JP2010079822A - Premium saving pension system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a premium saving pension system which substitutes a premium amount corresponding to a user's merchandise purchase amount with points to store the points, concedes the points to a third person, converts the points into cash and returns the cash to the user as a pension. <P>SOLUTION: A center computer of a system center for exchanging a contract with the user and a distributor includes a premium amount receiving means for receiving a premium amount corresponding to the user's merchandise purchase amount, a premium amount storing means for storing the premium amount, a point converting means for converting the premium amount into premium points, a point storing means for storing the premium points, a point verification means for verifying the premium points, a point using means for using the premium points for merchandise purchase and discount, a point purchasing means for purchasing the premium points, a cash converting means for converting the premium points into cash for an additional payment insurance premium of pension insurance, and a point shifting means for shifting the premium points to another user. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

In the present invention, when a user purchases various products including, for example, concert admission tickets, restaurant meals, etc., from the seller, the premium is commensurate with the purchase price arbitrarily set by the seller. It is related to the premium savings pension system that is converted into points and returned to the user as a pension in the future.

Conventionally, when a general consumer brings a membership card issued by a retail store, restaurant, etc. in partnership with a credit company, points according to the purchase amount are recorded on the membership card, and some points have accumulated At the time, a point card system is known in which, when this membership card is presented, a privilege such as a discount on a prize or a product according to the accumulated points is given (for example, see Patent Document 1).
However, the conventional point card system has several problems as listed below.
(B) Member cards are issued for each retail store and restaurant, and it is difficult to know which card can be used at which store.
(B) There are too many membership cards, and it takes time to select the cards to be purchased when shopping.
(C) Benefits are limited to stores that handle cards or group stores.
(D) Point service is limited to commodities within the range that the card can handle.
(E) Some points have an expiry date and will disappear if not used.

Japanese Patent Laid-Open No. 9-212741

In order to improve the problems of the conventional point card system in the invention of the prior application (Japanese Patent Application Laid-Open No. 2002-189964), the applicant of the present invention firstly compensates for the purchase price. A premium money saving system at the time of product purchase has been proposed in which a premium money is deposited as a deposit and the consumer can receive a repayment of the deposit money based on a predetermined contract condition.

However, although this system can improve the conventional problems, new problems have arisen, such as requiring large investments and labor to build a corresponding network for dealers and financial institutions participating in the system. .

In addition, as a recent social issue, the public pension issue has been highlighted, and many people feel anxious about receiving a public pension in the future after retirement. It has become difficult to ensure.

The present invention has been made in view of the above-described problems, and when the user purchases various products including, for example, concert admission tickets, restaurant meals, etc., the seller himself / herself arbitrarily Premium money commensurate with the set purchase price is temporarily replaced with points and accumulated, and the accumulated points are transferred to third parties such as parents, children, grandchildren, etc., or converted into cash and used as pensions in the future. The purpose is to provide a premium savings pension system that can be returned to the elderly.

In order to achieve the above object, the premium savings pension system according to claim 1 is configured so that when a user purchases a product from a distributor, a premium money corresponding to the purchased product purchase price is accumulated, and the pension insurance that the user has joined. Is a premium savings pension system that will be returned to users as a future pension from a Japanese insurance company, and in order to provide the services of this system, a system for exchanging contracts with users and distributors handling products purchased by users A center computer is provided in the center, and the center computer receives premium money corresponding to the purchase amount of goods purchased by the user, and premium money storage means for accumulating premium money received by the premium money reception means. , A point converter that converts accumulated premium money into premium points And a point accumulating means for accumulating the converted premium points, a point inquiring means for inquiring the accumulated premium points by receiving an inquiry request from the user terminal, and a point payment request from the user terminal. Purchasing premium points accumulated over a certain level by receiving point payment requests from users' terminals and purchasing point discounts for purchasing and discounting products handled by dealers with a portion of premium points accumulated Point purchase means, cash conversion means for converting premium points purchased by point purchase means into cash to be applied to additional paid premiums of annuity insurance that the user has enrolled, and point transfer requests from users' terminals Transfer some of the premium points received and accumulated to other users' point accumulation means It is characterized in that it comprises a transfer points means.

