201009736 ^ „ ,沛，氣Is 麵 m ^ \ L - 1 ,J J ^ .. .…… —4 赛卜…γ : 九、發明說明： 【發明所屬之技術領域】 本發明係有種年金_之電子商務，特财關於在運用網 路科技創造一互助式資金競標機制的年金契約之方法與系統。 【先前技術】 ❿ 4金保險雖然也是保險的一種，但在本質上它和人壽保險是有所 不同的。人壽做之目的主要在保障自身死亡過早（dying t00 soon) 而導致家庭收入損失之補償；而年金保險則在準備因生存過久 (living too long)所致個人收入減少之補償。前者在謀肉體死亡 之善後，後者在為餘生做準備。 購買壽險的人於-連串的保費支付後，所換得的是保^_& ❹ 事故發生後給付保險金予受益人之承諾；而年金保險於繳清購買後， 所換得的是保險人於生存期間定期支付一定之金額，也就是唯有在被 保險人活著時，才得享受一連串的年金給付。 近年來，全世界由於平均壽命的延長以及少子化的影響，使人口 結構趨於老化。根據日本聰麵調查：娜年日本全國人口的老 化率為14· 5% ’到了 2025年老化率將增為27. 4%，到了細年推估 將增為32. 2%。其次’由於產業結構的遽變，以往工業時代的終身偏 201009736 佣制不復存在， 年貝敛薪制跟著瓦解，個人的退休生涯規劃變成為人 生__的重要目標。因此，年金保險遂成為本世紀非常重要的商201009736 ^ „ , Pei, gas Is face m ^ \ L - 1 , JJ ^ .. ....... - 4 Saibu γ: 九, invention description: [Technical field of invention] The invention has an annuity _ E-commerce, special wealth method and system for the use of network technology to create an annuity contract for the mutual aid fund bidding mechanism. [Prior technology] ❿ 4 gold insurance is also a kind of insurance, but in essence it and life insurance are The difference is that the purpose of life is mainly to protect the loss of family income from premature death (dying t00 soon); and the annuity insurance is to compensate for the decrease in personal income due to living too long. The former is preparing for the rest of his life after the death of the physical body. The person who purchases the life insurance is paid after the series of premium payments, and the promise is to guarantee the guarantee of the beneficiary after the accident. After the annuity insurance is paid for, the insurance is exchanged for a certain amount of time during the life of the insurer, that is, only when the insured is alive, they have to enjoy a series of annuity payments. In recent years, due to the extension of average life expectancy and the impact of minority births, the population structure has tended to age. According to the survey of Japan’s Cong Noodle: the ageing rate of Nana’s national population is 14.5%. By 2025, the aging rate will increase. It is 27. 4%, and it will be increased to 32. 2% in the next year. Secondly, due to the transformation of the industrial structure, the past tenure of the industrial age of 201009736 no longer exists, and the annual salary system is disintegrated. The retirement career planning has become an important goal for life __. Therefore, annuity insurance has become a very important business in this century.
年金保險在日本已經有四十多年的歷史了，根據「國民生活基礎 s —」得4在间齡豕庭的所得中，公營年金的比例超過5〇%，且45% 以上的高齡家庭完全只依靠年金過活。反之在台灣，年金佔家庭的所 得替代率還不到25% ’這個數字表示年金在台灣還有很大的發展空 門二而’在台灣除了國民年金和企業年金之外，商業年金似乎還是 微不足道。 根據本案發明人長林_查研究認為：日本酙餘險發跡於 工業崎之終雜觸钱’在目民年金和企料錢合力推動下， 年金保險有其生存的空間、台灣在六、七〇年代的工業發展時期，是 籲 X加工裝配中小型企業為主體，其微薄的利潤根本無法再為其員工提 存生存年金。 在今天，處制路銳顺時代，#訊鱗讎和絲商品的活 絡’以二袖年利率2%的配息為基準的平準_方式之年金保險， 絕對無法滿足射於投㈣消費絲。，如何觀—個年金保險 平台，讓年金在繳費期間貼近資本市場，而能夠滿足各種風險偏好的 投資人’將是年金保險出線的重要契機。 201009736 ~ 3 、 - ' L[ hi> ί ^ ,\u ^ jt f ,* . d 美國專利公告號US 6,611，815「Meth〇d㈣办細f〇r Providing Account in an 細uity with Life 加㈣耐〜所 揭露之内容倾供-種要紅嫌後仍可轉做金醉金保險產 品，在-般年金保險產品通常只給付到魏人出險為止的前提下，此 專利案以其獨特之计算式為要保人累積帳戶價值，在被保險人出險後 仍可得到理賠。惟此專利案雖提供一種所謂的退還年金，其年金帳戶 之償值的累積方式仍不脫傳統方法，甚至可能犧牲要保人生前可得到 之年金以累積未來支付給受益人的理賠，本質上不脫傳統年金保險產 品0 美國專利公告號 US 7, 080, 032「Annuity Having Interest Rate Coupled to a Referenced Interest Rate」所揭露之内容係將年金 帳戶的基準利率隨一指標利率之變動向上調整，向下則不低於基準利 鲁 率，且在五年後可開始提領年金帳戶之餘額。此專利案雖為年金帳戶 之利率設定底限，免受總體環境利率下跌的影響。但若指標利率之選 擇過於保守，則年金帳戶之報酬率並無太大的成長空間，若指標利率 選擇過於積極，承作此年金保險的公司則承受魔大的利率風險，對購 買者和公司皆非最佳狀態。 美國專利公開號 US 2005/0187840「System and Process forAnnuity insurance has been in Japan for more than 40 years. According to the "National Life Foundation s-", the proportion of public pensions is more than 5%, and more than 45% of senior families are completely Only rely on an annuity to live. Conversely, in Taiwan, the replacement rate of annuity in the family is less than 25%. This figure indicates that the annuity still has a large development gap in Taiwan. In addition to the national annuity and enterprise annuity in Taiwan, the commercial annuity seems to be negligible. According to the inventor of the case, Chang Lin _cha research believes that: Japan’s 险 险 于 于 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在 在In the industrial development period of the dynasties, it was called X processing and assembly of small and medium-sized enterprises as the main body, and its meager profits could no longer save the survival annuity for its employees. Today, in the era of the road sharpening, the activity of the # 雠 scale and silk products is based on the two-sleeve annual interest rate of 2% of the grading _ way of the annuity insurance, absolutely can not meet the shooting (four) consumer silk. How to view an annuity insurance platform, which allows the annuity to be close to the capital market during the payment period, and investors who can satisfy various risk preferences will be an important opportunity for the annuity insurance to qualify. 201009736 ~ 3 , - ' L[ hi> ί ^ , \u ^ jt f , * . d US Patent Bulletin US 6,611,815 "Meth〇d (4) fine f〇r Providing Account in an fine uity with Life plus (four) resistance ~ The contents revealed by the confession - can still be transferred to the gold drunk gold insurance products after the red suspicion, under the premise that the general annuity insurance products are usually only paid to the Wei people, the patent case is based on its unique calculation formula. In order to save the accumulated value of the account, the insured can still obtain the claim after the insurance is in danger. However, although the patent case provides a so-called refund of the annuity, the accumulation of the compensation value of the annuity account is still not in the traditional way, and may even be sacrificed. The annuity that can be obtained before the life to accumulate the claims paid to the beneficiary in the