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1.发明申请Process Apparatus and Mutual Insurance Method Performed by the Process Apparatus 有权过程设备和相互保险方法由过程设备执行公开(公告)号：US20090228308A1
公开(公告)日：2009-09-10
申请号：US12397582
申请日：2009-03-04
IPC分类号： G06Q40/00
摘要： 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.
摘要翻译： 提供了由处理装置执行的处理装置和相互保险方法。 处理装置连接到存储基本保险组的数据库，接收申请人的基本保险申请，根据基本保险组和基本保险申请生成申请人的基本政策信息，并将基本保险信息存储在数据库中 。 处理装置还根据基本保险信息和对应于基本保险组的当前死亡号码进一步计算申请人的当前基本保险费。 处理装置还向申请人发送当前的基本保险费。 从而分别简化和改进了保险的流程和安全性。
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2.发明授权Process apparatus and mutual insurance method performed by the process apparatus 有权由处理装置执行的处理装置和相互保险方法公开(公告)号：US08190454B2
公开(公告)日：2012-05-29
申请号：US12397582
申请日：2009-03-04
IPC分类号： G06Q40/00
摘要： 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.
摘要翻译： 提供了由处理装置执行的处理装置和相互保险方法。 处理装置连接到存储基本保险组的数据库，接收申请人的基本保险申请，根据基本保险组和基本保险申请生成申请人的基本政策信息，并将基本保险信息存储在数据库中 。 处理装置还根据基本保险信息和对应于基本保险组的当前死亡号码进一步计算申请人的当前基本保险费。 处理装置还向申请人发送当前的基本保险费。 从而分别简化和改进了保险的流程和安全性。
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公开(公告)号：US08086475B2
公开(公告)日：2011-12-27
申请号：US12116952
申请日：2008-05-07
IPC分类号： G06Q40/00
摘要： A method for providing investment insurance, and a related system, for use in the insurance business of financial e-commerce provides a novel funding operation approach to investment insurance. The novel funding operation approach allows a user to select to expand credit, and increase return on investment, or select to deposit with zero risk. The system for investment insurance allows insurance companies to receive a surrender fee and eliminate interest risk, and the applicant may expand their credit to increase their return on investment for enhanced protection of their insurance policy.
摘要翻译： 提供投资保险的方法和相关制度，用于金融电子商务保险业务，为投资保险提供了一种新颖的资金运作方式。 新颖的资金运作方式允许用户选择扩大信贷，增加投资回报率，或选择以零风险进行存款。 投资保险制度允许保险公司收取投降费用，消除利益风险，申请人可以扩大信贷额度，增加投资回报率，加强对保险的保护。
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公开(公告)号：US20090063199A1
公开(公告)日：2009-03-05
申请号：US12203107
申请日：2008-09-02
IPC分类号： G06Q40/00
摘要： A marriage obligation fulfillment insurance method and system is implemented in the marriage insurance area of financial e-commerce. An insurance company using the method and system to incorporate a bid platform can remove interest risk and earn a service charge. The policy owner can expand his credit and investment during the insurance period of a marriage insurance contract set up with the insurance company. The marriage insurance contract will refrain the policy owner from getting divorced.
摘要翻译： 金融电子商务婚姻保险领域实行婚姻履行保险的方式和制度。 使用该方法和系统并入投标平台的保险公司可以消除利息风险并获得服务费。 保险业主可以在与保险公司设立的婚姻保险合同的保险期内扩大信用和投资。 婚姻保险合同将不让政策所有者离婚。
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公开(公告)号：US20090112636A1
公开(公告)日：2009-04-30
申请号：US12262926
申请日：2008-10-31
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q20/102 , G06Q40/04 , G06Q40/08
摘要： An investment-linked insurance apparatus and method are provided. The investment-linked insurance apparatus comprises an insurance process module, a cash flow module, a credit evaluation module, a bid process module, and a database. The insurance process module receives an insurance request of an applicant. The cash flow module receives a payment of a premium of the applicant. The credit evaluation module determines whether a credit line of the applicant is greater than the predetermined amount. The insurance process module issues an investment-linked policy of the applicant in response to the payment. The bid process module receives a placed bid of a current bid term of the applicant and calculates a predetermined bid of the current bid term. By the investment-linked insurance apparatus and method, an applicant can buy the investment-linked policy in a user-friendly environment.
