TWI581201B - Mutual insurance method and system thereof - Google Patents

Description

Mutual insurance system and method

The invention belongs to the field of financial e-commerce, and in particular to a mutual aid insurance method and system applied to the network.

The development of the insurance industry has gradually evolved from the original mutual insurance to commercial insurance. The initial mutual insurance is not based on the law of large numbers, but is a regional, niche organization that mutually agrees on the insurance mechanism for payment afterwards. This mutual aid mechanism lacks the introduction of profit. Therefore, it is difficult to accumulate capital and generate efficiency. In the process of insurance development, commercial insurance is gradually replaced.

Commercial insurance is an insurance system that is profitable. Its protection for insurance companies is greater than that for customers. In the era of information asymmetry, there is still room for survival. However, in today’s increasingly information-based economy, one-way The closed commercial insurance system has repeatedly been questioned. After the financial tsunami in 2008, commercial insurance was considered to be one of the culprit, because it accumulates a large amount of funds in the course of operation, and in the case of investment without a door, the insurance company Pour a large amount of money into the real estate market and raise housing prices, thus creating greater loan space for banks. Therefore, the general salary class people can not afford to buy a house, widen the gap between the rich and the poor, the initial, the masses buy insurance to stabilize the risk, however, the result is a greater risk, which is absolutely not expected by the policyholders And.

The symmetry and transparency of the information generated by the Internet has made the commercial insurance's plundering color invisible. Therefore, people of insight in the insurance industry have begun to try to build a mutual insurance platform based on network technology. Based on the spirit of mutual insurance on the basis of commercial insurance, let transparency replace credit, and the good law and good intentions of insurance protection have always been a difficult problem. In addition, another problem faced by mutual insurance is that If commercial insurance is calculated according to the insured's risk, the mutual insurance will only calculate the current premium based on the number of members and the unit premium. It is unfair to the insured person with different background or health status. For the sake of his post, the inventor has carefully tested and researched and has worked hard to conceive the "mutually-assisted insurance method and system" 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 method for rationalizing the payment of insurance premiums to meet the actual needs of the out-of-pocket members and the existing accounting standards, and to improve the efficiency and fairness of the operation of the insurance platform.

According to the concept of the present invention, a mutual assistance 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 mutual aid members, the mutual aid information includes a session time Tp, a unit premium U, and the number N of the mutual assistance members; (B) when a mutual assistance member satisfies a payment condition, it is an insurance member, if a specific meeting When there is at least one insurance member in the period, the processing device determines, according to the number D of the insurance members in the specific session, to determine one of the mutual insurance members of the mutual insurance portfolio that is not required for the other members of the insurance member to pay the current premium I, wherein The current premium I is directly proportional to the unit premium U and the number of the risk member D, and the payment condition includes a first payment condition, a second payment condition, and a third payment condition, wherein the first payment condition refers to The mutual assistance member is in danger during the exclusion period Ts, and the second payment condition means that the mutual assistance member is out of danger during an exclusion period Ts and meets an agreed condition, the first The third payment condition means that the mutual assistance member is out of danger and does not satisfy the agreed condition during an exclusion period Ts, which is the specific time at which the mutual assistance member joins the mutual insurance combination; (C) ordering the treatment The device generates a payment message and a payment message for facilitating payment of the current premium I by the mutual assistance member of the mutual insurance portfolio that does not satisfy the payment condition, the payment message being used to obtain the mutual assistance member that satisfies the payment condition a compensation fund Pb, a first insurance premium P ₁ i, or a second insurance premium P ₂ i, wherein the mutual assistance member who satisfies the first payment condition obtains the compensation premium Pb and satisfies the second payment The mutual assistance member of the condition obtains the first insurance premium P ₁ i, and the mutual assistance member who satisfies the third payment condition obtains the second insurance premium P ₂ i, wherein the amount of the first insurance premium is proportional to the unit premium U, The amount of the second insurance premium P ₂ i is lower than the first insurance premium P ₁ i by a predetermined difference H; and (D) causes the processing device to generate a first transfer message for depositing the predetermined difference H a stable Gold account.

More preferably, the mutual aid insurance processing method of the present invention, wherein the amount of the first insurance premium is more than a factor of at least one of the number of members of the mutual aid combination N or a number of unscheduled persons K of the current period, the compensation amount Pb is The total amount of all premiums paid by the mutual aid member who met the payment condition during the period of participation in the mutual insurance portfolio.

More preferably, the mutual assistance insurance processing method of the present invention, wherein the agreed condition is that the age of the insurance member when attending the mutual insurance portfolio is lower than a specific age or the The age of the insurance member is lower than the specified age.

More preferably, the mutual aid insurance processing method of the present invention, wherein the mutual aid member's risk refers to the death of the mutual aid member, and the specific age is at least one of the average age of a specific group sample or the average age of all the nationals.

More preferably, the mutual aid insurance processing method of the present invention, wherein the current premium I is the unit premium U multiplied by the number of mutual assistance members D that meet the payment condition in the current period, as expressed by the following formula: I=U * D. . . . . . . . . . . . . . . . . . (Formula a1); the amount of the first insurance premium P ₁ i is the unit premium U multiplied by the number of the mutual assistance members K that does not satisfy the payment condition in the current period, as expressed by the following formula: P ₁ i=U * K . . . . . . . . . . . . . . . . . . (Formula a2); and the second insurance premium P ₂ i is the unit premium U multiplied by the number of the mutual assistance members K that does not satisfy the payment condition in the current period, and then subtracts the predetermined difference H, as expressed by the following formula: P ₂ i=(U * S)-H. . . . . . . . . . . . . . . . . (Formula a3).

