KR101480540B1 - System and method for pension payment - Google Patents

Abstract

An exemplary embodiment of the present invention includes an input module for receiving information related to a pension payment of a customer, calculating an average life expectancy of the customer using the input pension payment related information, A control module for calculating a pension payment amount, and an output module for displaying the life expectancy, the pension guarantee range, and / or the pension payment amount, and a method of providing the conditional life pension payment system.

Description

[0001] System and method for pension payment [0002]

Embodiments of the present invention relate to a conditional lifetime pension payment system and a method of providing the same.

The pension system is a system in which a certain amount of money is paid each year for the purpose of ensuring the life of the parties and their survivors due to disability, aging, and death.

A pension that is paid for a fixed period of time, regardless of the life or death of the pensioner, is called a defined benefit pension. As long as the insured person survives, the pension calculation method differs from the life annuity that pays the pension for the whole life and the periodic life annuity that the pension is paid on condition that the insured person survives for a certain period. The life annuity is calculated by the planned interest rate and the planned mortality rate, but the defined annuity can only be calculated with the planned interest rate. Types of defined pensions include the yearly pension paid at the beginning of each year and the year-end pension paid at the end of each year. It is also classified as a pension and a deferred pension that begins to pay the pension as soon as the contract begins to be paid immediately after the fixed period. If the amount of the pension is constant every time, it is called the pension annuity.

The main object of the present invention is to provide a quantitative criterion of the pension guarantee rate to the customer who is concerned with the pension receiving period, to provide an opportunity to select the pension receiving period, and in case of premature death of the customer, The present invention provides a conditional life-time annuity payment system and a method of providing the same.

The conditional life-time annuity payment system according to an embodiment of the present invention includes an input module for receiving information related to a pension payment of a customer, an average module for calculating the average life span of the customer using the received pension payment related information, A control module for calculating an annuity guarantee range and an annuity payment amount based on the life span, and an output module for displaying the average life expectancy, the annuity guarantee range, and / or the annuity payment amount.

The pension payment related information may include the age, the pension payment period, the pension payment start date, the pension payment end date, or the pension guarantee rate of the customer.

The pension guarantee rate may be a ratio of the pension payment period to the life annuity payment period from the start of the pension payment to the maximum survival time of the customer.

The pension guarantee period includes the pension payment period and the pension guarantee rate, and the pension payment period may be a period from the start of the pension payment until the end of the pension payment.

When the customer selects the pension guarantee rate, the control module calculates an average life span of the customer, a pension payment end age at which the pension payment ends according to the pension guarantee rate, and a pension payment amount paid until the pension payment end age, The output module may display the life expectancy, the termination date of the pension, and the pension payment amount.

When the customer selects the pension payment period, the control module calculates an annuity payment rate to be paid during the pension payment period based on the average life span of the customer, the average life span, and the output module calculates the average The death certificate, the pension guarantee rate, and the pension payment amount.

Wherein the control module comprises an average life time calculation unit for calculating an average life time of the customer based on the age of the customer, and a control unit for calculating the annuity guarantee rate when the customer selects the pension payment period based on the average life span, An annuity guarantee range calculation unit for calculating the annuity payment period when the pension guarantee rate is selected; and a pension payment amount calculation unit for calculating the pension payment amount to be paid to the customer during the pension payment period.

The average lifetime calculator may determine the average lifetime using an average lifetime DB that stores the average lifetime of each customer.

The control module may control the output module to output through the output module that the customer can select to omit a portion of the pension payment at a time, by reserving some amount of the pension payment to the customer.

If the customer chooses to omit and pay some of the pension payment, the control module calculates the monthly payment to be paid to the customer within the pension payment period with the remaining amount of the pension payment, .

If the customer dies within the pension payment period, the pension payment not paid to the customer may be inherited and paid to the heir of the customer.

The pension payment amount not paid to the customer can pay the unpaid pension payment at a time to the heir.

The pension payment not paid to the customer may pay the unexpired pension to the heir in a pension form.

A method of providing a conditional lifelong pension according to an embodiment of the present invention includes the steps of: receiving customer information on a pension payment from a customer; calculating an average life span of the customer from the received customer information; Calculating a pension coverage based on the customer information, determining a pension payment method from the customer information, and calculating a pension payment amount according to the pension payment method.