The premium savings pension system according to claim 2 is the premium savings pension system according to claim 1, wherein the center computer authenticates that the user is a system member user who has signed a contract with the system center. The information storage device is provided with a seller information storage device for authenticating that it is a system affiliated dealer who has signed a contract with the system center.

A premium savings pension system according to claim 3 is the premium savings pension system according to claim 1, wherein the center computer includes a point accumulation device that accumulates premium points for each user by means of point accumulation means. It is a feature.

The premium savings pension system according to claim 4 is the premium savings pension system according to claim 1, wherein the center computer converts the premium money into premium points by the point conversion means and the cash conversion means. A cash conversion rate storage device for converting premium points into cash is provided.

The premium savings pension system according to claim 5 is the premium savings pension system according to claim 4, wherein the point conversion rate storage device and the cash conversion rate storage device each change in conjunction with the economic situation at the time of conversion. A point conversion rate and a cash conversion rate obtained by multiplying a specific value are provided.

The premium savings pension system according to claim 6 is the premium savings pension system according to claim 1, wherein the center computer stores the premium product information storage device that stores premium money information set for each product by the system affiliated seller. It is characterized by comprising.

The premium savings pension system according to claim 7 is the premium savings pension system according to claim 1, wherein the premium money is allocated to consumer accumulation, sales to the seller, environmental protection and culture / artistic promotion. And is stored and managed in the center computer of the system center.

The premium savings pension system according to claim 8 is the premium savings pension system according to claim 1, wherein the accumulated premium points are used for purchases and discounts of products handled by the seller. is there.

The premium savings pension system according to claim 9 is the premium savings pension system according to claim 1, wherein when the accumulated premium points reach a certain level or more, the premium savings pension system is converted into cash and the pension insurance that the user has joined. It is characterized by being appropriated for additional paid premiums and being returned to users as future pensions.

The premium savings pension system according to claim 10 is the premium savings pension system according to claim 1, wherein the accumulated premium points are transferred from the user to another user who has been authenticated by the user. It is characterized by being possible.

According to the premium savings pension system according to the present invention, in order to provide the service of this system, the center computer includes a center computer in a system center that exchanges a contract with a user and a dealer who handles the products purchased by the user. , Premium money receiving means for receiving premium money corresponding to the purchase price of the product purchased by the user, Premium money storing means for accumulating premium money received by the premium money receiving means, and converting the accumulated premium money into premium points Point conversion means for storing, point storage means for storing converted premium points, point information transmission means for transmitting premium points stored in response to an inquiry request from a user terminal, and point payment requests from a user terminal Accumulated premium Purchase / discount means for purchasing and discounting products handled by dealers, point purchase means and point purchase means for purchasing premium points accumulated to a certain level or more by requesting point payment from users' terminals A part of the premium points accumulated by cash conversion means for converting premium points purchased by means to cash to be applied to additional paid premiums of annuity insurance that the user has joined and points transferred from the user's terminal Since it is equipped with point transfer means for transferring to other users' point storage means, the functions of this system can be condensed into one central computer provided in the system center, without much investment and labor. Network construction became possible.

The center computer is a user information storage device for authenticating that the user is a system affiliated user who has entered into a contract with the system center, and a system computer for authenticating that it is a system affiliated seller who has entered into a contract with the system center. The point information storage device and the point storage device that stores premium points for each user by means of point storage means are provided, so that it is possible to quickly authenticate that the user and the seller have signed a legitimate contract with the system center. It was.

The center computer also includes a point conversion rate storage device that converts premium money into premium points by means of point conversion means and a cash conversion rate storage device that converts premium points to cash by means of cash conversion means, and includes a point conversion rate storage device and cash Since the conversion rate storage device has a point conversion rate and a cash conversion rate obtained by multiplying specific values that change in conjunction with the economic situation at the time of conversion, it is converted at a conversion rate that reflects the economic situation at that time. can do.

Further, since the center computer includes a sales product information storage device that stores premium money information set for each product by a system member distributor, the premium money can be arbitrarily changed.

