Process Apparatus and Mutual Insurance Method Performed by the Process Apparatus

• US 20090228308A1
• Filed: 03/04/2009
• Published: 09/10/2009
• Est. Priority Date: 03/05/2008
• Status: Active Grant

• Current Assignee: Shacom.com Inc
• Original Assignee: Shacom.com Inc
• Inventors: Ling, Frank Kuen-Bao, Chien, Yung-Sung
• Granted Patent: US 8,190,454 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

A process apparatus and a mutual insurance method performed by the process apparatus are provided. The process apparatus is connected to a database storing a basic insurance group, receives a basic insurance application of an applicant, generates basic policy information of the applicant according to the basic insurance group and the basic insurance application and stores the basic policy information in the database. The process apparatus further calculates a current basic insurance premium of the applicant according to the basic policy information and a current death number corresponding to the basic insurance group. The process apparatus further transmits the current basic insurance premium to the applicant. Thereby, the process and security of the insurance are simplified and improved respectively.

Claims

1. A mutual insurance method performed by a process apparatus, the process apparatus being connected to a database storing a basic insurance group, the mutual insurance method comprising the following steps of:

(a) enabling the process apparatus to receive a basic insurance application of an applicant;

(b) enabling the process apparatus to confirm that a number of applicants of the basic insurance group is smaller than a number of mutual-aid persons of the basic insurance group;

(c) enabling the process apparatus to, subsequent to the step (b), generate basic policy information of the applicant according to the basic insurance group and the basic insurance application;

(d) enabling the process apparatus to store the basic policy information in the database;

(e) enabling the process apparatus to, subsequent to the step (c), confirm that the number of applicants of the basic insurance group is equal to the number of mutual-aid persons recorded of the basic insurance group;

(f) enabling the process apparatus to calculate a current basic insurance premium of a policyholder according to the basic policy information and a current death number corresponding to the basic insurance group; and

(g) enabling the process apparatus to notify the policyholder of the current basic insurance premium.

2. The mutual insurance method as claimed in claim 1, wherein the database stores a plurality of basic policy information corresponding to the basic insurance group respectively, each of the basic policy information records a name of an mutual-aid person, the basic insurance group further records a unit insurance premium amount, and the mutual insurance method further comprises the following steps of:

enabling the process apparatus to, prior to the step (f), receive at least one death information during a time period, each of the at least one death information recording a dead person'"'"'s name, and each of the at least one dead person'"'"'s name being consistent with one of the names of the mutual-aid persons;

enabling the process apparatus to, prior to the step (f), calculate a number of the at least one death information as the current death number; and

enabling the process apparatus to, prior to the step (f), determine that the name of the mutual-aid person of the basic policy information corresponding to the applicant is inconsistent with any of the at least one dead person'"'"'s name;

wherein the step (f) is to enable the process apparatus to multiply the unit insurance premium amount with the current death number as the current basic insurance premium that the policyholder shall pay.

3. The mutual insurance method as claimed in claim 1, wherein the database stores a plurality of basic policy information corresponding to the basic insurance group respectively, each of the basic policy information records a name of an mutual-aid person, the basic insurance group further records an deferred period and a compensation amount, the basic policy information of the applicant records a name of a beneficiary, and the mutual insurance method further comprises the following steps of:

enabling the process apparatus to, prior to the step (f), receive at least one death information during a time period, each of the at least one death information recording a dead person'"'"'s name, and each of the at least one dead person'"'"'s name being consistent with one of the names of the mutual-aid persons;

enabling the process apparatus to, prior to the step (f), calculate a number of the at least one death information as the current death number;

enabling the process apparatus to, prior to the step (f), determine that the name of the mutual-aid person of the basic policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name; and

enabling the process apparatus to determine that a number of terms that the applicant has participated is shorter than the deferred period;

wherein the step (f) is to enable the process apparatus to add an insurance premium amount, paid by the policyholder, to the compensation amount as a claim payment amount that the beneficiary shall receive.

4. The mutual insurance method as claimed in claim 1, wherein the database stores a plurality of basic policy information corresponding to the basic insurance group respectively, each of the basic policy information records a name of an mutual-aid person, the basic insurance group further records an deferred period and a gross insurance premium amount, the basic policy information of the applicant records a name of a beneficiary, and the mutual insurance method further comprises the following steps of:

enabling the process apparatus to, prior to the step (f), receive at least one death information during a time period, each of the at least one death information recording a dead person'"'"'s name, and each of the at least one dead person'"'"'s name being consistent with one of the names of the mutual-aid persons;

enabling the process apparatus to, prior to the step (f), calculate a number of the at least one death information as the current death number;

enabling the process apparatus to, prior to the step (f), determine that the name of the mutual-aid person of the basic policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name; and

enabling the process apparatus to determine that a number of terms that the applicant has participated is longer than the deferred period;

wherein the step (f) is to enable the process apparatus to set the gross insurance premium amount as the claim payment amount that the beneficiary shall receive.

