TW200929047A

TW200929047A - Method and system of setting up an insurance platform for buying house based on contingent asset

Info

Publication number: TW200929047A
Application number: TW96148429A
Authority: TW
Inventors: Yung-Sung Jian
Original assignee: Shacom Com Inc
Priority date: 2007-12-18
Filing date: 2007-12-18
Publication date: 2009-07-01

Abstract

Disclosed herein is an open insurance platform which, using insured"contingent asset"as the support and buying house as the target, constructs a no-conflict fund trading environment by an insurance company, wherein a fund bidding method is employed to make interest rate close to market price. This buying house platform based on contingent asset is operated to allow the insurance company to remove risk in interest spread, earn the handling charge, create the massive cash flow, and incline to finance electronic commerce insurance so as to pull out the insurance company from the difficult management situation. To the insurance clients who wish to buy houses, a"one price"low interest rate home mortgage can be acquired by gathering many people's money under the operation of direct finance deposit-and-loan mechanism. Moreover, clients of saving account in the platform can be benefited from the direct finance by gaining an interest rate that surpasses the market rate.

Description

200929047 九、發明說明：【發明所屬之技術領域】本發明屬金融電子商務之保險領域’在於運用網路科技技術創造一個自主性利率資金交易平台。保險方得利用平台競標的機制，擴大保險利基，排除利差風險，賺取手續費；並讓購屋者得以上場競標，以取得「一價到底」的低利率購屋款項，使將來想購屋的儲蓄者也可以獲得優於市場水準的利息。【先前技術】根據先進隊的鎌，個人_資金有超過佩屬於高資產理財市場’ 25%屬於退休儲f，25%投資在共同基金，剩下不到一成的資金才是胁壽險資產。這項雜铸_，壽歸在這場金融商品200929047 IX. INSTRUCTIONS: [Technical field to which the invention pertains] The present invention belongs to the field of insurance for financial e-commerce. The use of network technology to create an autonomous interest rate fund trading platform. The insurance party can use the platform bidding mechanism to expand the insurance niche, eliminate the spread risk, and earn the handling fee; and allow the homebuyers to bid on the market to obtain the "one price in the end" low interest rate purchases, so that they want to buy the house in the future. Savers can also earn interest above market levels. [Prior Art] According to the embarrassment of the advanced team, the individual _ funds have more than the high asset management market. 25% belong to the retirement fund, 25% invest in the mutual fund, and less than 10% of the funds are the life insurance assets. This miscellaneous casting _, life in this financial commodity

保險業的困境’來自於人民生活轉的提高，傳統壽險商品對生計的保障，已不能滿足客戶的需要；的保障以及「資產配置」型的保險。採取純保障的保險方式來規避風險， ;現在， H，客戶需要的是「重大風險對於「重大風險」的保障，客戶 ’對於「杳吝要，θ 資產配置」的客戶群，則 200929047 尋求或有資產投保概念以及投資型保單來規劃。保險業，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；保險公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，納入保險商品的範中。因此，如何使將來想買房子的存款者，現在就要買 ® 房子的借款者，以及借力使力想利用現有的房屋擴大儲蓄的投資者，集合在一個存借平台上，創造一個既沒有利差風險，又可擴大經營規模、增加現金流量的經營方法正是保險業所期待的。為了這個問題，許多有識之士的保險家們都在尋求解決之道。美國專利編號 US 5,926,800 之’’System and method for providing a line of credit secured by an assignment of a life insurance policy”，提出利用壽〇險來提供最高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之壽險持有者的系統。然而，此專利是根據被保險者的健康情況及財務變數來管理，因此其系統會借重資料庫、經驗、專家等來分析要貸款之被保險人之信用額度。但以專家及經驗為保單鑑價難免有主觀之處’且評估壽險需時較長，被保險人之流動性及可得之貸祇金額是否足敷其絲，尚有疑慮。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 200929047 他運用空間；美國專利編號US 5,864,828之” Pers〇nal flnaneial management system for creation of a client portfolio 〇f investment and credit facilities where funds are distributed based on a preferred allocation”，提出一建立客戶投資組合的個人金融管理系統以及根據客戶喜好來安排之信用工具，此個人財務管理程式能夠同時考慮個人的財務目標、預算，以及環境之變數、經濟、風險等並自動建議投資人投資組合及工具。該發明具有多種還款方式與期程，由各種不同的參 Λ產擔保。然而’為了放款金融機構的安全性，房屋持有者的總資產必定要高於某些標準’且資金用途上只能用於投資，在大環境不佳時投資人極易面臨被清償的命運;美國專利編號US 6,671，677之”System and method for reducing mortgage interest rate and mortgage guaranty insurance premiums associated with a mortgage loan” ’ 提出一降低抵押貸款利率及與抵押貸款相關之抵押贷款保證保險費的系統與方法，此 ❿ 專利利用「BUYD0WN」來減輕買家負擔並且使之容易核貸。「BUYDOWN」的原理為賣家補貼房屋買家之抵押貸款，無論是降低利息或是初期本金’舉例來說賣家幫助買家償付初期之貸款即為一種「BUYDOWN」。此專利「BUYDOWN」的方式為利用一種名為「DISCOUNT POINT」的方式來降低買家的利率，「disc〇unt POINT」是-長期不變付給借款者之金額，㈣降低絲得較低的利率，需要在一開始付清。然而，利用「DISCOUNT Point」的方式 200929047 雖然能夠降低餘利率，㈣麟不換藥··餘献高之購屋者依然要負擔與不使用「DISCOUNT POINT」相當的還款總價，其所負擔的利息仍是間接金融的較高利息。上述諸多的麟方案，概有直鋼，充其量只能利用壽險保單錢絲、將輕抵押唯—的㈣—途歧將間接金融的較南利息做不同的還款配置’一般社會大眾仍缺乏一平台具備較優惠之利率並關時實現借款、魏及姆料同理財目標。【發明内容】本發明舰-種或有資產魅紐平台建置之方法其係内含一客戶屬性需求分類作業及_資金競標機制，使—客戶經由該客戶屬 ❹ 性需求分紐，可透過所購買的保單完成—房屋崎貸款作業使該客戶參與難’舰做、進行_理或林錢標，賺取標息，該方法包含有：對客戶進行客戶屬性需求麵，經針對客戶所提出之個人資料分析後，分類成三個不同屬性需求中的—種，接著透過客戶所已構買或選擇購買的保單連結f金競標額度以完縣屋融資贷款作業’其巾並騎縣錢叙客戶轉錢標卿之競標額度；處理客陶細標她嫌财增細標機制之結果’完祕>1崎魏之借雜雜。 200929047 本發明建構一種或有資產購屋保險平台建置之系統，包含：一客戶屬性需求分類模組，用以處理一客戶進行該客戶屬性需求分類，經針對該客戶所提出之個人資料分析後，分類成一房貸轉貸需求、一新購屋貸款需求及一房屋抵押融資需求，三個不同屬性需求客The dilemma of the insurance industry comes from the improvement of people's life. The protection of traditional life insurance products to livelihoods can no longer meet the needs of customers; the protection and "asset allocation" type of insurance. Adopting a purely guaranteed insurance method to avoid risks; now, H, customers need to be “significant risk for “significant risk” protection, customer “for summary, θ asset allocation” customer group, then 200929047 seeks or There are asset insurance concepts and investment policies to plan. The insurance industry is basically an industry that operates long-term interest rates and risk management. Long-term interest rate management makes insurance funds and mortgages inextricably linked; insurance companies are not investing in the mortgaged home loan market, or investing in the allocation of real estate. It is a pity that for many years, the insurance industry has not attempted to incorporate the important elements of human life into the paradigm of insurance products. Therefore, how to make depositors who want to buy a house in the future, now buy the borrower of the ® house, and the investors who want to use the existing houses to expand their savings, gather on a deposit and loan platform, create a profit The risk management method, which can increase the scale of operations and increase cash flow, is exactly what the insurance industry expects. In order to solve this problem, many insured people are seeking solutions. US Patent No. US 5,926,800, "System and method for providing a line of credit secured by an assignment of a life insurance policy", proposes a system and method for using the life insurance to provide the highest credit limit guarantee, which is a loan to provide The system of holders of end-of-life and old-age life insurance. However, this patent is managed according to the health status and financial variables of the insured, so the system will use the database, experience, experts, etc. to analyze the insured loan. The credit line of the person. However, it is inevitable that there will be subjective points in the assessment of the policy by experts and experience. And it takes a long time to assess the life insurance. Whether the liquidity of the insured and the amount of the loan available are sufficient, there are doubts. In addition, the invention uses the life insurance policy as a guarantee for the credit line, and can only allocate funds to the policyholders according to the system results. The funds do not have its 200929047 space for his use; US Patent No. US 5,864,828 "Pers〇nal flnaneial management system for creation Of a client portfolio 〇f investment and credit facilities where funds are distr Ibuted based on a preferred allocation", proposes a personal financial management system that establishes a customer portfolio and a credit instrument arranged according to customer preferences. This personal financial management program can simultaneously consider individual financial goals, budgets, and environmental variables, economics. , risk, etc. and automatically recommend investors portfolios and tools. The invention has a variety of repayment methods and schedules, guaranteed by a variety of different productions. However, for the safety of lending financial institutions, the total assets of homeowners Must be higher than certain standards' and the use of funds can only be used for investment. When the environment is not good, investors are vulnerable to the fate of being liquidated; US Patent No. US 6,671,677 "System and method for reducing mortgage interest Rate and mortgage guaranty insurance premiums associated with a mortgage loan” 'Propose a system and method for lowering mortgage interest rates and mortgage-guaranteed insurance premiums related to mortgages. This patent uses “BUYD0WN” to reduce the burden on buyers and make them Easy to lend. The principle of “BUYDOWN” is that the seller subsidizes the mortgage of the home buyer, whether it is lower interest or initial principal. For example, the seller helps the buyer to pay the initial loan as a “BUYDOWN”. The patent "BUYDOWN" is based on a method called "DISCOUNT POINT" to reduce the buyer's interest rate. "disc〇unt POINT" is the amount that will be paid to the borrower for a long period of time, and (4) the lower the silk. The interest rate needs to be paid off at the beginning. However, the use of the "DISCOUNT Point" method 200929047 can reduce the margin rate, (4) Lin does not change the drug. · Yu Xiangao's home buyers still have to pay the total price of the repayment equivalent to not using "DISCOUNT POINT", the burden Interest is still a higher interest rate for indirect finance. Many of the above-mentioned lining schemes include straight steel. At best, they can only use the life insurance policy, Qiansi, and the light mortgage-only (four)--the difference between the indirect financial and the southerly interest. The general public still lacks one. The platform has a more favorable interest rate and achieves the goal of borrowing, Wei and m. SUMMARY OF THE INVENTION The method for constructing a ship-type or asset-based charm platform includes a customer attribute demand classification operation and a fund bidding mechanism, so that the customer can access the customer through the customer demand. The completed policy is completed—the mortgage loan operation of the house makes the customer participate in the difficult ship's operation, the _ rational or the forest money standard, and earns the standard interest. The method includes: the customer's property demand surface is presented to the customer. After the analysis of the personal data, it is classified into three kinds of different attribute requirements, and then through the customer's purchase or purchase of the purchased policy to link the f gold bidding quota to complete the county housing financing loan operation's towel and riding the county money The customer transferred the amount of bidding for the standard of the money; the result of handling the customer's fine-grained standard of the financial increase and fine labeling mechanism 'complete secret> 1 Qi Wei's borrowing miscellaneous. 200929047 The present invention constructs a system for arbitrarily building an asset purchase insurance platform, comprising: a customer attribute demand classification module for processing a customer to perform the customer attribute demand classification, after analyzing the personal data proposed by the customer, Classified into a mortgage loan demand, a new home loan demand and a mortgage financing demand, three different property requirements