Premium money is divided into consumer reserves, distributor returns, provisions for environmental protection and culture / artistic promotion, and is stored and managed in the center computer of the system center respectively. It is useful for handing down traditions, culture, art, and traditional techniques, as well as for the future of consumers.

The accumulated premium points can be used for purchases and discounts of products handled by the seller.

Moreover, when the accumulated premium points reach a certain level or more, it can be converted into cash and used for additional paid premiums of pension insurance that the user has enrolled, and returned to the user as a future pension.

Further, the accumulated premium points can be transferred from the user to another user who has been authenticated by the user.

Embodiments of the present invention will be specifically described below based on the embodiments of the present invention illustrated in the accompanying drawings.

First, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a system conceptual diagram showing the overall configuration of a premium savings pension system (hereinafter referred to as the present system). FIG. 2 is a block diagram showing functions of the center computer in FIG.

In FIG. 1, S is a system center which is an operating organization for supervising the operation of this system, U is a user who receives the service of this system, M is various products including concert admission tickets, restaurant meals, etc. F is an insurance company that has signed an insurance contract with user U.

The system center S is provided with a center computer SC to control the operation of this system. The center computer SC includes a premium money receiving means SC1 for receiving premium money corresponding to the purchase amount of goods purchased by the user U, a premium money storage means SC2 for storing premium money received by the premium money receiving means SC1, and a stored premium. Point conversion means SC3 for converting money into premium points, point storage means SC4 for storing converted premium points, point inquiry means SC5 for receiving reference requests from the user's terminal and referring to stored premium points, user The point use means SC6 used for purchase and discount of products handled by the seller with a portion of the premium points received and received from the terminal of the user, and the point payment request received from the user's terminal Premium points accumulated above Point purchase means SC7 to be purchased, cash conversion means SC8 for converting premium points purchased by the point purchase means to cash to be applied to additional paid premiums of annuity insurance that the user has enrolled, point transfer request from the user's terminal Point transfer means SC9 for transferring a part of the premium points received and received to the point storage means of another user V.

The accumulated premium money is divided into a consumer accumulation portion SC10, a distributor return portion SC11, and an allowance SC12 for environmental protection and cultural / artistic promotion, and is accumulated and managed in the center computer of the system center. .

The user U can enjoy the service provided by the system by signing a membership contract to the system with the system center S. The user U owns a system compatible terminal UT in which an IC chip corresponding to the system is mounted on a mobile phone in order to receive the service of the system. This system-compatible terminal UT has a function of displaying a screen, and a premium point accumulation state obtained by converting premium money by a specific operation of the customer himself / herself can be displayed on the screen. Further, the use of the accumulated points for purchase and discount of products handled by the seller M is also operated from the system compatible terminal UT.

The dealer M signs a membership contract for this system with the system center S and installs a dealer computer MK to which the sales register MR is directly connected. The dealer computer MK is connected to the center computer SC of the system center S and the system compatible terminal UT of the user U via the network W, respectively. In addition, the dealer M performs a legitimate evaluation on various products including a concert admission ticket, restaurant meals, etc., and sets a premium money commensurate with the evaluation. The setting of premium money is generally left to each seller, but even if a third-party evaluation organization conducts an assessment from various viewpoints such as the environment and decides the premium money fairly. I do not care.

The insurance company F accumulates premium money, which is a feature of the system, in terms of points and accumulates it, and develops an insurance premium additional payment type insurance product FA in order to return it to the user U as a pension in the future. This insurance product FA makes it possible to pay an additional premium in addition to a fixed premium every month, convert the accumulated points to cash and apply it to the additional payment premium, and use it as a fund for the pension received after the payment period expires be able to.

Next, the function of the center computer SC will be described in detail with reference to FIG. The center computer SC includes a central processing unit 600, a point storage device 610, a premium money storage device 611, a user information storage device 612, a seller information storage device 613, a point conversion rate storage device 614, and a cash conversion. It comprises a rate storage device 615 and a sales merchandise information storage device 616.

