200929048 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 一個互助式資金交易平台。保險方得利用平台競標的機制，擴大保險 利基’排除利差風險，賺取手續費；並讓購屋者得以上場競標，以取 得「一價到底」的低利率購屋款項，使將來想購屋的儲蓄者也可以獲 得優於市場水準的利息。 【先前技術】 根據先進國家的經驗，個人理財資金有超過4〇%屬於高資產理 財市場，屬於退休儲蓄，25%投資在共同基金，剩下不到一成的 資金才是屬於壽險資產。這項資料告訴我們，壽險業在這場金融商品 〇 賴赛中，有越來越被邊緣化的趨勢；在台灣，儘管參與壽險的人口200929048 IX. Description of the invention: [Technical field to which the invention pertains] The invention belongs to the field of insurance for financial e-commerce, and aims to create a mutual aid fund transaction platform by using network technology. Insurers can use the mechanism of platform bidding to expand the insurance niche to 'exclude the spread risk and earn a fee; and allow homebuyers to bid on the market to obtain a low-interest purchase price of "one price in the end", so that they want to buy a house in the future. Savers can also earn interest above market levels. [Prior technology] According to the experience of advanced countries, more than 4% of personal wealth management funds belong to the high-asset financial market, which belongs to retirement savings, 25% of which are invested in mutual funds, and less than 10% of the funds are life insurance assets. This information tells us that the life insurance industry is increasingly marginalized in this financial commodity competition; in Taiwan, despite the population involved in life insurance
保險業的困境，來自於人民生活水準的提高，傳統壽險商品對生 t見在’客戶需要的是「重大風險」 對於「重大風險J的保障，客戶 對於「資產配置」的客戶群，則 计的保障，已不能滿足客戶的需要；現在 的保障以及「資產配置」型的保險。對贫 採取純保_彳織方式來規避風險，對方 200929048 尋求或有資產投保概念以及投資型保單來規劃。 保險業基本上就疋經營長天期利率和風險管控的行業。長天期 利率的經營，使保險資金和膽結下不解之緣；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 險商品的範嘴中。因此，如何使將來想買房子的存款者，就要買 Ο 房子的借款者，錢借力使力想·現有的房顯大射的投資者， 集合在-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 f〇r pr〇viding a Une 〇f credit secured by an assignment of a life insurance policy” ’ 提出利用壽 〇 險提健肖額度保顯祕及綠，较-贿供紐給疾病末期及 年老者之壽險系統。然而，此專利是根據被保險者的健康情況及財務 變數來管理，目此其祕會借重資料庫、鎌、專家絲分析被保險 人之信用狀況。此外，此發明以壽險保單作為信用額度之擔保，只能 根據系統結果先行撥款給保戶救急，資金並無其他運用空間；美國專 利編號 US 5,864,828 之 Personal financial management system for creation 〇f a client portfolio of investment and credit facilities where 5 200929048 fimds 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，由各種不同的資產擔保。然而，為了 放款金融機構的安全性，房屋持有者的總資產必定要高於某些標準， 〇 且資金用途上只能用於投資’在大環境不佳時投資人極易面臨被清償 的命運；美國專利編號us 5,025，138之” Method and system providing verifiable line of credit information” ’ 提出一金融機構利用申 請人之保單價值為擔保品，擔保申請人可透支借記卡之方法與系統， 此專利利賴單價值上_獨特性擔絲單持有者的信用，然而可透 支借記卡之信用額度使用範圍較小，多半只用於消費，對於投資購屋 0 等’並無太大幫助。 上述諸多的解決方案，都祇是保單價值的片面利用，而沒能為保 險業界出謀劃策，提出-個向銀行界傾斜，發揮擴大保險金流管道的 功能；因此’如何運祕險操作長天期資金的能力，將之引導到房贷 市場上，使保險商品既負有瓣避險的功能，亦擴大資金的流量規 模，實是我們所期待的。 6 200929048 【發明内容】 本發明創造一種購屋保險之方法，包含有：當一客戶進入一平台 後’該平台會依據該客戶之階段性需求，處理該客戶存款及房屋融資 貸款作業，以及當該客戶完成該房屋融資貸款評估後，授與該客戶一 過渡性貸款、一競標額度，並導入一資金競標組合。 本個建構-¾魅碰之祕，包含：—擔保品祕單鑑價模 0 組，用以處理-客戶所提出之一擔保品及保單以供鑑價後，針對該擔 保品及保料行-鑛作業，聽^及鮮賴值，該擔保品 及保單鑑讎組會根觸獅品及料賴值、該客彳聽本資料及 當時經濟狀況，計算得出能賊與該客戶之—貸款嫩，同時另有一 競標額度’可縣客彳於縫錢標組合餅綠；—财保險處理 模組’用以處理該客戶所購w之—還款保險，進行相财請、要保、 © 審理、核保、核發之各項功能；一抵押與質借設定模組，肖以處理經 過該擔保品及保單鑑價作業後之擔保品及保單之價值抵押與質借設 定，-過渡性貸款作業模組，用以處理該客戶所需之一過渡性贷款之 賦與，該過渡性貸款，係指經由該平台完成該擔保品及保單鐘價作業 後所計算得出之結果，以賦與該客戶可用之暫時融通資金，以完成該 房屋融資貸款作業之用；-資金競標組合交易模細，用以處理一客戶 參與-資金競·合之競標μ作業；—t金管理作賴組，用以處 200929048 理該客戶參與該資金競標組合交祕標後所產生之—總得標金導入 一平台資金管理，並即時計算該平台資金管理損益；以及一理賠及結 算交割模組’用祕理該客戶觸買之該還款保賴規定理賠項目發 生時之理賠4求’並進行-理賠金認定、給付，及所有該平台運作中 所產生之金流收付作業之處理。 【實施方式】 Ο 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、房屋價健合t錄標卿賤雜冑雜祕的，建置以保險 「或有資產」和鮮價值為支獅購祕險平台；在此架構下，保戶 及非保戶，已有房屋的借款者（即以自有、6繳清殺之房屋進行抵 押融資者）、料需求者、計_細屋的存款者（即暫無資金需求 者）’皆可參與。計娜麵屋之保戶及雜戶可直接進人資金競標 機制存放。房貸需求者以房驗為擔保品、轉單增強擔保品價值， 用以取得過渡性貸款供其償還縣贷或缴清購屋款項，以及取得競標 額度用以參舰標，並購胃還雜險作為其或有t產以增強還款能力 (未來若目人身意相無法絲，麟紐之理賠金觸以缴付還 款’以確保該客戶擁有房屋之所有權）並保障保險公司或相關金融機 構之債權；若龍，職雜金麟償奴雜錄；若未得標，則 8 200929048 、以保單增強擔保 進行存款。已有房屋的借款者細房屋做為擔保品 品價值，取得競標額度參與競標；若得標則可選擇直接領取總得標金 或將總得標金導人資金管n未得。 以下將本發明之實施方式配合圖式詳細描述： ❹The dilemma of the insurance industry comes from the improvement of people's living standards. The traditional life insurance products are seen in the 'customer needs is 'significant risk'. For the protection of major risks J, the customer's customer base for "asset allocation" is counted. The protection of the company can no longer meet the needs of customers; the current protection and "asset allocation" type of insurance. For the poor, adopt pure insurance _ 彳 方式 来 规 规 , , , , , 290 290 290 290 290 290 290 290 290 290 290 290 290 290 290 290 290 290 290 290 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 ambitions incomprehensible; insurance companies do not invest funds in the mortgage loan market, or invest in the allocation of real estate. It is a pity that for many years, no one in the insurance industry has attempted to incorporate the important elements of human life into the mouths of insurance products. Therefore, how to make a depositor