TWI483206B - Mutual loan insurance method and computer program product thereof - Google Patents

Description

Mutual aid loan insurance method and computer program product

The invention belongs to the field of financial e-commerce, in particular to a mutual loan insurance method and a computer program product applied to the Internet.

Traditionally, various insurances have been used as a way of sharing risks, and they have played a mutual rescue role in the event of an emergency or damage. The "Law of Large Numbers" on which insurance operations are based must be based on "same risks". Insurers are only allowed to obtain the same insurance benefits and conditions when they have the same probability of insurance. Therefore, insurance companies of commercial insurance often risk their policyholders. Based on objective conditions and statistical probability, the insurance premiums will be developed accordingly, such as health insurance or life insurance, according to age, or increase in premiums due to their medical history. This graded premium is also the place where the insurance company mainly attracts customers, that is, it charges higher insurance premiums to high-risk people and lower insurance premiums to low-risk individuals.

In the current market, housing or other real estate loans, in addition to increasing personal expenses due to liabilities, are also risks. When the borrower dies, if the bereaved family is unable to repay the mortgage, the house will eventually be auctioned by the bank or sold by itself. It has caused many family business difficulties for the bereaved family. At present, banks mostly cooperate with life insurance companies through insurance agents. However, the premiums for mortgage life insurance are mostly paid. Under the principle of risk sharing of the above-mentioned large rules of commercial insurance, the premiums are relatively high, with 40-year-old men borrowing 5 million. For example, a 20-year mortgage is about 370,000 yuan. This cost is a heavy burden for the average middle class.

If we can return to the spirit of risk sharing, we will share the risk in a mutual aid model, with reasonable calculation and funding of premiums. The effectiveness of the disclosure to reduce friction, while obtaining considerable protection, can also significantly reduce the cost of premiums, which has become a problem that people who are interested in mutual insurance in this field are expected to solve.

For the sake of his post, the inventor has carefully tested and researched and has a perseverance in mind, and finally conceived the "mutual aid loan insurance method" in this case. The following is a brief description of the case.

One of the objects of the present invention is to solve the problems of the prior art.

Another object of the present invention is to provide a fair and efficient loan mutual insurance method, which determines the amount of insurance to be insured by the amount of the loan of the policyholder, and the ratio of the amount of the insurance to the total amount of the insurance insured, and decides that each period is reasonable. Premium sharing.

According to the concept of the present invention, a mutual insurance processing method is proposed, which is achieved by a management server, the method comprising: (A) causing the management server to store a mutual aid data of a mutual insurance portfolio, the mutual insurance portfolio comprising For a plurality of members, the mutual assistance information includes an exclusion period Ts, a risk condition, and an insured amount V for each member, wherein the exclusion period Ts is a specific time for the member to join the mutual insurance portfolio; (B) the management server calculates a total amount of V _all members of the _insured, the total amount insured V _all members for mutual insurance amount V of the sum of all the members of the insurance portfolio; (C) enabling the management server determines whether a member satisfies the The risk condition is that if the insurance condition is met, it is an insurance member, and the member who does not meet the risk condition is an uninsurance member; (D) the management server according to the current period, all the insurance members of the insurance amount V and each Chuxian not insured for the respective members of V _i, determining the current period is not a member of the dangerous condition of the premium amount I _i, where I _i of the current period is the amount of premium is determined as follows: Ii = V _Sum *[V _j /(V _all -V _sum )]............(f2)

Where V _sum is the _sum of the insured amount V of all the insurance members in the current period, V _i is the insured amount of the uninsurance member itself, V _{all is} the insured amount of the total member; and (E) the management server generates A fee message for the uninsurer member to pay the current premium.

More preferably, the mutual insurance insurance processing method further includes the following steps: (F) causing the management server to determine whether the risk member has exceeded the exclusion period T _{s in the} current period, and if so, the management server is A first payment message is generated for paying an insurance premium P _i , wherein the amount of the insurance premium P _i is the insured amount V of the insurance member.

More preferably, the mutual insurance insurance processing method further includes the following steps: (G) if the management server determines that the risk member has not reached the exclusion period Ts, the management server generates a second The payment message is used to pay a compensation Pb, wherein the amount of the compensation Pb is determined based on the sum of all the premiums paid by the insurance member to the date of the insurance.

