CN101783005A - Mutual-aid life and death risk combining method and system - Google Patents
Mutual-aid life and death risk combining method and systemDownload PDFInfo
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Abstract
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Translated fromChinese技术领域technical field
本发明涉及一种金融电子商务的生死合险的保险领域，特别是涉及运用信息科技，创造一种互助式生死合险的方法与系统。The invention relates to the field of life-and-death insurance in financial e-commerce, in particular to a method and system for creating a mutual-aid life-and-death insurance by using information technology.
背景技术Background technique
生死合险是一种保守性的储蓄保障型保险商品，又称为养老保险，提供保险期间享有保障、满期后还能领回保费的储蓄型险种。生死合险储蓄部份的利率，是以稳当安全的定期存款利率为准；死亡保障部份于保险期间届满时即消失。近年来，银行端销售生死合险商品时，时常将的比拟为零存整付存款与保险的组合，因此赢得市场保守型客户的热爱。Life and death insurance is a conservative savings protection insurance product, also known as endowment insurance, which provides a savings type of insurance that enjoys protection during the insurance period and can get back the premium after the expiration. The interest rate of the life and death insurance savings part is based on the stable and safe time deposit interest rate; the death protection part will disappear when the insurance period expires. In recent years, when banks sell life-and-death insurance products, they often compare it to a combination of zero deposit and lump sum deposits and insurance, which has won the love of conservative customers in the market.
事实上，生死合险是一种固定利率商品，和银行短期的定期存款不同，保险公司必须承担利差风险。因此，保险公司在经营「生死合险」的险种时，对其保险费用的规划必须在保障金额和利差风险间摆荡。提高保障金额、降低储蓄利率是保险公司的最爱，但此举将遭受失去市场的风险。根据保险业的长期观察，保障部份通过精算是比较能掌握的获利区块，利差困境却是保险业的梦魇。因此，如何消除利率风险是成为保险界对于经营「生死合险」类的保险的迫切课题。In fact, life-and-death insurance is a fixed-rate commodity. Unlike short-term fixed deposits in banks, insurance companies must bear the risk of interest rate spreads. Therefore, when an insurance company operates the "Life and Death" type of insurance, the planning of its insurance premium must swing between the insured amount and the risk of interest rate spread. Increased coverage and lower savings rates are favorites of insurers, but such a move would risk losing the market. According to the long-term observation of the insurance industry, the protection part is relatively profitable through actuarial, but the dilemma of interest rate spread is the nightmare of the insurance industry. Therefore, how to eliminate interest rate risk has become an urgent issue in the insurance industry for the operation of "life and death insurance" insurance.
其次，近年来，由于信息的发达，各项投资型保险商品兴盛，对于保守型的「生死合险」商品愈来愈无法符合市场上热烈的投资热潮，更可惜的是，「生死合险」只满足保守型客户的需求，违背大众型个人化(Mass-Individualization)的个性化保险商品的保险趋势。因此，如何让「生死合险」注入诸如扩大信用的特质以成为一种客制化的保险商品，来满足市场上各种风险偏好的客户族群需求，将成为众所期待的保险商品。Secondly, in recent years, due to the development of information, various investment-type insurance products have prospered, and the conservative "life-and-death insurance" products are increasingly unable to meet the enthusiastic investment boom in the market. It only meets the needs of conservative customers and goes against the insurance trend of mass-individualization and personalized insurance products. Therefore, how to infuse "life and death insurance" with characteristics such as expanding credit to become a customized insurance product to meet the needs of customer groups with various risk preferences in the market will become an insurance product that everyone is looking forward to.
专利号为US 6,999,935的美国专利「Method of calculating premiumpayment to cover the risk attributable to insureds surviving a specified period」揭示了一种保费计算机制，其将要保人领取的满期生存保险金须课税的事实事先纳入考量，藉以计算出最适当的保费；然而，此一专利并未解决保险公司的利差风险问题。The U.S. patent "Method of calculating premium payment to cover the risk attributable to insureds surviving a specified period" with the patent number US 6,999,935 discloses a premium calculation mechanism, which pre-dates the fact that the insured's full-term survival insurance payment is subject to taxation In order to calculate the most appropriate premium; however, this patent does not solve the problem of interest rate spread risk of insurance companies.
发明内容Contents of the invention
综上所述，本发明提供一种互助式生死合险的方法与系统以解决以上问题。本发明的发明目的如下：To sum up, the present invention provides a method and system for mutual aid life-and-death insurance to solve the above problems. Purpose of the invention of the present invention is as follows:
1.本发明是以互助式存借平台的保险费缴交方式，取代传统「生死合险」的保费结构，让保险公司免除负担利率风险，而要保人得以扩大信用来进行投资以获取更高报酬。1. This invention replaces the premium structure of the traditional "life and death insurance" with the insurance premium payment method of the mutual-aid deposit and loan platform, so that the insurance company is exempted from the burden of interest rate risk, and the applicant can expand credit to invest in order to obtain more high pay.
2.本发明建立保险平台观念，破除保险公司「有风险才有报酬」的迷思，让保险公司在信息对称下赚取手续费。2. The present invention establishes the concept of an insurance platform, breaks the myth of insurance companies that "rewards come only when there is risk", and allows insurance companies to earn commissions under information symmetry.
3.本发明建立互动式交易概念的保险平台：传统的保险契约，都是由保险公司精算设定，精算结果的透明度低，消费方毫无置喙余地；网络时代因信息发达，公平、合理、透明度高的互动式保险平台于焉诞生。3. The present invention establishes an insurance platform with the concept of interactive transactions: traditional insurance contracts are set by the actuarial calculation of the insurance company, the transparency of the actuarial results is low, and the consumer has no room for comment; An interactive insurance platform with high transparency was born.
4.本发明提供要保人缴交费用的自主决定权，使要保人可自由选择不竞标以取得储蓄保障或竞标以取得资金进行更高收益的投资，并参与保险公司分红，提升未来可取得的保险金总额。4. The present invention provides the proposer with the independent decision-making right to pay the fee, so that the proposer can freely choose not to bid to obtain savings protection or to bid to obtain funds for higher-yield investment, and participate in insurance company dividends, increasing future potential The total amount of insurance benefits obtained.