who wants to buy a house in the future, it is necessary to buy a borrower of the house, and the money lends to the investors who want to make a big splash in the existing house, and gather on a platform to create one. The business model of spread risk, which can expand 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 f〇r pr〇viding a Une 〇f credit secured by an assignment of a life insurance policy” 'Propose the use of life insurance to improve the security of the amount of security and green, compare - Bribes are provided to the life insurance system for the end of the disease and the elderly. However, this patent is managed according to the health status and financial variables of the insured, so that the secret will use the database, the expert and the expert to analyze the credit of the insured. In addition, the invention uses the life insurance policy as a guarantee for the credit line, and can only allocate funds to the policyholders according to the system results. The funds have no other space for use; the US patent number US 5,864,828 Personal financial management system for creation 〇fa client portfolio Of investment and credit facilities where 5 200929048 fimds are distributed 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, the personal financial management program can simultaneously consider individual Financial goals, pre- Calculate, as well as environmental variables, economics, risks, etc., and automatically recommend investors portfolios and tools. The invention has a variety of repayment methods and schedules, and is guaranteed by a variety of different assets. However, in order to secure the financial institutions, the total assets of the homeowners must be higher than certain standards, and the use of funds can only be used for investment. 'Investors are vulnerable to being liquidated when the environment is poor. Destiny; US Patent No. 5,025,138 "Method and system providing verifiable line of credit information" 'Propose a method and system for a financial institution to use the applicant's unit price as a collateral to guarantee the applicant's overdraft debit card. The patent is based on the value of the _ uniqueness of the single-license holder's credit, but the credit limit of the overdraft debit card is used in a small range, mostly for consumption, and does not help much for investing in a house. Many of the above solutions are only one-sided use of the value of the policy, but failed to provide advice for the insurance industry, suggesting that it will be inclined to the banking sector to play the role of expanding the insurance flow pipeline; therefore, how to operate the long-term funds for the secret insurance operation The ability to guide it to the mortgage market, so that insurance products have both the function of hedge and the scale of the flow of funds, is what we are looking forward to. 6 200929048 [Invention] The present invention creates a method for purchasing home insurance, comprising: when a customer enters a platform, the platform will process the customer deposit and home financing loan operations according to the customer's phased demand, and when After the customer completes the evaluation of the housing financing loan, the client is granted a transitional loan, a bidding quota, and a capital bidding combination is introduced. The secret of this construction -3⁄4 charm touch, including: - collateral secret list pricing model 0, for processing - one of the collateral and policy proposed by the customer for the price, for the collateral and the insurance company - The operation of the mine, listening to the value of the product and the value of the policy, the collateral and the policy will be based on the value of the lion and the material, the customer's listening to the information and the current economic situation, and calculate the thief and the customer - The loan is tender, and at the same time, there is another bidding quota. 'The county customer can sew the money label combination cake green; the wealth insurance processing module' is used to deal with the customer's purchase of the repayment insurance, for the mutual wealth, to protect, © Trial, underwriting and verification functions; a mortgage and quality loan setting module, Xiao to handle the value collateral and warranty setting of collateral and policy after the collateral and policy valuation work, transitional a loan operation module for processing the transfer of a transitional loan required by the customer, the transitional loan refers to the result calculated after completing the collateral and the policy price operation through the platform, Temporary financing with the customer to complete the housing The use of capital loan