戶中的-種’接著透過該客戶所已購買或選擇購買的保單連結一資金競標額度以完成一房屋融資貸款作業； -擔保品聽單鑑麵組’㈣處理分_駿轉貸需求者或新一擔保品及保購屋貸款s求者之客戶，經客戶提出—貸款絲並提出單以供鑑價後，針_獅品及鮮進行—鑑價健，及用以處理分類為該房屋抵押融資需求者之客戶，經該客戶提料款需求並提出擔保品及鮮以倾做，針觸擔似及解進行鑑價作業；一過渡性貸款作誠組，肋計算客戶㈣之__過渡性貸款之利息’該過雜絲，係指經㈣統絲該雜品及料織作業後所得出之結果，經由過雜做作業池來計算該财性貸款之利息，並向客戶發送繳息通知；，處理模組，用以處理—非保戶選擇所要購買之m 行相關要保、絲、郷、核魏紐軸版各項功能； -資金競標交易模組’用以處理一客戶參與—資金競標機㈣標作業； 200929047 一資金管理作業模組，用以處理客戶參與競標機制得標後所產生之一得標金導入一平台資金管理，並即時計算資金管理損益；一理賠及結算交割模組，用以處理客戶所選擇購買之保單所規定理賠項目發生時，處理理賠請求，並進行一理賠金認定、給付，及所有系統運作中所產生之金流收付作業之處理。【實施方式】 ❹ 本發明係由保險公司或相關之金融機構，將保險保障、保單價值、房屋價值結合資金競標機制以進行儲蓄購屋為標的，建置以保險「或有資產」和保單價值為支撐的購屋保險平台；在此架構下，保戶及非保戶，資金需求者及無資金需求之儲蓄者，皆可參與。不具資金需求之保戶及非保戶可直接進人資金雜鋪存款。保戶之房貸轉貸〇絲者鱗魅貸款需求者叫屋做為聽品、贿單擔保品價值’用以取得财性餘·_原雜錢制絲項，以及取得競標額度肋參與競標；若得標，則得標金用於償還過渡性貸款；若未得標，則進行存款。保戶之房紐押融資需求者（即以自有、已缴清房貸之房屋進行抵押融資者）亦以房屋做為擔保品、以保單增強擔保品價值，取得競標額度參與競標；若得標則可選擇直接領取得標金或將得標金導人資金管理，若未得標騎行魏。具冑金冑求之非保 200929047 戶若為房資轉貸需求者或新購屋貸款需求者，則講買保險作為其或有資產以增強還款能力（未來若因意外而無法還款，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），並以房屋做為擔保品，㈣取得過渡性魏供其償還料錄清縣款項，以及取得競標額度進入平台競標；若得標，得標金用於償還過渡性贷款，·若未籠行存款。若該非保戶為膽购融資需求者，則自由選 β 擇是雜胃鎌’但仍叫紐為娜以X取觀魏度參與競標；若得標，可選擇直接領取得標金或將得標金導入資金管理；若未得標則存认。暫無貸款需求之保戶或非保戶則不需出具擔保品直接進入資金競標機制存款，成為儲蓄者。以下將本發明之實施方式配合圖式詳細描述：圖係-本發明之處理保戶參與或有資產講屋保險平台建置之 ® 方法触®。具房魏㈣款絲之保戶經由客戶·介面進入平台 (101)’平台進行客戶屬性需求分類（1〇2)，將客戶區分為三種需求類型：房屋抵押融資需求⑽）、房貸轉貸需求（104)、新騰屋貸款需求（105 )。房屋抵押融資需求者不需要過渡性贷款因此直接進入擔保品及保單鐘價步驟⑽）；房貸轉貸需求者需要過渡性贷款以償還在其他金賴構之原、錢，酬屋魏需求者需要舰性貸款以缴清其講屋款項，因此，於該房貸需求提出⑽）後，進入擔保品及 200929047 保單鑑價步驟（107)。房屋抵押融資需求者、房貸轉貸需求者、新購屋貸款需求者接受鑑價後，平台詢問客戶是否類屬需要過渡性貸款者 (108)。若為需要過渡性貸款者，則進行過渡性貸款作業（109)，賦與過渡性貸款額度及競標額度，而後詢問客戶該過渡性貸款是否足夠 (ill) ’若客戶認為該過渡性貸款額度不足使用，則平台詢問客戶是否增提擔保品（114)，若是，則重新進行擔保品及保單鑑價（1〇7)，若否，則退出平台（117)或以單純儲蓄者之身份於該資金競標機制進行存款，藉由存款之蓄積產生自然累積之競標額度以備未來參與競標之用；若客戶認為該過渡性貸款額度足敷使用，則參與資金競標 (no)，若得標，則以得標金償還過渡性貸款（118)，若未得標則進行存款（II3)。料需雜餘，啦接參赌錢標〇1〇)，若未得標，則客戶進行存款（113);若得標，則平台詢問是否將得標 ® 金導人平”金管理（II2)，若是，聽得標金導人資金管理（115)，若否’則撥付得標金給與客戶（116)。圖二係一本發明之處理非保戶參與或有資產購屋保險平台建置之方法流賴。具房屋融f餘需求之非保戶經由客戶使用介面進入平台（201) ’平台進行客戶屬性需求分類（2〇2)，將客戶區分為三種需求類型：房屋抵押融資需求（203)、房貸轉貸需求（2〇4)、新騰屋贷款需求（2〇5>房屋抵押融資需求者直接進入擔保品鑑價步驟 11 200929047 (2〇6)，之後選擇是否購買保單（2⑻；若否，則直接參與資金競標 ⑶）’若是’則進行保單購w⑽）後，參與資金競標（2ΐι 若未得標，則直接進行存款（215)，若得標，則平台詢問是否將得標金導入平台資金管理（216);若是，則將得標金導入資金管理（219)，若否，則撥付得標金給與客戶（22〇>房貸轉貸需求者需要過渡性贷款以償還在其他金融機構之原房贷，新購屋貸款需求者需要過渡性贷 ❹ 款以繳清其購屋款項，因此，於該房貸需求提出（207)後，進入擔保品鑑價步驟（209) ’平台完成鐘價後，進行過渡性貸款作業（212 )，賦與過·攸職及賴概後，關_渡性錄是否足夠 (213);若客戶認為該過渡性貸款額度不足使用，則平台詢問客戶是否增提擔保品（214)，若是，則重新進行擔保品鑑價（2()9)，若否，貝!客戶退出平台（218)或以單純存款者之身份於該資金競標機制進 β 仃存款’藉由存款之蓄積產生自Μ狀賴額度以備未來參與競標之用；若客戶認為該過渡性貸款額度足敷使用，則選擇保單進行購買並接受過渡性貸款（217)，而後參與資金競標（211 );若得標，則以得標金償還過渡性貸款（221)，若未得標，則進行存款（215)。圖二係一本發明之或有資產購屋保險平台建置系統圖。該系統 (302)有一伺服器（3〇4) ’藉由網路、有線及無線通訊方式供客戶（301)以電腦、手機、PDA等裝置，透過客戶使用介面（3〇3) 12 200929047 與飼服器（304)進行連結，同時伺服器（3〇4)亦與其連結；該伺服器（304)藉通訊網路、有線通訊裝置、無線通訊裝置與客戶（3〇1) 做即時女全之訊息交換，·词服器（3〇4)並與資料庫（Μ])及各模組連結’各模組將資料、訊息及結果分別存入資料庫（312)。該或有資產購屋保險平台建置系統（3〇2)進一步包含以下模組：一客戶屬性需求分類模組（3〇5):本模組接收該客戶（3〇1)透 ® 過該客戶使用介面（303)所提出之房屋融資貸款需求，首先將客戶分成保戶及非保戶，再依房屋抵押融資需求、房貸轉贷需求、以及新購屋貸款需求’聽戶客戶及雜戶客戶各區分為三類需求者本模組並將結果存人資料庫（312)，完成或有資產構屋保險平台建置之客戶需求分析處理動作； -擔保品及保單鑑價模組（306):本模組隨時自資料庫擷取具房 Ο 雜求之客戶名單後’針對該類客戶進行擔保品鑑舰，賦與過渡性貸款額度及競標額度’若客戶認為該過渡性貸款額度不足使用，則本模組詢問該客戶⑽）是否增提擔保品，若該客戶同意，則本模組對該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；若該客戶不願意增提擔保品’則該客戶退出平台或以單純存款者身份參與該資金競標制自織賴獅度轉賊標。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 13 200929047 (301)並將資料存入資料庫（312); 一過渡性貸款作業模組（307):本模組隨時自資料庫（312)擷取同意接受過渡性貸款額度者之名單，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（3〇1)，並將資料存入資料庫（312); 一保單處理模組（308):本模組隨時自資料庫（312)擷取具房 ® 魏押融資需求且統擔保品鑑價作f之非保戶名單，貞責詢問該名單之客戶⑽）是否購買保單，並要求已接受過渡性貸款額度之非保戶房貸㈣需求者錢祕戶觸屋魏需求_魏單，處理前述三類需求客戶之保單的相關手續，通知客戶⑽）缴交保費，定期將保單資料傳送至祠服器（3〇4)及存入資料庫⑽），並透過客戶使用介面（303)公布之； ❿ —資金競標交易模組（3〇9):本模組提供-資金競標機制由客戶 ⑽）進行㈣難，本歡輯财參與賴之客戶賴標標金，經由伺服器⑽）運算、處理、分析、交又崎、執行後選取一個、上之參,、競標客戶為彳寸標者，將_結果傳送至舰器（3⑽）透過客戶使用介面⑽）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（叫内之一平台交割帳戶之個人子帳戶’該平台交割帳戶之個人子帳戶除了作為存款之用外，尚可作為 200929047 -標後之未來各期繳付還款之帳戶，詢問得標之是否將得標金導入平台資金管理，並接收該客戶㈤）之回覆戶將將未得標客戶、未參與競標客戶、得標客戶之_資訊傳送至理賠及結算交割模組（311)’並將前述結果存入資料庫（犯》以下詳述本模組之資金競標機継作方式；料，由模組訂定每期會金、缴費間隔及缴費舰；把每射金乘崎費驗就等於客戶向本機繼標的標的資金，客戶可以在_投遞_意按該期數支付攤還的利息，此利息即客戶競標之標金，該資金競標交易模組即計算、分析比對眾多標金’並選取-舰上之參錢標之客戶為得標者；若得標，客戶即可獲得彳f標金（總標金）；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： ❹The household-type' then completes a home financing loan operation through a policy that the customer has purchased or chooses to purchase to complete a home financing loan operation; - the collateral listening to the face-to-face group's (4) processing points For the customers of the new collateral and the purchaser's loan s seeker, after the client has proposed the loan and submitted the bill for the price, the needle _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The customer of the financing demander, through the customer's demand for materials and the collateral and seldom to do the trick, the needle touches the settlement and carries out the price evaluation operation; a transitional loan for the honest group, the rib calculation customer (four) __ transition Interest on a sexual loan 'This is the result of the miscellaneous silk, which is the result of the miscellaneous goods and the weaving operation of the silk thread. The interest of the financial loan is calculated through the miscellaneous work pool, and the interest payment notice is sent to the customer. Processing module for processing - non-guarantee households choose the m-line related guarantees, silk, enamel, nuclear and nuclear axis version of the function; - the fund bidding transaction module 'used to handle a customer participation - Capital bidding machine (4) standard operation; 200 929047 A fund management operation module, which is used to process one of the funds generated after the bidding mechanism of the customer participates in the bidding process, and to calculate the fund management profit and loss immediately; a claim settlement and settlement delivery module for processing the customer When the claim item specified in the purchased policy occurs, the claim for claim is processed, and a claim payment, payment, and processing of the cash flow generated in all system operations are handled. [Embodiment] ❹ The invention is an insurance company or a related financial institution