1374395 101年.03月28日修正替换頁 六、發明說明： 【發明所屬之技術領域】 [0001] 本發明屬金融電子商務之保險領域，在於運用網路科技 技術創造一個互助式資金交易平台。保險方得利用平台 競標的機制，擴大保險利基，排除利差風險，賺取手續 費；並讓購屋者得以上場競標，以取得「一價到底」的 低利率購屋款項’使將來想購屋的儲蓄者也可以獲得優 於市場水準的利息。 【先前技術】 [0002]根據先進國家的經驗’個人理財資金有超過40%屬於高 資產理財市場，25%屬於退休儲蓄，25%投資在共同基 金，剩下不到一成的資金才是屬於壽險資產。這項資料 告訴我們’壽險業在這場金融商品的競赛中，有越來越 被邊緣化的趨勢；在台灣，儘管參與壽險的人口有增加 ’但寿險規模並沒有成長’而且—直在15%的資產規模 中徘徊。 [_紐業_境，來自於人民生活㈣的提高，傳統壽險 商品對生計的保障，已不能滿足客戶的需要；現在客 戶需要的是「重大風險」的保障以及「資產配置」型的 保險。對於「重大風險」的保障，客戶採⑽保障的保 險方式來規避風險，對於「資產配置」的客戶群，則尋 求或有資產投保概念以及投資型保單來規劃。 剛紐業，基本上就是經營長天_率和風时控的行業 。長天期利率的歸，使絲資金和房貸結下不解之緣 ;保險公司不聽資金挹注在抵押房屋貸款市場，就是 09615153#單編號A0101 第3頁/共26頁 1013118484-0 1374395 1101年03月28曰接正销$ 投資在不動產的配置上。可惜的是：長年以來，保險業 並;又有人企圖將人類生活重要的居住元素，納入保險商 品的範疇中。因此，如何使將來想買房子的存款者，現 在就要買房子的借款者，以及借力使力想利用現有的房 屋擴大儲蓄的投資者，集合在一個存借平台上，創造一 個既沒有利差風險，又可擴大經營規模、增加現金流量 的經營方法正是保險業所期待的。 [0005]為了這個問題，許多有識之士的保險家們都在尋求解決 之道。美國專利編號US 5, 926, 800之” System and method for providing a line of credit secured by an assignment of a life insurance ; policy” ，提出利用壽險提供信用額度保證的系統及方 法，這是一個提供借款給疾病末期及年老者之壽險系統 。然而，此專利是根據被保險者的健康情況及財務變數 來管理，因此其系統會借重資料庫、經驗、專家等來分 析被保險人之信用狀況。此外，此發明以壽險保單作為 信用額度之擔保，只能根據系統結果先行撥款給保戶救 急’資金並無其他運用空間；美國專利編號us 5,864,828之 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation” ’提出一建立客戶投資組合的個人金融管 理系統，以及根據客戶喜好來安排之信用工具，此個人 財務管理程式能夠同時考慮個人的財務目標、預算，以 0%單编號删1 第4頁/共26頁 1013118484-0 1374395 101年03月28日修正替換頁 及環境之變數、經濟、風險等，並自動建議投資人投資 組合及工具。該發明具有多種還款方式與期程，由各種 不同的資產擔保。然而，為了放款金融機構的安全性， 房屋持有者的總資產必定要高於某些標準，且資金用途 上只能用於投資，在大環境不佳時投資人極易面臨被清 償的命運；美國專利編號US 5, 025, 138之” Method and system for providing verifiable line of credit information” ，提出一金融機構利用申請人 之保單價值為擔保品，擔保申請人可透支借記卡之方法 與系統，此專利利用保單價值上漲的獨特性擔保保單持 有者的信用，然而可透支借記卡之信用額度使用範圍較 « 小，多半只用於消費，對於投資購屋等，並無太大幫助 〇 [0006] 上述諸多的解決方案，都祇是保單價值的片面利用，而 沒能為保險業界出謀劃策，提出一個向銀行界傾斜，發 揮擴大保險金流管道的功能；因此，如何運用保險操作 長天期資金的能力，將之引導到房貸市場上，使保險商 品既負有保障避險的功能，亦擴大資金的流量規模，實 是我們所期待的。 【發明内容】 [0007] 本發明創造一種購屋保險之方法，包含有：當一客戶進 入一平台後，該平台會依據該客戶之階段性需求，處理 該客戶存款及房屋融資貸款作業；以及當該客戶完成該 房屋融資貸款評估後，授與該客戶一過渡性貸款、一競 標額度，並導入一資金競標組合。 09615153严編請01 第5頁/共26頁 1013118484-0 1374395 101年.03月28日接正替換頁 [0008] 本發明建構一種購屋保險之系統，包含：一擔保品及保 單鑑價模組，用以處理一客戶所提出之一擔保品及保單 以供鑑價後，針對該擔保品及保單進行一鑑價作業，得 出一擔保品及保單總價值，該擔保品及保單鑑價模組會 根據該擔保品及保單總價值、該客戶的基本資料及當時 . 經濟狀況，計算得出能夠賦與該客戶之一貸款額度，同 時另有一競標額度，可供該客戶於該資金競標組合進行 競標；一還款保險處理模組，用以處理該客戶所購買之 一還款保險，進行相關申請、要保、審理、核保、核發 之各項功能；一抵押與質借設定模組，用以處理經過該 擔保品及保單鑑價作業後之擔保品及保單之價值抵押與 〇 質借設定；一過渡性貸款作業模組，用以處理該客戶所 需之一過渡性貸款之賦與，該過渡性貸款，係指經由該 平台完成該擔保品及保單鑑價作業後所計算得出之結果 ，以賦與該客戶可用之暫時融通資金，以完成該房屋融 資貸款作業之用；一資金競標組合交易模組，用以處理 一客戶參與一資金競標組合之競標交易作業；一資金管 理作業模組，用以處理該客戶參與該資金競標組合交易 得標後所產生之一總得標金導入一平台資金管理，並即 時計算該平台資金管理損益；以及一理賠及結算交割模 組，用以處理該客戶所購買之該還款保險所規定理賠項 目發生時之理賠請求，並進行一理賠金認定、給付，及 所有該平台運作中所產生之金流收付作業之處理。 [0009] 根據本發明目的，提出一種購屋保險之方法，包含有： 當一客戶進入一平台後，該平台會依據該客戶之階段性 _51^單職删1 第6頁/共26頁 1013118484-0 1374395 ΙΟί年.03月28日梭正替换頁 需求，處理該客戶存款及房屋融資貸款作業；以及當該 客戶完成該房屋融資貸款評估後，授與該客戶一過渡性 贷款、一競標額度，並導入一資金競標組合。 [0010] 更佳地，該客戶可以是已有房屋的借款客戶、房貸需求 客戶及計劃將來購屋的存款客戶，三種不同屬性的客戶 族群。 [0011] 更佳地，該平台之經營者可以是保險公司或各類與保險 相關之金融機構或與上述兩者合作之法人。 [0012] 更佳地，若該客戶目前無房貸或資金上的需求，則可直 接導入該資金競標組合進行存款。 [0013] 更佳地，該房屋融資貸款作業另包含：針對有房貸需求 或資金需求之客戶所提出之一擔保品及保單進行一擔保 品及保單鑑價作業；處理一還款保險購買作業；將該擔 保品及保單設定抵押與質借；以及如為需要過渡性貸款 之客戶，該平台會賦與該房貸需求客戶過渡性貸款。 [0014] 更佳地，其中經由該擔保品及保單鑑價作業後會得出一 擔保品及保單總價值，該平台會根據該擔保品及保單總 價值、該客戶的基本資料及當時經濟狀況，計算得出能 夠賦與該客戶之一貸款額度，同時另有一競標額度，可 供該客戶於該資金競標組合進行競標。 [0015] 更佳地，其中該平台所計算得出能夠賦與該客戶之貸款 額度，經該客戶確認足夠後，該平台即要求該客戶購買 一還款保險並將該擔保品及保單設定抵押與質借。 09615153^^^ A0101 第7頁/共26頁 1013118484-0 1374395 1101年03月ζΓ日慘正替 [0016] 更佳地，其中若該客戶確認該貸款額度不足時，該平台 會詢問是否增提擔保品’若是’則再次進行該擔保品及 保單鑑價作業，若否，則要求客戶退出該平台。 [0017] 更佳地，其中該還款保險用以在該客戶於往後，因保險 約定事項齡’絲還付該過魏魏或從該胃 金競標組合中得標所取得之款項未能按期還款付而代償 之用。 [_更佳地，其中需要過渡性貸款之客戶，該平台會賦與過 渡性貸款，接著將該客戶導入該資金競標組合。 [0019] 更佳地，其中不需要過渡性貸款之客戶，該平台會直接 將該客戶導入該資金競標組合。 [0020] 更佳地，其中導入該資金競標組合之客戶，若參與競標 得標，則該平台可依該客戶需求將一總得標金導入一平 台資金管理或撥付與該客戶或用以償付過渡性贷款。 _更佳地’若該客戶參與競標未得標則進行存款，賺取利 息。 [〇〇22]根據本發明目的，提出一種購屋保險之系統，包含： 擔保品及保單鑑價模組，用以處理一客戶所提出之一擔 保品及保單以供鏹價後，針對該擔保品及保單進行一幾 價作業’得出-擔保品及保單總價值，該擔保品及保^ 鑑價模組會根據該擔保品及保單總價值、該客戶的基本 資料及當時經濟狀況，計算得出能_與該客戶之一贷 款額度，同時另有-競標額度，可供該客戶於該資金競 標組合進行競標；一還款保險處理模組，用以處理該客 1013118484-0 _515^單编號細1 第8頁/共26頁 1374395 101年.03月28日修正替換百 戶所購買之一還款保險，進行相關申請、要保、審理、 核保、核發之各項功能；一抵押與質借設定模組，用以 處理經過該擔保品及保單鑑價作業後之擔保品及保單之 價值抵押與質借設定；一過渡性貸款作業模組，用以處 理該客戶所需之一過渡性貸款之賦與，該過渡性貸款， 係指經由該平台完成該擔保品及保單鑑價作業後所計算 得出之結果，以賦與該客戶可用之暫時融通資金，以完 成該房屋融資貸款作業之用；一資金競標組合交易模組 ，用以處理一客戶參與一資金競標組合之競標交易作業 :一資金管理作業模組，用以處理該客戶參與該資金競 標組合交易得標後所產生之一總得標金導入一平台資金 管理，並即時計算該平台資金管理損益；以及一理賠及 結算交割模組，用以處理該客戶所購買之該還款保險所 規定理賠項目發生時之理賠請求，並進行一理賠金認定 、給付，及所有該平台運作中所產生之金流收付作業之 處理。 [0023] 更佳地，其中理賠及結算交割模組進一步包含：處理該 過渡性貸款之撥付、還款；該還款保險之購買核發、繳 付保費；該資金競標組合交易所產生之存款繳納、總得 標金導入該平台資金管理或撥付與該保戶、總得標金之 按期還款；以及該資金管理作業之資金收付及結算。 [0024] 更佳地，所述之系統另包含：一伺服器，用來協調該擔 保品及保單鑑價模組、該還款保險處理模組、該抵押與 質借設定模組、該過渡性貸款作業模組、該資金競標組 合交易模組、該資金管理作業模組、該理賠及結算交割 09615153^^^^ A0101 第9頁/共26頁 1013118484-0 1374395 101年.03月28日按正替換頁 模組之間的資訊、數據與金額交流；一客戶使用介面， 用來傳遞該客戶與該伺服器之間所有的資訊；一資料庫 ，用來根據該伺服器所進行之資訊與金額交流儲存相關 之資訊。 【實施方式】 [0025] 本發明係由保險公司或相關之金融機構，將保險保障、 保單價值、房屋價值結合資金競標機制以進行儲蓄購屋 為標的，建置以保險「或有資產」和保單價值為支撐的 購屋保險平台；在此架構下，保戶及非保戶，已有房屋 的借款者（即以自有、已繳清房贷之房屋進行抵押融資 者）、房貸需求者、計劃將來購屋的存款者（即暫無資 金需求者），皆可參與。計劃將來購屋之保戶及非保戶 可直接進入資金競標機制存款。房貸需求者以房屋做為 擔保品、以保單增強擔保品價值，用以取得過渡性貸款 供其償還原房貸或繳清購屋款項，以及取得競標額度用 以參與競標，並購買還款保險作為其或有資產以增強還 款能力（未來若因人身意外而無法還款，則該保險之理 賠金將用以繳付還款，以確保該客戶擁有房屋之所有權 )並保障保險公司或相關金融機構之債權；若得標，則 總得標金用於償還過渡性貸款；若未得標，則進行存款 。已有房屋的借款者亦以房屋做為擔保品、以保單增強 擔保品價值，取得競標額度參與競標；若得標則可選擇 直接領取總得標金或將總得標金導入資金管理；若未得 標則進行存款。 [0026] 以下將本發明之實施方式配合圖式詳細描述： 0961515#單编號 A0101 第10頁/共26頁 1013118484-0 ^^/4^95 [00 h年03月28日梭正替換頁 圖一係-本發明之互助式或有資產購屋保險平台之方法 流裎圖。客戶（201)經由客戶使用介面（2〇3)進入平 台（m)，平台詢問客戶是否有房貸或資金需求（ι〇2 1，若否，則直接進人資金競標_存款；若是，則進 仃擔保品及保單鑑價（103)。在擔保品及保單鑑價過程 ，客戶提出其房屋融資貸款之標的不動產，由平台進行 價值汗鑑，平台經審核，得出—擔保品及保單總價值， 平。根據該擔保品及保單總價值、客戶的基本資料及當 時經濟狀況，計算得出能夠賦與客戶之一貸款額度，同 時另有-競標額度’可供客戶於資金競標組合進行競標 一者可相等。賦與客戶一貸款額度之後，系統詢問貸 了人額度疋否足夠（104)。若客戶確認貸款額度不足使用 ，則平台詢問是否增提擔保品（1〇5)，若是，則再次進 行擔保品及保單鑑價（1〇3);若否，則客戶退出平台（ 或以單純存款者身份參與該資金競標機制自然累積 競標額度以參與競標。若客戶確認貨款額度足夠使用， 則客戶進入還款保險作業（1〇6)購買還款保險，該還款 保險提供壽險、意外險、失能險等保障，若客戶將來因 人身事故未能按期償還過渡性贷款或未能按期償還其自 資金競標組合中得標所取得之款項，還款保險將負責償 還款項。將擔保品設定抵押及保單設定質借（107)。完 成抵押及質借設定後，平台詢問客戶是否需過渡性貸款 (109)，若否，則平台直接將客戶導入資金競標組合（ 11〇);若是，則平台賦與客戶過渡性資款（ill)，供 其償還原房貸或繳清購屋款項後，平台將客戶導入資金 競標組合（1 1 〇 ). 09615153产單編號 A0101 。客戶進入資金競標組合後，俟組合人 第11頁/共26頁 1013118484-0 1374395 101年.03月28日修正替換頁 數額滿後開始競標，若得標者為已有房屋的借款者，則 平台依其意願將總得標金導入資金管理或撥付客戶；若 得標者為房貸需求者，則平台將總得標金償還該客戶之 過渡性貸款；未得標者則進行存款，賺取利息。 [0028] 圖二係一本發明之互助式或有資產購屋保險平台建置系 統圖。該系統（ 202 )有一伺服器（ 204 )，藉由網路、 有線及無線通訊方式，供客戶（201)以電腦、手機、 PDA等裝置，透過客戶使用介面（ 203 )與伺服器（204 )進行連結，同時伺服器（ 204 )亦與其連結；該伺服器 (204 )藉通訊網路、有線通訊裝置、無線通訊裝置與客 戶（201)做一即時安全之訊息交換；伺服器（ 204 )並 與資料庫（212)及各模組連結，各模組將資料、訊息及 結果分別存入資料庫（212)。