201011675 九、發明說明： 【發明所屬之技術領域】 本發明係有關於一種金融電子商務之生死合險的保險領域，特別 有關於運用資訊科技，創造一種互助式生死合險之方法與系統。 【先前技術】 生死合險是一種保守性的错蓄保障型保險商品，又稱為養老保 險’提供保險期間享有保障、滿期政還能領回保费的儲蓄型險種。生 死合險错蓄部份的利率，係以鵪當安全的定期存款利率為準；死亡保 障部份於保險期間屆滿時即消失《•近年來，銀行端銷售生死合險商品 時’時常將之比擬為零存整付存款與保險之组合，因此赢得市場保守 型客戶的熱愛。 事實上，生死合險是一種固定利率商品，和銀行短期的定期存款 不同，保險公司必須承擔利差風險。因此，保險公司在經營「生死合 險」之險種時，對其保險费用的規劃必須在保障保费和利差風險間擺 盪。提高保障保费、降低錄蓄利率是保險公司的最愛，但此舉將遭受 失去市場的風險。根據保險業的長期觀察，保陣部份透過精算是比較 能掌握的獲利區塊，利差困境卻是保險業的夢魘。因此，如何消除利 率風險係成為保險界對於經營「生死合險」類之保險的迫切課題。 其次，近年來，由於資訊的發達，各項保險投資商品暢旺，對於 201011675 保守型的「生死合險」商品愈來愈無法符合市場上熱烈的投資儲蓄熱 潮，更可惜的是，「生死合險」只滿足守型客戶的需求，違背大眾 型個人化（Mass-Individualization )的個性化保險商品的保險趨勢。 因此，如何讓「生死合險」注入諸如擴大信用之特質以成為一種客製 化的保險商品，來滿足市場上各種風險偏好的客戶族群需求，將成為 眾所期待的保險商品。 專利號碼 US 6,999,935 之美國專利「Method of calculating premium payment to cover the risk attributable to insureds surviving a specified period」係揭露一種保費計算機制，其將要保人領取之滿期 生存保險金須課稅之事實事先納入考量，藉以計算出最適當之保费； 然而，此一專利並未解決保險公司之利差風險問題。 【發明内容】 綜上所述，本發明提供一種互助式生死合險之方法舆系統以解決 以上間題。本發明之發明目的如下： 1. 本發明係以互助式存借平台的保險费缴交方式，取代傳統「生死 合險」的保费結構，讓保險公司免除負擔利率風險，而要保人得 以擴大信用來進行投資以獲取更高報酬。 2. 本發明建立保險平台觀念，破除保險公司「有風險才有報酬」的 迷思，讓保險公司在資訊對稱下賺取手續费。 201011675 3. 本發明建立互動式交易概念的保險平台：傳統的保險契約，都是 由保險公司精算設定，精算結果的透明度低，消费方毫無置嗓餘 地；網路時代因資訊發達，公平、合理、透明度高的互動式保險 平台於焉誕生》 4. 本發明提供要保人繳交费用的自主決定權，使要保人可自由選择 不競標以取得儲蓄保障或競標以取得資金進行更高收益之投資， φ 並參與保險公司分紅，提昇未來可取得之保險金總額。 5. 本發明為儲蓄化的保險，由儲蓄搭配保障，以消除道德風險，使 •要保人及受益人得以經由儲蓄或投資為未來取得保障。 6. 本發明為一開放型保險商品，可滿足各類型風險偏好的投資族 群，有別於傳統「生死合險」商品只適合於保守型客戶β 7. 本發明可經由互助式存借平台之運作，反映市場利率，創造市場 上具指標性之參考利率。 為實現以上目的，本發明提供一種互助式生死合險之方法，其應 用於一互助式生死合險系統，該方法包含下列步驟： 由一要保人以一電子憑證進入該互助式生死合險系統，該互助式 生死合險系統之一線上保單購買作業模組從一電子憑證核發機構獲 得並審核對應該電子憑證之該要保人之該基本資料，由該要保人購買 由該線上保單購買作業模组所提供之一互助式生死合險保單，該互助 201011675 式生死合險保單包含一互助式存借平台競標交易組合； 由該互助式生死合險系統之一互助式存借平台競標模組等待參 與競標之該要保人之人數額滿，該人數與該互助式存借平台競標交易 组合之一競標期數相同； 由該要保人進入該互助式生死合險系統並輸入一投標金額以參 與競標，該互助式生死合險系統之該互助式存借平台競標棋组根據所 • 輸入之該投標金额以最高的投標金额作為一得標金额並決定得標者； 由該互助式生死合險系統之一保險金給付作業模組根據該得標 金額結算一總得標金、一存款金額舆一還款金额； 由該保險金給付作業模组交割已存入未得標之該要保人之一個 人虚擬帳戶之一存款金額； 在該要保人未得標時，由該保險金給付作業模組判斷一被保險人 在該互助式生死合險保單到期前是否出險； 在該要保人未得標時，若該被保險人在該互助式生死合險保單到 _ 期前出險，則由該保險金給付作業模组給付該互助式生死合險保單之 一生死合險理賠金給一受益人； 由該保險金給付作業模组交割6得標之該要保人之該還款金额； 由該保險金給付作業模组交割該總得標金以存入當會期得標之 該要保人之一投資管理帳戶； 由該互助式生死合險系統之一投資管理作業模组提供各種投資 標的以供該要保人之該投資管理帳戶之該總得標金進行投資，並公佈 對應該總得標金所投資之一投資標的、一投資損益及一資產淨值； 201011675 在該要保人已得標時，由該保險金給付作業模組判斷該互助式生 死合險保單是否到期； 若該互助式生死合險保單到期，則由該保險金給付作業模组結算 該要保人之該投資管理帳戶之該總得標金經投資之該資產淨值、及結 算該資產淨值在扣除該生死合險保險給付後之一紅利； 當該釭利為正值時，由該保險金給付作業模組給付該生死合險保 險給付及該紅利給該要保人，當該紅利為負值或零時，由該保險金給 付作業模组給付該生死合險保險給付給該要保人； 若該互助式生死合險保單未到期，在該要保人已得標時，則由該 保險金給付作業模组判斷該被保險人是否出險； 在該要保人已得標時，若該被保險人出險，則由該保險金給付作 業模组結算該要保人之該投資管理帳戶之該總得標金經投資之該資 產淨值、及結算該資產淨值在扣除該生死合險理賠金後之該紅利；以 及 當該紅利為正值時，由該保險金給付作業模組給付該生死合險理 賠金及該紅利给該受益人，當該紅利為負值或零時，由該保險金給付 作業模組給付該生死合險理賠金給該受益人。 本發明提供一種互助式生死合險系統，其包含： 一線上保單購買作業模組，用以根據一要保人之一電子憑證從該 互助式生死合險系統外部之一電子憑證核發機構取得該要保人之一 基本資料’並審核該基本資料，提供一互助式生死合險保單以供該要 保人選擇購買； 201011675 一互助式存借平台競標模組，用以該要保人輸入一投標金額，並 根據平台所有輸入之該投標金額中以最高的投標金額作為一得標金 额並決定得標者； 一投資管理作業模組，用以提供各種投資標的以供該要保人之一 投資管理帳戶之一總得標金進行投資，並公佈對應該投資管理帳卢之 該總得標金所投資之一投資標的、一投資損益及一資產淨值；以及 • 一保險金給付作業模組，用以根據該得標金額結算該總得標金、 一存款金額舆一還款金額，交割該總得標金以存入該投資管理帳戶、 已存入該未得標之該要保人個人虚擬帳戶之該存款金额、及在每一會 期所繳納之該還款金額，根據該互助式生死合險保單是否到期及一被 保險人是否出險以給付一生死合險理賠金（出險）或保險給付（未出 險）及/或一紅利給該要保人或一受益人，該紅利係該總得標金經投 資之該資產淨值在扣除該生死合險理賠金或保險給付後為正值之餘 额。 __【實施方式】 以下特將本發明具髏實施方式詳細描述，並列舉較佳之具髋實施 例說明如下： 圈一係本發明之互助式生死合險系統之方塊圈。在圖一中，互助 式生死合險系統402藉由網路、有線及無線通訊方式舆要保人所使用 201011675 之互助式生死合險系統402外部之一终端機者401(如電雎、手機、 PDA等裝置)進行通訊，而與要保人做一即時安全之訊息交換。由要 保人藉由终端機401向互助式生死合險系統4〇2購買互助式生死合險 保單、參與互助式生死合險系統402之競標、及從互助式生死合險系 統402獲知競標的結果舆收付款項β 下文中將描述互助式生死合險系統402所包含之一線上保單購 買作業模组405、一互助式存借平台競標模組407、一投資管理作業 模组409、一保險金給付作業棋组412及一資料庫413等各模组之操 作。 線上保單購買作業模組4〇5根據要保人之一電子憑證從互助式 生死合險系統402外部之一電子憑證核發機構403取得要保人之一基 本資料，並審核該要保人之基本資料，提供一互助式生死合險保單以 供要保人選擇購買。 在保險金給付作業模组412收取要保人所缴納之保费後，線上保 單購買作業模組405核發互助式生死合險保單之一電子保單給要保 人0 其中，電子保單之核保項目包含一要保書之内容填窝是否完整及 真實、要保人購買互助式生死合險保單之資格、要保人舆被保險人之 關係、被保險人投保之資格、被保險人是否書面同意保險契約、要保 201011675 人所參與之互助式生死合險保單之一互助式存借平台競標交易组合 之一總會款、被保險人之實際經濟需求與保額之間的比例、以及要保 人之個人條件、就業狀況、年收入是否能使其長期持續穩定地繳交保 费。 電子憑證核發機構403接收由經營互助式生死合險系綵之保險 公司所傳送之互助式生死合險保單之資料，在加密、數位簽章、存證 後，電子憑證核發機構403將互助式生死合險保單傳送至該保險公 司，而該保險公司再將其傳送至要保人。 互助式生死合險保單包含有互助式存借平台競標交易组合，該互 助式存借平台競標交易組合包含一競標期限、一競標期數及一總會 款。互助式生死合險保單之生死合險理賠金或保險給付之金額與互助 式存借平台競標交易組合之總會款之金額相同。 在等待參與競標之要俤人的人數(該人數與互助式存借平台娩標 交易組合中的競標期數相同）额滿時，要保人藉由终端機4〇1輸入一 投標金額至互助式存借平台競標模組407，根據所有輸入的投標金額 以最高的投標金额作為一得標金額並決定得標者β互助式存借平台競 標模組407將開標結果經由终端機401傳送至要保人。互助式存借平 台競標模組407將前述各項資料存入資料庫413。 在當有數個具有相同之最高投標金额時，互助式存借平台競標模 11 201011675 組407以抽籤方式抽出最高投標金額之該等要保人的其中一者為得 標者’得標金額即為此最高投標金額；當無人投標時，互助式存借平 台競標模組407以抽籤方式抽出未投標之該等要保人的其中一者為 得標者’此抽籤方式之得標金額係互助式存借平台競標模組4〇7所規 定之一基本標金。 投資管理作業模組409提供各種投資標的以供要保人之一投資 管理帳戶之一總得標金進行投資，並公佈對應投資管理帳戶之總得標 金所投資之一投資標的、一投資損益及一資產淨值。其中，投資標的 包含共同基金、有償證券及衍生性金融商品至少一者之金联商品。 保險金給付作業模组412根據得標金額結算總得標金、一存款金 额與一還款金額。保險金給付作業模组412交割以存入投資管理帳戶 之總得標金、已存入個人虚擬帳戶之存款金额、及在每一會期所缴納 之還款金额。 . 保險金給付作業模組412根據互助式生死合險保單是否到期及 被保險人是否出險以給付一生死合險理賠金（出險）或保險給付（未 出險）及/或一紅利給要保人或受益人，該紅利係總得標金經投資之 資產淨值在扣除生死合險理賠金或保險給付後為正值之餘額。 保險金給付作業模组412將未得標之要保人之存款金额及已得 標之要保人之還款金额分別轉換成該會期得標之要保人之總得標金 12 201011675 的一部分ο 保險金給付作業模組412接收由互助式生死合險系統402外部之 一保險公司理賠作業系統404所傳送之理賠申請結果，該理賠申請結 果係在被保險人出檢時，由保險公司接收理賠申請，進行保險事故認 定，以及判斷是否符合理賠標準》 資料庫413用以由線上保單購買作業棋組4〇5存取要保人之基本 馨 資料、互助式生死合險保單及互助式存借平台競標交易組合之資料， 由互助式存借平台競標棋組407存取投標金额、最高的投標金额、得 標金额與得標者之資料’由投資管理作業模組409存取投資標的、投 資損益及資產淨值之資料’及保險金給付作業模组412存取得標金 额、總得標金、還款金额、存款金额、被保險人之出險資料、生死合 險理賠金、保險給付、紅利、互助式生死合險保單、投資管理帳戶及 個人虚擬帳戶之資料》 對於得標之要保人而言’保險金給付作業模组412依照利息給付 的先後來結算總得標金有以下兩種計算式： 利息先支付：Λ =(以一人)X(iV-n)+t/x(/i-l) .............(1) 利息後支付：+ .......