XJ/〇639 101年.08月03日核正替换頁 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房屋貸款及保險領域。 [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 ，但壽險規模並沒有成長，而且一直在15%的資產規模 中徘柄。 [〇〇〇3] 保險業的困境，來自於人民生活水準的提高，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，客戶採取純保障的保 險方式來規避風險，對於「資產配置」的客戶群，則尋 求或有k產投保概念以及投資型保單來規劃。 _彳緣業’基本上就是經營長天期利率和風險管控的行業 。長天期利率的經營，使保險資金和房貸結下不解之緣 ，保險么司不是將資金挹注/在抵押房屋貸款市場，就是 投資在不動產的配置上。可惜的是：長年以來，保險業 並沒有人企圖將人類生活重要的居住元素，納入保險商 时的範可中。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 屋擴大儲蓄的投貢者’集合在—個存借平台上創造一 09710370^^^^ A〇101 第3頁/共35頁 1013296670-0 1376639 101年08月03日梭正替換頁 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β [0005] 為了這個問題，許多有識之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、歷史事件、專家經 驗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 5，025，138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滿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。美國專 利編號US 5, 940, 812之” Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network” ，提出·—個可經由網 路自動撮合借款需求給潛在放款者的工具與方法，以及 〇971〇37〇产·單编號 A0101 第4頁/共35頁 1013296670-0 ^376639 101年.08月03日修正替換頁 美國專利編號 US 5, 995，947之” Interactive mortgage and loan information and real-time trading system” ，提出一個替借款者尋找資金的系統 與方法，借款人提出即時的借款申請，如房屋抵押貸款 申請，並且將之置於平台接受競標，得標者可以取得借 款予該借款人之權利，該發明並利用一個伺服器維持等 候審核之借款申請資料與狀態；然而，此二發明專注於 一個借款的流程，卻只能單方面地交易借款申請人的負 債，並無法交易他們的資產。 [0006] 上述諸多的解決方案，都只是保單價值的片面利用，而 沒能為保險業界提出一個向銀行界傾斜，發揮擴大保險 金流管道、增加流動性；因此，如何運用保險操作長天 期資金的能力，將資金引導到房貸市場上，使保險商品 既具有保障避險的功能，亦可擴大資金流量.，實是我們 所期待的。 【發明内容】 [0007] 本發明創造一種購屋保險權證交易之方法，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，並導入一資金競標機制，競標結束後 ，賦予得標者負債競標權證以及未得標者資產競標權證 ，並藉由平台之伺服器進行競標權證交易。 [0008] 本發明建構一種賭屋保險權證交易之系統，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 隱關!^單編號A〇101 第5頁/共35頁 1013296670-0 1376639 101年08月03日核正替换頁 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 機制進行競標；一還款保險作業模組，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，完成該房屋融 資貸款作業之用；一資金競標機制交易模組，用以處理 一客戶參與一資金競標機制之競標交易作業；一資金管 理作業模組，用以處理該客戶參與該資金競標機制得標 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；一權證作業及交易模組，用以 產生競標權證發行、競標權證質借、競標權證標售、競 標權證轉讓之資訊；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] 根據本發明構想，提出一種購屋保險權證交易之方法， 包含有：一平台依據所接收到一客戶所輸入之一房貸需 酬产單编號A0101 第6頁/共35頁 1013296670-0 1376639 101年.08月0·3日梭正替換頁 求，來處理該客戶所需之存款及一房屋融資貸款作業； 以及該平台根據該房屋融資貸款作業之結果，計算並授 與該客戶一過渡性貸款、一競標額度，並將該客戶導入 一資金競標機制；以及該平台根據該客戶參與該資金競 標機制之狀況賦予一競標權證。 [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；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。 [0011] 更佳地，若該平台所接收到之該房貸需求訊息為目前無 房貸或資金上之需求，則該平台會直接將該客戶導入該 資金競標機制進行存款。 [0012] 更佳地，該房屋融資貸款作業另包含：該平台根據有房 貸需求或資金需求之客戶所輸入之一擔保品及保單資訊 進行一擔保品及保單鑑價作業；該平台處理一還款保險 購買作業；該平台處理該擔保品及保單抵押與質借設定 作業；以及該平台接收該客戶所輸入之該過渡性貸款需 求訊息，處理並賦與該客戶該過渡性貸款。 [0013] 更佳地，該平台接收到該客戶所輸入有房貸或資金需求 之訊息，同時也接收到該客戶所提出之房貸或資金需求 金額後，該平台會發出訊息要求該客戶輸入可供鑑價之 該擔保品及保單資訊。 [0014] 更佳地，該擔保品及保單鑑價作業係指該平台根據該客 戶所輸入之該擔保品及保單資訊進行鑑定及價值計算， 097103701^單編號 Α〇101 第7頁/共35頁 1013296670-0 1376639 __ 101年08月03日梭正替换頁 並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機制進 行競標。 [0015] 更佳地，該平台所計算得出能夠賦與該客戶之該貸款額 度，經該平台接收到該客戶輸入確認該貸款額度足夠之 訊息後，該平台會發出訊息要求該客戶購買一還款保險 ，接著該平台會處理該擔保品及保單抵押與質借設定作 業。 [0016] 更佳地，該平台所計算得出能夠賦與該客戶之該貸款額 度，經該平台接收到該客戶輸入確認該貸款額度不足時 ，該平台會詢問是否增提擔保品，若平台接受該客戶輸 入肯定訊息，則再次進行該擔保品及保單鑑價作業。 [0017] 更佳地，所述之方法另包含：若平台接受該客戶輸入否 定訊息，則發出訊息要求該客戶退出該平台。 [0018] 更佳地，該還款保險用以在該客戶於往後，因保險約定 事項發生，而未能按期還付該過渡性貸款或從該資金競 標機制中得標所取得之款項未能按期還款付而代償之用 〇 [0019] 更佳地，該平台在接收到該客戶所輸入需要過渡性貸款 之訊息後，•會賦與該客戶該過渡性貸款，接著將該客戶 導入該資金競標機制。 [0020] 更佳地，該平台在接收到該客戶所輸入不需過渡性貸款 之訊息後，該平台會直接將該客戶導入該資金競標機制 097_产單编號A〇101 第8頁/共35頁 1013296670-0 1376639 101年.08月03日梭正替換π [0021] 更佳地，導入該資金競標機制之客戶，若該平台接收到 該客戶參與競標得標之訊息時，該平台會根據該客戶之 需求訊息，將一總得標金導入一平台資金管理或撥付與 該客戶或用以償付該過渡性貸款。 [0022] 更佳地，若該平台接收到該客戶參與競標未得標之訊息 時，該平台會發出訊息要求該客戶進行該資金競標機制 存款。 [0023] 更佳地，該平台根據該客戶參與該資金競標機制之狀況 賦予一競標權證，係指當該平台接收到該客戶參與該資 金競標機制競標後，該平台會根據所接收到該客戶得標 或未得標之資訊，計算並發出該競標權證與該客戶。 [0024] 更佳地，若該平台接收到該客戶得標之資訊，則該平台 會根攄此資訊計算並發出一負債競標權證與該客戶。 [0025] 更佳地，若該平台接收到該客戶未得標之資訊，則該平 台會根據此資訊計算並發出一資產競標權證與該客戶。 [0026] 更佳地，該平台會根據該客戶參與該資金競標機制之各 期得標取走得標金或未得標進行存款之情況，即時計算 、更新該客戶之該競標權證之價值。 [0027] 更佳地，當該平台接收到原為取得該資產競標權證之客 戶於中間期得標之資訊，則該平台會根據此資訊，將該 資產競標權證轉換為負債競標權證，並即時計算、更新 該客戶之該競標權證之價值。 〇971〇37(^單編號 Α〇101 第9頁/共35頁 1013296670-0 1376639 101年08月03日核正替換頁 [0028] 更佳地，該平台接收並處理擁有該競標權證之客戶與其 * 他客戶之交易訊息以完成該競標權證標售交易。 [0029] 更佳地，該平台接收並處理擁有該競標權證之客戶與其 他客戶之交易訊息以完成該競標權證轉讓交易。 [0030] 根據本發明構想，提出一種購屋保險權證交易之系統， 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資訊以供鑑價後，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資料，計算得出能夠 賦與該客戶之一貸款額度，同時另得出一競標額度，可 供該客戶於該資金競標機制進行競標；一資金競標機制 交易模組，用以處理該客戶運用該競標額度參與一資金 競標機制之競標交易之資訊；一競標權證作業模組，用 以處理該客戶參與該資金競標機制競標後，所接收到該 客戶得標或未得標之資訊，計算並發一競標權證與該客 戶，並即時計算更新該競標權證之價值及轉換競標權證 之類型；以及一理賠及結算交割模組，用以處理該客戶 所購買之一還款保險所規定理賠項目發生時之該客戶所 輸入之理賠請求訊息，進行一理賠金認定、計算、給付 及所有該平台運作中所產生之金流計算、收付作業之處 理0 [0031] 更佳地，所述之系統另包含：一還款保險作業模組，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 097103701^^^^ A〇101 ^ 10 I / ^ 35 I 1013296670-0 1376639 101年.08月C0日修正替换頁 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；一資金管理作 業模組，用以處理該客戶參與該資金競標機制交易得標 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。 [0032] 更佳地，該競標權證作業模組用以接收並處理擁有該競 標權證之客戶與其他客戶之交易訊息以完成該競標權證 標售交易。 [0033] 更佳地，該競標權證作業模組用以接收並處理擁有該競 標權證之客戶與其他客戶之交易訊息以完成該競標權證 轉讓交易。 [0034] 更佳地，該競標權證作業模組用以接收並處理擁有該競 標權證之客戶與其他客戶之交易訊息以完成該競標權證 質借交易。 [0035] 更佳地，該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；該還款保險之賭買核發、繳付 保費；該資金競標機制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；該資金管理作業之資金收付及結算；以及該競 標權證交易之金額計算與結算、收付。 0971037#單編號應01 第11頁/共35頁 1013296670-0 1376639 -— 101年08月03日梭正替換頁 [0036] 更佳地，所述之系統另包含：一伺服器，用以協調該擔 保品及保單鑑價模組、該還款保險作業模組、該抵押與 質借設定模組、該過渡性貸款作業模組、該資金競標機. 制交易模組、該資金管理作業模組、該競標權證作業模 組、該理賠及結算交割模組之間的資訊、訊息、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 行及處理之資訊與金額交流以儲存相關之資訊。 【實施方式】 [0037] 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，並且利用競標權證使這些價值得以自由 交易、便於流動；在此架構下，保戶及非保戶，已有房 屋的借款者（即以自有、已繳清房貸之房屋進行抵押融 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（未來借款人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、 09710370产單编號 A〇101 ? 12 頁 / 共 35 頁 1013296670-0 1376639 101年08月03日梭正替換頁 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；平台於計算得標及未得標者 之資產或負債後，賦予競標權證，使得標者與未得標者 透過伺服器之競標權證作業模組取得資產競標權證或負 債競標權證以進行競標權證交易，在各期結標後便即時 計算資產競標權證及負債競標權證之價值變動，持有人 可持該資產競標權證或負債競標權證在平台進行競標權 證標售、轉讓及質借以取得資金，也可持此權證向外界 之金融機構、投資機構等可操作此業務之機構進行質借 〇 [0038] 以下將本發明之實施方式配合圖式詳細描述： [0039] 圖一係一本發明之互助式或有資產購屋保險平台之方法 流程圖。客戶（201 )經由客戶使用介面（ 203 )進入平 台（101)，平台詢問客戶是否有房貸或資金需求（102 )，若否，則直接進入資金競標機制存款；若是，貝1J進 行擔保品及保單鑑價（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 價值評鑑，平台經審核，得出一擔保品及保單總價值， 平台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 時另有一競標額度，可供客戶於資金競標機制進行競標 ，二者可相等。賦與客戶一貸款額度之後，系統詢問貸 款額度是否足夠（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（106)，若是，則再次進 1013296670-0 0971 OWof單編號A〇1(H 第13頁/共35頁 丄J /ϋΟ^ν 行擔保品及保單㈣⑴3);若否，則客戶退出平台（ 1〇9)或以單純存款者身份參與該資金競標機制自然;積 競標額度以參與競標。若客戶確認貸款額度足夠使用，、 則客戶進入還款保險作業（105)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貸款或未能按期償還其自 _貝金競標機制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（1〇7)。完 成抵押及質借設定後，平台詢問客戶是否需過渡性貸款 (108)，若否，則平台直接將客戶導入資金競標機制（ U〇);若是，則平台賦與客戶過渡性貸款（111)，供 其償還原房貸或缴清購屋款項後，平台將客戶導入資金 競標機制（110)。客戶進入資金競標機制後，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（112);若得標者為房貸薷求者， 則平台將總得標金償還該客戶之過渡性貸款（112);未 得標者則進行存款（113)，賺取利息❶得標者取得得標 款項以及未得標者繳交當期款項後，即產生權利價值， 平台即賦予競標權證（114)。競標權證作業及交易模組 之競標權證的產生方式，係由線上資金競標機制的交易 結果衍生而來，其交易方法包括：得標者與未得標者取 得競標權證（114)，競標權證交易（115),至少包含 有：競標權證標售、競標權證轉讓及競標權證質借等不 同模式。 [0040]以上所述採用固定期間、固定會員人數的資金競標機制 〇971〇370产單编號A0101 第.I4頁/共35頁 1013296670-0 1376639 101年08月03日按正替換頁 ，在會員尚未得標取得資金前，或是會員有臨時性的資 金需求時，其變現性、流通性仍然不足。為此，本平台 將競標交易組合衍生出來的價值，核發競標權證，讓會 員權利價值能真實呈現，並透過競標權證交易方法，提 高其資金的變現性和會員結構的流通性。 [0041] 由前述步驟產生得標者與未得標者，經交割清算後，分 別透過伺服器之競標權證作業及交易模組取得資產競標 權證或負債競標權證以進行競標權證交易。 [0042] 競標權證屬權益證券，當會員有短期資金需求時，可持 競標權證，進入競標權證作業及交易模組標售、轉讓或 質借；權證之形式，可以為實體或為無實體的電子權證 〇 [0043] 關於競標權證線上標售，其具體的工作流程包括下列步 驟：平台計算得標者與未得標者的資產或負債價值，做 為交易的標的。會員將持有的資產競標權證或負債競標 權證登錄標售交易：平台對於未得標的會員，根據該會 員存款之期數及標金，計算未得標會員持有資產競標權 證的資產價值，並發給資產競標權證，由持有資產競標 權證的會員，進行交易登錄；已經得標的會員，根據該 會員得標後之應還款金額，賦予得標會員負債競標權證 ，並計算得標會員持有負債競標權證的負債價值，發給 負債競標權證，由持有負債競標權證的會員進行交易登 錄；具有資產競標權證之會員輸入競標權證編號與最低 標售價格與期間，而具有負債競標權證之會員輸入競標 權證編號與最高標售價格與期間；平台開放競價：前述 097103701^單編號 A〇101 第 15 頁 / 共 35 頁 1013296670-0 1376639 101年Ό8月03日按正替换頁 資產競標權證與負債競標權證標售訊息成立，由平台開 放其它的會員及有意加入且通過資格審核之使用者進行 競價；產生得標者：資產競標權證由出價最高者得標， 負債權競標證由出價最低者得標；交割結算：得標會員 於規定交割期限内，將價款匯入交割專戶（資產競標權證 得標者）或由交割專戶取得價款（負債競標權證得標者）以 完成競標權證移轉手續。 [0044] 關於競標權證線上轉讓，因轉讓交易屬於雙方皆為特定 人之交易，所以轉讓人可線上提供其欲轉讓之資產競標 權證或負債競標權證之條件，而特定之受讓人於表達願 意接受後完成交易*步驟如下：轉讓會員和受轉讓會員 登錄轉讓交易；會員輸入協議之金額及條件，轉讓手段 建立；線上完成轉讓交易手段。 [0045] 關於競標權證質借，當無房貸或資金需求之會員有短期 資金需求時，可持競標權證，進入競標權證作業及交易 模組執行質押借款。其具體的工作流程包括下列步驟： 會員線上登錄競標權證質借交易後，在平台執行質押借 款，在核准貸款後該競標權證會被註記已辦理質押借款 ，取得質借之金額。由上述可知，競標權證線上質押借 款的交易，增進了線上資金競標商品融資的方便性及平 台運作之效率性。 [0046] 由上述可知，資產競標權證以及負債競標權證突破性地 大幅增進或有資產購屋商品的流動性，從而提高其市場 接受度。 蘭#單编號A0101 1013296670-0 第16頁/共35頁 1376639 101年08月0—3日按正替換頁 [0047] 圖二係一本發明之或有資產購屋保險權證交易平台建置 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（213)及各模組連結，各模組將資料、訊息及 結果分別存入資料庫（213)。該或有資產購屋保險權證 交易平台建置系統（ 202 )進一步包含以下模組： [0048] 一擔保品及保單鑑價模組（205 ):本模組自資料庫（ 213)接收進入平台之具房貸或資金需求之客戶之擔保品 及保單鑑價需求名單，並針對該客戶之擔保品及保單鑑 價資訊，計算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機制進行 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積競標額度以 參與競標。