KR101427390B1 - Pension saving system using accumulated point - Google Patents

Abstract

The present invention relates to a pension accumulating system using an accumulation point generated by on-line and off-line commerce, comprising: a service provider server (4) for integrally managing a pension accumulating system; and an accumulation point A pension company management unit 6 that manages a pension product company that provides a pension product so as to be able to subscribe to a personal pension, a point business management unit 8 that manages a point business that provides a payout point, A client management unit 10 for encrypting, storing and managing the personal information of the client 2 including the resident registration number and the business number for inquiring in the client information database 12, A point management unit (1) for inquiring points accumulated for each company and transferring them to the point account 4), a pension product management unit 18 that subscribes to the pension product of the pension business management unit 6 and manages the monthly payment of money transferred from the point account with the amount deposited in the point account, The pension product is confirmed by the personal information of the client 2 including the resident registration number and the business number of the client and the pension product registered by the client 2 is checked by the client 2, the service company server 4, (6), the notary contract management department (20) to sign a pension contract with the amount of money distributed by each company, and then notarized the pension product through the notary There is an effect of ensuring safety for a pension product.

Description

[0001] PENSION SAVING SYSTEM USING ACCUMULATED POINT [0002]

The present invention relates to a pension fund accumulation system using a pension fund point for joining a personal pension product using an accumulation point generated in on-line and off-line commercial transactions and protecting the pension product through notarization.

In general, private pensions refer to pension savings schemes to which individuals are entitled to retirement. As a national pension system or retirement allowance, it is possible that the old age may be unstable, so it is intended to increase interest in long-term savings and to promote the development of the financial market.

These personal pension savings are made in the form of a monthly payment after the individual pays a certain amount of money each month for the designated contract for the aged and the contract period expires.

On the other hand, the accumulation points generated by the use of credit cards, purchasing products on the on-line and off-line, and using the service are receiving a great deal of response in the sense of compensating a certain percentage of the purchase amount. .

The pay-off point is paid to the user according to the amount of usage, which is provided by the vendor only, so that the user can not appropriately use the pay-off point.

In other words, each company providing the installment point wants to use only the installment point provided by their own company, so that the use of the installment point must be limited to the point provider or the affiliate company.

In order to solve such a problem in the past, JP-A-10-0358487 (name: fund back system) is disclosed.

The above-described fund back system is for collecting and cashing a small amount of various installment points that are difficult to cash, and then investing in a financial transaction to generate a profit.

However, if the cash-set point is transferred to a merchandise bank or a company, the pension product bank or the bankruptcy of the pension product will be damaged during the contract period.

Accordingly, the object of the present invention is to collect personal pension points by integrating and accumulating points accumulated for each company by on-line and off-line commercial transactions, and then subscribing to pension products such as personal pensions and protecting pension products through notarization Method.

The present invention according to the above object is to provide a pension accumulation system using a pension accumulation point generated by on-line and off-line commercial transactions, comprising a service provider server (4) integrally managing a pension accumulating system, A pension company management unit 6 that manages a pension product company that provides pension products including pension savings, pension insurance, variable insurance, immediate pension, and retirement pension so that the pension product can be subscribed to the personal pension A shopping mall that earns points and earns points, a credit card company that earns card points, a bank that provides points for exchanging money, an airline that earns air mileage, a construction company that earns points based on real estate transactions, Includes a travel agent that earns points, and a cashback client who buys goods through offline and offline clients (2). Age and address provided by the client 2 in order to inquire the accumulation point of the client 2 generated through on-line and off-line commerce, a point company management unit 8 for managing the point- (2) provided from the client (2) to inquire the personal information of the client (2) including the address, address, contact, resident registration number, A client management unit 10 that encrypts personal information of a parent, a child, a sibling, and others and stores the personal information in the client information DB 12 and manages the personal information; The point management unit 14 constitutes a point management unit 14 for transferring money to a point account, In order to inquire the accumulated points of the stunt companies, personal information of the client 2 provided through the client DB 12 is used to inquire points by using the personal information of the other person provided for point summation, and the number of inquiries, A point inquiry unit 16a for notifying the client 2 of point inquiry information including contents and a inquiry company so as to minimize the outflow of personal information, and a point inquiry unit 16a for informing the point A point exchange unit 16b for exchanging cash according to the exchange rate per point company, notifying the client 2 of the exchanged amount and informing the exchanged amount to the point account of the client 2, and a point exchange unit 16b And transfers the exchanged cash to the point account of the client (2) and manages it. The sum of the cash with the consent of the client (2) And a point account management unit 16c for managing the deposit state of the pension product registered in the pension company management unit 6 by using the money deposited in the point account management unit 16c and registering the pension product If the sum of money transferred does not reach the pension commodity entry amount, it is notified to the client 2 to receive the cash to the point account of the client 2. The remaining amount after the pension commodity is notified to the client 2, A pension product management unit 18 for selectively providing the pension product to the account or the remittance of the client to the personal bank account of the pension product management unit 18 by the personal information of the client 2, (2), a service provider server (4), and a pension company management department (6) with respect to the pension product to which the pension product belongs. Earn a pension system funded by a point that is characterized by the configuration of pension insurance amounts to Shaanxi notarized contract management (20) to be guaranteed through a notary.