…⑺201011675 IX. Description of the invention: [Technical field to which the invention pertains] The present invention relates to the field of insurance for life and death of financial e-commerce, and particularly relates to the use of information technology to create a mutual aid method and system for life and death. [Prior Art] Life and death insurance is a kind of conservative miscellaneous insurance-type insurance products, also known as pension insurance, which provides protection-type insurance for insurance during the insurance period and for the full-term administration. The interest rate of the part of the life and death insurance is based on the safe deposit rate of the time deposit; the death guarantee part disappears when the insurance period expires. • In recent years, when the bank sells life and death insurance products, it is often used. Compared with the combination of zero deposits and deposits and insurance, it has won the love of conservative customers in the market. In fact, life and death insurance is a fixed-rate commodity. Unlike a bank's short-term fixed deposits, insurance companies must bear the spread risk. Therefore, when an insurance company operates a “life and death risk” insurance, its insurance expenses must be planned to protect the premium and spread risk. Increasing premiums and lowering interest rates are the favorite of insurance companies, but they will be at risk of losing market. According to the long-term observation of the insurance industry, the insurance sector is a profitable block that can be mastered through actuarial calculations. The spread dilemma is the nightmare of the insurance industry. Therefore, how to eliminate interest rate risk has become an urgent issue for the insurance industry to operate insurance for “life and death”. Secondly, in recent years, due to the development of information, various insurance investment products are booming. For 201011675, the conservative “life and death insurance” products are increasingly unable to meet the hot investment and investment boom in the market. What’s more, “life and death insurance” It only meets the needs of the custodian customers and violates the insurance trend of personalized insurance products of Mass-Individualization. Therefore, how to let the “life and death insurance” inject the characteristics of credit to become a kind of customized insurance products to meet the needs of the customer groups with various risk preferences in the market will become the insurance products that everyone expects. US Patent No. 6,999,935, "Method of calculating premium payment to cover the risk attributable to insureds surviving a specified period", discloses a premium computer system in which the fact that the life insurance premium to be collected by the guarantor is taxable is included in advance. Considering the most appropriate premiums; however, this patent does not address the spread risk of insurance companies. SUMMARY OF THE INVENTION In summary, the present invention provides a mutual aid type of life and death method to solve the above problems. The object of the invention is as follows: 1. The invention replaces the traditional "life and death insurance" premium structure by means of the insurance premium payment platform of the mutual aid deposit and lending platform, so that the insurance company can be exempted from the interest rate risk, and the insurance person can be expanded. Credit to invest to get higher pay. 2. The invention establishes the concept of insurance platform and breaks the myth of the insurance company's “risk to be rewarded”, so that insurance companies can earn commissions under the symmetry of information. 201011675 3. The invention establishes an insurance platform for the concept of interactive transactions: the traditional insurance contract is set by the insurance company actuarial, the transparency of the actuarial results is low, and the consumer has no room for it; the Internet age is developed, fair, The rational and transparent interactive insurance platform is born in the future. 4. The invention provides the discretion of the insurer to pay the fees, so that the insurer can freely choose not to bid for savings protection or bidding for funds. High-yield investments, φ participate in insurance company dividends, and increase the total amount of insurance money that can be obtained in the future. 5. The invention is a savings-based insurance that is guaranteed by a combination of savings to eliminate moral hazard, so that the insurer and the beneficiary can be protected for future savings through savings or investment. 6. The present invention is an open type insurance product, which can satisfy various types of risk preference investment groups, and is different from the traditional “life and death insurance” products only for conservative customers. 7. The invention can be accessed through a mutual aid platform. Operation, reflecting market interest rates, creating an indicative reference rate on the market. In order to achieve the above object, the present invention provides a mutual assistance type of life and death insurance method, which is applied to a mutual aid type life and death risk insurance system, and the method comprises the following steps: an insured person enters the mutual aid type life and death insurance with an electronic certificate System, the online policy purchase operation module of the mutual aid type life and death insurance system obtains and reviews the basic information of the insured corresponding to the electronic certificate from an electronic certificate issuing institution, and the insured purchases the online policy One of the mutual help type life and death insurance policies provided by the purchase operation module, the mutual help 201011675 type life and death insurance policy includes a mutual aid type loan platform bidding transaction combination; the mutual aid type life and death insurance platform is a mutual aid type loan platform bidding The module waits for the amount of the insured person to participate in the bidding to be the same, and the number of bidding period is the same as the bidding period of the mutual aid type lending platform bidding contract; the insured person enters the mutual aid type life and death risk insurance system and inputs one The bid amount is to participate in the bidding, and the mutual aid type lending platform of the mutual aid type life and death insurance system bids the bid group according to the bid input The highest bid amount is used as the winning amount and the winner is determined; one of the mutual aid type life and death insurance system, the insurance payment operation module, settles a total amount of the standard, one deposit amount and one repayment according to the winning amount. The amount of deposits deposited by the insurance payment operation module into one of the personal virtual accounts of the insured person who has not been awarded the bid; when the insured person fails to obtain