The pension payment related information may include the age of the customer, the pension payment period, the pension payment start date, the pension payment end date, the pension guarantee rate, or some reservations of the pension.

The pension guarantee rate may be a ratio of the pension payment period to the life annuity payment period from the start of the pension payment to the maximum survival time of the customer.

The pension guarantee period includes the pension payment period and the pension guarantee rate, and the pension payment period may be a period from the start of the pension payment until the end of the pension payment.

The average life span calculation step may determine the average life span according to the age of the customer using an average life span DB storing an average span of life of each customer.

The pension coverage range calculation step may include calculating a pension coverage amount based on the average life expectancy of the customer and the pension payment termination period based on the pension coverage rate when the customer selects the pension coverage rate, Can be calculated.

Calculating the pension guarantee rate on the basis of the average life span of the customer and the average life span when the customer selects the pension payment period; calculating a pension insurance amount to be paid during the pension payment period; The method comprising the steps of:

In the step of determining the pension payment method, when the customer selects to omit a portion of the pension payment, the pension payment is paid to the customer within the pension payment period with the remaining amount of the pension payment, The monthly payment can be calculated.

If the customer dies within the pension payment period, the pension payment amount not paid to the customer may be inherited and paid to the heir of the customer.

The pension payment amount not paid to the customer can pay the unpaid pension payment at a time to the heir.

The pension payment not paid to the customer may pay the unexpired pension to the heir in a pension form.

According to the embodiments of the present invention, it is possible to provide a customer with an opportunity to select a pension receiving period by providing a quantitative criterion of the pension guarantee rate, and when the customer dies during the pension payment period, the unpaid pension is inherited, There is no harm in the city, and pension payments can be stopped and pension products can be canceled during the period of pension participation.

1 is a block diagram schematically showing a conditional life-time annuity payment system according to an embodiment of the present invention
2 is a table showing average life span and survival probability.
3 is a flowchart schematically showing a pension payment method according to an embodiment of the present invention.
4 is a flowchart schematically showing a method of calculating the pension guarantee range.
5 is a flowchart schematically showing a method of selecting a pension payment method.

Hereinafter, 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. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise. Also, the terms " part, "" module," and " module ", etc. in the specification mean a unit for processing at least one function or operation and may be implemented by hardware or software or a combination of hardware and software have.

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, the present invention will be described in detail with reference to the preferred embodiments of the present invention with reference to the accompanying drawings. Like reference symbols in the drawings denote like elements.

1 is a block diagram schematically showing a conditional life annuity payment system 100 according to an embodiment of the present invention.

The conditional life annuity payment system 100 according to an embodiment of the present invention may mean a logical configuration having hardware resources and / or software necessary for implementing the technical idea of the present invention, It does not mean a single physical component or a single device. That is, the pension payment system 100 may mean a logical combination of hardware and / or software provided to implement the technical idea of the present invention. If necessary, the pension payment system 100 may be installed in a separate apparatus to perform respective functions And may be embodied as a set of logical structures for realizing the technical idea of the present invention. In addition, the pension payment system 100 may mean a set of configurations separately implemented for each function or role for implementing the technical idea of the present invention. For example, each of the control module 110, the input module 120, and / or the output module 130 may be located in different physical devices or may be located in the same physical device. Also, depending on the implementation, the combination of software and / or hardware that constitute each of the control module 110, the input module 120, and / or the output module 130 may also be located in different physical devices, May be organically coupled to each other to implement each of the modules.

In this specification, a module may mean a functional and structural combination of hardware for carrying out the technical idea of the present invention and software for driving the hardware. For example, the module may refer to a logical unit of a predetermined code and a hardware resource for executing the predetermined code, and does not necessarily mean a physically connected code or a kind of hardware. Can be easily deduced to the average expert in the field of the present invention.

1, a conditional life annuity payment system 100 according to an embodiment of the present invention includes an input module 120, a control module 110, and an output module 130, and the control module 110 May include an average expiry date calculation unit 111, an annuity guarantee range calculation unit 113, and a pension payment amount calculation unit 115.

