TWI378393B - - Google Patents

Description

1378393 r 101 years. May 16th revised replacement page VI, invention description: [Technical field of invention] [0001] The present invention relates to a financial e-commerce leader of health and injury insurance 'particularly related to the use of the network Road Technology to create investment-type health and injury insurance with a capital bidding mechanism. C Prior Art] [0002] The purpose of the health and injury insurance provided by the insurance industry is to compensate the insured person for economic losses caused by illness or accident (including medical expenses and interruption of income due to death disability). The loss. The concept of Health Insurance was first proposed by British Hugh the Elder Chamberien in 1694, and it is believed that insurance can be used to compensate the insured person for personal injury. But this concept did not begin until the end of the 19th century due to changes in the social pattern driven by the industrial revolution, and insurance companies began to introduce health insurance products. [0003] However, initial health insurance is limited to Disability Insurance, and the scope of insurance coverage is limited to the loss of economic resources caused by death from disability. Until the middle of the 20th century, the social structure of industrialized countries in Europe and the United States has matured, and the functions and definitions of health insurance have gradually changed. [0004] Health insurance begins to be included in the medical insurance program to provide the Medical Expense Coverage for the insured; while the existing disability insurance extends from the Accident concept and Liability Insurance in Product Insurance (Liability) Insurance) combines to cover the risks posed by the insurer due to personal injury. [0005] 09713904 Production Order No. A0101 To this day, health insurance is no longer just the insurance service provided by life insurance company. Page 3 / 47 pages 1013185120-0 101 May 16th, the green page project, many products Insurance companies also provide health insurance services. Because health insurance is a generalized concept to some extent, some similar or derived types of insurance, including medical insurance, injury insurance, accident insurance and other items, are also classified as insurance. The service contents overlap each other, and there is no clear distinction between 'the definition of the name is defined. This patent application protects the personal injury caused by diseases and accidents, and is named according to the definition of the insurance law of the local country. Therefore, health and injury insurance is used.称〇[0006] Since the subject of health and injury insurance is the risk of accidents caused by personal illness, the development of health and injury insurance is related to the measurement of personal value in an economic society, and therefore its insurance penetration status can be As an indicator of the level of people's lives and the degree of economic development in a country, the insurance industry is highly For example, in the United States Census Bureau, according to the statistics of the United States Census Bureau in 2006, 84% of Americans are insured for health insurance (US health insurance includes both medical and injury insurance), 60% of which are paid by employers. Insured, 9% of the employees purchase insurance themselves, and about 27% of the other are funded by the government (by the fact that some of the insured people may purchase or receive government subsidies at the same time, the total ratio is more than 84%). As for Taiwan's medical injury insurance, the most important source comes from the universal health insurance paid by employers and insured persons. In August 2007, the total number of insured persons reached 22.53 million, and the insurance coverage reached 97% of the total population. Since universal health insurance only provides basic medical benefits, many people also make up for their shortcomings by joining commercial health and injury insurance. According to the Insurance Insurance Development Center (Taiwan Insurance Jnstitute), the total health and injury insurance premiums in 2006 reached 〇97丨39. 〇 4 Production Order No. A〇l01 Page 4 of 47 Page 1013185120-0 On May 16, 2011, the revised replacement page was 2, 21 billion yuan, accounting for 3.76% of the total annual insurance expenses. [007] As health and injury insurance is an important insurance industry, in order to meet the needs of different consumers, the types and differentiation of goods are also quite variable. According to the identity of the insurer, it can be divided into public health and injury insurance (such as the national Health insurance and labor insurance damage payment), commercial health insurance for insurance companies; and government sponsored (employer sponsored) based on the source of premium funds

Empl〇yer Sponsored), Individual Purchased. However, regarding the design of insurance products, the types of health and injury insurance introduced by the insurance industry include the following types of general insurance: [0008] 1. Traditional health and injury insurance: providing the insured during the insurance period (for a certain period of time or for life) Medical and injury protection, and in accordance with the insurance claims clause 'to give a fixed amount or actual amount of insurance benefits. 2. Account-based health and injury insurance: essentially a type of savings-type health and injury insurance. 'Customers pay insurance premiums on a personal insurance savings account on a regular basis, and insurance claims are paid according to the insured's risk status. For the balance, the remaining premiums in the account are refunded according to the contents of the insurance contract. 3. Personal/group health and injury insurance: According to the health insurance that the insured person is an individual or a group (usually the industry or institution), for group insurance, the insurance is often part of the employee benefit plan. . Personal health and injury insurance often combines life insurance with an attached form. [0009] US Patent Publication No. US 4,491,725 "Medical insurance verification 09713904:?.Single number A01〇l and processing system" is disclosed on page 5 of 47 pages 1013185120-0 [0010] [0011] 09713904^ No. A0101 On May 16, 1101, a set of solutions was proposed for the problem of the mistakes caused by the complicated process of applying for and claiming and the waste of time and cost. The medical insurance verification and processing system referred to in the patent case is to store the information required by the insured person in the medical card of the insured person in the host computer, and to read and check the data through the verification (verification). To quickly and accurately calculate the premiums for the purchase of New Zealand, the convenience of the insurance application for the insurance can be checked, and the correctness of the fee collection can be improved, and the claims processing procedure can be accelerated. US Patent Publication No. US 5, G7〇, 452 Computerized _ niedical insurance system including means to automatically update member eligibility files at pre-established intervais discloses a patent filed for the absence of the prior patent (US 4 '491,725). Although the patent application in the preceding paragraph can more effectively process the medical card information of the person (patient), it does not propose how to enter, store, and update the card + information. If there is no specific solution, there will still be a lot of delays in the application cost and cost calculation of medical insurance, as well as the wrong payment # medical claims status, especially when the old information does not match the actual situation, such as the insured person. If he has resigned, he should have the medical insurance benefits of the employment group, but still show that the insured employment group medical insurance or the immediate update of the information will cause many problems. Therefore, the patent case is based on the lack of the aforementioned patent case. Accelerate the accuracy of the insurance application and the fee calculation by linking the database and the person to be renewed. It does not cause the actual payment situation to be inconsistent with the status of the data. The purpose of the above two patents is still to improve the health insurance system by computer system. Page 6 of 47 1013185120-0 M/8393 I 4 May 16, 2011 Revision of the replacement of the hundred W course 'but basically still in the traditional health Insurance premium payment, insurance claims, La T-operation H turn (10) Kang Baoqi model proposed - set of effective lin ideas. In recent years, the introduction of _ household health and injury insurance products can be returned to the guarantor account without the use of major claims, so as to reduce the insurance premiums and reduce the medical waste of the insured, but The purchased health and injury insurance is still a standardized product and cannot meet the demand for customized products in the insurance industry. In addition, the existing traditional health and injury insurance has only the function of loss filling, and it is unable to play the role of expanding the use of the savings, combining the savings savings, and limiting the use of insurance fees. Therefore, the invention of the method and system for investment-type health and injury insurance of the present invention is to integrate the capital bidding mechanism into the traditional health and injury insurance, so that the insurer can operate under the platform, in addition to obtaining personal protection, according to the market. The interest rate changes and their own financial needs, flexible use of the insurance premiums paid. The insurance industry can also expand the insurance fund base by the method of the present invention, not only to meet the needs of customers, but also to expand the scale of insurance business and strengthen the financial quality of insurance. [Invention] [0012] In summary, the present invention proposes a method and system for investing in health and injury insurance to solve the above problems. The object of the invention is as follows: [0013] The framework of the present invention is a capital bidding mechanism for the payment of health and injury insurance, from the existing leveling or tiered payment mode to a change, self-proclaimed interest rate payment. The way 'transforms traditional health and injury insurance into investment health and injury insurance. [〇〇14] 2 The capital bidding mechanism of the framework of the invention's user's bidding standard can be 1013185120-0