In addition, in the pension accumulation method using the accumulation point generated by on-line and off-line commercial transactions, the client 2 accumulates accumulation points using the accumulation cards for accumulating points during on-line and off-line transactions, The personal information of the other person who wants to accumulate the points by adding the name, the age, the address, the e-mail address, the contact, the resident registration number of the client, the business registration number in case of the business, And the personal information of the client 2 provided to the service company server 4 and the personal information of the other person to be added to the service provider server 4 through the point inquiry unit 16a, The vendor server 4 has at least the client 2 for the point inquiry accumulated for preventing the use of the private information indiscriminately A process of notifying only the personal information and notifying the client 2 of the personal information and a point inquiry unit 16a to check accumulated point information distributed by each point company, Point exchange unit 16b to transfer money to the point account of the client 2 and notify it to the point account of the client 2 and notify the client 2 that there is no accumulated point when there is no accumulated point And a point exchange request is sent to the point account management unit 16c by exchanging the points transferred to the point account of the client 2 via the point exchange unit 16b The annuity product management section 18 determines whether or not the subscription to the annuity product is possible, The pension products that have been added to the pension products include instant pensions and retirement pensions. The pension products that have been added are searched for points accumulated each month, exchanged according to the exchange rate, added up, and added to the points account of the client (2) If there is cash in the point account of the client (2) that does not meet the subscription of the pension product or the monthly payment, the client (2) notifies the client of the cash payment and deposits the cash to the point account to join the pension product or deposit the monthly payment And confirms the subscription of the pension product using the personal information including the resident registration number and the business registration number of the client 2 through the notarized contract management unit 20 in order to protect the pension product to which the client 2 subscribes, (2), a service provider server (4), and a pension company management unit (6) It is confirmed whether the amount of money remains in the point account of the client 2 after the registration of the commodity or the payment of the monthly payment, and the client 2 is notified of the remaining amount, and the remaining amount is deposited into the bank account of the client 2, The method of claim 1, further comprising the steps of:

In the present invention, the accumulated accumulated points of each company are summed up to be converted into cash, the pension product is subsidized with the converted amount, and the notarized contract is executed through the notarized company to secure the safety of the pension product There is an effect that can be.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a configuration diagram of a pension accumulation system using an accumulation point according to an embodiment of the present invention; FIG.
FIG. 2 is a detailed block diagram of the point management unit in FIG. 1;
FIG. 3 and FIG. 4 are flowcharts of a control of the pension accumulation method using the accumulation point according to the embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a pension accumulation system according to a preferred embodiment of the present invention will be described in detail with reference to the accompanying drawings.

Fig. 1 shows the construction of the pension accumulation system using the accumulation point. The accumulation point can be utilized by cashing the accumulation points generated in the on-line and off-line commercial transactions and adding the accumulated accumulation points to the pension product subscription such as the personal pension. Can be safeguarded through notarized contracts to enhance safety. It is desirable to earn such points by using a credit card issued by a service provider.

The service provider server 4 inquires the points accumulated for each company by using the personal information provided from the client 2, and cashes the collected points to join the pension product. The service company server 4 receives the pension product from the pension company management unit 6, A point company management section 8, a client management section 10, a point management section 14, a pension product management section 18 and a notarial contract management section 20.