future, in essence, does not deviate from the traditional annuity insurance products 0 US Patent Publication No. US 7, 080, 032 "Annuity Having Interest Rate Coupled to a Referenced Interest Rate" The content is adjusted upwards according to the change of the benchmark interest rate of the annuity account, and the downward rate is not lower than the benchmark Lilu rate, and the balance of the annuity account can be started after five years. This patent case sets a floor for the interest rate of the annuity account and is immune to the fall in the overall environmental interest rate. However, if the choice of the index interest rate is too conservative, the return rate of the annuity account does not have much room for growth. If the target interest rate is chosen too aggressively, the company that is responsible for this annuity insurance will bear the interest rate risk of the big, for the buyer and the company. Not all optimal. US Patent Publication No. US 2005/0187840 "System and Process for
Providing Multiple Income Start Dates for Annuities」所揭露 201009736 eatsaa 之内容係將贿人所敝料金本金分絲個子帳戶，各個子帳戶隸 屬於總帳戶，卻又侧獨立運作，使購買者得以有年金繳費及領取上 的彈性。此專利案有效地為購買人做栽險分散，但此專利案在連結 上並無突出之處，即類_買數個年金保險產品，此專娜可能徒增 購買人的困擾。 【發明内容】 综上所述，本發明提供一年金契約之方法與系统，以解決以上問 題，本發明之發明目的如下： 1.本發明架構一資金競標機制，讓年金存款的過程中從平準式的 固定利率缴費方式，成為變⑽、可自己決定的年金缴費方式。 2·本發明架構的資金競標機制，使用者的競標可以反映市場利率和 市場資金水位。當市場資金需求活絡時，投資商品暢旺，利率上 揚；市場資金趨緩時，投資商品少，利率下跌。當市場利率直接 反映在資金競標機制上時，客戶所參與的年金契約變成為具有資 訊對稱性的直接金融年金保險產品。 3. 本發明之年金保險具有保本保息，且是正報酬及高報酬的特性。 4. 本發明所建構的年金契約系統完全由使用者自主性操作，系統方 只負責投資標的和資產配置以供使用者選擇，風險由使用者自行 201009736 翁.¾寒; 5.本發簡年鑛約，魏人之存射滿錢赴料金、最低保 證年金，以及短醉金等各種年金的給付方式。 為達成上述目的’本發明提供—種年金契約之方法，其應用於一 年金契約系統，該方法包含有： 由該年金契、約系統之-年金契約處理模組接受一申請人所中請 及選擇之辭金躺，並接受斯請人哺人之-基本倾及一徵信 資料，由該年金契約處理模組審核該基本資料及該徵信資料，以決定 該申請人之該年金契約之一契約建立條件與一年金保障範圍； 由該年金契約系統之一信用評量模組對該申請人之該徵信資料 進行信用評量，以給予該申請人在參與該年金契約系統之競標時之一 競標額度； 等待參與競標之人數額滿’該人數與一競標期數相同，參與競標 之該申請人之該競標額度係大於或等於該年金契約之一競標交易組 合之一總會款； 由該申請人根據該競標額度進入該年金契約系統參與競標； 由該申請人輸入一投標金額於該年金契約系統，該年金契約系統 之一資金競標模組根據所有輸入之該投標金額以最高的投標金額作 為一得標金額並決定得標者， 由該年金契約系統之一金流處理模組根據該得標金額結算一總 201009736 __講__雜編義雜 mm 得標金、-存款金額與-還款金額，由該金流處频域難得標總 金額以存人得標之該申請人之—投魏戶、已存人未得標之該申請人 之一個人虛擬帳戶之該存款金額、及已得標之該申請人在每一會期所 繳納之該還款金額；以及 由該年金契約系統之一年金計算模組追蹤該年金契約所載示之 年金發放日期，並根據該投資帳戶之該總得標金經投資後之一投資淨 值或該個人虛擬帳戶之一存款金額與一本息收益金額計算所要給付 之年金，由該金流處理模組根據該年金契約之條件定期給付由該年金 計算模組所計算之年金給該申請人。 本發明提供一種年金契約系統，包含有： 一年金契約處理模組’用以接收一申請人申請一年金契約及所 填寫之一基本資料與一徵信資料’審核該基本資料與該徵信資料以決 定該申請人之一契約建立條件與一年金保障範圍； 一信用評量作業模組，用以信用評量該徵信資料以給予該申請人 在參與該年金契約系統之競標時之一競標额度； 一資金競標模組，用以由該申請人輸入一投標金額，根據所有輸 入之該投標金以最高的投標金額作為一得標金額並決定得標者； 一年金計算模組，用以追蹤該年金契約所載示之年金發放日期， 並根據一投資帳戶之一總得標金經投資後之一投資淨值或一個人虛 擬帳戶之一存款金額與一本息收益金額計算所要給付之年金；以及 201009736 士 ： L ^ ^ - > I f ^ ^ ^ ,, ....〜 一金流處理模組’用以根據該得標金額結算該總得標金、該存款 金額與一還款金額，交割該得標總金額以存入該投資帳戶、已存入該 個人虛擬帳戶之該存款金額、及已得標之該申請人在每一會期所繳納 之該還款金額’根據該年金契約之條件定期給付由該年金計算模組所 計算之年金給該申請人。 ^ 【實财 以下特將本發明具體實施方式詳細描述，並列舉較佳之具體實施 例說明如下： 圖一係本發明之年金契約系統之方塊圖。在圖一中，年金契約系 統302包含一年金契約處理模組3〇5、一信用評量模組3〇6、一資金 競標模組307、—投資管理模組308、-年金計算模組309、-金流 • 處理模組310及一資料庫311 ’而一申請人終端機301外部連結於年 金契約系統302。其中，申請人終端機例如可為個人電腦、ATM、影 像電話、語音電話、普通電話或pDA裝置。 年金契約系統302藉由網路、有線及無線通訊方式供申請人終端 機301進行連結。年金契約處理模組3〇5接收申請人申請一年金契 約並接故申印人藉由申請人終端機所填寫之基本資料及徵信資 料年金契約處理模組305將該等資料傳送至外部之認證機構進行審 201009736 j办 地” rV ^ 繼WVn ^ ”i 』w 鸿 iU ;irh ' i n :如：一一i!。 核，並接收該認證機構回傳之審核結果（又稱CA認證），再傳送一電 子憑證經由申請人終端機301給該申請人’並使該申請人登錄該電子 憑證餘年金契約系統302以線上建立年金契約。年金契約處理模組 305可存取申請人之基本資料、徵信資料、電子憑證及年金契約等於 資料庫31卜 年金契約處理模組305審核申請人之身分(如基本資料及徵作資 籲 ° 料)及契約申請資訊，如審核申請人實質及非實質風險因素，以決定 申請人的契約建立條件與年金保障範圍。接薯，年金契約處理模組 305傳送一契約建立訊息給申請人，並透過金流處理模組31〇收取應 收之費用後進行電子契約（即年金契約）之製作，且將經公信機構驗證 後將驗證結果經由申請人終端機301傳送至該申請人。年金契約處理 模組305將電子契約存入資料庫311，以作為管控之用。 • 信用評量模組306評量申請人之徵信資料中之信甩狀況，評量該 申請人所須提供之擔保或保證額度，對申請人之徵信龍中所提出之 擔保品及保證人進行審核，以給予申請人在參與年金契約系統3〇2之 競標時之-競標額度，信將量模組3G6將前述結果經由巾請人終端 機301傳送至申請人並存入於資料庫311。 資金競標模組307在等待參與競標的人數（該人數與競標期數相 同）額滿時，資金競標模組307將由申請人藉*申請人終端機3〇1輸 11 201009736 J&S « · 、？站 1 入一&標金額，資金競標模組307根據所有輸入之投標金額以最高的 投標金额作為一得標金額並決定得標者，資金競標模組307將開標結 果經由申請人終端機301傳送至申請人。資金競標模組307將前述各 項資料存入資料庫311。 投資管理模組308從資料庫311讀取已存人得標之申請人的投資 帳戶中之總得標金，將其轉成投資資產並進行投資管理，投資管理模 組308定期將總得標金投資所得之資產淨值存入資料庫311，並經由 申請人終端機301傳送至申請人。 年金計算模組309追蹤申請人之年金契約所載示之年金發放曰 期，在契約到期時’根據申請人參與競標所得標後之總得標金經投資 管理的資產淨值或於參與競標期間皆未得標所存入之存款金額與本 息收益金額進行計算所要給付之年金，並將前述計算結果存入資料庫 • 311 〇 金流處理模組31G處理所有有_金_之現纽付，如年金契 約之保費年金信託契約之信託資金’根據該得標金額結算總得標 金、存款金額與還款麵，交絲得標之巾請人之已存人個人虛擬帳 戶的存款金額、得標之申請人的總得標金以存入其投資帳戶、及已得 標之申請满-會__嫩饰㈣投靡模組观進 行投資管理，得標 後之申請人於未來各期繳付還款金額’契約到期後 12 201009736 _一二2抑τι rt〜ir - rr-〜 - :i- 根據年金_之條件定期給付由年金計雜組期輯算之各期年 金給申請人。金流處理模組310將前述各項資料存入資料庫311。 得叙t請人㈣，錢處理触31G依制息給付的先後 來結算總得標金有以下兩種計算式： 利息先支付、=(c/_/n)x(iV—............⑴ 利息後支付：4 Αχπ-θ + ί/χΟ-Ι)^/ ⑺ ❹其中， w’……… 4係為得射請人於第，彳!·標之總得標金； [/係為一競標上限； #係為—競標期數； ”係為—現行期數，且; /„係為得標申請人於第„期之得標金額； 人係為未得標申請人於心期進行存款金額，且:·<„。The content of 201009736 eatsaa disclosed by Providing Multiple Income Start Dates for Annuities is a sub-account of the gold account of the bribe. Each sub-account belongs to the total account, but the side operates independently, so that the purchaser can have an annuity payment and The flexibility of receiving. This patent case effectively spreads the risk for the purchaser, but the patent case has no prominent points in the link, that is, the category _ buy several annuity insurance products, this special may increase the trouble of the purchaser. SUMMARY OF THE INVENTION In summary, the present invention provides a method and system for a one-year golden contract to solve the above problems. The object of the present invention is as follows: 1. The framework of the present invention is a capital bidding mechanism for the annuity deposit process to be leveled. The fixed rate payment method is a change (10) and an annuity payment method that can be decided by itself. 