^ ί Έ / 47 S 390# single number Α 0101 ’, 1378393 __ 101 years. May 16th, the shuttle is preparing the page to reflect the market interest rate and market fund level. When the market capital demand is active, investment products are booming, interest rates rise; when market capital demand slows down, investment targets are low, interest rates fall; when market interest rates are directly reflected in the fund bidding platform, the investment-type health and injury insurance that customers participate in Products become direct financial wealth management products with information symmetry. [0015] 3. Ensuring the stability of the insurance contract: The stability of the insurance contract is one of the factors that affect the integrity of the insurance company. As the health insurance premiums are adjusted according to the age and health status of the insured, the gradual increase in the rate often hinders the willingness of the insurer to renew the insurance, which causes the insurance company to be greatly troubled. Special _ is a traditional health and injury insurance product. Its standard product design and lack of flexible contract content cannot be close to the market, and it truly reflects the symmetry of information in the Internet era, resulting in the instability of the insurance contract. The information symmetry played by the fund bidding mechanism of the present invention solves these problems in one fell swoop to ensure the stability of the contract. [0016] 4. Creating cash flow: The introduction of the competitive bidding mechanism for investment-type health and injury insurance will increase the cash flow of the insurer and increase the credit ability of the insurer, which will help the investment of funds. _ [0017] 5. Increased willingness to insured: Since current health and injury insurance only provides medical care, accidental payment, and lack of financial management functions, it affects the willingness of some insured persons to participate. Therefore, the introduction of the competitive bidding mechanism for investment-type health and injury insurance can combine financial management and security functions to expand customers' willingness to insure. [0018] 6. Providing better protection for the insured: both health and injury insurance are designed with the principle of loss of filling, especially in the event of a major injury or illness, although the insured (or his beneficiary) can obtain certain Degree Compensation Order No. 1 Page 8 / Total 47 Pages 1013185120-0 1378393 * t The first half of the year is May 16th 'But the insurance contract is often terminated. The invention introduces the capital transaction platform and the capital investment function, so that the insured can not only obtain the insurance compensation, but also enjoy the investment remuneration, and maintain the income after the disability is disabled, which is more helpful for ensuring the insured's subsequent quality of life. beneficial. [0019] To achieve the above object, the present invention provides an investment-type health and injury insurance method for use in an investment-type health and injury insurance system, the method comprising the following steps: [0020] an electronic The voucher enters the investment health and injury insurance system 1. The investment health and injury insurance receiving operation module of the investment type health and injury insurance system obtains and verifies the insured person corresponding to the electronic voucher from an electronic voucher issuing institution One of the basic information, the insured person purchases an investment-type health and injury insurance policy provided by the investment-type health and injury insurance receiving operation module; the insured person enters the investment-type health and injury insurance system and Entering - the amount of the bid to participate in the bidding, the φ a fund bidding module of the f-type health and injury insurance system calculates the average deposit interest rate and the borrowing rate of the bidder based on the bid amount entered, and According to the fund balance module - the fund balance and the bidder's interest rate of the insured person's interest rate to determine the winning bid The amount and the number of people who have won the bid; the investment-based health and injury insurance system - the processing of the gold stream is settled according to the amount of the summary - the total amount of the bonus and the amount of the repayment, and the average borrowing rate of the insured according to the bidder One deposit amount is settled with a deposit deposit, or the highest bid amount of the insured person, or a benchmark interest rate; the gold flow processing module delivers one of the insured persons who have not been awarded the depositor The deposit amount of the virtual account; 09713904#单号A01〇l Page 9 of 47 page 1013185120-0 /»393 ίΐ01 May to protect the people have not been able to do, since the new _ money (4) in the technical health and Whether the insurance policy is in danger before the expiration of the injury insurance policy; if the insured person fails to obtain the insurance before the investment-type health and injury insurance policy (4), the claimant operation module determines the insured Whether it is a serious risk; if the insured is in a serious risk, if the insured is seriously in danger, the gold flow processing module will pay the _ the claim of the investment health and injury insurance policy and the insured person All the deposits for this personal virtual account The current amount of money is given to a beneficiary or the insured person; if the insured does not receive the bid, if the insured is not in serious risk, then the gold flow processing module will pay the investment type of health and injury. The claim amount specified in the contractual terms of the insurance policy is given to the insured; the cash flow processing module delivers the reimbursement amount of the insured person who has obtained the bid. 9 The gold flow processing module delivers the total winning bid The gold is deposited into one of the individual sub-accounts of the insured person who is the subject of the session; the investment management team of the investment-type health and injury insurance system provides various investment targets for the personal sub-account of the insured person. The total awarded standard gold is invested, and the investment target, one investment profit and loss and one net asset value corresponding to the total investment of the standard gold are announced. When the insured person has obtained the bid, the claim operation module judges the investment. Whether the health and injury insurance policy expires; if the insured person has obtained the bid, if the investment health and injury insurance policy expires, the gold flow processing module pays the insured person to pay the bill— Total amount of premium and one settlement To the proposer, the settlement system to balance the individual sub-account by the proposer of the assets of the gold standard gotta investment 0,971,390 Net # 1 on 1〇 delete a single number / Total 47 1013185120-0 1378393

The value is deducted from the total repayment amount of one of the remaining sessions; If the insurance company has obtained the standard, 'If the health insurance and injury insurance policy has not expired', the claim operation module determines whether the insured is in danger. 9 When the insured person has obtained the bid, If the person is in danger, the claim operation module determines whether the insured is seriously in danger; when the insured has obtained the bid, if the insured is seriously insured, the gold flow processing module pays the investment type. The claim of the health and injury insurance policy and the balance of the settlement to the beneficiary or the insured balance is the net of the net worth of the total amount of the investment of the insured person's sub-account. One of the total repayment amount of the session; and when the insured person has obtained the bid, if the insured is not seriously insured, the gold flow processing module will pay the contractual terms of the investment health and injury insurance policy. The portion of the claim is paid to the insured. [0021] The present invention provides an investment type Jiankangkang and injury insurance system, comprising: an investment type health and injury insurance receiving operation module, according to - one of the insurance applicants electronic voucher from the investment type of health and injury insurance An electronic voucher issuing institution outside the system obtains one of the basic information of the insured and reviews the basic information to provide an investment-type health and injury insurance policy for the insured to choose to purchase; The bidder enters a bid amount to calculate an average deposit interest rate and a borrowing rate, according to the fund balance of the fund bidding module and the borrowing interest rate to determine a winning amount and the number of bidders; Modules, which are used to provide various investment targets for the insured person. 9713904, order number A0101, page 11 / page 47, 1013185120-0 - personal n W year, revised on May 16th - total investment in gold, And announced the corresponding. , the sub-account of 5 Hai total of the standard invested in the investment - the investment of an investment profit and loss and a net asset value; The operation group is used to determine whether the investment type of health and injury insurance, whether it expires early or not, and whether the insured is out of danger or risk, and the gold and one gold flow processing level, based on the winning amount Set the total bid j: also 5^ amount, and settle according to the average borrowing rate and a deposit amount, or the highest bid amount, or the benchmark interest rate - the deposit amount, the total amount of the system to be deposited into the individual sub-account, The deposit face that has been deposited in the personal virtual account, and the amount of the deposit or the amount of the deposit in the amount of the payment of the amount of the deposit in each of the personal accounts. The total amount and the settlement balance, or the claims and the miscellaneous side, or part of the claim to the insured or a beneficiary, the settlement balance is the total amount of the investment in the individual sub-account The net value is deducted from the remaining period – the total repayment amount. [0022] According to the conception of the present invention, an investment-type health and injury insurance system is provided, which includes: an investment-type health and injury insurance receiving operation module for using an electronic voucher from one of the insured persons from the investment type of health And an electronic voucher issuing agency outside the injury insurance system obtains one of the basic information of the insured, _ and reviews the basic information, and provides an investment-type health and injury insurance policy for the insured to choose to purchase; The bidding module is used to input a bid amount by the insured person to calculate an average deposit interest rate and a borrowing interest rate, according to the fund bidding model 09713904# single number A0101 page 12 / total 47 pages 1013185120-0 | 101 years .05月16曰Revised the balance of the Bejin balance of the #·^ group and the interest rate of the loan to determine the amount of the winning bid and the number of bidders; an investment management module to provide various investment targets for the insurer - the individual sub-account - always have to invest in the standard gold, and announce the investment target, investment profit and loss - net asset value of the total amount of the corresponding sub-accounts; - Claims Module 'to determine whether the investment-oriented health and personal accident insurance