The client management unit 10 of FIG. 1 manages the personal information provided by the client 2 in order to inquire the accumulation point occurring in the on-line and off-line commerce. Such personal information is used to inquire distributed points for each point company. The personal information may be a name, an age, an address, an e-mail address, a contact, a resident registration number of a client 2, Is preferably stored and managed in the client information DB 12 by encryption. The client information DB 12 transmits the personal information provided from the client 2 to the point management unit 14.

The client management unit 10 receives the information of the other client 2 to be added with the accumulation point according to the agreement of the client 2 and stores the received information in the client information DB 12, And manage it as a point account. The client 2 to sum up the accumulation points may be a parent, a child, a sibling, etc. and may be other clients 2 who wish to sum up the accumulation points.

The point vendor management unit 8 of FIG. 1 manages point companies to inquire distributed accumulated points using personal information of the client 2, and the point vendor provides point-of-sale points by on-line and off- For example, a shopping mall that purchases products online and earns points, a card company that earns card points, a bank that provides points for exchanging money, an airline that earns airline mileage, and points according to real estate transactions. A construction company to earn, a travel agent to earn points according to the purchase of a tourist travel product, and a cash back accumulation by purchasing products on and offline.

Further, it is possible to add a company that is not registered in the point vendor management unit 8 but newly added at the request of the client 2 to provide the installment point, to be.

The point management unit 14 of FIG. 1 inquires the accumulated accumulation point by company using the personal information provided by the client 2 and consolidates and accumulates the collected accumulation point. The point inquiry unit 16a, the point exchange unit 16b ), And a point account management unit 16c.

The point inquiry unit 16a of FIG. 2 manages the point-of-sale points of the point companies registered in the point company management unit 8 to be inquired by using the personal information transmitted through the client information DB 12, Use only minimal personal information. Such personal information notifies the client 2 of the number of times of inquiry, the inquiry content, and the point inquiry information of the inquiry company each time the point inquiry is used, thereby preventing personal information from being leaked.

The point inquiry unit 16a manages the inquiry of the points accumulated for each company by using the personal information of the other client 2 provided by the consent of the client 2, And is added to and managed by the client 2 that has provided the personal information.

The point exchanging unit 16b of FIG. 2 manages exchange of the accumulation points searched for by the point maker through the point inquiry unit 16a into cash according to the exchange ratio of each point maker. The cash amount is notified to the client 2 according to the exchange ratio of each point company. The cash exchanged through the point exchange unit 16b is deposited and managed in the point account management unit 16c.

The point account management unit 16c in FIG. 2 deposits and manages the cash exchanged by the point exchange unit 16b in the point account, and joins the pension commodity with cash accumulated in the point account. The point account management unit 16c integrates and manages the point accounts of the other clients 2 who have exchanged the points together with the point account of the client 2 under the agreement of the client 2.

Referring again to FIG. 1, the pension company management unit 6 manages a subscriptionable pension product company using cash accumulated in the point account, and provides the client 2 with information on the pension product. The annuity products provided by the pension product management companies managed by the pension business management department (6) can be pension savings, annuity insurance, variable annuity, immediate annuity, retirement annuity, etc. If necessary, ) To provide pension products corresponding to

The pension product management unit 18 of FIG. 1 manages the subscription of the pension product provided by the pension company management unit 6, and manages the payment status of the pension product. The pension product management unit 18 joins the pension product with the amount accumulated in the point account and notifies the client 2 when the amount of money exchanged according to the exchange rate is less than the amount that can be registered in the pension product, It is a constitution that protects through the notarization of the annuity product which it joins by making the cash payment to the account. In addition, the annuity amount deposited every month after the pension subscription is managed in the same manner as the pension product subscription.

The pension product management unit 18 notifies the client 2 of the remaining amount by subscribing to the pension product and notifies the remaining amount to the point account in accordance with a request from the client 2, Deposit it in your account and manage it.

The notarial contract management unit 20 of FIG. 1 protects the annuity products purchased through the annuity product management unit 18 through notarization. The notarial contract management unit 20 notifies the notarized contract management unit 20 of the notarized agreement between the client 2, the service company server 4, Manage contracts. The notarization contract is made between the client 2, the service provider server 4, the service provider server 4 and the pension company management 6, and through this notarization, the security of the pension product have. If the pension company to which the client (2) subscribes subsequently goes bankrupt, the pension insurance amount can be guaranteed by notarization.