2. The capital bidding mechanism of the framework of the invention, the user's bid can reflect the market interest rate and the market fund level. When the market capital demand is active, investment commodities are booming and interest rates are rising; when market funds are slowing down, investment commodities are low and interest rates are falling. When the market interest rate is directly reflected in the capital bidding mechanism, the annuity contract in which the customer participates becomes a direct financial annuity insurance product with symmetry of information. 3. The annuity insurance of the present invention is guaranteed to be insured and guaranteed, and is characterized by positive remuneration and high remuneration. 4. The annuity contract system constructed by the invention is completely operated by the user autonomously, and the system is only responsible for the investment target and asset allocation for the user to select, and the risk is user-independent. 201009736 Weng. 3⁄4 cold; 5. The present year The mine is contracted, and the Wei people’s deposits are full of money, the minimum guaranteed annuity, and the short-term drunk gold and other forms of annuity payment. In order to achieve the above object, the present invention provides a method for annuity contract, which is applied to a one-year gold contract system, the method comprising: accepting an applicant from the annual pension, the system- annuity contract processing module The choice of the words of the lie, and accepts the person who asks for the person to feed - the basic dumping and a credit information, the annuity contract processing module to review the basic information and the credit information to determine the applicant's annuity contract a contract establishment condition and a one-year guarantee; a credit assessment module of the annuity contract system performs credit evaluation on the applicant's credit information to give the applicant a bid to participate in the annuity contract system One of the bidding quotas; the number of people waiting to participate in the bidding is 'the number of people is the same as the number of bidding periods, and the bidding amount of the applicant participating in the bidding is greater than or equal to one of the bidding transaction portfolios of one of the annuity contracts; The applicant enters the annuity contract system to participate in the bidding according to the bidding amount; the applicant inputs a bid amount in the annuity contract system, the annuity contract One of the fund bidding modules determines the winner according to the bid amount of all the bids, and determines the winner. The gold stream processing module of one of the annuity contract system settles a total amount based on the bid amount. 201009736 __Speak __ Miscellaneous edited miscellaneous mm Winning the standard gold, - Deposit amount and - Repayment amount, from the frequency of the gold flow in the frequency domain is difficult to get the total amount of the applicant to vote for the applicant - vote Wei household, The amount of the deposit of the personal virtual account of one of the applicants who has not been awarded, and the amount of the repayment that the applicant has paid in each session; and the annuity calculated by the annuity contract system The module tracks the date of the year of the year indicated in the annuity contract, and calculates the annuity to be paid according to the net investment value of the total amount of the investment account of the investment account or the deposit amount of one of the personal virtual accounts and the amount of one interest income. The gold flow processing module periodically pays the applicant annuity calculated by the annuity calculation module according to the condition of the annuity contract. The invention provides an annuity contract system, comprising: a one-year gold contract processing module for receiving an applicant for a one-year gold contract and one of the basic information and a credit information filled in to review the basic information and the credit information To determine one of the applicant's contract establishment conditions and the one-year guarantee coverage; a credit assessment operation module for credit evaluation of the credit information to give the applicant one bid when participating in the bidding system of the annuity contract system A fund bidding module for inputting a bid amount by the applicant, using the highest bid amount as the winning amount and determining the bidder according to all the bids entered; the one-year calculation module for Tracking the date of the year in which the annuity contract is displayed, and calculating the amount of the net investment value of one of the investment accounts, or the deposit amount of one of the virtual accounts of one person and the amount of the income of one interest, based on one of the investment accounts; and 201009736士: L ^ ^ - > I f ^ ^ ^ ,, ....~ A gold stream processing module' is used to settle the total winning amount based on the winning amount The deposit amount and a repayment amount, the total amount of the bid is delivered to be deposited into the investment account, the deposit amount deposited into the personal virtual account, and the bidder has paid the applicant at each session. The repayment amount 'according to the condition of the annuity contract, the annuity calculated by the annuity calculation module is periodically paid to the applicant. The following is a detailed description of the specific embodiments of the present invention, and the preferred embodiments are illustrated as follows: Figure 1 is a block diagram of the annuity contract system of the present invention. In FIG. 1 , the annuity contract system 302 includes a one-year golden contract processing module 3〇5, a credit evaluation module 3〇6, a fund bidding module 307, an investment management module 308, and an annuity calculation module 309. - The gold stream processing module 310 and