[0023] Whether the policy expires, and the ride-insurer's performance and risk level: and the gold flow processing module, which is used to settle the total awarded amount and the repayment amount according to the winning amount, and according to the average borrowing Material and deposit deposit, or the highest bid amount, or the benchmark interest rate to settle the _ deposit amount, the delivery of the total amount of the deposit to deposit the personal sub-account, the deposited person - the personal virtual account of the withdrawal amount, and in each _ The amount of the repayments paid during the meeting period's payment-claims and all the deposit amount of the personal virtual account, or the total amount of the premiums and the __ settlement side, or the claim and the settlement balance 'Or the claim to the insured or a beneficiary' The settlement balance is the net value of the total amount of the investment in the individual sub-account, net of the remaining period - the total repayment amount. More preferably, the system is further included. — u α 匕. The investment type health and injury insurance receiving operation module is used to collect the insurance from the 兮厶4 + field " The premium paid by the person is issued to the insured person who knows one of the insured health and injury insurance policies; w ^ . , and a database for receiving and receiving the investment-type health and injury insurance | swearing operation module accessing the basic information of the insured person and the information of the investment-type health and injury insurance policy The fund page 13 / 09713904 ^ ^ ^ Α〇 101 1013185120-0 1378393 | ϊ〇 1 year. May 16 revised the page Jin Jing ^ group access to the bid amount, the average deposit interest rate, the borrowing rate - Xuan The balance of funds, the amount of the winning bid and the number of bidders are accessed by the technology module, and the investment profit and loss of the investment target and the net value of the asset are accessed by the claim operation module. The information of the slavish health and injury insurance policy and the amount of the winning amount obtained by the golden muscle processing board group, the total winning amount, the average borrowing rate, the deposit amount, the repayment amount, the The highest bid amount of the benchmark interest rate, the deposit amount, the settlement balance, the balance of the personal sub-account and the personal virtual account information. _] Better's where the underwriting policy for the electronic policy contains - to fill in the inside of the book, or not; ^ whole and true, the qualification of the insured, the relationship between the insured and the insured, The qualification of the insured, whether the insured agrees in writing to the insurance contract, the autonomous interest rate life and death insurance policy in which the insured person participates - the bidding transaction portfolio - the general meeting, the actual insured The ratio between the economic demand and the insured amount and the personal conditions, employment status, and annual income of the insured person will enable them to pay premiums in a sustained and stable manner for a long time. φ m 其 其 其 其 投 投 四 四 四 四 四 四 四 四 四 四 四 四 ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( ( More specifically, the electronic voucher issuing institution receives the information of the investment-type health and injury insurance policy of an insurance company, and after the encryption, digital signature, and deposit, the electronic voucher issuing institution inputs the investment type The health and injury insurance policy is transmitted to the insurance company, which in turn transmits it to the insured. 09713904#单号A0101 Page 14/Ugly 47 pages μ 1013185120-0 1378393 May 16, 2011 Revision Replacement Page [0027] More preferably, the claim operation module receives the investment type health and injury insurance system The result of the claim application transmitted by one of the external insurance company claims operation system, the result of the claim application is when the insured person is out of danger, an insurance company receives the claim application, determines the insurance accident, and judges whether the claim is in compliance with the claim standard. More preferably, wherein the investment-type health and injury insurance policy comprises a bidding transaction portfolio, the bidding transaction portfolio includes a bidding period, a bidding period, and a general meeting. [0029] More preferably, the card includes the financial product of at least one of a mutual fund, a marketable securities, and a derivative financial product. [0030] More preferably, the fund bidding module performs the following steps: calculating the amount of the unguaranteed depositor of the insured at the time of the bid opening, minus the total amount of the bidder who has won the bid at the point in time. The standard fund is stored in the database of one of the investment-type health and injury insurance systems; the balance of the fund at the time of the previous opening of the bid plus the balance of the fund at the time of the opening of the bid is less than or equal to zero. And storing the calculated fund balance in the database; one of the bidding transaction amount of the insured person according to the bid and one of the bidding transaction portfolios of the investment type health and injury insurance policy read from the database The payment is used to calculate the interest rate of the borrowing' and the interest rate of the borrower of all the bidders is sorted, and the borrowing rate is stored in the database; and the fund balance and bid are read from the database. The amount of the borrowing interest rate of the insured person is determined to determine the winning amount and the number of successful bidders, and the winning amount and the number of winning bidders are stored in the database. 〇97139〇4Bill No. A0101 Page 15/47 Pages 1013185120-0 1378393 _]More preferably, the investment management module deposit amount and the winners will not be awarded The amount of the repayment amount to be guaranteed by the insurer shall be converted into the total amount of the converted capital into the part of the investment::^, and the total awarded amount shall be invested and managed. .

[0032J

[0033] In the case where the settlement balance settled by the gold flow processing module is wide, the total amount of the premium paid or the portion of the balance of the settlement balance is offset.