Hereinafter, a method of accumulating pension using the accumulation point according to a preferred embodiment of the present invention will be described in detail.

First, the client 2 accumulates the accumulation point by using the accumulation card for the point during the on-line and off-line commercial transactions and inputs the name, age, address, e-mail address, Personal information such as a resident registration number and a business registration number in the case of a business entity to the service company server 4. (S100)

The service provider server 4 inquires of the earliest point of the client 2 that occurred in each company through the point inquiry unit 16a using the personal information provided from the client 2 at step S102, 4 use only the minimum personal information for point inquiry and notify the client 2 when using the personal information to prevent the use of the irrelevant personal information.

At this time, the personal information of the other client 2 provided under the agreement of the client 2 can be used to inquire the accumulated points for each point company, and to add up the points. The points that can be summed up above are possible under the consent of the client 2 and the information of the client 2 is preferably the personal information of the family members and the personal information of the other person provided by the client 2 Lt; / RTI >

(S104). If the accumulated points are found, the client 2 is notified of the accumulated points, and the client 2 is made to realize the accumulated points (S106) At this time, the money is exchanged into cash according to the exchange ratio of each company through the point exchange unit 16b, and the exchanged cash is deposited into the point account of the client 2. When the points accumulated by the point inquiry unit 16a are not retrieved, the client 2 is notified that there are no accumulated points, and the inquiry is held until the point inquiry of the client 2 is received.

(S108). The client 2 exchanges cash via the point exchange unit 16b with the pension product management company 6 through the pension product management company 6 You will be enrolled in a variety of annuity products such as pension savings, annuity insurance, variable annuity, immediate annuity, retirement annuity, etc. (S112). The participating pension products inquire the accumulated points every month, exchange money according to the exchange rate, add the monthly payment by using the cash deposited in the point account. The registered pension product notifies the client 2 of the amount to be paid each month through the pension product management unit 18 and transfers the monthly payment from the point account every month.

In this case, if the amount of money to be exchanged is less than the monthly payment, the client 2 is notified of the amount of money required for the point account, (S110), the monthly payment of the pension commodity is added to the pension commodity.

The notarized contract management unit 20 protects the annuity products to which the client 2 is subscribed by the notarized contract management unit 20. The notarized notification is transmitted to the client 2, the service company server 4, the service company server 4, (S114). The pension products protected by notarization can reduce the risk that may arise due to the unpaid benefit when the pension expires and the insurance payment is received.

The pension product management unit 18 transfers money to the point account, deposits the monthly payment of the pension commodity, checks whether the amount of money remains in the point account, notifies the client 2 of the remaining amount (S116) (S118) and whether or not to deposit the money in the bank account of the client 2 (S120). When you accumulate the amount in the point account, the balance will be accumulated in the account and can be used at the time of depositing the next payment.

As described above, according to the present invention, the accumulated accumulation points distributed by each company are added up to cash, the registered money is added to the pension product, and the notarized contract is executed for the pension product through the notarized company. There is an effect that the safety of the product can be guaranteed.

While the present invention has been described in connection with what is presently considered to be practical exemplary embodiments, it is to be understood that the invention is not limited to the disclosed embodiments. Therefore, the scope of the present invention should not be limited by the described embodiments, but should be determined by the scope of claims and equivalents thereof.

2: Client
4: Service provider server
6: Management of pension companies
8: Point business management department
10: Client management section
12: Client information DB
14: Point management section
18: Pension product management department
20: Notary Contract Management Department

Claims (10)