本模組針對擔保品進行鑑價及管理並決定過 渡性貸款額度，將前述結果傳送至該客戶（201)並將資’ 料存入貧料庫（213)， 0971037#單職應01 第17頁/共35頁 1013296670-0 1376639 101年08月03日核正替换頁 [0049] 一還款保險作業模組（ 206 ):本模組自資料庫（213) 擷取已接受貸款額度之客戶名單，要求該類客戶購買還 款保險，進行相關申請、要保 '審理、核保、核發之各 項功能及相關手續，通知客戶（201 )繳交保費，定期將 保單資料傳送至伺服器（ 204 )及存入資料庫（213)， 並透過客戶使用介面（ 203 )公布之； [0050] —抵押與質借設定模組（ 207 ):本模組自資料庫（213 )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，將相關訊息傳 送至客戶（201)，並將資料存入資料庫（213); [0051] 一過渡性貸款作業模組（ 208 ):本模組自資料庫（213 )接收進入平台之具過渡性貸款需求之客戶之名單，以 及擷取擔保品及保單鑑價模組針對該類客戶所核定之貸 款額度，負責處理賦與客戶過渡性資款之相關手續，計 算過渡性貸款之利息，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（213); [0052] 一資金競標機制交易模組（ 209 ):本模組至少包含一互 助式或自主性資金競標機制，由客戶（201)進行出價競 標，根據參與競標之客戶之競標標金，經由伺服器（204 )運算、處理、分析、執行後，自其中選取一個參與競 標客戶為得標者，將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（212)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 0971酬产單编號A〇101 第18頁/共35頁 1013296670-0 1376639 101年.08月03日核正替换頁 户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（212)，並將前述結果存 入資料庫（213); [0053] 以下詳述本模組之資金競標機制運作方式，其中至少可 包含互助式及自主性兩種資金競標機制；首先，互助式 與自主性資金競標機制中，有過渡性貸款之需求者須由 資金競標機制交易模組訂定每期會金、繳費間隔及繳費 期數，無資金需求之存款者以及過渡性貸款需求之借款 者可自由決定所參與之競標機制之每期會金、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，而在 互助式之競標機制之下，資金競標機制交易模组即計算 、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；在自主性競標機制 之下，資金競標機制交易模組即計算、分析、比對標金 ，並選取一個以上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： = ([/ _ k) X ((7V _ 吻)+([/ X 0 — 1)) 〇9丽〇产單編號搬01 第19頁/共35頁 1013296670-0 1376639 _— 101年08月03日梭正替換頁 利息後支付： /1-1 Αη=(υχ(Ν-ή)) + (υχ(η-ΐ))+^Ιί ϊ=1 其中XJ/〇639 101.08.03.03 Nuclear replacement page VI. Description of the invention: [Technical field to which the invention pertains] [0001] The present invention belongs to the field of home loan and insurance for financial e-commerce. [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, and 25% belong to retirement savings. 25% are invested in mutual funds, and less than 10% of the funds are owned. 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 scale of life insurance has not grown, and it has been 15 % of the asset size in the handle. [〇〇〇3] The dilemma of the insurance industry comes from the improvement of people's living standards. The protection of livelihoods of traditional life insurance products cannot meet the needs of customers. Now, customers need the protection of “significant risks” and “asset allocation”. Type of insurance. For the protection of “significant risk”, the customer adopts a purely guaranteed insurance approach to avoid risks. For the “asset allocation” customer base, it seeks to have a concept of insurance production and an investment policy to plan. _彳缘业' is basically an industry that operates long-term interest rates and risk management. The operation of the long-term interest rate makes the insurance funds and the mortgages inextricably linked. The insurance company is not investing in the funds/in the mortgaged home loan market, or investing in the allocation of real estate. It is a pity that for many years, no one in the insurance industry has attempted to incorporate the important elements of human life into the insurance industry. Therefore, how to make a depositor who wants to buy a house in the future, now want to buy a borrower of the house, and a tribute who wants to use the existing house to expand the savings' collection on a deposit-and-borrow platform to create a 09710370^^ ^^ A〇101 Page 3 of 35 Page 1013296670-0 1376639 On August 3, 101, Shuttle was replacing the page with no risk of spread, but also expanded the scale of operations and increased cash flow. Expected β [0005] For this problem, many insured insurers are seeking solutions. "System and method for providing a line of credit secured by an assignment of a life insurance policy", US Patent No. US 5,926,800, proposes a system and method for providing credit guarantees for life insurance, which is a loan for disease Life insurance system for the end and the elderly. However, this patent is managed according to the health status and financial variables of the insured. Therefore, the system uses the database, historical events, expert experience, 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 for emergency response according to the system results. The funds have no other application space; the US Patent No. 5,025,138 Method and system for providing verifiable line of Credit information" 'Propose a financial institution to use the applicant's unit price guarantee value as a collateral 'guarantee applicant's method and system for overdraft debit card, this patent uses the unique value of the policy value to guarantee the credit of the policy holder' The credit limit for overdraft debit cards is small, mostly for consumption, and is not very helpful for investment in housing purchases. US Patent No. US 5, 940, 812 " Apparatus and method for automatically matching a best available Loan to a potential borrower via global telecommunications network", proposes a tool and method for automatically matching borrowing needs to potential lenders via the Internet, and 〇 〇 〇 〇 〇 单 单 A A A A A A A A A A A A Page 1013296670-0 ^376639 101. August 03 Correction Replacement Page US Patent Number US Interactive Management and loan information and real-time trading system, US 5, 995, 947, proposes a system and method for borrowers to find funds, the borrower proposes an instant loan application, such as a mortgage application, and The bidder is placed on the platform to accept the bid, and the bidder can obtain the right to borrow from the borrower. The invention uses a server to maintain the loan application data and status pending review; however, the invention focuses on the process of borrowing, but only Can unilaterally trade the borrower's liabilities and cannot trade their assets. [0006] Many of the above solutions are only one-sided use of policy value, but fail to provide the insurance industry with a tilt to the banking sector. Insurance funds flow channels, increase liquidity; therefore, how to use the ability of insurance to operate long-term funds, the funds will be directed to the mortgage market, so that insurance products have the function of protecting against risks, but also can expand the flow of funds. What we are looking for. [Invention] [0007] The present invention creates a home insurance The method of securities trading includes: when a customer enters a platform, the platform will handle the customer deposit and home financing loan operation according to the customer's phased demand; and when the customer completes the housing financing loan evaluation, With the client a transitional loan, a bidding quota, and the introduction of a fund bidding mechanism, after the bidding is over, the successful bidders will be awarded the bidding warrants and the unqualified asset bidding warrants, and the platform's server will be used for bidding warrants trading. . [0008] The present invention constructs a system for trading a gambling house insurance certificate, comprising: a collateral and a policy evaluation module for processing one of the guarantees placed by a customer! ^ Single No. A 〇 101 Page 5 / Total 35 pages 1013296670-0 1376639 On August 3, 101, after the replacement of the page and the policy for the price, the company verified the price of the collateral and the policy and obtained the total value of the guaranty and the policy. The product and policy evaluation module will calculate the loan amount that can be assigned to the customer based on the total value of the collateral and the policy, the basic information of the customer and the current economic situation, and another bid amount for the customer. The bidding mechanism of the fund bidding mechanism; a repayment insurance operation module for processing one of the repayment insurances purchased by the customer, and performing various functions of related applications, insurance, trial, underwriting and issuance; The quality borrowing setting module is used to process the value mortgage setting of the collateral and the policy after the collateral and the policy is valued; a transitional loan operation module is used to handle one of the transitional needs of the customer. And the transitional loan refers to the result calculated after the completion of the collateral and policy valuation through the platform, in order to transfer the temporary financing funds available to the customer to complete the housing financing loan operation. a fund bidding mechanism transaction module for processing a customer's participation in a bidding transaction operation of a capital bidding mechanism; a fund management operation module for processing the customer to participate in the bidding mechanism of the fund to obtain one of the total The standard fund is introduced into a platform for fund management, and the platform management and profit and loss of the platform is calculated in real time; a warrant operation and transaction module is used to generate information on the issuance of bidding warrants, the bidding rights, the bidding of bidding warrants, and the bidding of bidding warrants; The claim settlement and settlement delivery module is configured to process the claim for claim settlement when the customer purchases the claim insurance claim, and performs a claim settlement, payment, and all the gold generated in the operation of the platform. Pay the job. [0009] According to the conception of the present invention, a method for purchasing a house insurance warrant is proposed, which comprises: a platform according to a customer received a mortgage loan production order number A0101 page 6 / a total of 35 pages 1013296670-0 1376639 101. On August 0, 3, the shuttle is replacing the page request to handle the deposit required by the customer and a home financing loan operation; and the platform calculates and awards the customer based on the result of the home financing loan operation. A transitional loan, a bidding quota, and the introduction of the client into a fund bidding mechanism; and