More preferably, the insured amount V is determined according to the loan amount of one of the members, and the insurance premium is preferentially paid to one of the creditors of the member loan.

More preferably, as described above, the mutual insurance processing method, wherein the step (A) further comprises causing the management server to update the insured amount according to the change of the loan amount.

More preferably, as described above, the mutual insurance processing method, wherein the risk condition is the death of the member, and the insured amount V is a real estate mortgage loan amount of the member.

According to the concept of the present invention, another mutual insurance processing method is proposed, which is achieved by a processing device, the method comprising the steps of: (A) causing the processing device to store a mutual aid data of a mutual insurance portfolio, the mutual insurance portfolio comprising For a plurality of members, the mutual aid information includes a risk condition and an insured amount V of the member; (B) the processing device calculates a total member insured amount _Vall , and the total member insured amount Vall is _{all in} the mutual insurance portfolio The sum of the insured amount V of the member; (C) causing the processing device to judge that the member satisfying the risk condition is an insurance member, the member who does not satisfy the risk condition is an uninsurance member, and calculating the mutual insurance portfolio in a specific The number of the out-of-risk member M during the session; (D) cause the processing device to generate a payment message for paying an insurance premium P, wherein the amount of the insurance premium is the insured amount V of the insurance member; (E) enabling the processing means calculates the sum insured amount V V _sUM of all members of the dangerous condition of the current period; calculating the processing means (F) so that each member does not get out of danger of the premium amount profit I _i, which The amount of the premium Ii current period is determined as _{follows: Ii = V sum * [V} i / V all] ............ (f1), where V _i that are not members of the insured amount itself dangerous condition; and (G) enabling the The processing device generates a charging message for the uninsurance member to pay a current premium.

More preferably, the insured amount V is determined according to the loan amount of one of the members, and the insurance premium is preferentially paid to one of the creditors of the member loan.

More preferably, the risk condition is that the member dies, and the insured amount V is the amount of the real estate mortgage loan of the member.

In accordance with the teachings of the present invention, a computer program product for storing a program for a mutual insurance method is provided. When a processing device loads and executes the program, the steps as described above can be performed.

The invention will be more fully understood from the following examples and illustrations.

The content of the present invention will be explained below by way of embodiments, and embodiments of the present invention are not used. To limit the invention, it must be implemented in any particular environment, application or special manner as described in the embodiments. Therefore, the description of the embodiments is merely illustrative of the invention and is not intended to limit the invention. It should be noted that in the following embodiments and drawings, elements that are not directly related to the present invention have been omitted and are not shown, and the dimensional relationships between the elements in the drawings are merely for ease of understanding and are not intended to limit the actual ratio.

Please refer to FIG. 1 , which is a schematic flowchart of a first embodiment of a loan mutual insurance method according to the present invention. In FIG. 1, a mutual insurance portfolio data is received or stored via a mutual insurance system having a management server (step 201), the mutual insurance portfolio is composed of a plurality of mutual assistance members, and the information includes members of the mutual assistance group. List and number of people N, set risk conditions, each member's insurance amount V, and exclusion period Ts. The exclusion period Ts refers to a specific time from the member joining the mutual insurance portfolio, for example, one year or two years; the member's insurance amount V is based on the loan or debt amount applied by the member or the member creditor. And the decision (step 202), such as real estate mortgage loans such as mortgages, business loans, etc., the insured amount V may be a specific proportion of the loan amount or the loan amount. The risk condition is the death of a member, a major illness, or damage to a specific property, plant, vehicle or equipment. Thereafter, the system calculates the total member insured amount Vall, that is, the sum of the insured amounts of all members (step 203).

Thereafter, in each session, the management server receives the rewards of the members, and judges whether the member is in danger (step 204). If the member who meets the risk condition is an insurance member, the member who does not satisfy the risk condition is uninsurable. member.

Thereafter, the management server device determines the current premium amount Ii of the one of the uninsurance members according to the insured amount V of all the insurance members in the current period and the respective insured amount V _i of each of the uninsurance members (step 211). The current premium amount Ii is determined according to one of the following formulas (f1) or (f2): Ii=V _sum *[V _i /V _all ]...(f1); Ii=V _sum *[V _i /( V _all -V _sum )]...(f2); In the above formula, V _sum is the _sum of the insured amount V of all the insurance members in the current period, and V _i is the insured amount of the uninsurance member itself, V _all Insured amount for this general member.

