CN102609855A - Integration pension system for collecting consumption points and converting consumption points into pension and method for same - Google Patents
Integration pension system for collecting consumption points and converting consumption points into pension and method for same Download PDFInfo
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- CN102609855A CN102609855A CN201110415786XA CN201110415786A CN102609855A CN 102609855 A CN102609855 A CN 102609855A CN 201110415786X A CN201110415786X A CN 201110415786XA CN 201110415786 A CN201110415786 A CN 201110415786A CN 102609855 A CN102609855 A CN 102609855A
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Abstract
The invention discloses an integration pension system for collecting consumption points and converting the consumption points into pension and a method for collecting the consumption points and converting the consumption points into the pension. The system device comprises an acquirer platform software system compatible with each network environment, a special server, a sale platform card checking and reading system, a POS (point-of-sale) device, a member pension integration card, etc. The design method comprises the following steps that: a sale platform sends a request for increasing the pension integration to the system according to the integration limit which corresponds to the current consume money after reading information of a member pension card, and the system sends an agreement instruction back to the sale platform and generates new data after checking the identity and the former data, can automatically generate the monthly pension and inform the monthly pension to be gotten monthly after the member reaches 60 years old, and can issue the pension to the member monthly. Years of practice proves that the national social pension system can be well compensated and perfected, so that the purposes and the aims that the consumption and the integration can be carried out before the member reaches to 60 years old, and the free pension and the issue of the pension can be carried out after the member reaches to 60 years old can be achieved.
Description
Technical field
The present invention relates to computer network system special technology field; Particularly relate to a kind of back automatic integration, automatic technology of Internet of things system of calculating and providing of free pension of consuming; Thereby realize the integration endowment system and the method for designing thereof of this unique function of " you (member) consumes before 60 years old, and I support you at (system of the present invention) after 60 years old ".
Background technology
Thoughts research and development after the present situation such as be left to be desired of the increasing the weight of of the ubiquity of the present invention's integration sales promotion in comprehensive current consumption market that is the inventor, the limitation of integration purposes and high wasteness, the populous aging trend of motherland, social pension system form.
Through the investigation of more than ten years and discover: in order to obtain consumer's bigger favor; The various marketing tools of manufacturers emerge in an endless stream; Wherein more outstanding with the member system mode of giving integration especially; But the unicity of accumulated point exchanging approach and purposes, the overdue calcellation of integration, integration can only exchange the big worry that a series of problems such as some unpractical novelties cause wasting all are the puzzlement consumers for, therefore make total mark of consumption to oneself realizing that bigger better value is each consumer's wish.
On the other hand; " being looked after properly in the old age " also is each consumer's maximum wish; But get into the populous nation of aging society as running, how to improve the endowment system that covers the whole society, the social pension problems such as appearance of avoiding " endowment blind area " also are the focuses that the whole world is paid close attention to; And each party in request that " is looked after properly in the old age " also forms the consumer of consumption chain just; Therefore make the interests chain between the two accomplish organically combination through " consumption → integration → endowment "; Thereby facilitate the interests maximization of consumer, manufacturer, government and even entire society to realize that this is more than ten years practice of the present invention's process and the perfect target of pursuing just.
Development along with internet and technology of Internet of things; Make and realize that this wonderful dream becomes possibility; But how designing network edition integration endowment system that is common to the whole nation and even the whole world and the problem that is provided with of supporting the total system operation but is a great problem; Through the actual investigations in market of personnel of the present invention more than ten years with investigate; And under study in many ways, research, design and the effort; Organize many-sided technician to carry out cooperation, realized the breakthrough of this difficult problem finally and try out, through the experimental operation over past ten years and perfect; Prove that the integration that enforcement of the present invention produces in the time of can making the consumer no longer for consumption has any worry and worries about; Also make the consumer solve own " endowment problem " to have obtained the guarantee of feeling at ease, the consumer need not anyly be worried about just accomplished consumption back integration obtain automatically and accumulation, total mark of consumption to the automatic conversion of pension fund, after 60 years old pension automatic granting and pension overall process such as get automatically, realized that really " freely, exempting to worry about " also can realize the wish of supporting parents; Increased " legal endowment insurance " outer double shield together for consumers in general again more, extensive enforcement of the present invention also will be made significant contribution with the harmony of society for the economic construction of country.