that combines insurance coverage, policy value, and housing value with a capital bidding mechanism to make savings purchases. The insurance “contingent assets” and the unit price of insurance are built. Supported home insurance platform; under this structure, policyholders and non-guarantees, capital demanders and savers with no capital needs can participate. Policyholders and non-guarantees who do not have financial needs can directly enter the funds to make deposits. The policy of the policyholder's mortgage loan to the creditor is called the house as the listener, the value of the collateral of the bribe is used to obtain the financial surplus, the original miscellaneous money, and the bidding quota to participate in the bidding; If the bid is obtained, the bid will be used to repay the transitional loan; if it is not awarded, the deposit will be made. The policyholders of the policyholders of Newcastle (that is, the mortgage financing of the house with their own and paid mortgages) also use the house as a collateral, enhance the value of the collateral with the policy, and obtain the bidding quota to participate in the bidding; You can choose to directly obtain the standard or obtain the funds to manage the funds, if you do not get the standard. Non-guarantee 200929047, who is a member of the public, is required to purchase insurance as its contingent asset to enhance the repayment ability (in the future, if it is unable to repay due to an accident, then The claim for the insurance will be used to pay the repayment to ensure that the customer owns the ownership of the house, and the house is used as a collateral. (4) Obtaining the transitional Wei for repaying the amount of the county, and obtaining the bid amount Platform bidding; if the bid is obtained, the winning bid will be used to repay the transitional loan. If the non-guarantee is a demand for financing, then the free choice of β is a miscellaneous stomach. But it is still called New Na Na to take the Wei Wei to participate in the bidding; if the bid is obtained, you can choose to directly obtain the bid or will get The fund is introduced into the fund management; if it is not obtained, it will be recognized. A policyholder or non-guarantee who does not have a loan requirement does not need to issue a collateral to directly enter the fund bidding mechanism deposit and become a saver. The embodiments of the present invention are described in detail below with reference to the drawings: Figure - The method of the present invention for the policyholders participating in or implementing the asset-based insurance platform. The policy holders of Weiwei (4) Silk have entered the platform (101)' platform through customer interface to carry out customer property demand classification (1〇2), and differentiate customers into three types of demand: housing mortgage financing demand (10)), mortgage loan demand (104), New Tengwu loan demand (105). Housing mortgage financing demanders do not need transitional loans, so they directly enter the collateral and policy price step (10)); mortgage-to-loan demanders need transitional loans to repay the other gold, the money, the need for the need The ship loan is used to pay off the money for the house. Therefore, after the mortgage demand (10) is submitted, the collateral and the 200929047 policy evaluation step (107) are entered. After the mortgage financing demander, the mortgage loan demander, and the new home loan demander accept the price, the platform asks the customer whether the class needs a transitional lender (108). If a transitional loanr is needed, then a transitional loan operation (109) is given, a transitional loan amount and bidding amount are assigned, and then the client is asked whether the transitional loan is sufficient (ill) 'If the customer thinks that the transitional loan amount is insufficient If used, the platform asks the customer whether to add the collateral (114), and if so, re-certify the collateral and the policy (1〇7), if not, withdraw from the platform (117) or as a simple saver The fund bidding mechanism deposits, and the natural accumulation of bidding quota is generated by the accumulation of deposits for future bidding; if the customer believes that the transitional loan amount is sufficient for use, the participating capital bid (no), if the bid is obtained, Repay the transitional loan (118) with the winning bid, and deposit if it is not awarded (II3). If you do not get the bid, the customer will make a deposit (113); if the bid is obtained, the platform will ask if the bid will be awarded. If yes, listen to the fund guide fund management (115), if not, then pay the bid to the customer (116). Figure 2 is a treatment of non-guarantee households participating in the construction of an insurance or insurance platform The method of arbitrage depends on the non-guarantee who has the housing needs to enter the platform (201) through the customer interface (the platform for customer attribute demand classification (2〇2), the customer is divided into three types of demand: housing mortgage financing needs (203), mortgage loan demand (2〇4), new Tengwu loan demand (2〇5> Housing mortgage financing demanders directly enter the collateral valuation step 11 200929047 (2〇6), then choose whether to buy a policy ( 2(8); if not, directly participate in the fund bidding (3)) If the policy purchase (w), then participate in the fund bidding (2ΐι if the bid is not obtained, then directly deposit (215), if the bid is obtained, the platform asks if Get the standard gold import platform fund management (216); Yes, the fund will be introduced into the fund management (219). If not, the fund will be paid to the client (22〇> The mortgage loan demander needs a transitional loan to repay the original mortgage of other financial institutions. The purchaser of the home loan needs a transitional loan to pay off the purchase price of the house. Therefore, after the mortgage demand is raised (207), the collateral step (209) is entered. (212), after the assignment, dereliction of duty and