Thereafter, the management server generates a charging message for notifying the uninsurer member of the payment of the current premium (step 212).

For the member who has already taken out the risk, the management server determines whether the time of the insurance has exceeded the preset exclusion period Ts (step 221), and if so, the management server generates a first payment message for paying the insurance premium Pi (step 225). The amount of the insurance premium Pi is the insured amount V of the insurance member. If the time of the insurance member does not reach the exclusion period Ts, the management server generates a second payment message for paying a compensation Pb (step 223), the amount of the compensation Pb may be based on the risk member The sum of all the premiums paid on the date of the insurance, for example, may be the sum of all premiums paid by the insurance member, or the sum plus an agreed profit. Among them, the insurance premium Pi and the compensation premium Pb are used to preferentially repay the creditor of the member's loan or debt, such as a bank.

More preferably, since the member's loan is gradually reduced due to the member's repayment, the management server may update the member's loan amount according to the member or the member creditor's return message, so that the premium for each period may be Decrease.

The above system may be a computer readable medium loaded with a program, or a computer program product for storing a related program, and when the computer or processing device loads and executes the program, the loan mutual insurance of the present invention may be implemented. method. Here are a few specific detailed examples. Mingzhi.

Xiao Ming bought a house in the suburbs of Taipei in October 1999. The total price of the house was 8 million, and Xiao Ming provided 3 million yuan. He used the house as a mortgage to apply for a mortgage of 5 million to Bank A. In addition, Xiaohua purchased a small storefront business in downtown Taipei in January 1998 for a total price of 15 million. He used the store as a collateral to apply for a 10 million mortgage loan from Bank A. In order to avoid difficulties in loan recovery caused by accidental deaths during the settlement period, Bank A requires the lender to insure a mortgage insurance.

Both Xiao Ming and Xiao Hua have applied to join the loan mutual insurance platform of the invention, and selected a mutual insurance portfolio in the platform. The combination is one month each month, and the member joins the mutual insurance portfolio for 2 years except during the period. The risk condition is the death of the member, and the insured amount of Xiao Ming and Xiao Hua is the amount of the mortgage loan. When the session lasts until June of 100, the server calculates that the total amount of the insured amount V of all members in the mutual insurance portfolio is 40 billion yuan, that is, the total member insured amount Vall is 40 billion yuan, and the platform receives two The death message of a member, that is, the death of two members, that is, the member who is an insurance member, the insured amount of the insurance member is 4 million and 8 million respectively, so the sum of the insured amount V and the sum of all the members of the current insurance period = 4 million + 8 million = 12 million, the server determines the current premium amount Ii of the uninsurance member based on the sum of the insured amount of the insurance member Vsum and the respective insured amount V _j of each uninsurance member. It can be determined according to one of the following formulas (f1) or (f2): Ii=V _sum *[V _i /V _all ]...(f1);Ii=V _sum *[V _i /(V _all -V _sum )].........(f2); wherein: V _sum is the _sum of the insured amount V of all the insurance members in the current period, V _i is the insured amount of the uninsurance member itself, and V _{all is} the insured amount of the total member; If according to (f1) formula, in the current period 100 Xiaoming June premiums payable I ₁ of the current period _{is: I 1 = 12,000,000 * [5,000,000} / 40,000,000,000] = 1 500; Xiaohua premiums payable to I ₂ in the current period of June _{100: I 2 = 12,000,000 * [10,000,000} / 40,000,000,000] = 3000 dollars.

If according to (f2) formula, in the current period 100 Xiaoming June premiums payable I ₁ of the current period _{is: I 1 = 12,000,000 * [5,000,000} / (40,000,000,000-5,000,000)] = 1500.2 ( Rounds 1501 dollars); Xiaohua 100 in the current period of June premiums payable I _{2 as: I 2 = 12,000,000 * [10,000,000} / (40,000,000,000-10,000,000)] = 3000.8 ( Rounds 3001 dollars); and generating a payment message server thereafter, It is used to notify Xiao Ming and Xiao Hua, and other uninsured members to pay the current premium.