5. The mutual insurance method as claimed in claim 1, wherein the database further stores an advanced insurance group, the mutual insurance method further comprises the following steps of:

(h) enabling the process apparatus to receive an advanced insurance application of the applicant;

(i) enabling the process apparatus to confirm that a number of applicants of the advanced insurance group is smaller than a number of mutual-aid persons of the advanced insurance group, wherein the applicant in the waiting list entitles to participate the basic insurance group;

(j) enabling the process apparatus to generate advanced policy information of the applicant according to the advanced insurance group and the advanced insurance application;

(k) enabling the process apparatus to store the advanced policy information in the database;

(l) enabling the process apparatus to, subsequent to the step (j), confirm that the number of applicants of the advanced insurance group is equal to the number of mutual-aid persons recorded in the advanced insurance group;

(m) enabling the process apparatus to calculate a current advanced insurance premium of the policyholder according to the advanced policy information and a current death number corresponding to the advanced insurance group; and

(n) enabling the process apparatus to notify the policyholder of the current advanced insurance premium;

wherein the number of mutual-aid persons of the advanced insurance group is smaller than the number of mutual-aid persons of the advanced insurance group.

6. The mutual insurance method as claimed in claim 5, wherein the database stores a plurality of advanced policy information corresponding to the advanced insurance group respectively, each of the advanced policy information records a name of an mutual-aid person, the advanced insurance group further records a unit insurance premium amount, and the mutual insurance method further comprises the following steps of:

enabling the process apparatus to, prior to the step (m), receive at least one death information during the time period, each of the at least one death information recording a dead person'"'"'s name, and each of the at least one dead person'"'"'s name being consistent with one of the names of the mutual-aid persons;

enabling the process apparatus to, prior to the step (m), calculate a number of the at least one death information as the current death number corresponding to the advanced insurance group; and

enabling the process apparatus to, prior to the step (m), determine that the name of the mutual-aid person of the advanced policy information corresponding to the applicant is inconsistent with any of the at least one dead person'"'"'s name;

wherein the step (m) is to enable the process apparatus to multiply the unit insurance premium amount of the advanced insurance group with the current death number corresponding to the advanced insurance group as the current advanced insurance premium that the policyholder participating the advanced insurance shall pay.

7. The mutual insurance method as claimed in claim 5, wherein the database stores a plurality of advanced policy information corresponding to the advanced insurance group respectively, each of the advanced policy information records a name of an mutual-aid person, the advanced insurance group further records an deferred period and a compensation amount, the advanced policy information of the applicant records a name of a beneficiary, and the mutual insurance method further comprises the following steps of:

enabling the process apparatus to, prior to the step (m), receive at least one death information during the time period, each of the at least one death information recording a dead person'"'"'s name, and each of the at least one dead person'"'"'s name being consistent with one of the names of the mutual-aid persons;

enabling the process apparatus to, prior to the step (m), calculate a number of the at least one death information as the current death number corresponding to the advanced insurance group;

enabling the process apparatus to, prior to the step (m), determine that the name of the mutual-aid person of the advanced policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name; and

enabling the process apparatus to determine that a number of terms that the applicant has participated for the advanced insurance group is shorter than the deferred period of the advanced insurance group;

wherein the step (m) is to enable the process apparatus to add an advanced insurance premium amount paid by the policyholder to the compensation amount as a claim payment amount that the beneficiary shall receive.

8. The mutual insurance method as claimed in claim 5, wherein the database stores a plurality of advanced policy information corresponding to the advanced insurance group respectively, each of the advanced policy information records a name of an mutual-aid person, the advanced insurance group further records an deferred period and a gross insurance premium amount, the advanced policy information of the applicant records a name of a beneficiary, and the mutual insurance method further comprises the following steps of:

enabling the process apparatus to, prior to the step (m), receive at least one death information during the time period, each of the at least one death information recording a dead person'"'"'s name, and each of the at least one dead person'"'"'s name being consistent with one of the names of the mutual-aid persons;

enabling the process apparatus to, prior to the step (m), calculate a number of the at least one death information as the current death number corresponding to the advanced insurance group;

enabling the process apparatus to, prior to the step (m), determine that the name of the mutual-aid person of the advanced policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name; and

enabling the process apparatus to determine that a number of terms that the applicant has participated for the advanced insurance group is longer than the deferred period of the advanced insurance group;

wherein the step (m) is to enable the process apparatus to set the gross insurance premium amount of the advanced insurance group as the claim payment amount that the beneficiary shall receive.