More preferably, 'When the insured person chooses to insure the investment in the investment-based health and injury insurance system, the health insurance and the insurance policy will be combined with the injury. The validity period of the project part is the same or different. If you are a sister, if the effective period of the part of the item is different from the effective period of the injury item, the longer of the two is the basis of the final effective period of the whole insurance and the decision is made. To ensure that people participate in the bidding period of one of the investment-type health and injury insurance systems. [0035] More preferably, 'When the insured obtains part of the claim for non-severe risk insurance', when the investment health and injury insurance policy expires, the gold flow processing module depends on the investment type of health and injury The refund standard set by the insurance policy refunds part of the total amount of the premium paid to the insured. [0036] More preferably, in the case that the insured person is in danger, after the manager compensation application is approved, the payment method of the gold flow processing module according to the content of the investment type of health and injury insurance includes: If the investment-type health and injury insurance policy is a health insurance policy, the claim is a health item 09713904^单号第16页/47 pages 1013185120-0 1378393 [101 May 16 Sunrise Insurance Claims; The investment-type health and injury insurance policy is the injury item insurance, and the claim is the claim for the injury item; and if the investment-type health insurance and injury insurance policy is the health and injury comprehensive item insurance', the claim is health The claim for the project's insurance claims and the damages for the injury project are at least one. [0037] More preferably, wherein the insured person's serious risk is a risk of death or total disability, and the insured is a non-severe risk refers to a non-death and non-disabled risk. [Embodiment] [038] The following is a detailed description of the embodiments of the present invention, and the preferred embodiments are illustrated as follows: [0039] Figure 1 is a block diagram of the investment-type health and injury insurance system of the present invention. . In Figure 1, 'Investment Health and Injury Insurance System 4〇2 is one of the external terminals of the investment-type health and injury insurance system 402 used by the insurer by means of network, wired and wireless communication. , mobile phones, pDA and other devices) to communicate, and to ensure that people do an instant secure message exchange. The insured person purchases the investment-type health and injury insurance policy, the investment-type health and injury insurance system 402, and the investment-type health and injury insurance system from the terminal 401 to the investment-type health and injury insurance system 4〇2. 402 is informed of the results of the bid and the payment. [040] Hereinafter, the investment-type health and injury insurance system 4〇2 includes a one-of-a-kind health and injury insurance receiving operation module 405, a fund bidding module 407, an investment management module 408, and a The operation of each module such as the claims operation module 4〇9, a gold stream processing module 410, and a database 411. 09713904#单号A0101第17页/47 pages 1013185120-0 1378393 [0042] [0043] On May 16, 1101, the shuttle-injection-investment-type health and injury insurance receiving operation module 405 is based on the insured person. One of the electronic voucher obtains one of the basic information of the insured from one of the electronic voucher issuing agencies 403 outside the investment-type health and injury insurance system 402, and reviews the basic information of the insured, the investment-type health and injury insurance receiving operation module 405 provides an investment-type health and injury insurance policy for the insured to choose to purchase. The investment-type health and injury insurance policy includes a bidding transaction portfolio, and the bidding transaction portfolio includes a bidding period, a bidding period, and a general meeting. When the insured person chooses the comprehensive project insurance for the investment-type health and injury insurance policy in the investment-type health and injury insurance receiving operation module 4〇5, the effective period of the health project part and the effective period of the injury item part may be Same or different. When the effective period of the health project component is different from the effective period of the injury project component, the longer of the effective period of the two is used as the benchmark for the final effective period of the entire insurance and it is decided to participate in the investment health and The injury insurance system 4〇2 during the bidding period. After the gold flow processing module 410 receives the premium paid by the insured person, the investment type health and injury insurance receiving operation module 4〇5 issues an electronic policy of the investment type health and injury insurance policy to the insured. Among them, the underwriting of the electronic policy includes the content of the one to be completed and the truth is true, the qualification to protect the investment in health and injury insurance policy, the relationship between the insured and the insured, and the insured Qualification of insurance, whether the insured agrees in writing with the insurance contract, the investment-type health of the insured person and the total amount of the bidding U combination of the insurance policy, the ratio between the actual economic needs of the insured and the insured amount' As well as the personal conditions, the employment situation, and the annual income of the person to be insured, Wei made it long-term 3904. The number of the order number is fine. 1 Page 18/47 pages 1013185120-0 1378393 101. May 16 Correctly paying Premium. [0044] The electronic voucher issuing institution 403 receives the information of the investment type health and injury insurance policy transmitted by the insurance company, and after the encryption, the digital signature, and the deposit certificate, the electronic voucher issuing institution 403 transmits the investment type health and injury insurance policy. To the insurance company, and the insurance company will transfer it to the insured. [0045] To ensure that the bidder inputs a bid amount to the investment type health and injury insurance system 402, the fund bidding module 407 compares the average deposit interest rate with a borrowing rate according to all the bid amounts input, and The fund bidding module 407 determines the amount of the winning bid and the number of bidders in the balance of the funds and the borrowing interest rate of the previous period. The fund bidding module 407 transmits the bid opening result to the insured person via the terminal unit 4〇1. The fund bidding module 407 stores the foregoing data into the database 411. [0046] The investment management module 408 provides various investment targets for the investment of one of the individual sub-accounts of the insured person, and the terminal 4 is invested. 〇1 announces one of the investment targets, one investment loss φ benefit and one net asset value of the investment in the total amount of the individual sub-account to the insured. Among them, the investment target includes financial products of at least one of a common fund, a marketable securities and a derivative financial product. [0047] The claim operation module 40 9 determines whether the investment type health and injury insurance policy is due, and determines whether the insured person is in danger or risk. The claim operation mode group 409 receives the result of the claim application transmitted by the insurance company claim operation system 4〇4 of the investment type health and injury insurance system 4〇2, and the claim result is when the insured person is out of danger, The insurance company receives the claim application, determines the insurance accident, and determines whether it meets the claim standard. [0048] The gold stream processing module 410 settles the total amount of gold and a repayment amount according to the winning amount of money 09713904#单号Α〇101 page 19/47 pages 1013185120-0 1378393 101 years old after the 16th of the year 'According to the average borrowing rate and - deposit deposit, amount ^ or the highest bid amount, or the benchmark interest rate to settle a deposit amount, the gold flow processing module 41 〇 delivery of the total amount of funds to deposit personal sub-accounts, delivery has been The deposit amount of the depositor's personal virtual account, and (4) the amount of the repayment amount paid in each session, the cash flow processing module 410 pays a claim and the amount of all the deliberate amount of the personal virtual account. (4) (4) Amount and settlement balance, or payment of silk and cash, or payment of part of the claim to the insured or beneficiary. Among them, the settlement balance is “the total amount of the investment in the human account, the net value of the capital account minus the balance of the remaining repayment period _ total repayment amount”, if the settlement balance settled by the gold flow processing module 41G is negative , the portion of the balance of the settlement balance is offset by the general manager's claim (4). [0049] The gold flow processing module 410 will not be awarded the deposit amount of the insured person and the obtained standard The amount of repayment of the insurer is converted into a part of the total amount of the insured's winning bid for the session. [_Gold Stream Processing Module 410 receives the copy of the Health and Injury Insurance System 4〇2 External - The claim result of the insurance company's claim operation system 4〇4's claim (4) is when the insured is out of danger, the insurance company receives the claim application, and the insurance accident is identified and judges whether it meets the claim standard. When the insurer is in danger, after the insurance company claims compensation system 4Q4 claims approval approval, the gold flow processing module 41 pays according to the contents stated in the investment health and injury insurance policy as follows: (1) If Investment health And the injury insurance policy for the health insurance, the claim is the claim for the health project; 09713904#单号A0101 Page 20 of 47 1013185120-0 1378393 May 16th, 2011 () Right k-type health and injury The insurance policy is the injury item insurance, the claim is the damage claim for the injury item; and the () right investment type health and injury insurance policy is the health and injury comprehensive item insurance, then the claim is for the health project insurance claim and injury project risk insurance The claim is at least -. The insured person is a serious accident that refers to the death or total disability, and the non-severe risk refers to the non-death and non-disabled risk. [_When the sinister is When part of the claim is not paid seriously, when the investment health and injury insurance policy expires, the gold flow processing module 41 refunds the total amount of the premium paid according to the refund standard set by the investment health and injury insurance policy. The amount is given to the insured. The library 411 is used to access the basic information of the insured and the insurance and injury insurance policy by the investment type health and injury insurance receiving operation module 405. The information, the fund bidding module 407 accesses the bid amount, the average deposit interest rate, the borrowing rate, the fund balance, the bid amount and the number of bidders. • The investment management module 408 accesses the investment target, investment profit and loss and net asset value. The information 'Access to the insured's insurance information, investment-type health and injury insurance policy information, and the gold flow processing module 410 to obtain the target amount, total bid, average borrowing rate, deposit Information on the amount of funds, repayment amount, maximum bid amount, benchmark interest rate, deposit amount, claims, settlement balance, personal sub-account and personal virtual account [0055] The autonomy interest rate deposit method with direct financial characteristics is mainly constructed in funds. The concept of balance balance, by the investment-type health and injury insurance system 4〇2 09713904#单号A〇101 Page 21/47 pages 1013185120-0 101 May 16 revised the private page 1738393 funds bidding model Group 407 calculates the corresponding borrowing rate according to the bid amount of each bidder (ie, the insured person), and according to the fund balance and the interest rate of the borrowing. The number of people who can obtain the target at each time point (ie, the time of opening the bid), the total amount of the winning bids for each successful bidder (also the insured person), and the unsuccessful bidder (here the depositor, also the insured person) The amount that should be deposited. The execution steps are as follows: [0056] Step 1: The winning bidder is zero, and the fund bidding module 407 calculates the balance of funds at the current time point. The fund bidding module 407 calculates the fund balance by subtracting the total amount of the deposit from all unsuccessful bidders at that point in time. In this step, only the total deposit amount of all depositors needs to be calculated, and the amount of deposit required by the bidder is not obtained. From the order of interest payment, there are two calculation formulas: interest payment: U-IXn......(1); interest payment: U...(2); where U is the bidding limit of one of the bidders; IXn It is the deposit deposit of the depositor calculated based on the benchmark village rate of the nth period. [0057] In addition, the total amount of the winning bidder (borrower), from the interest payment, has the following two calculations: Interest paid first: (3) 1013185120-0 4 = (U-In) x (Nn ) + Ux(nl) Page 22 of 47 Page 1738393

X

[~101.年.05月16日嵌ΐϊ^^ (#-啦 C/x〇卜 + (4)

An is the total winning bid for the successful bidder in the first period; the ϋ is the upper limit of bidding; the Ν is the number of bidding periods; the π is the current period, and nSN;

In is the winning amount of the winner in the nth period;