However, unfortunately, in July of the 100th year, both Xiao Ming and Xiao Hua died due to traffic accidents. When the server received the news of Xiao Ming and Xiao Hua, it was judged whether the time of the insurance had exceeded the exclusion period of 2 years. Among them, Xiao Ming joined the mutual insurance portfolio in January of 100, and only 6 months after the end of July, 100 years, did not reach the threshold of the previous two-year exclusion period, and Xiaohua joined the company from January 1998 to July 100. For the period of more than 2 years, Xiaohua can obtain a full payment of insurance, that is, Xiaohua joins the mutual insurance portfolio with an insurance amount of 10 million, and Xiao Ming can only obtain one compensation. The amount of the compensation Pb is According to the sum of all the premiums paid by the insurance member to the date of the insurance The default is the sum of all premiums paid by the out-of-pocket member to the date of the insurance plus an announcement deposit rate (assumed to be 3%), assuming that Xiaoming has joined the insurance in January of 100. If the premium paid is 9,000 yuan, the compensation that Xiao Ming can obtain is 9000*(1+0.03)=9,270 yuan.

Thereafter, the server generates a insurance payment message and a compensation payment message, and preferentially repays the insurance and compensation funds to the mortgage loans of Xiaohua and Xiaoming, and the balance is handed over to the beneficiary designated by the insurance member. Since Xiaohua was insured in January 1998, he has already repaid 1 million loans, so his total loan to Bank A is only 9 million. Therefore, the platform will hand over 9 million of the insurance 10 million to Xiaohua. The bank, and the remaining one million is handed over to the beneficiary designated by Xiaohua, that is, his family. At this time, Xiaohua’s housing loan has been settled, the mortgage is terminated, and the family members do not need to bear heavy mortgages, so there is no need to worry about the house being auctioned. The living space and quality of life of the bereaved family can be fully guaranteed.

However, due to Xiaoming's entry into the platform for less than two years, he only had to obtain compensation of 9,270 yuan, plus 300,000 yuan before the insurance, and there were still 4.7 million loans. At this time, the platform can also repay this compensation to Xiaoming. At the time of the loan, the loan was still 460,730 yuan, and the bereaved family still needs to repay the loan bank.

More preferably, since the member's loan is gradually reduced due to the member's repayment, the management server may update the member's loan amount and the insured amount in each period according to the member or the credit bank's return message, according to (f1) Or (f2), when the member's own insured amount Vi is reduced, the premiums Ii payable for each period are also reduced, which is more in line with the cost rationalization spirit of the insurance response risk.

To sum up, the loan mutual insurance treatment method of the present invention introduces the concept of mutual insurance and premium grading into the loan life insurance through the setting of the server, so as to avoid the member who is detained for the sake of death, and the mortgage loan The risk of bad debts. Mutual aid members can pay reasonable premiums in their mutual aid portfolio according to their mortgage loan amount, which is more in line with the risk-sharing insurance principle than the current commercial insurance. At the same time, through the instant delivery of the server and the network, the relevant fees can be disclosed immediately. The message and the basis for all mutual aid members, truly achieve a fair, open and efficient mutual insurance spirit.

In addition, with the setting of the exclusion period, speculative insurance can be avoided, and the fairness of the mutual aid combination can be increased, the unfair expenditure of the general members in the portfolio can be reduced, and the spirit of "risk sharing, emergency and mutual assistance" can be truly realized. Under the mutual assistance mechanism. It also enjoys the advantages of tiered premiums, so that the "mutual help" of the good nature of human nature is more advantageous in the general insurance environment where benefits are now sought. It can be expected that this new type of mutual assistance will inevitably attract more ethnic groups and expand the benefits of mutual assistance.

Summarizing the above, the loan mutual insurance treatment method of the present invention allows the insured person to adjust his or her own premium according to the actual operating conditions of the current health condition or the factory equipment and other insurance facilities, so that the amount of the premium is honestly reflected. The self-risk value achieves the enthusiasm of risk control and greatly reduces the incidence of speculative insurance. At the same time, the system can also reduce the risk of risk assessment and reduce the cost of risk assessment. It also meets the current mode of operation of the Internet, reducing business and administrative costs, and substantially improving the transparency and operational efficiency of the mutual insurance portfolio. Greatly improve the fairness and impartiality of premiums in the mutual insurance portfolio, and effectively overcome the shortcomings of the prior art.