More preferably, the mutual assistance insurance processing method of the present invention, wherein the current premium I is the unit premium U multiplied by a first weight coefficient R, and multiplied by the number of mutual assistance members D satisfying the payment condition, the first weight coefficient R is the number of the standard number M of the mutual aid member divided by the actual number N of mutual help members in the mutual insurance portfolio, as expressed by the following formula: I = U * R * D. . . . . . . . . . . . . . . . . . (formula b1), R=M/N. . . . . . . . . . . . . . . . . . (Formula b2); the first insurance premium P ₁ i is the unit premium U multiplied by the first weight coefficient R and multiplied by the number of the mutual assistance members S that does not satisfy the payment condition in the current period, as expressed by the following formula: P ₁ i=U * R * K. . . . . . . . . . . . . . . . . . (Formula b3); and the second insurance premium P ₂ i is the unit premium U multiplied by the first weighting factor R and multiplied by the number of the mutual aid members K that did not satisfy the payment condition in the current period, and then subtracted the predetermined difference H, as expressed by the following formula: P ₂ i = (U * R * S) - H. . . . . . . . . . . . . . . . . . (Formula b4).

More preferably, the mutual aid insurance processing method of the present invention, wherein the current premium I is determined by the following formula: I = U * Q * D. . . . . . . . . . . . . . . (formula c1), Q=ROUNDUP[M/N]. . . . . . . . . . . . . . . . . . (Formula c2); where U is the unit premium, D is the number of mutual assistance members D that satisfy the payment condition, Q is a second weighting factor, M is a predetermined number of people, and N is a mutual aid member in the mutual insurance portfolio. The actual number of people, ROUNDUP[ ] means to enter the integer calculation formula by unconditional entry, the first insurance premium P ₁ i is the unit premium U multiplied by the second weight coefficient Q and multiplied by the mutual assistance that does not satisfy the payment condition in the current period. The number of members S, as expressed by the following formula: P ₁ i=U * Q* S. . . . . . . . . . . . . . . . . . (Formula c3); and the second insurance premium P ₂ i is the unit premium U multiplied by the second weighting factor Q and multiplied by the number of the mutual assistance members S that does not satisfy the payment condition in the current period, and then subtracts the predetermined difference K, as expressed by the following formula: P ₂ i = (U * Q * S) - K. . . . . . . . . . . . . . . . . . (Formula c4).

More preferably, the mutual aid insurance processing method of the present invention, wherein the predetermined standard number is 1000.

More preferably, the mutual assistance insurance processing method of the present invention further comprises the following steps: (E) causing the processing device to calculate the current premiums of all current mutual members and Ia ₁₁ and all the compensations for the current period. The sum of Pb Pb _a11 , the sum of the first insurance premium P ₁ i of all current payments P ₁ i _a11 , the sum of the second insurance premium P ₂ i of all current payments P ₂ i _a11 , the predetermined difference H The total amount H _a11 and a current platform settlement balance L, wherein the current platform settlement balance L is I _a11 -P ₁ i _a11 -P ₂ i _a11 -Pb _a11 -H _a11 ; (F) causes the processing device to determine one The second fund is provided with a V2 amount and generates a second allocation message for transferring the second fund withdrawal amount V2 to the stability fund account, wherein the second fund withdrawal amount V2 is the settlement balance of the current platform L. And (G) if the processing device determines that the current platform settlement balance L is less than zero, the processing device transmits a third transfer message for the stability fund account to pay the amount less than zero.

More preferably, the mutual aid insurance processing method of the present invention, wherein the processing device is operated by an operation platform, and the processing device calculates an operating surplus B of the operation platform in the current period by the following formula f1: B=L-Q-T. . . . . . . . . . . . . . . . . . (Formula f1), where T is a business expense for the operation of the operational platform, and the service expenditure includes payment of a service fee for one of the intermediary service nodes.

More preferably, the mutual assistance insurance processing method of the present invention further comprises the steps of: (C1) causing the processing device to notify the intermediary service node of the payment message, and providing an intermediary service via the intermediary service node, the intermediary service including receiving the The current premium I of the mutual aid member; and (C2) causing the processing device to generate a service fee payment message for rewarding the intermediary service provided by the intermediary service node according to the intermediary service provided by the intermediary service node, wherein The intermediary service includes paying the first insurance premium P ₁ i, the second insurance premium P ₂ i or the compensation premium Pb to a designated beneficiary of the mutual aid member who satisfies the payment condition, and the mutual assistance member who assists in performing the insurance a post-contract, wherein the post-contract includes a funeral; and (D5) providing a mutual loan-guarantee guarantee for the service member to which the intermediary service node deserves.

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

30‧‧‧ Mutual Assistance Insurance System

303‧‧‧Information Generation Module

305‧‧‧Message transmission/reception module

307‧‧‧ Premium Calculation Module

309‧‧‧ platform settlement module

301‧‧‧Database

40‧‧‧Security Fund Account

1 is a schematic flow chart of an embodiment of a mutual assistance insurance method of the present invention

2 is a schematic structural view of an embodiment of the mutual insurance system of the present invention