5.本发明为储蓄化的保险，由储蓄搭配保障，以消除道德风险，使要保人及受益人得以经由储蓄或投资为未来取得保障。5. The present invention is savings-based insurance, which combines savings with protection to eliminate moral hazard, so that the proposer and beneficiary can obtain protection for the future through savings or investment.
6.本发明为一开放型保险商品，可满足各类型风险偏好的投资族群，有别于传统「生死合险」商品只适合于保守型客户。6. The present invention is an open insurance product that can satisfy investment groups with various types of risk preferences. It is different from traditional "life and death insurance" products that are only suitable for conservative customers.
7.本发明可经由互助式存借平台的运作，反映市场利率，创造市场上具指标性的参考利率。7. The present invention can reflect the market interest rate through the operation of the mutual deposit and loan platform, and create an indicative reference interest rate in the market.
为实现以上目的，本发明提供一种互助式生死合险的方法，其应用于一互助式生死合险系统，该方法包含下列步骤：In order to achieve the above object, the present invention provides a method for mutual life-and-death insurance, which is applied to a mutual-aid life-and-death insurance system, the method comprising the following steps:
由该互助式生死合险系统的一线上保单购买操作模块接收并审核一要保人的一基本数据，由该线上保单购买操作模块提供一互助式生死合险保单以供该要保人购买，该互助式生死合险保单包含一竞标交易组合；The online insurance policy purchase operation module of the mutual life and death insurance system receives and reviews a basic data of a proposer, and the online policy purchase operation module provides a mutual life and death policy for the proposer to purchase , the mutual life and death insurance policy contains a bidding transaction portfolio;
由该互助式生死合险系统的一互助式存借平台竞标模块判断参与该竞标交易组合的该要保人的人数是否额满，该人数与该竞标交易组合的一竞标期数相同；A mutual-aid deposit and loan platform bidding module of the mutual-aid life-and-death insurance system judges whether the number of proposers participating in the bidding transaction combination is full, and the number is the same as a bidding period of the bidding transaction combination;
若参与该竞标交易组合的该要保人的人数额满时，则在该竞标期数的每一会期由该互助式生死合险系统的一互助式存借平台竞标模块接收未曾得标的该要保人所所输入的一投标金额，该互助式存借平台竞标模块根据所输入的该投标金额来决定一得标金额与得标者；If the number of proposers participating in the bidding transaction combination is full, a mutual-aid deposit and lending platform bidding module of the mutual-aid life-and-death insurance system will receive the proposals that have not been bid in each session of the bidding period A bidding amount input by the guarantor, and the bidding module of the mutual deposit and loan platform determines a winning bid amount and the winning bidder according to the input bidding amount;
由该互助式生死合险系统的一保险金给付操作模块根据该得标金额结算一总得标金、一存款金额与一还款金额；An insurance payment operation module of the mutual life-and-death insurance system settles a total winning bid, a deposit amount and a repayment amount according to the winning bid amount;
在该要保人未得标时，由该保险金给付操作模块判断一被保险人是否出险；When the proposer fails to win the bid, the insurance payment operation module judges whether an insured is in danger;
在该要保人未得标时，若该被保险人出险，则由该保险金给付操作模块结算该互助式生死合险保单的一生死合险保险给付；When the proposer fails to win the bid, if the insured is out of danger, the insurance payment operation module will settle the life-and-death insurance payment of the mutual-aid life-and-death insurance policy;
在该要保人未得标时，若该被保险人未出险，则进行由该互助式存借平台竞标模块接收未曾得标的该要保人所输入的该投标金额的步骤；When the proposer fails to win the bid, if the insured is not out of danger, the bidding module of the mutual deposit and loan platform receives the bid amount input by the proposer who has not won the bid;
在该要保人已得标时，由该保险金给付操作模块判断该互助式生死合险保单是否到期；When the proposer has won the bid, the insurance payment operation module judges whether the mutual life-and-death insurance policy is due;
若该互助式生死合险保单到期，则由该保险金给付操作模块结算该要保人的一投资管理帐户的该总得标金经投资的一资产净值、及结算该资产净值在扣除该生死合险保险给付后的一红利；If the mutual life-and-death insurance policy expires, the insurance benefit payment operation module will settle the net asset value of the investment management account of the proposer's investment management account, and settle the net asset value after deducting the life-death insurance policy. A dividend after payment of insurance coverage;
若该互助式生死合险保单未到期，在该要保人已得标时，则由该保险金给付操作模块判断该被保险人是否出险；以及If the mutual life-and-death insurance policy has not yet expired, when the proposer has won the bid, the insurance benefit payment operation module determines whether the insured is in danger; and
在该要保人已得标时，若该被保险人出险，则由该保险金给付操作模块结算该要保人的该投资管理帐户的该总得标金经投资的该资产净值、及结算该资产净值在扣除该生死合险保险给付后的该红利。When the proposer has won the bid, if the insured is out of danger, the insurance benefit payment operation module will settle the net asset value of the investment management account of the proposer’s investment management account, and settle the The net asset value after deducting the life and death insurance benefits.
本发明提供一种互助式生死合险系统，其包含：The present invention provides a mutual-aid life-and-death insurance system, which includes:
一线上保单购买操作模块，用以根据一要保人的一基本数据进行审核，提供一互助式生死合险保单以供该要保人选择购买，该互助式生死合险保单包含一竞标交易组合；An online insurance policy purchase operation module, which is used to conduct an audit based on a basic data of a proposer, and provide a mutual life-and-death insurance policy for the proposer to choose to purchase, and the mutual-aid life-and-death insurance policy includes a bidding transaction combination ;
一互助式存借平台竞标模块，用以在该竞标交易组合的一竞标期数的每一会期根据未曾得标的该要保人所输入的一投标金额来决定一得标金额与得标者；以及A bidding module of a mutual deposit and lending platform, used to determine a winning bid amount and a winning bidder according to a bidding amount input by the proposer who has not won a bid in each session of a bidding period of the bidding transaction combination; as well as
一保险金给付操作模块，用以根据该得标金额结算该总得标金、一存款金额与一还款金额，根据该互助式生死合险保单是否到期及一被保险人是否出险以结算一生死合险保险给付及/或一红利，该红利是该总得标金经投资的一资产净值在扣除该生死合险保险给付后为正值的余额。An insurance benefit payment operation module, used to settle the total bidding amount, a deposit amount and a repayment amount according to the winning bid amount, and settle an insurance payment according to whether the mutual life-and-death insurance policy expires and whether an insured is out of danger. Life and death insurance payment and/or a bonus, the dividend is the positive balance of the invested net asset value after deducting the life and death insurance payment.