The central processing unit 600 is added at the time of merchandise purchase, a seller authentication unit 620 for authenticating a system affiliated seller accessing the center computer SC, a seller request obtaining unit 621 for analyzing an access request of the system affiliated seller. Received by purchased product premium money receiving means 622 for receiving premium money, user search means 623 for searching for a user who receives premium money from the user information storage device 612, and purchased product premium money receiving means 622. Premium money storage means 624 for storing the premium money stored in the premium money storage device 611, and accumulated points for converting the premium money stored in the premium money storage device 611 into points according to the conversion rate stored in the point conversion rate storage device 614 Conversion means 625 Purchased product point accumulating means 626 for accumulating converted points in the point accumulating device 610, sales merchandise premium gold receiving means 627 for receiving information on premium money set for each sale merchandise by the system affiliated seller, and system affiliate sales Sales merchandise premium money changing means 628 for changing various data of the sales merchandise information storage device 616 that stores premium money information set for each product by the merchant is provided.

The central processing unit 600 also includes a user authentication unit 630 that authenticates a user who accesses the center computer SC, a user request acquisition unit 631 that analyzes a user access request, and an access of the user request acquisition unit 631. A point payment request receiving unit 640 that receives a payment request for points accumulated from the request analysis, and a part of the points accumulated in the point accumulation device 610 by the point payment request are used for purchase and discount of products handled by the seller. Point use means 641, point purchase means 642 for purchasing points of a certain level or more stored in the point storage device 610 in response to a point payment request, and a conversion rate stored in the cash conversion rate storage device 615 for the purchased points And a cash conversion means 643 for converting into cash according to .

The central processing unit 600 also receives a point transfer request receiving unit 650 that receives a point transfer request to another user designated by the user from the access request analysis of the user request acquisition unit 631 that analyzes the user's access request. If there is a point transfer destination search unit 651 that searches the user information storage device 612 and determines whether or not there is a point transfer destination user, the point storage device 610 stores the point transfer destination user. Point transfer means 652 for transferring points to another user who has designated some of the accumulated points.

The central processing unit 600 also includes a point inquiry request receiving unit 660 for receiving a reference request for the current point accumulation state from the access request analysis of the user request acquisition unit 631 for analyzing the user's access request; A point search unit 661 for searching the user's point accumulation state from the storage device 610 and a point inquiry unit 662 for transmitting the searched point accumulation state to the user are provided.

The operation of this system configured as described above will be described. First, upon establishment of this system, a system center S, which is an operation organization for supervising its operation, is established. The system center S includes a center computer SC in order to control the operation of this system.

In addition, the system center S gathers dealers such as stores, theaters, restaurants and the like who join this system, and registers them in the dealer information storage device 613 of the center computer S. The registered seller M performs a legitimate evaluation on various products including concert admission tickets, restaurant meals, etc., and sets a premium money commensurate with the evaluation. The setting of premium money is generally left to each seller, but even if a third-party evaluation organization conducts an assessment from various viewpoints such as the environment and decides the premium money fairly. I do not care.

In order for the user to receive the service of this system, an ID of the IC chip that identifies the system compatible terminal UT and the user U are signed with the system center S that supervises the system. It is established by registering information such as a member ID, name, address, sex, date of birth, etc. to be specified in the user information storage device 612 of the center computer S. The user U is also required to conclude a pension insurance contract with an insurance company F that is affiliated with the system center S as a condition for joining the system.

System support for user U who has signed a membership contract for this system, purchases various products including concert admission tickets, restaurant meals, etc. from seller M who is also a member of this system. When payment is made at the sales register MR of the seller M by the terminal UT, the ID of the IC chip that identifies the system-compatible terminal UT and the purchase price of the product are input to the seller computer MK directly connected to the sales register MR, and the system-compatible terminal Premium money k1 corresponding to the UT ID and the purchase price of the product is transmitted from the dealer computer MK to the center computer SC via the network W.

When the center computer SC receives access from the dealer computer MK of the dealer M who is affiliated with the present system, the center computer SC searches the dealer information storage device 613 by the dealer authentication means 620 of the central processing unit 600 and sells the affiliated member of the system. Check if it is a contractor. If it is possible to authenticate with the seller M who belongs to the system, the control is transferred to the seller request acquisition means 621, and the connection request contents of the system member seller M are analyzed.