The present invention is not limited by the embodiment, and the embodiment of the present invention is not intended to limit the invention to any specific environment, application or special mode 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 mutual assist insurance method according to the present invention. In FIG. 1, a mutual insurance combination is established or stored via a mutual insurance system having a processing device (step 200), the mutual insurance combination is composed of a plurality of mutual assistance members, and the mutual insurance system establishes or receives a mutual group. Insurance combination information (step 201), the information includes a meeting time Tp, a unit premium U and a member number N of the mutual aid combination; in a specific session, the mutual insurance system receives information on whether a mutual aid member is in danger (step 202) , that is, whether the member meets the set insurance payment conditions, such as the member’s death or other agreed damage; if the member satisfies If the condition of payment is an out-of-risk member, then according to whether the time when the participating member participates in the mutual insurance combination exceeds one exclusion period, it is determined whether the insurance member meets a first payment condition (step 203), wherein the setting of the exclusion period is It can be a specific time for the member to participate in the mutual insurance portfolio. For example, if the member joins the mutual insurance portfolio for 2 years, the moral hazard of the participant can be reduced, and the member can avoid the risk after the member joins the group; If the time of the insurance is still within the exclusion period, the insurance member meets the first payment condition (step 204); if the time of the insurance member has exceeded the exclusion period, the system further determines whether the insurance member meets the agreed condition (Step 205) If the agreed condition is met, the insurance member meets a second payment condition (step 206), and if the agreed condition is not met, the insurance member meets a third payment condition (step 207), wherein the agreed condition It can be set according to the fairness of the mutual insurance portfolio. For example, it can be set as the mutual aid member to join the mutual insurance portfolio. The initial age is lower than a particular age or the dangerous condition of membership that is below a certain age to age at the time of the dangerous condition, which can be a certain age for mutual aid in which the average age of members of specific groups or the average age of all nationals.

For the mutual assistance member that meets the first payment condition, the system calculates a compensation fund Pb and sends a compensation payment message (step 204) for paying the compensation to the insurance member, and the system calculates for the mutual assistance member that meets the second payment condition. a first insurance premium P ₁ i and a first insurance premium payment message (step 206) for paying the first insurance premium to the insurance premium member, and for the mutual assistance member meeting the third payment condition, the system calculates a second insurance Gold P ₂ i and sending a second insurance payment message (step 207) for paying the second insurance premium to the insurance member; wherein the amount of the first insurance premium is proportional to the unit premium U, and The number of members of the mutual aid group N or the number of people who are not in the current period of insurance K is at least one-tenth, and the amount of the second insurance premium P ₂ i is lower than the first insurance premium P ₁ i by a predetermined difference H, that is, P ₂ i=P ₁ iH; the compensation Pb is the compensation for the insurance member who failed to obtain the insurance premium (because the time for joining the mutual insurance portfolio is still short, it is still within the exclusion period of one insurance premium), which can be set to The insurance member participates in the mutual The sum of all the insurance premium paid during the combination, or the sum of allowances and a premium paid and the payment message is also sent to the financial institution to pay on behalf of a cooperation.

Thereafter, the system server calculates the total amount of the current first insurance premium, the second insurance premium, and the compensation amount, and the total amount H _{a11 of} the predetermined difference H (step 220). For the members who do not meet the payment conditions in the current period, the system calculates the current premium I should pay in the current period (step 211), which is proportional to the unit premium U and the number of the insurance members D. And notifying the uninsurance mutual assistance member to pay the current premium I (step 212), and judging the total income of the current premium at the end of the payment period (step 213).

Thereafter, the system calculates the current platform settlement balance of the mutual insurance portfolio (step 221), that is, the difference between all premiums in the current mutual aid portfolio minus all insurance premiums, compensation funds, and predetermined differences, which can be expressed by the following formula: L= I _a11 -P ₁ i _a11 -P ₂ i _a11 -Pb _a11 -H _a11 ; wherein L is the current portfolio settlement balance, I _a11 is the sum of the current premium I charged in the current period, P ₁ i _a11 is The sum of the first insurance premiums P ₁ i paid by the platform, P ₂ i _a11 is the sum of the second insurance premiums P ₂ i paid by the current platform, and Pb _a11 is the sum of all the compensations Pb paid in the current period. , H _a11 predetermined for the total of the difference H H _a11, i.e. the first dial STDF amount V _1.

Thereafter, the system then determines the total sum of the predetermined difference H H _A11 STDF first allocated amount, and determining the combined balances of the current period mutual ratio L is a predetermined second amount STDF dial V _2, and the first transmission The withdrawal message stores the first fund withdrawal amount V ₁ into a stability fund account, and transmits a second withdrawal message to deposit the second fund withdrawal amount V ₂ into the stability fund account, the first fund withdrawal amount. The total amount withdrawn from the second fund is the current total fund withdrawal V (step 222). Thereafter, the system recalculates the general administrative business expenditure T of the current insurance platform operation (step 223), the business expenditure includes paying the service fee of an intermediary node, and then the system calculates the current mutual insurance platform according to the following formula. Surplus B (step 224): B=LVT; if the current platform settlement balance L is less than zero, the processing device transmits a third dialing message for the specific account to pay the amount less than zero

Thereafter, the current session (step 230) is ended and the next session is entered.

The system may notify the mutual aid member to pay via the electronic communication device, wherein the electronic communication device may include a short message (SMS, MMS) and e-mail of a wireless communication device such as a mobile phone, a PDA, a computer, etc., and the member payment may be via an electronic transaction. The system (such as mobile phone, PDA, credit card online payment, etc.), convenience store, bank, bill, etc., will transfer the current payment to a specific account. If the mutual aid member has paid the current premium, the system can Receive a completion payment information from this specific account.

In the above mutual insurance method, the subject matter of the insurance, that is, the payment condition, may be an insured person's death, major illness or disability, member's property damage such as factory fire, vehicle or ship aircraft damage, and the like.

For example, in the case of the insured person's death, the mutual aid member may be the insured person who signed the mutual assistance contract in advance or the related relatives who have agreed to benefit, and the payment condition may be divided into the first payment according to the exclusion period Ts and the agreed conditions. Conditions, second payment conditions, and The three payment conditions, if the agreed condition is that the insured person's participation in the mutual insurance portfolio is lower than the official published national average age, assuming 80 years, and the exclusion period Ts is 2 years, the insured is added to the mutual insurance portfolio. The death rate within 2 years is in line with the first payment condition. When the insured enters the mutual insurance portfolio, the age is less than 80 years old, and the death time has been more than 2 years since joining the mutual insurance portfolio. The condition is that if the insured person is over 80 years old when he joins the mutual insurance portfolio and the death time is more than 2 years from the time of joining the mutual insurance portfolio, the mutual assistance member meets the third payment condition.