附图说明Description of drawings
图1是本发明的互助式生死合险系统的方块图；以及Fig. 1 is the block diagram of mutual aid type life-and-death insurance system of the present invention; And
图2是本发明的互助式生死合险方法的流程图。Fig. 2 is a flow chart of the mutual-aid life-and-death insurance method of the present invention.
附图符号说明Description of reference symbols
终端机 401Terminal 401
互助式生死合险系统 402Mutual life and death insurance system 402
电子凭证核发机构 403Electronic certificate issuing agency 403
保险公司理赔操作系统 404Insurance company claims system 404
线上保单购买操作模块 405Online policy purchase operation module 405
互助式存借平台竞标模块 407Mutual deposit and loan platform bidding module 407
投资管理操作模块 409Investment Management Operation Module 409
保险金给付操作模块 412Insurance payment operation module 412
数据库 413Database 413
具体实施方式Detailed ways
以下将详细描述本发明具体实施方式，并列举较佳的具体实施例说明如下：The specific embodiment of the present invention will be described in detail below, and enumerate preferred specific embodiment and illustrate as follows:
图1是本发明的互助式生死合险系统的方块图。在图1中，互助式生死合险系统402藉由网络、有线及无线通讯方式与要保人所使用的互助式生死合险系统402外部的一终端机者401(如计算机、手机、PDA等装置)进行通讯，而与要保人做一即时安全的讯息交换。由要保人藉由终端机401向互助式生死合险系统402购买互助式生死合险保单、参与互助式生死合险系统402的竞标、及从互助式生死合险系统402获知竞标的结果与收付款项。Fig. 1 is a block diagram of the mutual aid type life-and-death insurance system of the present invention. In Fig. 1, the mutual life and death insurance system 402 communicates with a terminal 401 outside the mutual life and death insurance system 402 used by the proposer (such as a computer, a mobile phone, a PDA, etc.) device) to communicate with the proposer in an instant and secure message exchange. The proposer purchases a mutual life-and-death insurance policy from the mutual-aid life-and-death insurance system 402 through the terminal 401, participates in the bidding of the mutual-aid life-and-death insurance system 402, and learns the result of the bidding from the mutual-aid life-and-death insurance system 402 and Receive payments.
下文中将描述互助式生死合险系统402所包含的一线上保单购买操作模块405、一互助式存借平台竞标模块407、一投资管理操作模块409、一保险金给付操作模块412及一数据库413等各模块的操作。The following will describe the online insurance policy purchase operation module 405, a mutual deposit and loan platform bidding module 407, an investment management operation module 409, an insurance benefit payment operation module 412 and a database 413 included in the mutual life and death insurance system 402. Wait for the operation of each module.
线上保单购买操作模块405根据要保人的一电子凭证从互助式生死合险系统402外部的一电子凭证核发机构403取得要保人的一基本数据，并审核该要保人的基本数据，提供一互助式生死合险保单以供要保人选择购买。The online insurance policy purchase operation module 405 obtains a basic data of the proposer from an electronic certificate issuing agency 403 outside the mutual life and death insurance system 402 according to an electronic certificate of the proposer, and reviews the basic data of the proposer, A mutual life and death insurance policy is provided for the proposer to choose to purchase.
在保险金给付操作模块412收取要保人所缴纳的保费后，线上保单购买操作模块405核发互助式生死合险保单的一电子保单给要保人。After the insurance payment operation module 412 collects the premium paid by the proposer, the online policy purchase operation module 405 issues an electronic policy of the mutual life-and-death joint insurance policy to the proposer.
其中，电子保单的核保项目包含一要保书的内容填写是否完整及真实、要保人购买互助式生死合险保单的资格、要保人与被保险人的关系、被保险人投保的资格、被保险人是否书面同意保险契约、要保人所参与的互助式生死合险保单的一竞标交易组合的一总会款、被保险人的实际经济需求与保额之间的比例、以及要保人的个人条件、就业状况、年收入是否能使其长期持续稳定地缴交保费。Among them, the underwriting items of the electronic insurance policy include whether the content of the proposal is complete and true, the qualifications of the proposer to purchase a mutual life-and-death insurance policy, the relationship between the proposer and the insured, and the qualifications of the insured to apply for insurance , whether the insured agrees to the insurance contract in writing, the sum total sum of a bidding transaction combination of mutual life-and-death insurance policies that the proposer participates in, the ratio between the actual economic needs of the insured and the insured amount, and requirements Whether the insurer's personal conditions, employment status, and annual income can enable him to pay premiums continuously and stably for a long time.
电子凭证核发机构403接收由经营互助式生死合险系统的保险公司所传送的互助式生死合险保单的数据，在加密、数字签章、存证后，电子凭证核发机构403将互助式生死合险保单传送至该保险公司，而该保险公司再将其传送至要保人。The electronic certificate issuing agency 403 receives the data of the mutual life-and-death insurance policy transmitted by the insurance company operating the mutual life-and-death insurance system. The insurance policy is transmitted to the insurance company, which in turn transmits it to the proposer.
互助式生死合险保单包含有竞标交易组合，该竞标交易组合包含一竞标期限、一竞标期数及一总会款。互助式生死合险保单的生死合险保险给付的金额与竞标交易组合的总会款的金额相同。The mutual life and death insurance policy includes a bidding transaction combination, and the bidding transaction combination includes a bidding period, a bidding period and a general payment. The life-and-death insurance benefits of the mutual life-and-death insurance policy are the same as the total amount of the bidding transaction portfolio.