The input module 120 can receive relevant information from the customer in the payment of the pension. Information related to pension payments may include the age of the customer, the period of payment, the date on which the pension is due, the date on which the pension is due, the rate of pension coverage, or a portion of the pension.

Specifically, the age of the customer means the age of the customer at the time of the pension subscription, and the pension payment period means the period from the start of the pension payment to the end of the pension payment. The customer can set the annuity payment period by selecting the start date of the annuity payment and the end date of the annuity payment. The pension guarantee rate means the ratio of the pension payment period according to one embodiment of the present invention to the life pension payment period from the pension payment start date to the customer's maximum survival day. The pension guarantee rate is based on the average life expectancy. This will be described later. The customer may choose to pay some of the total amount of the pension paid and pay it at a time.

The control module 110 may control other configurations (e.g., input module 120, output module 130, etc.) included in the payer payment system 100 to implement the technical idea of the present invention.

The control module 110 calculates the average life span of the customer using the pension payment related information received from the customer, and calculates the pension coverage and the pension payment based on the average life span. The control module 110 may include an average age-of-death calculator 111, an annuity guarantee range calculator 113, and an annuity payment calculator 115.

The average life span calculation unit 111 can calculate the average life span of the customer based on the age inputted by the customer. Average life expectancy is a measure of how many years old people can live on average in the next few years. The average life span xx can be obtained by the following Equation 1, assuming a uniform distribution of the years (UDD). UDD means that the number of deaths by age is evenly distributed over a year.

[Equation 1]

px = (lx + lx + 1 + lx + 2 + ... + lx + n) / lx

Here, lx is the population surviving x years after birth of lo.

Assuming a UDD (Uniform Distribution of Deaths throughout the year), the average life span px can be calculated by the following equation (2). UDD means that the number of deaths by age is evenly distributed over a year.

&Quot; (2) "

px = (lx + 1 + lx + 2 + ... + lx + n) / lx + 0.5

Average life span by age can be stored in average life span database. The average time-of-death calculator 111 can obtain the average life expectancy of the customer in the average life expectancy DB based on the age of the customer inputted by the customer. Average life expectancy is a measure of how many years old people can live on average in the next few years.

The mean life expectancy by age and survival probability after average life expectancy are stored in the average life DB. FIG. 2 is a table showing average life expectancy and survival probability by age group in 2010. FIG. Fig. 2 shows the average life expectancy and survival probability of each age group. The average life expectancy DB can be constructed based on the complete life table published annually by the National Statistical Office. Referring to FIG. 2, the average life span of male clients aged 55 is 25.23 years, and the survival probability is 92.332%.

The pension coverage calculation unit 113 can calculate the pension coverage using the customer information received from the customer. The range of pension coverage means the pension coverage period and the pension coverage rate. That is, the pension coverage calculation unit 113 can calculate the pension guarantee rate based on the average life span when the customer selects the pension payment period, and calculate the pension payment period when the customer selects the pension guarantee rate.

More specifically, when the customer selects the pension payment period or selects the pension payment start date and the pension payment end date, the pension coverage calculation section 113 can calculate the pension coverage rate according to the pension payment period based on the average life span . For example, if a male customer of 55 years old wants to receive a pension up to 80 years of age, the pension coverage calculation unit 113 is based on the average life expectancy calculated by the average life calculation unit 111 as 25.23 years, Calculate that approximately 25 years remain until age 80. The pension coverage calculation unit 113 can obtain a survival probability of 50.839% from the average life expectancy DB to 80 years old. Since the survival probability up to age 80 is about 51%, the pension coverage calculation unit 113 can calculate that the mortality probability of a male customer at 55 years old is about 49% at the age of 80 years. If the male pension guarantee range calculator 113 selects a conditional life pension insurance commodity for which a male customer who is 55 years old pays the pension for an average life of 25 years, the pension guarantee range calculator 113 calculates It is possible to calculate that a pension guarantee rate of about 49% of the life annuity is recognized.