該互助式或有資產購屋保 險平台建置系統（202)進一步包含以下模組： [0029] 一擔保品及保單鑑價模組（ 205 ):本模組自資料庫（ 212)擷取具房貸或資金需求之客戶名單，針對該類客戶 進行擔保品及保單鑑價，得出一擔保品及保單總價值， 該擔保品及保單鑑價模組根據擔保品及保單總價值、客 戶的基本資料及當時經濟狀況，計算得出能夠賦與該客 戶之貸款額度，同時另有一競標額度，可供客戶於資金 競標組合進行競標，若客戶認為貸款額度不足使用，則 本模組詢問客戶（201 )是否增提擔保品，若客戶同意， 則本模組對客戶所增提之擔保品進行鑑價後，重新賦與 過渡性貸款額度；若客戶不願意增提擔保品，則客戶退 出平台或以單純存款者身份參與該資金競標機制自然累 09615153^·單编號 A〇101 第12頁/共26頁 1013118484-0 1374395 積競標額度以參與競標。本模組針對擔保品進 管理並決定過渡性貸款額度，將前述結果傳送至該客戶 (201)並將資料存入資料庫（212); [0030] 一還款保險作業模組（ 206 ):本模組自資料庫（212) 操取已接受貸款額度之客戶名單，要求該類客戶睛W 款保險，進行相關中請、要保、審理、核保、核發之各 項功能及相關手續，通知客戶（2〇1)缴交保費定期將 保單資料傳送至飼服器（ 204 )及存入資料庫（212)\， 並透過客戶使用介面（2〇3)公布之； [0031] -抵押及質借設定模組（2Q7):本模組自資料庫（212 )擷取已完成還款保險購買之客戶名單，處理該類客戶 之擔保品的抵押設定及保單的質借設定 送至客戶_，並將資料存入資料庫(212):傳 [0032] -過渡性貸款作業模組（2()8):本模組自魏庫（Μ )擷取需要賴㈣絲戶之料，以及娜擔保品及 保單鐘價模㈣對該類客戶所核定之錢額度，負責處 理賦與客戶過渡性貸款之相關手續，計算過渡性贷款之 利息’將利息金額等過渡性貸款相關訊息傳送至客戶（ 201)，並將資料存入資料庫（212); [0033] -資金競標組合交易模組（2〇9):本模組提供一互助式 資金競標機制由客戶（2〇1)進行出價競標，本模組以各 資金競杨合為單位，根據同—組合⑽有參與競標之 客戶的競標標金’經由飼服器（ 204 )運算、處理、分析 執订後’自其中選取一個參與競標客戶為得標者，將 09615153^單編號 A0101 第13頁/共26頁 1013118484-0 1374395 101年03月28日核正替換頁 開標結果傳送至伺服器（ 204 )透過客戶使用介面（203 )公布之，通知未得標及未參與競標之客戶將存款存入 理賠及結算交割模組（211)内之一平台交割帳戶之個人 子帳戶，該平台交割帳戶.之個人子帳戶除了作為存款之 用外，尚可作為得標後之未來各期繳付還款之帳戶，詢 問得標之已有房屋的借款者是否將總得標金導入平台資 金管理，並接收該客戶（201)之回覆，將未得標客戶、 得標客戶、未參與競標客戶之相關資訊傳送至理賠及結 算交割模組（211)，並將前述結果存入資料庫（212) [0034] 以下詳述本模組之互助式資金競標機制運作方式；首先 ，由模組訂定每期會金、繳費間隔及繳費期數；把每期 會金乘以繳費期數就等於客戶向本機制競標的標的資金 ，客戶可以在網站投遞出願意按該期數支付攤還的利息 ，此利息即客戶競標之標金，該資金競標組合交易模組 即計算、分析、比對同一組合内之標金，並從各競標組 合中各選取一個參與競標之客戶為得標者；若得標，客 戶即可獲得總得標金；總得標金的計算，從利息給付的 先後，有以下兩種計算式： 利息先支付：1374395 101. March 28th revised replacement page VI. Description of the invention: [Technical field of invention] [0001] The present invention belongs to the field of financial e-commerce insurance, and uses network technology to create a mutual aid fund transaction platform. Insurers can use the platform bidding mechanism to expand the insurance niche, eliminate the spread risk, and earn the handling fee; and allow homebuyers to bid on the market to obtain the "one price to the bottom" low interest rate purchases. Savers can also earn interest above market levels. [Prior Art] [0002] According to the experience of advanced countries, more than 40% of personal wealth management funds belong to the high-asset wealth management market, 25% belong to retirement savings, 25% invest in mutual funds, and less than 10% of the funds belong to Life insurance assets. This information tells us that 'the life insurance industry is increasingly marginalized in this financial commodity competition; in Taiwan, although the population involved in life insurance has increased', the life insurance scale has not grown' and In the 15% of the asset scale. [_New Business_, from the improvement of people's lives (4), the protection of livelihoods of traditional life insurance products can no longer meet the needs of customers; now customers need "major risk" protection and "asset allocation" type insurance. For the protection of “significant risk”, the customer adopts (10) the insurance mode to avoid risk, and for the “asset allocation” customer group, it seeks to have the concept of asset insurance and investment policy to plan. Gang New Industry is basically an industry that manages long-term and wind-time control. The return of the long-term interest rate makes the funds and mortgages inextricably linked; the insurance company does not listen to the funds in the mortgage loan market, which is 09615153# single number A0101 page 3 / total 26 pages 1013118484-0 1374395 1101 On March 28, the company is investing in the allocation of real estate. It is a pity that the insurance industry has been in existence for a long time; there are also attempts to incorporate the important elements of human life into the category of insurance products. Therefore, how to make depositors who want to buy a house in the future, borrowers who want to buy a house now, and investors who want to use their existing houses to expand their savings, gather on a deposit and loan platform to create a spread without a spread. The risk, and the way to expand the scale of operations and increase cash flow, is exactly what the insurance industry expects. [0005] In order to solve this problem, many insured insureds are seeking solutions. U.S. Patent No. 5,926,800, "System and method for providing a line of credit secured by an assignment of a life insurance; policy", proposes a system and method for providing credit guarantees for life insurance, which is a loan for Life insurance system for the end of the disease and the elderly. However, this patent is managed according to the health status and financial variables of the insured. Therefore, the system will use the database, experience, experts, etc. to analyze the credit status of the insured. In addition, the invention uses the life insurance policy as a guarantee for the credit line, and can only allocate funds to the policyholders in advance according to the system results. The funds have no other application space; the US patent number us 5,864,828 personal financial management system for creation of a client portfolio of investment And credit facilities where funds are distributed based on a preferred allocation" 'Propose a personal financial management system that builds a customer portfolio, and a credit instrument that is arranged according to customer preferences. This personal financial management program can simultaneously consider individual financial goals and budgets. , deleted by 0% single number 1 Page 4 / Total 26 pages 1013118484-0 1374395 On March 28, 101, the replacement page and environmental variables, economy, risk, etc. were amended, and the investor's investment portfolio and tools were automatically recommended. The invention has a variety of repayment methods and schedules, and is guaranteed by various assets. However, in order to secure the financial institutions, the total assets of the homeowners must be higher than certain standards, and the funds can only be used for purposes. Investing, investors are extremely easy to face when the environment is not good The destined fate; US Patent No. US 5, 025, 138, "Method and system for providing verifiable line of credit information", proposes that a financial institution uses the applicant's unit price as collateral to guarantee the applicant's overdraft debit card The method and system, this patent uses the uniqueness of the increase