一互助式存借平台竞标模块407在判断参与竞标交易组合的要保人的人数(该人数与竞标交易组合中的竞标期数相同)额满时，在竞标交易组合的一竞标期数的每一会期中，由未曾得标的要保人藉由终端机401输入一投标金额至互助式存借平台竞标模块407，根据所有输入的投标金额以最高的投标金额作为一得标金额并决定得标者。互助式存借平台竞标模块407将开标结果经由终端机401传送至要保人。互助式存借平台竞标模块407将前述各项数据存入数据库413。When the bidding module 407 of a mutual-aid deposit and lending platform judges that the number of proposers participating in the bidding transaction combination (this number is the same as the number of bidding periods in the bidding transaction combination) is full, it will During a session, the proposer who has not won the bid enters a bid amount to the bidding module 407 of the mutual deposit and loan platform through the terminal 401, and the highest bid amount is used as the winning bid amount according to all input bid amounts to determine the winning bid By. The mutual aid deposit and loan platform bidding module 407 transmits the bid opening result to the proposer via the terminal 401 . The bidding module 407 of the mutual-aid deposit and loan platform stores the aforementioned data into the database 413 .
当有数个相同的最高的投标金额时，互助式存借平台竞标模块407以抽签方式抽出最高的投标金额的所述要保人的其中之一为得标者，得标金额即为此最高的投标金额；当无人投标时，互助式存借平台竞标模块407以抽签方式抽出未曾得标的所述要保人的其中之一为得标者，此抽签方式的得标金额是互助式存借平台竞标模块407所规定的一基本标金。When there are several same highest bidding amounts, the bidding module 407 of the mutual deposit and lending platform draws lots to draw one of the proposers with the highest bidding amount as the winning bidder, and the winning bid amount is the highest bidding amount. Bid amount; when no one bids, the bidding module 407 of the mutual deposit and loan platform draws lots to draw one of the proposers who have not won the bid as the successful bidder. A basic bidding price stipulated by the platform bidding module 407 .
投资管理操作模块409提供各种投资标的以供要保人的一投资管理帐户的一总得标金进行投资，并显示对应投资管理帐户的总得标金所投资的一投资标的、一投资损益及一资产净值。其中，投资标的包含共同基金、有价证券及衍生性金融商品至少一者的金融商品。The investment management operation module 409 provides various investment targets for the proposer to invest with a total bid of an investment management account, and displays an investment target, an investment profit and loss, and a net asset value. Wherein, the investment target includes financial products of at least one of mutual funds, marketable securities and derivative financial products.
保险金给付操作模块412根据得标金额结算总得标金、一存款金额与一还款金额。保险金给付操作模块412交割以存入投资管理帐户的总得标金、已存入个人帐户的存款金额、及在每一会期所缴纳的还款金额。The insurance payment operation module 412 settles the total winning bid, a deposit amount and a repayment amount according to the winning bid amount. The insurance benefit payment operation module 412 delivers and deposits the total bidding money into the investment management account, the deposit amount already deposited into the personal account, and the repayment amount paid in each session.
保险金给付操作模块412根据互助式生死合险保单是否到期及被保险人是否出险以给付一生死合险保险给付及/或一红利给要保人或受益人，该红利是总得标金经投资的资产净值在扣除生死合险保险给付后为正值的余额。The insurance payment operation module 412 pays the life and death insurance payment and/or a bonus to the proposer or beneficiary according to whether the mutual life and death insurance policy expires and whether the insured is out of danger. The net asset value of the investment is the positive balance after deducting the life and death insurance benefits.
保险金给付操作模块412将未得标的要保人的存款金额及已得标的要保人的还款金额分别转换成该会期得标的要保人的总得标金的一部分。The insurance benefit payment operation module 412 converts the deposit amount of the proposer who has not won the bid and the repayment amount of the proposer who has won the bid respectively into a part of the total bidding money of the proposer who wins the bid in the session.
保险金给付操作模块412接收由互助式生死合险系统402外部的一保险公司理赔操作系统404所传送的理赔申请结果，该理赔申请结果是在被保险人出险时，由保险公司接收理赔申请，进行保险事故认定，以及判断是否符合理赔标准。The insurance benefit payment operation module 412 receives the claim settlement application result transmitted by an insurance company's claim settlement operating system 404 outside the mutual life and death insurance system 402. The claim settlement application result is that the insurance company receives the claim settlement application when the insured is out of danger, Carry out the identification of insurance accidents and judge whether they meet the claims standards.
数据库413用以由线上保单购买操作模块405存取要保人的基本数据、互助式生死合险保单及竞标交易组合的数据，由互助式存借平台竞标模块407存取投标金额、最高的投标金额、得标金额与得标者的数据，由投资管理操作模块409存取投资标的、投资损益及资产净值的数据，及保险金给付操作模块412存取得标金额、总得标金、还款金额、存款金额、被保险人的出险数据、生死合险保险给付、红利、互助式生死合险保单、投资管理帐户及个人帐户的数据。The database 413 is used by the online insurance policy purchase operation module 405 to access the basic data of the proposer, the mutual life and death insurance policy and the data of the bidding transaction combination, and the bidding module 407 of the mutual deposit and loan platform to access the bid amount, the highest The bid amount, the bid amount and the bidder’s data are stored and retrieved by the investment management operation module 409 of the investment target, investment profit and loss, and net asset value, and the insurance payment operation module 412 stores the bid amount, total bid amount, and repayment Amount, deposit amount, accident data of the insured, life and death insurance benefits, bonuses, mutual life and death insurance policy, investment management account and personal account data.
对于得标的要保人而言，保险金给付操作模块412依照利息给付的先后来结算总得标金有以下两种计算式：For the proposer who wins the bid, the insurance payment operation module 412 settles the total bid payment according to the order of interest payment, and there are the following two calculation formulas:
利息先支付：An＝(U-In)×(N-n)+U×(n-1).............(1)Interest paid first: An = (UIn )×(Nn)+U×(n-1)...........(1)
利息后支付：
其中，in,
An为得标要保人于第n期得标的总得标金；An is the total bid price of the successful bid proposer in the nth phase of the bid;
U为一竞标上限；U is a bidding limit;
N为竞标期数；N is the number of bidding periods;
n为一现行期数，且n≤N；n is a current number of periods, and n≤N;
In为得标要保人于第n期的得标金额；In is the winning bid amount of the winning proposer in the nth period;
Ii为未得标要保人于第i期进行存款金额，且i＜n。Ii is the amount of deposits made by unsuccessful bidders in the i period, and i<n.