the platform assigns a bidding warrant based on the status of the client participating in the fund bidding mechanism. [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; the operator of the platform may be an insurance company or various types of insurance A related financial institution or a legal person who cooperates with the above. [0011] More preferably, if the mortgage demand message received by the platform is that there is no need for a mortgage or capital, the platform will directly import the customer into the fund bidding mechanism for deposit. [0012] More preferably, the home financing loan operation further comprises: the platform performs a collateral and policy valuation operation according to one of the collateral and policy information input by the customer having the mortgage demand or the capital demand; the platform processes the Insurance purchase operation; the platform handles the collateral and policy mortgage and loan setting operation; and the platform receives the transition loan demand information input by the customer, and processes and assigns the transition loan to the customer. [0013] More preferably, after receiving the message that the customer inputs the mortgage or capital demand, and receiving the mortgage or capital demand amount proposed by the customer, the platform sends a message requesting the customer input to be available. The collateral and policy information for the valuation. [0014] More preferably, the collateral and policy valuation operation means that the platform performs identification and value calculation based on the collateral and policy information input by the customer, 097103701^单单Α〇101, page 7/total 35 Page 1013296670-0 1376639 __ On August 3, 101, Shuttle is replacing the page and calculating the loan amount that can be assigned to the customer based on the collateral and the total value of the policy, the customer's basic information and the current economic situation. There is also a bidding quota for the client to bid on the fund bidding mechanism. [0015] More preferably, the platform calculates the loan amount that can be assigned to the customer. After the platform receives the message that the customer inputs to confirm that the loan amount is sufficient, the platform sends a message requesting the customer to purchase one. Repayment insurance, then the platform will handle the collateral and policy mortgage and loan setting operations. [0016] More preferably, the platform calculates the loan amount that can be assigned to the customer, and when the platform receives the customer input and confirms that the loan amount is insufficient, the platform will ask whether to add the collateral, if the platform After accepting the customer to enter a positive message, the collateral and policy evaluation work will be performed again. [0017] More preferably, the method further comprises: if the platform accepts the customer inputting a negative message, sending a message requesting the client to exit the platform. [0018] More preferably, the repayment insurance is used to fail to pay the transitional loan on time or obtain the bid from the fund bidding mechanism after the customer has incurred the insurance agreement in the future. [0019] More preferably, after receiving the message that the customer inputs a transitional loan, the platform will assign the transition loan to the customer, and then import the customer into the Fund bidding mechanism. [0020] More preferably, after receiving the message that the client inputs no transitional loan, the platform directly imports the customer into the fund bidding mechanism 097_Product No. A〇101 Page 8/ A total of 35 pages 1013296670-0 1376639 101 years. August 03 shuttle is replacing π [0021] More preferably, the customer who introduced the fund bidding mechanism, if the platform receives the customer to participate in the bidding bidding message, the platform According to the customer's demand message, a total amount of the winning fund will be introduced into a platform for fund management or disbursement with the customer or for repaying the transitional loan. [0022] More preferably, if the platform receives the message that the customer participates in the bidding unsuccessful bidding, the platform will send a message requesting the customer to deposit the fund bidding mechanism. [0023] More preferably, the platform assigns a bidding warrant according to the condition that the customer participates in the fund bidding mechanism, that is, when the platform receives the bid of the customer to participate in the fund bidding mechanism, the platform will receive the customer according to the Winning or unsuccessful information, calculate and issue the bidding warrant with the customer. [0024] More preferably, if the platform receives the information obtained by the customer, the platform calculates and issues a liability bidding warrant and the customer based on the information. [0025] More preferably, if the platform receives the information that the customer has not obtained, the platform calculates and issues an asset bidding warrant and the customer based on the information. [0026] More preferably, the platform will calculate and update the value of the bidding warrant of the customer in real time according to the situation in which the customer participates in the bidding mechanism of the fund to obtain the bid or the unsuccessful deposit. [0027] More preferably, when the platform receives the information obtained by the customer who originally obtained the bidding certificate of the asset in the intermediate period, the platform converts the asset bidding warrant into the liability bidding certificate according to the information, and immediately Calculate and update the value of the customer's bid warrant. 〇971〇37(^单号Α〇101 Page 9/35 pages 1013296670-0 1376639 101 August 101 Nuclear replacement page [0028] More preferably, the platform receives and processes customers who own the bidding warrant More preferably, the platform receives and processes the transaction information of the customer who owns the bidding warrant and other customers to complete the bidding warrant transfer transaction. [0030] More preferably, the platform receives and processes the transaction information of the customer who owns the bidding warrant and other customers. According to the concept of the present invention, a system for purchasing a home insurance certificate is provided, comprising: a collateral and a policy evaluation module for processing a collateral and policy information submitted by a customer for identification, for the guarantee The product and the policy are valued to obtain a collateral and the total value of the policy. The collateral and policy pricing module will calculate the total value of the collateral and the policy, the basic information of the customer and the current economic status. It is concluded that one of the customer can be granted a loan amount, and at the same time, a bid amount can be obtained for the customer to bid on the fund bidding mechanism; a fund bidding mechanism trading module, The information of the bidding transaction for the customer to use the bidding quota to participate in a capital bidding mechanism; a bidding warrant operation module for processing the customer to participate in the bidding mechanism of the capital bidding mechanism, after receiving the bidding of the customer or not winning the bid The information, calculate and concurrently bid for a warrant and the customer, and calculate and update the value of the bid warrant and the type of the bidding warrant; and a claim settlement and settlement delivery module to process the repayment insurance of the customer Preferably, the claims request message entered by the customer at the time of the claim settlement item is subjected to a claim compensation calculation, calculation, payment, and processing of the gold flow calculation and payment operation generated in all the operations of the platform. [0031] More preferably, The system further comprises: a repayment insurance operation module for processing one of the repayment insurances purchased by the customer, performing related functions, guaranteeing, hearing, underwriting and issuing functions; By setting 097103701^^^^ A〇101 ^ 10 I / ^ 35 I 1013296670-0 1376639 101.08 C0 date correction replacement page module for handling the guarantee And the value collateral and quality of the collateral and policy after the policy is valued; a transitional loan operation module to handle the transfer of one of the client's required transitional loans, the transitional loan Through the platform, the results calculated after the collateral and the policy evaluation work are completed to give the temporary financing funds available to the customer to complete the housing financing loan operation; a fund management operation module is used for After processing the customer's participation in the bidding mechanism of the fund bidding mechanism, one of the total funds will be introduced into a platform fund management, and the platform management fund profit and loss will be calculated immediately. [0032] More preferably, the bidding warrant operation module is used to receive And processing the transaction information of the customer who owns the bidding warrant and other customers to complete the bidding transaction of the bidding warrant. [0033] More preferably, the bidding warrant operation module is configured to receive and process a transaction message between the customer who owns the bidding warrant and other customers to complete the bidding warrant transfer transaction. [0034] More preferably, the bidding warrant operation module is configured to receive and process a transaction message between the customer who owns the bidding warrant and other customers to complete the bidding warrant loan transaction. [0035] More preferably, the claim settlement and settlement delivery module further comprises: processing the repayment and repayment of the transitional loan; the gambling purchase of the repayment insurance, payment of the premium; and the deposit generated by the exchange of the capital bidding mechanism The payment and the total amount of funds will be introduced into the platform to manage or allocate the funds to the policyholders and the total amount of the required funds; the fund collection and settlement of the fund management operations; and the calculation and settlement of the amount of the competition warrants, and the receipt and payment. 