Summary of the invention
Technical matters to be solved by this invention is to the Internet application system under the above-mentioned background, particularly to the member of application integration endowment realize from consume integration, again to pension granting and the full-automatic technology of Internet of things solution got.
For solving the problems of the technologies described above, reach " your consumption before 60 years old, after 60 years old I foster you " the robotization purpose of freely supporting parents, the present invention can realize through following technical scheme:
Annotate: except as otherwise noted, the coefficient that is adopted among the present invention is percentage, and time coefficient is that unit is a preferred plan with " year ".
1, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its system and device comprise that receiving single platform software system and system-specific server, sales platform tests card-reading system, POS device, safety protection device, the member accumulating card of supporting parents;
The single platform software of said receipts system comprises as main system:
Sales platform authentication ' unit: the ID that is used to discern each POS system or point of sale POS facility;
The member accumulating card identity information unit of supporting parents: be connected with said sales platform authentication ' unit, be used to accomplish each member's identity information read-write capability;
Pension is adjusted authentication ' unit: be connected with the said member accumulating card identity information unit of supporting parents; Be used to check and calculate member's integration and convert pension fund numerical value to, said Integral Transformation comprises the synthetic and said computing module with pension fund complex functionality of said member's pension fund.
2, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its sales platform authentication ' unit comprises:
Wired and wireless compatible modules: be used to said sales platform authentication ' unit and provide the compatible environment that spider lines inserts or the wireless POS facility insert;
Sales platform is tested card reading module: be used for selling and the authentication integration under the cable network access environment, the automatic integration during also for shopping at network provides applied environment;
Point-of-sale terminal identification module: test card reading module with sales platform and be connected, be used to discern the ID of each POS system or point of sale POS facility.
3, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its member accumulating card identity information unit of supporting parents comprises:
Member's card identification module of supporting parents: be connected with said resident identification card identification module, be used to discern support parents accumulating card and obtain the membership information corresponding of member with its identity;
Resident identification card identification module: the resident identification card chip information that is used to discern and read the member; And be used for member's consumption, integration but member card not with the time effect that can enough I.D.s replaces; This Module Design, its ID card No. also can be logined integration as subsequent use;
Generate writing module: be used for being generated as the new data that produces by the sales platform authentication ' unit member's specific information and writing member card;
Sending module: be connected with said generation writing module, be used for sending to database server to member's latest data, also generate the short message or the mail of latest data automatically and send to the member simultaneously.
4, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its pension is adjusted authentication ' unit and is comprised:
Integration amount of money modular converter: be used for converting member's integration total value to amount of currency according to the design factor of appointment;
Pension fund synthesis module: be connected with said integration amount of money modular converter; The amount of currency that is used for coming the conversion of integration amount of money modular converter is according to the synthetic member's pension fund of the time coefficient of appointment; Change synthetic member's pension fund over to member's pension fund specified account; And send corresponding information automatically to the government regulation platform, accept government supervision;
Pension is provided module: be connected with said pension fund synthesis module and member's pension fund specified account; Be used for total value that time coefficient according to appointment adds member's pension fund various incomes and draw fixedly member's pension of amount according to the design factor of appointment; Then monthly this fixedly the pension of amount be issued in member's the bank card of consumption endowment IC-card or appointment; And generate corresponding information automatically and send to the government regulation platform, accept government supervision.
5, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, the design factor of its integration amount of money modular converter is 1～200; The time coefficient of pension fund synthesis module is 1～24; The time coefficient that pension is provided module is 50～70, design factor is 50～180.
6, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its system-specific server comprises:
The main system server: be used to the hardware unit that total system provides operating environment, in time arbitrarily, with the related state of native system under collect and analyze the information that all are associated;
Database server: be connected with described main system server; Be used to total system Data Update, preservation, transmission are provided; In time arbitrarily; With the related state of native system under collect and analyze the member support parents the integration addition the result and preserve, send, the conversion for integration and pension simultaneously provides data information and preserves all pension data.
7, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its POS device comprises:
The POS facility: being connected with said sales platform authentication ' unit, is the terminal user identification of sales platform, is used for the support parents identity information read-write of accumulating card of member, and sends the affirmation information that increases the endowment integration to server;
Router: be connected with said system-specific server, cooperate the wireless private gateway, be used for wireless POS and insert;
Net control device: be connected with said system-specific server, join under the first line of a couplet, be used for the access of wired POS facility and sales platform website visiting.
8, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its safety protection device comprises:
System's fire wall: with receive single platform software system and be connected, the safety guarantee when being used for system's operation, the malicious act that stops strange visit and be directed against the invador plays protective action, the safety of whole system environment is guaranteed in assistance;
Disk array: be connected with system server; The data dispersed arrangement method for designing of utilizing this disk groups to cooperate; Be used to promote the efficiency of safety of data and system; And utilize the idea of its parity check, but sense data still when preventing that some hard disk from breaking down helps data reconstruction and inserts again in the new hard disk;
Encryption equipment: be used for the management of POS secret key and the safety of assurance system running environment.
9, a kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its member accumulating card of supporting parents comprises:
Resident identification card: the member's of integration endowment identity subjects foundation is participated in application, and magnetic stripe card, chip IC-card are all as main carrier; Through being connected with the resident identification card identification module, transfer and verify membership information, when being used for the member and consuming not with the substitution effect of member card, and be used for I.D. and member card all not with the time ID card No. login integration;
Magnetic stripe card: the member's of integration endowment identification number card is participated in application, is used for member's authentication, be ready for use on operate on the net under shopping at network or the website log state obtain the endowment integration;
The chip IC-card: application is participated in the member's of integration endowment identity information and pension and is got card; The obtaining automatically and storing of password payment when being used for the amount of money that process of consumption produce to need pays, endowment integration; And be used for the data of POS facility under the off-grid state and provide and memory function; Make it at any time can normally consume and obtain the need of all totals mark of consumption, also can carry the bank card effect that receives the old-age pension for endowment.
The present invention has following outstanding advantage:
1, because the pension fund specified account of system of the present invention be arranged on government's appointment outside the native system manage bank's (system of the present invention is that bank and government regulation platform all leave connection module and interface); And anyone can't call this pension fund at (comprise of the present invention system implementation mechanism); The automatic design of this of system of the present invention also provides the superior returns of maximum safety guarantee and pension fund for the consumer (member) who participates in when having increased the pension fund security.
2, the definite automatically and granting pension because system of the present invention is according to the index of consuming; So native system is helping price simultaneously and can regulate the height of pension according to price index automatically stably; Realized autoregulations such as " corresponding the increasing of pension meeting when price is high "; Brought into play the fluctuation with price that " social old-age insurance " can not occur and increased and pay premium and price and cause pension to devalue to need government bear and heighten adjusting problem automatically such as pension risk, the pension amount of system of the present invention can be regulated along with the height of price-level automatically.
Description of drawings
Fig. 1 is an overview flow chart of the present invention;
Fig. 2 is an expression expander graphs of the present invention;
Fig. 3 is expression formation of the present invention and implementing procedure figure;
Fig. 4 is an applicating flow chart of the present invention.
Embodiment
For making the object of the invention, technical scheme and excellent characteristics clearer, below do further detailed description, but content of the present invention is not limited to this fully with reference to accompanying drawing and several embodiment.
Annotate: for make explanation clearer, implement more convenient, use the sign symbol as each design module and node such as arabic numeral 0～9, Rome NOT-carry system numeral I～V, English alphabet a～z in following diagram and the embodiment explanation respectively.
Embodiment 1:
A kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its overall design flow process according to Fig. 1 " consumption → integration → endowment " realize, its extended method according to Fig. 2, it constitutes in detail and implementation detail according to Fig. 3, its application flow according to Fig. 4.
A kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its coefficient is designed to: the design factor 100 of integration amount of money modular converter; The time coefficient 12 of pension fund synthesis module, pension is provided time coefficient 60, the design factor 139 of module.