上述前得标要保人需在往后期数进行还款，还款金额的计算方式如下：The above-mentioned proposer who won the bid before the bid shall make repayment in the subsequent period, and the calculation method of the repayment amount is as follows:
利息先支付：U..........................................................(3)Interest paid first: U................................................ ..........(3)
利息后支付：U+In.......................................................(4)Pay after interest: U+In ................................................ ..........(4)
其中，in,
U为一竞标上限；U is a bidding limit;
In为得标要保人于第n期得标金额。In is the winning bid amount of the bid-winning proposer in the nth period.
保险金给付操作模块412结算未得标要保人的存款金额是依照利息先后支付有两种计算方式：The insurance benefit payment operation module 412 settles the deposit amount of the proposer who has not won the bid and pays according to the interest. There are two calculation methods:
利息先支付：U-In.......................................................(5)Interest paid first: UIn ................................................ ..........(5)
利息后支付：U..........................................................(6)Pay after interest: U................................................ ..........(6)
其中，in,
U为一竞标上限；U is a bidding limit;
In为根据第n期的得标要保人的得标金额。In is the winning bid amount of the proposer based on the winning bid of the nth period.
图2是本发明的互助式生死合险方法的流程图。在描述图2的流程的同时，请一并参考图1的各组件。Fig. 2 is a flow chart of the mutual-aid life-and-death insurance method of the present invention. While describing the process in FIG. 2 , please also refer to each component in FIG. 1 .
首先，由电子凭证核发机构403接受要保人申请电子凭证，在要保人提供基本数据给电子凭证核发机构403并经审核后，电子凭证核发机构403给予要保人的电子凭证，以作为要保人身份认证的用(步骤S101)。First, the electronic certificate issuing agency 403 accepts the proposer's application for an electronic certificate. After the proposer provides the basic data to the electronic certificate issuing agency 403 and has been reviewed, the electronic certificate issuing agency 403 gives the proposer an electronic certificate as a request The use of guarantor identity authentication (step S101).
接着，由互助式生死合险系统402的线上保单购买操作模块405接收要保人藉由终端机401所登录的一电子凭证，并从电子凭证核发机构403获得并审核对应该电子凭证的要保人的基本数据。线上保单购买操作模块405提供不同竞标期限、不同竞标期数及不同会款的各种互助式生死合险保单的形式以供要保人选择购买(步骤S102)。线上保单购买操作模块405将要保人的基本数据、互助式生死合险保单等储存于数据库413。Next, the online policy purchase operation module 405 of the mutual life-and-death insurance system 402 receives an electronic certificate registered by the proposer through the terminal 401, and obtains and reviews the request corresponding to the electronic certificate from the electronic certificate issuing institution 403. Basic data of the guarantor. The online insurance policy purchase operation module 405 provides various forms of mutual aid life-and-death insurance policies with different bidding periods, different bidding periods and different subscriptions for the proposer to choose to purchase (step S102). The online insurance policy purchase operation module 405 stores the basic data of the applicant, mutual life and death insurance policies, etc. in the database 413 .
互助式生死合险保单包含有竞标交易组合，而该竞标交易组合包含一竞标期限、一竞标期数及一总会款。互助式生死合险保单的生死合险保险给付的金额与竞标交易组合的总会款的金额相同。The mutual aid life-and-death insurance policy includes a bidding transaction combination, and the bidding transaction combination includes a bidding period, a bidding period and a general payment. The life-and-death insurance benefits of the mutual life-and-death insurance policy are the same as the total amount of the bidding transaction portfolio.
由保险金给付操作模块412收取要保人所缴纳的互助式生死合险保单的保费，并由线上保单购买操作模块405核发互助式生死合险保单的一电子保单给要保人(步骤S103)。而电子保单的核保项目如上所述。The insurance payment operation module 412 collects the premium of the mutual life-and-death insurance policy paid by the proposer, and an electronic insurance policy of the mutual-aid life-and-death insurance policy is issued by the online insurance policy purchase operation module 405 to the proposer (step S103 ). The underwriting items of the electronic policy are as described above.
其中，互助式生死合险保单规定所要缴纳的费用包含保险期间的保费及互助式生死合险系统402竞标期间的存款金额或还款金额。Among them, the mutual life and death insurance policy stipulates that the fees to be paid include the insurance premium during the insurance period and the deposit amount or repayment amount during the bidding period of the mutual life and death insurance system 402 .
接着，由互助式存借平台竞标模块407判断参与竞标交易组合的要保人的人数是否额满，该人数与竞标交易组合的竞标期数相同(步骤S104)。Next, the bidding module 407 of the mutual deposit and lending platform judges whether the number of proposers participating in the bidding transaction combination is full, and the number is the same as the number of bidding periods of the bidding transaction combination (step S104).
若参与竞标交易组合的要保人的人数额满，则在竞标期数的每一会期中由互助式存借平台竞标模块407接收未曾得标的该要保人藉由终端机401所输入的一投标金额以参与竞标。互助式存借平台竞标模块407根据所有参与竞标的要保人所输入的投标金额以最高的投标金额来决定一得标金额与得标者(步骤S105)。互助式存借平台竞标模块407将投标金额、最高的投标金额、得标金额及得标者等数据储存于数据库413。If the number of proposers participating in the bidding transaction combination is full, then in each session of the bidding period, the bidding module 407 of the mutual deposit and lending platform will receive a request input by the proposer who has not won the bid through the terminal 401 Bid amount to participate in the auction. Mutual deposit and loan platform bidding module 407 determines a winning bid amount and bidder with the highest bid amount according to the bid amounts input by all proposers participating in the bidding (step S105 ). The bidding module 407 of the mutual deposit and lending platform stores data such as the bid amount, the highest bid amount, the winning bid amount and the winning bidder in the database 413 .
其中，当有数个相同的最高的投标金额时，互助式存借平台竞标模块407以抽签方式抽出最高的投标金额的所述要保人的其中之一为得标者，得标金额即为此最高的投标金额；当无人投标时，互助式存借平台竞标模块407以抽签方式抽出未曾得标的所述要保人的其中之一为得标者，此抽签方式的得标金额是互助式存借平台竞标模块407所规定的一基本标金。Wherein, when there are several same highest bidding amounts, the bidding module 407 of the mutual deposit and loan platform draws lots to draw one of the proposers with the highest bidding amount as the successful bidder, and the winning bid amount is this The highest bidding amount; when no one bids, the bidding module 407 of the mutual-aid deposit and loan platform will draw out one of the proposers who have not won the bid as the successful bidder by lottery. A basic bid stipulated in the bidding module 407 of the deposit and loan platform.