a database 311 'and an applicant terminal 301 externally coupled to the annuity contract system 302. The applicant terminal can be, for example, a personal computer, an ATM, an image telephone, a voice telephone, a general telephone or a pDA device. The annuity contract system 302 is connected to the applicant terminal 301 by means of network, wired and wireless communication. The annuity contract processing module 3〇5 accepts the applicant for a one-year gold contract and receives the basic information and the credit information processing annuity processing module 305 filled in by the applicant terminal to transmit the data to the outside. The certification body conducts the review 201009736 j office "rV ^ Following WVn ^ "i" w Hong iU; ihr 'in: such as: one by one i!. Core, and receive the audit result returned by the certification authority (also known as CA certification), then send an electronic voucher to the applicant via the applicant terminal 301 'and make the applicant log in to the electronic voucher rest annuity contract system 302 Establish an annuity contract online. The annuity contract processing module 305 can access the applicant's basic information, credit information, electronic voucher and annuity contract equal to the database 31. The annuity processing module 305 reviews the identity of the applicant (eg, basic information and recruitment) Materials and contract application information, such as reviewing the applicant's substantive and non-substantial risk factors, to determine the applicant's contract establishment conditions and annuity coverage. In the case of the potato, the annuity contract processing module 305 transmits a contract establishment message to the applicant, and receives the fee receivable after the gold stream processing module 31 receives the electronic contract (ie, the annuity contract), and is verified by a public agency. The verification result is then transmitted to the applicant via the applicant terminal 301. The annuity contract processing module 305 stores the electronic contract in the database 311 for use as a control. • The credit assessment module 306 evaluates the trustworthiness status of the applicant's credit information, and evaluates the guarantee or guarantee amount that the applicant must provide. The collateral and guarantor proposed by the applicant's credit information. The audit is conducted to give the applicant the bid amount when participating in the bidding of the annuity contract system 3〇2, and the credit module 3G6 transmits the foregoing result to the applicant via the towel order terminal 301 and deposits it in the database 311. . When the fund bidding module 307 is full waiting for the number of people participating in the bidding (the number is the same as the number of bidding periods), the fund bidding module 307 will be borrowed by the applicant. * Applicant terminal machine 3〇1 loses 11 201009736 J&S « · , ? The station 1 enters a & standard amount, the fund bidding module 307 uses the highest bid amount as the winning amount according to all the bid amounts input and determines the winning bidder, and the fund bidding module 307 passes the bid opening result via the applicant terminal 301. Transfer to the applicant. The fund bidding module 307 stores the foregoing items in the database 311. The investment management module 308 reads the total bid in the investment account of the applicant who has obtained the bid from the database 311, converts it into investment assets and conducts investment management, and the investment management module 308 periodically invests the total bid. The resulting net asset value is stored in the database 311 and transmitted to the applicant via the applicant terminal 301. The annuity calculation module 309 tracks the annual blond release period indicated in the applicant's annuity contract. When the contract expires, the total net proceeds of the investment according to the applicant's participation in the bidding are subject to the net asset value of the investment management or during the bidding period. The annuity to be paid for the calculation of the deposit amount and the amount of the principal and interest income, and the calculation results are stored in the database. • The 311 sheet metal processing module 31G processes all current payments with _金_, such as The trust fund of the premium annuity trust deed of the annuity contract's settlement of the total amount of the deposit, the deposit amount and the repayment amount according to the winning amount, and the amount of the deposit of the personal virtual account of the person who has paid the bid for the bid The applicant's total winnings will be invested and managed in the investment account and the successful application of the application. The applicant will receive payment in future periods. The amount 'after the contract expires 12 201009736 _ one two 2 τ τι rt~ir - rr-~ - :i- According to the conditions of the annuity _ regular payment of the annuity calculated by the annuity calculation period to the applicant. The gold stream processing module 310 stores the foregoing items in the database 311. Desirable t invites people (4), the money handles the 31G according to the interest-bearing payment to settle the total amount of the standard gold has the following two calculations: interest first payment, = (c / _ / n) x (iV -..... .......(1) After interest payment: 4 Αχπ-θ + ί/χΟ-Ι)^/ (7) ❹ where, w'......... 4 is for shooting, please be in the first, oh! [// is the upper limit of bidding; #系为—the number of bidding periods; ” is the number of current periods, and; / is the winning amount of the applicant in the „ period; The winning applicant will make the deposit amount during the period of the heart, and:·<„.