For a mutual assistance member that meets the first payment condition, the mutual assistance platform pays the compensation Pb, the mutual assistance member who satisfies the second payment condition, and the mutual assistance platform pays the first insurance premium P ₁ i to satisfy the third payment condition. The mutual aid member, the mutual aid platform, pays the second insurance premium P ₂ i, and the amount of the first insurance premium is proportional to the unit premium U and the number of members of the mutual assistance group N or the number of people who are not in the current period, the second insurance premium The amount of P ₂ i is a predetermined difference H, for example, 20,000 yuan, and is lower than the first insurance premium P ₁ i, wherein the compensation fund Pb may be a fixed amount or a predetermined amount agreed by the insurance member and the platform. The specific accumulated amount may be, for example, the sum of all the premiums paid and the sum of the premiums paid by the current insurance member during the period of participating in the mutual insurance portfolio.

In a preferred embodiment, the current premium I is the unit premium U multiplied by the current number of members D, as expressed by the following formula: I = U * D. . . . . . . . . . . . . . . . . . (Formula a1); the amount of the first insurance premium P ₁ i is the unit premium U multiplied by the current non-risk member number K or the total number of mutual aid members in the mutual insurance portfolio N (ie the number of insurance members D plus The number of unpaid members K), as expressed by the following formula: P ₁ i=U * K. . . . . . . . . . . . . . . . . . (Formula a2); or P ₁ i=U * N. . . . . . . . . . . . . . . (Formula a3); and the second insurance premium P ₂ i is the first insurance premium P ₁ i minus the predetermined difference H, as expressed by the following formula: P ₂ i=P ₁ iH. . . . . . . . . . . . . . . . . . . . . . . . . (Formula a4).

The amount of unit premium can be adjusted according to the size of the mutual aid portfolio.

In another preferred embodiment, especially for a mutual assistance combination in which the number of members changes or is irregular, the current premium I may be the unit premium U multiplied by a first weight coefficient R, and multiplied by the number of risk members D. The first weighting factor R is a predetermined standard number M of the mutual aid member, for example, 1000 persons, divided by the actual number N of mutual help members in the mutual insurance portfolio, as expressed by the following formula: I=U * R * D . . . . . . . . . . . . . . . . . . (formula b1), R=M/N. . . . . . . . . . . . . . . . . . (Formula b2); the first insurance premium P ₁ i is the unit premium U multiplied by the first weight coefficient R and multiplied by the current non-risk member number K or the total number N of mutual help members in the mutual insurance portfolio, As expressed by the following formula: P ₁ i=U * R * K. . . . . . . . . . . . . . . . . . (Formula b3); or P ₁ i=U * R * N. . . . . . . . . . . . . . . . . . (Formula b4); the second insurance premium P ₂ i is also the first insurance premium P ₁ i minus the predetermined difference H.

In still another preferred embodiment, for a mutual help combination of a change in membership or irregularity, the current premium I can be determined by the following formula: I=U *Q * D. . . . . . . . . . . . . . . . . . (formula c1), Q=ROUNDUP[M/N]. . . . . . . . . . . . . . . . . . (Formula c2); where U is the unit premium, D is the number of risk members D, Q is a second weight factor, M is the number of predetermined criteria, for example, 1000 people, and N is the actual number of mutual aid members in the mutual insurance portfolio. , ROUNDUP[ ] means to enter the integer calculation formula by unconditional entry, the first insurance premium P ₁ i is the unit premium U multiplied by the second weight coefficient Q and multiplied by the current non-risk member number K or the mutual insurance portfolio The total number N of mutual help members is expressed by the following formula: P ₁ i=U * Q* D. . . . . . . . . . . . . . . . . . (Formula c3); or P ₁ i=U * Q * N. . . . . . . . . . . . . . . . . . (Formula b4); and the second insurance premium P ₂ i is also the first insurance premium P ₁ i minus the predetermined difference H.

The above-mentioned stability fund account can balance the unforeseen income or expenditure difference of the mutual insurance portfolio in each period of operation, wherein the unintended difference, for example, when there are more members in the current period, due to the mutual insurance system of the present invention The number of current insurance members in the insurance portfolio is multiplied by a basic premium U as the current premium for the uninsurance member. When there are more insurance members, the number of uninsurance members is inevitably less. If the insurance member of the insurance member is paid by fixed amount ( For example, P ₁ i=U * N), so when the out-of-risk member exceeds a certain value, it will inevitably lead to a difference in premium income and insurance premium, which is the first unforeseen income difference; in addition, when the member is delayed If the interest loss caused by the payment, or the non-risk member fails to pay the current premium due to individual factors, or even temporarily withdraws from the insurance portfolio, the shortfall caused by the current premium may also be counted as the second unforeseen income difference. Under the Mutual Insurance Rules of the present invention, the variable income and expenditure factors that may be different for each session due to the design of the premium formula may be included in this unanticipated difference.

In addition, in this mutual insurance, for the actual needs, when a member meets the payment conditions, such as death, disability, or major financial loss, the mutual insurance platform must give priority to the insurance premium or compensation, so that the member can The insurance premium or compensation fund is used for funeral matters or daily life, and until the end of the session, the system can calculate the current premium according to the number of people who are paying in the current period, and then collect the premium from the uninsurance member. It will take another time, and the gold flow of the platform will be between expenditure and collection. There must be a time difference. At this time, the stability fund can also advance the insurance premium or compensation. After the premium is collected, the amount of the expenditure is backfilled, and the capital pool is adjusted in time. In addition, the stability is determined. The fund may also play a role in the provision of reserves in existing commercial insurance.