Ii is the amount of deposits made by depositors in the i-th period, and i<n. [0058] The interest mentioned above is paid first, which means that at the time of borrowing, the principal obtained has been deducted from the interest payable in the future, similar to the practice of zero-coupon bonds; the post-interest payment means that it can be obtained at the time of borrowing. The full principal is paid for in the future when it is repaid, similar to the general loan or mortgage. [0059] Step 2: The fund bidding module 407 determines the balance of funds at the previous time point X + this time point > whether the gold balance (ie, the fund water level) is less than or equal to zero. If the balance of funds X at the previous time point plus the balance of funds at this time point is less than or equal to zero (ie B〇+ Xg〇), the fund bidding module 4〇7 judges that the time point is not to open the bid; on the contrary, if the funds bid Group 4〇7 determines that the fund balance is greater than zero, then proceeds to step 3. [0060] When constructing an autonomous interest rate deposit mechanism that is close to direct finance, the fund balance in the fund bidding module 407 should be equal to zero. However, the probability that the fund balance in the fund bidding module 407 is exactly equal to zero is Very small. If the fund balance in the fund bidding module 407 is greater than zero, for the operation 〇_#单号A〇101 Page 23/47 pages 1013185120-0 1378393 May 16th, the financial institution that is replacing the page method In other words, the plasticity of the fund balance becomes the borrowing amount of the financial institution, which will result in the expenditure cost of the financial institution; if the fund balance of the fund bidding module 4〇7_ is less than zero, for the financial institution operating the method The type of the fund balance becomes the lending amount of the financial institution, and can earn a small handling fee, thus changing the indirect financial operation mode in which the traditional financial institution earns the deposit spread. Here, the autonomous interest rate lending method assumes that the fund balance in the fund bidding module 407 needs to be less than or equal to zero as a condition for judging whether or not to open the bid. T〇〇61] Step 3: Sort the borrowing rates. If the fund balance calculated by the fund bidding module 407 in step 2 is greater than zero, the fund bidding module 407 calculates the corresponding borrowing rate for the bid amount of the bidder with the subscript, and sorts the loan interest rate. The fund bidding module 407 uses the concept of the financial internal rate of return (IRR), in the calculation of the borrowing rate r of any bidder in the nth period (n is at the time of calculation) The following formula (5) calculates the average deposit interest rate r ' of the previous period of the bidder and then uses the following formula (6) to calculate the borrowing rate R of the bid when the bid is successfully obtained. The calculation is as follows: Reference «-i ......(5); ^ (ί/-/.) X (i +r)N': =Ux (n-l) I=i

1013185120-0 nI Nn Σ(υ<>{^Τί+Συ^ i=J j=l -(6); where U is the upper limit of bidding; 〇97l39〇4 sounds, single number A0101, page 24/ A total of 47 pages 1387393 - 101 years. On May 16th, the shuttle replacement page N is the number of bidding periods; η is a current period, and;

Ii is the amount of deposits made by depositors in the first period, and i<n; r is the average deposit interest rate of depositors in period 1~i; R is the interest rate of borrowing;

An is the total amount of the winning bidder who wins the bid in the nth period. The calculation method refers to the calculation formulas (3) and (4). [0062] After calculating the loan profit rate of all bidders at this time point, the fund bidding module 407 then sorts the borrowing rates corresponding to all bidders from high to low. [0063] Step 4: The fund bidding module 407 finds the maximum number of winners who make the fund balance approach zero. This step uses, for example, the concept of trial and error to find out when the number of winners is the same, so that the fund bidding module 407 balances the fund balance at the current time point plus the balance of the previous time point is less than or equal to zero, that is, finds available The minimum number of bidders: # Min[η | see +XSO]......(7);

Bn is the balance of funds when the number of people who win the bid at this time point; X is the balance of funds at the previous point in time. [0064] Step 5: settlement of the winner. For the successful bidder (the borrower), the gold flow processing module 410 settles the total winning bid of the winner in the event that the bidder wins the bid at that point in time. The gold flow processing module 410 has the following two calculation formulas according to the order of interest payment: Interest payment: 09诵4 production order number A〇101 page 25/47 pages 1013185120-0 1378393 Correction dated May 16, 2011 For no page (8) 4 = (U-IJx (Nn) + Ux (η-1) interest payment:

An=Ux{N-n) + Ux(ji-\)^Ii where,

An is the total winning bid for the winner in the first period; U is the upper limit of bidding; N is the number of bidding periods; η is the current period, and nSN;

In is the winning amount of the winner in the nth period;

Ii is the amount of deposits made by depositors in the i-th period, and i<n. [0065] The above-mentioned winning bidder needs to repay the amount in the later period, and the repayment amount is calculated as follows: interest first payment: U...(10); interest payment: U+In...(11); , U is a bid limit;

In is the amount of the bidder's bid in the nth period. [0066] Step 6: Unsuccessful settlement of the user. When the fund bidding module 407 determines that the number of bidders at this time point is η(η = 1...I), the gold stream processing module 410 settles the average borrowing rate when the number of bidders is η at this time point, and then calculates the non-winning bid. The deposit amount of the person (ie the depositor) I An. Gold Flow Processing Module 410 09713904#单号A〇101 Page 26 of 47 Page 1013185120-0 1378393 --- 101 years. May 16th Nuclear replacement page settlement depositor's deposit amount I An is based on interest There are two ways to calculate the payment: Interest paid first: + ...... (12); After interest payment: i7x (l + i?J¥W + Z4„... (13); where, • U is The upper limit of bidding; N is the number of bidding periods; η is the current period, and nSN; IAn is the deposit amount of the depositor calculated based on the average borrowing rate of the nth period,

Ra is an average borrowing rate. [0067] If the bidder wins the bid at the time, the gold stream processing module 410 calculates the deposit amount IAn based on the average borrowing rate. The amount of deposits required by the unsuccessful bidder is based on the interest payment. The following two calculation formulas are also used: Interest payment: U-IAn......(14); . After interest payment: U...(15); U is the upper limit of bidding; IAn is the deposit amount of the depositor calculated based on the average borrowing rate of the nth period. [0068] If the time point is that no bidder wins the bid, but the bidder has the subscript (because the 3904# single number leg 01 page 27/47 page 1013185120-0 1378393 __ 101 year OS month 16 correction The page labeling requires deposits.] The settlement of the deposit amount of the bidder by the gold stream processing module 410 is based on the following two calculation formulas: interest payment: U-lHn ·.....(16) After interest payment: U ......(17); Where, U is the upper limit of bidding; IHn is the highest bid amount of the bidder's unsuccessful nth period. [0069] In the case of unsuccessful bidders, if the bidder does not bid for the first period, and the bidder does not subscript the 'gold stream processing module 41', the calculation of the deposit amount of the bidder _ from the interest payment There are two calculations: interest payment first: U-1 Χ η (18); interest payment: U ...... (19); where U is the upper limit of bidding; ΙΧη is the deposit amount of the depositor calculated based on the benchmark interest rate of the nth period. 2 is a flow chart of the investment type health and injury insurance method of the present invention. While describing the flow of the diagram, please refer to the components of Figure 1. [0071] First, the insured person enters the investment type health and injury insurance system 402 with an electronic voucher via the terminal 401. The investment type health and injury insurance receiving operation module 405 of the investment type health and injury insurance system 402 obtains and reviews the basic information of the insured person corresponding to the electronic certificate from the electronic certificate issuing authority 403. The investment type health and injury insurance receiving operation module 405 provides various forms of investment-type health and injury insurance policies for the insured to purchase (step S101). Investment Health and Injury Insurance Receiving Module 09713904Ρ号 Α0101 Page 28 of 47 1013185120-0 1378393