上述前得標申請人需在往後期數進行還款，還款金額的計算方式 如下· 利息先支付：¢/ ·····*···_·_··.·"···· (3) 利息後支付：L/ + / *···.····*····.·.··· (^l·) 其中， U係為一競標上限； 乂係為得標申請人於第《期得標金額。 金流處理模組310結算未得樟申士主A 4 + Α 丄係甲5月人之存款金額係依照利息先 後支付有兩種計算方式： 13 ***·······«······ •(5) 201009736 利息先支付：U —/„......................... •(6) 利息後支付：t/......................... **··········· 其中， ¢/係為一競標上限； /”係絲據^期之得標巾請人之得標金額。 當有數個申請人所投標之金額具有相同之最高投標金額時，由資 • 金競標模組哪以抽籤方式抽出最高投標金額之該等申請人的其中 —者為得標者。當無人投標時，由資金競標模組謝以抽籤方式抽出 f M &域丨式之得標金 額係^金競標模組307所規定之基本標金。 在申請人藉由申請人終端機3〇1參與年金契約系謂之競標 中，”請人未得標時，金流處理模組將交割已存人個人虛擬帳 • 戶之存款金額；當申請人得標時，金流處理模組31〇將交割之總得標 金以存入投資帳戶，投資管理模組308將總得標金進行投f，而申請 人繳納於得標後將在每1由金流處理模組㈣算之還款金 額。金流處理模組310將未得標之申請人所交割之存款金額或將已得 標之申請人所_之還款金_換賴會瓣標之巾請人之總得標 金的一部分。 在申請人參與年金契約系統3Q2之競標中，當申請人未得標且中 途解約時，麵處理池31 〇結算t請人之個人虛練戶的存款金額 201009736 *1，ΐβΒΜ* f 一, lt ,, ' 1 " -n«L3 , , J.- 與本息收益金額；當申請人得標且中途解約時，金流處理模組310結 算申請人之投資淨值以及必須償還剩餘會期之總還款金鲔。 資料庫311供年金契約處理模組305存取年金契約、基本資料及 徵信資料’供信用評量模組306存取徵信資料及競標額度，供資金競 標模組307存取投標金額、最高的投標金額與得標者，供金流處理模 組310存取得標金額、總得標金額、還款金額、總還款金額、存款金 額、投資帳戶與個人虛擬帳戶等資料及所給付之年金，供年金計算模 組309存取投資帳戶之投資淨値、個人虛擬帳戶之存款金額與本息收 益金額及所給付之年金。 圖二係本發明之年金契約之方法之流程圖。在描述圖二之流程的 同時參考圖一之各組件加以說明。 在®二巾’有意線上冑請年金類作為日後辦之_請人經由申 ❿ 4人終端機301進入年金契約系統3D2以進行年金契約之申請。年金 契約處理模組305接收申請人申請年金契約，並指示夺請人填寫基本 資料及徵信資料，年金契約處理模組3〇5在接收該申請人所填寫之基 本資料及徵信資料後’年金契約處理模組3G5根據_請人的各項資料 及契約申請資訊，如審核申請人實質及非實質風險因素，以決定申請 人的契約建立條件與年金保障範圍，若其為年金保險之中請，則前述 步驟為-般保單核保作業，·若其為選擇成立年金信託契约，則按照信 201009736 mm··. 託審核方式進行（步驟S101)The above-mentioned former bidders are required to make repayments in the later period, and the repayment amount is calculated as follows: Interest is paid first: ¢/·····*·················· · (3) Payment after interest: L/ + / *··········································································· Applicant's bid amount in the first period. The gold flow processing module 310 has not settled for the amount of the deposit of the Shenshi master A 4 + Α 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 ··· •(5) 201009736 Interest paid first: U —/„......................... (6) Payment after interest: t /......................... **·········································· "The silk is based on the amount of the standard towel. When there are several applicants bidding for the same maximum bid amount, the winners of the applicants who draw the highest bid amount by lottery are the winners. When no one bids, the fund bidding module will draw out the f M & domain-based winning bid amount as the basic standard amount specified in the gold bidding module 307. In the bidding of the applicant's participation in the annuity contract by the applicant's terminal machine 3〇1, “When the applicant fails to obtain the bid, the gold flow processing module will deliver the deposit amount of the deposited personal virtual account; When the person wins the bid, the gold stream processing module 31 will deposit the total amount of the deposit to deposit the investment account, and the investment management module 308 will vote for the total amount of the bid, and the applicant will pay the bid after each bid. The gold flow processing module (4) calculates the repayment amount. The gold flow processing module 310 will deposit the deposit amount of the unsuccessful applicant or the repayment amount of the applicant who has already obtained the bid. In the bidding of the applicant's participation in the annuity contract system 3Q2, when the applicant fails to obtain the bid and cancels the contract midway, the face processing pool 31 〇 settlement of the deposit of the individual's personal imaginary household Amount 201009736 *1, ΐβΒΜ* f I, lt ,, ' 1 " -n«L3 , , J.- and the amount of principal and interest income; when the applicant wins the bid and cancels the contract midway, the gold flow processing module 310 settles the applicant The net investment value and the total repayment amount that must be repaid in the remaining session. The contract processing module 305 accesses the annuity contract, the basic information and the credit information "for the credit assessment module 306 to access the credit information and the bid amount, and the fund bidding module 307 accesses the bid amount, the highest bid amount and the bid amount. The bidder, the gold flow processing module 310 stores the bid amount, the total bid amount, the repayment amount, the total repayment amount, the deposit amount, the investment account and the personal virtual account, and the annuity paid for the annuity calculation module. 309 access to the investment account net investment, personal virtual account deposit amount and principal income amount and the annuity paid. Figure 2 is a flow chart of the method of the invention of the annuity contract. I will explain the components of each one. In the ® 2 towel, I would like to ask for an annuity as a future. _ Please apply for an annuity contract through the application of the 4-digit terminal 301 to the annuity contract system 3D2. The annuity contract processing module 305 Receive the applicant's application for an annuity contract and instruct the claimant to fill in the basic information and the credit information. The annuity contract processing module 3〇5 is filled in by the applicant. After the basic information and credit information, the 'Annual Contract Processing Module 3G5 determines the applicant's contractual establishment conditions and annuity protection based on the information of the applicant and the contract application information, such as reviewing the applicant's substantive and non-substantial risk factors. Scope, if it is annuity insurance, the above steps are the general policy underwriting operation, and if it is to choose to establish an annuity trust contract, it will be carried out according to the letter 201009736 mm··.