Since the stability fund is not a platform surplus, its ownership belongs to all mutual aid members, and any use of the contract is bound by the mutual insurance portfolio. Therefore, the platform administrators are free to move, and they can trust the bank or appoint a credible corporate organization to supervise. It can also be returned to mutual aid members when the mutual insurance portfolio is dissolved and liquidated.

In the past, due to the above-mentioned various changes and the time difference caused by the difference, the settlement balance of each period of mutual insurance cannot be effectively actuated, and the profit and tax burden of the mutual insurance organization cannot be further reported, but it is formed in the process of commercialization. An insurmountable gap, which in turn makes it impossible for the mutual aid organization to further streamline and expand its business, and to limit regional small-scale mutual insurance. However, the present invention is based on the Internet-based architecture and is based on the actual design of relevant premium allocations. The settlement step can effectively and reasonably settle the profit of the insurance portfolio, so that the scale of mutual insurance is no longer limited, and the efficiency of commercial insurance is improved and the business is sustainable.

In addition, since the mutual help members of the mutual insurance portfolio are not the current commercial insurance, the insurance premium is generally calculated according to the insured's risk probability, and the premium is calculated based on the predetermined unit premium and the number of the out-of-risk members, so the mutual help is low. It is unfair for members to pay the same premium. Therefore, the invention designs the difference between the insurance premiums for the members of different agreed conditions, and the difference is to allocate the stability fund of the platform as the deposit reserve for the platform, in addition to the insurance for the mutual insurance portfolio. In addition to the fairness of the gold payment, the stability of the mutual benefit insurance platform is further improved.

If the member has not completed the payment at the end of the payment period, it is regarded as an overdue payment, and it is judged whether the number of overdue payment of the member exceeds the maximum number of overdue times set by a system. If it has been exceeded, the system generates A withdrawal message and the member is removed from the insurance portfolio. If not, the system calculates the overdue premium payable by the insurer. The overdue premium can be the current premium payable plus an overdue extension fee and a dunning charge is generated. The message is again notified to the original uninsurance member, and/or an intermediary service node, by which the intermediary service node collects payment or performs a collection action.

In addition to assisting in the collection, the intermediary service node can also assist the platform to pay the first insurance premium P ₁ i, the second insurance premium P ₂ i or the compensation premium Pb to the beneficiary of the mutual aid member who satisfies the payment condition, or assists in the execution. The one of the mutual help members of the death is a contract and/or a funeral issue, and the platform pays a service fee according to the intermediary service provided by the intermediary service node to reward the intermediary service provided by the intermediary service node. The mutual help platform may also provide a loan guarantee for the mutual aid member served by the node according to the amount of the service fee that the intermediary service node deserves, and the member may apply for the loan to the mutual insurance portfolio or offset the current premium.

More preferably, since the premiums of the mutual insurance portfolio are related to the different situations of the members, such as the death, etc., the income and expenses are transparent, to demonstrate the public trust of the combined operation, and to promote the exchange of feelings and mutual assistance among the members. The insurance system may be provided with a bulletin board and/or a discussion area for publishing mutual help information of the mutual insurance portfolio, such as the number of mutual assistance members of the mutual insurance portfolio, the number of the mutual assistance members who meet the payment conditions in the current period, and the current period. The name of the mutual aid member of the payment condition, the funeral information of the mutual aid member that meets the payment condition, the resignation message of the mutual aid member, the new membership list, and the contact information of an intermediary service node, etc., the forum can provide all Mutual aid members exchange views.

The above mutual insurance method can be used for processing login, liaison, and fund collection and payment between the member and the intermediary service node by the computer and the network. The related operation means can also be stored in a memory or a computer by a code type. Read in the media.

Please refer to FIG. 2, which is a schematic structural diagram of an embodiment of a mutual assistance insurance system according to the present invention. In FIG. 2, a mutual insurance system includes a database 301, a premium calculation module 307, a message generation module 303, a platform settlement module 309, and a message transmission/reception module 305.

The database 301 stores the mutual aid data of the mutual insurance portfolio, including a session time Tp, a unit premium U, and the number N of the mutual assistance members; when proceeding to the nth session, when a mutual assistance member satisfies a payment condition That is, an insurance member, if there is at least one insurance member in a specific session, the premium calculation module 307 determines the current premium I of the other uninsurance members in the mutual insurance portfolio according to the number D of the insurance members in the specific session, wherein The current premium I is directly proportional to the unit premium U and the number of the risk member D, and the payment condition includes a first payment condition, a second payment condition, and a third payment condition, wherein the first payment condition refers to the The mutual assistance member takes out the insurance within the exclusion period Ts. The second payment condition means that the mutual assistance member is out of danger and meets an agreed condition during an exclusion period. The third payment condition means that the mutual assistance member is out of danger during an exclusion period Ts. And the stipulation condition is not met, wherein the exclusion period Ts refers to a specific time when the mutual aid member joins the mutual insurance combination.

The message generating module 303 generates a payment message and a payment message, wherein the payment message is used to cause the non-risk member of the mutual insurance portfolio to pay the current premium I, and the payment message is used to satisfy the first payment condition. The mutual aid member obtains a compensation Pb, the mutual assistance member who meets the second payment condition obtains the first insurance premium P ₁ i, and the mutual assistance member who meets the third payment condition obtains the second insurance premium P ₂ i. Wherein, the amount of the first insurance premium is proportional to the unit premium U, and is proportional to the number of members of the mutual aid group N or a current unemployed person K, and the amount of the second insurance premium P ₂ i The predetermined difference H is lower than the first insurance premium P ₁ i, and the compensation premium Pb is the sum of all the premiums paid by the mutual assistance member who meets the payment condition during the period of participating in the mutual insurance portfolio.