If the analysis result of the seller request acquisition means 621 is a change in premium money added for each product set by the system member dealer M, control is transferred to the sales goods premium money reception means 627 and premium money change information is received. To do. After receiving the premium money change information, the control is transferred to the sales product premium money change means 628, and the sale product premium money change means 628 changes the premium money information set for each product stored in the sale product information storage device 616. I do.

Further, when the analysis result is reception of premium money k1 due to the purchase of the product of the user U, the control is transferred to the purchase product premium money receiving means 622, and the premium money k1 received by the user U by the purchase of the product is received. Thereafter, control is transferred to the user search means 623.

The user search means 623 searches the user information storage device 612 and checks whether there is a user U that matches the ID of the transmitted system compatible terminal UT. When the user U can confirm, the control is transferred to the premium money accumulating means 624, and the premium money k1 received by the purchased product premium money receiving means 622 is accumulated in the premium money accumulating device 611 for each user.

The accumulated premium money is divided into consumer accumulation, sales to the dealer, provision for environmental protection and culture / artistic promotion, and accumulation and management in the premium accumulation apparatus 611 of the center computer SC of the system center S, respectively. Premium points accumulated as consumer accumulated points are obtained by multiplying a specific value that changes in conjunction with the economic situation at the time of conversion by referring to the point conversion rate storage device 612 by the accumulated point conversion means 625. Premium gold k1 is converted into premium points p1 according to the conversion rate. After the conversion to premium points is completed, control is transferred to the purchased product point accumulation means 626, and premium points are accumulated in the point accumulation device 610 classified for each user.

Next, when accessing the center computer SC with the system compatible terminal UT owned by the user U, the user authentication means 630 of the central processing unit 600 searches the user information storage device 612 and enters into a membership contract for this system. It is confirmed whether or not the user U matches the connected user U. If it is confirmed that the user U matches, the control is transferred to the user request acquisition means 631 and the reason for access of the user U is analyzed. To do.

If the user request acquisition means 631 determines that the request of the user U is a point accumulation status inquiry request, the control is transferred to the point inquiry request reception means 660. After receiving the point inquiry request, the point inquiry request receiving unit 660 transfers control to the point search unit 661. The point search unit 661 searches the point information for each user stored in the point storage device 610 according to the inquiry condition received by the point inquiry request reception unit 660. After the search is completed, control is transferred to the point inquiry means 662. The point inquiry means 662 transmits the point search result to the system compatible terminal UT of the user U, and displays the point information on the screen of the system compatible terminal UT.

If the user request acquisition means 631 is a payment request for points accumulated by the user U, the control is transferred to the point payment request reception means 640 and analyzed after the user U payment request is analyzed. When some of the results accumulated in the point storage device 610 are used for purchase and discount of products handled by the seller, the control is transferred to the point use means 641 and used for purchase and discount of the products handled by the seller. .

In addition, after analyzing the payment request of the user U, if the analysis result purchases a point exceeding a certain level accumulated in the point accumulation device 610, the control is transferred to the point purchase means 642, and the purchased point is converted into cash. With reference to the cash conversion rate storage device 615 by means 643, premium points are converted into cash by a cash conversion rate obtained by multiplying a specific value that changes in conjunction with the economic situation at the time of conversion.

The converted cash is applied to the additional payment premium for the premium payment insurance product FA developed by the insurance company F that has entered into an insurance contract with the user U, and used as the fund for the pension received after the payment period expires. be able to.

If the user request acquisition unit 631 requests the user U to transfer the accumulated points, the control is transferred to the point transfer request receiving unit 650. The point transfer request receiving unit 650 transfers control to the point transfer destination search unit 651 after receiving the transfer destination user information designated by the user. The point transfer destination search means 651 searches the user information storage device 612, confirms that the transfer destination user V exists, and then transfers control to the point transfer means 652. The point transfer unit 652 performs point transfer accumulation on the point storage device 610 of the transfer destination user V that has received the point of the user U stored in the point storage device 610 by the point transfer request reception unit 650.

As described above, according to the premium savings pension system of the present invention, in order to improve the problems of the conventional point card system, every time a product is purchased, premium money as a reward corresponding to the purchase price is deposited. A single center computer equipped with the system function of the premium savings pension system of the present invention for the invention of the prior application that allows the deposit application to be repaid based on a predetermined contract condition after a certain period of time. As a result, it has become possible to invest in a network of dealers participating in this system without much investment and effort.