接著，年金契約處理模組305、經由申請人終端機3〇1傳送—契約 建立訊息給申請人’並給卜電子_於_請人。在金流處理模組 31〇收取應收費用後年金契約處理模組3〇5進行電子契約製作，製作 完成後料轩_料叙公簡_躲章料，緣機構之驗 章結果回傳至年金契約處理模組咖後，最後將驗章結果經由申請人 終端機3〇1傳送至申請人，以利存槽保留。此年金契約為結合競標機 制進行年金存款與發放之金融操作，中請人經由中請人終端_向 年金契約系統302登錄 該電子憑證以線上申請並選擇建立何種年金 契約’如_請年金契約、年金信託契贼其齡轉態之年金契 約。其中，依據申請人之年金契約的繳費方式來決定申請人參與年金 契約系統302之競標的競標交易組合之一競標期間 '一競標期數及一 總會款。 由於申請人欲參與年金契約系統她之競標，信用評量模組聊 將對申請人樣信資舰行侧評量健，以針_請人麵與年金 契約系統302之競標時之競榡額度（步驟sl〇3)。 圖三係本發明之年金契約之方法的申請人信用評量之流程圖，在 描述圖三之流程的同時參考圖一之各組件加以說明。在圖三中，信用 評量模組306對申請人所提供之徵信資料中之一信用狀況(如個人財 16 201009736 "^™8®****™®·*— L,， ............. 1 3 一 務、個人工作狀況)進行徵信(步驟S201)。接著，信用評量模組306 對申請人所提供之徵信資料中之一擔保品（如動產或不動產）進行審 核及鏗價（步驟S203)。信用評量模組306對申請人所提供之徵信資 料之一保證人(如其個人信用）進行徵信(步驟S2〇5)。信用評量模組306 根據評量申請人所提供之徵信資料中之至少一項資料的結果給予申 請人之在參與年金契約系統3〇2之競標時的競標額度(步驟S207)。 再次參考圖二’資金競標模組3〇7等待參與競標之人數額滿，其 中申請人之競標額度需要大於或等於競標交易組合之總會款才可參 與競標’其人數與競標期數相同’當資金嬈標模組307判斷人數額滿 時，才允許所有申請人參與投標(步驟S105)。 其次，申請人根據該競標額度藉由申請人終端機3〇1登錄其電子 憑證以進入年金契約系統302參與競標（步驟si〇7)。由申請人藉由 ® 申請人終端機301輸入一投標金額於年金契約系統302，資金競標模 組307根據所有申請人輸入之投標金額以最高的投標金額作為一得 標金額並決定得標者（步驟S109)。此時，在當會期未得標之申請人 可在接下來的會期中繼續參與競標，直到得標為止。 由金流處理模組310根據該得標金額結算得標之申請人之一總 得標金(如上述計算式⑴或⑺）、未得標之申請人之一存款金額(如上 述計算式(5)或⑹）、及〔得標之要紅之—微絲(如上述計算式 (3)或(4))。由金流處理模組31〇交割總得標金以存入得標之申請人之 17 201009736 投資帳戶以作為投資用之資金、交割已存入未得標之申請人之個人虛 擬帳戶之存款金額以作為存款、及交割已得標之申請人在每一會期所 繳納之還款金額以作為還款（步驟S111)。 由投資管理模組308將申請人之投資帳戶中的總得標金轉成投 資資錢進行㈣管理，且定鑛麟標金投資顺n淨值經由 申請人終端機301傳送至申請人（步驟S113)。投資管理模組3〇8將 φ 該資產淨值儲存於資料庫3丨1。 由年金计算模組309追蹤申請人之年金契約所載示之年金發放曰 期，並根據申請人之投資帳戶中之總得標金經投資後之資產淨值或個 人虛擬帳戶中之存款金額與本息收益金額，以計算所要給付申請人之 年金，而由金流處理模組310根據年金契約之條件來定期給付由年金 計算模組309所計算之年金給申請人（步驟 ©本年金契約可以是保險形式之年金保險契約、信託形式之年金信 託契約或是其他金融產品形態之年金契約。於年金契約所規定之年金 給付開始時申請人開始領取各期年金給付之金額直至該申請人死 亡’或申請人開始領取年金後死亡，若年金契約另有規定年金給付的 保證期間’則年金給付由受益人繼續領取各期年金給付之金額至年金 給付保證期間期滿時；若是巾請人情解域於㈣未細前即死 亡，則年金契約終止，停止年金之給付，並結算與交割未得標之申請 人之個人虛擬帳戶之存款金_本息收益金針_請人綠益人，或 18 201009736 鹽通,r ^ 一…… 結算與交割得標之中請人之總得標金經投資之資產淨值再扣除所須 雜之總絲麵(該魏為繼錢舰交之财麵再依年金契 約之事先約定利率所折算之現值)後之餘額予申請人或受益人。 以下說明兩個實施例’同時參相—至三，明本發明之年金 契約之實施方式： 實施例一 2〇〇7年1〇月i日正值建民4〇歲生日，他累積了一筆資產，想 為自己向年金契約系統3〇2線上申請一年金保險(步驟S1Q1)，希望 在退休之後取得敎敝人來源，Q此向狀壽險中請具有一變額保 費之年金保險。 ❿ 建民依年金契約處理模組3〇5指示填寫其基本資料及徵信資 料，年金契約處理模組3〇5審查建民之該等資料後經由申請人終端機 301給予-電子憑證，並蚊建民之固定年金之赋投麵險的契約 建立條件與年金保障範圍如下：Next, the annuity contract processing module 305 transmits a contract to the applicant via the applicant terminal machine 3〇1 and gives the applicant an electronic message. After the gold flow processing module 31 receives the chargeable use, the annuity contract processing module 3〇5 is used to make the electronic contract. After the completion of the production, the material is returned to the factory. After the annuity contract processes the module, the result of the inspection is finally transmitted to the applicant via the applicant terminal machine 3.1 to reserve the deposit. This annuity contract is a financial operation for annuity deposits and issuances in conjunction with the bidding mechanism. The applicant invites the e-voucher to the online annuity contract system 302 to apply online and choose which annuity contract to establish. The annuity contract of the annuity trust thief. Among them, according to the payment method of the applicant's annuity contract, one of the bidding transaction combinations of the applicant's participation in the bidding system of the annuity contract system 302 is the one bidding period and one general meeting period. Since the applicant wants to participate in the bidding system of the annuity contract system, the credit assessment module will evaluate the applicant's letter-finger ship side, and the bidding quota for the bidding and the annuity contract system 302 will be used. (Steps sl3). Figure 3 is a flow chart of the Applicant's credit assessment of the method of the annuity contract of the present invention, which is described with reference to the components of Figure 1 while describing the flow of Figure 3. In FIG. 3, the credit assessment module 306 provides credit status to one of the credit information provided by the applicant (eg, personal finance 16 201009736 "^TM8®****TM®·*-L,, . ............ 1 3, personal work status) Conduct a credit (step S201). Next, the credit assessment module 306 reviews and priced the collateral (such as movable property or real estate) in the credit information provided by the applicant (step S203). The credit rating module 306 conducts a credit to one of the credit information provided by the applicant (e.g., his personal credit) (step S2〇5). The credit assessment module 306 gives the applicant a bid amount at the time of bidding in the participation in the annuity contract system 3〇2 based on the result of evaluating at least one of the credit information provided by the applicant (step S207). Referring again to Figure 2, the fund bidding module 3〇7 is awaiting the participation of the bidder. The bidding amount of the applicant needs to be greater than or equal to the total amount of the bidding transaction portfolio to participate in the bidding. The number of bidders is the same as the number of bidding periods. When the fund target module 307 judges that the person amount is full, all applicants are allowed to participate in the bid (step S105). Secondly, the applicant enters the electronic voucher by the applicant terminal machine 〇1 according to the bid amount to enter the annuity contract system 302 to participate in the bidding (step si〇7). The applicant enters a bid amount into the annuity contract system 302 by the applicant terminal machine 301, and the fund bidding module 307 uses the highest bid amount as the winning amount according to the bid amount input by all the applicants and determines the winning bidder ( Step S109). At this time, applicants who have not won the bid during the session may continue to participate in the bidding in the next session until they win the bid. The gold flow processing module 310 settles the winning bid of one of the applicants according to the winning amount (such as the above formula (1) or (7)), and the deposit amount of one of the applicants who have not obtained the bid (such as the above calculation formula (5) ) or (6)), and [the winner of the red-microfilament (such as the above formula (3) or (4)). The gold flow processing module 31 delivers the total amount of the deposit to the applicant's 17 201009736 investment account for the investment, and deposits the deposit amount of the personal virtual account of the applicant who has not been awarded the bid. The amount of repayment paid by the applicant who has obtained the deposit as the deposit and delivery of the contract at each session is used as repayment (step S111). The investment management module 308 converts the total winning amount in the applicant's investment account into investment capital for (4) management, and the net value of the designated mining fund is transmitted to the applicant via the applicant terminal 301 (step S113). . The investment management module 3〇8 stores the net asset value of φ in the database 3.1. The annuity calculation module 309 tracks the annual bonus period of the applicant as shown in the annuity contract of the applicant, and based on the total net proceeds of the applicant's investment account, the net asset value after the investment or the deposit amount and the principal and