0971037#单号应01第11页/共35页1013296670-0 1376639 -—August 03, 2010 Shuttle replacement page [0036] More preferably, the system further includes: a server for coordination The collateral and policy valuation module, the repayment insurance operation module, the mortgage and quality loan setting module, the transitional loan operation module, the fund bidding machine, the transaction module, the fund management operation mode The group, the bidding warrants operation module, the information, the information, the data and the amount exchange between the claim settlement and settlement delivery module; a customer interface for transmitting all the information between the client and the server; The library is used to exchange information and amount according to the information processed and processed by the server to store related information. [Embodiment] [0037] 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 as a target, and builds an insurance "continuous asset" and a policy. Value-supported home insurance platform, and the use of competitive warrants to make these values freely tradeable and easy to flow; under this structure, policyholders and non-guarantees, already borrowers of houses (ie, self-owned, paid-up mortgages) Those who are mortgage financing, the mortgage demanders, and the depositors who plan to purchase homes in the future (that is, those who have no funds for the time being) can participate. Policyholders and non-guarantees who plan to purchase homes in the future can directly enter the fund 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 borrower 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 The creditor's rights of the 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 existing houses also use the house as collateral, 09710370, the order number A〇101? 12 pages/total 35 pages 1013296670-0 1376639 On August 03, 101, the shuttle is replacing the page to enhance the value of the collateral. Obtain bids to participate in the bidding; if the bid is obtained, you can choose to directly receive the total bid or transfer the total bid to the fund management; if the bid is not obtained, deposit; if the platform calculates the winning or unsuccessful assets or liabilities, The bidding warrants are given to enable the bidder and the unsuccessful bidder to obtain the bidding warrants or the liability bidding warrants for the bidding warrants through the bidding operation module of the server, and calculate the bidding warrants and liabilities of the assets immediately after the closing of each period. If the value of the warrants changes, the holder may hold the bidding warrants or liabilities bidding warrants on the platform for the bidding, transfer and quality of the bidding warrants to obtain funds, and may also use the warrants to external financial institutions, investment institutions, etc. The organization of the business carries out the quality loan [0038] The following describes the embodiments of the present invention in detail with reference to the drawings: [0039] FIG. 1 is a mutual aid of the present invention. Or method of insurance assets homebuyers platform of flow chart. The customer (201) enters the platform (101) through the customer interface (203), and the platform asks the customer whether there is a mortgage or capital requirement (102), and if not, directly enters the fund bidding mechanism deposit; if so, the Bay 1J performs the collateral and the policy Valuation (103). In the process of collateral and policy valuation, the client proposes the real estate of the housing finance loan, and the platform evaluates the value. The platform is audited to obtain the total value of the collateral and the policy. The platform is based on the total value of the collateral and the policy. Based on the customer's basic information and the current economic situation, it is calculated that one of the customers can be given a loan amount, and another bid amount is available for the customer to bid on the fund bidding mechanism. The two can be equal. After assigning a loan amount to the customer, the system asks if the loan amount is sufficient (104). If the customer confirms that the loan amount is insufficient, the platform asks if the collateral is added (106), and if so, enters 1013296670-0 0971 OWof single number A〇1 (H page 13 of 35 丄J /ϋΟ^ν The collateral and policy (4)(1)3); if not, the customer withdraws from the platform (1〇9) or participates in the fund bidding mechanism as a simple depositor; the accumulated bid amount is used to participate in the bidding. If the customer confirms that the loan amount is sufficient for use, the customer enters the repayment insurance operation (105) to purchase the repayment insurance, which provides life insurance, accident insurance, disability insurance, etc., if the customer fails to repay the transition due to personal accidents in the future. The loan will not be repaid on time, and the repayment insurance will be responsible for repaying the money obtained from the bidding of the bidding mechanism. Set the collateral to set the mortgage and policy (1〇7). After completing the mortgage and loan setting, the platform asks the customer whether they need a transitional loan (108). If not, the platform directly introduces the customer into the capital bidding mechanism (U〇); if so, the platform gives the customer a transitional loan (111) After it is used to repay the mortgage or pay the purchase price, the platform will introduce the customer into the capital bidding mechanism (110). After the customer enters the capital bidding mechanism, if the bidder is the borrower of the existing house, the platform will import the total amount of funds into the fund management or disbursement of the customer according to his will (112); if the bidder is the mortgage applicant, the platform The total amount of the standard will be repaid to the client's transitional loan (112); if the unsuccessful bidder will make the deposit (113), the earned interest will be awarded to the bidder and the unsuccessful bidder will pay the current amount. To generate the value of the right, the platform gives the bidding warrant (114). The method for generating bidding warrants for bidding warrants and trading modules is derived from the trading results of the online fund bidding mechanism. The trading methods include: winning bidders and unsuccessful bidders obtaining bidding warrants (114), bidding warrants trading (115), including at least: different modes such as bidding for bidding, bidding for bidding, and bidding for competitive bidding. [0040] The above-mentioned capital bidding mechanism using a fixed period and a fixed number of members 〇 971 〇 370 production order number A0101 No. I4 page / a total of 35 pages 1013296670-0 1376639 101 Aug. 03, according to the replacement page, in Before the members have obtained the funds, or when the members have temporary funding needs, their liquidity and liquidity are still insufficient. To this end, the platform will derive the value derived from the bidding transaction portfolio, issue the bidding warrants, and let the value of the members' rights be truly presented, and enhance the liquidity of the funds and the liquidity of the membership structure through the competitive bidding transaction method. [0041] The bidders and the unsuccessful bidders are generated by the foregoing steps, and after the settlement and liquidation, the bidding warrants or the liability bidding warrants are obtained through the bidding warrant operation and the transaction module of the server to perform the bidding warrant transaction. [0042] The bidding warrants belong to the equity securities. When the members have short-term capital requirements, they may hold the bidding warrants, enter the bidding warrants operation and the trading module to sell, transfer or license; the form of the warrants may be entity or non-physical. Electronic Warrants [0043] Regarding online bidding of competitive warrants, the specific workflow includes the following steps: the platform calculates the value of the assets or liabilities of the winner and the unsuccessful bidder as the subject of the transaction. The member will hold the asset bidding warrants or liabilities bidding warrants to log in to the sales transaction: the platform for the unqualified members, according to the number of the member deposits and the standard deposit, calculate