9. The mutual insurance method as claimed in claim 1, further comprising the following steps of:

enabling the process apparatus to receive a policy transaction application of the policyholder, the policy transaction application indicating that the policyholder attempts to transact the basic policy information;

enabling the process apparatus to receive at least one bidding price;

enabling the process apparatus to choose the highest one of the at least one bidding price;

enabling the process apparatus to set a bidder, corresponding to the highest bidding price, as a bid winner; and

enabling the process apparatus to set the applicant, corresponding to the basic policy information, as the bid winner.

10. The mutual insurance method as claimed in claim 5, further comprising the following steps of:

enabling the process apparatus to receive a policy transaction application of the policyholder, the policy transaction application indicating that the policyholder attempts to transact the advanced policy information;

enabling the process apparatus to receive at least one bidding price;

enabling the process apparatus to choose the highest one of the at least one bidding price;

enabling the process apparatus to set a bidder corresponding to the highest bidding price as a bid winner; and

enabling the process apparatus to set the applicant, corresponding to the advanced policy information, as the bid winner.

11. A process apparatus, being connected to a database storing a basic insurance group, and the process apparatus comprising:

a transceiver, being configured to receive a basic insurance application of an applicant;

a generation module, being configured to generate basic policy information of the applicant according to the basic insurance group and the basic insurance application, and store the basic policy information in the database;

a verification module, being configured to, before the generation module generates the basic policy information, confirm that a number of applicants of the basic insurance group is smaller than a number of mutual-aid persons recorded in the basic insurance group and, after the generation module generates the basic policy information, confirm that the number of applicants of the basic insurance group is equal to the number of mutual-aid persons recorded in the basic insurance group; and

a calculation module, being configured to calculate a current basic insurance premium of a policyholder according to the basic policy information and a current death number corresponding to the basic insurance group;

wherein the transceiver is further configured to transmit the current basic insurance premium to the policyholder.

12. The process apparatus as claimed in claim 11, wherein the database further stores a plurality of basic policy information corresponding to the basic insurance group respectively, each of the basic policy information records a name of an mutual-aid person, the basic insurance group further records a unit insurance premium amount, the transceiver is further configured to, before the calculation module performs the calculation, receive at least one death information during a time period, each of the at least one death information records a dead person'"'"'s name, each of the at least one dead person'"'"'s name is consistent with one of the names of the mutual-aid persons, the calculation module is further configured to calculate a number of the at least one death information as the current death number, the verification module is further configured to, before the calculation module performs the calculation, determine that the name of the mutual-aid person of the basic policy information corresponding to the applicant is inconsistent with any of the at least one dead person'"'"'s name, and the calculation module is configured to multiply the unit insurance premium amount with the current death number as the current basic insurance premium that the policyholder shall pay.

13. The process apparatus as claimed in claim 11, wherein the database further stores a plurality of basic policy information corresponding to the basic insurance group respectively, each of the basic policy information records a name of an mutual-aid person, the basic insurance group further records an deferred period and a compensation amount, the basic policy information of the applicant records a name of a beneficiary, the transceiver is further configured to, before the calculation module performs the calculation, receive at least one death information during a time period, each of the at least one death information records a dead person'"'"'s name, each of the at least one dead person'"'"'s name is consistent with one of the names of the mutual-aid persons, the calculation module is further configured to calculate a number of the at least one death information as the current death number, the verification module is further configured to, before the calculation module performs the calculation, determine that the name of the mutual-aid person of the basic policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name and that a number of terms that the applicant has participated is shorter than the deferred period, the calculation module is further configured to add an insurance premium amount paid by the policyholder to the compensation amount as a claim payment amount that the beneficiary shall receive.

14. The process apparatus as claimed in claim 11, wherein the database further stores a plurality of basic policy information corresponding to the basic insurance group respectively, each of the of basic policy information records a name of an mutual-aid person, the basic insurance group further records an deferred period and a gross insurance premium amount, the basic policy information of the applicant records a name of a beneficiary, the transceiver is further configured to, before the calculation module performs the calculation, receive at least one death information during a time period, each of the at least one death information records a dead person'"'"'s name, each of the at least one dead person'"'"'s name is consistent with one of the names of the mutual-aid persons, the calculation module is further configured to calculate a number of the at least one death information as the current death number, the verification module is further configured to, before the calculation module performs the calculation, determine that the name of the mutual-aid person of the basic policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name and that a number of terms that the applicant has participated is longer than the deferred period, and the calculation module is further configured to set the gross insurance premium amount as the claim payment amount that the beneficiary shall receive.