affiliation, whether the duty record is sufficient (213); if the client believes that the transition loan amount is insufficient, the platform asks the customer whether to increase the collateral (214). If yes, re-confirm the collateral (2()9), if not, the customer exits the platform (218) or enters the 竞 deposit as a simple depositor in the capital bidding mechanism' by the accumulation of deposits Self-sufficiency is used for future bidding; if the client believes that the transition loan amount is sufficient, then the policy is selected to purchase and accept the transitional loan (217), and then participate in the bidding (211); , to win the standard Gold repays the transitional loan (221), and if it does not win the contract, it deposits (215). Figure 2 is a system diagram of the contingent asset insurance platform for the invention. The system (302) has a server (3〇) 4) 'With the network, wired and wireless communication methods for customers (301) to connect with the feeding device (304) through the customer interface (3〇3) 12 200929047 by means of computers, mobile phones, PDAs, etc. The device (3〇4) is also connected thereto; the server (304) uses the communication network, the wired communication device, the wireless communication device and the client (3〇1) to do the instant female message exchange, and the word server (3〇4) ) and the database (Μ) and the modules are connected to each module to store the data, messages and results in the database (312). The contingent asset insurance platform construction system (3〇2) further includes the following modules: a customer attribute demand classification module (3〇5): the module receives the customer (3〇1) through the customer Using the housing financing loan demand proposed by the interface (303), the customer is first divided into policyholders and non-guarantees, and then according to the mortgage financing needs of the house, the mortgage loan demand, and the new home loan demand, 'listening customers and miscellaneous customers Divided into three types of demanders, this module will be stored in the database (312), and the customer needs analysis and processing actions completed by the asset-building insurance platform will be completed; - collateral and policy valuation module (306): This module can obtain the customer list of the customer from the database at any time after the list of clients with the housing pleading, and the collateral loan quota and the bidding quota for the customer. If the customer thinks that the transition loan amount is insufficient, The module asks the customer (10) 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; if the customer does not willing If the collateral is added, the client withdraws from the platform or participates in the bidding system as a simple depositor. This module evaluates and manages the collateral and determines the transition loan amount. The above results are transmitted to the customer 13 200929047 (301) and the data is stored in the database (312); a transitional loan operation module (307) ): This module collects the list of those who agree to accept the transitional loan amount from the database (312) at any time, calculates the interest of the transitional loan, and transmits the transition loan related information such as the interest amount to the customer (3〇1), and The data is stored in the database (312); a policy processing module (308): the module is available from the database (312) at any time to obtain the non-guarantee of the housing company® Weibu financing demand and the unified collateral price for f The list, the customer (10) who is responsible for asking the list, whether to purchase the policy, and the non-guarantee mortgage that has accepted the transition loan amount (4) the demander's money, the customer's demand for the house, Wei Wei, the policy of the above three types of customers Relevant procedures, notify the customer (10)) to pay the premium, periodically transfer the policy information to the server (3〇4) and deposit the database (10), and publish it through the customer interface (303); ❿ - fund bidding transaction Module (3〇9): The module provides - the fund bidding mechanism is carried out by the customer (10). (4) Difficult, this Huan Ji Cai participates in the customer's Lai standard bid, via the server (10)), calculates, processes, analyzes, pays, and selects one. Participate in the bidding, the bidding customer is the standard bidder, and the result is transmitted to the ship (3(10)) through the customer interface (10). The customer who has not won the bid and has not participated in the bidding will deposit the deposit into the claim settlement and settlement delivery module. (Individual sub-account of the platform delivery account of the platform] In addition to being used as a deposit, the personal sub-account of the platform delivery account can be used as an account for the payment of repayments in the future period of 200929047. Whether to transfer the winning funds to the platform fund management and receive the customer (5)), the respondent will transfer the unsuccessful customers, the non-bidding customers, and the winning customers to the claims and settlement delivery module (311). The above results are stored in the database (Prisoner). The following is a detailed description of the method of bidding for the capital of the module; it is expected that the monthly payment, payment interval and payment ship will be set by the module; Waiting for the test The customer can return the target funds to the machine. The customer can pay the amortized interest in the _ delivery _ according to the period. The interest is the bid of the customer, and the bidding transaction module calculates and analyzes the many bids. 'And select - the customer on the ship's participation in the standard is the winner; if the target is obtained, the customer can get the 彳f standard gold (total standard gold); the calculation of the standard gold, from the interest payment has the following two Calculation formula: Interest paid first: ❹