interest income in the personal virtual account. The amount is calculated to calculate the annuity to be paid by the applicant, and the gold flow processing module 310 periodically pays the annuity calculated by the annuity calculation module 309 to the applicant according to the condition of the annuity contract (step © the annuity contract may be an insurance form) Annuity insurance contract, an annuity trust contract in the form of a trust, or an annuity contract in the form of other financial products. At the beginning of the annuity payment specified in the annuity contract, the applicant begins to receive the amount of the annuity payment until the applicant dies" or the applicant Death begins after receiving an annuity. If the annuity contract has a guarantee period for the annuity payment, the annuity payment will continue to be paid by the beneficiary to the annuity payment guarantee period; if it is a towel, please remove the domain from (4) If the death is fine, the annuity contract is terminated, the payment of the annuity is stopped, and the settlement and delivery are completed. The deposit amount of the personal virtual account of the applicant who has not obtained the standard _ the income of the principal and the income of the _ _ people green benefits, or 18 201009736 Yan Tong, r ^ a ... settlement and delivery of the bidding of the total amount of the person to receive the gold investment The net asset value is deducted from the total silk screen (the Wei is the current value of the money exchanged by the money ship and then converted according to the pre-agreed interest rate of the annuity contract) to the applicant or the beneficiary. The embodiment of 'the same phase-to-three, the implementation of the annuity contract of the invention: Example 1 2〇〇7 years 1 month i day is the fourth birthday of Jianmin, he accumulated an asset, think Apply for one-year insurance (3:1) to the annuity contract system (3:1), and hope to obtain the source of the deaf after retirement. In this case, please have an annuity insurance with a variable premium. The processing module 3〇5 instructs to fill in the basic information and the credit information, and the annuity contract processing module 3〇5 examines the information of the Jianmin and then gives the electronic voucher via the applicant terminal 301, and the fixed annuity of the mosquito builter The establishment of a contract for the investment of face insurance The conditions and annuity coverage are as follows:
年金條件 要保人：建民 _終身變額年金保險 缴費期間··二十年（月缴） 起動缴费 ' 一------ 19 201009736 競標期間：二十年，每月-次 --~ 競標上限：新台幣一萬元整 底標：隨郵政儲金一年期浮動利率調整「 其他].欲進行競標需同意本公司前為/娜） —人在本公司提 在此條件下，信用評量模組細對建民所提供之徵信資料中的各 項㈣如個人資料、擔保品、保證人等）進行信用評量，經信用評量 ❹ 後信用評量模組咖給予建民-競標額度(步驟S1G3> 資金競標模組307等待參與競標的人數(其與競標期數相同)額 滿’由於建民之競標額度大於或等_標交易組合之總會款，因此建 民可進入年金契約系統302中參與競標(步驟Sl〇5)。 轨姆賊獅度參解金細錢3G2域標(步驟 S10O。由於建民欲利用年金契約系統咖之競標機制進行存款而不 • 參銳標，所以建離資金賴触各_公狀最高的投標金 額進行存款(步驟S109)，如資金競標模組3〇7第一期公佈之最高的 投標金額為5GG元’則由金流處理额31Q結算建民需存人的存款金 額為9, 500元’且金流處理模、組31〇交割已存人建民的個人虛擬帳戶 之該筆存款金額（步驟sm)，而這筆第一期的存款金額將在建民得 標或是二十年之後成為10,000元β 若建民在參與終身魏年金碰的二恃巾冑不雜，則由年金 計算模、组309計算各期存入個人虛擬帳戶中的存款金額將在二〇二 20 201009736 ^ΊιΠΙ1'ίΜ|ΐ〇Γ^^ .•激 ' ,ΐ «η- . · 七年十月-日契約到期日時達到總額為兩百三十萬元之年金，並由金 流處理模組310給付根據年金計算模組3〇9計算所要給付之年金給建 民，接下來建民每月可伽—萬元之年金，直至死亡（轉幻⑸。 若建民在持續繳納存款金額即將滿五年之時（二〇一二年九月一 曰，兀成59期之繳費）認為市場投資情況甚好，因此決定參與年金 契約系統3G2之競標以取得—總得標金進行投資，增加未來可拿回之 年金。 由於建民提供房屋（即擔保品)作為抵押，經險公司鑑價核 可所給予域標額度献於或料雜交$組合之總钱，因此建民 可參與年金契約系統302之競標（步默S107)。建民於第6〇期以投標 金額為1，000元經由申請人終端機3〇1向年金契約系統3〇2進行投 標’經資金競標模組307根據所有投標之申請人的投標金額決定出建 民為最咼的投標金額（步驟S109)。經由金流處理模組31〇結算聲民 可取得總得標金共10, 000x59+9, 000x180=2, 210, 000元，並由金流處 理模組310交割總得標金以存入建民的投資帳戶（步驟S1 n)。 XX保險公司逕行將此總得標金進行投資操作，盈虧由建民自負， 並由投資管理模組308進行投資管理，定期將此總得標金投資所得之 投資淨值經由申請人終端機301傳送給建民（步驟sii3)。而建民在 接下來的180期各斯須繳還1〇, 〇〇〇元的還款金額，以償還在資金競 21 201009736 標中所產生的貸款 假設得標總金額投資的15年⑽期）之年化報酬率為5%，即 契約到期時累積年金達到4, 594, 431元，比純粹存款多了 2,194, 431 元，增加將近-倍，因此根據χχ保險公司精算機制(如年金計算模組 期）會將這投資報酬經計算後化為年金增額由金流處理模組亂給 付給建民（步驟S115)，建民即可取得高於原契約所簽訂的一萬元/月 之年金，大幅提升建民退休後的保障。 實施例二 如實施例一，若建民在40歲生日時線上申請的是Π銀行的定期 變額年金信託(步驟_)(省略步驟湖、S105、⑽之說明），則 取得該信託之㈣建立條件解金辦範圍如下：Annuity conditions to protect people: Jianmin _ lifetime variable annuity insurance payment period · · 20 years (monthly payment) start payment 'a ------ 19 201009736 bidding period: twenty years, monthly - times - -~ Bidding limit: NT$10,000 per base: With the one-year floating rate adjustment of the postal deposit, "Others." To bid, you need to agree to the company before / Na) - People are under the conditions of the company The credit assessment module carefully evaluates each of the credit information provided by Jianmin (4), such as personal data, collateral, guarantor, etc., after the credit assessment, the credit assessment module is given. Civil-bidding quota (Step S1G3> The number of people bidding for the bidding by the fund bidding module 307 (which is the same as the number of bidding periods) is full. 'Because the bidding quota of Jianmin is greater than or equal to the total amount of the _ trading combination, Jianmin You can enter the annuity contract system 302 to participate in the bidding (step S1〇5). The thief lion lions participate in the gold fine money 3G2 domain standard (step S10O. Because the Jianmin wants to use the annuity contract system coffee bidding mechanism to deposit without Participate in the sharp mark, so the establishment of the funds to rely on each _ public maximum The bid amount is deposited (step S109). If the highest bid amount announced in the first phase of the fund bidding module 3〇7 is 5GG yuan, then the deposit amount of the depositor needs to be settled by the gold stream processing amount 31Q is 9,500. Yuan' and Jinliu processing module, group 31〇 delivery of the deposit amount of the personal virtual account of the person who built the person (step sm), and the amount of the first period of deposit will be won in Jianmin or twenty After the year, it will become 10,000 yuan. If the Jianmin people participate in the life-long Wei Nianjin touch, the amount of deposits deposited in the personal virtual account will be calculated by the annuity calculation model and group 309. The amount of deposits deposited in the personal virtual account will be at 20:20 201009736. ^ΊιΠΙ1'ίΜ|ΐ〇Γ^^ .