As another example, if a 55-year-old male customer wishes to receive a pension for 30 years, the average life expectancy for a 55-year-old man is 25 years, with a 30-year pension payout of 25 years plus an additional 5 years . Referring to FIG. 2, the survival probability of the life expectancy at the age of 85 years is 32.163%, and the pension coverage calculation unit 113 calculates the probability of death of a male customer at 55 years old about 30% . Thus, the pension coverage rate of conditional life annuity products for which a 55-year-old male client is paid a pension for 30 years is approximately 68%.

On the other hand, when the customer selects the pension guarantee rate, the pension coverage calculation unit 113 can calculate the pension payment period. For example, if a 55-year-old man wishes to join a conditional life annuity product with a pension coverage rate of about 50% against the life insurance, the pension coverage calculator 113 calculates the average The life span can be obtained through the above equation (1) or can be obtained through an average life span DB. 2, the average life span of a 55-year-old male customer is 25 years, and the age at which the probability of survival is about 50% is 80 years, the pension coverage calculator 113 calculates a conditional life- Of the pension is 25 years.

As another example, when a male customer who is 55 years old selects the pension guarantee rate against the life annuity of approximately 90%, the pension guarantee range calculator 113 obtains the average life span of the customer and obtains the additional period according to the pension guarantee rate of about 90%. That is, since the average life span of the customer is 25 years and the age corresponding to the mortality probability is about 90% (that is, the probability of survival is about 10%) is 92 years, the pension coverage calculation unit 113 calculates the pension guarantee rate The pension payment period of conditional life annuity products can be calculated as 37 years (92 to 55 years).

In this manner, the pension guarantee coverage calculator 113 can obtain the pension guarantee rate based on the average life expectancy and can calculate the pension payment period from the pension guarantee rate. Therefore, if the customer sets the pension guarantee rate at 99% The benefit of the life annuity can be enjoyed by the conditional lifetime pension payment system of. A financial institution such as a securities company or a bank that can not handle the life annuity can provide the customer with a product equivalent to the life annuity by using the conditional lifetime annuity payment system of the present invention.

In addition, the conditional lifetime pension payment system of the present invention can provide convenience to the customer in the selection of the conditional lifetime pension by providing the customer who is concerned with the pension receiving period an opportunity to select the quantitative standard of the pension guarantee rate.

The pension payment amount calculation unit 115 can calculate the total pension payment amount to be paid during the pension payment period and calculate the monthly pension payment amount. In addition, the customer may reserve some of the total pension payments paid during the pension payment period, and may elect to pay some of the pension reservations at a time. Accordingly, the pension payment amount calculation unit 115 can calculate the monthly payment amount to be paid on a monthly basis for the pension payment amount excluding the reserve amount.

In addition, if the customer chooses to omit and pay some of the pension benefits, the customer may elect to pay the entirety of some of the partially reserved amounts at a time, and may also select the payment timing.

The output module 130 stores the average life expectancy determined by the average life time calculation unit 111, the pension guarantee rate determined by the pension coverage calculation unit 113, the pension guarantee period, and the pension payment amount determined by the pension payment calculation unit 115 And so on.

The conditional lifetime pension payment system according to an embodiment of the present invention is a system in which, when a conditional lifetime pension product subscription customer dies within the pension payment period in connection with the pension payment, the pension payment amount not paid to the customer is paid to the heir of the customer Can be inherited and paid. The amount of the pension payment not paid to the customer due to the death of the customer may be paid to the heirer at full payment of the advance payment at a time. In addition, pension payables not paid to the customer may be paid in a pension form to the above-mentioned heir. The control module 110 may notify the customer through the output module 130 that the customer can select either a temporary payment for the unpaid amount due to the customer death or a payment method of the pension type after the subscription or subscription to the conditional lifetime pension product.

3 is a flowchart schematically showing a method of providing a conditional-life pension according to an embodiment of the present invention.

Referring to FIG. 3, a conditional lifelong pension payment method according to an exemplary embodiment of the present invention includes: receiving customer information on a pension payment from a customer (S110); receiving an average life of the customer from the received customer information; A step S140 of calculating an annuity guarantee range based on the average life expectancy, a step S140 of determining a annuity payment method based on the customer information, and a step S140 of calculating an annuity payment amount according to the annuity payment method (Step S150).