As shown in Figure 1, General layout Plan of the present invention obtains integration then and accumulates integration according to consumer (member) normally consumption earlier, finally realizes the purpose that receives the old-age pension automatically after 60 years old.
In order to make the present invention can be applied to the whole nation and even wider more conglomerate and field; Adopt extended method as shown in Figure 2; Be designed with the password and the encryption software that are used to discern native system and operation native system that can both install additional in the terminal sale shop of every field; The front that extends to all consumers that can infinite range does not have limitation and benefits more common people.
As shown in Figure 3; A kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its system and device is tested support parents accumulating card I to III etc. of card-reading system 11 to 13, POS device a and b, safety protection device 6 to 9, member and is constituted by receiving single platform software system 1 to 3, system-specific server 4 and 5, sales platform;
The single platform software of above-mentioned receipts system as main system according to following method design with is connected: sales platform authentication ' unit 1 and the member accumulating card identity information unit 2 of supporting parents links together, and is used to discern the ID of each POS system or point of sale POS facility; The member accumulating card identity information unit 2 of supporting parents is connected with sales platform authentication ' unit 1, is used to accomplish each member's identity information read-write capability; Pension is adjusted authentication ' unit 3 and the member accumulating card identity information unit 2 of supporting parents and is connected, and is used to check and calculate member's integration and converts pension numerical value to, and the Integral Transformation function comprises that member's pension synthesizes and have the computing module of pension complex functionality.
As shown in Figure 3, sales platform authentication ' unit 1 of the present invention designs according to following method and is connected:
Wired and wireless compatible modules 11 is tested card reading module 12 with sales platform and is connected, and is used to the compatible environment that said sales platform authentication ' unit 1 provides wired POS and sales platform website visiting b or wireless POS facility a to insert.Wired POS and sales platform website visiting b insert the direct login that environment can be used for the sales platform website visiting b of wire telephony and internet website (on-line shop), go forward side by side be on sale throughout sell, integration, integrate with sales platform authentication ' unit 1; Wireless POS facility a is used for charge, gives integration etc. as point-of-sale terminal equipment; Sales platform is tested card reading module 12 and is connected with wired and wireless compatible modules 11, and the automatic integration when being used to shopping at network provides applied environment, and auxiliary cable network inserts the authentication integration of selling under the environment; Point-of-sale terminal identification module 13 is tested card reading module 12 with sales platform and is connected, and is used to discern the ID of each POS system or point of sale POS facility.
As shown in Figure 3, support parents accumulating card identity information unit 2 of member of the present invention links together with sales platform authentication ' unit 1, and according to following method design be connected:
Member's card identification module 21 of supporting parents is connected with resident identification card identification module 22, is used to discern support parents accumulating card and obtain the membership information corresponding with its identity of member; Resident identification card identification module 22 and the member card identification module 21 of supporting parents is connected; Be used to discern and read member's resident identification card chip information; And be used for member's consumption, integration but member card not with the time effect that can enough I.D.s replaces; This Module Design, its ID card No. also can be logined integration as subsequent use; Generate writing module 23 and be connected, be used for being generated as the new data that produces by the sales platform authentication ' unit member's specific information and writing member card with resident identification card identification module 22; Sending module 24 is connected with generation writing module 23, is used for being sent to database server to member's latest data, also generates the short message or the mail of latest data automatically and sends to the member simultaneously.
As shown in Figure 3, pension of the present invention is adjusted authentication ' unit 3 and is received single platform software system integration together, and according to following method design be connected:
Integration amount of money modular converter 31 is connected with pension fund synthesis module 32, is used for converting member's integration total value to amount of currency according to the design factor of appointment; Pension fund synthesis module 32 is connected with integration amount of money modular converter 31; The amount of currency that is used for coming 31 conversions of integration amount of money modular converter is according to the synthetic member's pension fund of the time coefficient of appointment; Change synthetic member's pension fund over to member's pension fund specified account simultaneously; And send corresponding information automatically to the government regulation platform, accept government supervision; Pension is provided module 33 and is connected with pension fund synthesis module 32 and member's pension fund specified account 9; Be used for total value that time coefficient according to appointment adds member's pension fund various incomes and draw a fixedly pension of amount according to the design factor of appointment; Then monthly this fixedly the pension of amount be issued in member's the bank card of consumption endowment IC-card or appointment; And generate corresponding information automatically and send to the government regulation platform, accept government supervision.