I. On May 16, 101, I revised the basic information, investment-type health and injury insurance policy, etc. of the insured person in the database 411. The investment health and injury insurance policy includes a bidding transaction portfolio, and the bidding transaction portfolio includes a bidding period, a bidding period, and a general meeting amount. _ When the insured person chooses the comprehensive project insurance for the investment-type health and injury insurance policy in the investment-type health and injury insurance receiving operation module 4〇5, the effective period of the health item part and the effective period of the injury item part may be Same or different. When the effective period of the health project is different from the effective period of the injury project, the longer of the two is the base of the final effective period of the insurance and the decision is made to participate in the investment model. During the bidding period of the Health and Injury Insurance System 402. Among them, the electronic voucher to be insured is applied to the electronic voucher issuing institution 4〇3, and after the insurer provides the basic information to the electronic voucher issuing institution 4〇3 and is audited, the electronic voucher issuing institution 403 gives the electronic to the insured certificate. [0073] The gold flow processing module 41 0 collects the premium of the investment type health and injury insurance policy paid by the insured, and the investment type health and injury insurance receiving operation module 405 issues the investment type health and injury insurance. An electronic policy of one of the policies is given to the insured (step S103). The electronic insurance policy of the electronic insurance policy is as described above. [0074] The information of the investment-type health and injury insurance policy is transmitted by the insurance company to the electronic certificate issuing authority 403 for encryption, digital signature, and verification, and is issued by the electronic certificate. Institution 403 transmits the investment-type health and injury insurance policy to the insurance company, which in turn transmits it to the insured. [0〇75] Among them, the investment-type health and injury insurance policy requires the payment of the fee 〇9?13904, the production order number A0101, page 29/47 pages, 1013185120-0, 1 May, 16th, the shuttle includes the premium during the insurance period. And the amount of the deposit or repayment amount of the investment-type health and injury insurance system 4〇2 during the bidding period. [_] i wants the insurer to enter the investment health and injury insurance system 402 via the terminal 4Q1 and enter a bid amount to participate in the bidding. The fund bidding module calculates the policy of the above-mentioned autonomous interest rate deposit method according to the description of step 3 of the above-mentioned autonomous interest rate deposit method according to the bid amount input. In steps 1 to 4, 'the fund balance according to the fund delivery standard module 407 and the borrowing interest rate of the bidder who has the bid are determined; t-the amount of the bid and the number of bidders (step 105). The fund bidding module 407 stores the data in the database 411 [0077] a.

[0078] In the fifth step of the above-mentioned autonomous (four) lending method, the gold flow processing mode =0 is settled according to the winning amount, and the total winning bidder of the insured person who has obtained the standard during the session has obtained the repayment of the insured person. The amount, in the sixth step of the above-mentioned autonomous interest rate deposit and withdrawal method, is determined by the gold flow processing module 410 according to the average borrowing rate of the person who won the bid during the session and the unsuccessful insured person - the deposit standard The maximum bid amount of the insured person, or the benchmark interest rate, shall be marked as the insured person's deposit-deposit amount (step S1G7). The gold stream processing, and 410 stores the data in the database 411. ^ 'The deposit amount of the unguaranteed person who has not been awarded by the fund-raising team 41 has been part of the total amount of the required amount of the insured person during the session, and will be: the repayment of the insured person The amount is converted into a part of the insured person's knowledge of the standard. Then, 'the cash flow processing rib 41G delivers the deposit amount of the virtual account (step S109). When the insurer fails to obtain the 30th/47 pages 1013185120-0 1378393 | 101, May 16 & ^^1, the claim operation module 409 determines the insured's investment in health and injury insurance. Whether the insurance is in danger before the policy expires (step S111). If the insured is not in danger, proceed to step S105; if the insured is in danger, the claim operating module 409 determines whether the insured is in serious risk (step S113). [0079] If the insured is seriously in danger, the cash flow processing module 41 pays the present value of the deposit amount of the claim and the personal virtual account of the insured person to the benefitor or the insured (step S115). . If the insured is not serious, the sheet metal processing module 410 pays part of the claim amount of the investment health and injury insurance contract clause to the insured (step ?ι?), and then proceeds to step S105. » [〇〇8〇] When an insurance company receives an application for a claim, it will determine the insured's insurance accident and determine whether it meets the claim criteria for serious insurance. The insurance company will use the insurance company's claims operating system 4〇4 The claim application result is transmitted to the investment health and injury insurance system 4〇2 claims operation module 409 » [0081] When the insured person is in danger, the insurance company claims compensation system 4〇4 claims application approval approval The flow processing module 410 is based on the method of the investment in the Health and Injury Insurance Policy, which is as follows: (1) If the investment-type health and injury insurance policy is a health insurance, the claim is a health item. (2) If the investment-type health and injury insurance policy is injury insurance, the claim is the compensation for the injury project; and (3) if the investment is healthy Health and injury insurance policy for health and injury comprehensive project insurance, then claims are for health project insurance claims and damages 1013185120-0 097 Li 4 production order number deletion 1 page 3 / 47 pages 1373393 At least one of them. Ί01年05 [0082] [00886] [0086] The insured is a serious accident that refers to the death or total disability, and the insured is a non-serious risk, refers to non-death and non-death The situation of total disability. Next, the gold stream processing module 41 delivers the total amount of the deposit to deposit the personal sub-account of the insured person who is entitled to the meeting (step SU9). The investment management module 408 provides a variety of investment targets for the total amount of the individual sub-accounts of the insured person to enter the investment, and through the terminal 4 (π announces the investment in the total amount of the investment - investment target, - investment profit and loss and _ assets The net value is given to the insured, and the investment management module 408 stores the data in the database 411 (step S121). Then, the golden stream processing module 41 delivers the repayment amount of the insured person who has obtained the bid (step S123). Among them, the investment target includes financial products of at least _ mutual funds, securities and derivative financial products. In the case of the insurer has been obtained, (4) whether the operation of the investment-type health and injury insurance policy expires (steps) S125). When the investment-type health and injury insurance policy expires, the insurance company informs the claim operation module 4〇9 by the insurance company claims operation system 404. If the insurance person has obtained the standard, if the investment type health and injury When the insurance policy expires, the gold flow processing module 41 pays the total amount of one premium paid by the insured and a settlement balance to the insured person, and the settlement balance is a person's account of the insured person. The net asset value of the total amount of the capital is deducted from the balance of the total repayment amount of one of the remaining sessions (step S127). If the settlement balance settled by the gold flow processing module 41〇 is negative, then the deposit is paid by the insured. The total amount of premiums is offset against the negative balance of the settlement balance. When the insured has expired before the expiration of the investment-type health and injury insurance policy, the number is A99101. Page 32/47 pages 1013185120-0 1378393 [0087 ] • After the replacement of the page on May 16th and May 16th, the partial processing of the claim is not serious. When the investment health and injury insurance policy expires, the gold flow processing module “. According to the investment health and injury insurance policy The refunded standard refunds part of the total amount of the premium paid to the insured. When the insured person has obtained the bid, if the investment-type health and injury insurance policy has not expired, the claim operation module 409 determines that the insurance is insured. If the insured is not in danger, step si25 is performed; if the insured is in danger, the claim operation module 4〇9 determines whether the insured is seriously in danger (step S131). ] Insurance When receiving the application for the insurance claim, the company will determine the insured's insurance accident and determine whether it meets the claim standard for serious insurance. The insurance company will transfer the claim application result to the investment health through the insurance company's claim operation system 4〇4. And the injury insurance system 4〇2 claims operation module 409 » [0089] • When the insured person has obtained the bid, 'If the insured is seriously in danger, the gold flow processing module 410 will pay the investment type health and injury insurance policy. The claim balance and the settlement balance are given to the beneficiary or the insured person, and the settlement balance is the net asset value of the total amount of the invested capital of the personal sub-account of the insured, minus the balance of the total repayment amount of the remaining session (step S133) . If the settlement balance settled by the gold stream processing module 41〇 is negative, the portion of the settlement balance is offset by the claims. [0090] If the insured is not in serious risk, the gold flow processing module 41 pays part of the claim amount of the contractual terms of the investment type health and injury insurance policy to the insured (step S135). 09713904#单号A0101第33页/47 pages 1013185120-0 1378393 [0091] On May 16th, 2011, Junzheng is the best for all deposits of the claimant and personal virtual account.値, or receiving the total amount of the premium paid and the settlement balance, or receiving the claim and settlement balance, the contract of terminating the investment-type health and injury insurance policy (step S137) β [0〇92] An embodiment is described below, Referring to Figures 1 and 2, an embodiment of a method and system for investment-type health and injury insurance of the present invention will be described. [0093] In order to strengthen the protection of self-health and injury, Li Jun then purchases an investment-type health and injury insurance policy from the investment-type health and injury insurance system via the terminal 401 (step S101). After paying the premium, Li Jun receives an electronic policy for the investment-type health and injury insurance policy issued by the investment-type health and injury insurance receiving operation module 4〇5 (step S1 03). The investment-type health and injury insurance policy includes a bidding transaction group 8 having a bidding period, a bidding period, and a general meeting. [0094] Li Jun insured an investment-type health and injury insurance for himself, policy conditions such as [0095] Investment-type health and injury insurance policy conditions Lu insurance type: five-year health project insurance 'and three-year injury project insurance coverage · 'Health project insurance coverage of 1 million yuan' injury project insurance coverage of 2 million yuan to protect people: Li Wei insured: Li Wei _ 〇 net order number A 〇 m page 34 / a total of 47 pages 1013185120 -0 1378393 101 years. May 16th, the shuttle is replacing the page. • Payment period: payable once at the beginning of the period • Premiums payable: health insurance premiums of 6,810 yuan, injury insurance premiums of 1,731 yuan, bidding mechanism conditions • bidding period: Four years, once a month, forty-nine periods • Bidding limit: NT$10,000 per base • Baseline: One-year floating rate adjustment with postal savings (currently 2. 48%) • Others: 1. The insurance company arbitrarily chooses to operate in the investment commodities provided by the company. 2. If the accident is a serious damage, the balance of the individual sub-account of the platform delivery account can be paid in advance; the severity of the damage is determined by the qualified doctor. Agency finds it.