An = (U- Ιή) x ((N - n))+(Ux(n~ 1)) 利息後支付：An = (U- Ιή) x ((N - n))+(Ux(n~ 1)) Pay after interest:

An = (Ux(N-ri))+(Ux(n-V))+J^n 其中An = (Ux(N-ri))+(Ux(n-V))+J^n where

An:表示第n期得標者可取得的總標金 U:表示會金 Ν:表示總期數 15 200929047 η:表示資金競標之期數 In:表示第η期之標金。若沒得標’則客戶可依得標者出示的標金來賺取利息； -資金管理作業模組（31Q):本模组接收理賠及結算交割模組 (311)所傳送之房屋抵押融資需求者之得標金，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 e 值傳送至伺服器（3G4)及存人資料庫（312)，並透過客戶使用介面 (303)公布之；理賠及結算父割模組（311):本模組接收過渡性贷款作業模組 (307)、資金競標交易模組⑽）、保單處理模組（3⑻、資金管理作業模組（310)所傳送之訊息，進行理賠申請 '理賠認定及理賠金額計算，處理所有有關該或有資產購屋保險平台建置之現金收付，如 ❹ 錄料之㈣、錢财制纟、未參與難找神款者所缴交之存款、參與競標❼未得標者之各期存款、處理過渡性贷款之撥付、將房貸轉貸需求者及新購屋貸款需求者之得標金償還過渡性房贷、將房屋抵押融資需求者之得標金導入資金管理或將得標金直接撥付與該二類客戶、收取得標後之未來各期還款、返還資金管理餘額、給付理賠金等結算交割處理之步驟，並將前述結果存人資料庫（祀）。以下列舉具體實施例說明之： 16 200929047 實施例一李君是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，目的在參與該保險公司所運作之資金競標機制，以活化房產所積壓之資金，獲取投資收益。 A保險公司除了對其房產進行鑑價，也將李君的保單納入鑑價範圍。A保險公司評估李君的房產市價約2,200萬，為求穩健，a保險 ® 公司認為李君可從房產獲得競標額度1，3〇〇萬’再加上其原有保單現金價值635萬所衍生之競標額度50〇萬，以及此次李君自願加購之壽險保額600萬元所衍生之競標額度100萬，李君得到總競標額度19〇〇萬元，但李君認為該競標額度超過所需，因此只動用1〇〇〇萬之競標額度。李君以該競標額度參與每月一期、每期單位款項$8〇〇〇〇元、為〇期十年之資金競標機制，第1個月時，李君並未得標，而當期得標者之標金為$8,000元，因此繳交存款$72,〇〇〇元（$8〇,〇⑻一An: indicates the total amount of gold that can be obtained by the winner of the nth period. U: indicates the amount of the meeting. Ν: indicates the total number of periods. 15 200929047 η: indicates the number of periods of capital bidding. In: indicates the standard amount of the η period. If the standard is not obtained, the customer can earn interest according to the standard gold presented by the target; - Fund Management Module (31Q): This module receives the mortgage financing transmitted by the settlement and settlement delivery module (311). The demander receives the standard fund and converts it into investment assets and manages the funds. This module is responsible for real-time calculation of the fund management profit and loss. The net asset value of the asset is periodically transmitted to the server (3G4) and the depositor database (312). Announced through the customer interface (303); Claims and settlement parent module (311): This module receives the transition loan operation module (307), the fund bidding transaction module (10), and the policy processing module (3 (8), The fund management operation module (310) transmits the message, and proceeds to the claim application 'claim determination and claim amount calculation, and handles all cash receipts and payments related to the contingent asset purchase insurance platform, such as 录 recording materials (4), money The deposits made by those who are not involved in the difficult to find God, the various deposits that have not won the bid, the disbursement of the transitional loan, the demand for the mortgage loan and the demand for new home loans Gold repayment transition Loan, the bidders of the mortgage financing needs of the people will be introduced into the fund management or the direct payment of the bid will be paid to the second-class customers, the future repayments after receiving the bid, the return of the fund management balance, the payment of claims, etc. The steps of processing and storing the foregoing results in a database (祀). The following is a description of specific embodiments: 16 200929047 Example 1 Li Jun is a policy holder of A Insurance Company, who will own and pay the house of mortgage To apply for mortgage financing to A insurance company, the purpose is to participate in the capital bidding mechanism operated by the insurance company to activate the backlog of funds in the real estate and obtain investment income. A. In addition to the price of the property, the insurance company will also pay Li Jun’s policy. Incorporate the scope of the price. A insurance company evaluates Li Jun's real estate market price of about 22 million. In order to be stable, a Insurance® company believes that Li Jun can obtain a bid of 13,000 yuan from the property plus his original policy cash. The bid amount of 6.35 million derivative is 500,000 yuan, and the bidding amount of 6 million yuan for the life insurance premium of Li Jun’s voluntary purchase is 1 million. Li Jun gets the total bid. The degree is 190,000 yuan, but Li Jun believes that the bid amount exceeds the required amount, so only 1 million bids are used. Li Jun participates in the monthly issue and the monthly payment of $8 per unit. Qian Yuan, the ten-year fund bidding mechanism, Li Jun did not win the bid in the first month, and the bidder of the current bidder was $8,000, so he paid a deposit of $72. $8〇,〇(8)一