由保险金给付操作模块412根据从数据库413所取得的得标金额结算得标的要保人的一总得标金(如上述计算式(1)或(2))、未得标的要保人所要缴交的一存款金额(如上述计算式(5)或(6))、及已得标的要保人的一还款金额(如上述计算式(3)或(4))(步骤S107)。保险金给付操作模块412将总得标金、存款金额及还款金额等数据储存于数据库413。The insurance payout operation module 412 settles the total bidding money of the proposer who wins the bid (such as the above calculation formula (1) or (2)) according to the winning bid amount obtained from the database 413, and the bidder who fails to win the bid pays A deposit amount paid (such as the above-mentioned formula (5) or (6)), and a repayment amount (such as the above-mentioned formula (3) or (4)) obtained from the target proposer (step S107). The insurance payment operation module 412 stores the data such as the total bid, deposit amount and repayment amount in the database 413 .
其中，由保险金给付操作模块412将未得标的要保人的存款金额转换成该会期得标的要保人的总得标金的一部分，并由保险金给付操作模块412将已得标的要保人的还款金额及已得标要保人的还款金额分别转换成该会期得标的要保人的总得标金的一部分。Among them, the insurance money payment operation module 412 converts the deposit amount of the proposer who has not won the bid into a part of the total bidding money of the proposer who has won the bid for the session, and the insurance payment operation module 412 converts the deposit amount of the proposer who has won the bid The repayment amount of the bid and the repayment amount of the bid proposer are respectively converted into a part of the total bidding money of the bid proposer for the session.
接着，由保险金给付操作模块412交割已存入未得标的要保人的个人帐户的存款金额(步骤S109)。在要保人未得标时，由保险金给付操作模块412判断被保险人在互助式生死合险保单到期前是否出险(步骤S111)。当被保险人出险时，由保险公司接收理赔申请，进行保险事故认定，以及判断是否符合理赔标准，保险公司藉由保险公司理赔操作系统404将理赔申请结果传送至互助式生死合险系统402的保险金给付操作模块412。Next, the insurance payment operation module 412 delivers the deposit amount that has been deposited into the personal account of the proposer who has not won the bid (step S109). When the proposer fails to win the bid, the insurance payment operation module 412 judges whether the insured is out of danger before the mutual life-and-death insurance policy expires (step S111). When the insured is in danger, the insurance company receives the claim application, identifies the insured accident, and judges whether the claim standard is met. An insurance payment operation module 412 .
在要保人未得标时，若被保险人在互助式生死合险保单到期前出险，则由保险金给付操作模块412结算及给付互助式生死合险保单的生死合险保险给付给受益人(步骤S113)；在要保人未得标时，若被保险人在互助式生死合险保单到期前未出险，则进行步骤S105。When the proposer fails to win the bid, if the insured is in danger before the mutual life and death insurance policy expires, the life and death insurance payment of the mutual life and death insurance policy will be settled and paid by the insurance benefit payment operation module 412 to the beneficiary People (step S113); when the proposer fails to win the bid, if the insured is not out of danger before the mutual life and death insurance policy expires, then proceed to step S105.
其次，由保险金给付操作模块412交割总得标金以存入当会期得标的要保人的投资管理帐户(步骤S115)。投资管理操作模块409提供各种投资标的以供要保人的投资管理帐户的总得标金进行投资，并显示对应该总得标金所投资的一投资标的、一投资损益及一资产净值，投资管理操作模块409将所述数据储存至数据库413(步骤S117)。然后，由保险金给付操作模块412交割已得标的要保人的还款金额(步骤S119)。其中，投资标的包含共同基金、有价证券及衍生性金融商品至少之一的金融商品。Secondly, the total bidding money is delivered by the insurance money payment operation module 412 to be deposited into the investment management account of the proposer who wins the bidding in the current session (step S115 ). The investment management operation module 409 provides various investment targets for investment with the total bidding money of the investment management account of the proposer, and displays an investment target, an investment profit and loss, and a net asset value corresponding to the total bidding money invested, and the investment management The operation module 409 stores the data into the database 413 (step S117). Then, the insurance payout operation module 412 delivers the repayment amount of the proposed applicant (step S119). Among them, the investment target includes at least one financial product of mutual funds, marketable securities and derivative financial products.
在要保人已得标时，由保险金给付操作模块412判断互助式生死合险保单是否到期(步骤S121)。当该互助式生死合险保单到期时，保险公司藉由保险公司理赔操作系统404通知保险金给付操作模块412。When the proposer has won the bid, the insurance payment operation module 412 judges whether the mutual life-and-death insurance policy is due (step S121). When the mutual life and death insurance policy expires, the insurance company notifies the insurance benefit payment operation module 412 through the insurance company's claim settlement operating system 404 .
若互助式生死合险保单到期，则由保险金给付操作模块412结算要保人的投资管理帐户的总得标金经投资的资产净值、及结算该资产净值在扣除生死合险保险给付后的红利(步骤S123)。If the mutual-aid life-and-death insurance policy expires, the insurance payment operation module 412 settles the net asset value of the investment management account of the proposer's investment management account after the investment, and settles the net asset value after deducting the life-and-death insurance payment Bonus (step S123).
当红利为正值时，由保险金给付操作模块412给付生死合险保险给付及红利给要保人，当红利为负值或零时，由保险金给付操作模块412给付生死合险保险给付给要保人(步骤S125)。When the bonus is positive, the insurance payment operation module 412 pays the life and death insurance payment and bonus to the applicant; when the bonus is negative or zero, the insurance payment operation module 412 pays the life and death insurance payment The proposer (step S125).
若互助式生死合险保单未到期，在要保人已得标时，则由保险金给付操作模块412判断被保险人是否出险(步骤S127)。判断被保险人是否出险的方式如同步骤S111所述。If the mutual-aid life-and-death insurance policy has not yet expired, when the proposer has won the bid, the insurance payment operation module 412 determines whether the insured is in danger (step S127). The way of judging whether the insured is in danger is as described in step S111.