[0096] Under this condition, if Li Jun does not participate in the bidding for the investment-type health and injury insurance system 402 in the past four years (step S105), then Li Jun will follow the announcement of the fund bidding mechanism during each session. For deposits, if the bottom of the first issue is 650 yuan, then Li Jun will pay a deposit of 8,350 yuan (6,810 yuan + 1,731 yuan) in addition to the initial payment. The deposit amount of 1 000 000 yuan to 650 yuan (such as step 6 of the above-mentioned autonomous interest rate deposit method) (steps S107, S109), and the present value of the deposit amount of the first session will be in Li Junde The mark time will be RMB 1 000 after four years. If the bottom mark announced in the second session is 660 yuan, then the second session of Li Jun should deposit the deposit amount of 9,340 yuan (1 000,000 yuan to 660 yuan) (such as Step 6) of the above-mentioned autonomous interest rate deposit method (steps S107, S109), the present value of the deposit amount of the second session is also at the time of Li Jun's bid or 09713904, single number A0101, page 35 / total 47 pages 1013185120 -0 1378393

In May 1101, lG became 10,000 yuan after 11 months of the year. The following periods will be followed by the same amount. The present value of the deposit amount deposited by Li Jun will reach 40 in four years. The total amount of 80,000 yuan (that is, the total winning amount of step 5 of the above-mentioned autonomous interest rate deposit method), when the investment-type health and injury insurance policy expires (step S125), the gold flow processing module 41〇 pays Li The present value of all deposit amounts deposited by Jun (ie, 480,000 yuan) and the total amount of premiums paid are once received (step S127). Thereafter, the contract for the investment-type health and injury insurance policy is terminated (step Si 37). _7] $Jun decided to participate in the investment-type health and injury insurance system 402 when he continued to pay for two years, to obtain the total amount of money to invest, thereby increasing the rate of return. Li Jun subscripted with the standard iooos at the 24th session, and the poor gold bidding module 407 calculates the bidder's guarantee-average rate and __ borrowing rate according to the bid amount entered, and according to the fund bidding model The balance of the funds of Group 407 and the interest rate of the borrower of the bidder to determine the total prize of Li Jun won the bid (step 05), Li Jun from the gold flow processing module 41, delivered a total of 455,000 yuan) (Step 5 of the above-mentioned autonomous interest rate deposit method) (Step S119) 'Investment Health and Injury Insurance System is introduced into the personal sub-account of Li Jun’s platform delivery account for investment operation, and Jun is invested by the investment target selected by the investment management module 4〇8 (step S121), the profit and loss is borne by Li Jun, and Li Jun is required to pay 10 yuan for each of the next 25 sessions. The repayment amount is given to the golden stream processing module 410 (step 5 of the autonomous interest rate deposit method described above) (step S123) to repay the loan generated in the fund bidding. '年化报[0098] Assume that the total investment in the future will be invested in the second year (25 issues) 09713904#单号A01〇l Page 36/47 pages 1013185120-0 1378393 101.05.16 _The remuneration rate is 7%', when the capital bidding period expires, that is, at the end of the fourth year, the net asset value of the total amount of the investment in the individual sub-accounts of the cumulative platform delivery account will reach 523, The number of pure depositors who did not bid was 43,968 yuan (523, 968 yuan - 480, 〇〇〇 yuan). [_]But because Li Junzhi's health insurance is valid for five years, although the injury insurance expires at the end of the third year, and the capital bidding period expires at the end of the fourth year, Li Junzhi's personal sub-account will continue to exist. At the end of the five-year period (ie, the investment-type health and injury insurance policy duties), that is, the investment in the account will not be completed until the fifth year. _] At the end of the third year, Li Junzhi’s injury insurance expired. In the third year and a half, Li Jun opened the knife for cecalitis (steps S129 and S131) and applied to the insurance company for part of the claim for the health project (step S135). At the end of the five-year period (ie, the investment-type health and injury insurance policy expires), the health insurance coverage expires (step S127), and Li Jun receives the net asset value of 557 of the individual sub-accounts paid by the Golden Stream Processing Module 41〇. The total amount of premiums paid at 394 yuan and part of the payment (step S127). Thereafter, the contract of the investment type health and injury insurance policy is terminated (step S137). _] Although the present invention has been referred to the above (4) and the reference to the above, it should not be regarded as a performer. Those skilled in the art will be able to make various modifications, omissions and changes to the form and the contents of the embodiment, and do not leave the scope of the invention. [Simple diagram of the diagram] _ diagram - a block diagram of the investment-type health and injury insurance system of the invention; and a flow chart of the method of the health/injury (4) of the invention. Page 37 of 47 Page 1013185120-0 1378393 101 years old May 16th, according to the positive page [Key component symbol description] [0103] To protect the terminal 401 Investment-type health and injury insurance system 402 Electronic certificate issuing agency 403 Insurance company claims operation system 404 investment type health and injury insurance receiving operation module 40 5 capital bidding module 407 investment management module 408 claims operation module 409 gold flow processing module 410 database 411

09713904^^^^ A〇101 Page 38 of 47 1013185120-0

Claims (1)