the bid, the insurance payment operation module judges Whether the insured person is in danger before the maturity of the mutual aid life and death insurance policy; if the insured person fails to obtain the bid, if the insured person is in danger before the mutual aid type life and death insurance policy expires, The insurance payment operation module pays one of the mutual aid type life and death insurance policy to one beneficiary; the insurance payment payment operation module delivers 6 the amount of the repayment amount of the insured person; The insurance payment operation module delivers the total amount of the deposit to be deposited in the investment management account of the insured person who is entitled to the session; the investment management operation module of the mutual aid type life and death insurance system provides various investment targets. For Investing in the investment management account of the total amount of the investment fund, and publishing one of the investment targets, one investment profit and loss and one net asset value corresponding to the total investment of the standard fund; 201011675 When the insurer has obtained the bid, The insurance payment operation module determines whether the mutual aid type life and death insurance policy expires; if the mutual assistance type life and death insurance policy expires, the insurance payment operation module settles the investment management account of the insured person The total net proceeds of the investment, the net asset value of the investment, and the settlement of the net asset value after deducting the dividend of the life and death insurance insurance; when the profit is positive, the insurance payment operation module pays the life and death The insurance insurance payment and the bonus are given to the insured. When the dividend is negative or zero, the insurance payment operation module pays the life insurance insurance to the insured; if the mutual aid is life and death insurance If the policy has not been expired, the insurance premium payment operation module determines whether the insured person is in danger; if the insured person has obtained the standard, if the insured person is in danger, then By this The insurance payment operation module settles the net asset value of the total investment amount of the investment management account of the insured person and the dividend of the net asset value after deducting the life and death insurance claim; and when the dividend is When the value is positive, the insurance payment operation module pays the life and death insurance claim and the bonus to the beneficiary. When the bonus is negative or zero, the insurance payment operation module pays the life and death. The insurance claim is given to the beneficiary. The invention provides a mutual help type life and death risk insurance system, comprising: an online policy purchase operation module, configured to obtain the electronic certificate from an electronic voucher issuing institution of the mutual aid type life and death insurance system according to an electronic certificate of an insured person To protect one of the basic information 'and review the basic information, provide a mutual aid life and death insurance policy for the insured to choose to purchase; 201011675 A mutual aid deposit platform bidding module for the insured person to enter a The bid amount, and according to all the bid amounts input by the platform, the highest bid amount is used as the winning amount and determines the winner; an investment management operation module is used to provide various investment targets for the insured person. One of the investment management accounts is required to invest in the standard fund and publish one of the investment targets, one investment profit and loss and one net asset value of the total investment fund for the investment management account; and • a insurance payment operation module, In accordance with the winning amount, the total amount of the winning bid, the amount of the deposit, and the amount of the repayment amount are settled, and the total winning amount is delivered to be deposited in the investment management account. The amount of the deposit that has been deposited in the unclaimed personal virtual account of the insured person, and the amount of the repayment paid in each session, according to whether the mutual aid type life and death insurance policy expires and an insured person Whether to pay for a life-and-death insurance claim (risk) or insurance payment (not for insurance) and/or a bonus to the insured or a beneficiary, the dividend is the net worth of the total amount of the invested capital invested in the deduction The balance of the life and death insurance claims or insurance benefits is positive. __ [Embodiment] The following is a detailed description of the embodiments of the present invention, and a preferred embodiment of the hip embodiment is as follows: The circle is a block of the mutual aid type life and death risk system of the present invention. In Figure 1, the mutual-assisted life-and-death insurance system 402 uses one of the external terminals of the 201011675 mutual-assisted life and death insurance system 402 (such as eDonkeys and mobile phones) through network, wired and wireless communication. , PDA and other devices) to communicate, and to ensure that people do an instant secure message exchange. The insured person purchases the mutual aid type life and death insurance policy by the terminal 401, and participates in the bidding of the mutual help type life and death insurance system 402, and learns the bidding from the mutual help type life and death insurance system 402. Result Receipt Payment Item β Hereinafter, an online policy purchase operation module 405, an mutual assistance deposit platform bidding module 407, an investment management operation module 409, and an insurance included in the mutual help type life and death insurance system 402 will be described. The gold pays for the operation of each module such as the work group 412 and a database 413. The online policy purchase operation module 4〇5 obtains