operations; - the combination of funds bidding and trading, to deal with a customer participation - capital competition and bidding μ operation; - t gold management team, used to place 200929048 to participate in the fund bidding combination After the secret label is issued, the total amount of gold will be introduced into a platform fund management, and the platform management and profit and loss of the platform will be calculated immediately; and a claim settlement and settlement delivery module will use the secret method to purchase the repayment of the customer. Claims at the time of the project 4 seek 'and conduct-claims recognition, payment, and all processing of the cash flow generated in the operation of the platform. [Embodiment] Ο The invention is an insurance company or a related financial institution that combines insurance coverage, policy value, and housing price to record the secrets of the standard, and builds insurance "or assets" and fresh The value is the lion purchase secret insurance platform; under this structure, the policyholders and non-guarantees, the borrowers of the existing houses (that is, the mortgage financing of the houses owned by themselves, 6 paid for killing), the demand for the materials, _Silver depositors (that is, those who do not have any financial needs) can participate. The policyholders and miscellaneous households of the meter house can be directly deposited into the capital bidding mechanism. The mortgage demander uses the house inspection as the collateral and the transfer order to enhance the value of the collateral. It is used to obtain the transitional loan for repaying the county loan or paying the purchase price, and obtaining the bidding amount to participate in the ship’s bid. It may have a production capacity to enhance the repayment ability (in the future, if the person is unable to pay attention, Lin’s claim will pay the repayment to ensure that the customer owns the ownership of the house) and protect the insurance company or related financial institutions. Claims; if Long, the job is mixed with the numeracy; if it is not awarded, then 8 200929048, with the policy enhanced guarantee deposit. The borrower's fine house of the existing house is used as the value of the collateral, and the bidding quota is obtained to participate in the bidding; if the bid is obtained, the total amount of the winning bid may be selected or the total amount of the fund may be obtained. The embodiments of the present invention are described in detail below in conjunction with the drawings:
圖一係-本侧之互助式或有資產購祕險平台之方法流程圖。客戶 (20。經由客戶使用介面⑽）進入平台⑽），平台詢問客戶是 否有房貸或資金需求⑽），許’則直接進人資金競標機制存款； 若是’則進行雜品及保單鑑價⑽）。在擔保品及保單賴過程， 客戶提出其房屋融資#款之標的不，由平台進行價值聰平台 經審核’得ίϋ-娜品及料贿值’平台根據該娜品及保單總價 值、客戶的基本資料及當時經濟狀況，計算得出_賦與客戶之一贷 款額度，_另有-麵額度，可供客戶於資金競標組合進行競標， 二者可相等。賦與客戶-貸款額度之後，錢詢問貸款額度是否足夠 (104) 。若客戶確認貸款額度不足使用，則平台詢問是否增提擔保品 (105) ’若是，則再次進行擔保品及保單鑑價（1〇3);若否，則客户 退出平台（1G8)或轉純存款者雜參触資金娜細自然累積 競標額度以參與競標。若客戶確認貸款额度足夠使用，則客戶進入還 款保險作業（106)購買還款保險，該還款保險提供壽險、意外險、 失能險等保障，若客戶將來因人身事故未能按期償還過渡性貸款或未 9 200929048 犯按期償還其自冑錢触合巾得標所轉之款項，紐雜將負責 償還私項。將擔保品設定抵押及保單設定質借（即。完成抵押及質 借設定後，平台詢問客戶是否需過渡性貸款⑽），若否則平台直 接將客戶導人f錢標組合（11());若是則平台賦與客戶過渡性貸 •t人（111)供其償還原房貸或繳清購屋款項後，平台將客戶導入資金 競‘』α (110)。客戶進人資金競標組合後俟組合人數額滿後開始 雜右純者為已有房屋的借款者，則平台依其意願將總得標金導 入-貝金管理或撥付客戶；若得標者為房求者卿台將總得標金 償還該客戶之過渡性貸款，未得標者則進行存款賺取利息。 圖-係-本發明之互助式或有資產購屋保險平台建置系統圖。該 系統（202)有-伺服器（204)，藉由網路、有線及無線通訊方式， 供客戶（201)以電腦、手機、PDA等裝置，透過客戶使用介面（2〇3) © 與伺服器（204)進行連結，同時伺服器（204)亦與其連結；該舰 器（204)藉通訊網路、有線通訊裝置、無線通訊裝置與客户（2〇1) 做一即時安全之訊息交換；伺服器（2〇4)並與資料庫（212)及各模 組連結，各模組將資料、訊息及結果分別存入資料庫（212>該互助 式或有資產購屋保險平台建置系統（202)進一步包含以下模組： 一擔保品及保單鑑價模組（205):本模組自資料庫（212)擁取 具房貸或資金需求之客戶名單，針對該類客戶進行擔保品及保單鑑Figure 1 is a flow chart of the method of mutual help or asset purchase secret insurance platform on this side. The customer (20. enters the platform (10) through the customer interface (10)), the platform asks the customer whether there is a mortgage or funding requirement (10), and the “direct” enters the capital bidding mechanism to deposit; if yes, the groceries and policy (10). In the process of collateral and policy, the customer proposes that the value of the housing financing # is not determined by the platform. The platform is valued. The platform is based on the value of the product and the total value of the policy. The basic information and the current economic situation, calculated _ give the customer a loan amount, _ additional - denomination, for customers to bid for the fund bidding combination, the two can be equal. After granting the customer-loan amount, the money asks if the loan amount is sufficient (104). If the client confirms that the loan amount is insufficient, the platform asks if the collateral is added (105) 'If yes, the collateral and policy are re-evaluated (1〇3); if not, the