$8,000 = $72,〇〇〇)，自第2個月至第47個月結束，李君皆未得標，因此，依各期當時得標者之標金進行存款，在第個月時，李君以 $7,200元之標金得標，共取得$9 〇〇16〇〇元（（伽，2⑽）X (120期-48期）+ $80，_ x (招期―期卜$9〇〇16〇〇)，李君決定將該得標金交由A保險公司進行資金管理。 17 200929047 自第49個月起’李君每個月繳交$8〇，_元之還款給與A保險 a司至第UG個月結束時完成所有雜，李君向A保險公司領回所有先前交由A鎌公料行資金f理的款項及其投資報酬。實施例二方君並非A保險公司之保戶，他將原本在B銀行辦理的房貸轉〇 S A保險公司辦理，A雜公司進行房屋鐘價後，願意承接方君未還清之房貸餘額38〇萬元，於是核定一過渡性貸款額度及一參與資金競標機制之競獅度給與方君，方君同意接受該額紐，依據A保險公司對非保戶之房貸客戶的要求，方君必需選擇購買壽險或房屋贷款保險’以確保方君之房屋所有權以及增強保險公司之債權保障；方君凡成壽險保單之購買後，A保險公司賦與方君_過渡性貸款以償還 ❹原房貸，之後’方君以A保險公司所賦與之競標額度45()萬元參與每月-期、每期單位款項$25，_元、為期十五年之資金競標機制，自第1個月至第110则結束’方君皆未得標，因此每月根據當期得 "^者之標金槪交存款；第1Π個月時，方君峨,7⑻元之標金得標，取得得標金$4,357,700 元(（$25,000-$1，700) χ (180 期—lu 期）+ 5’000 X (m期〜1期）=$4,357,700))，於償還過渡性貸款後，方君領取剩餘之得標金，並於第112個月至第180個月，每月繳交 $25,〇〇〇元之還款給與a保險公司。 18 200929047 實施例三曾君為A保險公司之保戶，張君則否，曾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，於是曾君及張君參與A保險公司之資金競標機制進行存款，不參加競標，成為純粹儲蓄者。曾君參與每j -期、每鮮錄項$1〇，_元、躺三年之資金競標機制進行存款，第1麟，得標者所出之標金為$⑽元，曾君存入W90元（卿00 —獅=$919〇)，該筆存款於第36期時’成為本利和$10，_元；第2期時，得標者所出之標金為獅元，曾君存入$9,200元（$1〇,〇〇〇 — $800 = $9 2〇〇)，該筆存款於第36期時，成為本利和$1〇,〇〇〇元；第3期至第乃期曾君皆以此方式進行存款·，第36 f君_他在平台累積之存款及利息共 $360,000 元（$ι〇，_ χ 36 期=$36〇，_)。張君參與每月一期、每期單位款項$50,000元、為期二年之資金競標機制進行存款’第1期時，得標者所出之標金_，i5G元，張君存入$45·元（$50,_ 一 $4，15〇 = $45,85〇)，該筆存款於第 μ 期時’成為本利和$50，_元；第2期時’得標者所出之標金為$3 73〇元’張君存入 $46,270 元（$50,000 - $3,730 = $46,27〇)，該筆存款於第24期時’成為本利和$50,000元；第3期至第％期張君皆 200929047 以此方式進行存款；第24期時，張君領回他在平台累積之存款及利息共$1,200,000 元（$50,000 父24期=$1，200,000)。張君於前述之資金競標機制期間結束後，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。 ϋ Α保險公司對張君之房產進行鑑價，評估張君的房產市價約 1，500萬元，A保險公司因此授與張君競標額度900萬元，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’因此略過保單構買流程，直接進入資金競標機制。張君衡量手中每個月之閒置現金只足夠繳付每期$7〇,〇〇〇元之單位款項，於是決定只動用420萬元之競標額度，參與每月一期、每期 _ 單位款項$70,000元、為期五年之資金競標機制，第丨個月時，張君並未付標’而當期得標者之標金為$6,500元，因此缴交存款$63 5〇〇元（$70,000 - $6,500 = $63,500)，自第2個月至第50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！期） =$4,087,970)’張君決定將該得標金交由八保險公司進行資金管理。 20 200929047 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。總結上述，本發明有以下優點： 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 φ 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。 ❺ 2.本發縣合保_造—筆或有資產讓參與平台的要紅都能在風險保障底下’完成人生的築屋夢想。 3.本發明的保險平台，係利用會員存借一體的方式聚集房貸資金。房貸資金由保險客戶共同承擔，並以利息競價的方式，決定孰先孰後的肖順序，結^^使^^險#贷客彳能卩較似彳帛使用「一價到底」的房屋錄’保險謂在沒有驗下，穩當的賺取手續費，讓保險產品轉化為金融服務商品。 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 21 200929047 斷出價，以爭取到比市場條件更好的還款利率。 5. 本發明建物的躲狀料’可献(後餘細，並促進保險客戶的忠誠度。 6. 本發明建構的保險平台，其資訊的對稱性和互動性反映網路時代的金融產品特性，使保險商品向銀行領域傾斜，增加現金流量，擴大利基。 ❹ 22 200929047 【圖式簡單說明】圖一係一本發明之處理保戶參與或有資產購屋保險平台建置之方法流程圖。圖二係一本發明之處理非保戶參與或有資產購屋保險平台建置之方法流程圖。圖三係一本發明之或有資產購屋保險平台建置系統圖。$8,000 = $72,〇〇〇), from the 2nd month to the end of the 47th month, Li Jun did not win the bid. Therefore, according to the standard of the winners at the time of the period, the deposit was made. In the first month, Li Jun won the bid for $7,200, and won a total of $9,16,300 ((G, 2(10))X) (120-48) + $80,_ x (招招期期期$9〇〇16〇〇 Li Jun decided to hand over the winnings to A Insurance Company for fund management. 17 200929047 Since the 49th month, 'Li Jun paid $8 per month, and the repayment of _ yuan to A Insurance Division At the end of the UG month, all the miscellaneous items were completed. Li Jun took back all the funds previously paid by A’s public funds and their investment remuneration to the A insurance company. The second example is not the insurance policy of the A insurance company. He transferred the mortgage loan originally handled by Bank B to the SA insurance company. After the house price of A miscellaneous company, he was willing to accept the balance of the mortgage loan that Fang Jun did not pay off, which was 380 million yuan, so he approved a transitional loan quota and participated. The competition for the fund bidding mechanism is given to Fang Jun, and Fang Jun agrees to accept the amount, according to the insurance company’s mortgage customers for non-guarantees. Seeking, Fang Jun must choose to purchase life insurance or home loan insurance 'to ensure Fang Jun's house ownership and enhance the insurance company's claims protection; after the purchase of Fang Jun Fan Cheng life insurance policy, A insurance company and Fang Jun _ transitional loan to repay ❹ The original mortgage, after the 'Fang Jun with A insurance company's bid amount of 45 () million to participate in the monthly - period, each period of the unit payment of $ 25, _ yuan, a 15-year fund bidding mechanism, since the first From the end of the month to the end of the 110th, 'Fang Jun has not won the bid, so the monthly deposit is based on the standard of the current period. In the first month, Fang Junyi, 7 (8) yuan of the standard bid, won The standard is $4,357,700 (($25,000-$1,700) χ (180 period-lu period) + 5'000 X (m period~1 period)=$4,357,700)). After repaying the transitional loan, Fang Jun receives the remaining The standard deposit, and from the 112th month to the 180th month, pays $25 per month, and the repayment of the Qianyuan is given to an insurance company. 18 200929047 Example 3 Mr Tsang was the policyholder of A Insurance Company. Zhang Jun did not. Zeng Jun and Zhang Jun only wanted to earn interest through deposits. Both of them had no housing loan demand and no other financing was required. Zeng Jun and Zhang Jun participated in the fund bidding mechanism of A Insurance Company to deposit, and did not participate in the bidding, becoming a pure saver. Zeng Jun participated in the deposit of $1〇, _yuan, and three-year funds bidding mechanism for each j-period, every fresh record, the first Lin, the winner of the bidder was $(10), and Zeng Jun deposited into W90 ( Qing 00 — lion = $ 919 〇 ), the deposit was 'become a profit and $ 10, _ yuan in the 36th period; in the second period, the winner was awarded the lion yuan, and Zeng Jun deposited $9,200 ($1〇) , 〇〇〇 — $800 = $9 2〇〇), when the deposit was in the 36th period, it became the profit and $1〇, the 〇〇〇元; the third period to the first period, Zeng Jun made the deposit in this way. The 36th f _ he accumulated a total of $360,000 in deposits and interest on the platform ($ 〇, _ χ 36 = $36 〇, _). Zhang Jun participates in the monthly issue, the monthly payment of $50,000, and the two-year fund bidding mechanism for the deposit 'the first period, the winner's standard _, i5G yuan, Zhang Jun deposits $45. ($50 , _ a $4,15〇= $45,85〇), the deposit was 'beneficiary and $50,_yuan in the period of the μ; in the second period, the winner of the winner was $3 73〇 Zhang Jun deposits $46,270 ($50,000 - $3,730 = $46,27〇). The deposit was 'beneficiary and $50,000 at the 24th period; the third to the first period Zhang Junjun 200929047 deposits in this way; No. 24 At that time, Zhang Jun received back his deposits and interest on the platform for a total of $1,200,000 ($50,000 parent 24 = $1,200,000). After the end of the aforementioned capital bidding mechanism, Zhang Jun 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 bidding of the fund bidding mechanism. Invest in the investment income by activating the backlog of funds. ϋ Α Insurance company appraised Zhang Jun’s real estate and assessed Zhang Jun’s real estate market price of about 15 million yuan. A insurance company awarded Zhang Jun a bid of 9 million yuan. Later, because Zhang Jun is not the insurance company of A insurance company. A insurance company asked Zhang Jun whether to buy a policy, Zhang Jun did not need to 'thus skip the policy purchase process, directly into the capital bidding mechanism. Zhang Jun measured that the amount of idle cash in each month was only enough to pay $7 per unit, and the unit amount of Qianyuan, so he decided to use only the bid amount of 4.2 million yuan to participate in the monthly period, each period _ unit payment of $70,000 Yuan, a five-year fund bidding mechanism, Zhang Jun did not pay the standard in the first month, and the current bidder's standard gold was $6,500, so the deposit was paid $63.50 ($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 of each period, the deposit was made. At the 51st month, Zhang Jun was $4,670. The bid was awarded a total of $4,087,970 (($70,000-$4,670) X (60 issues, 51 issues) + $70,000 x (51 issues 1 period) = $4,087,970)' Zhang Jun decided to hand over the winning bid to the eight insurance company. Carry out fund management. 20 200929047 Since the 52nd month, Zhang Jun paid a monthly repayment of $70,000 to an insurance company, and completed all repayments by the end of the 60th month. Zhang Jun returned all previous payments to A Insurance Company. Funds managed by A Insurance Company and their investment returns. Summarizing the above, the present invention has the following advantages: 1. The present invention creates a deposit-purchase platform for direct depositors who want to buy a house in the future, a borrower who is currently buying a house, and a saver who wants to apply an existing house investment arbitrage. The deposit and loan integration method allows those who want to buy a house in the future to choose to deposit on the platform according to their own purchase plan. Those who have already bought the house can also transfer funds to participate in the platform. Those who are now buying a house can bid on the market and obtain The savings arbitrage is carried out; the mortgage insurance households enter the platform to bid for the purchase of housing funds, and the repayment of the mortgage at a fixed amount of “one price to the end” after the bid is obtained can exempt the interest rate risk of the mortgage customers. ❺ 2. The county's joint insurance _ make-pen or assets to allow the participation of the platform's red can be under the risk protection to complete the dream of building a house of life. 3. The insurance platform of the present invention collects mortgage funds by means of a member deposit and loan. The mortgage funds are jointly borne by the insurance customers, and the interest order is used to determine the order of the first squad, and ^^^^^^^########################################################### 'Insurance means that if you fail to test it, you will earn a fee and convert insurance products into financial services. 4. The purpose of the present invention is to provide a repayment condition for a mortgage loan member to be able to obtain a better repayment rate than the market conditions. 5. The escaping material of the invention can be provided (after the fineness, and promote the loyalty of the insurance customer. 6. The insurance platform constructed by the invention, the symmetry and interaction of the information reflects the characteristics of the financial products in the network era To make insurance products tilt to the banking sector, increase cash flow, and expand the niche. ❹ 22 200929047 [Simplified Schematic] Figure 1 is a flow chart of a method for handling the construction of a policyholder's participation in an insurance or insurance platform. Figure 2 is a flow chart of a method for processing non-guarantee households participating in or having an asset purchase insurance platform. Figure 3 is a system diagram of a contingent asset purchase insurance platform.