在要保人已得标时，若被保险人未出险，则进行步骤S121；若被保险人出险，则由保险金给付操作模块412结算要保人的投资管理帐户的总得标金经投资的资产净值、及结算该资产净值在扣除生死合险保险给付后的红利(步骤S129)。When the proposer has won the bid, if the insured is not out of danger, then proceed to step S121; if the insured is out of danger, then the insurance payout operation module 412 settles the total bidding money of the proposer's investment management account through investment Net asset value, and settlement of the net asset value after deducting life and death insurance benefits (step S129).
当红利为正值时，由保险金给付操作模块412给付生死合险保险给付及红利给受益人，当红利为负值或零时，由保险金给付操作模块412给付生死合险保险给付给受益人(步骤S131)。When the bonus is positive, the insurance payment operation module 412 pays the life and death insurance payment and bonus to the beneficiary; when the bonus is negative or zero, the insurance payment operation module 412 pays the life and death insurance payment to the beneficiary people (step S131).
当由受益人或要保人领取生死合险保险给付及/或红利时，终止互助式生死合险保单的契约(步骤S133)。When the beneficiary or proposer receives the life and death insurance payment and/or bonus, the contract of the mutual life and death insurance policy is terminated (step S133 ).
下文说明一实施例，同时参考图1及图2，以说明本发明的互助式生死合险的方法与系统的实施方式。An embodiment will be described below, with reference to FIG. 1 and FIG. 2 , to illustrate the implementation of the mutual life-and-death insurance method and system of the present invention.
老吴欲购买由本发明所提出的互助式生死合险的保险商品，于是由电子凭证核发机构403接受老吴申请电子凭证，在老吴提供基本数据给电子凭证核发机构403并经审核后，电子凭证核发机构403给予老吴的电子凭证，以作为老吴身份认证的用(步骤S101)。Lao Wu wants to purchase the insurance product of the mutual life-and-death insurance proposed by the present invention, so the electronic certificate issuing agency 403 accepts Lao Wu's application for an electronic certificate. The credential issuing agency 403 gives Lao Wu an electronic credential for identity verification of Lao Wu (step S101).
然后，由线上保单购买操作模块405接收老吴藉由终端机401在线上登录其电子凭证，以进入互助式生死合险系统402并进行互助式生死合险保单的购买操作(步骤S102)。其中，该互助式生死合险保单包含一具有一竞标期限、一竞标期数及一总会款的竞标交易组合。Then, the online insurance policy purchase operation module 405 receives Lao Wu's online login of his electronic certificate through the terminal 401 to enter the mutual life-and-death insurance system 402 and purchase the mutual-aid life-and-death insurance policy (step S102). Wherein, the mutual life and death insurance policy includes a bidding transaction combination with a bidding period, a bidding period and a general payment.
由线上保单购买操作模块405审核老吴的基本数据及老吴缴交保费后，由线上保单购买操作模块405核发互助式生死合险保单的电子保单(步骤S103)。老吴在保险公司核保后所选择购买的互助式生死合险保单的保险契约如下：After the online insurance policy purchase operation module 405 reviews Lao Wu's basic data and Lao Wu pays the premium, the online insurance policy purchase operation module 405 approves and issues the electronic insurance policy of mutual 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 underwriting by the insurance company is as follows:
老吴购买本保单即取得一生死合险的保障，另取得一储蓄或募集资金扩大投资的机会。若老吴在竞标期间进行储蓄(即在竞标期间老吴未得标而缴交经保险金给付操作模块412所结算的存款金额)(步骤S105、S107及S109)，则在互助式生死合险保单到期的前，保险金给付操作模块412判断老吴发生出险事件(即死亡或全残等理赔发生事件)(步骤S111)，则不论老吴缴交多少期保费及存款金额，受益人小吴都可取得由保险金给付操作模块412所给付的72万元的生死合险保险给付(步骤S113)。之后，终止互助式生死合险保单的契约(步骤S133)。When Mr. Wu purchased this policy, he obtained the protection of life-and-death insurance, and also obtained an opportunity to save or raise funds to expand investment. If Lao Wu saves during the bidding period (that is, during the bidding period, Lao Wu fails to win the bid and pays the deposit amount settled by the insurance payment operation module 412) (steps S105, S107 and S109), then in the mutual life and death insurance Before the policy expires, the insurance payment operation module 412 judges that Lao Wu has an accident (that is, a claim event such as death or total disability) (step S111), then no matter how much premium and deposit amount Lao Wu pays, the beneficiary is small Wu Du can obtain the 720,000 yuan life-and-death insurance payment paid by the insurance payment operation module 412 (step S113). Afterwards, the contract of the mutual life and death insurance policy is terminated (step S133).
若老吴未竞标，在储蓄到期(亦即在最后一会期自然得标)后(步骤S105及S107)，保险金给付操作模块412将所有会期的存款金额外加利息(亦即上述的计算式(1)所计算的总得标金)计算并交割以存入老吴的投资管理帐户(步骤S115)。If Lao Wu did not bid, after the deposit expires (that is, he naturally wins the bid in the last session) (steps S105 and S107), the insurance payment operation module 412 will add interest to the deposit of all sessions (that is, the above calculation formula (1) The calculated total bidding price) is calculated and delivered to be deposited into Lao Wu's investment management account (step S115).
由于老吴在互助式生死合险保单到期时没有出险(步骤S121)，所以老吴可取得72万元的生死合险保险给付(步骤S123及S125)，此即互助式生死合险的理赔给付原则。之后，终止互助式生死合险保单的契约(步骤S133)。Since Mr. Wu was not in danger when the mutual-aid life-and-death insurance policy expired (step S121), Lao Wu could obtain a life-and-death insurance payment of 720,000 yuan (steps S123 and S125), which is the claim settlement of the mutual-aid life-and-death insurance Payment principle. Afterwards, the contract of the mutual life and death insurance policy is terminated (step S133).
在此，假设老吴于竞标期间的前两年皆进行储蓄而未竞标(步骤S105)，假设此两年期间内，互助式存借平台竞标模块407的各会期得标金额为1,000元(步骤S107)，即老吴于前24期在缴交保险费500元的外，在各会期需缴交存款金额9,000元(10,000-1,000)(如上述计算式(5))于老吴的个人帐户以进行储蓄(步骤S109)。Here, it is assumed that Lao Wu saved in the first two years of the bidding period and did not bid (step S105), assuming that during this two-year period, the bid amount for each session of the mutual deposit and lending platform bidding module 407 is 1,000 yuan (step S105). S107), that is, in addition to paying the insurance premium of 500 yuan in the first 24 periods, Lao Wu needs to pay a deposit amount of 9,000 yuan (10,000-1,000) (as in the above calculation formula (5)) to Lao Wu's personal account in each session to deposit (step S109).