As shown in Figure 3; A kind of private server of collecting total mark of consumption and changing into the integration endowment system and method for pension is made up of also main system server 4 and database server 5 and closely is connected; Main system server 4 is used to the hardware unit that total system provides operating environment; In time arbitrarily, with the related state of native system under collect and analyze the information that all are associated; Database server 5 integrates with main system server 4; Be used to total system Data Update, preservation, transmission are provided; In time arbitrarily; With the related state of native system under collect and analyze the member support parents the integration addition the result and preserve, send, the conversion for integration and pension simultaneously provides data information and preserves all pension data.
As shown in Figure 3; POS device of the present invention is connected with said sales platform authentication ' unit 1 by POS facility a; The terminal user identification of forming sales platform is used for the support parents identity information read-write of accumulating card of member, and sends the affirmation information that increases the endowment integration to server; Sales platform website visiting b is used for the direct login of internet website (on-line shop), and in the website enterprising line operate integration.
As shown in Figure 3, router 7 of the present invention is connected with system-specific server 4,5, cooperates the wireless private gateway, is used for the access of wireless POS facility a; Net control device 8 is connected with system-specific server 4,5, joins first line of a couplet effect down, and is used for the access of wired POS facility and sales platform website visiting b.
As shown in Figure 3, safety protection device 6 of the present invention designs according to following method and is connected:
System's fire wall 61 with receive single platform software system integration together, the safety guarantee when being used for system's operation stops strange visit and plays protective action to invador's malicious act, the safety of whole system environment is guaranteed in assistance; Disk array 62 is connected with system server 4,5; The data dispersed arrangement method for designing of utilizing this disk groups to cooperate; Be used to promote the efficiency of safety of data and system; And utilize the idea of its parity check, but sense data still when preventing that some hard disk from breaking down helps data reconstruction and inserts again in the new hard disk; Encryption equipment 63 is used for the management of POS secret key and guarantees the safety of system running environment.
As shown in Figure 3; A kind of member who collects total mark of consumption and change into the integration endowment system and method for the pension main carrier of accumulating card of supporting parents as the endowment of consumer (member) integration; Form by all independent used magnetic stripe card I, resident identification card II, chip IC-card III, bring into play its unique complementary effect:
Magnetic stripe card I is the identification number card that the member of integration endowment is participated in application, is used for member's authentication, and obtains the endowment integration during consumption under the website log state; Resident identification card II participates in the subject identity foundation that integration is supported the old as application; Magnetic stripe card, chip IC-card are all made the scheme that main carrier is design with this; Through being connected with the resident identification card identification module; Transfer and verify membership information, the member card when being used for the member and consuming does not have the substitution effect of band, and be used for I.D. and member card all not with the time ID card No. login integration; Chip IC-card III is that identity information storage and the currency deposit card that integration is supported the old participated in application; Be used for process of consumption and produce obtaining automatically and storing of the password payment when needing payment amount, the integration of supporting parents; And be used for the data of POS facility under the off-grid state and provide and memory function; Make it at any time can normally consume and obtain the usefulness of all totals mark of consumption, also can carry the bank card effect that receives pension for endowment.
Embodiment 2:
A kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its coefficient is designed to: the design factor 1 of integration amount of money modular converter; The time coefficient 1 of pension fund synthesis module, pension is provided time coefficient 50, the design factor 50 of module.
Design and implementation method are with embodiment 1.
Embodiment 3:
A kind of integration endowment system and method for collecting total mark of consumption and changing into pension, its coefficient is designed to: the design factor 200 of integration amount of money modular converter; The time coefficient 24 of pension fund synthesis module, pension is provided time coefficient 70, the design factor 180 of module.
Design and implementation method are with embodiment 1.
Application implementation example 1:
With each hardware system assembling of the present invention, install main system on request---" receive single platform software system " is subsequent use after check is debugged; And install system backup usefulness of the present invention at each point of sales terminal shop installation " unified identification password and the system software of encrypting " of the present invention, POS facility; The member supports parents, and accumulating card is accomplished registration on backstage of the present invention and the encryption after discharge is arrived in consumer (member) hand subsequent use.