customer withdraws from the platform (1G8) or goes to pure The depositor misunderstood the funds and naturally accumulated the bidding quota to participate in the bidding. If the customer confirms that the loan amount is sufficient for use, the customer enters the repayment insurance operation (106) to purchase the repayment insurance, which provides life insurance, accident insurance, disability insurance, etc., if the customer fails to repay the transitional due to personal accidents in the future. Loan or not 9 200929048 The person will be responsible for repaying the private item if he or she repays the money transferred from the winning tactile towel. Set the collateral to set the mortgage and the policy to be loaned (ie, after completing the mortgage and quality loan setting, the platform asks the customer whether the transition loan (10) is required), otherwise the platform directly directs the customer to the money combination (11()); If the platform grants the customer a transitional loan to the customer (111) for the purpose of repaying the mortgage or paying the purchase price, the platform will introduce the customer to the capital “α” (110). After the customer enters the capital bidding combination, after the amount of the combination is full, the right-handed person is the borrower of the existing house, and the platform will import the total amount of the standard gold according to his will--Beijin management or disbursement of the customer; The seeker Qingtai will have to pay the gold to repay the transitional loan of the customer. If the winner does not, the deposit will earn interest. Figure - System - The system diagram of the mutual aid or asset-purchasing insurance platform of the present invention. The system (202) has a server (204), which provides a client (201) with a computer, a mobile phone, a PDA, etc. through a network, a wired and a wireless communication device, through a client interface (2〇3) © with a servo The device (204) is connected, and the server (204) is also connected thereto; the ship (204) performs an instant and secure message exchange with the client (2〇1) by using a communication network, a wired communication device, and a wireless communication device; The device (2〇4) is connected to the database (212) and each module, and each module stores the data, the message and the result into the database respectively (212>; the mutual-assisted or asset-based insurance platform construction system (202) Further, the following modules are included: a collateral and policy pricing module (205): This module collects a list of customers with mortgage or capital requirements from the database (212), and conducts collateral and policy for such customers.
Ο 200929048 償’得出-擔保品及保單總價值，該擔保品及保單鐘 品及保單總價值、宏玲沾龙I& 爆嫕保 價值客戶術她當時嶋況， 與該客戶之貸款額度，同時另右⑽ 月_ 度门時另有一競標額度，可供客戶於資金競標組 合進行競標，若客戶認為贷款額度不足使用，則本模組詢問客戶⑽） 是否增提舰品，若客戶咐，縣模崎客續增提保品進行 鑑價後，錄_概_款_;若客戶獨意鞭聽品，則客 戶退出平台細單純存款者身份參與《金聽機制自《積競標 額度以參錢標。本池_聽錢行麵膽㈣歧職性贷 款額度，將前述結果傳送至該客户⑽）並將資料存入資料庫⑵2); -還款保險健池（2G6):本敝自f料庫（212)娜已接 受貸款額度之客戶名單’要求細客戶購f還款保險，進行相關申 請、要保、審理、核保、核發之各項功能及相關手續，通知客戶(2〇1) 繳父保費’疋期將保單資料傳送至伺服器（204)及存入資料庫（212)， 並透過客戶使用介面（203)公布之； 一抵押及質借設定模組（207):本模組自資料庫（212)擷取已 完成還款保險購買之客戶名單’處理該類客戶之擔保品的抵押設定及 保單的質借設定，將相關訊息傳送至客戶（2〇1 )，並將資料存入資料 庫（212); 一過渡性貸款作業模組（208):本模組自資料庫（212)擷取需 11 200929048 I過渡性貸款客戶之名單’威擔保品及料纖模組針對該類 客戶所核定之貸款額度，負責處理賦與客戶過渡性貸款之相關手續， 汁算過渡性貸款之利息，將利息金額等過渡性貸款相關訊息傳送至客 戶（201)，並將資料存入資料庫（212); 一資金競標組合交易模組（209):本模組提供一互助式資金競標 機制由客戶⑽）進行出價競標，本模組以各資金競標組合為單位， 〇 根據同一組合内所有參與競標之客戶的競標標金，經由伺服器（2〇4) 運算、處理、分析、執行後’自其中選取一個參與競標客戶為得標者， 將開標結果傳送至舰器（2〇4)透過客戶使用介面（2〇3)公布之， 通知未得標及未參韻狀客戶將存款存人鶴及結算交割模組 ⑽）内之-平台交讎戶之個人子帳戶，該平台交娜戶之個人 子帳戶除了作為存款之用外’尚可作為得襟後之未來各期繳付還款之 〇 帳戶’關得標之已有房㈣借款者是否雜得標金導人平台資金管 理，並接收該客戶（201)之回覆，將未得標客戶、得標客戶、未參 與競標客戶之相關資訊傳送至理賠及結算交割模組（叫，並將前述 結果存入資料庫⑵2);以下詳述本模組之互助式資金競標機制運作 方式，首先，蝴組訂定每期會金、缴費間隔及輯期數；把每期會 金乘以繳費練就雜客戶向本機纖獅標的資金，客戶可以在網 站投遞出願意按該期數支付攤還的利息，此利息即客戶競標之標金， 12 200929048 該資金競標組合交易;1¾、纽即計算、分析、比對同一組合内之標金，並 從各競標組合中各選取—個參與麵之客戶為得標者；若得標，客戶 即可獲得總得標金；總得標金的計算，從利息給付的先後，有以下兩 種計算式： 利息先支付：Ο 200929048 Reimbursement - the total value of the collateral and the policy, the total value of the collateral and the policy product and the policy, Hong Ling Zhanlong I & 嫕 嫕 value of the customer, her current situation, the loan amount with the customer, At the same time, there is another bidding quota for the right (10) month _ degree door, which can be used for bidding by the customer in the bidding combination. If the customer thinks that the loan amount is insufficient, the module asks the customer (10) whether to increase the shipping product. After the county Makizaki continued to increase the insurance products for the price, the record _ _ _ _; if the customer sings the product, the customer withdraws from the platform as a simple depositor