若老吴于第三年初(即第25期)向互助式生死合险系统402参与竞标，而互助式存借平台竞标模块407决定老吴以标金1,200元得标(步骤S105)，由保险金给付操作模块412结算老吴可得到662,400元(8,800*48+10,000*24)的总得标金(如上述计算式(1))(步骤S115)。投资管理操作模块409提供各种投资标的以供老吴选择，而此总得标金根据老吴所选择的投资标的进行投资(步骤S117)。老吴将在得标之后的各会期需偿还10,000元的还款金额(如上述计算式(3))。If Lao Wu participates in the bidding with the mutual life-and-death insurance system 402 at the beginning of the third year (that is, the 25th period), and the bidding module 407 of the mutual deposit and loan platform decides that Lao Wu wins the bid with a bidding price of 1,200 yuan (step S105), and the insurance money will be paid The operation module 412 settles Lao Wu and can get a total bid of 662,400 yuan (8,800*48+10,000*24) (such as the above calculation formula (1)) (step S115). The investment management operation module 409 provides various investment targets for Mr. Wu to choose, and the total bidding money is invested according to the investment targets selected by Mr. Wu (step S117). Lao Wu will have to repay the repayment amount of 10,000 yuan in each session after winning the bid (as shown in the above calculation formula (3)).
天有不测风云，若老吴于购买互助式生死合险保单后第三年不幸身故(步骤S127)，小吴(受益人)可向保险公司进行保险理赔请求，而保险公司将申请理赔结果藉由保险公司理赔操作系统404通知保险金给付操作模块412，保险金给付操作模块(412)结算老吴的总得标金经投资后的资产净值。若这一年投资绩效良好，有10％的报酬率，保险金给付操作模块(412)结算资产净值在扣除生死合险保险给付后的红利(步骤S129)，依据互助式生死合险保单的条件，受益人小吴将可取得投资收益的90％分红，即取得7,776元((662,400*110％-720,000)*90％)的分红。因此，保险金给付操作模块412给付生死合险保险给付720,000元加上红利7,776元共727,776元给小吴(步骤S131)，小吴即可因为老吴当初弃传统生死合险而选择本互助式生死合险而取得超过72万的保障。之后，终止互助式生死合险保单的契约(步骤S133)。In case of unforeseen circumstances, if Mr. Wu unfortunately dies in the third year after purchasing the mutual life and death insurance policy (step S127), Xiao Wu (the beneficiary) can apply to the insurance company for insurance claims, and the insurance company will apply for the result of the claim The insurance benefit payment operation module 412 is notified by the insurance company's claim settlement operating system 404, and the insurance benefit payment operation module (412) settles the net asset value of Lao Wu's total bidding money after investment. If this year's investment performance is good, there is a rate of return of 10%, and the insurance benefit payment operation module (412) settles the net asset value after deducting the bonus of the life and death joint insurance insurance payment (step S129), according to the conditions of the mutual aid type life and death joint insurance policy , the beneficiary Xiao Wu will receive 90% of the investment income as a dividend, that is, a dividend of 7,776 yuan ((662,400*110%-720,000)*90%). Therefore, the insurance benefit payment operation module 412 pays 720,000 yuan of life and death insurance benefits plus 7,776 yuan of dividends to Xiao Wu (step S131). The life and death insurance has obtained more than 720,000 protection. Afterwards, the contract of the mutual life and death insurance policy is terminated (step S133).
另外，若老吴六年的保险期限内皆无出险事故，而在进行投资的四年中也稳定取得10％的年报酬率，则在保单到期时，经保险金给付操作模块412结算老吴的资产净值与红利(步骤S123)，保险金给付操作模块412需给付老吴生死合险保险给付与红利共944,838元(720,000+[662,400*(1+10％)^4-720,000]*90％)。由此可知，本发明所提供的互助式生死合险确可提供优于传统生死合险的保障。In addition, if Lao Wu has no accidents during the six-year insurance period, and has steadily obtained an annual rate of return of 10% during the four years of investment, then when the policy expires, the insurance payment operation module 412 will settle the old Wu’s net asset value and dividends (step S123), the insurance benefit payment operation module 412 needs to pay Lao Wu life and death insurance benefits and dividends totaling 944,838 yuan (720,000+[662,400*(1+10%)^4-720,000]*90 %). It can be seen from this that the mutual-aid life-and-death insurance provided by the present invention can indeed provide protection better than traditional life-and-death insurance.
虽然本发明已参照较佳实施例及举例性附图叙述如上，但其应不被视为是限制性。本领域人员对其形态及实施例的内容做各种修改、省略及变化，均不离开本发明的范围。Although the present invention has been described above with reference to preferred embodiments and illustrative drawings, it should not be viewed as limiting. Those skilled in the art may make various modifications, omissions and changes to the configuration and the contents of the embodiments without departing from the scope of the present invention.
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI447663B (en)* | 2011-12-12 | 2014-08-01 | ||
| CN107545506A (en)* | 2016-06-23 | 2018-01-05 | 马梅铨 | Mutual-aid type insurance method and mutual-aid type insurance system |
| CN108805728A (en)* | 2018-06-14 | 2018-11-13 | 户永召 | A method of it throws platform based on being helped by your kind effort and subsidizes the people of much-needed money |
| CN108985855A (en)* | 2018-08-01 | 2018-12-11 | 中国建设银行股份有限公司 | A kind of determination method and system of contract information |
- 2009
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TWI447663B (en)* | 2011-12-12 | 2014-08-01 | ||
| CN107545506A (en)* | 2016-06-23 | 2018-01-05 | 马梅铨 | Mutual-aid type insurance method and mutual-aid type insurance system |
| CN108805728A (en)* | 2018-06-14 | 2018-11-13 | 户永召 | A method of it throws platform based on being helped by your kind effort and subsidizes the people of much-needed money |
| CN108985855A (en)* | 2018-08-01 | 2018-12-11 | 中国建设银行股份有限公司 | A kind of determination method and system of contract information |
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