15. The process apparatus as claimed in claim 11, wherein the database further stores a advanced insurance group:

the transceiver is further configured to receive a advanced insurance application of the applicant;

the generation module is further configured to generate advanced policy information of the applicant according to the advanced insurance group and the advanced insurance application and store the advanced policy information in the database;

the verification module is further configured to, after the generation module generates the advanced policy information, confirm that a number of applicants of the advanced insurance group is equal to a number of mutual-aid persons recorded in the advanced insurance group; and

the calculation module is further configured to calculate a current advanced insurance premium of the policyholder according to the advanced policy information and a current death number corresponding to the advanced insurance group;

wherein the verification module is further configured to, before the generation module generates the advanced policy information, confirm that the number of applicants of the advanced insurance group is smaller than the number of mutual-aid persons recorded in the advanced insurance group, the transceiver is further configured to transmit the current advanced insurance premium to the policyholder, and the number of mutual-aid persons of the advanced insurance group is smaller than the number of mutual-aid persons of the advanced insurance group.

16. The process apparatus as claimed in claim 15, wherein the database further stores a plurality of advanced policy information corresponding to the advanced insurance group respectively, each of the of advanced policy information records a name of an mutual-aid person, the advanced insurance group further records a unit insurance premium amount, the transceiver is further configured to receive at least one death information during the time period, each of the at least one death information records a dead person'"'"'s name, each of the at least one dead person'"'"'s name is consistent with one of the names of the mutual-aid persons, the calculation module is further configured to calculate a number of the at least one death information as the current death number corresponding to the advanced insurance group, the verification module is further configured to, before the calculation module performs the calculation, determine that the name of the mutual-aid person of the advanced policy information corresponding to the applicant is inconsistent with any of the at least one dead person'"'"'s name, and the calculation module is configured to multiply the unit insurance premium amount of the advanced insurance group with the current death number corresponding to the advanced insurance group as the current advanced insurance premium that the policyholder participating the advanced insurance shall pay.

17. The process apparatus as claimed in claim 15, wherein the database further stores a plurality of advanced policy information corresponding to the advanced insurance group respectively, each of the advanced policy information records a name of an mutual-aid person, the advanced insurance group further records an deferred period and a compensation amount, the advanced policy information of the applicant records a name of a beneficiary, the transceiver is further configured to receive at least one death information during the time period, each of the at least one death information records a dead person'"'"'s name, each of the at least one dead person'"'"'s name is consistent with one of the names of the mutual-aid persons, the calculation module is further configured to calculate a number of the at least one death information as the current death number corresponding to the advanced insurance group, the verification module is further configured to, before the calculation module performs the calculation, determine that the name of the mutual-aid person of the advanced policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name and that a number of terms that the applicant has participated for the advanced insurance group is shorter than the deferred period of the advanced insurance group, and the calculation module is further configured to add an advanced insurance premium amount paid by the policyholder to the compensation amount of the advanced insurance group as a claim payment amount that the beneficiary shall receive.

18. The process apparatus as claimed in claim 15, wherein the database further stores a plurality of advanced policy information corresponding to the advanced insurance group respectively, each of the advanced policy information records a name of an mutual-aid person, the advanced insurance group further records an deferred period and a gross insurance premium amount, the advanced policy information of the applicant records a name of a beneficiary, the transceiver is further configured to receive at least one death information during the time period, each of the at least one death information records a dead person'"'"'s name, each of the at least one dead person'"'"'s name is consistent with one of the names of the mutual-aid persons, the calculation module is further configured to calculate a number of the at least one death information as the current death number corresponding to the advanced insurance group, the verification module is further configured to, before the calculation module performs the calculation, determine that the name of the mutual-aid person of the advanced policy information corresponding to the applicant is consistent with one of the at least one dead person'"'"'s name and that a number of terms that the applicant has participated for the advanced insurance group is longer than the deferred period of the advanced insurance group, and the calculation module is configured to set the gross insurance premium amount of the advanced insurance group as the claim payment amount that the beneficiary shall receive.

19. The process apparatus as claimed in claim 11, wherein:

the transceiver is further configured to receive a policy transaction application from the applicant and at least one bidding price, the policy transaction application indicates that the policyholder attempts to transact the basic policy information; and

the verification module is further configured to choose the highest one of the at least one bidding price, set a bidder corresponding to the highest bidding price as a bid winner and set the applicant corresponding to the basic policy information as the bid winner.

20. The process apparatus as claimed in claim 15, wherein:

the transceiver is further configured to receive a policy transaction application from the applicant and at least one bidding price, the policy transaction application indicates that the policyholder attempts to transact the advanced policy information; and

the verification module is further configured to choose the highest one of the at least one bidding price, set a bidder corresponding to the highest bidding price as a bid winner and set the applicant corresponding to the advanced policy information as the bid winner.