to participate in the "golden listening mechanism from the "accounting quota" Money mark. The pool _ listening money line (4) discretionary loan quota, the above results are transmitted to the customer (10)) and the data is stored in the database (2) 2); - repayment insurance pool (2G6): this library from the f library (212) Na has accepted the customer list of loan quotas 'requires fine customers to purchase f repayment insurance, and carries out relevant functions, insurance, trial, underwriting, verification functions and related procedures, and informs customers (2〇1) to pay The parental premiums are transmitted to the server (204) and deposited in the database (212) and published through the customer interface (203); a mortgage and quality loan setting module (207): this module From the database (212), the list of customers who have completed the purchase of repayment insurance is processed to handle the mortgage setting of the collateral of such customers and the quality of the policy, and the relevant information is transmitted to the customer (2〇1), and the information is transmitted. Deposited in the database (212); a transitional loan operation module (208): This module is obtained from the database (212). 11 200929048 I Transitional loan customer list 'Wei collateral and fiberglass module for The loan amount approved by such customers is responsible for handling the transitional loans granted to customers. The relevant procedures, the interest on the transitional loan, the transfer of the loan-related information such as interest amount to the customer (201), and the data is stored in the database (212); a fund bidding combination trading module (209): This module provides a mutual aid fund bidding mechanism for bidding by the customer (10). This module is based on the bidding combination of each fund, and is based on the bidding of all bidding customers in the same portfolio, via the server (2〇) 4) After computing, processing, analyzing, and executing, select one of the bidding customers to be the winner, and transfer the result of the bid opening to the ship (2〇4) through the customer interface (2〇3). The standard sub-accounts of the platform and the unsettled customers will deposit the deposits and settle the delivery module (10), and the personal sub-accounts of the platform will be used as deposits. After the successful future payment of the repayment of the account, the account has been closed to the existing house (4) whether the borrower is miscellaneous with the fund guide platform fund management, and receives the customer (201) reply, will not be awarded Customer, The relevant information of the target customer and the non-bidding bidder is transmitted to the claim settlement and settlement delivery module (call, and the above results are stored in the database (2) 2); the following describes the operation mode of the mutual aid fund bidding mechanism of this module, firstly, the butterfly The group sets the amount of each session, the interval of payment and the number of periods; the amount of each session will be multiplied by the payment of the funds to the customers, and the customer can submit the willingness to pay the amortization according to the period. Interest, this interest is the bid of the customer bid, 12 200929048 The fund bidding combination transaction; 13⁄4, New is to calculate, analyze, compare the standard in the same combination, and select from each bid combination - one participation The customer is the winner; if the bid is obtained, the customer can get the total bid; the total amount of the standard is calculated from the interest payment, there are two calculation formulas:
An = {U- In) x {{N^n)) + (f/x (w_ j)) 〇 利息後支付： ^=(t/x(^-«))+(t/><(w_1))+g/. /=] 其中An = {U- In) x {{N^n)) + (f/x (w_ j)) Pay after interest: ^=(t/x(^-«))+(t/>< (w_1))+g/. /=] where
An.表不第n期得標者可取得的總得標金 U:表示會金 o N:表示總期數 η:表示資金競標之期數 In:表示第η期之標金。 若沒得私則客戶可依得標者出示的標金來賺取利息； 資金s理作業模組（21〇):本模組接收理賠及結算交割模組 ()所傳送之已有房屋的借款者之總得標金，將其轉成投資資產 並進仃資絲理’賴組貞責㈣計算資金管理顧，物將資產淨 值傳送至她器_及存人資料庫（朗，並透過客戶使用介面 13 200929048 (203)公布之； -理賠及結算交繼組（211):本模組接收過雜貸款作業模組 (208)、還款保險作業模組（2〇6)、資金競標組合交易模組（2〇9)、 負金管理作業模組（21〇)所傳送之訊息，進行理賠申請、理賠認定 及理賠金斯算，處輯有有職互助錢有資賴聽險平台之現 金收付，如收取保費、過渡性房貸利息、未參與競標之純粹存款者所 〇 繳交之存款、參與競標而未得標者之各期存款、處理過渡性貸款之撥 付、將房貸需求者之總得標金償還過渡性房貸、將己有房屋的借款者 之總得標金導入資金管理或將該總得標金直接撥付與該類客戶、收取 得標後之未來各期還款、返還資金管理餘額、給付理賠金等結算交判 處理之步驟，並將前述結果存入資料庫（212)。 以下列舉具體實施例說明之： 〇 實施例一 陳君是A保險公司之保戶，他將自有、已繳清房貸之房子向a 保險公司辦理抵押融資，目的在獲得競標額度，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，也將陳君的保單納入幾價範 圍^ A保險公司評估陳君的房產市價約1,500萬，為求穩健，a保險 公司認為陳君可從房產獲得競標額度900萬，再加上其原有保單現金 200929048 價值635萬所衍生之競標額度500萬，以及此次陳君自願加購之壽險 保額600萬元所衍生之競標額度100萬，陳君得到總競標額度15〇〇 萬元，但陳君認為該競標額度超過所需，因此只動用72〇萬之競標額 度。之後’陳君依A保險公司之要求購買還款保險，並將房屋交由 A保險公司設定抵押。 