in the value of the policy to guarantee the credit of the policy holder. However, the credit limit of the overdraft debit card is less than «small, mostly used for consumption, and there is no investment in housing purchases, etc. Too much help [0006] Many of the above solutions are just one-sided use of the value of the policy, but failed to provide advice to the insurance industry, suggesting a role to the banking sector to expand the insurance flow pipeline; therefore, how to use insurance The ability to operate long-term funds will be guided to the mortgage market, so that insurance products have both the function of protecting against risks and expanding the flow of funds. This is what we expect. [Summary] [0007] Inventing a method of purchasing home insurance, including: when a customer enters a platform, the platform According to the customer's phased demand, the customer deposit and housing financing loan operation is handled; and when the customer completes the housing financing loan evaluation, the customer is granted a transitional loan, a bidding quota, and a capital bidding combination is introduced. 09615153严编请01 Page 5 of 26 Page 1013118484-0 1374395 101. March 28th Replacement Page [0008] The present invention constructs a home insurance system comprising: a collateral and a policy evaluation module After processing one of the collateral and policy proposed by the customer for the price, the collateral and the policy are valued, and the total value of the collateral and the policy is obtained. The collateral and the policy valuation model Based on the total value of the collateral and the policy, the basic information of the customer and the current economic situation, the group will calculate the loan amount that can be assigned to the customer, and another bid amount for the customer to bid on the fund. Bidding; a repayment insurance processing module to handle one of the repayment insurances purchased by the customer, and to make relevant applications, guarantees, trials, underwriting, and issuance a mortgage and quality loan setting module for processing the value collateral and pledge setting of collateral and policy after the collateral and policy valuation work; a transitional loan operation module for processing The transfer loan, which is the result of the transition loan, is the result of the completion of the collateral and policy evaluation through the platform to provide the temporary financing available to the customer. To complete the housing financing loan operation; a fund bidding combination transaction module for processing a customer's participation in a bidding transaction of a fund bidding combination; a fund management operation module for processing the customer to participate in the fund bidding combination After the transaction is awarded, one of the total funds is imported into a platform fund management, and the platform management and profit and loss of the platform is calculated immediately; and a claim settlement and settlement delivery module is used to process the claims provided by the customer for the repayment insurance. Claims at the time of the project, and a claim payment, payment, and all the cash flow operations generated in the operation of the platform Processing. [0009] According to the purpose of the present invention, a method for purchasing a home insurance is proposed, which includes: when a customer enters a platform, the platform will be deleted according to the stage of the customer _51^ single job 1 page 6 / 26 pages 1013118484 -0 1374395 ΙΟί年. On March 28th, Shuttle is replacing the page demand, handling the customer deposit and housing financing loan operations; and when the customer completes the housing financing loan evaluation, grants the client a transitional loan, a bidding quota And import a fund bidding combination. [0010] More preferably, the customer may be a borrower of an existing house, a mortgage demand customer, and a deposit customer who plans to purchase a house in the future, and a customer group of three different attributes. [0011] More preferably, the operator of the platform may be an insurance company or a variety of financial institutions related to insurance or a legal person who cooperates with the above. [0012] More preferably, if the customer currently has no mortgage or financial needs, the funds bidding combination can be directly imported for deposit. [0013] More preferably, the home financing loan operation further comprises: performing a collateral and policy valuation operation for one of the collateral and the policy proposed by the customer having the mortgage loan demand or the capital demand; and processing a repayment insurance purchase operation; The collateral and policy are mortgaged and loaned; and for customers who need a transitional loan, the platform will provide the transition loan for the mortgage demand customer. [0014] More preferably, the total value of the collateral and the policy will be obtained after the collateral and the policy is valued, and the platform will be based on the total value of the collateral and the policy, the basic information of the customer and the current economic situation. Calculated to be able to assign a loan amount to one of the customers, and at the same time another bid amount is available for the customer to bid on the fund bidding combination. [0015] More preferably, wherein the platform calculates a loan amount that can be assigned to the customer, after the customer confirms that the platform is sufficient, the platform asks the customer to purchase a repayment insurance and mortgage the collateral and the policy. Borrowing with quality. 