•激', ΐ «η- . · The seven-year October-day contract due date reached an annual annuity of 2.3 million yuan, and the gold flow processing module 310 is paid according to the annuity calculation module 3〇9 to calculate the annuity to be paid to Jianmin, and then Jianmin can earn an annual annuity of 8,000-million yuan until death (turning to magic (5). If Jianmin is about to continue to pay the deposit amount is almost full In the five years (September 2012, the payment of the 59th issue) The investment situation is very good, so I decided to participate in the bidding of the 3G2 of the annuity contract system to obtain the total investment of the standard gold, and increase the annuity that can be recovered in the future. Since Jianmin provides housing (ie collateral) as collateral, the insurance company's valuation Approving the total amount of money given to the domain quota for the $combination, so Jianmin can participate in the bidding of the annuity contract system 302 (step S107). The bidding amount of Jianmin in the sixth period is 1,000 yuan. The bidding is performed to the annuity contract system 3〇2 via the applicant terminal machine 〇1. The fund bidding module 307 determines the bid amount of the constructor based on the bid amount of all bidders (step S109). Through the gold flow processing module 31, the settled voices can obtain a total of 10, 000x59 + 9, 000 x 180 = 2, 210,000 yuan, and the gold flow processing module 310 delivers the total amount of gold to deposit into the people. Investment account (step S1 n). The XX insurance company will carry out the investment operation of the total winning fund. The profit and loss will be borne by the Jianmin, and the investment management module 308 will conduct investment management. The net investment value of the total invested capital investment will be transmitted to the construction terminal 301 through the applicant terminal 301. Min (step sii3). In the next 180 periods, Jianmin will have to pay 1 〇, the amount of the repayment of the Qianyuan, in order to repay the loan in the 21st 201009736 standard, the loan is assumed to be the total amount of investment in the 15 years (10) period The annualized rate of return is 5%, that is, the accumulated annuity at the expiration of the contract reaches 4,594, 431 yuan, which is 2,194,431 yuan more than the pure deposit, which is nearly doubled. Therefore, according to the actuarial mechanism of the insurance company (such as annuity) The calculation module period will calculate the investment remuneration and convert it into an annuity increase, which will be paid to the Jianmin by the gold flow processing module (step S115). The Jianmin can obtain 10,000 yuan higher than the original contract. The annuity of the month has greatly improved the protection of the people after retirement. Embodiment 2 As in the first embodiment, if Jianmin applies for the online variable annual annuity trust (step _) of the bank on the 40th birthday (obstruction of step lake, S105, (10)), the trust is obtained (4) The scope for establishing the conditions for the settlement of funds is as follows:
i金條Ϊ #委託人：建民 缴費期間：二十年（月缴） Z 費用：絲互助式資金競 *年金給付起始日：二〇二七年十月一日 買 •=付金額：每月給付新作_萬元整（隨或 始日起每年3%之附加報酬 #績效調整）外加給付起 資金競標機制條件 •競標期間：二十年，每月一次 競標上限：新台幣一萬元整 金—年期浮動利率調整（目前為2. _ 、他·1.欲進行競榡需同意本銀行進行信用評量 公司提供的投資商 -給付終止日·•二〇四七年十月一日 22 201009736 麵酶鐵tv 译，：^、一 …1…礙f ' --- 在此條件下，若建民決定不參與年金契約系統302之競標，則如 實施例-進行存款(步驟S109)，並在由金流處理模組31〇結算與交 割後(步驟sm)，由年金計算模組3Q9計算，並由金流處理模㈣q 根據年金計算歡之計算·付1M⑽元之年金外加3%的附加 報酬每月6, 000元（2, 400, 000x3%/12)共16, _元給建民(步驟 ❿ 抓）。惟此信託為-定脑約，故在兩百时航給付完畢後契約 即終止，意即此年金將給付至建民8〇歲。 若建民如實施例-之條件向年金契約系統3〇2進行競標(步驟 S107)，則進行步驟si〇9、Sill、S113之步驟後，在契約到期時建民 共可取得4, 594, 431元之信託金(經投資之總得標金），因此由金流處 理模組310在年金給付給建民的二十年間，建民每月可領取19,143 元（4, 594,431/240)外加附加報酬 11，486 元（4, 594,431x3%/12) ® 共30, 629元之年金/月，因此比不競標只單純的存款增加了近一倍的 年金金額’而大幅提升了建民的退休保障。 23 201009736 【圖式簡單說明】 圖一係本發明之年金契約系統之方塊圖； 圖二係本發明之年金契約之方法之流程圖；以及 圖三係本發明之年金契約之方法的申請人信用評量之流程圖。i金条Ϊ #Person: Jianmin payment period: 20 years (monthly payment) Z Cost: Silk mutual aid fund competition * Annuity payment start date: October 1st, 2nd, 2nd, buy, == Amount: Monthly payment for new work _ 10,000 yuan (with an additional 3% annual salary from the beginning of the year #performance adjustment) plus the payment of funds from the bidding mechanism conditions • Bidding period: 20 years, once a month bid limit: NT$10,000 The whole-year floating-rate adjustment (currently 2. _, he·1. To compete, you need to agree with the bank to provide the credit rating company's investor-payment termination date·• October 1st, 2007日22 201009736 面酶铁 tv Translation,:^,一...1...obstructed f ' --- Under this condition, if Jianmin decides not to participate in the bidding of the annuity contract system 302, then deposit as in the example - step S109 ), and after settlement and delivery by the gold flow processing module 31 (step sm), calculated by the annuity calculation module 3Q9, and calculated by the gold flow processing module (4) q according to the annuity calculation, the payment of 1M (10) yuan of annuity plus 3 % of the additional compensation of 6,000 yuan per month (2, 400, 000 x 3% / 12) a total of 16, _ yuan to Jianmin ( Step ❿ Grab.) However, the trust is a fixed-brain contract, so the contract is terminated after the two-day voyage payment is completed, meaning that the annuity will be paid to Jianmin 8 years old. If Jianmin, as in the case of the example - The annuity contract system 3〇2 bids (step S107), and after the steps of steps si〇9, Sill, and S113, the constructor can obtain a trust fund of 4,594, 431 yuan when the contract expires (investment In total, the gold flow processing module 310 can receive 19,143 yuan (4, 594, 431/240) plus an additional reward of 11,486 yuan (4, 594, 431) per month for the annuity to be paid to the Jianmin. X3%/12) ® A total of 30, 629 yuan of gold / month, so the amount of annuity has nearly doubled compared to the non-bidding simple deposits' and greatly improved the retirement protection of Jianmin. 23 201009736 [Simple diagram Figure 1 is a block diagram of the annuity contract system of the present invention; Figure 2 is a flow chart of the method of the annuity contract of the present invention; and Figure 3 is a flow chart of the applicant's credit rating of the method of the annuity contract of the present invention.
【主要元件符號說明】 申請人終端機 301 年金契約系統 302 年金契約處理模組 305 信用評量模組 306 資金競標模組 307 投資管理模組 308 年金計算模組 309 金流處理模組 310 資料庫 311 24[Main component symbol description] Applicant terminal 301 gold contract system 302 gold contract processing module 305 credit evaluation module 306 capital bidding module 307 investment management module 308 annuity calculation module 309 gold flow processing module 310 database 311 24