The platform settlement module 309 is used to calculate the sum of the current premiums I and I _a11 of all current mutual members, the sum of the compensations Pb of all current payments Pb _a11 , and the first insurance premiums for all current payments. ₁ i and P ₁ i _a11 , the sum of the second insurance premium P ₂ i of the current period P ₂ i _a11 , the total amount of the predetermined difference H _H11 , the current platform settlement balance L, the current first fund The withdrawal amount V1 and the second fund withdrawal amount V2; wherein, the current platform settlement balance L is I _a11 -P ₁ i _a11 -P ₂ i _a11 -Pb _a11 -H _a11 , and the first fund withdrawal amount V1 is For the total amount H _{a11 of} the predetermined difference H, the second fund withdrawal amount V2 is a predetermined ratio of the current platform settlement balance L, for example, 10% or 20%.

The message transmitting/receiving module 305 transmits a premium payment message, a first or second insurance payment message, and a first transfer message and a second transfer message, wherein the first transfer message is used to use the first fund The withdrawal amount V1 is deposited into a stability fund account 40, and the second withdrawal message is used to deposit the first fund withdrawal amount V2 into a stability fund account 40.

If the platform settlement module 309 determines that the current platform settlement balance L is less than zero, the message transmission/reception module 305 transmits a third allocation message for the stability fund account to pay the amount less than zero.

More preferably, the platform settlement module 309 further calculates an operating surplus B of the operating platform in the current period by the following formula f1: B=L-Q-T. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . (formula f1), Where T is a business expense of the operation of the operating platform, and the business expenditure includes payment of a service fee of one of the intermediary service nodes.

The specific embodiments are described below.

Xiao Ming (to be insured) applied for an elderly father (insured) to join a mutual insurance system. In the system, Xiao Ming selected a mutual insurance portfolio. The number of the group is 1,000, and each month is a session. The system sets the insurance premium to 300,000 yuan, the premium per unit is 300 yuan, and the exclusion period is 2 years. The agreed condition is that the initial age of participation is less than the national average age of 78, the predetermined difference is 30,000 yuan, and the premium payable for each period. The method of payment after the event is to pay the premiums payable by the insured person in each period: [300 yuan × number of people in danger]. In this mutual insurance system, if the insured person dies in each period, the second instalment is replenished by the new insured to maintain a total combined number of 1,000. Xiao Ming provides relevant information such as the insured, the insured, and the beneficiary to the mutual insurance system. The mutual insurance system inquires about the payment of the membership fee of Xiao Ming, a special account. After confirming the account, Xiao Ming becomes a member and passes the system. Issue a member virtual delivery account.

Subsequently, there were 3 mutual help members in the mutual insurance portfolio. The death of a member of the mutual aid insurance system on the 10th of the month. After receiving the death message of the A, the system calculated that the death time of a certain A has exceeded the mutual insurance system. The specified exclusion period is 2 years, and a certain A is only 60 years old when participating in the mutual insurance portfolio, and 78 years old is not up to the agreed condition. Therefore, the system judges that a certain company meets the second payment condition and advances in the existing 6,000,000 of the stability fund account. The first insurance premium of 300,000 yuan will be paid to the designated bank of the beneficiary bank of a certain company, and an intermediary service node A will be designated to assist a certain person in the funeral.

On the 15th of the same month, the mutual insurance system received another death message from a member of the mutual insurance portfolio. The system calculated that the death time of a certain B has exceeded the mutual insurance system. The exclusion period set by the system is 2 years, but when a certain B participates in the mutual insurance portfolio, it is 85 years old and has exceeded the agreed condition of 78 years old. Therefore, the system judges that a certain B meets the third payment condition, and is within the existing 6,000,000 of the stability fund account. The second insurance premium of 300,000-30,000=270,000 yuan will be paid first, and the money will be transferred to the designated bank of the beneficiary bank of B.

On the 20th of the same month, the mutual insurance system received a death message from a member of the mutual insurance portfolio. The system calculated that the death time of a certain C was only eight months after a certain C joined the mutual insurance portfolio and did not exceed the mutual insurance. During the exclusion period set by the system, and the premiums previously paid by the insurer are 35,000 yuan, the system will pay a total premium of 25,000 plus a subsidy/consolation fee of 5,000 yuan for a total of 40,000 yuan in the Anding Fund account. The first payment is made to the designated bank account of the beneficiary bank of C, and the system also informs another intermediary service node B designated before the C, to assist a C to carry out funeral matters.

Up to the settlement date at the end of the month, a total of three insured persons died in the month. The premium calculation module of the mutual insurance system calculates that the premium payable for each member in the current period is 300 × 3 = 900 yuan, and via the newsletter ( SMS, MMS) and e-mail notifications are required to be paid by the insured. After receiving the notice, the member can pay via mobile phone, credit card online payment, convenience store, bank, bill, etc. The mutual insurance system checks the payment. Whether the premium payable has been transferred to one of the mutual aid insurance system recipients.

If the remaining uninvolved mutual aid members of the mutual aid group have a total of 997, the premium income of the mutual insurance portfolio is 997x900=897,300, and the total expenditure of the first insurance premium P ₁ i is 300,000 yuan. insurance P ₂ i a total expenditure of $ 270,000, Pb compensation expense is $ 40,000, the sum of H _a11 predetermined difference of $ 30,000, it is profit insurance portfolio balances of the current period L is 897,300- (300,000 + 270,000 + 40,000) - 30,000-=257,300 yuan.