09615153^^^ A0101 Page 7 of 26 1013118484-0 1374395 In March 1101, the day of March 2010 was better than [0016] better, if the customer confirmed that the loan amount was insufficient, the platform would ask if it would be added. If the collateral is 'if', the collateral and policy are valued again. If not, the customer is required to withdraw from the platform. [0017] More preferably, the repayment insurance is used for the payment of the amount obtained by the client in the future, due to the age of the insurance agreement, or the payment of the bid from the stomach bidding combination. Repayment is for compensation. [_More preferably, a customer who needs a transitional loan, the platform will be given a transitional loan, and then the customer will be introduced into the fund bidding portfolio. [0019] More preferably, the customer who does not need a transitional loan will directly import the customer into the fund bidding combination. [0020] More preferably, if the customer who introduces the fund bidding combination participates in the bidding, the platform may import a total winning fund into a platform fund management or disbursement with the customer or to pay the transition according to the customer demand. Sexual loans. _Better. If the customer does not win the bid, make a deposit and earn interest. [22] According to the purpose of the present invention, a system for purchasing a home insurance system is provided, comprising: a collateral and a policy evaluation module for processing a collateral and a policy proposed by a customer for sale, for the guarantee The product and the policy are carried out for a price operation to obtain the total value of the collateral and the policy. The collateral and the insurance price module will be calculated based on the total value of the collateral and the policy, the basic information of the customer and the current economic situation. Deriving a loan amount with one of the customers, and at the same time another bidding amount, the customer can bid for the fund bidding combination; a repayment insurance processing module for processing the customer 1013118484-0 _515^ No. 1 Page 8 / 26 pages 1374395 101 years. On March 28, the company revised the repayment insurance for one hundred households, and carried out various functions related to the application, insurance, trial, underwriting and issuance; The Mortgage and Quality Borrowing Module is used to process the value collateral and quality of the collateral and policy after the collateral and policy valuation work; a transitional loan operation module to handle the customer's needs Transitional loan And the transitional loan refers to the result calculated after the completion of the collateral and policy valuation through the platform, to provide the temporary financing funds available to the customer to complete the housing financing loan operation. a fund bidding combination transaction module for processing a customer's participation in a bidding transaction of a fund bidding combination: a fund management operation module for processing one of the customers after participating in the bidding for the fund bidding combination The total amount of gold is introduced into a platform fund management, and the platform management profit and loss of the platform is calculated in real time; and a claim settlement and settlement delivery module is used to process the claim for claim settlement when the customer purchases the claim insurance item, and Conduct a claim payment, payment, and processing of all cash flow receipts and payments generated during the operation of the platform. [0023] More preferably, the claim settlement and settlement delivery module further comprises: processing the payment and repayment of the transitional loan; purchasing and issuing the premium of the repayment insurance; and depositing the deposit generated by the fund bidding combination transaction The total amount of gold will be introduced into the platform to manage the funds or to repay the deposits with the policyholders and the total amount of the funds; and the fund collection and settlement of the fund management operations. [0024] More preferably, the system further includes: a server for coordinating the collateral and the policy pricing module, the repayment insurance processing module, the mortgage and quality setting module, and the transition Sex loan operation module, the fund bidding combination transaction module, the fund management operation module, the claim settlement and settlement delivery 09615153^^^^ A0101 Page 9/Total 26 Page 1013118484-0 1374395 101. March 28 According to the information, data and amount exchange between the replacement page modules; a customer interface for transmitting all information between the client and the server; a database for information based on the server Information related to the exchange of amounts. [Embodiment] [0025] The present invention is an insurance company or a related financial institution that combines insurance insurance, policy value, and house value with a capital bidding mechanism to make a purchase of a house, and builds an insurance "concurrent asset" and a policy. Value-supported home insurance platform; under this structure, policyholders and non-guarantees, borrowers who have existing homes (ie, those who own mortgages with their own mortgages), mortgage demanders, plan for the future Depositors of home purchases (ie those who do not have any financial needs) can participate. Policyholders and non-guarantees who plan to purchase homes in the future can directly enter the capital bidding mechanism to deposit. The mortgage demander uses the house as a collateral, and the policy enhances the value of the collateral to obtain a transitional loan for repaying the mortgage or paying the purchase price, and obtaining the bid amount to participate in the bidding, and purchasing the repayment insurance as its Contingent assets to enhance repayment ability (if the future is unable to repay due to personal accident, the insurance claims will be used to pay the repayment to ensure that the customer owns the ownership of the house) and protect the insurance company or relevant financial institution If the bid is obtained, the total amount of the standard will be used to repay the transitional loan; if the bid is not obtained, the deposit will be made. The borrowers of the existing houses also use the house as a collateral, enhance the value of the collateral with the policy, and obtain the bidding amount to participate in the bidding; if the bid is obtained, they can choose to directly receive the total winning bid or import the total bid into the fund management; The standard deposits. The embodiments of the present invention will be described in detail below with reference to the drawings: 0961515#单号A0101 Page 10/26 pages 1013118484-0 ^^/4^95 [00 h year March 28th shuttle replacement page Figure 1 is a flow chart of the method of the mutual aid or asset-purchasing insurance platform of the present invention. The