one basic information of the insured person from one of the electronic certificate issuing institutions 403 outside the mutual aid type life and death insurance system 402 according to one of the electronic documents of the insured person, and reviews the basic information of the insured person. Information, providing a mutual help life and death insurance policy for the insurer to choose to purchase. After the insurance premium payment operation module 412 collects the premium paid by the insurance applicant, the online policy purchase operation module 405 issues an electronic insurance policy for one of the mutual aid life and death insurance policies to the insured person. Among them, the electronic insurance policy of the insurance policy Including whether the content of the required book is complete and true, the qualification of the insured person to purchase the life-and-death insurance policy, the relationship between the insured person, the insured's insurance, and the insured's written consent Insurance contract, one of the mutual aid type of life and death insurance policies for one of the mutual aid life and death insurance policies that 201011675 people are involved in, the total amount of the bidding transaction portfolio, the ratio between the actual economic needs of the insured and the insured amount, and the insurance Whether the individual's personal conditions, employment status, and annual income can make it pay premiums in a long-term and stable manner. The electronic voucher issuing institution 403 receives the information of the mutual aid type life and death insurance policy transmitted by the insurance company of the business mutual aid type life and death insurance system. After the encryption, the digital signature and the deposit certificate, the electronic voucher issuing institution 403 will mutually support the life and death. The insurance policy is transmitted to the insurance company, which in turn transmits it to the insurer. The Mutual Aid Life and Death Insurance Policy includes a mutual assistance platform for bidding transactions. The mutual loan platform trading portfolio includes a bidding period, a bidding period and a general meeting. The amount of the life and death insurance claims or insurance benefits of the mutual aid type life and death insurance policy is the same as the total amount of the general payment of the mutual loan platform. When the number of people waiting to participate in the bidding is the same as the number of bidding periods in the portfolio of the mutual aid loan platform, the insurer enters a bid amount to the mutual help through the terminal 4〇1. The deposit and withdrawal platform bidding module 407, according to all the input bid amounts, uses the highest bid amount as the winning amount and determines the bidder β mutual aid deposit platform bidding module 407 to transmit the bid opening result to the terminal via the terminal 401. Protector. The mutual-assisted deposit and withdrawal platform bidding module 407 stores the foregoing items in the database 413. When there are several identical bid amounts, the mutual aid platform bidding model 11 201011675 group 407 draws the highest bid amount by lottery. One of the insured persons is the winner. The highest bid amount; when no one bids, the mutual aid platform bidding module 407 draws out one of the unguarantored bidders by the lottery method as the winner. 'The winning amount of the lottery method is mutual aid. One of the basic standard deposits specified in the bidding module 4〇7. The investment management operation module 409 provides various investment targets for one of the investment management accounts of one of the insured persons to invest in the total amount of the investment fund, and announces one of the investment targets, one investment profit and loss and one of the investment funds corresponding to the investment management account. net asset value. Among them, the investment target includes at least one of the mutual funds, the paid securities and the derivative financial products. The insurance payment operation module 412 settles the total amount of the deposit, the amount of the deposit and the amount of the repayment according to the winning amount. The insurance payment operation module 412 delivers the total amount of deposits deposited into the investment management account, the deposit amount deposited into the personal virtual account, and the amount of the repayments paid during each session. The insurance payment operation module 412 according to whether the mutual aid type life and death insurance policy expires and whether the insured person is in danger to pay a life and death insurance claim (risk) or insurance payment (not in danger) and/or a bonus to be guaranteed The person or the beneficiary, the dividend is the total amount of the net asset value of the investment, which is a positive balance after deducting the life and death insurance claim or insurance payment. The insurance payment operation module 412 converts the amount of the deposit of the unguaranteed insurer and the repayment amount of the insured person who has obtained the bid into a part of the total bid of the insured person of the meeting period 12 201011675 ο The insurance payment operation module 412 receives the result of the claim application transmitted by the insurance company claims operation system 404 outside the mutual aid type life and death insurance system 402, and the claim application result is received by the insurance company when the insured is inspected. Claim application, identification of insurance accidents, and judgment of whether it meets the claim standard. The database 413 is used to purchase the basic game information of the insured person, the mutual help type life and death insurance policy and the mutual aid deposit from the online game purchase operation group 4〇5. By means of the information of the platform bidding transaction combination, the bidding amount, the highest bid amount, the bid amount and the bidder's information are accessed by the mutual aid platform borrowing platform 407, and the investment management operation module 409 accesses the investment target, Information on investment profit and loss and net asset value' and insurance payment operation module 412 to obtain the target amount, total bid, repayment amount, deposit amount, insured Insurance information, life and death insurance claims, insurance benefits, bonuses, mutual aid life and death insurance policies, investment management accounts and personal virtual accounts. For the winners of the standard, the insurance payment operation module 412 according to interest There are two calculation formulas for the payment of the total amount of the payment: The interest is paid first: Λ = (in one person) X (iV-n) + t / x (/ il) ........... ..(1) Payment after interest: + ..........(7)
i=J 其t , 4係為得標要保人於第„期得標之總得標金； c/係為一競標上限； 13 201011675 #係為競標期數； ”係為一現行期數，且Λ Sat ; /„係為得標要保人於第/1期之得標金額； 係為未得標要保人於第,·期進行存款金额，且。 上述前得標要保人需在往後期數進行還款，還款金额的計算方式 如下： ⑶ (4)i=J, t, 4 is the total bid for the winning bid in the first period; c/ is the upper limit of bidding; 13 201011675 # is the number of bidding periods; And Λ Sat ; / „ is the winning amount of the winner in the first / first period; the amount of the deposit is not required to be insured by the insurer, and the above-mentioned winning bid requires the insured In the later period, the repayment amount is calculated as follows: (3) (4)
利息先支付： 利息後支付： 其中， ί/係為一競標上限； 4係為得標要保人於第η期得標金額。 保險金給付作業模組412結算未得標要保人之存款金額係依照 利息先後支付有兩種計算方式： 利息先支付：U-/e...............................................…….(5) 利息後支付：C/.....................................................„(6) 其中， C/係為一競棵上限； /„係為根據第《期之得標要保人之得標金额。 〆、 圔二係本發明之互助式生死合險方法之流程圈。在描述圈二之流 程的同時’請一併參考圖一之各組件。 首先，由要保人藉由终端機401以一電子憑證進入互助式生死合 14 201011675 險系統402。互助式生死合險系統402之線上保單購買作業模组405 從電子憑證核發機構403獲得並審核對應該電子憑證之要保人之基 本資料。線上保單購買作業模组4〇5提供不同競標期限、不同競標期 數及不同會款之各種互助式生死合險保單之形式以供要保人選擇購 買(步驟S101)。線上保單購買作業模組4〇5將要保人的基本資料、互 助式生死合險保單等儲存於資料庫413。 參 互助式生死合險保單包含有互助式存借平台競標交易组合，而該 互助式存借平台競標交易组合包含一婕標期限、一競標期數及一總會 款。互助式生死合險保單之生死合險理賠金、保險給付之金額與互助 式存借平台競標交易组合之總會款之金額相同。 其中，要保人之電子憑證係向電子憑證核發機構403申請，在要 保人提供基本資料給電子憑證核發機構403並經審核後，電子憑證核 φ 發機構403給予要保人之電子憑證，以作為要保人身份認證之用。 由保險金給付作業模組412收取要保人所繳納之互助式生死合 險保單之保费，並由線上保單購買作業棋組405核發互助式生死合險 保單之一電子保單給要保人(步驟S103)。而電子保單之核保項目如上 所述。 其中，互助式生死合險保單規定所要缴納的費用包含保險期間的 保費及互助式生死合險系統402競標期間之存款金额或還款金額。 15 201011675 接著，由互助式存借平台競標模组407等待參與競標之要保人之 人數額滿’該人數與互助式存借平台競標交易组合之競標期數相同 (步驟 S104)。 當參舆競標之要保人的人數額滿時，由該要保人藉由终端機4〇1 進入互助式生死合險系统402並輸入一投標金额以參舆競標。互助式 存借平台競標模組407根據所有參舆該平台要保人所輸入之投標金 φ 額以最高的投標金額作為一得標金額並決定得標者(步驟S105)。互助 式存借平台競標模組407將投標金额、最高的投標金額、得標金額及 得標者等資料儲存於資料庫413 » 其中，在當有數個具有相同之最高投標金额時，互助式存借平台 競標棋组407以抽籤方式抽出最高投棵金額之該等要保人的其中一 者為得標者，得標金额即為此最高投標金额；當無人投標時，互助式 存借平台競標模组407以抽籤方式抽出未投標之該等要保人的其中 • „ 一者為得標者’此抽籤方式之得標金额係互助式存借平台競標模组 407所規定之一基本標金、 由保險金給付作業模組412根據從資料庫413所取得之得標金額 結算得標之要保人之一總得標金(如上述計算式⑴或(2))、未得標之要 保人所要缴交之一存款金额(如上述計算式(5)或(6))、及已得標之要保 人之一還款金額(如上述計算式(3)或(4))(步驟S107)。保險金給付作 業樑組412將總得標金、存款金額及還款金额等資料儲存於資料庫 16 201011675 413 〇 其中’由保險金給付作業棋組412將未桴標之要保人之存款金額 轉換成該會期得標之要保人之總得標金的一部分，並由保險金給付作 業模組412將已得標之要保人之還款金額及已得標要保人之還款金 額分別轉換成該會期得標之要保人之總得標金的一部分。 接著，由保險金給付作業模組412交割已存入未得標之要保人之 ❶ 個人虚擬帳戶之存款金额(步驟S109)。在要保人未得標時，由保險金 給付作業模组412判斷被保險人在互助式生死合險保單到期前是否 出險(步驟S111)。當被保險人出險時，由保險公司接收理賠申請，進 行保險事故認定，以及判斷是否符合理賠標準，保險公司藉由保險公 司理賠作業系統404將理賠申請結果傳送至互助式生死合險系統402 之保險金給付作業模组412。 在要保人未得標時’若被保險人在互助式生死合險保單到期前出 險，則由保險金給付作業模组412給付互助式生死合險保單之生死合 Φ 險理賠金給受益人(步驟S113);在要保人未得標時，若被保險人在互 助式生死合險保單到期前未出險，則進行步驟S105。 其次，由保險金給付作業模组412交割總得標金以存入當會期得 標之要保人之投資管理帳戶(步驟S115)。投資管理作業模組409提供 各種投資標的以供要保人之投資管理帳戶的總得標金進行投資，並公 佈對應該總得標金所投資之一投資標的、一投資損益及一資產淨值， 投資管理作業模组409將該等資料儲存至資料庫413 (步驟S117)。然 後，由保險金給付作業模组412交割已得標之要保人之還款金额(步 驟S119)。其中，投資標的包含共同基金、有價證券及衍生性金融商 17 201011675 品至少一者之金融商品β 在要保人已得標時，由保險金給付作業模組412判斷互助式生死 合險保單是否到期(步称S121)。當該互助式生死合險保單到期時，保 險公司藉由保險公司理賠作業系統404通知保險金給付作業模組 412» 若互助式生死合險保單到期，則由保險金給付作業模组412結算 要保人之投資管理帳戶之總得標金經投資之資產淨值、及結算該資產 淨值在扣除生死合險保險給付後之紅利(步驟S123)。 當紅利為正值時，由保險金給付作業模組412給付生死合險保險 給付及紅利給要保人，當紅利為負值或零時，由保險金给付作業模组 412給付生死合險保險給付給要保人(步驟S125)。 若互助式生死合險保單未到期，在要保人已得標時，則由保險金 給付作業模组412判斷被保險人是否出險(步驟S127)。判斷被保險人 是否出險之方式如同步驟S111所述。 在要保人已得標時，若被保險人未出險，則進行步驟S121 ;若 被保險人出險，則由保險金給付作業模組412結算要保人之投資管理 帳戶之總得標金經投資之資產淨值、及結算該資產淨值在扣除生死合 險理賠金後之紅利(步驟S129) » 當紅利為正值時，由保險金給付作業模組412給付生死合險理賠 金紅利給受益人，當紅利為負值或零時，由保險金給付作業模組 412給付生死合險理賠金給受益人(步驟S131)。 當由受益人或要保人領取生死合險理賠金及/或紅利時，终止互 助式生死合險保單之契約(步驟S133)» 201011675 下文說明一實施例，同時參考圖一及二，以說明本發明之互助式 生死合險之方法舆系統的實施方式。 老吳欲購買由本發明所提出之互助式生死合險的保險商品，於是 老吳藉由终端機401在線上以其電子憑證向互助式生死合險系統402 進行互助式生死合險保單之購買作業（步驟S101)。其中，該互助式 生死合險保單包含一具有一競標期限、一競標期數及一總會款之互助 • 式存借平台競標交易組合。 老吳在線上保單購買作業棋组405審核其基本資料及繳交保费 後，由線上保單購買作業模組405核發互助式生死合險保單之電子保 單（步驟S103)。老吳在保險公司核保後所選擇購買之互助式生死合 險保單之保險契約如下：Interest paid first: After interest payment: Where ί/ is the upper limit of bidding; 4 is the winning bidder in the η period. The insurance payment operation module 412 settles the deposit amount of the unguaranteed claimant in accordance with the interest payment. There are two calculation methods: Interest payment: U-/e.............. ..................................(5) Payment after interest: C/.... ................................................( 6) Among them, the C/system is the upper limit of the competition; /„ is the amount of the winning bidder according to the “period of the period”. 〆 and 圔 are the process circles of the mutual aid type life and death risk method of the present invention. While describing the process of circle 2, please refer to the components of Figure 1. First, the insured person enters the mutual aid type 14 201011675 insurance system 402 by means of the terminal 401 with an electronic voucher. The online policy purchase operation module 405 of the mutual help type life and death insurance system 402 obtains and reviews the basic information of the insured person corresponding to the electronic certificate from the electronic voucher issuing institution 403. The online policy purchase operation module 4〇5 provides various forms of mutual assistance type life and death insurance policies for different bidding periods, different bidding periods and different remittances for the insured to choose to purchase (step S101). The online policy purchase operation module 4〇5 stores the basic information of the insured person, the mutual aid type life and death insurance policy, and the like in the database 413. The mutual help type life and death insurance policy includes a mutual aid deposit platform bidding transaction combination, and the mutual aid deposit platform bidding transaction portfolio includes a bidding period, a bidding period and a general meeting. The amount of the life and death insurance claims and the insurance payment of the mutual aid type life and death insurance policy is the same as the total amount of the general payment of the mutual loan platform. The electronic voucher to be insured is applied to the electronic voucher issuing institution 403. After the insurer provides the basic information to the electronic voucher issuing institution 403 and is audited, the electronic voucher issuing authority 403 gives the electronic voucher of the insured. In order to be certified as a guarantor. The insurance premium payment operation module 412 collects the premium of the mutual aid type life and death insurance policy paid by the insured person, and the online game purchase operation chess group 405 issues an electronic insurance policy for one of the mutual aid life and death insurance policies to the insured person (step S103). The underwriting of the electronic policy is as described above. Among them, the fees to be paid for the mutual aid type of life and death insurance policy include the premium during the insurance period and the deposit amount or repayment amount during the bidding period of the mutual aid type life and death insurance system 402. 15 201011675 Next, the bidding module 407 of the mutual-assisted deposit platform waits for the amount of the bidder to participate in the auction to be the same as the number of bidding periods of the bidding transaction combination of the mutual-assisted deposit platform (step S104). When the amount of the person who wants to protect the bidder is full, the insured person enters the mutual aid type life and death insurance system 402 by the terminal machine 4〇1 and inputs a bid amount to participate in the bidding. The mutual-assisted deposit and withdrawal platform bidding module 407 determines the winner by using the highest bid amount as the winning bid amount based on all the bids φ input by the insured person (step S105). The mutual-assisted deposit platform bidding module 407 stores the bid amount, the highest bid amount, the bid-win amount, and the bid winner in the database 413 » wherein, when there are several identical bid amounts, the mutual-assisted deposit One of the insured persons who draws the highest investment amount by lottery by the platform bidding chess group 407 is the highest bid amount; when the unmanned bidding, the mutual aid lending platform bids The module 407 extracts the unclaimed of the insured persons by lottery. „ One is the winner. The winning amount of the lottery method is one of the basic standard stipulated by the mutual aid type platform bidding module 407. The insurance payment operation module 412 is determined according to the winning amount obtained from the database 413, and the winner of one of the insured persons (such as the above calculation formula (1) or (2)), and the unqualified insurance. The amount of deposit to be paid by a person (such as the above formula (5) or (6)), and the amount of repayment of one of the insured persons (such as the above formula (3) or (4)) (step S107). The insurance payment operation beam group 412 will receive the total amount of the deposit and the deposit amount. The amount of repayment amount and the like are stored in the database 16 201011675 413 〇 where 'the insurance fund payment work group 412 converts the undeposited deposit amount of the insurer into the total amount of the required bidder of the meeting period. In part, and by the insurance payment operation module 412, the amount of the reimbursement of the insured person and the repayment amount of the insured person are respectively converted into the total amount of the insured person of the meeting period. Then, the insurance payment operation module 412 delivers the deposit amount of the personal virtual account that has been deposited in the unclaimed insured person (step S109). When the insured person fails to obtain the bid, the insurance premium is paid. The operation module 412 determines whether the insured person is in danger before the mutual help type life and death insurance policy expires (step S111). When the insured person is in danger, the insurance company receives the claim application, determines the insurance accident, and determines whether the claim is in compliance with the claim standard. The insurance company transmits the claim application result to the insurance payment operation module 412 of the mutual aid type life and death insurance system 402 by the insurance company claims operation system 404. If the insured person fails to obtain the standard, the insured person If the mutual aid type life and death insurance policy expires before the expiration of the insurance policy, the insurance payment operation module 412 pays the life and death of the mutual aid type life and death insurance policy to the beneficiary (step S113); If the insured does not take out the insurance before the maturity of the mutual aid type life and death insurance policy, proceed to step S105. Secondly, the insurance premium payment operation module 412 delivers the total winning amount to be deposited in the insured person who is entitled to the meeting. Investing in the management account (step S115). The investment management operation module 409 provides various investment targets for the investment of the insured person's investment management account, and announces an investment target corresponding to one of the total investment funds. The profit and loss and a net asset value, the investment management operation module 409 stores the data in the database 413 (step S117). Then, the premium payment operation module 412 delivers the repayment amount of the insured person who has obtained the bid (step S119). Among them, the investment target includes financial products of at least one of the mutual fund, the securities and the derivative financial institution 17 201011675. When the insured person has obtained the bid, the insurance payment operation module 412 determines whether the mutual aid type life and death insurance policy is Expiration (step S121). When the mutual aid life insurance policy expires, the insurance company notifies the insurance payment operation module 412 by the insurance company claims operation system 404. If the mutual aid life insurance policy expires, the insurance payment operation module 412 The total net proceeds of the investment management account of the insured person is settled by the net asset value of the investment, and the dividend of the net asset value after deducting the life and death insurance premium is paid (step S123). When the bonus is positive, the insurance payment operation module 412 pays the life and death insurance insurance payment and the bonus to the insured. When the bonus is negative or zero, the insurance payment operation module 412 pays the life and death insurance. It is paid to the insured person (step S125). If the mutual aid type life and death insurance policy has not expired, when the insured person has obtained the bid, the insurance payment operation module 412 determines whether the insured person is in danger (step S127). The manner of judging whether or not the insured is in danger is as described in step S111. If the insured has not obtained the risk, the step S121 is performed; if the insured is in danger, the insurance payment operation module 412 is used to settle the total amount of the investment management account of the insured person. The net asset value, and the dividend of the net asset value after deducting the life and death insurance claim (step S129) » When the bonus is positive, the insurance payment operation module 412 pays the life and death insurance claim bonus to the beneficiary, When the bonus is negative or zero, the insurance payment operation module 412 pays the life and death insurance claim to the beneficiary (step S131). When the beneficiary or the insured person receives the life and death insurance claims and/or dividends, the contract of the mutual help type life and death insurance policy is terminated (step S133) » 201011675 An embodiment will be described below, with reference to Figures 1 and 2 to illustrate The method of the mutual aid type of life and death and the method of the present invention. Lao Wu wants to purchase the insurance products of mutual help type life and death insurance proposed by the present invention, so Lao Wu uses the terminal 401 to carry out the purchase operation of the mutual help type life and death insurance policy with the electronic certificate to the mutual help type life and death insurance system 402. (Step S101). The mutual aid type life and death insurance policy comprises a mutual bidding platform bidding transaction combination having a bidding period, a bidding period and a total meeting amount. After the old Wu online policy purchase operation chess group 405 reviews the basic information and pays the premium, the online policy purchase operation module 405 issues an electronic policy of the mutual help type life and death insurance policy (step S103). The insurance contract of the Mutual Life and Death Insurance Policy that Lao Wu chose to purchase after the insurance company underwrites the insurance is as follows:
_____.互助式生死合險保單__ 保單條件 > 要保人：老吳 > 被保險人：老吳 >受益人：小吳（老吳之子） > 保險期間：6年 >保險金：720,000元新台幣整，餚蓄所得及分紅另加 > 分紅標準：要保人可取得90%之參舆分紅投資之利潤 __»保險费：500元新台修/月，外加储蓄金或會金 本保單之要保人可參加由本保險公司承作之互助式存倩平台，參舆條件 如下： >期間：6年共73期（每月一期） > 會金：10,000元新台幣整 __>底標：依二年期郵政倚金機動利率浮動計真 201011675 老吳購買本保單即取得一生死合險之保障，另取得一儲蓄或募集 資金擴大投資的機會。若老吳在競標期間進行儲蓄(即在競標期間老 吳未得標而缴交經保險金給付作業模组412所結算之存款金額)(步麻 S105、S107及S109)，則在互助式生死合險保單到期之前，保險金給 付作業模組412判斷老吳發生出險事件（即死亡或全殘等理賠發生事 件）（步驟S111) ’則不論老吳繳交多少期保费及存款金額，受益人小 吳都可取得由保險金給付作業模组412所給付之72萬元之生死合險 理賠金(步驟S113)。之後，终止互助式生死合險保單之契約(步驟 S133)〇 若老吳未競標，在儲蓄到期(亦即在最後一會期自然得標)後(步驟 S105及S107)，保險金給付作業模组412將所有會期之存款金额外加 利息(亦即上述之計算式(1)所計算之總得標金)交割以存入老吳的投 資管理帳戶(步驟S115)。 由於老吳在互助式生死合險保單到期時沒有出險(步騄S121)，所 以老吳可取得72萬元之生死合險保險給付(步驟S123及S125)，此即 互助式生死合險之理賠給付原則。之後，终止互助式生死合險保單之 契約(步驟S133)。 在此，假設老吳於競標期間之前兩年皆進行鍵蓄而未競標(步驟 S105)，假設此兩年期間内，互助式存借平台競標模组407之各會期 20 201011675 得標金额為1，000元(步驟S107)，即老吳於前24期在缴交保險费500 元之外，在各會期需繳交存款金額9,000元(10,000 -1，000)(如上述計 算式⑶)於老吳的個人虚擬帳戶以進行餘蓄(步驟S109)。 若老吳於第三年初（即第25期）向互助式生死合險系統402參 與標，而互助式存借平台競標模组407決定老吳以標金1，200元得 標(步驟S105)，由保險金給付作業模组412結算老吳可得到662,400 ❼ 元（8,800*48+10,000*24)之總得標金(如上述計算式(1))(步驟S115)。 投資管理作業棋组409提供各種投資標的以供老吳選擇，而此總得標 金根據老吳所選擇之投資標的進行投資(步驟S117)»老吳將在得標之 後的各會期需償還10,000元之還款金额(如上述計算式(3))。 天有不測風雲，若老吳於購買互助式生死合險保單後第三年不幸 身故(步称S127)，小吳（受益人）可向保險公司進行保險理賠請求，_____. Mutual help life and death insurance policy __ policy conditions> To protect people: Lao Wu> Insured: Lao Wu> Beneficiary: Xiao Wu (son of Wu) > Insurance period: 6 years > Insurance Gold: 720,000 yuan in NT dollars, food income and dividends plus > Dividend standard: to ensure that people can get 90% of the participating dividends investment profits __» Insurance: 500 yuan new Taiwan repair / month, plus savings The insured person of the financial insurance policy may participate in the mutual help type Chuangqian platform undertaken by the insurance company. The conditions are as follows: > Period: 6 years (73 issues per month) > Meetings: 10,000 yuan New Taiwan dollar __> Bottom standard: According to the two-year postal reliance on the mobile phone's mobile interest rate floating real 201011675 Lao Wu's purchase of this policy will guarantee the protection of life and death, and another opportunity to save or raise funds to expand investment. If Lao Wu saves during the bidding period (that is, the old Wu does not win the bid and pays the deposit amount settled by the insurance payment operation module 412 during the bidding period) (Step S105, S107 and S109), then the mutual help is life and death. Before the expiration of the risk insurance policy, the insurance payment operation module 412 judges that the old Wu has a risk occurrence event (ie, a death or a total disability occurrence event) (step S111)', regardless of the number of premiums and deposits paid by Laowu, benefiting The person Xiao Wu can obtain the 720,000 yuan life and death insurance claims paid by the insurance payment operation module 412 (step S113). After that, the contract of the mutual help type life and death insurance policy is terminated (step S133). If the old Wu is not bidding, after the savings expires (that is, naturally won the bid in the last session) (steps S105 and S107), the insurance payment operation The module 412 delivers the deposit amount of all the deposits of the session (that is, the total awarded amount calculated by the above formula (1)) to be deposited in the investment management account of the old Wu (step S115). Because Lao Wu did not take out the insurance when the mutual aid type life and death insurance policy expired (step S121), Lao Wu can obtain the life insurance and life insurance payment of 720,000 yuan (steps S123 and S125), which is the mutual aid type of life and death. The principle of claims payment. Thereafter, the contract of the mutual aid type life and death insurance policy is terminated (step S133). Here, it is assumed that Lao Wu has performed key deposits for two years before the bidding period without bidding (step S105). It is assumed that during the two-year period, the bidding amount of the mutual aid platform bidding module 407 is 20 201011675. 1,000 yuan (step S107), that is, Lao Wu paid a premium of 500 yuan in the first 24 periods, and paid a deposit amount of 9,000 yuan (10,000 -1,000) during each session (as in the above formula (3) The personal virtual account of Lao Wu is used for the remaining (step S109). If Lao Wu participated in the target of the mutual aid type life and death risk insurance system 402 at the beginning of the third year (ie, the 25th period), the mutual aid type loan platform bidding module 407 decided that the old Wu won the bid with the standard gold of 1,200 yuan (step S105). The insurance payment operation module 412 settles the old winnings of 662,400 yuan (8,800*48+10,000*24) (as in the above calculation formula (1)) (step S115). The investment management operation chess group 409 provides various investment targets for the selection of Laowu, and the total amount of the gold is invested according to the investment target selected by Laowu (step S117). » Laowu will repay 10,000 in each meeting period after winning the bid. The amount of repayment of the yuan (such as the above formula (3)). There is an unpredictable situation. If Lao Wu died in the third year after purchasing the mutual aid life and death insurance policy (step S127), Xiao Wu (the beneficiary) can make insurance claims to the insurance company.
而保險公司將申請理賠結果藉由保險公司理賠作業系統404通知保 W 險金給付作業模组412，保險金給付作業模組（412)結算老吳之總 得標金經投資後之資產淨值。若這一年投資绩效良好，有10%的報酬 率’保險金給付作業模组（412)結算資產淨值在扣除生死合險理賠 金後之紅利(步驟S129) ’依據互助式生死合險保單之條件，受益人小 吳將可取得投資收益的90%分紅，即取得7,776元 ((662,400*110%-720,000)*90%)之分紅。因此，保險金給付作業棋 21 201011675 組412給付生死合險理賠金720,000元加上紅利7,776元共727,776 元給小吳(步驟S131) ’小吳即可因為老吳當初棄傳統生死合險而選擇 本互助式生死合險而取得超過72萬的保障。之後，终止互助式生死 合險保單之契約(步驟S133)。 另外’若老吳六年的保險期限内皆無出險事故，而在進行投資的 四年中也德定取得10%的年報酬率，則在保單到期時，經保險金給付 • 作業模组412結算老吳之資產淨值與紅利(步驟Si23)，保險金給付作 業模组412需給付老吳生死合險保險給付與紅利共944,838元 (720,00〇+[662,400*(1+10%)Μ-720,000]*90%)。由此可知，本發明 所提供之互助式生死合險確可提供優於傳統生死合險的保障。 雄然本發明已參照較佳實施例及舉例性附圖敘述如上，惟其應不 被視為係限制性者。熟悉本技藝者對其形態及實施例之内容做各種修 改、省略及變化，均不離開本發明之範圍。 22 201011675 【圖式簡單說明】 圖一係本發明之互助式生死合險系統之方塊圖；以及 圖二係本發明之互助式生死合險方法之流程圖。 【主要元件符號說明】 終端機 互助式生死合險系統 電子憑證核發機構 保險公司理賠作業系統 線上保單購買作業模組 互助式存借平台競標模组 投資管理作業模組 保險金給付作業模組 資料庫 401 402 403 404 405 407 409 412 413 23The insurance company will notify the insurance premium payment operation module 412 by the insurance company claims operation system 404, and the insurance payment operation module (412) will settle the net asset value of the old gold after the investment. If the investment performance is good this year, there is a 10% return rate of the 'insurance payment operation module (412) to settle the net asset value after deducting the dividends of the life and death insurance claims (step S129) 'Based on the mutual aid type of life and death insurance policy Under the condition, the beneficiary Xiao Wu will receive a dividend of 90% of the investment income, that is, a dividend of 7,776 yuan ((662,400*110%-720,000)*90%). Therefore, the insurance payment work chess 21 201011675 group 412 pays the life and death insurance claims 720,000 yuan plus the bonus 7,776 yuan total 727,776 yuan to Xiao Wu (step S131) 'Xiao Wu can choose because the old Wu abandoned the traditional life and death insurance This mutual aid type of life and death has achieved more than 720,000 guarantees. Thereafter, the contract of the mutual aid type life and death insurance policy is terminated (step S133). In addition, if there is no accident in the insurance period of Laowu for six years, and Dedan will obtain an annual return of 10% in the four years of investment, the insurance will be paid when the policy expires. Settlement of the net value and bonus of the old Wu (step Si23), the insurance payment operation module 412 needs to pay the old Wu life and death insurance insurance and dividends totaling 944,838 yuan (720,00 〇 + [662,400 * (1 + 10%) Μ -720,000]*90%). It can be seen that the mutual help type of life and death insurance provided by the present invention can provide better protection than the traditional life and death insurance. The present invention has been described above with reference to the preferred embodiments and the accompanying drawings, but should not be considered as limiting. Various modifications, omissions and changes may be made without departing from the scope of the invention. 22 201011675 [Simple description of the drawings] Fig. 1 is a block diagram of the mutual aid type life and death risk insurance system of the present invention; and Fig. 2 is a flow chart of the mutual aid type life and death risk insurance method of the present invention. [Main component symbol description] Terminal machine mutual aid life and death insurance system electronic voucher issuing agency insurance company claims operation system online policy purchase operation module mutual aid deposit platform bidding module investment management operation module insurance gold payment operation module database 401 402 403 404 405 407 409 412 413 23