As shown in Figure 4: when consumer (member) holds each point of sales terminal shop when carrying out purchase and consumption; Member's free choice of goods and with after mode is accomplished payment freely; The shop utilizes mode that sales platform website b directly gets into computer site or POS machine visit a, and (close and claim that the POS machine a) logins system of the present invention, at this moment wired and wireless compatible modules 11, sales platform are tested card reading module 12, point-of-sale terminal identification module 13 and are started successively; Import the total mark of consumption that this is given again behind the input information of member card; Behind member verification, press acknowledgement key, POS machine a sends data message to background system of the present invention, at this moment gets into member's accumulating card identity information unit 2 programs of supporting parents; And start member support parents card identification module 21 and resident identification card identification module 22 functions; System accepts and analyzes, and confirms that errorless back starts generation writing module 23 functions, generates and write new data; At this moment sending module 24 starts; The new data information that result who accepts and analyze being correlated with or generation write is beamed back POS machine a, produces a notifying messages simultaneously automatically and also sends to the member, and the process of this consumption, integration is promptly accused completion.
As shown in Figure 4: as to have reached integration amount of money coefficient switching time that system of the present invention sets behind the consumption of member's process several times, the integration; At this moment get into pension and adjust authentication ' unit 3 programs; At this moment integration amount of money modular converter 31 starts, and converts member's integration total value to amount of currency according to the design factor of setting; Pension fund synthesis module 32 amount of currency that 31 conversions are come according to integration amount of money modular converter changes synthetic member's pension fund over to member's pension fund specified account simultaneously automatically according to the time coefficient analysis that sets and synthetic member's pension fund.
As shown in Figure 4: as to start pension at last and provide module 33 functions; Function according to this module; System can be according to the automatic analysis of time coefficient of appointment and the granting of definite pension; After adding the total value of various incomes to the pension fund summation, to calculate according to the design factor of appointment, system draws a fixedly monthly pension of amount automatically; After reaching the age that receives the old-age pension as the member, the correlation function that pension is provided module 33 can begin automatically monthly to be issued to pension in member's the bank card of consumption endowment IC-card or appointment.
Application implementation example 2:
The present invention is showing through effect and excellent characteristics after the practice operation in nearly ten years; Consumer (member) is after adding this social pension system; Because the relevant Huimin effect of the solution of own endowment problem and system; Its consumer behavior meeting increases about 20% than before adding, and about 11500 yuan rise to after the adding about 13800 yuan by the annual level of consumption before adding, this is because after the endowment guarantee that the consumer has obtained oneself " being looked after properly in the old age "; Save the old age for oneself that again need not be so a large amount of; Simultaneously also because enforcement of the present invention, its system has also stimulated the bigger consumption enthusiasm of consumer and has driven the benign development of whole national economy, and this macro adjustment and control policy to " expanding domestic demand; the short growth " that country 12 proposes complements each other, and makes the construction of national endowment system and improve and obtained better realization and help.
With the consumption amount of money in 1 year of a people is example for 11500 yuan, begins to accumulate total mark of consumption in 10 years old from him, and its pension of every month after 60 one full year of life can be generated as according to system of the present invention automatically at him; (2300+2300 the ÷ 12) * 50 ÷ 139=896.28 unit/moon; If when being born, begin to accumulate total mark of consumption from him, then can be generated as automatically according to system of the present invention: (2300+2300 the ÷ 20) * 60 ÷ 120=1207.50 unit/moon at his its pension of every month after 60 one full year of life.
If the consumption by after the extensive enforcement of the present invention increases by 13800 yuan of calculating of amount, from his 10 years old beginning total mark of consumption, then its pension of every month can be generated as according to system of the present invention automatically after 60 years old: (2760+2760 the ÷ 20) * 60 ÷ 120=1449 unit/moon; If when being born, begin to accumulate total mark of consumption from him, then can be generated as automatically according to system of the present invention: (2760+2760 the ÷ 24) * 70 ÷ 100=2012.50 unit/moon at his its pension of every month after 60 one full year of life.