customer (201) enters the platform (m) through the customer interface (2〇3), and the platform asks the customer whether there is a mortgage or capital requirement (ι〇2 1, if not, directly enters the capital bidding _ deposit; if yes, then鉴 collateral and policy valuation (103). In the process of collateral and policy valuation, the client proposes the real estate of the housing finance loan, and the value of the platform is verified by the platform. The platform is audited to obtain the total value of the collateral and the policy. According to the total value of the collateral and the policy, the customer's basic information and the current economic situation, it is calculated that one of the loan amounts can be assigned to the customer, and the other-bidding quota is available for the customer to bid for the fund bidding combination. After the loan amount is granted to the customer, the system asks whether the loan amount is sufficient (104). If the customer confirms that the loan amount is insufficient, the platform asks whether to increase the collateral (1〇5), and if so, Re-confirm collateral and policy (1〇3); if not, the customer withdraws from the platform (or participates in the fund bidding mechanism as a pure depositor, naturally accumulating bidding amount to participate If the customer confirms that the payment amount is sufficient, the customer enters the repayment insurance operation (1〇6) to purchase the repayment insurance, which provides life insurance, accident insurance, disability insurance, etc., if the customer fails in the future due to personal accidents. Repayment of the transitional loan on time or failure to repay the amount obtained from the winning bidding in the fund bidding combination, the repayment insurance will be responsible for repaying the loan. The collateral will be mortgaged and the policy will be set up (107). After setting, the platform asks the customer whether they need a transitional loan (109). If not, the platform directly introduces the customer into the capital bidding combination (11〇); if so, the platform assigns the customer transitional fund (ill) for repayment After the original mortgage or payment of the purchase price, the platform will introduce the customer's capital bidding combination (1 1 〇). 09615153 production order number A0101. After the customer enters the capital bidding combination, the 俟 combiner 11th/26 pages 1013118484-0 1374395 101 On March 28th, when the revised replacement page is full, the bid will start. If the winner is the borrower of the existing house, the platform will import the total amount of funds into the fund management according to his wishes. If the bidder is a mortgage demander, the platform will have to pay the standard to repay the transitional loan of the customer; if the bidder fails, the deposit will be made to earn interest. [0028] Figure 2 is a mutual aid of the invention. Or the asset purchase insurance platform to build a system map. The system (202) has a server (204) for providing customers (201) with computers, mobile phones, PDAs, etc. through the network, wired and wireless communication means. The interface (203) is connected to the server (204), and the server (204) is also connected thereto; the server (204) uses the communication network, the wired communication device, the wireless communication device and the client (201) to make an instant security. The message exchange; the server (204) is coupled to the database (212) and the modules, and each module stores the data, the message and the result in the database (212). The mutual aid or asset-purchasing insurance platform construction system (202) further comprises the following modules: [0029] a collateral and a policy evaluation module (205): the module retrieves a mortgage from the database (212) Or a list of customers who need funds, for the collateral and policy evaluation of such customers, to obtain a collateral and the total value of the policy, the collateral and policy evaluation module based on the collateral and the total value of the policy, the customer's basic information And the economic situation at that time, calculated the loan amount that can be given to the customer, and another bid amount, which can be used for bidding by the customer in the bidding combination. If the customer thinks that the loan amount is insufficient, the module asks the customer (201) Whether the collateral is added or not, if the customer agrees, the module re-grants the transition loan amount after the customer has added the collateral to be priced; if the customer is not willing to add collateral, the customer withdraws from the platform or The simple depositor status participates in the fund bidding mechanism naturally tired 09615153^·single number A〇101 page 12/total 26 pages 1013118484-0 1374395 The bidding quota is used to participate in the bidding. The module manages the collateral and determines the transition loan amount, transmits the foregoing result to the customer (201) and stores the data in the database (212); [0030] a repayment insurance operation module (206): This module manages the list of customers who have accepted the loan quota from the database (212), and requires these customers to pay for the insurance, and carry out the relevant functions of the relevant, required, insured, trial, underwriting, and issuance. Notify the customer (2〇1) to pay the premiums. The policy information is transmitted to the feeding machine (204) and deposited in the database (212)\ and published through the customer interface (2〇3); [0031] - Mortgage And quality loan setting module (2Q7): This module retrieves the list of customers who have completed the repayment insurance purchase from the database (212), handles the mortgage setting of the collateral of such customers and the quality loan setting of the policy to the customer. _, and the data is stored in the database (212): pass [0032] - transitional loan operation module (2 () 8): This module from Wei Ku (Μ) draws the need to rely on (4) silk household materials, And Na collateral and policy price model (4) the amount of money approved by the customer, responsible for handling the customer Procedures for transitional loans, calculating interest on transitional loans', transmitting information on transitional loans such as interest amounts to customers (201), and