摘要翻译： 提供了投资联动的保险设备和方法。 投资保险机构包括保险处理模块，现金流量模块，信用评估模块，投标处理模块和数据库。 保险程序模块收到申请人的保险请求。 现金流量模块收到申请人的保险费。 信用评估模块确定申请人的信用额度是否大于预定量。 保险过程模块发出申请人的投资相关政策以回应付款。 投标处理模块接收申请人当前投标期限的投标，并计算当前投标期限的预定投标。 通过投资联动的保险设备和方法，申请人可以在用户友好的环境中购买与投资相关的政策。
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公开(公告)号：US20090099977A1
公开(公告)日：2009-04-16
申请号：US12250544
申请日：2008-10-14
IPC分类号： G06Q40/00
摘要： Method performed by an annuity contract system includes managing a bid module according to participation of a user; before the user starts to pay premiums according to an annuity contract, generating a premium amount through the bid module and a investment management module; and at an end of premium terms as specified in the annuity contract, determining an annuity amount according to a remaining asset of the user settled according to the annuity contract, a result of managing the bid module, and a management result of the investment management module.
摘要翻译： 由年金合同系统执行的方法包括根据用户的参与来管理出价模块; 在用户根据年金合同开始支付保费之前，通过投标模块和投资管理模块产生保费金额; 在年金合同规定的溢价期限结束时，根据年金合同结算的用户剩余资产确定年金额，管理投标模块的结果以及投资管理模块的管理结果 。
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公开(公告)号：US20090063198A1
公开(公告)日：2009-03-05
申请号：US12116952
申请日：2008-05-07
IPC分类号： G06Q99/00
摘要： A method for providing investment insurance, and a related system, for use in the insurance business of financial e-commerce provides a novel funding operation approach to investment insurance. The novel funding operation approach allows a user to select to expand credit, and increase return on investment, or select to deposit with zero risk. The system for investment insurance allows insurance companies to receive a surrender fee and eliminate interest risk, and the applicant may expand their credit to increase their return on investment for enhanced protection of their insurance policy.
摘要翻译： 提供投资保险的方法和相关制度，用于金融电子商务保险业务，为投资保险提供了一种新颖的资金运作方式。 新颖的资金运作方式允许用户选择扩大信贷，增加投资回报率，或选择以零风险进行存款。 投资保险制度允许保险公司收取投降费用，消除利益风险，申请人可以扩大信贷额度，增加投资回报率，加强对保险的保护。
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公开(公告)号：US20090089203A1
公开(公告)日：2009-04-02
申请号：US12241014
申请日：2008-09-29
摘要： By creating a self-determined interest rate platform, a trust fund can be transferred on the platform through a bidding process, so that risk oriented consigners can expand their credit to increase their investments, enhancing assurance to a beneficiary. On the contrary, this can increase interest income of discreet consigners through direct low-cost financial transactions. By creating a trust fund transaction platform, individual consignment funds can reflect the cash demand in the money market on the platform, so that the number of participants can increase the strength of marriage trusts and expand the trust fund market.
摘要翻译： 通过建立自主的利率平台，信托基金可以通过招标过程在平台上进行转移，从而使风险导向的发卡人能够扩大信用额度，增加投资，增加对受益人的保障。 相反，这可以通过直接低成本的金融交易增加谨慎的发货人的利息收入。 通过建立信托基金交易平台，个人寄售资金可以反映货币市场在平台上的现金需求，使参与者人数能够增加结婚信托的实力，扩大信托基金市场。
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