the asset value of the unlicensed members holding the assets bidding warrants, concurrently For the bidding certificate of the asset, the member who holds the bidding certificate of the asset shall log in and register the transaction; the member who has already won the bid shall be awarded the bidding certificate of the winning member according to the amount of the repayment of the member after the bid is obtained, and calculate the winning bid of the winning member. The liability value of the liability bidding certificate is issued to the liability bidding certificate, and the member who holds the liability bidding certificate enters the transaction registration; the member with the asset bidding right certificate enters the bidding warrant number and the lowest selling price and period, and the member with the liability bidding certificate Enter the bidding warrant number and the highest selling price and period; platform open bidding: the above 097103701^single number A〇101 page 15 / total 35 pages 1013296670-0 1376639 101 years Ό August 03 according to the replacement page assets bidding warrants and liabilities The bidding warrants are set up and the other members of the platform are open to the public. The users who have passed the qualification review will bid; the winners will be awarded: the highest bidder will be awarded by the highest bidder, and the bidding license will be awarded by the lowest bidder; settlement settlement: the winning member will pay the price within the specified delivery period. The entry-to-delivery special account (the winner of the asset bidding right certificate) or the payment by the delivery account (the winner of the debt bidding certificate) completes the transfer of the competitive title certificate. [0044] Regarding the online transfer of the bidding warrants, since the transfer transaction belongs to a transaction in which both parties are specific persons, the transferor can provide the conditions of the bidding warrant or the liability bidding certificate of the asset to be transferred online, and the specific assignee expresses willingness to express Completion of the transaction after acceptance * The steps are as follows: the transfer member and the transferred member log in to the transfer transaction; the member enters the amount and conditions of the agreement, the transfer means is established; the transfer transaction means is completed online. [0045] Regarding the quality of the bidding warrants, when there is no short-term capital demand for the members who have no mortgage or capital demand, they can hold the bidding warrants, enter the bidding warrants operation and execute the pledge loan. The specific work process includes the following steps: After the member online login to the bidding warrant, the pledge loan is executed on the platform. After the loan is approved, the bidding warrant will be recorded and the pledge loan has been processed, and the amount of the loan is obtained. It can be seen from the above that the transaction of the pledge loan on the online bidding warrants enhances the convenience of financing online financial bidding products and the efficiency of the platform operation. [0046] From the above, it can be seen that the asset bidding warrants and the liability bidding warrants have greatly improved the liquidity of the collateralized goods, thereby increasing their market acceptance.兰#单号A0101 1013296670-0 Page 16 of 35 pages 1376639 101 years from August 0 to 3, according to the replacement page [0047] Figure 2 is a contingent asset insurance purchase certificate trading platform construction system Figure. The system (202) has a server (204) for providing a client (201) with a computer, a mobile phone, a PDA, etc. through a client interface (203) and a server (204) by means of network, wired and wireless communication. Linking, and the server (204) is also connected thereto; the server (204) uses the communication network, the wired communication device, the wireless communication device to perform an instant secure message exchange with the client (201); the server (204) and The database (213) and each module are linked, and each module stores the data, the message and the result in the database (213). The contingent asset insurance insurance certificate trading platform construction system (202) further comprises the following modules: [0048] a collateral and a policy evaluation module (205): the module receives the access platform from the database (213) A list of collateral and policy valuation requirements for customers with mortgage or funding needs, and calculating the total value of a collateral and policy for the collateral and policy valuation information of the customer, the collateral and policy valuation module based on The total value of the collateral and the policy, the customer's basic information and the current economic situation, the loan amount can be assigned to the customer, and there is another bid amount for the customer to bid on the fund bidding mechanism. If the customer believes that the loan amount is insufficient In use, the module asks the customer (201) whether to add the collateral. If the customer agrees, the module will re-grant the transition loan amount after the customer has added the collateral to be levied; if the customer is not willing When the collateral is added, the customer withdraws from the platform or participates in the bidding mechanism as a pure depositor to naturally accumulate the bidding quota to participate in the bidding. This module evaluates and manages the collateral and determines the transitional loan amount. The above results are transmitted to the customer (201) and the materials are deposited in the poor stock (213). 0971037#单职应01 17 Page/Total 35 Pages 1013296670-0 1376639 August 03, 2010 Nuclear Replacement Page [0049] A Repayment Insurance Module (206): This module retrieves customers who have accepted the loan amount from the database (213) The list requires that such customers purchase repayment insurance, carry out relevant applications, guarantee the functions of 'trial, underwriting, issuance and related procedures, notify the customer (201) to pay the premium, and regularly transmit the policy information to the server ( 204) and stored in the database (213) and published through the customer interface (203); [0050] - Mortgage and quality loan setting module (207): This module is retrieved from the database (213) A list of customers who purchase repayment insurance, handle the mortgage setting of the collateral of such customers and the quality loan setting of the policy, transmit the relevant information to the customer (201), and store the data in the database (213); [0051] Transitional Loan Operating Module (208): This module is self-funded The library (213) receives a list of customers entering the platform with transitional loan requirements, and obtains the loan amount approved by the collateral and policy evaluation module for such customers, and is responsible for handling the transitional funds assigned to the customer. Procedures, calculating the interest of the transitional loan, transmitting the transition loan related information such as the interest amount to the customer (201), and storing the data in the database (213); [0052] a fund bidding mechanism transaction module (209): The module includes at least a mutual assistance or autonomous fund bidding mechanism. The customer (201) bids for bidding, and according to the bidding standard of the bidding customer, after the server (204) calculates, processes, analyzes, and executes, One of the participating bidders is selected as the winner, and the bid opening result is transmitted to the server (204) through the customer interface (203), and the unsigned and non-bidding customers are deposited in the claim settlement and settlement delivery model. Individual sub-account of the platform delivery account of the group (212), personal sub-account of the platform delivery account, 0971, remuneration order number A〇101, page 18/total 35, 10132966 70-0 1376639 101 years. On August 3rd, the replacement of the page households, in addition to being used as deposits, can still be used as an account for future repayments after the bidding, and ask the borrowers of the existing houses that have won the bid. Whether to introduce the total standard gold into the platform fund management, and receive the reply from the customer (201), and transmit the relevant information of the unsuccessful customer, the winning customer, and the non-bidding customer to the claim settlement and settlement delivery module (212), and The foregoing results are stored in a database (213); [0053] The following is a detailed description of the operation mode of the capital bidding mechanism of the module, which may include at least mutual funding and autonomy bidding mechanisms; first, mutual aid and autonomy funds In the bidding mechanism, the demand for transitional loans must be set by the fund bidding mechanism transaction module to set the amount of each period of payment, payment interval and payment period. Depositors with no capital needs and borrowers with transitional loan demand are free to decide. The amount of each period of the participation in the bidding mechanism, the payment interval and the number of payment periods; multiplying each period of the payment by the number of contributions is equal to the target funds that the customer bids to the mechanism. Customers can vote on the website. The interest that is willing to pay the amortization according to the period is given. This interest is the bid of the customer, and under the mutual-bidding bidding mechanism, the trading module of the bidding mechanism calculates, analyzes and compares the bids in the same combination. Gold, and select one customer participating in the bidding from each bidding combination as the winner; under the autonomous bidding mechanism, the capital bidding mechanism trading module calculates, analyzes, compares the bid, and selects more than one bidding The customer is the winner; if the bid is obtained, the customer can get the total bid; the total calculation of the standard gold, from the interest payment, has the following two calculations: Interest paid first: = ([/ _ k) X ((7V _ kiss) + ([/ X 0 — 1)) 〇9 〇 〇 〇 搬 搬 01 01 01 / / 35 pages 1013296670-0 1376639 _ - August 03, 2003 shuttle is replacing page interest Payment: /1-1 Αη=(υχ(Ν-ή)) + (υχ(η-ΐ))+^Ιί ϊ=1