陳君以720萬元之競標額度參與互助式資金競標機制，進入每月 © 一期、每期單位款項$6〇,〇〇〇元、為期十年之資金競標組合，第1個 月時，陳君並未得標，而當期得標者之標金為$5,〇〇〇元，因此繳交 存牙人 $55,000 元（$60,000 — $5,〇〇〇 = $55,000)，自第 2個月至第 47個月結束，陳君皆未得標，因此，依各期當時得標者之標金進行 存款，在第48個月時，陳君以$4,700元之標金得標，共取得 $_1，600 元（（$60,0〇〇~$4,7〇〇) x (12〇 期_48 舶 + $%〇〇() x Q (48期一1期）=$6,801，600)，陳君決定將該總得標金交由A保險公 司進行資金管理。 自第49個月起’陳君每個月繳交$6〇，_元之還款給與A保險 公司，至第12〇個月結束時完成所有還款，陳君向A保險公司領回 所有先前交由A保險公司進行資金管理的款項及其投資報酬。 實施例二 周君並非A微公司之保戶，他將原本在B銀行辦理的房贷轉 15 200929048 至A保險a司辦理’以取得「一價到底」利息較低之房屋贷款。a 保險公司進行房屋鑑價後，願意承接周君未還清之房貸餘額汹萬 7C ’於疋核做嫩及—雜額度給姻君，周君㈤意接受該額 度後’依據A保險公司房貸客戶的要求，周君必需選擇講買還款保 險，以確保周君之房屋所有權以及增強保險公司之債權保障；周君完 成壽險保單之顧後，A保險公司顧君之縣設定购，並賦與周 © 君―過渡性魏以償_毅，之後，周君以A碰公司所賦與之 競標額度36〇萬元參與互助式資金競標機制，進入每月一期、每期單 位款項$20,000元、為期十五年之資金競標組合，自第1個月至第 110個月結束，周君皆未得標，因此每月根據當期得標者之標金繳交 存款；第111個月時，周君以$1，36〇元之標金得標，取得總得標金An. The total awarded gold that can be obtained by the winner of the nth period U: indicates the contribution gold o N: indicates the total number of periods η: indicates the number of periods of capital bidding In: indicates the standard amount of the η period. If there is no privacy, the customer can earn interest according to the standard gold presented by the bidder; The fund management module (21〇): This module receives the existing house delivered by the settlement and settlement delivery module () The borrower's total amount of the standard is transferred to the investment assets and is invested in the investment and management. The Lai Group is responsible for the calculation of the fund management. The net asset value is transferred to the container _ and the depositor database (Lang, and through the customer interface 13 200929048 (203) Announced; - Claims and Settlement Subsequent Group (211): This module receives the miscellaneous loan operation module (208), the repayment insurance operation module (2〇6), and the fund bidding combination transaction module. (2〇9), the information transmitted by the negative gold management operation module (21〇), the claim application, the claim determination and the claim compensation calculation, and the cash and payment of the hearing aid platform is supported by the mutual help money. Such as the collection of premiums, transitional mortgage interest, deposits paid by pure depositors who have not participated in the bidding, deposits of various periods that have not won the bid, participation in the processing of transitional loans, and the total amount of the recipients of the mortgage demand Repaying a transitional mortgage and lending a home The total amount of the standard gold is introduced into the fund management or the total amount of the winning bid will be directly paid to the customer, the future repayment of the target, the return of the fund management balance, the payment of the settlement payment, etc. The foregoing results are stored in the database (212). The following is a description of the specific embodiments: 〇In the first example, Chen Jun is a policyholder of the A insurance company, and he applies mortgage financing to a insurance company for his own house that has paid the mortgage. The purpose is to obtain the bidding quota and participate in the capital bidding mechanism operated by the insurance company to activate the backlog of funds in the real estate to obtain investment income. A. In addition to the price of the property, the insurance company also includes Chen Jun’s policy into several prices. Scope ^ A insurance company evaluates Chen Jun's real estate market price of about 15 million. In order to be stable, a insurance company believes that Chen Jun can obtain a bid of 9 million from the property, plus the original policy cash 200929048 worth 6.35 million derivative bid The quota is 5 million, and the amount of bidding for the life insurance premium of Chen Jun, which was voluntarily purchased by Chen Jun, is 1 million yuan. Chen Jun has a total bid amount of 150,000 yuan. However, Chen Jun believes that the bidding quota exceeds the required amount, so only the bidding quota of 7.2 million is used. After that, Chen Junyi purchased the repayment insurance at the request of the A insurance company, and the house was placed under the insurance of A insurance company. The bidding quota of 7.2 million yuan participates in the mutual aid fund bidding mechanism, and enters the monthly © first phase, each phase of the unit payment of $6 〇, 〇〇〇元, a ten-year fund bidding combination, the first month, Chen Jun did not Winning the bid, and the bidder of the current bidder is $5, 〇〇〇元, so paying the depositor $55,000 ($60,000 — $5, 〇〇〇 = $55,000), from the 2nd month to the 47th month At the end, Chen Jun did not win the bid. Therefore, according to the standard of the winners of each period, the deposit was made. In