Also, the accumulated premium money is replaced with points once and accumulated, and the accumulated points are transferred to third parties such as parents, children, grandchildren, etc. As a result, the public pension system can be supplemented to ensure a rich retirement life.

In addition, since the cash conversion rate for converting points into cash is converted by a cash conversion rate obtained by multiplying a specific value that changes in conjunction with the economic situation at the time of conversion, even after a certain period of time, There is no disadvantage to consumers.

Furthermore, according to this system, future pensions will be provided to users for various products including cultural and artistic activities such as concerts, restaurant meals, etc. at stores, theaters, restaurants, etc. that are members of this system. As the premium money that is returned as is attached, you can expect a repeater of product purchase.

It is a system conceptual diagram which showed the whole structure of the premium savings pension system of this invention. It is a block diagram which shows the function of a center computer.

Explanation of symbols

S system center U user M distributor F insurance company V other user SC center computer SC1 premium money receiving means SC2 premium money accumulating means SC3 point conversion means SC4 point accumulating means SC5 point inquiry means SC6 point using means SC7 point buying means SC8 Cash conversion means SC9 Point transfer means 612 User information storage device 613 Seller information storage device 610 Point accumulation device 614 Point conversion rate storage device 615 Cash conversion rate storage device 616 Sales commodity information storage device

Claims (10)

A premium savings pension system that accumulates premium money commensurate with the purchase price of a purchased product and returns it to the user as a future pension from a pension insurance insurance company that the user has enrolled. In order to provide the service of this system, a center computer is provided in a system center that exchanges a contract with a user and a dealer who handles products purchased by the user, and the center computer is purchased by the user. Premium money receiving means for receiving premium money corresponding to the purchase amount of goods, premium money storing means for storing premium money received by the premium money receiving means, and point conversion means for converting the accumulated premium money into premium points And point accumulation that accumulates converted premium points And a point inquiry means for inquiring premium points accumulated by receiving point inquiry requests from users' terminals, and selling a portion of premium points received by accumulating points payment requests from users terminals Points using means used for purchasing and discounting products handled by a vendor, point purchasing means for receiving premium payment points received from a user's terminal and accumulating above a certain level, and the point purchasing means Cash conversion means to convert the purchased premium points into cash to be applied to additional paid premiums for annuity insurance that the user has enrolled, and one of the premium points accumulated by receiving point transfer requests from users' terminals Point transfer means for transferring the part to point accumulation means of other users Premium savings pension system. The center computer is a user information storage device for authenticating that it is a system member user who has signed a contract with the system center, and for authenticating that it is a system member dealer who has contracted with the system center. The premium savings pension system according to claim 1, further comprising a seller information storage device. 2. The premium saving pension system according to claim 1, wherein the center computer includes a point accumulating device for accumulating premium points for each user by the point accumulating means. The center computer includes a point conversion rate storage device that converts the premium money into premium points by the point conversion means and a cash conversion rate storage device that converts the premium points into cash by the cash conversion means. The premium savings pension system according to claim 1. The point conversion rate storage device and the cash conversion rate storage device each have a point conversion rate and a cash conversion rate obtained by multiplying a specific value that changes in conjunction with an economic situation at the time of conversion. The premium savings pension system according to claim 4. 2. The premium savings pension system according to claim 1, wherein the center computer comprises a sales product information storage device for storing premium money information set for each product by the system affiliated seller. The premium money is divided into consumer accumulation, distributor return, provision for environmental protection and culture / artistic promotion, and is accumulated and managed in the center computer of the system center, respectively. The premium savings pension system according to 1. The premium savings pension system according to claim 1, wherein the accumulated premium points are used for purchase and discount of products handled by a dealer. When the accumulated premium points reach a certain level or more, it is converted into cash, applied to additional paid premiums of annuity insurance that the user has enrolled, and returned to the user as a future annuity. The premium savings pension system according to 1. The premium savings pension system according to claim 1, wherein the accumulated premium points can be transferred from a user to another user who has been authenticated by the user.

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