An:表示第η期得標者可取得的總得標金 U :表示會金 Ν :表示總期數 η :表示資金競標之期數 In:表示第η期之標金。 [0054] 若沒得標，則客戶可依得標者出示的標金來賺取利息； [0055] 一資金管理作業模組（210):本模組接收理賠及結算交 割模組（212)所傳送之已有房屋的借款者之總得標金， 將其轉成投資資產並進行資金管理，此模組負責即時計 算資金管理損益，定期將資產淨值傳送至伺服器（ 204 ) 及存入資料庫（213)，並透過客戶使用介面（ 203 )公 布之； . [0056] 一競標權證作業及交易模組（211):用以產生資產競標 權證及負債競標權證之發行、競標權證標售、競標權證 轉讓及競標權證質借之資訊，說明如下： [0057] 1.資產競標權證及負債競標權證之發行：每期開標之後 ，未得標者繳交至系統所設立之共同帳戶之子帳戶之金 額會由此模組計算其資產競標權證之資產價值；已經得 標者從系統所設立之共同帳戶取得之金額，會由此模組 037#單编號删1 第20頁/共35頁 1013296670-0 1376639 101年08月03日修正替換頁 取得負債競標權證並計算其負債競標權證之負債價值； 即競標權證作業模組之競標權證發行，可直接於模組内 執行會員繳交金額轉換資產競標權證或負債競標權證之 計算、轉換、通知與發行，並透過伺服器與金融機構、 投資機構等擁有權證轉換能力之機構合作，由其協助資 產競標權證或負債競標權證之轉換、通知、與發行。 [0058] 2.競標權證標售：會員透過此模組進行標售時，具有資 產競標權證之會員需輸入欲標售之最低金額與標售期間 ，而具有負債競標權證之會員則需輸入欲標售之最高金 額與標售期間，由此模組開放受讓人（會員或其他經資 格審核過的使用者）競價。受讓會員提出競標金額時即 由此模組撮合，待期間截止，撮合出一贏得競價之受讓 人，並通知伺服器競價結果，以圈存金額並完成權證移 轉，且完成資料庫資料更新。 [0059] 3.競標權證轉讓：欲轉讓權證之會員可透過此模組將此 權證讓與給特定之受轉讓人。此模組在此提供網路的中 介功能。 [0060] 4.競標權證質借：會員可透過此模組，將持有之競標權 證在線上辦理權證質借，完成質借會員須註記質借情形 於伺服器，以完成資料庫更新。 [0061] —理賠及結算交割模組（212 ):本模組接收還款保險作 業模組（ 206 )、過渡性貸款作業模組（ 208 )、資金競 標機制交易模組（ 209 )、資金管理作業模組（210)以 及競標權證作業及交易模組（211)所傳送之訊息，進行 謝蘭^單編號廳01 1013296670-0 第21頁/共35頁 1376639 101年08月03日核正替换頁 理賠申請、理賠認定及理賠金額計算，處理所有有關或 有資產購屋保險權證交易平台之現金收付，如收取保費 、過渡性房貸利息、未參與競標之純粹存款者所繳交之 存款、參與競標而未得標者之各期存款、處理過渡性貸 款之撥付、將房貸需求者之總得標金償還過渡性房貸' 將己有房屋的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、收取得標後之未來各期還 款、返還資金管理餘額、發行資產競標權證及負債競標 • 權證、競標權證交易、競標權證標售、競標權證轉讓、 競標權證質借、給付理賠金等結算交割處理之步驟，並 將前述結果存入資料庫（212)。 [0062] 以下列舉具體實施例說明之： [0063] 實施例一 林君是A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資，目的在獲得競標額度，自行 尋找投資標的，以活化房產所積壓之資金，獲取投資收 益'。 [0064] A保險公司除了對其房產進行鑑價，也將林君的保單納入 鑑價範圍。A保險公司評估林君的房產市價約 $12, 500, 000元，為求穩健，A保險公司認為林君可從房 產獲得競標額度$1 0, 000, 000元，再加上其原有保單現 金價值$5, 50 0, 000元所衍生之競標額度$5, 000, 000元 ，林君得到總競標額度$15, 0 00, 0 00元，但林君認為該 競標額度超過所需，因此只動用$6, 000, 000元之競標額 度。之後，林君將房屋交由A保險公司設定抵押。 037#單编號 A0101 第22頁/共35頁 1013296670-0 1376639 101年08月03日按正替換頁 [0065] 林君以$6, 000, 000元之競標額度參與資金競標機制，進 入每月一期、每期會金$50,000元、為期十年之資金競 標機制，第1個月時，林君並未得標，而當期得標者之標 金為$5,000元，因此繳交存款$45,000元（ $50, 000 -$5, 000 = $45, 000 )，自第2個月至第47 個月結束，林君皆未得標，因此，依各期當時得標者之 標金進行存款，在第48個月時，林君以$4, 700元之標 金得標，共取得$5,611，600元（（$50,000 — $4, 700 ) X ( 1 20期一48期）+ $50,000 X (48期一 1期）=$5,611，600 )，同時也因為林君已實現其存 款之價值，因此林君取得其剩餘期數所需償付之負債金 額之競標負債權證$3,600,000元（50,000父 72 = $3, 600, 000 )。此後林君固定還款每個月50, 000元 ，然而，到了第60期，林君決定透過競標權證交易來出 售其負債競標權證，此時其負債競標權證價值為 $3,000, 000 元（$3, 600,000 - ( 50,000x1 2 )= $3, 000, 000 )，林君將持有的負債競標權證進行線上標 售或轉讓，並透過前述競標權證作業模組進行標售，假 設最後以$2, 760, 000代價轉讓與其他會員一會員曱，對 於會員f而言，等於參加一個為期五年的資金競標機制 並立即得標，可立即取得資金$2, 760, 000,只要會員甲 按時還款，等同各期標息僅有$4, 000，對於林君而言， 一樣等於是參加一個五年的資金競標機制並實現其標息 收益。 [0066] 實施例二 〇9麗7(^單編號A〇101 第23頁/共35頁 1013296670-0 1376639 101年08月03日梭正替換頁 徐君為儲蓄型會員，意欲藉由平台存款賺取較高額利息 ，他參加一個會金$20, 000元，共二百四十期的資金競標 機制，假設該資金競標機制已進行至卅六期，前卅六期 的平均標金為$3, 000元，換言之，會員曱實際投入資金 為$61 2, 000元，應收標息收益為$108, 000元，由網站 核發資產競標權證$720, 000元，爾後徐君因決定提早與 女友步入禮堂有臨時資金需求，徐君便將持有的資產競 標權證進行線上標售，並透過前述競標權證作業模組進 行標售，假設最後以$655, 200元代價轉讓與其他會員一 會員乙，對於徐君而言，實現標息收益$43, 200元，並等 同於參加了一個卅六期的資金競標機制，每一期獲得標 息$1，200元。而對於得標的會員一會員乙而言亦同樣獲 利，只要交割支付會員甲$655, 200元，就立即取得資產 競標權證$720, 0G0元，可獲取應收標息$64, 800元，其 獲利十分可觀；又會員丙為一想要參加為期十七年的資 金競標機制且一開始想要參加競標取得資金，若會員丙 得標徐君的資產競標權證，則會員丙只要交割支付徐君 $655,200元，就立即取得資產競標權證$720, 000元， 可獲取應收標息$64, 800元，得標者取得資產競標權證 $720, 0 00元後，可立即參與資金競標機制的競標，其獲 取的應收標息可以彌補一部分的競標的標息成本。 [0067] 實施例三 黃君為A保險公司之保戶，張君則否，黃君及張君二人只 想藉由存款賺取利息，兩人皆無房屋貸款需求，亦不需 要其他融資，於是黃君及張君參與A保險公司之資金競標 097103701^^^^ Α〇1ϋ1 第24頁/共35頁 1013296670-0 1376639An: indicates the total awarded gold that can be obtained by the winner of the η period. U: indicates the amount of the meeting. Ν: indicates the total number of periods η: indicates the number of periods of capital bidding. In: indicates the amount of the nth period. [0054] If the bid is not obtained, the customer can earn interest according to the bid presented by the bidder; [0055] a fund management operation module (210): the module receives the claim settlement and settlement delivery module (212) The total amount of the borrower of the existing house that has been transferred is converted into investment assets and fund management. This module is responsible for calculating the profit and loss of fund management in real time, and regularly transmitting the net asset value to the server ( 204 ) and depositing the data. The library (213) is published through the customer interface (203); [0056] a bidding warrant operation and transaction module (211): used to generate asset bidding warrants and issuance of competitive bidding warrants, bidding warrants, The information on the transfer of bidding warrants and the bidding rights of the bidding rights is as follows: [0057] 1. Issuance of the bidding warrants and liabilities of the bidding warrants: After each bid opening, the unsuccessful bidders are paid to the sub-accounts of the joint account established by the system. The amount will calculate the asset value of the asset bidding warrants by this module; the amount that has been obtained by the bidder from the common account established by the system will be deleted by the module 037#. Page 20 / 35 pages 101329667 0-0 1376639 On August 3, 101, the revised replacement page obtained the liability bidding certificate and calculated the liability value of the liability bidding certificate; that is, the bidding warrant issued by the bidding warrant operation module can directly convert the member payment amount in the module. The calculation, conversion, notification and issuance of the competitive bidding certificate or liability bidding certificate, and through the server cooperate with financial institutions, investment institutions and other institutions with the ability to transfer warrants, to assist in the conversion, notification, and With the release. [0058] 2. Bidding Warrants Sale: When a member sells through this module, the member with the asset bidding warrant needs to input the minimum amount to be sold and the bidding period, while the member with the liability bidding warrant needs to input the desire. The maximum amount of the sale and the period of the sale, the module open the transferee (members or other users who have been qualified to bid) bid. When the transferee proposes the bid amount, the module is matched. When the period is closed, the winner of the bid is awarded, and the server bidding result is notified, and the amount of the bid is transferred and the warrant is transferred, and the database information is completed. Update. [0059] 3. Transfer of bidding warrants: The member wishing to transfer the warrant can use this module to assign the warrant to the particular assignee. This module provides network intermediation capabilities here. [0060] 4. The bidding license quality loan: The member can use the module to hold the bidding warrants online for the warrants, and the quality borrowing member must note the quality of the license on the server to complete the database update. [0061] - Claims and Settlement Delivery Module (212): The module receives the repayment insurance operation module (206), the transitional loan operation module (208), the capital bidding mechanism transaction module (209), and the fund management The operation module (210) and the message transmitted by the bidding warrant operation and transaction module (211) are carried out by Xie Lan ^ Single Number Hall 01 1013296670-0 Page 21 / Total 35 Page 1376639 101 Aug. 03 Page claims application, claims determination and settlement amount calculation, processing all cash receipts and payments related to the contingent asset insurance insurance certificate trading platform, such as collecting premiums, transitional mortgage interest, deposits paid by pure depositors who have not participated in the bidding, participation The bidding for all the deposits without the bidder, the disbursement of the transitional loan, and the repayment of the total amount of the mortgage loan to the transitional mortgage] The total amount of the borrower of the existing housing will be introduced into the fund management or the total bid will be won. Gold directly pays with such customers, repays future repayments after receiving the bid, refunds the balance of fund management, bids for issuing assets, bidding for liabilities, warrants, bidding warrants, and competition Warrants auction, bidding for sale of warrants, warrants bid by quality, payment clearing and settlement process steps of claims payments, etc., and the result is stored in the aforementioned database (212). [0062] The following is a description of specific embodiments: [0063] In the first embodiment, Lin Jun is a policy holder of the A insurance company. He will pay the mortgage financing to the A insurance company for his own house that has paid the mortgage, in order to obtain the bid. The amount, the self-finding of the investment target, in order to activate the backlog of funds in the real estate, to obtain investment income. [0064] In addition to the price of the property, A insurance company also included Lin Jun's policy into the scope of the price. A insurance company evaluates Lin Jun’s real estate market price of about $12,500,000. In order to be stable, A Insurance Company believes that Lin Jun can obtain a bid amount of $1,00,000 from the property, plus the cash value of the original policy. The bid amount of $5, 50, 000 is derived from $5, 000,000, and Lin Jun has a total bid of $15,00,00,00, but Lin Jun believes that the bid is more than necessary, so only $6 is used. The bid amount of 000,000 yuan. After that, Lin Jun handed over the house to A Insurance Company for mortgage. 