1378393 1101^.05 H VII. Scope of application for patents: 1. A method of investing in health and injury insurance, which is applied to an investment-type health insurance and injury insurance system. The method comprises the following steps: The electronic voucher enters the investment type health and injury insurance system, and the investment type health and injury insurance system-investment type health and injury insurance receiving operation module obtains and reviews the corresponding electronic certificate from an electric and sub-certificate issuing institution. One of the basic information of the insured person, the insured person purchases one of the investment type health and injury insurance receiving operation modules provided by the investment type Φ type health and injury insurance policy; the insured person enters the investment type of health and injury The insurance system inputs a bid amount to participate in the bidding. The sheet bidding module of the investment type health and injury insurance system calculates the average deposit interest rate and one loan of the bidder according to the bid amount that is rounded up. Interest rate, and based on the fund balance of one of the fund bidding modules and the borrowing interest rate of the insured person who has the bid, The amount and the number of successful bidders; the gold flow processing module of one of the anti-investment health and injury insurance systems settles a total amount of the winnings and a repayment amount according to the amount of the payment, and according to the winning bidder The average borrowing rate is equal to the deposit amount of a deposit, or the highest bid amount of the insured person, or the benchmark interest rate, to settle a deposit amount; the delivery of the gold stream processing module has been deposited. The deposit amount of one of the personal virtual accounts of the insured person; when the insured person fails to obtain the bid, the claim operation module of the investment type health and injury insurance system judges an insured person in the investment type of health and injury insurance Whether the insurance policy is expired before the expiration of the policy; if the insured person fails to obtain the standard, if the insured is in the investment type of health and 09713904# single number Α 0101 page 39 / total 47 pages 1013185120-0 1378393 1101 May 'harm If the insurance policy is in danger before the expiration of the insurance policy, the claim operation module determines whether the insured is seriously in danger; if the insured is not successful, if the insured is seriously insured, the gold flow processing module Paying a claim for the investment health and injury insurance policy and all the deposit amount of the personal virtual account of the insured person to a beneficiary or the insured; when the insured person fails to obtain the bid If the insured is not in serious risk, the gold flow processing module shall pay part of the claim to the insured person as determined by the contractual terms of the investment health and injury insurance policy; The amount of the repayment of the insured person who has obtained the bid. The cash flow processing module delivers the total bid to deposit the personal sub-account of the insured person who is the subject of the session. The investment management module of the Health and Injury Insurance System provides various investment targets for the total amount of the target sub-account of the insured person to invest, and announces one of the investment targets, one investment corresponding to the total amount of the invested capital. Profit and loss and a net asset value; when the insured person has obtained the bid, 'the claim type operation module determines whether the investment type health and injury insurance policy expires; if the insured person has obtained the bid, if the investment type is healthy And injury If the insurance policy expires, the gold flow processing module pays the premium to be paid by the insured, the total amount of the premium and a settlement balance to the insured, the settlement balance being the individual sub-account of the insured The net asset value of the total amount of the invested capital is deducted from the total repayment amount of one of the remaining periods; when the insured person has obtained the bid, if the investment-type health and injury insurance policy has not expired, the claim operation The module determines whether the insured is in danger; Item No. 第1 Page 40 of 47 Page 1013185120-0 1378393 On May 16th, 2011, the page is replaced by the insured when the insured has obtained the bid. In case of insurance, the claim operation module determines whether the insured is seriously in danger; when the insured person has obtained the bid, if the insured is seriously in danger, the gold flow processing module pays the investment type health And the claim balance of the injury insurance policy and the settlement balance to the beneficiary or the insured person, the settlement balance is the net asset value of the total amount of the investment of the personal sub-account of the insured One of the total repayment amount; And when the insured person has obtained the bid, if the insured is not seriously insured, the gold flow processing module pays part of the claim amount of the investment health and injury insurance policy to the To protect people. The method of claim 1, further comprising the steps of: receiving, by the gold flow processing module, the premium paid by the insured, and issuing the investment type by the investment type health and injury insurance receiving operation module; An electronic insurance policy for an insurance and injury insurance policy is given to the insured person; if the insured person fails to obtain the standard, if the insured is not in danger, the insured person enters the investment health and injury insurance system and Entering the bid amount to participate in the bidding step; if the insured does not get the bid, if the insured does not take the risk, the claim operation module determines whether the investment type health and injury insurance policy expires; When the beneficiary or the insured person receives the current amount of the deposit and the personal virtual account, the total amount of the deposit, or the total amount of the premium paid and the balance of the settlement, or the settlement of the claim and the settlement At the time of the balance, the contract for the investment-type health and injury insurance policy is terminated. For example, the method of claim 2, wherein the underwriting item of the electronic policy includes whether the content of the required insurance book is complete and true, and the insured person is 09Ή3904, the order number A0101, page 41/47, 1013185120- 0 1378393 _ The qualification of the replacement page on May 16, 2011, the relationship between the insured and the insured, the qualification of the insured, whether the insured agrees in writing to the insurance contract, and the insured The total amount of the bidding transaction portfolio of one of the investment-type health and injury insurance policies involved, the ratio between the actual economic needs of the insured and the insured amount, and the personal conditions, employment status, and years of the insured person Whether income can make it pay premiums in a long-term and stable manner. 4. The method of claim 1, wherein the health insurance item is selected when the insured person selects to insure the comprehensive project insurance of the investment type health and injury insurance policy in the investment health and injury insurance receiving operation module. Some of the effective periods may be the same or different from the effective period of the injury item. 5. For the method of applying for the third paragraph of the patent scope, in which the effective period of the health item part is different from the effective period of the injury item part, the longer of the two is valid as one of the whole insurance The benchmark for the period and the decision to participate in the bidding period of one of the investment health and injury insurance systems. 6. The method of claim 1, wherein if the settlement balance settled by the gold flow processing module is negative, the total amount of the premium paid or the claim payment is offset. The portion of the balance of the settlement balance. 7. The method of claim 1, wherein the investment-type health and injury insurance system communicates with a terminal by means of internet, wired and wireless communication, and does an instant with the insured person Secure message exchange. 8. The method of claim 1, wherein the investment target comprises at least one of a mutual fund, a marketable securities, and a derivative financial product. 9. If the method of claim 1 is used, wherein The fund bidding module calculates all the unsuccessful items at the time of the opening of the bid. 09713904: ?·单号A〇101 Page 42/47 pages 1013185120-0 1378393 ___ • 101 years. May 16th Is to replace the amount of the depositor's deposit should be less than the total amount of the required premium of the insured at that point in time and store the total amount of the deposit into the investment health and injury insurance system; The fund bidding module judges whether the balance of the fund at the time of the previous bid opening plus the balance of the fund at the time of the bid opening is less than or equal to zero, and stores the calculated fund balance in the database; Calculating the borrowing rate according to the bidding amount of the bidder and the total amount of one of the investment-type health and injury insurance policies read from the poor stock, and one of the parental portfolios. All the bidders. The ranking of the borrowing interest rate of the Haibao insurer is sorted, and the borrowing interest rate is stored in the database; and * the fund balance and the investment* are read from the database by the 6 Hai poor gold bidding module. The interest rate of the borrower to be guaranteed to determine the amount of the winning bid and get 10 11 〇97139〇4 The number of bats is counted, and the winning amount and the number of winners are stored in the database. For example, the method of claim 1 of the patent scope, wherein. The Haijin Stream Processing Module will not be awarded the deposit of the insured person as part of the total amount of the required amount of the insured person; the gold stream processing module will have obtained The amount of the repayment of the insured person shall be converted into the part of the thief of the guarantor who is the guarantor of the pledge, and the gambling squad will receive the guarantor (10) After the standard gold is introduced into the human account, '(4) The total amount of the standard is converted into a rabbit for investment purposes and the investment management module is used for investment management. 3 Please refer to the method of Patent No. β, in which the information of the health and injury insurance policy of an insurance company is transmitted to the electronic certificate issuing certificate=encryption, touch shirt, and deposit certificate, and the electronic core issuing institution such as Guang (4) The health and injury insurance policy is transmitted to the insurance company. The insurance page 43/47 pages 1013185120-0 1378393 _ On May 16, 101, the non-page insurance company is transferred to the insured. 12. The method of claim 1, wherein, when the insured person is in danger, the manager claims compensation approval, and the gold flow processing module is based on the contents of the investment health and injury insurance policy The payment method includes if the investment health and injury insurance policy is a health insurance, the claim is a claim for a health insurance; if the investment health and injury insurance policy is an injury insurance, the claim is Claims for the injury project; and I If the investment health and injury insurance policy is a health and injury comprehensive project insurance, the claim is at least one of the claims for the health insurance premium and the injury project. 13. The method of claim 1, wherein the insured’s serious risk is a death or a total disability, and the insured’s non-serious risk means non-death and non-disabled Risk situation. 14. The method of claim 1, wherein the claims operation module receives a claim application result transmitted by an insurance company of the investment health and injury insurance system, The result of the claim application is that when the insured is in danger, an insurance company receives the claim application, determines the insurance accident, and judges whether the claim is in compliance with the claim standard. 15. The method of claim 1, wherein the investment-type health and injury insurance policy comprises a bidding transaction portfolio comprising a bidding period, a bidding period, and a general meeting. 16. The method of claim 1, wherein when the insured person obtains part of the claim for non-severe risk insurance, when the investment type health and injury insurance policy expires, the gold flow processing module According to the investment type of health and injury 09713904^Single number A〇101 Page 44 / Total 47 pages 1013185120-0 1378393 On May 16, 2011, the reimbursement standard for the replacement page insurance policy is refunded to the total amount of the premiums paid. Part of the amount is given to the insured. 097139G4#单单 A〇101 Page 45 of 47 1013185120-0