storing the data in the database (212); [0033] - Capital bidding portfolio trading model Group (2〇9): This module provides a mutual assistance fund bidding mechanism for bidding by customers (2〇1). This module is based on each fund competition, and according to the same-combination (10) customers who participate in the bidding The bidding standard 'after the operation, processing and analysis of the feeding device ( 204 ), after selecting one of the bidding customers to win the bidder, will be 09,615,153, single number A0101, page 13 / total 26 pages 1013118484-0 1374395 On March 28, 101, the results of the verification of the replacement page were transmitted to the server (204) through the customer interface (203), and the customers who did not win the bid and did not participate in the bid were deposited in the claim settlement and settlement delivery module ( 211) The personal sub-account of the platform delivery account of the 211), the personal sub-account of the platform delivery account. In addition to being used as a deposit, it can still be used as an account for future repayments after the bidding. Whether the borrower of the existing house will import the total amount of funds into the platform fund management, and receive the reply from the customer (201), and transmit the relevant information of the unlicensed customer, the winning customer, and the non-bidding customer to the settlement and settlement delivery model. Group (211), and the foregoing results are stored in the database (212) [0034] The following describes the operation mode of the mutual aid fund bidding mechanism of the module; first, the module sets the monthly payment, the payment interval and the payment. The number of periods; multiplying each period of the contribution by the number of contributions is equal to the target funds that the customer bids to the mechanism. The customer can post the interest on the website that is willing to pay the amortization according to the period. This interest is the bid of the customer. The fund bidding combination trading module calculates, analyzes and compares the bids in the same combination, and selects one customer who participates in the bidding from each bidding combination as the winning bidder; if the bid is obtained, the customer can obtain the total winning bid. The calculation of the total amount of gold, from the order of interest payment, has the following two calculation formulas:
An = (U- I?i) χ ((Λ^- n)) + (Ux(n-1)) 利息後支付： n-l 09615153^^^^*An = (U- I?i) χ ((Λ^- n)) + (Ux(n-1)) After interest payment: n-l 09615153^^^^*
XfZ = (f/ X (TV -，2)) + (f/ X Ο -1)) + A0101 第14頁/共26頁 ΣΛ /=11013118484-0 1374395 101年03月28日修正替换頁 [0035]其中XfZ = (f/ X (TV -,2)) + (f/ X Ο -1)) + A0101 Page 14 of 26 ΣΛ /=11013118484-0 1374395 Correction replacement page for March 28, 2011 [0035 ]among them
An ： U N η In 表示第n期得標者可取得的總得標金 表示會金 表示總期數 表示資金競標之期數 表示第η期之標金。 [0036] [0037] [0038] 曰:則客户可依得標者出示的標金來賺取利息；. 二資金管理作業模組（21()):本模組接收理賠及結算交 將2 (2U)所傳送之已有房屋的借款者之總得標金， 二^投資資產並進行資金管理，此模㈣責即時計 貝、S理損益’定期將資產淨值傳送至词服器（ 204 ) =存入資料庫（212)，並透過客戶使用介面（ 布之； 2賠及結算交賴組（211):本模組接收過渡性贷款 ”模組（ 208 )、還款保險作業模組（2〇6)、資金競 標組合交易模組（209 )、資金管理作業模組⑺〇)所 傳达之訊息’進行理賠巾請、理賠認定及理賠金額計算 ’處理所有有關該互助式或有資產購屋保險平台之現金 二:收取保費、過渡性房貸利息、未參與競標之純 ，存私者所較之存款、參與競標而未得標者之各期存 紙、處理過渡性貸款之撥付、將房貸需求者之總得桿金 償還過渡性房貸、將己有房㈣借款者之總得標金導入 資金管理或將該總得標金直接撥付與該類客戶、收取得 第15頁/共26頁 09615153#^ 單編號 A0101 1013118484-0 1374395 標後之未來各期還款、返還資 等結算交割處理之步驟，並將 101年03月28日 金管理餘額、給付理賠金 則述结果存入資料庫（212 修正 [0039] 以下列舉具體實施例說明之： [0040] 實施例一 [0041] 陳君是&保險公司之保戶，他將自有、已繳清房貸之房子 向A保險公司辦理抵押融ΐ ’目的在獲得競標額度，參與 該保險公司所運作之k金競標機制，以活化房產所積壓 之資金，獲取投資收益。 [0042] A保險公司除了對其房產進行鑑價，也將陳君的保單納入 鑑價範圍。A保險公司評估陳君的房產市價約1，5 〇 〇萬， 為求穩健，A保險公司認為陳君可從房產獲得競標額度 900萬，再加上其原有保單現金價值635萬所衍生之競標 額度500萬，以及此次陳君自願加購之壽險保額6〇〇萬元 所衍生之競標額度萬’陳君得到總競標額度1，5〇〇萬 元，但陳君認為該競標額度超過所需，因此只動用72〇萬 之競標額度。之後，陳君依A保險公司之要求購買還款 保險，並將房屋交由A保險公司設定抵押。 [0043] 陳君以720萬元之競標額度參與互助式資金競標機制，進 入每月一期、每期單位款項· $60, 0 00元、為期十年之資 金競標組合，第1個月時，陳君並未得標，而當期得標者 之標金為$5,000元，因此繳交存款$55,000元（ $60,000 -$5,000 =$55,000 )，自第 2 個月至第47 個月結束，陳君皆未得標，因此，依各期當時得標者之 09615153^單编號 Α0101 第16頁/共26頁 1013118484-0 1374395 101年.03月28日接正替換頁 標金進行存款，在第48個月時，陳君以$4, 700元之標 金得標，共取得 $6, 801, 600 元（（$60, 000 -$4, 700 )x(120期一48期）+$60,000 x(48期一1期）=An : U N η In indicates the total awarded gold that can be obtained by the winner of the nth period. Representation of the gold. Indicates the total number of periods. The number of periods in which the funds are bidding indicates the amount of the nth period. [0038] [0038] 曰: The customer can earn interest according to the bid presented by the bidder; 2. The fund management operation module (21()): This module receives the claim settlement and settlement payment 2 (2U) The total amount of the borrower of the existing house to be transferred, the investment property and the fund management, and the model (4) is responsible for the real-time calculation of the net asset value to the word server (204). = Deposited in the database (212), and through the customer interface (clothing; 2 compensation and settlement of the reconciliation group (211): this module receives the transitional loan" module (208), repayment insurance operation module ( 2〇6), the message bidding combination trading module (209), the fund management operation module (7)〇) conveyed the message 'to make claims, claim settlement and claim amount calculation' to handle all related mutual contingent assets Cash 2 of the home insurance platform: the premium collected, the interest of the transitional mortgage, the pureness of the non-participating bid, the deposit of the depositor, the deposit of the papers for the bidding without the bidder, and the disbursement of the transitional loan The total loan of the mortgage demander will repay the transitional mortgage and will have the house (4) The borrower's total bidding fund is introduced into the fund management or the total winning bid is directly paid to the customer, and the future repayment of the 15th/26 pages 09615153#^ single number A0101 1013118484-0 1374395 is obtained. , returning capital and other steps of settlement and settlement processing, and depositing the results of the gold management balance and payment of claims on March 28, 2011 into the database (212 amendments [0039] The following is a description of specific embodiments: [0040] Example 1 [0041] Chen Jun is the insured of the insurance company. He will apply for mortgage