23 200929047 【主要元件符號說明】客戶 301 或有資產購屋保險平台建置系統 302 客戶使用介面 303 伺服器 304 客戶屬性需求分類模組 305 擔保品及保單鑑價模組 306 過渡性貸款作業模組 307 保單處理模組 308 資金競標交易模組 309 資金管理作業模組 310 理賠及結算交割模組 311 資料庫 312 Ο 2423 200929047 [Description of main component symbols] Customer 301 Ownership Insurance Platform Construction System 302 Customer Interface 303 Server 304 Customer Attribute Requirements Classification Module 305 Collateral and Policy Valuation Module 306 Transitional Loan Operation Module 307 Policy Processing Module 308 Fund Bidding Trading Module 309 Money Management Operating Module 310 Claims and Settlement Delivery Module 311 Database 312 Ο 24

Claims

200929047 X. Scope of application for patents: A method for the establishment of a contingent asset insurance platform, which includes the classification of customer attribute requirements and the mechanism of capital bidding, so that the customer_customized attribute requirements can be classified through the purchased policy. Completion-home financing loan operation, so that the customer participates in the bidding 'repayment, the supplementary fund management materials to participate in the dragon, earning the standard interest rate, the method includes:

The customer is classified into the customer's attribute requirements, and after analyzing the personal data submitted by the customer, 'classified into three non-sexual silks', and then linked to the fund through the policy that the customer has purchased or selected to purchase. The bidding quota is to complete the financing of the housing financing, and it is expected to participate in the bidding quota of the fund bidding mechanism by the customers who participate in the fund; to handle the customer participation in the fund bidding mechanism;

According to the results of the customer's participation in the capital bidding mechanism, the loan and repayment of the surplus loan of the house will be completed. 2. For the method described in item 1 of the Fan Park, the customer attribute demand classification operation refers to dividing the customer into a mortgage financing demand and a mortgage loan demand after analyzing the personal data submitted by the customer. And - three types of new home loan demand. 3. If you apply for the method described in item 2 of the Fan Park, the customer's further steps include: the policyholder, that is, the insured or the asset-purchasing platform, before the platform is built, the policyholder of the platform is 25 200929047; And the non-guarantee, that is, the insured household who is not the operator of the platform before entering the escrow insurance platform. 4. The method of claim 3, wherein the platform operator may be an insurance company or a financial institution of various types or a legal person who cooperates with the above.

