METHOD AND SYSTEM FOR ENDOWMENT INSURANCE AT AUTONOMOUS INTEREST RATES
First Claim
1. A method for endowment insurance at autonomous interest rates, applied in a system for endowment insurance at autonomous interest rates, comprising:
- a proposer logging in to the system for endowment insurance at autonomous interest rates with an electronic certificate, an online policy purchasing operation module of the system for endowment insurance at autonomous interest rates obtaining basic information of the proposer corresponding to the electronic certificate from an electronic certificate issuing institution, and verifying the basic information, and the proposer purchasing an endowment insurance policy at autonomous interest rates provided by the online policy purchasing operation module;
the proposer logging in to the system for endowment insurance at autonomous interest rates and entering a bidding amount to participate in a competitive bidding, a deposit and borrowing platform competitive bidding module at autonomous interest rates of the system for endowment insurance at autonomous interest rates calculating an average deposit interest rate and a borrowing interest rate of the bidding proposer according to the entered bidding amount, and determining a successful bidding amount and a number of successful bidders according to a fund balance of the deposit and borrowing platform competitive bidding module at autonomous interest rates and the borrowing interest rates of the bidding proposer;
an insurance money payment operation module of the system for endowment insurance at autonomous interest rates clearing a total successful bidding amount and a repayment amount according to the successful bidding amount, and clearing a deposit amount according to the average borrowing interest rate and a deposit bid bond of the successful bidding proposer, a highest bidding amount of the unsuccessful bidding proposer, or a benchmark interest rate;
the insurance money payment operation module settling the deposit amount that has been deposited in a personal virtual account of the unsuccessful bidding proposer;
when the proposer does not win the bid, the insurance money payment operation module determining whether an accident happens to an insurant before the endowment insurance policy at autonomous interest rates expires;
when the proposer does not win the bid, the insurance money payment operation module paying endowment insurance proceeds of the endowment insurance policy at autonomous interest rates to a beneficiary if an accident happens to the insurant before the endowment insurance policy at autonomous interest rates expires;
the insurance money payment operation module settling the repayment amount of the successful bidding proposer;
the insurance money payment operation module settling and depositing the total successful bidding amount in an investment management account of the proposer who wins the bid in a current session;
an investment management operation module of the system for endowment insurance at autonomous interest rates providing various investment objectives for the proposer to make an investment of the total successful bidding amount of the investment management account, and publishing an investment objective, an investment profit and loss, and a net asset value corresponding to the investment of the total successful bidding amount;
when the proposer has won the bid, the insurance money payment operation module determining whether the endowment insurance policy at autonomous interest rates expires;
if the endowment insurance policy at autonomous interest rates expires, the insurance money payment operation module clearing the net asset value gained through the investment of the total successful bidding amount of the investment management account of the proposer, and clearing a bonus generated after the endowment insurance payment is deducted from the net asset value;
when the bonus is positive, the insurance money payment operation module paying the endowment insurance payment and the bonus to the proposer;
when the bonus is negative or zero, the insurance money payment operation module paying the endowment insurance payment to the proposer;
if the endowment insurance policy at autonomous interest rates does not expire, the insurance money payment operation module determining whether an accident happens to the insurant when the proposer has won the bid;
when the proposer has won the bid, the insurance money payment operation module clearing the net asset value gained through the investment of the total successful bidding amount of the investment management account of the proposer and clearing the bonus generated after the endowment insurance proceeds are deducted from the net asset value if an accident happens to the insurant; and
when the bonus is positive, the insurance money payment operation module paying the endowment insurance proceeds and the bonus to the beneficiary;
when the bonus is negative or zero, the insurance money payment operation module paying the endowment insurance proceeds to the beneficiary.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and a system for endowment insurance at autonomous interest rates implemented in the insurance field of financial e-commerce are provided, in which endowment insurance funds are operated in a new mode through a deposit and borrowing platform at autonomous interest rates. Thus, an insurance company can avoid bearing interest rate risks, and a consumer earns an interest of direct finance before winning a bid and has opportunities of raising funds and expanding investment after winning the bid, so as to earn higher returns than the conventional endowment insurance in a form of club deposit.
The system for endowment insurance at autonomous interest rates performs various operating procedures of the endowment insurance at autonomous interest rates, including policy purchasing, guaranty and security, funds competitive bidding for the deposit and borrowing platform at autonomous interest rates, investment management, calculation of investment profit and loss, profit sharing, and insurance money payment.