Thereafter, the system sends a first transfer message to deposit a predetermined difference of 30,000 yuan into the stability fund account, and sends a second transfer message to provide a fixed 10% of the settlement balance L, which is 29,730. Yuan, to the stability fund account, in addition, and will be transferred to a certain insurance premium of 300,000 yuan, a B insurance premium of 270,000 yuan, a certain C compensation of 40,000 will be returned to the stability fund account.

Thereafter, the platform's general administrative business T expenditure for the current period is 100,000. The administrative business T includes the service fees of the intermediary service nodes under the platform. Therefore, the system settlement of the current mutual aid portfolio has a surplus of 297,300-(29,730). +30,000)-100,000=137,570 yuan, after which the platform can report tax, mutual help member dividends, business expansion related matters, or capital for possible losses in the future session. The current settlement balance of the stability fund account is: 6,000,000 + 29,730 + 30,000 = 6,059,730 yuan, which can be used to pay for the difference in the future insurance portfolio.

Thereafter, in the next session, the mutual insurance portfolio was joined by three new members. At the end of the session, four mutual members died during the session and all exceeded the period specified by the mutual insurance system. 2 years and meet the second payment conditions, so the system will first transfer the insurance premium of 300,000 yuan to the beneficiary bank designated account of the 4 mutual aid members in the existing 6,059,730 yuan of the stability fund account, because there are no other members in the current period. During the period of the exclusion, the insurance premium for the current period was RMB 1,200,000.

The premium calculation module calculates that the premium payable for each member in the current period is 1,200 yuan (300 × 4 = 1,200), and informs the insurer to pay the payment. In the current period, all the unpaid members of the group have a total of 996 members. Therefore, the premium income of the mutual insurance portfolio should be 996x1,200=1,195,200, and the current insurance portfolio settlement balance L is 1,195,200-1,200,000=-4800 yuan, there is a difference of 4,800, according to the mutual assistance clause, the difference can be supplemented by the stability fund account. Since the current settlement balance is negative, no 10% of the fund withdrawal amount will be allocated to the stability fund account. At the same time, there was another uninsurance member who failed to pay the premium due to personal factors. Therefore, there was also a shortage of 1,200 on the book. The vacancy was also supplemented by the stability fund account. The settlement balance of the current stability fund account is: 6,059,730-1,200,000+1,195,200-1,200=6,053,730 yuan, which is still sufficient to cover the difference in future insurance portfolio changes.

Summarizing the above, the mutual insurance method of the present invention combines the advantages of commercial insurance efficiency and the pursuit of profit sustainable operation on the basis of mutual insurance, and does not under the original commercial insurance system such as socially ill-fated or sick and old disabled. To meet the basic protection of individuals or families who are adequately protected, and to meet the needs of the victims of M-type society, thereby reducing social problems, and at the same time combining the advantages of the Internet to greatly improve the symmetry and mutual fund transparency of mutual aid portfolios. And improve the lack of both commercial insurance information closure and one-way predatoryness, while simplifying and accelerating the capital payment process through the ingenious design of the stability fund account, and with the increase of mutual assistance members, through bank trust or justice The stability fund for third-party group supervision and network transparency reporting is also gradually accumulating, which also significantly reduces the operational risk of the platform and the insurance risk of the insurer, further optimizing the platform's earnings or losses, in line with existing accounting standards. And increase the efficiency and effectiveness of this network mutual insurance platform operation Positive. At the same time, for the members of different agreed conditions, the difference between the insurance premiums is designed, and the difference is allocated to the stability fund of the platform. As a deposit reserve for the platform, in addition to satisfying the fairness of the insurance premium payment of the mutual insurance portfolio, it is further improved. The stability of the mutual insurance platform effectively overcomes 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.

Claims (10)

A mutual aid insurance processing method is implemented by a processing device, the method comprising: (A) causing the processing device to store a mutual aid data of a mutual insurance portfolio, the mutual insurance portfolio comprising a plurality of mutual assistance members, the mutual aid data Including a session time Tp, a unit premium U, and the number of the mutual assistance members N; (B) when a mutual assistance member meets a payment condition, it is an insurance member, if there is at least one risk member in a specific session, ??? Let the processing device determine, according to the number D of the insurance members in the specific session, one of the mutual insurance members of the mutual insurance portfolio that is not required to be paid by the other members of the insurance member, wherein the current premium I and the unit The premium U is proportional to the number D of the insurance member, and the payment condition includes a first payment condition, a second payment condition, and a third payment condition, wherein the first payment condition refers to the mutual assistance member during an exclusion period Ts In the case of internal insurance, the second payment condition means that the mutual assistance member is out of danger during an exclusion period and meets an agreed condition, and the third payment condition refers to the mutual assistance member in one The exclusion period Ts is out of danger and does not satisfy the agreed condition, wherein the exclusion period Ts refers to a specific time for the mutual assistance member to join the mutual insurance portfolio, the agreed condition is the age of the insurance member when participating in the mutual insurance portfolio. Lower than a specific age; (C) causing the processing device to determine that the member satisfying the payment condition satisfies the second payment condition or the third payment condition, and generates a payment message and a payment message for promoting the mutual assistance The mutual assistance member who does not meet the payment condition in the insurance portfolio pays the current premium I, and the payment message is used to make the mutual aid meeting meeting the payment condition The employee obtains one of the compensation Pb, the first insurance P1i, or the second insurance P2i, wherein the mutual assistance member who satisfies the first payment condition obtains the compensation Pb and satisfies the second payment condition. The mutual aid member obtains the first insurance premium P1i, and the mutual assistance member who satisfies the third payment condition obtains the second insurance premium P2i, wherein the amount of the first insurance premium is proportional to the unit premium U, and the second insurance premium P2i The amount is less than the first insurance premium P1i by a predetermined difference H; and (D) causes the processing device to generate a first delivery message for depositing the predetermined difference H into a stability fund account. For example, the method of processing the mutual insurance according to Item 1 of the patent application, wherein the amount of the first insurance premium is more proportional to the number of members of the mutual assistance group N or a number of people who are not in the current period of risk K, at least one of which is proportional to the compensation amount Pb. The sum of all premiums paid by the mutual aid member who meets the payment conditions during the period of participation in the mutual insurance portfolio. For example, the mutual aid insurance processing method of claim 1 wherein the mutual aid member's risk refers to the death of the mutual aid member, and the specific age is at least one of the average age of a particular group sample or the average age of all the nationals. For example, the mutual insurance treatment method of claim 1 of the patent scope, wherein: the current premium I is the unit premium U multiplied by the number of mutual assistance members D that meet the payment condition in the current period, as expressed by the following formula: I=U * D . . . . . . (Formula a1); the amount of the first insurance premium P1i is the unit premium U multiplied by the number of the mutual aid members K that does not satisfy the payment condition in the current period, as expressed by the following formula: P1i=U*K. . . . . . (Formula a2); and the second insurance premium P2i is the unit premium U multiplied by the number of the mutual assistance members K that does not satisfy the payment condition in the current period, and then subtracts the predetermined difference H, as expressed by the following formula: P2i=( U * S)-H. . . . . . (Formula a3). For example, the mutual insurance insurance processing method of claim 1 , wherein: the current premium I is the unit premium U multiplied by a first weight coefficient R, and multiplied by the number of mutual assistance members D satisfying the payment condition, the first The weighting factor R is a predetermined standard number of persons M of the mutual aid member divided by the actual number N of mutual aid members in the mutual insurance portfolio, as expressed by the following formula: I=U * R * D. . . . . . (formula b1), R=M/N. . . . . . (Formula b2); the first insurance premium P1i is the unit premium U multiplied by the first weighting factor R and multiplied by the number of the mutual assistance members S that does not satisfy the payment condition in the current period, as expressed by the following formula: P1i=U * R * K. . . . . . (Formula b3); and the second insurance premium P2i is the unit premium U multiplied by the first weighting factor R and multiplied by the number of the mutual aid members K that did not satisfy the payment condition in the current period, and then subtracted the predetermined difference H, As expressed by the following formula: P2i = (U * R * S) - H. . . . . . (Formula b4). For example, the mutual aid insurance processing method of claim 1 of the patent scope, wherein the current premium I is determined by the following formula: I=U *Q * D. . . . . . (formula c1), Q=ROUNDUP[M/N]. . . . . . (Formula c2); where U is the unit premium, D is the number of mutual assistance members D that satisfy the payment condition, Q is a second weighting factor, M is a predetermined number of people, and N is a mutual aid member in the mutual insurance portfolio. The actual number of people, ROUNDUP[ ] means to enter the integer calculation formula by unconditional entry, the first insurance premium P1i is the unit premium U multiplied by the second weight coefficient Q and multiplied by the number of the mutual aid members who do not meet the payment condition in the current period. S, as expressed by the following formula: P1i = U * Q * S. . . . . . . . . . . . (Formula c3); and The second insurance premium P2i is the unit premium U multiplied by the second weighting factor Q and multiplied by the number of the mutual assistance members S that does not satisfy the payment condition in the current period, and then the predetermined difference K is subtracted, as expressed by the following formula: P2i=(U * Q * S)-K. . . . . . . . . (Formula c4). For example, the method of processing mutual insurance according to item 5 or item 6 of the patent application, wherein the predetermined standard number is 1000. For example, the method of processing the mutual insurance according to item 1 of the patent scope further includes the following steps: (E) ordering the processing device to calculate the current premiums of all current mutual members and Ia11, and all the compensations for the current period. Pb and Pba11, the sum of the first insurance P1i P1ia11 paid in the current period, the sum of the second insurance P2i P2ia11 of all current payments, the total amount Ha11 of the predetermined difference H, and the balance of the current platform settlement L , wherein the current platform settlement balance L is Ia11-P1ia11-P2ia11-Pba11-Ha11; (F) causing the processing device to determine a second fund withdrawal amount V2, and generating a second allocation message for the 2. The fund withdrawal amount V2 is transferred to the stability fund account, wherein the second fund withdrawal amount V2 is a predetermined ratio of the settlement balance L of the current platform; and (G) if the processing device determines that the current platform settlement balance L is smaller than Zero, the processing device transmits a third dialing message for the stability fund account to pay the amount less than zero. For example, the mutual aid insurance processing method of claim 1 wherein the processing device is operated by an operation platform, and the processing device calculates an operating surplus B of the operation platform in the current period by the following formula f1: B=LQT . . . . . . . . . (formula f1), Where T is a business expense of the operation of the operating platform, and the business expenditure includes payment of a service fee of one of the intermediary service nodes. The method for processing the mutual insurance according to claim 10 of the patent scope further includes the following steps: (C1) causing the processing device to notify the intermediary service node of the payment message, and provide an intermediary service via the intermediary service node, the intermediary service includes Receiving the current premium I of the mutual assistance member; and (C2) causing the processing device to generate a service fee payment message for rewarding the intermediary service provided by the intermediary service node according to the intermediary service provided by the intermediary service node Wherein the intermediary service includes paying the first insurance premium P1i, the second insurance premium P2i or the compensation premium Pb to a designated beneficiary of the mutual assistance member who satisfies the payment condition, and a contract for assisting the execution of the one of the mutual assistance members of the insurance , wherein the post-contract includes a funeral; and (D5) providing a mutual loan guarantee for the mutual aid member served by the intermediary service node.