037#单号A0101 Page 22/Total 35 Page 1013296670-0 1376639 On August 3, 101, according to the replacement page [0065] Lin Jun participated in the fund bidding mechanism with a bid amount of $6, 000, 000. In the first phase, each session will cost $50,000 and a ten-year fund bidding mechanism. In the first month, Lin Jun did not win the bid, and the current bidder’s bid is $5,000, so the deposit was $45,000. ($50, 000 - $5, 000 = $45, 000), from the 2nd month to the end of the 47th month, Lin Jun did not win the bid. Therefore, according to the standard of the winners at the time, deposits were made. At 48 months, Lin Jun won the bid of $4,700, for a total of $5,611,600 (($50,000 — $4,700) X (1 20 issues, 48 issues) + $50,000 X (48 issues 1 1) ) = $5,611,600 ), and because Lin Jun has realized the value of his deposit, Lin Jun obtained a bidding liability certificate of $3,600,000 (50,000 fathers 72 = $3,600,000) for the amount of liabilities required to repay the remaining period. . Since then, Lin Jun has fixed a repayment of 50,000 yuan per month. However, in the 60th period, Lin Jun decided to sell his liability bidding warrants through competitive bidding transactions. At this time, the value of his liability bid warrant is $3,000,000 ($3, 600,000 - ( 50,000x1 2 ) = $3, 000, 000 ), Lin Jun will carry out the online bidding or transfer of the liability warrants and sell them through the above-mentioned bidding warrants module, assuming that the last $2, 760, The transfer of 000 considerations to one member of other members is equivalent to participating in a five-year fund bidding mechanism and immediately winning the bid for member f, which can immediately obtain funds of $2,760,000, as long as member A repays on time, equivalent The standard rate of each period is only $4,000. For Lin Jun, it is equal to participating in a five-year fund bidding mechanism and realizing its standard interest income. [0066] Example 2〇9丽7(^单单号A〇101 Page 23/35 pages 1013296670-0 1376639 101年03月03日 Shuttle replacement page Xu Jun is a savings member, intended to deposit by platform Earning a higher interest rate, he participated in a fund bidding mechanism with a total of 20,000 yuan and a total of 260 yuan. Assuming that the fund bidding mechanism has been carried out until the sixth phase, the average standard of the first six weeks is $3. 000 yuan, in other words, the actual investment of the member is $612,000, the interest income from the dividend is $108,000, and the website issuance of the asset bidding warrant of $720,000. Later, Xu Jun decided to enter the auditorium early with his girlfriend. With temporary funding requirements, Xu Jun will hold the online bidding warrants for online auction and sell them through the above-mentioned bidding warrants module, assuming that the final transfer will be with a member of the other member B at a consideration of $655,200. In terms of Jun, the realization of a dividend yield of $43,200 is equivalent to participating in a six-phase fund bidding mechanism, with a coupon of $1,200 per issue, and the same for a winning member, member B. Profit, as long as payment is made A member of the company, $655,200, immediately obtained the asset bidding warrant of $720, 0G0, and the dividend receivable was $64,800, which was very profitable. Member C was the one who wanted to participate in the 17-year fund bidding. Mechanism and at the beginning, I want to participate in the bidding to obtain funds. If the member of the company wins the bidding certificate of Xu Jun, the member C will immediately obtain the asset bidding certificate of $720,000 as long as the payment of Xu Jun is $655,200. With interest of $64,800, the successful bidder can immediately participate in the bidding of the fund bidding mechanism after obtaining the asset bidding warrant of $720,00, and the acquired receivable interest rate can make up part of the bidding cost of the bidding. [0067] For example, Huang Jun is the policyholder of A Insurance Company. Zhang Jun does not. Huang Jun and Zhang Jun only want to earn interest through deposits. Both of them have no housing loan demand and no other financing is required. So Huang Jun and Zhang Jun participates in the insurance company's fund bid 097103701^^^^ Α〇1ϋ1 page 24/total 35 pages 1013296670-0 1376639
月03日修正替換頁I 機制進行存款，不參加競標，成為純粹儲蓄者。 [0068]黃君參與每月一期、每期會金$1〇, 000元、為期十年之 資金競標機制進行存款’第i期時，得標者所出之標金為 $1，500 元，黃君存入$8,500 元（$1〇 〇〇〇 一 $15〇〇 = $8, 500)，該筆存款於第120期時，成為本利和 $1 0, 000元；第2期時，得標者所出之標金為$14〇〇元， 黃君存入 $8,600 元（$10,000 — $14〇〇 =$86〇〇)， 該筆存款，於第120期時，成為本利和$1〇〇〇〇元；第3 期至第35期’黃君皆以此方式進行存款；㈣期時黃 君領回他在平台累積之存款及利息共$1，200, 〇〇〇元 ($1 0, 000 xl20期=$1，2〇〇, 〇〇〇)。 [00693張君參與每月一期、每期會金$50, 〇〇〇元、為期十五年 t資金競標機制進行存款，第丨期時，得標者所出之標金 為$6,000元，張君存入$44,〇〇〇元（$5〇,〇〇〇 — $6, 0 00 =$44, 〇〇〇) ’該筆存款於第丨8〇期時，成為本〉 利和$50, 000元；第2期時，得標者所出之標金為 $4，100元，張君存入$45 9〇〇元（$5〇,〇〇〇-$41〇〇 = $45’ 900)，該筆存款於第〗2〇期時，成為本利和 $50, 000元；第3期至第120期，張君皆以此方式進行存 ' 款；第12G期時’張君領回他在平台累積之存款及利息共 $9,0〇〇,〇〇〇元（$5〇〇〇〇)<18〇期=$9,〇〇〇,〇〇〇)。 剛張君於前狀資錢標卿㈣結束後，覺得獲利頗豐 ，於是決定將已付清房貸之自有住宅做為A保險公司之抵 押品，以獲得競標額度，參與資金競標機制之競標，以 活化房產所積壓之資金，獲取投資收益。 09710370^^'^^ A0101 第 25 !/ 共 35 頁 1013296670-0 1376639 [0071] 101年08月03日修正替换頁 A保險公司對張君之房產進行鑑價，評估張君的房產市價 約$1 5, 000, 000元，A保險公司因此授與張君競標額度 $9, 000, 000元，之後，由於張君並非A保險公司之保戶 ，A保險公司詢問張君是否購買保單，張君認為不需要， 因此略過保單購買流程，直接進入資金競標機制。 [0072] 張君衡量手中每個月之間置現金只足夠繳付每期$70, 000 元之會金，於是決定只動用$4, 000, 000元之競標額度， 參與每月一期、每期會金$70,000元、為期五年之資金 競標機制，第1個月時，張君並未得標，而當期得標者之 標金為$6, 500元，因此繳交存款$63, 500元（ $70，000 - $6, 500 = $63, 500 )，自第 2 個月至第 5 0個月結束，張君皆未得標，因此，依各期當時得標者 之標金進行存款，在第51個月時，張君以$4,670元之 標金得標，共取得$4, 087, 970元（（$70, 000 — « $4, 670 ) X (60期一51期）+ $70, 000 X (51 期一1 期）=$4,087,970 )，張君決定將該得標金交由A保 險公司進行資金管理。 [0073] 自第52個月起，張君每個月繳交$70, 000元之還款給與 A保險公司，至第60個月結束時完成所有還款，張君向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。 [0074] 實施例四 王君並非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，A保險公司進行房屋鑑價後，願 意承接王君未還清之房貸餘額$3, 200, 000元，於是核定 097酬产單编號A〇101 第26頁/共35頁 1013296670-0 1376639 101年08月03日核正替換頁 一貸款額度（即參與資金競標機制之競標額度）給與王 君，王君同意接受該額度後，依據A保險公司房貸客戶的 要求，王君必需選擇購買還款保險，以確保王君之房屋 所有權以及增強保險公司之債權保障；王君完成壽險保 單之購買後，A保險公司將王君之房屋設定抵押，並賦與 王君一過渡性貸款$3, 000, 000元以償還原房貸，之後， 王君以A保險公司所賦與之競標額度$3, 600, 000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，於該競標組合 人數額滿後即開始競標，自第1個月至第110個月結束， 王君皆未得標，因此每月根據當期得標者之標金繳交存 款；第111個月時，王君以$1，36 0元之標金得標，取得 總得標金$3,486，160元（（$20,000 — $1，360 )父 (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，王君領取剩餘之 總得標金$200, 000元，並取得其剩餘期數所需償付之負 債金額之競標負債權證$1，380,000元（ 20,000x 69 = $1, 380, 000 )。此後王君固定還款每個月$20, 000 元，然而，到了第175期，王君決定透過競標權證交易來 出售其負債競標權證，此時其負債競標權證價值為 $1 00,000 元（$1，380,000 - ( 20,000x64 )= $1 00,000 )，王君將持有的負債競標權證進行線上標售 或轉讓，並透過前述競標權證作業及交易模組進行標售 ，假設最後以$97, 000代價轉讓與其他會員一會員丙，對 於會員丙而言，等於參加一個為期半年的資金競標機制 並立即得標，可立即取得資金$97, 000，只要會員丙按時 09710370^^'^^ A〇101 ^ 27 1 / ^ 35 1 1013296670-0 1376639 ___ 101年08月03日梭正替換頁 還款，等同各期標息僅有$500，對於王君而言，一樣等 於是參加一個十四年半的資金競標機制並實現其標息收 益。 [0075] 總結上述，本發明有以下優點： [0076] 1.本發明創造一個儲蓄購屋平台，讓將來想買房子的存 款人、現在正要買房子的借款人以及想應用現有的房子 投資套利的儲蓄者利用直接金融的存借一體方式讓將來 想買房子的人，可依據自己的購屋計畫選擇先在平台存 款，已有房屋者亦可轉貸參與平台，現在正要買房子的 人，則可上場競標，取得並進行儲蓄套利；房貸保戶進 入平台競標取得購屋資金，得標後每期以一固定金額「 一價到底」的償還房貸，可免除房貸客戶的利率風險。 [0077] 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。 [0078] 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。房資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。 [0079] 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。 [0080] 5.本發明建物的房屋貸款平台，可擴大保險業務範圍， Μ71()37()^單编號A0101 第28頁/共35頁 1013296670-0 1376639 101年.08月03日修正替换頁 並促進保險客戶的忠誠度。 [0081] 6.本發明使得標者與未得標者取得資產競標權證或負債 競標權證，以進行競標權證交易，持有人可持該競標權 證在平台進行競標權證標售、競標權證轉讓及競標權證 質借以取得資金，使具有不同目的的存款者、購屋者及 投資者，得以靈活運用手上之資產及負債進行財富創造 及管理。 。 [0082] 7.本發明建構的保險平台，其資訊的對稱性和互動性反 映網路時代的金融產品特性，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】 [0083] 圖一係一本發明之實施方式流程圖。 圖二係一本發明之或有資產購屋保險權證交易平台建置 之系統圖。 