So considerable and exempt from the pension income of any expense, to the construction of consumers in general and the social pension system that any one is national and perfect, really be shocking result!
According to integration endowment system of the present invention and method for designing, the content of invention and function run far deeper than the performance in such scheme, so be not limited thereto.
Claims (10)
1. integration endowment system and method for collecting total mark of consumption and changing into pension is characterized in that its system and device comprises that receiving single platform software system and system-specific server, sales platform tests card-reading system, POS device, safety protection device, the member accumulating card of supporting parents;
The single platform software of said receipts system comprises as main system:
Sales platform authentication ' unit: the ID that is used to discern each POS system or point of sale POS facility;
The member accumulating card identity information unit of supporting parents: be connected with said sales platform authentication ' unit, be used to accomplish each member's identity information read-write capability;
Pension is adjusted authentication ' unit: be connected with the said member accumulating card identity information unit of supporting parents; Be used to check and calculate member's integration and convert pension fund numerical value to, said Integral Transformation comprises the synthetic and said computing module with pension fund complex functionality of said member's pension fund.
2. a kind of integration endowment system and method for collecting total mark of consumption and changing into pension according to claim 1 is characterized in that described sales platform authentication ' unit comprises:
Wired and wireless compatible modules: be used to said sales platform authentication ' unit and provide the compatible environment that spider lines inserts or the wireless POS facility insert;
Sales platform is tested card reading module: be used for selling and the authentication integration under the cable network access environment, the automatic integration during also for shopping at network provides applied environment;
Point-of-sale terminal identification module: test card reading module with sales platform and be connected, be used to discern the ID of each POS system or point of sale POS facility.
3. a kind of integration endowment system and method for collecting total mark of consumption and changing into pension according to claim 1 and 2 is characterized in that the described member accumulating card identity information unit of supporting parents comprises:
Member's card identification module of supporting parents: be connected with said resident identification card identification module, be used to discern support parents accumulating card and obtain the membership information corresponding of member with its identity;
Resident identification card identification module: the resident identification card chip information that is used to discern and read the member; And be used for member's consumption, integration but member card not with the time effect that can enough I.D.s replaces; This Module Design, its ID card No. also can be logined integration as subsequent use;
Generate writing module: be used for being generated as the new data that produces by the sales platform authentication ' unit member's specific information and writing member card;
Sending module: be connected with said generation writing module, be used for sending to database server to member's latest data, also generate the short message or the mail of latest data automatically and send to the member simultaneously.
4. according to claim 1 or 3 described a kind of integration endowment system and methods of collecting total mark of consumption and changing into pension, it is characterized in that described pension accounting authentication ' unit comprises:
Integration amount of money modular converter: be used for converting member's integration total value to amount of currency according to the design factor of appointment;
Pension fund synthesis module: be connected with said integration amount of money modular converter; The amount of currency that is used for coming the conversion of integration amount of money modular converter is according to the synthetic member's pension fund of the time coefficient of appointment; Change synthetic member's pension fund over to member's pension fund specified account; And send corresponding information automatically to the government regulation platform, accept government supervision;
Pension is provided module: be connected with said pension fund synthesis module and member's pension fund specified account; Be used for total value that time coefficient according to appointment adds member's pension fund various incomes and draw fixedly member's pension of amount according to the design factor of appointment; Then monthly this fixedly the pension of amount be issued in member's the bank card of consumption endowment IC-card or appointment; And generate corresponding information automatically and send to the government regulation platform, accept government supervision.
5. according to claim 1 or 4 described a kind of integration endowment system and methods of collecting total mark of consumption and changing into pension, it is characterized in that: the design factor of integration amount of money modular converter is 1～200; The time coefficient of pension fund synthesis module is 1～24; The time coefficient that pension is provided module is 50～70, design factor is 50～180.
6. according to claim 1 or 5 described a kind of integration endowment system and methods of collecting total mark of consumption and changing into pension, it is characterized in that: the design factor of integration amount of money modular converter is 100; The time coefficient of pension fund synthesis module is 12, and the time coefficient that pension is provided module is 60, design factor is 139.
