公开(公告)号：US08086475B2

公开(公告)日：2011-12-27

申请号：US12116952

申请日：2008-05-07

申请人： Yung-Sung Chien ,  Frank Kuen-Bao Ling

发明人： Yung-Sung Chien ,  Frank Kuen-Bao Ling

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q40/08

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。

公开(公告)号：US08380613B2

公开(公告)日：2013-02-19

申请号：US13073166

申请日：2011-03-28

申请人： Yung-Sung Chien

发明人： Yung-Sung Chien

IPC分类号： G06Q40/00

CPC分类号： G06Q10/067 ,  G06Q40/02 ,  G06Q40/025 ,  G06Q40/04

摘要： A from-IDF-to-DF debt-clearing system and method is disclosed. Internet technology is used to construct a direct-finance fund trading platform, whereby a debtor can raise a fund to clear his debts, especially the debts of credit cards and fiduciary loans. After receiving an application of a debtor, the direct-finance fund trading platform analyzes the credit condition and debt-clearing requirement of the debtor and then assigns a bridge loan to the debtor. After delivering the bridge loan, the platform enters into a fund-trading module to bid for the debtor and clears the bridge loan with the obtained fund, and the debtor pays a contribution amount to the platform periodically.

摘要翻译： 从IDF到DF债务清算系统和方法被公开。 互联网技术被用来构建直接融资基金交易平台，债务人可以筹集资金清偿债务，特别是信用卡和信托贷款的债务。 直接融资基金交易平台收到债务人的申请后，分析债务人的信贷状况和清算清算要求，并向债务人分配桥梁贷款。 交付桥梁贷款后，平台进入基金交易模块，对债务人进行投标，并与获得的资金清算桥梁贷款，债务人定期向平台支付补助金。

公开(公告)号：US08386365B2

公开(公告)日：2013-02-26

申请号：US11947744

申请日：2007-11-29

申请人： Yung-Sung Chien

发明人： Yung-Sung Chien

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q40/04

摘要： An interactive online funding method includes providing an interactive online funding platform, offering an interactive funding activity for a user to participate in the interactive online funding platform, by placing a bid, and comparing the bid price of the user with a threshold price set by the interactive online funding platform. When the bid price is greater than or equal to the threshold price, the method further includes utilizing the interactive online funding platform to perform settlement and liquidation to remit a loan amount to the user according to at least the bid price; when the bid price is lower than the threshold price, the method further includes utilizing the interactive online funding platform to perform settlement and liquidation to receive a deposit amount from the user according to the bid price.

摘要翻译： 互动在线资助方式包括提供互动在线资金平台，为用户提供交互式资金活动，参与互动式在线资金平台，通过投标，并将用户的投标价格与由 互动在线资金平台。 当所述投标价格大于或等于所述阈值价格时，所述方法还包括利用所述交互式在线资金平台进行结算和清算以至少根据所述投标价格向所述用户汇出贷款额; 当出价低于阈值时，该方法还包括利用互动在线资金平台进行结算和清算，以根据投标价从用户那里接收存款金额。

公开(公告)号：US20120221356A1

公开(公告)日：2012-08-30

申请号：US13033690

申请日：2011-02-24

申请人： Hsiao-Ling HSU

发明人： Hsiao-Ling HSU

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00

摘要： A process apparatus and a mutual insurance method for use in the process apparatus are provided. The process apparatus stores the mutual data of a mutual insurance assembly. The mutual data comprises the time weight of a specific period, an insured unit and the standard amount benefit of each mutual member. The process apparatus retrieves a valid insured unit in the specific period from the insured units according to the accident message of an accident member. Then, the process apparatus calculates a benefit, which the accident member may obtain, according to the time weight, the valid insured unit and the standard amount benefit. Whereby, the process and security of the insurance are simplified and improved respectively.

摘要翻译： 提供了一种在处理装置中使用的处理装置和相互保险方法。 处理装置存储互保组件的相互数据。 相互数据包括特定期间的时间权重，被保险单位以及每个相互成员的标准利益。 处理装置根据事故成员的事故信息，在特定期限内从被保险单位检索有效的被保险单位。 然后，处理装置根据时间权重，有效保险单位和标准金额利益，计算事故成员可以获得的利益。 因此，保险的流程和安全性分别简化和提高。

公开(公告)号：US08165902B2

公开(公告)日：2012-04-24

申请号：US12238485

申请日：2008-09-26

申请人： Yung-Sung Chien ,  Kuen-Bao Ling

发明人： Yung-Sung Chien ,  Kuen-Bao Ling

IPC分类号： G06Q40/00

CPC分类号： G06Q40/08 ,  G06Q40/06

摘要： A method and insurance platform for whole life insurance implemented in the insurance field of financial e-commerce is provided. The present invention reflects the interactivity between a consumer and a platform provider in the age of network technology, and creates an insurance platform to enable the consumer to expand his/her credit on the platform and increase investment opportunities according to his/her own risk preference.The present invention provides the insurance platform to replace the savings block of the whole life insurance, such that information symmetry is created between an insurance company and the consumer and the closure of the conventional insurance product is broken to enable the insurance products to compete on the active market of financial products.

摘要翻译： 提供了在金融电子商务保险领域实施的全人寿保险方法和保险平台。 本发明反映了网络技术时代的消费者与平台提供商之间的交互性，并创建了一个保险平台，使消费者能够根据自己的风险偏好扩大他们在平台上的信用额度并增加投资机会 。 本发明提供了一种替代全人寿保险储蓄区的保险平台，使得保险公司与消费者之间形成信息对称性，破坏常规保险产品的关闭，使保险产品能够在 活跃市场的金融产品。