financing to the A insurance company for his own house that has already paid the mortgage. The purpose is to obtain the bid amount and participate in the operation of the insurance company. The gold bidding mechanism, in order to activate the backlog of real estate, to obtain investment income. [0042] In addition to the price of the property, A insurance company also included Chen Jun’s insurance policy in the scope of the evaluation. A insurance company evaluates Chen Jun’s real estate market price. About 1,5 million, in order to be stable, A insurance company believes that Chen Jun can obtain a bid of 9 million from the real estate, plus the original policy cash value of 6.35 million derived bid amount of 5 million, and this Chen Jun’s voluntary purchase of life insurance premiums of RMB 60,000 was derived from the bid amount of 10,000 yuan. Chen Jun received a total bid of RMB 15,000, but Chen Jun believed that the bid amount exceeded the required amount, so only used After that, Chen Jun purchased the repayment insurance at the request of the A insurance company, and gave the house to the A insurance company to set the mortgage. [0043] Chen Jun participated in the mutual aid fund bid with a bid of 7.2 million yuan. Mechanism, enter monthly, each period of unit payment · $60,00, a 10-year fund bidding combination, the first month, Chen Jun did not win the bid, and the current bidder's standard is $5,000, so the deposit of $55,000 ($60,000 - $5,000 = $55,000) was paid. From the 2nd month to the 47th month, Chen Jun did not win the bid. Therefore, according to the winner of the period, the winner of the period is 09615153^. No. 0101 Page 16 of 26 1013118484-0 1374395 101. On March 28th, the replacement page was replaced by a deposit. In the 48th month, Chen Jun won the bid with a price of $4,700. Earned $6, 801,600 (($60, 000 - $4, 700) x (120 issues, 48 issues) + $60,000 x (48 issues 1 Period)=
$6,801，600 )，陳君決定將該總得標金交由A保險公司 進行資金管理。 A$6,801,600), Chen Jun decided to hand over the total winnings to A Insurance Company for fund management. A
[0044] 自第49個月起，陳君每個月繳交$60, 000元之還款給與 A保險公司，至第120個月結束時完成所有還款，陳君向A 保險公司領回所有先前交由A保險公司進行資金管理的款 項及其投資報酬。 [0045] 實施例二 [0046] 周君並非A保險公司之保戶，他將原本在B銀行辦理的房 貸轉至A保險公司辦理，以取得p—價到底」利息較低之 房屋貸款。A保險公司進行房屋鑑價後，願意承接周君未 還清之房資餘額320萬元，於是核定一貸款額度及一競標 額度給與周君，周君同意接受該額度後，依據A保險公司 房貸客戶的要求，周君必需選擇購買還款保險，以確保 周君之房屋所有權以及增強保險公司之債權保障；周君 完成壽險保單之購買後，A保險公司將周君之房屋設定抵 押，並賦與周君一過渡性貸款以償還原房貸，之後，周 君以A保險公司所賦與之競標額度360萬元參與互助式資 金競標機制，進入每月一期、每期單位款項$20, 000元 、為期十五年之資金競標組合，自第1個月至第110個月 結束，周君皆未得標，因此每月根據當期得標者之標金 繳交存款；第111個月時，周君以$1，360元之標金得標 ，取得總得標金$3,486，160元（（$20,000 —$1，360 09615153#單編號 A0101 第17頁/共26頁 1013118484-0 1374395 101年03月28日修正替換頁 )X (180期一111期）+$20,000 X ( 1 1 1 期一1期）= $3, 486, 1 60 )，於償還過渡性貸款後，周君領取剩餘之 總得標金，並於第112個月至第180個月，每月繳交 $20, 000元之還款給與A保險公司。 [0047] 實施例三 [0048] 趙君並非A保險公司之客戶，他想藉由A保險公司之資金 競標機制以小額存款來進行投資，因此至A保險公司申請 。A保險公司進行房屋鑑價後，核定一貸款額度及一競標 額度給與趙君，然而趙君認為該額度並未滿足其投資所 需資金，乃要求A保險公司提高其貸款額度。 [0049] A保險公司經過再次分析，認為已不能再核與趙君更高之 貸款額度，遂要求趙君增提擔保品。然而趙君名下除了 上述房屋之外，並無其他可供抵押擔保之不動產或可供 質借之具有現金價值之保單，以致於無法再提高其競標 額度，因此趙君決定離開平台。 [0050] 實施例四 [0051] 林君並非A保險公司之客戶，他將原本在C銀行辦理的房 貸轉至A保險公司辦理，A保險公司進行房屋鑑價之後， 願意承接林君未還清之房貸餘額250萬元，於是核定一貸 款額度及一競標額度給林君，林君覺得不滿意，希望可 以獲得更高額度使其能夠轉貸之餘也有多餘資金能夠做 投資。因此A保險公司詢問林君是否能夠增提其他擔保品 來增加其貸款額度，因為林君名下尚有已繳清房貸之住 宅，因此A保險公司鑑價之後願意從房產提高林君之競標 0961515#單编號删1 第18頁/共26頁 1013118484-0 1374395 [Ίοΐ年.03月28日修正_頁| 額度450萬’因此林君再加上先前獲得之競標額度即擁有 總競標額度7〇〇萬’林君決定動用全部的競標額度。之後 ’林君依Α保險公司要求購買還款保險，並將房屋交由A 保險公司設定抵押。 [0052] 林君以700萬元之競標額度參與互助式資金競標機制，進 入每月一期、每期單位款項$5〇,〇〇〇元、為期十年之資 金競標組合，於該競標組合人數額滿後即開始競標，由 於林君認為最近投資行情看漲，因此第1個月時，林君便 得標，當其得標金$4, 〇〇〇元，因此林君獲得總得標金 $5,474’000 ( ($5〇, 〇〇〇-$4〇〇〇 ) X (120期一1期） =$5’474,0〇〇)，林君將總得標金拿出25〇萬交由A保險 公司進行資金管理。 [0053] [0054] [0055][0044] Since the 49th month, Chen Jun paid a repayment of $60,000 per month to A Insurance Company, and completed all repayments by the end of the 120th month. Chen Jun returned to A Insurance Company. All funds previously managed by A Insurance Company for fund management and their investment remuneration. [0046] Embodiment 2 [0046] Zhou Jun is not a policyholder of A Insurance Company. He transfers the mortgage loan originally handled by Bank B to A Insurance Company to obtain a home loan with lower interest rate. After the insurance company conducts house price appraisal, it is willing to accept the balance of RMB 1.8 million that Zhou Jun has not paid off. Therefore, it is approved that a loan amount and a bid amount will be given to Zhou Jun. Zhou Jun agrees to accept the quota and then according to the A insurance company. At the request of the mortgage customer, Zhou Jun must choose to purchase repayment insurance to ensure Zhou Jun’s ownership of the house and enhance the insurance company’s claims. After Zhou Jun completed the purchase of the life insurance policy, A insurance company will mortgage Zhou Jun’s house and give it to Zhou Jun. After a transitional loan to repay the mortgage, Zhou Jun participated in the mutual aid fund bidding mechanism with a bid of 3.6 million yuan from the A insurance company, and entered the monthly, per-unit unit payment of $20,000 for a period of ten. The five-year fund bidding combination, from the first month to the end of the 110th month, Zhou Jun did not win the bid, so the monthly deposit according to the current bidder's standard deposit; the eleventh month, Zhou Jun Won the bid of $1,360, and get a total of $3,486,160 ($20,000 — $1,360 09615153#单单A0101 Page 17 of 26 Page 1013118484-0 1374395 Amendment March 28, 2011 Replacement page) X (180 issues - 111 issues) + $20,000 X (1 1 1 period 1 period) = $3, 486, 1 60 ), after repaying the transitional loan, Zhou Jun receives the remaining total winnings, and From the 112th month to the 180th month, a monthly payment of $20,000 is paid to the A insurance company. [0048] The third embodiment [0048] Zhao Jun is not a customer of the A insurance company. He wants to invest with a small deposit through the fund bidding mechanism of the A insurance company, and therefore applies to the A insurance company. After the insurance company conducts house price appraisal, it approves a loan quota and a bid amount to Zhao Jun. However, Zhao Jun believes that the amount does not meet the funds required for his investment, and requires A insurance company to increase its loan quota. [0049] After an analysis again, A insurance company believes that it is no longer possible to reconcile Zhao