the 48th month, Chen Jun won the bid of $4,700, and obtained a total of $_1,600 ( ($60,0〇〇~$4,7〇〇) x (12〇期_48 Ship + $%〇〇() x Q (48 issues 1 period)=$6,801,600), Chen Jun decided to win the total bid Jinjiao is funded by A Insurance Company. Since the 49th month, 'Chen Jun paid $6 per month, the repayment of _ yuan to A insurance company, and all repayments at the end of the 12th month, Chen Jun brought back all the insurance company A The funds previously managed by A Insurance Company for fund management and their investment remuneration. Example 2 Zhou Jun is not a policyholder of A Micro Company. He transferred the mortgage loan originally handled by Bank B to 15 200929048 to A Insurance Division A to obtain a home loan with lower interest rate. a After the insurance company conducts house price appraisal, it is willing to undertake the balance of the mortgage that Zhou Jun has not paid off. 汹 7 7C ' 疋 做 做 做 — — — — — — — — — , , , , , , , , , , , , , , , , , , , , , , , , , , At the customer's request, Zhou Jun must choose to buy repayment insurance to ensure Zhou Jun's house ownership and enhance the insurance company's credit protection; after Zhou Jun completed the life insurance policy, A insurance company Gu Junzhi County set the purchase, and awarded Zhou © Jun-Transitional Wei _ _ Yi, after that, Zhou Jun took the bidding amount of 360,000 yuan from the company to participate in the mutual aid fund bidding mechanism, and entered the monthly, monthly payment of $20,000. The fifteen-year fund bidding combination, from the first month to the end of the 110th month, Zhou Jun did not win the bid, so the monthly deposit according to the current bidder's standard deposit; the 111th month, week Jun won the bid with a bid of $1,36, and won the total prize
$3,486，160 元（（$2〇,〇〇〇—$1,360 ) X (180 期—111 期）+$2〇,〇〇〇 X ◎ (111期—1期）=$3,486，160 )，於償還過渡性貸款後，周君領取剩餘 之總得標金’並於第112個月至第180個月，每月繳交$20,000元之 還#欠給與A保險公司。 實施例三 趙君並非A保險公司之客戶，他想藉由A保險公司之資金競標 機制以小額存款來進行投資，因此至A保險公司申請。A保險公司 進行房屋鑑價後，核定一貸款額度及一競標額度給與趙君，然而趙君 200929048 認為該額度縣滿足其投請f f金，乃要求A傭公辦高其贷 款額度。 A保險公司經過再次分析，認為已不能再核與趙君更高之貸款額 度，遂要求趙君增提擔保品。然而趙君名下除了上述房屋之外，並無 其他可供抵押_之不動產或可供質借之具有現金雛之保單，以致 於無法再提高其競標額度，因此趙君決定離開平台。 實施例四 林君並非A保險公司之客戶，他將原本在c銀行辦理的房貸轉 至A保險公司辦理，a保險公司進行房屋鑑價之後，願意承接林君 未還清之料鞠25〇料’於是核定-錄觀及―麵額度給杯 君’林君覺得不滿意，希望可以獲得更高額度使其能夠轉貸之餘也有 多餘t金能夠做投資。因此A保險公司詢問林君是否能夠增提其他 擔保品來增加其餘額度，因為林君訂尚有已珊雜之住宅，因 此A保險公司鑑價之後願意從房產提高林君之競標額度45〇萬，因 此林君再加上先前獲得之競標額度即擁有總競標額度700萬，林君決 义動用全部的絲額度。之後’赌依A紐公3要求H買還款保 險’並將房屋交由A保險公司設定抵押。 林君以700萬元之競標額度參與互助式資金競標機制，進入每月 —期、每期單位款項$50,000元、為期十年之資金競標組合，於該競 17 200929048 標組合人數額滿後即開始競標，由於林君認為最近投資行情看派，因 此第1個月時，林君便得標，當其得標鐵_元，因此林君獲得總 得標金 $5,474,000 ( ( $5〇，__$4〇〇〇 ) χ (12〇 期一丨期）= $5,474,000)，林君將總得標金拿出25〇萬交由a保險公司進行資金 管理。 自第2個月起’林君每個月繳交$5()，麵元之還款給與a保險 © 公司，至第120個月結束時完成所有還款，林君向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. 本發明舰-_蓄購好台，讓將絲買料的存款人、現在 正要買房子的借款人以及想應用現有的房子投資套利的儲蓄者利 用直接金融的存借一體方式讓將來想買房子的人，可依據自己的 講屋》十畫選擇先在平台存款，已有房屋者亦可轉贷參與平台，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。 2. 本發明結合保險創造一筆或有資產讓參與平台的要保人都能在風 險保障底下，完成人生的築屋夢想。 3. 本發明的保險平台，係利用會員存借一體的方式聚集房贷資金。 200929048 房貸資金由保險客戶共同承擔，並以利息競價的方式，決定孰先 孰後的先後使用順序；結果使保險房貸客戶能以較低利率使用「一 價到底」的房屋貸款，保險方則在沒有利差風險下，穩當的賺取 手續費，讓保險產品轉化為金融服商品。 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 斷出價，以爭取到比市場條件更好的還款利率。 5.本發魏物的縣錄平台，可敎鎌業絲圍，並促進保險 客戶的忠誠度。 6’本發明建構的彳締平自’其資訊的對稱性和互動性反映網路時代 的金融產^特性，使碰商品向崎賴爾，增滅金流量， 擴大利基。 200929048 【圖式簡單說明】 圖一係一本發明之實施方式流程圖。 圖二係一本發明之互助式或有資產購屋保險平台建置之系統圖。$3,486,160 (($2〇,〇〇〇-$1,360) X (180 issues - 111 periods) + $2〇, 〇〇〇X ◎ (111 issues - 1 period) = $3,486,160), repaying the transitional loan After that, Zhou Jun receives the remaining total winnings' and pays $20,000 per month from the 112th to the 180th month. Example 3 Zhao Jun is not a customer of A Insurance Company. He wants to invest in small deposits through the capital auction mechanism of A Insurance Company. Therefore, he applies to A Insurance Company. After the A-insurance company conducts the house appraisal, it approves a loan quota and a bid amount to Zhao Jun. However, Zhao Jun 200929048 believes that the county meets its application for f f gold, which requires A commission to publicly increase its loan amount. After another analysis, A Insurance Company believes that it is no longer possible to reconcile Zhao Jun with a higher loan amount and ask Zhao Jun to add collateral. However, in addition to the above-mentioned houses, Zhao Jun’s name has no other real estate that can be mortgaged or a cash-bearing policy, so that he can no longer increase his bidding quota. Therefore, Zhao Jun decided to leave the platform. In the fourth example, Lin Jun is not a customer of A Insurance Company. He transferred the mortgage loan originally handled by Bank C to A Insurance Company. After the insurance company conducts house price evaluation, he is willing to undertake the unsettled materials of Lin Jun. 