The embodiments described above are only intended to illustrate the embodiments of the present invention, and to explain the technical features of the present invention, and are not intended to limit the scope of protection of the present invention. Any changes or equivalents that can be easily made by those skilled in the art are within the scope of the invention. The scope of the invention should be determined by the scope of the claims.

BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a flow chart showing the first embodiment of the mutual assist insurance method of the present invention.

Claims (10)

A mutual assistance insurance processing method is achieved by a management server, the method comprising the steps of: (A) causing the management server to store a mutual aid data of a mutual insurance portfolio, the mutual insurance portfolio comprising a plurality of members, The mutual aid information includes a risk condition and an insured amount V for each member; (B) the management server calculates a total member insured amount _Vall , and the total member insured amount _{Vall is} the member of the mutual insurance portfolio. (C) Let the management server determine whether a member meets the risk condition, if the risk condition is met, it is an insurance member, and the member who does not meet the risk condition is an uninsurance member; (D) The management server determines the current premium amount I _{i of} the uninsurance member according to the insured amount V of all the out-of-pocket members in the current period and the respective insured amount V _i of each uninsurance member, wherein the current premium amount I _i is determined by the following formula: Ii = V _sum * [V _j / (V _all - V _sum )] (f2) where V _sum is the _sum of the insured amount V of all the insurance members in the current period, V _i is the unrisked Membership itself of the insured amount, V _all members of the total insured amount; and (E) so that the management server generates a payment message for the members of the non-payment of the dangerous condition of the current premium. Method according to Claim 1 of the patent, more comprising the steps of: (F) enabling the management server determines that the current period of the dangerous condition of the members of the dangerous condition if a time period has exceeded except T _s, and if yes, enabling the management server generates A first payment message is used to pay an insurance premium P _i , wherein the amount of the insurance premium P _i is the insurance premium V of the insurance member, and the exclusion period Ts is a specific time for the member to join the mutual insurance portfolio. For example, the method of claim 2 includes the following steps: (G) if the management server determines that the risk member has not reached the exclusion period Ts in the current period, the management server generates a second payment. The message is used to pay a compensation Pb, wherein the amount of the compensation Pb is determined based on the sum of all the premiums paid by the insurance member to the date of the insurance. For example, the method of claim 2, wherein the insured amount V is determined according to the loan amount of the member, and the insurance premium is preferentially paid to a creditor of the member loan. The method of claim 4, wherein the step (A) further comprises causing the management server to update the insured amount according to the change of the loan amount. For example, in the method of claim 1, wherein the risk condition is that the member dies, and the insured amount V is the amount of the real estate mortgage loan of the member. A mutual aid insurance processing method is achieved by a processing device, the method comprising the steps of: (A) causing the processing device to store a mutual aid data of a mutual insurance portfolio, the mutual insurance portfolio comprising a plurality of members, the mutual aid data Including a risk condition and one of the member's insured amount V; (B) causing the processing device to calculate a total member insured amount V _all , the total member insured amount V _{all is} the insured amount of all members of the mutual insurance portfolio V (C) causing the processing device to determine that the member satisfying the risk condition is an insurance member, the member who does not satisfy the risk condition is an uninsurance member, and calculating the mutual insurance member for the one of the insurance members in a specific session. (D) causing the processing device to generate a payment message for paying an insurance premium P, wherein the amount of the insurance premium is the insured amount V of the insurance member; (E) causing the processing device to calculate the current period All members of the dangerous condition of the insured amount of V and V _sUM; calculating the processing means (F) so that each member does not get out of danger of the premium amount profit I _i, wherein the current period is the amount of the premium Ii _{Decision: Ii = V sum * [V} i / V all] ............ (f1), where V _i that are not members of the insured amount itself dangerous condition; and (G) enabling the processing means generates a payment message, with In order to make the uninsurance member pay a current premium. For example, in the method of claim 7, wherein the insured amount V is determined according to the loan amount of the member, and the insurance premium is preferentially paid to a creditor of the member loan. For example, in the method of claim 7, wherein the risk condition is that the member dies, and the insured amount V is the amount of the real estate mortgage loan of the member. A computer program product for storing a program for a mutual insurance method. When a processing device loads and executes the program, the steps described in claim 1 or 7 can be performed.