【主要元件符號說明】 [0084] 客戶 2 01 或有資產購屋保險權證交易平台建置系統 202 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 過渡性資款作業模組 208 資金競標機制交易模組 209 資金管理作業模組 210 爾#單編號紐01 第29頁/共35頁 1013296670-0 1376639 101年08月03日梭正替换百 競標權證作業模組 211 理賠及結算交割模組 212 資料庫 213 097酬产單编號綱01 第30頁/共35頁 1013296670-0On March 03, the replacement page I mechanism was amended to deposit, and no bidding was made, becoming a pure saver. [0068] When Huang Jun participates in the monthly issue, the monthly payment of $1, 000, and the ten-year fund bidding mechanism for the deposit of the 'i period, the winner's standard is $1,500. Huang Jun deposited $8,500 ($1〇〇〇〇1$15〇〇=$8,500). The deposit became the principal and $1,000 in the 120th period. In the second period, the winner was awarded the standard. Gold is $14 thousand, and Huang Jun deposits $8,600 ($10,000 — $14〇〇=$86〇〇). The deposit, in the 120th period, became the principal and $1 billion; Phases 3 to 35 'Huang Jun is making deposits in this way; (4) Huang Jun receives his deposits and interest accumulated on the platform for a total of $1,200, 〇〇〇元 ($1 0, 000 xl20 issues = $1,2 〇〇, 〇〇 〇). [00693 Zhang Jun participates in the monthly issue, each session will be $50, and the ten-year t-finance bidding mechanism will be used for deposits. In the third period, the winner will receive a prize of $6,000. Zhang Juncun $44, 〇〇〇元($5〇, 〇〇〇—$6, 0 00 =$44, 〇〇〇) 'This deposit became the sum of $500,000 during the 8th week of the deposit; 2nd issue At the time of the second semester, the winning bidder was paid $4,100 and Zhang Jun was deposited in $45 9 ($5〇, 〇〇〇-$41〇〇= $45' 900). , became the profit and $50,000; from the third to the 120th, Zhang Jun saved the money in this way; in the 12G period, Zhang Jun received his deposit and interest accumulated on the platform for a total of $9,0〇 〇, 〇〇〇元 ($5〇〇〇〇)<18〇期=$9,〇〇〇,〇〇〇). Just after Zhang Jun’s former capitalist Bianqing (4) ended, he felt that he was profitable. He decided to use the self-owned house that had already paid the mortgage as the collateral of the A insurance company to obtain the bidding quota and participate in the fund bidding mechanism. Bidding to revitalize the backlog of real estate and obtain investment income. 09710370^^'^^ A0101 25th!/ Total 35 pages 1013296670-0 1376639 [0071] On August 3, 101, the revised replacement page A insurance company appraised Zhang Jun's property and assessed Zhang Jun's real estate market price of about $1 5, 000,000 yuan, A insurance company awarded Zhang Jun a bid of $9, 000,000. Later, since Zhang Jun was not a policyholder of A Insurance Company, A Insurance Company asked Zhang Jun whether to purchase a policy. Zhang Jun did not think it was necessary. Therefore, skip the policy purchase process and directly enter the fund bidding mechanism. [0072] Zhang Jun measured that each month's cash was only enough to pay a sum of $70,000 per session, so he decided to use only the bidding amount of $4, 000,000, and participate in the monthly and monthly issues. The meeting will be funded by a five-year fund bidding mechanism. In the first month, Zhang Jun did not win the bid, and the current bidder’s bid was $6,500, so the deposit was paid $63,500 ( $70,000 - $6, 500 = $63, 500), from the 2nd month to the end of the 50th month, Zhang Jun did not win the bid, therefore, according to the standard of the winners at the time of the deposit, in the first At 51 months, Zhang Jun won the bid with a prize of $4,670 for a total of $4,087,970 ($70,000 — « $4, 670 ) X (60 issues 1 51) + $70, 000 X (51 Phase 1)) = $4,087,970), Zhang Jun decided to hand over the winnings to A Insurance Company for fund management. [0073] Since the 52nd month, Zhang Jun paid a repayment of $70,000 per month to A Insurance Company, and completed all repayments by the end of the 60th month. Zhang Jun returned to A Insurance Company. All funds previously managed by A Insurance Company for fund management and their investment remuneration. [0074] In the fourth embodiment, Wang Jun is not the insurance policy of the A insurance company. He transfers the mortgage loan originally handled by Bank B to the A insurance company. After the insurance company conducts the house price assessment, it is willing to accept the mortgage that Wang Jun has not paid off. The balance is $3,200,000, so the approved 097 remuneration order number A〇101 Page 26/35 pages 1013296670-0 1376639 On August 3, 101, the nuclear replacement page 1 loan quota (ie participation in the capital bidding mechanism) After bidding with Wang Jun, Wang Jun agreed to accept the quota, according to the requirements of A insurance company mortgage customers, Wang Jun must choose to purchase repayment insurance to ensure Wang Jun’s house ownership and enhance the insurance company’s claims protection; Wang Jun completed After the purchase of the life insurance policy, the A insurance company mortgaged Wang Jun’s house and gave Wang Junyi a transitional loan of $3,000,000 to repay the mortgage. After that, Wang Jun awarded the bid with the A insurance company for $3. , 600,000 yuan to participate in the mutual aid fund bidding mechanism, enter the monthly phase, each phase of the unit payment of $ 20,000, the 15-year fund bidding combination, after the bid combination is full The bidding, from the first month to the end of the 110th month, Wang Jun did not win the bid, so the monthly deposit according to the current bidder's standard deposit; in the 111th month, Wang Jun to $1,36 0 The standard gold medal won the bid, and the total winning bid was $3,486,160 (($20,000 — $1,360) father (180 period one 111 period) + $20,000 X (1 1 1 period one 1 period) = $3, 486, 1 60 After repaying the transitional loan, Wang Jun received the remaining total bid of $200,000 and obtained the bidding liability certificate for the remaining amount of the remaining period of the amount of the liability of $1,380,000 (20,000x 69 = $1, 380) , 000). Since then, Wang Jun has fixed a repayment of $20,000 per month. However, in the 175th period, Wang Jun decided to sell his liability bidding warrants through competitive bidding transactions. At this time, the value of his liability bid warrant was $1,00,000 ($1,380,000). - ( 20,000x64 ) = $1 00,000 ), Wang Jun will carry out the online bidding or transfer of the liability bidding warrants, and carry out the bidding through the above-mentioned bidding warrants operation and trading module, assuming the final transfer of $97,000 and other For member C, for member C, it is equal to participate in a six-month fund bidding mechanism and immediately win the bid, and immediately obtain funds of $97, 000, as long as member C is on time 09710370^^'^^ A〇101 ^ 27 1 / ^ 35 1 1013296670-0 1376639 ___ On August 3, 101, Shuttle is replacing the page repayment, which is equivalent to only $500 for each period. For Wang Jun, the same is equal to a 14-and-a-half-year fund bidding mechanism. And achieve its standard income. [0075] Summarizing the above, the present invention has the following advantages: 1. The present invention creates a deposit-purchase platform for depositors who want to buy a house in the future, a borrower who is now buying a house, and an arbitrage that wants to apply an existing house investment. The savers use the direct financial lending and lending method to allow those who want to buy a house in the future to choose to deposit on the platform according to their own house purchase plan. The existing houses can also be transferred to the platform, and those who are now buying a house are Can bid on the market, obtain and carry out savings arbitrage; mortgage insurers enter the platform to bid for the purchase of housing funds, after the standard, a fixed amount of "one price in the end" to repay the mortgage, can be exempted from the interest rate risk of the mortgage customers. [0077] 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. [0078] 3. The insurance platform of the present invention collects mortgage funds by means of member deposit and lending. The housing 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 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. [0079] 4. The purpose of the present invention is to provide a repayment condition for the mortgage member to customize, and members can continuously bid to obtain a better repayment rate than the market conditions. [0080] 5. The housing loan platform of the building of the present invention can expand the scope of insurance business, Μ71()37()^单单号A0101第28页/共35页1013296670-0 1376639 101年.08月03日修正Replacement Pages and promote the loyalty of insurance customers. [0081] 6. The invention enables the bidder and the unsuccessful bidder to obtain the bidding warrant or the liability bidding certificate of the asset for the bidding warrant transaction, and the holder can hold the bidding warrant on the platform for bidding and bidding, bidding and bidding. The bidding rights are used to obtain funds, so that depositors, homebuyers and investors with different purposes can flexibly use their assets and liabilities for wealth creation and management. . [0082] 7. The insurance platform constructed by the present invention, the symmetry and interaction of the information reflects the characteristics of the financial products in the network era, which makes the insurance products tilt to the banking field, increases cash flow, and expands the niche. BRIEF DESCRIPTION OF THE DRAWINGS [0083] FIG. 1 is a flow chart of an embodiment of the present invention. Figure 2 is a system diagram of the construction of a tradable asset insurance trading platform for the invention. [Key component symbol description] [0084] Customer 2 01 Ownership Insurance Warrants Trading Platform Construction System 202 Customer Use Interface 203 Server 204 Collateral and Policy Valuation Module 205 Repayment Insurance Operation Module 206 Mortgage and Quality Borrowing Setting Module 207 Transitional Funding Operating Module 208 Funding Bidding Mechanism Trading Module 209 Fund Management Operating Module 210 尔#单编号纽01 Page 29/Total 35 Page 1013296670-0 1376639 101 Aug. 03 Is replacing the 100-score warrants operation module 211 Claims and settlement delivery module 212 Database 213 097 Remuneration orders No. 01 Page 30 / Total 35 pages 1013296670-0