'So it is approved - the record and the denomination to the cup Jun' Lin Jun feels dissatisfied, hoping to get a higher amount to enable him to transfer the loan and have extra money to make investment. Therefore, A insurance company asked Lin Jun whether he could add other collateral to increase his balance, because Lin Jun has a residential house that has been mixed, so A insurance company is willing to raise Lin Jun’s bid from the property after the price is assessed. Therefore, Lin Jun plus the previously obtained bidding quota, that is, the total bid amount of 7 million, Lin Jun decided to use all the silk quota. After that, “Gambling to buy a repayment insurance according to A New York 3” and handing over the house to A insurance company to set a mortgage. Lin Jun participated in the mutual aid fund bidding mechanism with a bid of 7 million yuan, and entered the monthly-period, per-unit unit payment of $50,000, a ten-year fund bidding combination, which began after the competition of 2009 2009. Bidding, because Lin Jun believes that the recent investment market is a faction, so the first month, Lin Jun won the bid, when he won the bid _ yuan, so Lin Jun won the total prize of $ 5,474,000 ( ( $ 5 〇, __ $ 4 〇〇 〇) χ (12〇期期期) = $5,474,000), Lin Jun will always receive 25% of the standard money to be paid by a insurance company for fund management. From the second month onwards, 'Lin Jun pays $5 () every month, and the repayment of the face is given to a insurance company, and all repayments are completed by the end of the 120th month. Lin Jun returns to A insurance company. All funds previously managed by A Insurance Company for fund management and their investment remuneration. Summarizing the above, the present invention has the following advantages: 1. The invention ship-_ purchases a good platform, and allows the depositor who buys the silk, the borrower who is currently buying the house, and the saver who wants to apply the existing house investment arbitrage directly. The financial 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 ten-painted paintings. The existing houses can also be transferred to the platform, and those who are now buying a house can enter the market. Bidding, obtaining and carrying out arbitrage; mortgage insurers enter the platform to bid for housing purchase funds, and repay the mortgage with a fixed amount of “one price at a time” after winning the bid, which can exempt the interest rate risk of the mortgage customers. 2. The invention combines insurance to create a contingent asset to enable the insured person of the participating platform to complete the dream of building a house in life under the risk protection. 3. The insurance platform of the present invention collects mortgage funds by means of a member deposit and loan. 200929048 The mortgage loan funds are jointly borne by the insurance customers, and the order of use is determined by the interest bidding method. As a result, the insurance mortgage customers can use the “one price” mortgage at a lower interest rate, and the insurance party is Without the risk of spreads, you can earn a fee and convert insurance products into financial services. 4. The purpose of the present invention is to provide a repayment condition for the mortgage of a mortgage member, and the member can continue to bid to obtain a better repayment rate than the market conditions. 5. This county's county record platform can be used to promote the loyalty of insurance customers. 6' The symmetry and interactivity of the information constructed by the present invention reflects the financial property characteristics of the Internet era, and makes it possible to increase the gold flow and expand the niche. 200929048 BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a flow chart of an embodiment of the present invention. Figure 2 is a system diagram of the construction of a mutual aid or asset-based home insurance platform of the present invention.
20 200929048 【主要元件符號說明】 客戶 201 互助式或有資產購屋保險平台建置系統 202 客戶使用介面 203 伺服器 204 擔保品及保單鑑價模組 205 還款保險作業模組 206 抵押與質借設定模組 207 過渡性貸款作業模組 208 資金競標組合交易模組 209 資金管理作業模組 210 理賠及結算交割模組 211 資料庫 212 〇 2120 200929048 [Description of main component symbols] Customer 201 Mutual-assisted or asset-based home insurance platform construction system 202 Customer interface 203 Server 204 collateral and policy evaluation module 205 Repayment insurance operation module 206 Mortgage and loan setting Module 207 Transitional Loan Operation Module 208 Fund Bidding Combination Transaction Module 209 Fund Management Operation Module 210 Claims and Settlement Delivery Module 211 Database 212 〇 21