In a pension accumulation system using an accumulation point generated by on-line and off-line commercial transactions,
A service company server 4 that integrally manages the pension award system,
A pension business manager (6) who manages pension products that provide pension products, including pension savings, pension insurance, variable insurance, immediate pension, and retirement pension, so that client (2) )Wow,
A shopping mall in which a client (2) purchases online goods and earns points, a card company that accumulates card points, a bank that provides points due to currency exchange, an airline that earns air mileage, a construction company that accumulates points according to real estate transactions, A point vendor management unit 8 for managing a provisioning point provider including a travel agent for accumulating points for purchasing travel goods and a cash back provider for purchasing goods through offline or offline purchase by a client 2,
An address, an e-mail address, a contact address, a resident registration number provided by the client 2, and a business number in the case of a business entity in order to inquire the accumulation point of the client 2 generated through on- 2, and the personal information of the parents, children, siblings, and others of the client 2 received from the client 2 in order to inquire the accumulation point to be added with the consent of the client 2, A client management unit 10 for storing the management information in the management server 12,
A point management unit (14) for inquiring points accumulated for each point company using the personal information of the client management unit (10), exchanging the points, and depositing the points into the point account,
The point management unit 14 manages the personal information of the client 2 provided through the client DB 12 and the personal information of the other person provided for point summation in order to inquire the accumulation point of the point companies registered in the point company management unit 8 A point inquiry unit 16a for notifying the client 2 of point inquiry information including the number of inquiries, inquiry contents, and inquiry company at each point inquiry to minimize the outflow of personal information,
Point point inquiry unit 16a to cash according to the exchange rate for each point-of-sale company, informs the client 2 of the exchanged amount, notifies the point-in-time account of the client 2, A point exchange unit 16b,
A point account management unit 16c for collecting and managing the point accounts of the exchanged other persons by depositing and managing the cash exchanged by the point exchange unit 16b in the point account of the client 2, ),
Management of the pension product registered in the pension company management unit 6 by using the money deposited in the point account management unit 16c, and when the exchange amount of the sum of points to join the pension product is less than the pension product entry amount The client 2 notifies the client 2 of the payment of the cash to the point account of the client 2 and informs the client 2 of the remaining amount of the pension product to be deposited in the point account or remitted to the client's personal bank account A pension product management unit 18 that selectively provides the pension product management unit 18,
The pension product managed by the pension product management unit 18 is confirmed by the personal information of the client 2 and the pension product registered by the client 2 is checked against the client 2, the service company server 4, (6), and a notarial contract management unit (20) for making it possible to secure the amount of the pension insurance through a notarial at the time of bankruptcy of a company that subscribed to the pension commodity. Earning system.
delete delete delete delete In a pension accumulation method using an accumulation point generated by on-line and off-line commercial transactions,
Age, address, e-mail address, contact address, resident registration number, business operator name, and so on of the client 2 in order to accumulate the accumulation point using the accumulation card for accumulating points during the on- Providing the service provider server 4 with the personal information of the other person who wishes to accumulate points by adding the personal information including the business registration number,
The service provider server 4 inquires the points accumulated by the point vendor through the point inquiry unit 16a using the personal information of the client 2 provided to the service provider server 4 and the personal information of the other person to be added, A step of using only the minimum personal information of the client 2 and informing the client 2 thereof of the acquired point information for preventing the use of the irrelevant personal information,
The accumulated points are distributed to the points company 16a through the point inquiry unit 16a to confirm the points. If the accumulated points exist, the points are exchanged in cash according to the exchange rate of each point company through the point exchange unit 16b It notifies the client 2 that there is no accumulated point and reserves the inquiry until there is a point inquiry request of the client 2 Process,
The money exchanged through the point exchange unit 16b and transferred to the point account of the client 2 is checked by the point account management unit 16c to see if it is possible to subscribe to the pension product and the pension product management unit 18 The pension products that are included in the pension products are added to the pension products including the pension savings, pension insurance, variable annuity, immediate pension and retirement pension provided by the client ), And if there is cash in the point account of the client 2 that does not meet the subscription of the pension product or the monthly payment, the client 2 is notified of the cash payment and the cash is transferred to the point account A subscription to a pension product or a payment of a monthly payment,
The client 2 confirms the subscription of the pension product using the personal information including the resident registration number and the business registration number of the client 2 via the notarized contract management unit 20 in order to protect the pension product to which the client 2 subscribes, A process of concluding a notarized contract between the service provider server 4 and the pension company management unit 6,
The pension product management unit 18 confirms whether the amount of money remains in the point account of the client 2 after the addition of the pension product or the payment of the monthly payment, and notifies the client 2 of the remaining amount, And depositing the money in the account of the client (2), and selectively accumulating the money in the point account of the client (2).
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