First, customer information about the pension payment can be inputted from the customer (S110). Information related to pension payments may include the age of the customer, the period of payment, the date on which the pension is due, the date on which the pension is due, the rate of pension coverage, or a portion of the pension. Specifically, the age of the customer means the age of the customer at the time of the pension subscription, and the pension payment period means the period from the start of the pension payment to the end of the pension payment. The customer can set the annuity payment period by selecting the start date of the annuity payment and the end date of the annuity payment. The pension guarantee rate means the ratio of the pension payment period according to one embodiment of the present invention to the life pension payment period from the pension payment start date to the customer's maximum survival day. The pension guarantee rate is based on the average life expectancy. The customer may choose to pay some of the total amount of the pension paid and pay it at a time. In addition, the customer can enter the condition whether he or she pays the unpaid pension amount to the heirs at a time or pays the heirs in the form of a pension when the customer himself / herself dies during the pension payment period.

Next, the average life span of the customer can be calculated from the received customer information (S120). The control module 110, in particular, the average life time calculation unit 111 can calculate the average life span of the customer based on the age inputted by the customer as described above. The average life span can be calculated by the above equation (1) or can be obtained by an average life span DB.

Next, the pension guarantee range can be calculated based on the average life expectancy (S130). The range of pension coverage means the pension coverage period and the pension coverage rate. That is, the pension coverage calculation unit 113 can calculate the pension guarantee rate based on the average life span when the customer selects the pension payment period, and calculate the pension payment period when the customer selects the pension guarantee rate.

4 is a flowchart schematically showing a method of calculating the pension guarantee range. Referring to FIG. 4, the control module 110 confirms whether information on the pension payment term is inputted from the customer (S131). If information on the pension payment period has been input, the pension coverage calculation unit 113 calculates the pension coverage rate as described above based on the average life expectancy (S132). If information on the pension coverage period is not input and information on the pension coverage ratio is input (S133), the pension coverage calculation unit 113 calculates the pension coverage period based on the average life expectancy and the pension coverage rate (S134) .

Next, the pension payment method is determined from the customer information (S140), and the pension payment amount is calculated according to the pension payment method (S150).

5 is a flowchart schematically showing a method of selecting a pension payment method. Referring to FIG. 5, the control module 110 confirms whether the customer has selected the monthly payment type regarding the pension payment (S141). When the monthly payment type is selected, the pension payment amount calculation unit 115 can calculate the monthly pension payment amount based on the pension payment period and the total pension payment amount (S150). However, if it is decided to reserve some of the total pension payment (S142), the control module 110 requests the customer for the payment amount of the reserve amount and the reserve amount, and sends the monthly payment amount based on the information (S150).

The embodiments of the present invention described above are not only implemented by the apparatus and method but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded, The embodiments can be easily implemented by those skilled in the art from the description of the embodiments described above.

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 disclosed exemplary embodiments, It belongs to the scope of right.

100: Conditional lifetime pension payment system
110: Control module
120: input module
130: output module
111: Average lifetime calculator
113: Pension guarantee range computing unit
115: Pension payment calculation unit

Claims (24)