5. The method of claim 1, wherein the home financing loan operation further comprises: by the customer attribute demand test, the customer whose classification is the job transfer loan demand or the new home loan demand is proposed After the loan demand, the system will carry out the collateral and policy evaluation work mentioned by the customer; and classify the customer as the collateral financing, and splicing the collateral and policy certificate from the customer Price operation. 6. The method of claim 5, wherein if the customer is a non-guarantee, in the collateral and policy operation steps, the customer only needs to submit the collateral to be evaluated by the system, wherein When the customer completes the bidding for one of the bidding operations of the collateral and the guarantee fund bidding mechanism, 7. If the method of the method described in item 5 of the application scope is single-price-operating, obtain a participation degree of the customer's The ship's standard, in order to get the mark - get the standard gold. Such as the method described in the first item of the scope of the kiss, in which the financing loan operation is further 26 8. 200929047 contains: If the customer, the face of the new domain, the customer touches the _ product and the policy clock operation after the operation of the system The customer uses the interface to ask if a transitional loan is required. If necessary, the system will conduct a transitional loan operation. If not, the system allows the customer to directly participate in the fund bidding mechanism. 9. The method of claim 8, wherein the transitional loan refers to the result of obtaining the temporary financing of the collateral and the policy after the privilege is completed by the clerk, To complete the housing financing loan operation. The 8th lion-like method of the scope of the month of the month, the towel of the New Zealand-transitional loan operation will be the amount of the job loan after the system operation, if the customer responds by the system, the excess loan is sufficient, 贞彳 Direct participation in the fund bidding mechanism If the customer responds to the excess loan through the system, the system will ask the customer whether to add collateral through the customer interface. 11. If the method described in item 1G is applied, the system will use the customer to use the customer to increase the collateral. If yes, the collateral will be added and the collateral and policy will be re-executed until The transitional loan is sufficient. If not, the system will ask the client to withdraw from the platform or participate in the competitive bidding quota of the fund bidding mechanism as a simple depositor to participate in the bidding. For example, the method described in item 1 of Shen Qing (4), in which the housing loan operation is further 27 200929047 contains: If the customer is a non-guarantee and is the customer of the mortgage financing demand, after completing the collateral price operation You can choose whether to purchase the policy. If you choose to purchase, you will participate in the fund bidding mechanism after the policy purchase. If you choose not to buy, you will participate directly in the fund bidding mechanism;

If the customer is a non-guarantee and is the customer of the mortgage loan demand or the new home loan demand customer, after the completion of the collateral valuation operation, the transition loan operation is performed, if the customer responds to the transition through the system. After the loan operation, the over-lending loan is sufficient', the system will ask the customer to choose the policy to construct the purchase and weave the transition loan with the customer, and then allow the customer to participate in the fund bidding mechanism' if the customer responds via the system After the transitional loan operation, the over-insurance loan will be used to ask the customer whether to add collateral through the customer interface. 13. The method of claim 10, wherein the system uses the customer interface to ask whether the customer adds a collateral, and if so, adds the collateral and re-enters the collateral to listen to the single job. It is sufficient to have a straight-forward and miscellaneous loan. If not, the system will ask the customer to withdraw from the platform or participate in the competitive bidding quota of the fund bidding mechanism as a simple depositor to participate in the bidding. The method of claim 1, wherein the step of processing the customer to participate in the bidding of the capital 28 200929047 comprises: if the customer has a system-granted transitional loan, when the customer wins the bid, the resulting The standard is used to repay the transitional loan; and if the customer has no system-granted transitional loan, when the customer wins the bid, the system will use the customer interface to ask the customer whether to import the winning bid into a platform. Fund management 'If yes, the fund management will be conducted. If not, the system will allocate the winning fund to the client. 15. The method of claim 1, wherein the step of processing the customer to participate in the fund bidding mechanism further comprises:, customer participation> depositing when the bidding mechanism fails to win the bid or fails to participate in the bidding. The system for the establishment of an contingent asset purchase insurance platform includes: a customer attribute requirement splitting group 'for processing—the customer performs the customer attribute demand classification, and after analyzing the personal data submitted by the customer, classifying into a mortgage transfer Loan demand, - new home loan demand and - mortgage financing needs, one of the three different attribute demand customers, and then through the customer's purchased or selected purchase of the policy link - the amount of funds bid to complete - home financing loan operations; The collateral and policy appraisal module is used to deal with the customer classified as the mortgage loan demander or the new house loan demander, and the client asks for the need to hide the demand and proposes 29 200929047 a collateral for settlement , needle _ listening to the county to carry out a price operation 'and the tree wonderful _ her _ 嶋该 this customer' after the customer raised the loan demand and proposed the collateral and policy for the price of the bell, the needle collateral and the policy Carry out the mine operation; • Transitional f-operations, and the interest of the sexual loans made by Xiaosaki’s financial households’ The result of riding out after the single-price operation, the interest of the transitional loan is calculated by the New Zealand operation module, and the payment notice is sent to the customer; the policy processing module is used to process the customer selection of the non-guarantee The policy to be gambling to buy the 'mains to protect, hear, listen, New Zealand and the various functions linked to the miscellaneous mechanism; Capital bidding and miscellaneous group 'Lai processing - customer return and funds fine _ bidding operation; - Fund management for the dragon The group, after the transfer of the customer's participation in the post-subsidy, the standard fund is introduced - the platform fund management, and the capital management profit and loss is calculated immediately; and the claim settlement and settlement succession group's policy with the selected customer's _s The required claims items are issued, and the claims are processed, and the claims are recognized, paid, and processed in all system operations. 200929047 π. If you apply for the secret mentioned in item 16, the collateral and price module further includes: If the customer is a non-guarantee, the customer only needs to submit the collateral in the valuation operation. The collateral and the policy price module then carry out the valuation work for the collateral proposed by the customer. ❹ 18. The system described in item 6 of the scope of the request, in which the customer completes the collateral and the policy _ _ _ _ the listener and solution _ health, will transfer - participate in the bidding operation of the fund bidding mechanism - The bidding amount, the customer can participate in the bidding according to the bidding amount, and obtain the winning bid by winning the bid. 19. The system as claimed in item 16 of the application, wherein the claim settlement and settlement delivery module further comprises: processing the disbursement and repayment of the transitional loan; φ purchasing and paying the premium; and generating the capital bidding mechanism The deposit payment, the winning bids are introduced into the platform for fund management or the repayment of the deposits with the policyholders and the certified funds; and the fund collection and settlement of funds management operations. 20. The system of claim 16 further comprising: a server for coordinating the customer attribute requirement classification module, the collateral and the policy evaluation module, the transitional loan operation module, the policy Processing module, the capital 31 200929047 gold bidding transaction module, the fund management operation module, the information, data and amount exchange between the claim settlement and settlement delivery module; a customer interface for transmitting the customer and the All information between the servers; a database for storing information related to the amount of information exchanged by the server.

32