Jun with a higher loan amount and ask Zhao Jun to add collateral. However, in addition to the above-mentioned houses, Zhao Jun’s name has no other real estate that can be mortgaged or a cash-worthy policy that can be borrowed, so that he can no longer increase his bidding quota. Therefore, Zhao Jun decided to leave the platform. [0050] Embodiment 4 [0051] Lin Jun is not a customer of A Insurance Company. He transferred the mortgage loan originally handled by Bank C to A Insurance Company. After the insurance company conducted the house price assessment, he was willing to undertake Lin Jun’s failure to pay off. The mortgage balance of 2.5 million yuan, so approved a loan quota and a bid amount to Lin Jun, Lin Jun felt dissatisfied, hoping to get a higher amount to enable him to transfer funds and have extra funds to make investment. Therefore, A insurance company asked Lin Jun whether he could add other collateral to increase his loan quota. Because Lin Jun still has a house with a mortgage payment, A insurance company is willing to raise Lin Jun’s bid from the property after the price is assessed. #单编号删1 Page 18/26 pages 1013118484-0 1374395 [Ίοΐ年.03月28日修正_页| Amount of 4.5 million' Therefore, Lin Jun plus the previously obtained bidding amount has the total bid amount 7 Yan Wan’s Lin Jun decided to use all the bidding quotas. After that, Lin Jun relied on the insurance company to purchase repayment insurance and handed over the house to A insurance company for mortgage. [0052] Lin Jun participated in the mutual aid fund bidding mechanism with a bid amount of 7 million yuan, and entered the monthly, first-period unit payment of $5〇, Qianyuan, a ten-year fund bidding combination, in the bidding combination After the amount is over, the bidding starts. Because Lin Jun believes that the recent investment market is bullish, Lin Jun will win the bid in the first month. When he won the bid of $4, Qianyuan, Lin Jun won the total prize of $5,474'. 000 ( ($5〇, 〇〇〇-$4〇〇〇) X (120 issues 1 period) = $5'474,0〇〇), Lin Jun will always receive 25% of the standard gold to be paid by A Insurance Company Fund management. [0055] [0055]
自第2個月起’林君每個月繳交$5Qq⑽元之還款給與A 保險公司’以12D個月結糾完成財，林君向A 保=司領回所有先前交由A保險-進行資金管理的款 項及其投資報酬。 總結上述，本發明有以下優點： mr—個儲蓄購屋平台，讓將來想買房子的存 二，要買房子的借款人以及想應用現有的房子 ^房子rr者利用直接金融的存借—體方式讓將來 :=者:=:，選擇先…存 人，則可在正要買房子的 入得並進行儲貸保戶進 D取得料資金，得標後·以-㈣金額「 09615153#單編號 A0101 第19頁/共26頁 1013118484-0 1374395 101年03月28日核正替^ 一價到底」的償還房貸，可免除房貸客戶的利率風險。 [0056] 2.本發明結合保險創造一筆或有資產讓參與平台的要保 人都能在風險保障底下，完成人生的築屋夢想。 [0057] 3.本發明的保險平台，係利用會員存借一體的方式聚集 房貸資金。房貸資金由保險客戶共同承擔，並以利息競 價的方式，決定孰先孰後的先後使用順序；結果使保險 · 房貸客戶能以較低利率使用「一價到底」的房屋貸款， 保險方則在沒有利差風險下，穩當的賺取手續費，讓保 險產品轉化為金融服務商品。 [0058] 4.本發明的目的’係提供房貸會員客製化的還款條件， 會員可以不斷出價，以爭取到比市場條件更好的還款利 率。 [0059] 5·本發明建物的房屋貸款平台，可擴大保險業務範圍， 並促進保險客戶的忠誠度。 [0060] 6·本發明建構的保險平台，其資訊的對稱性和互動性反 映網路時代的金融I品特性’使保險商品向銀行領域傾 斜，增加現金流量，擴大利基。 【圖式簡單說明】 [’] 圖一係一本發明之實施方式流程圖。 圖二係一本發明之奂助式或有資產購屋保險平台建置之 糸統圖。 【主要元件符號說明】 [0062]客戶 201 互助式或有資產購屋保險平台建置系統 09615153#單編號A0101 第20頁/共26頁 1013118484-0 202 137.4395 101年.03月28日俊正替換頁 客戶使用介面 203 伺服器 204 擔保品及保單鑑價模組 205 還款保險作業模組 206 抵押與質借設定模組 207 過渡性貸款作業模組 208 資金競標組合交易模組 209 資金管理作業模組 210 理賠及結算交割模組 211 資料庫 212 09615153^^^^ A〇101 第21頁/共26頁 1013118484-0From the second month onwards, 'Lin Jun pays $5Qq (10) per month for repayment to A Insurance Company's 12D month to complete the settlement, Lin Jun to A Bao = Division to return all previous A insurance - Funds for fund management and their investment returns. Summarizing the above, the present invention has the following advantages: mr-a deposit-purchasing platform, which allows the borrower who wants to buy a house in the future, the borrower who wants to buy a house, and the person who wants to apply the existing house^the house rr to use direct financial lending-body In the future: =:::, choose to save first, then you can buy the house and go to the deposit and loan insurance to enter the D to get the funds, after the standard · with - (four) amount "09615153# single number A0101 19 pages / a total of 26 pages 1013118484-0 1374395 On March 28, 101, the repayment of mortgages for the mortgage of the company was exempted from the interest rate risk of the mortgage customers. [0056] 2. The invention combines insurance to create a contingent asset to enable the insured person of the participating platform to complete the dream of building a house in life under the risk guarantee. [0057] 3. The insurance platform of the present invention collects mortgage funds by means of a member deposit and loan. The mortgage funds are jointly borne by the insurance customers, and the order of use is determined by the interest bidding method. As a result, the insurance and mortgage customers can use the “one price” mortgage at a lower interest rate, and the insurance party is Without the risk of spreads, you can earn a fee and convert insurance products into financial services. [0058] 4. The purpose of the present invention is to provide a repayment condition for the mortgage member to customize, and the member can continuously bid to obtain a better repayment rate than the market condition. [0059] 5. The housing loan platform of the present invention can expand the scope of insurance business and promote the loyalty of insurance customers. [0060] 6. The insurance platform constructed by the present invention, the symmetry and interactivity of the information reflects the financial characteristics of the Internet era, which makes the insurance products tilt to the banking sector, increases cash flow, and expands the niche. BRIEF DESCRIPTION OF THE DRAWINGS ['] Figure 1 is a flow chart of an embodiment of the present invention. Figure 2 is a diagram showing the construction of an insurance-type or asset-based home insurance platform for the invention. [Main component symbol description] [0062]Customer 201 Mutual-assisted or asset-purchasing insurance platform construction system 09615153#单号A0101 Page 20/26 pages 1013118484-0 202 137.4395 101 years. March 28th Junzheng replacement page customer Using the interface 203 server 204 collateral and policy evaluation module 205 repayment insurance operation module 206 mortgage and loan setting module 207 transition loan operation module 208 capital bidding combination transaction module 209 fund management operation module 210 Claims and Settlement Delivery Module 211 Database 212 09615153^^^^ A〇101 Page 21 of 26 1013118484-0