An input module for inputting information related to a pension payment of a customer, the information relating to the pension payment includes at least one of a customer's age, a pension payment period, a pension payment start date, a pension payment end date, and an annuity guarantee rate;
A control module for calculating the average life span of the customer using the received pension payment related information and calculating the pension coverage range and the pension payment amount including the pension payment period and the pension guarantee rate based on the average life span; And
An output module for displaying at least one of the life expectancy, the pension coverage, and the pension payment; And,
When the pension guarantee rate is selected among the pension payment related information through the input module,
Wherein the control module calculates an average life span of the customer, a pension payment end age at which the pension payment ends according to the pension guarantee rate, and a pension payment amount paid until the pension payment end age,
Wherein the output module displays the average life expectancy, the termination age of the pension, and the pension payment amount,
When the pension payment period is selected from among the pension payment related information through the input module,
Wherein the control module calculates an average life span of the customer, a pension guarantee rate based on the average life span, and a pension payment amount paid during the pension payment period, and the output module displays the average life span, the pension guarantee rate, Wherein the pension system is a pension system. delete The method according to claim 1,
Wherein the pension guarantee rate is a ratio of the pension payment period to the life annuity payment period from the start date of the pension payment to the maximum survival date of the customer. The method according to claim 1,
Wherein the pension payment period is a period from the start of the pension payment to the end of the pension payment. delete delete The method of claim 3,
The control module includes:
An average life time calculator for calculating an average life time of the customer based on the age of the customer;
Calculating an annuity guarantee rate when the customer selects the annuity payment period based on the average life expectancy, and calculating the annuity payment period when the customer selects the annuity guarantee rate; And
A pension payment amount calculating unit for calculating the pension payment amount to be paid to the customer during the pension payment period; And a conditional lifetime pension payment system. 8. The method of claim 7,
Wherein the average life span calculation unit determines the average life span by using an average life span DB storing an average life span of each customer by age. The method according to claim 1,
Wherein the control module controls the output module to output through the output module that the control module can select to omit a portion of the pension paid out by reserving some amount of the pension payment to the customer, Pension payment system. 10. The method of claim 9,
If the customer chooses to omit and pay some of the pension benefits,
Wherein the control module calculates a monthly payment amount to be paid to the customer within the pension payment period by the remaining amount of the pension payment amount excluding the reserved part of the pension payment amount. The method of claim 3,
If the customer dies within the pension payment period,
And the pension payment amount not paid to the customer is inherited and paid to the heir of the customer. 12. The method of claim 11,
And the pension payment amount not paid to the customer is paid to the heirer at an amount of the unpaid pension payment at a time. 12. The method of claim 11,
Wherein the pension payment amount not paid to the customer pays the unpaid pension to the heir in a pension form. In the conditional lifetime pension payment method, the pension payment method is performed by a conditional lifetime pension payment system,
Receiving information related to the pension payment from a customer, the information relating to the pension payment includes at least one of a customer's age, a pension payment period, a pension payment start date, a pension payment end date, and an annuity guarantee rate;
Determining an average age of the customer based on the received customer information; And
Calculating an annuity coverage and an annuity payment amount including the annuity payment period and the annuity guarantee rate based on the average life expectancy; And,
And an age at which the pension payment is terminated based on the average life expectancy of the customer and the pension guarantee rate when the pension guarantee rate is input from the pension payment related information from the customer and a pension payment amount paid until the pension payment end age And,
Calculating an average life span of the customer, a pension guarantee rate based on the average life span, and a pension payment amount to be paid during the pension payment period, when the pension payment period is input from the customer, , The pension guarantee rate, and the pension payment amount. delete 15. The method of claim 14,
Wherein the pension guarantee rate is a ratio of the pension payment period to the life annuity payment period from the start date of the pension payment to the maximum survival date of the customer. 15. The method of claim 14,
Wherein the pension payment period is a period from the start date of the pension payment to the end date of the pension payment. 15. The method of claim 14,
Wherein the average life span calculation step determines the average life span according to the age of the customer by using an average life span database storing an average life span of each customer by age. 15. The method of claim 14,
The pension guarantee range calculation step includes:
When the customer selects the pension guarantee rate, calculates an average age of the customer, an age at which the pension payment ends according to the pension guarantee rate, and a pension payment amount paid until the pension payment end age Lifetime pension payment method. 15. The method of claim 14,
The pension guarantee range calculation step includes:
Calculating a pension guarantee rate based on the average life span of the customer and the average life span when the customer selects the pension payment period; And
And calculating a pension payment amount to be paid during the pension payment period. 15. The method of claim 14,
The pension payment method determination step may include:
If the customer chooses to omit and pay some of the pension benefits,
And calculating a monthly payment to be paid to the customer within the pension payment period by the remaining amount of the pension payment, excluding the amount of the reserved pension. 15. The method of claim 14,
If the customer dies within the pension payment period,
Wherein the pension payment amount not paid to the customer is inherited and paid to the customer's heir. 23. The method of claim 22,
Wherein the amount of the pension payment not paid to the customer is paid to the heirer at a time at the unpaid pension payment amount. 23. The method of claim 22,
Wherein the pension payment amount not paid to the customer is paid to the heirer in a pension form as the unpaid pension.

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