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Citations
22 Claims
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1. A method for endowment insurance at autonomous interest rates, applied in a system for endowment insurance at autonomous interest rates, comprising:
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a proposer logging in to the system for endowment insurance at autonomous interest rates with an electronic certificate, an online policy purchasing operation module of the system for endowment insurance at autonomous interest rates obtaining basic information of the proposer corresponding to the electronic certificate from an electronic certificate issuing institution, and verifying the basic information, and the proposer purchasing an endowment insurance policy at autonomous interest rates provided by the online policy purchasing operation module; the proposer logging in to the system for endowment insurance at autonomous interest rates and entering a bidding amount to participate in a competitive bidding, a deposit and borrowing platform competitive bidding module at autonomous interest rates of the system for endowment insurance at autonomous interest rates calculating an average deposit interest rate and a borrowing interest rate of the bidding proposer according to the entered bidding amount, and determining a successful bidding amount and a number of successful bidders according to a fund balance of the deposit and borrowing platform competitive bidding module at autonomous interest rates and the borrowing interest rates of the bidding proposer; an insurance money payment operation module of the system for endowment insurance at autonomous interest rates clearing a total successful bidding amount and a repayment amount according to the successful bidding amount, and clearing a deposit amount according to the average borrowing interest rate and a deposit bid bond of the successful bidding proposer, a highest bidding amount of the unsuccessful bidding proposer, or a benchmark interest rate; the insurance money payment operation module settling the deposit amount that has been deposited in a personal virtual account of the unsuccessful bidding proposer; when the proposer does not win the bid, the insurance money payment operation module determining whether an accident happens to an insurant before the endowment insurance policy at autonomous interest rates expires; when the proposer does not win the bid, the insurance money payment operation module paying endowment insurance proceeds of the endowment insurance policy at autonomous interest rates to a beneficiary if an accident happens to the insurant before the endowment insurance policy at autonomous interest rates expires; the insurance money payment operation module settling the repayment amount of the successful bidding proposer; the insurance money payment operation module settling and depositing the total successful bidding amount in an investment management account of the proposer who wins the bid in a current session; an investment management operation module of the system for endowment insurance at autonomous interest rates providing various investment objectives for the proposer to make an investment of the total successful bidding amount of the investment management account, and publishing an investment objective, an investment profit and loss, and a net asset value corresponding to the investment of the total successful bidding amount; when the proposer has won the bid, the insurance money payment operation module determining whether the endowment insurance policy at autonomous interest rates expires; if the endowment insurance policy at autonomous interest rates expires, the insurance money payment operation module clearing the net asset value gained through the investment of the total successful bidding amount of the investment management account of the proposer, and clearing a bonus generated after the endowment insurance payment is deducted from the net asset value; when the bonus is positive, the insurance money payment operation module paying the endowment insurance payment and the bonus to the proposer;
when the bonus is negative or zero, the insurance money payment operation module paying the endowment insurance payment to the proposer;if the endowment insurance policy at autonomous interest rates does not expire, the insurance money payment operation module determining whether an accident happens to the insurant when the proposer has won the bid; when the proposer has won the bid, the insurance money payment operation module clearing the net asset value gained through the investment of the total successful bidding amount of the investment management account of the proposer and clearing the bonus generated after the endowment insurance proceeds are deducted from the net asset value if an accident happens to the insurant; and when the bonus is positive, the insurance money payment operation module paying the endowment insurance proceeds and the bonus to the beneficiary;
when the bonus is negative or zero, the insurance money payment operation module paying the endowment insurance proceeds to the beneficiary. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for endowment insurance at autonomous interest rates, comprising:
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an online policy purchasing operation module, for obtaining basic information of a proposer from an external electronic certificate issuing institution of the system for endowment insurance at autonomous interest rates according to an electronic certificate of the proposer, verifying the basic information, and providing an endowment insurance policy at autonomous interest rates for the proposer to select to purchase; a deposit and borrowing platform competitive bidding module at autonomous interest rates, for the proposer to enter a bidding amount to calculate an average deposit interest rate and a borrowing interest rate, and to determine a successful bidding amount and a number of successful bidders according to a fund balance of the deposit and borrowing platform competitive bidding module at autonomous interest rates and the borrowing interest rate; an investment management operation module, for providing various investment objectives for the proposer to make an investment of a total successful bidding amount of an investment management account, and publishing an investment objective, an investment profit and loss, and a net asset value corresponding to the investment of the total successful bidding amount of the investment management account; and an insurance money payment operation module, for clearing the total successful bidding amount and a repayment amount according to the successful bidding amount, clearing a deposit amount according to the average borrowing interest rate and a deposit bid bond, a highest bidding amount, or a benchmark interest rate, settling and depositing the total successful bidding amount in the investment management account, settling the deposit amount that has been deposited in a personal virtual account, and settling the repayment amount paid at each session, and paying endowment insurance proceeds or an endowment insurance payment and/or a bonus to the proposer or a beneficiary according to whether the endowment insurance policy at autonomous interest rates expires and whether an accident happens to an insurant, wherein the bonus is a positive balance generated after the endowment insurance proceeds or the endowment insurance payment are/is deducted from the net asset value gained through the investment of the total successful bidding amount. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification