KR101227034B1 - Goods pension management system and method - Google Patents

Abstract

PURPOSE: A product pension management system and a method thereof are provided to manage accumulated money as pensions by accumulating a part of the money paid for a product by a consumer. CONSTITUTION: A payment collecting unit(105) collects a first payment from a seller. An accumulated pension money calculating unit(110) calculates a first accumulated pension of the collected first payment at a predetermined ratio. An accumulated pension money extracting unit(115) extracts a second accumulated pension possessed by first members from the first accumulated pension. A first beneficiary notification unit(120) notifies whether one of the first members is selected as a beneficiary. [Reference numerals] (105) Payment collecting unit; (110) Accumulated pension money calculating unit; (115) Accumulated pension money extracting unit; (120) First beneficiary notification unit; (125) First beneficiary designation unit; (130) First beneficiary pension accumulating unit; (135) First beneficiary pension providing unit; (200) 1-1 member terminal; (220) 1-2 member terminal; (230) 1-3 member terminal; (240) 1-4 member terminal; (300) Seller terminal; (600) Wire/wireless communication network

Description

Merchandise pension management system and method {GOODS PENSION MANAGEMENT SYSTEM AND METHOD}

The present invention relates to a product pension management system and method, and more particularly, to a product pension operation system and method for earning and operating a portion of the profits of the cost of the consumer to purchase and pay the sobaja pension. .

As the dietary and medical technology develops, the elderly population is rapidly increasing, while the lack of jobs raises the livelihoods of the elderly.As a way to solve these problems, insurance and pensions for the retirement System is implemented.

Pensions are a series of regular payments to retired persons for reasons of old age, abolition, and termination of contract work. There are two types of defined benefits (DB) and defined contributions (DC).

These pension systems differ in the details of how they are paid or the type of benefits they pay, but workers or companies earn a certain amount of their earnings in advance and pay them after a certain age.

However, the pension accumulation and payment method as described above has a problem in that a person with a certain income can receive benefits because it is possible to receive benefits in the case of no income or a small income, it is difficult to receive the benefits.

The present invention has been made to solve the above-described problems, the present invention by earning a portion of the amount paid by consumers when purchasing the goods, by operating it as a pension to pay a certain condition in the future, even to people without income The aim is to provide a system and method for the operation of a product pension that can benefit from pensions.

Another object of the present invention is to provide a product pension management system and method for collecting and paying all pensions operated upon purchase of a product to one person included in the same member of a consumer.

In order to accomplish the objects of the present invention as described above and to carry out the characteristic functions of the present invention described below, features of the present invention are as follows.

According to an aspect of the present invention, a product pension management system comprising a product pension server that manages a portion of the profits of the product as a pension and pays the beneficiary, wherein the product pension server is a cash payment or a payment for the purchase of the product by the consumer; A payment amount collection unit collecting the first payment amount from the seller when the payment is made by a credit card; A pension reserve calculation unit configured to calculate a first pension reserve at a predetermined rate for each of the collected first payment amounts; A pension reserve extracting unit for extracting a second pension reserve owned by the first member among the first pension reserves based on personal information of a first member of the consumer; A first beneficiary notification unit for informing the first member whether to designate one of the first members as a beneficiary; A first beneficiary designation unit for accepting approval of the first member and designating one of the first members as the beneficiary in response to indicating whether the beneficiary is designated; A first beneficiary pension earning unit configured to generate and store a third pension reserve by collecting the second pension reserve in correspondence with the one designated as the beneficiary; And a first beneficiary pension payment unit which notifies and pays the stored third pension reserve according to a prescribed payment rule as the payment date of the third pension reserve arrives. do.

Here, the merchandise pension server according to an aspect of the present invention, the sales price and credit of the seller using the second payment price remaining after subtracting the calculated second pension reserve from the first payment price of the first member A settlement price calculator for calculating fees and taxes of the credit card companies; And a calculation information providing unit for providing the calculated selling price, fee, and tax to the person concerned.

In addition, the product pension server according to an aspect of the present invention, the second beneficiary notification to notify the first member that the change in the beneficiary has occurred to the first member when the beneficiary designated as the first person changes part; A second beneficiary designation unit for receiving another approval of the first member in response to the re-notification and designating another one of the first members as the beneficiary; A second beneficiary pension earning unit for converting and storing the third pension reserve into a fourth pension reserve in correspondence with the other person designated as the beneficiary; And a second beneficiary pension payment unit that notifies and pays the stored fourth pension reserve to the other person according to a prescribed payment rule as the payment date of the fourth pension reserve arrives.

In addition, according to another aspect of the present invention, a method of operating a product pension that pays to the beneficiary by operating a portion of the profit of the product as a pension, (a) when the consumer pays in cash or credit card as the price for purchasing the product Collecting the settlement payment; (b) calculating a pension reserve at a predetermined rate for each of the collected first payments; (c) extracting pension reserves owned by the first member of the pension reserves based on personal information of the first member of the consumer; And (d) designating any one of the first members as a beneficiary of the extracted pension reserve.

Here, the method for operating a product pension according to another aspect of the present invention includes (e) re-notifying the designation of the beneficiary to the first member when a change occurs as the designated single beneficiary; And (f) reassigning the other person to the beneficiary under the consent of the first member.

The present invention by earning a pension that is operated in accordance with the purchase of goods to provide a pension benefit to all consumers who do not have an income, so that the whole industry is activated by stimulating the consumer life, and as a reward for promoting consumption Pension benefits to consumers are ensured to ensure stable retirement.

In particular, by collecting and paying pensions to certain members of the members, it is possible to further promote the management of pensions, and furthermore it is effective to ensure the retirement of the difficult life target.

1 is a diagram illustrating a product pension management system according to a first embodiment of the present invention by way of example.
2 is a diagram specifically illustrating a product pension server 100 according to the first embodiment of the present invention.
3 is a diagram exemplarily illustrating a further configuration of the product pension server 100 according to the first embodiment of the present invention.
4 is a diagram illustrating another additional configuration of the product pension server 100 according to the first embodiment of the present invention.
FIG. 5 is a diagram exemplarily illustrating a method of managing a product pension (S100) according to a second exemplary embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings, so that those skilled in the art can easily carry out the present invention. In the drawings, like reference numerals refer to the same or similar functions throughout the several views.

First Embodiment

1 is a diagram illustrating a product pension management system according to a first embodiment of the present invention by way of example.

As shown in FIG. 1, the product pension management system according to the first embodiment of the present invention is a system for operating a product pension of a consumer so that a consumer who purchases a product can enjoy pension benefits to all consumers. The server 100, the consumer terminal 200, the seller terminal 300, the National Tax Service server 400, the credit card company server 500 and the wired / wireless communication network 600 are configured.

The commodity pension server 100 according to the present invention is a server for providing a commodity pension service, and is a server that accumulates a predetermined amount for each commodity when a consumer purchases commodities. The method of accumulating pensions to be applied here is preferably set aside at a predetermined rate for each sale price of the pension according to the agreement of the seller, credit card company, manufacturer and tax manager.

However, the pension earning method is not limited to the above, and various salary earning methods may be employed, for example, by selecting a method of earning a pension by separating a portion from the net profit of the seller who sold the product.

In addition, the product pension server 100 according to the present invention manages the accumulated pension for each consumer, or manages the pension accumulated in accordance with the first member of the consumer (for example, family, relatives), or each product Each management may be performed in parallel with the management of the product pension service, such as managing the seller's sales price, taxes, and credit card fees.

To this end, the commodity pension server 100 according to the present invention is linked to the consumer terminal 200, seller terminal 300, IRS server 400, credit card company server 500 connected to the wired and wireless communication network 600, respectively. Can be.

That is, first, the consumer terminal 200 according to the present invention performs authentication in order to subscribe to the product pension service, is used as a means for inputting their personal information, etc., as well as cash for purchasing a product for each consumer. In case of payment by credit card, it can be used as a means of performing a function of credit card.

In addition, it may be used as a means for responding to the request of the product pension server 100. The means as a response to the request of the merchandise pension server 100 will be fully understood later through FIGS. 2 to 4.

Next, the seller terminal 300 according to the present invention pays the payment price added to the product when the consumer pays the product by cash or credit card (the consumer terminal 20 that becomes a credit card), the product he sold Check your payout. Confirmed payment is preferably sent to the product pension server 100 described above.

However, the present invention is not limited thereto, and may be transmitted to the consumer terminal 200, the National Tax Service server 400, and the credit card company server 500, if necessary. On the other hand, the selling price, which is the net profit of the product sold by the user, can be checked in conjunction with any one of the product pension server 100, the National Tax Service server 400, and the credit card company server 500.

Next, the bureau server 400 according to the present invention is a server that calculates and collects a tax added to a certain amount for each product purchased by the consumer, and for this purpose, it is preferable to be linked with the product pension server 100 and the seller terminal. In connection with 300, the credit card company server 500, etc., the tax added to each product may be received.

Next, the credit card company server 500 according to the present invention is a server for collecting a fee for each product when a consumer purchases a product using his or her credit card, and works with the product pension server 100 described above. The fee may be collected in conjunction with the seller terminal 300 or the IRS server 400.

As such, the seller terminal 300, the bureau server 400 and the credit card company server 500 according to the present invention is preferably linked to the product pension server 100 to perform each unique function, but directly It can also be passed from its associated configuration to perform its own functions and can be passed on to other configurations.

Finally, the wired and wireless communication network 600 according to the present invention is a communication network formed between the product pension server 100, the consumer terminal 200, the seller terminal 300, the IRS server 400 and the credit card company server 500 As a wired communication network, the consumer terminal 200 and / or the seller terminal 300 may be a PC. In the case of a wireless communication network, the consumer terminal 200 and / or the seller terminal 300 may be a mobile communication terminal. have. As such, various devices such as a PC and a mobile communication terminal capable of wired and wireless communication may be used.

Hereinafter, a product pension server that pays a beneficiary by operating a portion of the profit of the product as a pension will be described in more detail.

Example of a Commodity Pension Server

2 is a diagram specifically illustrating a product pension server 100 according to the first embodiment of the present invention.

As shown in FIG. 2, the commodity pension server 100 according to the first embodiment of the present invention includes the settlement price collector 105, the pension reserve calculation unit 110, the pension reserve extraction unit 115, and the first The beneficiary notification unit 120, the first beneficiary designation unit 125, the first beneficiary pension accumulation unit 130, and the first beneficiary pension payment unit 135 are configured.

First, the payment price collection unit 105 according to the present invention collects the first payment price from the seller terminal 300 of the seller when the payment by cash or credit card as a price for the consumer to purchase the product. The first payment price generally means a price charged for each product when a seller sells the product. At this time, the collection of the first payment is not limited to the collection from the seller terminal 300, of course, may be provided from the credit card company server 500.

The pension reserve calculation unit 110 according to the present invention performs a function of calculating the first pension reserve at a predetermined rate for each first settlement price collected by the settlement price collection unit 105. In this case, the method of calculating the first pension reserve may be calculated by separating a predetermined ratio for each product collectively. That is, the first payment amount may be calculated by setting a ratio of 0.2%, which is a predetermined ratio for each product, in the first payment amount.

As another example, the value of each commodity (price, etc.) may be evaluated differently to calculate the first pension reserve by reflecting the ratio of pension reserves differently for each item. As such, the calculation method of the first pension reserve may be different, and is not limited to the above example.

The pension reserve extracting unit 115 according to the present invention receives and stores personal information (for example, name, age, address, phone number, work, relationship, etc.) from a plurality of consumers who are subscribed to a product pension service in advance. At the same time using the information, the first member of the group of consumers further utilizes personally stored personal information. Here, the first member constituting a group means a collection made through a family, a relative, or a meeting.

Accordingly, the pension reserve extracting unit 115 according to the present invention extracts the second pension reserve of the first member of the first pension reserve based on the personal information of the first member stored among the consumers. In other words, not only are the first pension reserves matched and stored for each consumer, but moreover, a new form of second pension reserves is collected and stored separately from the first pension reserve for each first member divided among consumers.

Next, the first beneficiary notification unit 120 according to the present invention is a consumer terminal 200 having a first member whether or not to designate one of the first members as a beneficiary, for example, a 1-1 member terminal ( 210, the 1-2 member terminal 220, the 1-3 member terminal 230, and the 1-4 member terminal 240. Such notification may be periodically generated according to a predetermined cycle or may be generated from time to time at the request of the first member.

Then, the first beneficiary designation unit 125 according to the present invention informs the consumer terminal 200, for example, the result of the first member's acceptance in response to the first beneficiary notification unit 120 indicating whether the beneficiary is designated. After receiving from the 1-1 member terminal 210, the 1-2 member terminal 220, the 1-3 member terminal 230 and the 1-4 member terminal 240, and confirms this from among the first member It plays the role of designating one person as beneficiary. In this case, the acceptance result may be received through the mail, etc., rather than the consumer terminal 200 of each first member, and may be made according to a strict authentication process.

Next, the first beneficiary pension accumulation unit 130 according to the present invention collects the stored second pension reserves owned by the first member in response to one person designated as the beneficiary by the first beneficiary designation unit 125 to collect a third pension reserve. Create and save pension reserves.

As a result, the first beneficiary pension payment unit 135 according to the present invention stores the third beneficiary pension accumulation unit 130 stored in the first beneficiary pension accumulation unit 130 as the payment date of the third pension reserve stored in the first beneficiary pension accumulation unit 130 arrives. 3 The pension reserve is notified to the consumer terminal 200 owned by the first person, for example, the 1-3 member terminal 230, according to a prescribed payment rule.

As a result, one person designated as a beneficiary of the first member may receive all of the accumulated pensions collected by the members alone. In this case, the pension payment method may be paid based on a generally known method or by dividing a reasonable pension by setting a deadline.

As such, the commodity pension server 100 according to the first embodiment of the present invention may not only activate the commodity manufacturing industry by operating a portion of the pension in the future to pay for the purchase price of the commodity consumed by each consumer, In addition, it can guarantee the welfare of old age even for consumers without income.

On the other hand, the product pension server 100 according to the present invention can be performed in conjunction with the consumer terminal 200 and the seller terminal 300, each unique function, but the National Tax Service server 400 and credit card company server 500 ), It can be further integrated with the () to further process its own functions. This will be described in FIG. 3.

Additional configuration example of the commodity pension server

3 is a diagram exemplarily illustrating a further configuration of the product pension server 100 according to the first embodiment of the present invention. As shown in FIG. 3, the product pension server 100 according to the first embodiment of the present invention further includes a payment price calculator 140 and a calculation information provider 145.

The payment price calculation unit 140 according to the present invention subtracts the second pension reserve calculated by the pension reserve calculation unit 110 from the first payment price of the first member using the second payment price remaining of the seller's sales price Calculate your fees and taxes with your credit card company. In this case, in general, the first payment amount of the first member, for example, the second payment amount remaining after subtracting the first pension reserve from the first payment amount of the consumer, according to the preset allocation, the seller's payment amount and the credit card company's fee And calculating taxes as well.

The calculation of the seller's selling price and credit card company's fees and taxes may be generated after first calculating the second pension reserve from the first payment, but may also be calculated simultaneously or first.

Accordingly, the calculation information providing unit 145 according to the present invention provides the person with the selling price, the fee and the tax calculated by the payment price calculating unit 140. More specifically, the sales price calculated by the payment price calculation unit 140 is provided to the sales terminal 300 of the seller, and the fee calculated by the payment price calculation unit 140 is provided to the credit card company server 500. The tax calculated by the payment calculator 140 may be provided to the National Tax Service server 400.

Meanwhile, in the first embodiment, it has been described that the product pension server 100 calculates the sales price, the fee, and the tax added to each product, but the corresponding sales terminal 300, the National Tax Service server 400, and the credit card company server. Each unique function may be performed at 500.

Another additional configuration example for the merchandise pension server

4 is a diagram illustrating another additional configuration of the product pension server 100 according to the first embodiment of the present invention.

Referring to FIG. 4, the merchandise pension server 100 according to the first embodiment of the present invention may enjoy pension benefits when another one of the first members described in FIG. 2 is designated as a beneficiary. The second beneficiary notification unit 150, the second beneficiary designation unit 155, the second beneficiary pension accumulation unit 160, and the second beneficiary pension payment unit 165 may be further included.

First, when a beneficiary designated as one of the first members has a change, the second beneficiary notification unit 150 according to the present invention changes the beneficiary of the beneficiary (for example, when the beneficiaries of the 1-3 members change). ), The first member consumer terminal 200, for example, the 1-1 member terminal 210, the 1-2 member terminal 220, the 1-3 member terminal 230 and the 1-4 member. The terminal 240 notifies of the re-announcement. At this time, the beneficiary's change may occur when the beneficiary dies or fails to receive pension due to special reasons or with the consent of the first member.

Then, the second beneficiary designation unit 155 according to the present invention receives the approval of the first member in response to the provision of the second beneficiary notification unit 150 and reassigns another one of the first members as the beneficiaries. At this time, the re-approval is provided from the 1-1 member terminal 210, the 1-2 member terminal 220 and the 1-4 member terminal 240 of the first member. However, when the first member who owns the 1-3 member terminal 230 is alive, the first member may also be re-approved from the 1-3 member terminal 230.

Accordingly, the second beneficiary pension accumulator 160 according to the present invention may be applied to the first beneficiary pension accumulator 130 described in FIG. 2 in response to the designation of another person designated as a beneficiary, for example, the 1-2 member. The stored third pension reserve is converted into a fourth pension reserve and stored.

Thus, the second beneficiary pension payment unit 165 according to the present invention stores the second beneficiary pension accumulation unit 160 as the payment date of the fourth pension reserve stored in the second beneficiary pension accumulation unit 160 arrives. 4 The pension reserve is notified to another person, eg, the 1-2 member terminal 220 of the 1-2 member according to the prescribed payment rule.

Through this, the other person who is reassigned as a beneficiary of the first member may receive all the accumulated pensions collected by the members alone. In this case, the pension payment method may be paid based on a generally known method or by dividing a reasonable pension by setting a deadline.

As described above, the second beneficiary notification unit 150, the second beneficiary designation unit 155, the second beneficiary pension accumulation unit 160, and the second beneficiary pension payment unit 165 are provided. By transferring or inheriting the pension system based on the purchase of goods to others, it is possible to help guarantee the retirement more beneficial than the existing pension system.

Second Embodiment

FIG. 5 is a diagram exemplarily illustrating a method of managing a product pension (S100) according to a second exemplary embodiment of the present invention.

As shown in FIG. 5, the method of operating a product pension (S100) according to the second embodiment of the present invention is a method of operating a portion of a profit of a product as a pension and paying the beneficiary, and includes steps S110 to S140.

First, the step S110 according to the present invention collects the settlement payment price when the customer pays cash or credit card as the price for purchasing the product.

Thereafter, step S120 according to the present invention calculates pension reserves at a predetermined rate for each payment amount collected in step S110. Pension reserve calculation scheme is fully discussed in FIG.

Thereafter, step S130 according to the present invention extracts the pension reserves of the first member of the pension reserves calculated by step S120 based on the personal information of the first member of the consumer.

Thereafter, step S140 according to the present invention is designated as a beneficiary of the pension reserve extracted in step S120 by receiving one of the first members. In this case, the first member designated as one person is possible only with the consent of another first member. As a result, a stable pension system can be established by paying a pension that guarantees retirement to all consumers who purchase goods, and at the same time, by providing a pension to a person who has difficulty living.

Furthermore, the merchandise pension management method (S100) according to the second embodiment of the present invention may further include steps S150 and S160. That is, in step S150 according to the present invention, when a change occurs as a beneficiary designated by step S140, the reassignment of the beneficiary is notified to the first member. In this case, if the change occurs, the beneficiary may die or may occur under the agreement of the first member.

Thereafter, step S160 according to the present invention reassigns another person as a beneficiary with the consent of the first member according to the re-announcement of step S150. The person to be reassigned must be a member different from one of the first members being received. Therefore, there is an advantage that can flexibly manage the product pension according to the situation of various members.

Meanwhile, steps S110 to S160 described above are preferably performed by the product pension server 100 described with reference to FIGS. 1 to 4, but are not necessarily limited thereto. In addition, more specific meanings and explanations overlapping with FIGS. 1 to 4 will be omitted.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the exemplary embodiments or constructions. You can understand that you can do it. The embodiments described above are therefore to be considered in all respects as illustrative and not restrictive.

100: product pension server 105: payment bill collection unit
110: pension reserve calculation unit 115: pension reserve extraction unit
120: first beneficiary notification unit 125: first beneficiary designation unit
130: first beneficiary pension accumulation unit 135: first beneficiary pension payment unit
140: payment calculation unit 145: calculation information providing unit
150: second beneficiary notification unit 155: second beneficiary designation unit
160: second beneficiary pension accumulation unit 165: second beneficiary pension payment unit
200: consumer terminal 300: seller terminal
400: IRS server 500: credit card company server
600: wired and wireless communication network

Claims (5)

A merchandise pension management system comprising a merchandise pension server that manages a portion of the profits of the merchandise as pensions and pays to beneficiaries, wherein the merchandise pension server,
A payment collection unit configured to collect a first payment from the seller when the payment is made by cash or credit card in exchange for the purchase of the product;
A pension reserve calculation unit configured to calculate a first pension reserve at a predetermined rate for each of the collected first payment amounts;
A pension reserve extracting unit for extracting a second pension reserve owned by the first member among the first pension reserves based on personal information of a first member of the consumer;
A first beneficiary notification unit for informing the first member whether to designate one of the first members as a beneficiary;
A first beneficiary designation unit for accepting approval of the first member and designating one of the first members as the beneficiary in response to indicating whether the beneficiary is designated;
A first beneficiary pension earning unit configured to generate and store a third pension reserve by collecting the second pension reserve in correspondence with the one designated as the beneficiary; And
A first beneficiary pension payment unit that notifies and pays the stored third pension reserve according to a prescribed payment rule as the payment date of the third pension reserve arrives; And
A second beneficiary notification unit to notify the first member that a change in beneficiary has occurred to the first member if the beneficiary designated as the first person has a change;
A second beneficiary designation unit for receiving another approval of the first member in response to the re-notification and designating another one of the first members as the beneficiary;
A second beneficiary pension earning unit for converting and storing the third pension reserve into a fourth pension reserve in correspondence with the other person designated as the beneficiary; And
A second beneficiary pension payment unit that notifies and pays the stored fourth pension reserve according to a prescribed payment rule as the payment date of the fourth pension reserve arrives;
Commodity pension management system comprising a. The method of claim 1,
The product pension server,
A settlement payment calculator configured to calculate commissions and taxes of sales of the seller and credit card companies using the second settlement payment remaining after subtracting the calculated second pension reserve from the first settlement price of the first member; And
A calculation information providing unit for providing the calculated selling price, fee, and tax to the person concerned;
Commodity pension management system further comprises. delete A merchandise pension operation method comprising a merchandise pension server that manages a portion of a profit of a merchandise as a pension and pays it to a beneficiary, wherein the merchandise pension server,
(a) a payment amount collection step of collecting a first payment amount from a seller when a consumer pays a product by cash or a credit card in exchange for purchasing a product;
(b) a pension reserve step of calculating a first pension reserve at a predetermined rate for each of the collected first payments;
(c) a pension reserve extraction step of extracting a second pension reserve held by the first member of the first pension reserve based on personal information of a first member of the consumer;
(d) a first beneficiary notification step of informing the first member whether to designate one of the first members as a beneficiary;
(e) a first beneficiary designation step of designating one of the first members as the beneficiary upon receiving approval of the first member in response to indicating whether the beneficiary is designated;
(f) a first beneficiary pension accumulation step of generating and storing a third pension reserve by collecting the second pension reserve in response to one designated as the beneficiary;
(g) a first beneficiary pension payment step of notifying and paying said stored third pension reserve in accordance with a prescribed payment rule as the payment date of said third pension reserve arrives;
(h) a second beneficiary notification step of re-notifying the first member that a beneficiary change has occurred in the first member if there is a change in the beneficiary designated as the first person;
(i) a second beneficiary designation step of designating another one of the first members as the beneficiary in response to the re-notification;
(j) a second beneficiary pension accumulation step of converting and storing the third pension reserve into a fourth pension reserve in response to the other person designated as the beneficiary; And
(k) a second beneficiary pension payment step of notifying and paying said stored fourth pension reserve in accordance with a prescribed payment rule as payment date of said fourth pension reserve arrives;
Commodity pension operation method, characterized in that consisting of.
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