7. a kind of integration endowment system and method for collecting total mark of consumption and changing into pension according to claim 1 is characterized in that said system-specific server comprises:
The main system server: be used to the hardware unit that total system provides operating environment, in time arbitrarily, with the related state of native system under collect and analyze the information that all are associated;
Database server: be connected with described main system server; Be used to total system Data Update, preservation, transmission are provided; In time arbitrarily; With the related state of native system under collect and analyze the member support parents the integration addition the result and preserve, send, the conversion for integration and pension simultaneously provides data information and preserves all pension data.
8. a kind of integration endowment system and method for collecting total mark of consumption and changing into pension according to claim 1 is characterized in that said POS device comprises:
The POS facility: being connected with said sales platform authentication ' unit, is the terminal user identification of sales platform, is used for the support parents identity information read-write of accumulating card of member, and sends the affirmation information that increases the endowment integration to server;
Router: be connected with said system-specific server, cooperate the wireless private gateway, be used for wireless POS and insert;
Net control device: be connected with said system-specific server, join under the first line of a couplet, be used for the access of wired POS and website visiting.
9. a kind of integration endowment system and method for collecting total mark of consumption and changing into pension according to claim 1 is characterized in that said safety protection device comprises:
System's fire wall: with receive single platform software system and be connected, the safety guarantee when being used for system's operation, the malicious act that stops strange visit and be directed against the invador plays protective action, the safety of whole system environment is guaranteed in assistance;
Disk array: be connected with system server; The data dispersed arrangement method for designing of utilizing this disk groups to cooperate; Be used to promote the efficiency of safety of data and system; And utilize the idea of its parity check, but sense data still when preventing that some hard disk from breaking down helps data reconstruction and inserts again in the new hard disk;
Encryption equipment: be used for the management of POS secret key and the safety of assurance system running environment.
10. a kind of integration endowment system and method for collecting total mark of consumption and changing into pension according to claim 1 is characterized in that the said member accumulating card of supporting parents comprises:
Resident identification card: the member's of integration endowment identity subjects foundation is participated in application, and magnetic stripe card, chip IC-card are all as main carrier; Through being connected with the resident identification card identification module, transfer and verify membership information, when being used for the member and consuming not with the substitution effect of member card, and be used for I.D. and member card all not with the time ID card No. login integration;
Magnetic stripe card: the member's of integration endowment identification number card is participated in application, is used for member's authentication, be ready for use on operate on the net under shopping at network or the website log state obtain the endowment integration;
The chip IC-card: application is participated in the member's of integration endowment identity information and pension and is got card; The obtaining automatically and storing of password payment when being used for the amount of money that process of consumption produce to need pays, endowment integration; And be used for the data of POS facility under the off-grid state and provide and memory function; Make it at any time can normally consume and obtain the need of all totals mark of consumption, also can carry the bank card effect that receives the old-age pension for endowment.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110415786XA CN102609855A (en) | 2011-12-14 | 2011-12-14 | Integration pension system for collecting consumption points and converting consumption points into pension and method for same |
| PCT/CN2012/001556 WO2013086779A1 (en) | 2011-12-14 | 2012-11-19 | Credit retirement system and method of collecting consumption credit and transforming consumption credit to pension |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110415786XA CN102609855A (en) | 2011-12-14 | 2011-12-14 | Integration pension system for collecting consumption points and converting consumption points into pension and method for same |
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| Publication Number | Publication Date |
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| CN102609855A true CN102609855A (en) | 2012-07-25 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201110415786XA Pending CN102609855A (en) | 2011-12-14 | 2011-12-14 | Integration pension system for collecting consumption points and converting consumption points into pension and method for same |
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| Country | Link |
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| CN (1) | CN102609855A (en) |
| WO (1) | WO2013086779A1 (en) |
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| CN106204283A (en) * | 2015-05-06 | 2016-12-07 | 金秉山 | Old-age pension processing system and the accumulation method of pension fund |
| CN106845984A (en) * | 2017-01-12 | 2017-06-13 | 徐东升 | One kind endowment integration distribution and management system |
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| WO2013086779A1 (en) | 2013-06-20 |
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Application publication date: 20120725 |