KR101753148B1

KR101753148B1 - Pension system based on consuming activity

Info

Publication number: KR101753148B1
Application number: KR1020150165404A
Authority: KR
Inventors: 고혜련
Original assignee: 고혜련
Priority date: 2015-11-25
Filing date: 2015-11-25
Publication date: 2017-07-19
Also published as: KR20170060791A

Abstract

The present invention relates to a new pension accumulation method based on a consumption real name system and a system for accumulating the same, and aims to secure pension resources while securing transparency of economic activities by directly linking the consumption life of the people with the pension, This system provides a new pension accumulation system and method based on a consumption real name system that can be applied to all citizens.
The present invention provides a pension account opening step in which a new pension account for an individual is established and a pension recognizer associated with a new pension account is issued; A pension accumulation step in which a new consumption pension is automatically set to a predetermined ratio within an individual consumption amount, and a new consumption pension automatically collected is deposited and accumulated in a new pension account of an individual who has spent the consumption amount; And a pension payment step in which a new pension is paid to the individual from the time of payment to the time of death according to the amount deposited in the new pension account.

Description

The pension system is based on consuming real-name system,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a new pension accumulation method based on a consumption real name system and a system for accumulating the same. A new pension accumulation method based on the consumption real name system that can guarantee the consumption of all the people's expenditure automatically through the new pension system and compensate the weakness of the existing pension and guarantee the basic old age .

In general, the pension system is a kind of social insurance against the risk of loss of income. It is a system for guaranteeing a certain level of income in preparation for the risk of loss of various kinds of income that is present in everyday life. In Korea, Of the public pension system. Among them, the pension system is applied to public servants 'pension system, officers and assistants employed by government officials and local public servants, ie military officers' pension system that employs professional soldiers, private school teachers and office workers. Private school teachers' pension system and the national pension system, which is applied to the general public, are installed and operated. These pension schemes focus on securing resources through compulsory collection of insurance premiums and paying a certain amount of insurance premiums to old age by the secured resources.

Among the above pension schemes, the national pension is a representative public pension system established for the purpose of guaranteeing the old people's livelihood for all people. It is a public pension system in which subscribers accumulate a certain portion of their income, However, the pension financing of Korea now faces a long-term instability problem.

In fact, according to the announcement of the National Pension Fund's long-term financial forecast of the National Pension Fund in 2013, the national pension of Korea will be turned into a deficit from 2044 and the fund will be completely exhausted in 2060, There is a need for reform of the system.

In Korea, as of 2011, the proportion of the elderly population in OECD member countries reached 15.6%, and the population aging population is expected to reach 70% in 2050, The pension system is expected to become a very large country and the rapid pace of aging will increase the spending of the national pension system in the future. However, due to the instability of pension finances, the reform of the national pension system There are various problems such as an increase in poverty of the elderly in the future.

Patent Registration No. 10-1460586 (Nov.

The object of the present invention is to provide a new pension accumulation method based on a consumption real-name system that can secure the transparency of economic activity by directly linking the consumer's life with the pension, And provide the earning system.

The present invention provides a pension account opening step in which a new pension account for an individual is established and a pension recognizer associated with a new pension account is issued; A pension accumulation step in which a new consumption pension is automatically set to a predetermined ratio within an individual consumption amount, and a new consumption pension automatically collected is deposited and accumulated in a new pension account of an individual who has spent the consumption amount; And a pension payment phase in which a new pension is paid to the individual from the time of payment to the time of death according to the amount deposited in the new pension account.

Since the new pension account is opened at the same time as birth and a portion of the consumption amount used before the pension is collected is paid out as a new pension, the pension is applied to the entire nation, not only the workers and the self- And there is an effect that a dead zone of pension receipt is not generated.

The present invention enables a new pension to be accumulated even for a family member whose economic activity is difficult due to the family pension recognizer, so that the entire family members can be guaranteed a certain level of stable old age.

Since the new pension of the present invention is earned every day from birth to reception, it has a saving effect, and since it operates in the form of a personal property, inheritance is possible, and the burden of paying parents' dependency on the aged is economically reduced .

Since the accumulation details are described on a daily basis, the present invention not only functions as a household part for life as a whole, but also provides a reflection on the past life and a direction for future life .

The new consumption annuity of the present invention includes the surplus new consumption annuity, so that the income redistribution function according to the consumption of high value added is exercised, thereby minimizing the income gap due to the receipt of the old age pension.

Since the present invention is based on the consumption life of all citizens, the entire demographics can be automatically performed, thereby preventing tax evasion and crime, and significantly reducing the work of public institutions.

In addition, the present invention is designed to implement a new pension system based on a consumer's real name system, thereby preventing consumer spending due to illegal use, preventing illegal corruption caused by tax evasion, enhancing individual saving rate, There is a lot of effect that it can facilitate.

1 is a block diagram showing a new pension accumulation method according to the present invention;
FIG. 2 is a diagram showing a relationship between a new-born and a newly-
FIG. 3 is a view showing an example of a new pension accumulating system according to the present invention

FIG. 1 is a block diagram showing a new pension accumulation method according to the present invention, FIG. 2 is an exemplary diagram showing a new pension accumulation flow relationship according to the present invention, FIG. 3 is an example of a new pension accumulation system according to the present invention In the present invention, a portion of the consumption amount of an individual is set as a new consumption pension for new pension accumulation and is automatically collected, and the collected new consumption pension is automatically accumulated in a new pension account of the individual. Pension reserves in the pension account are old-age pensions and are to be paid to the individual as a new pension until death.

Namely, the present invention is characterized in that a new pension account (10) for an individual is established by a computer system of a financial institution or a computer system of a government office, and issuance of a pension recognizer (21) A pension account opening step to be transmitted and inputted;
A new consumption annuity set at a certain ratio within a consumption amount of an individual is automatically collected and transferred to a new pension account (10) of a government office or a financial institution to be deposited, and a new new annuity of a purchaser who has paid the new consumption annuity A pension accumulating step of accumulating and accumulating in the account;
The pension payment stage is paid to the individual through a new pension system through the computer system of the government office, from the time of payment to the time of death, depending on the amount deposited in the new pension account.

In the pension account opening step, a new pension account 10 is opened in the name of the person together with a birth notification, and a personal pension recognizer 21 is issued so as to be associated with the new pension account 10. The establishment of the new pension account 10 and issuance of the personal pension recognizer 21 can be performed in the financial institution 40 or the public office 30 and the details of the account opening and issuance of the individual pension recognizer And transmitted to the computerized system 31 for input.

In addition, the personal pension recognizer 21 may be formed of a card type, an identification card type, etc., and is provided with the authentication function and the connection function of the new pension account at the same time.

In addition, the public office 30 means a public pension management corporation, a ward office, a resident center, a municipal center, a municipal government, and the like, and a new pension management corporation that can be newly established to manage the new pension system according to the present invention It can mean.

The new pension account 10 is managed by a financial institution 40 such as a bank and the predetermined interest determined by law is automatically paid to the new pension account 10 according to the accumulated amount. At this time, interest is calculated by compounding or compounding, and is preferably calculated by compounding.

In addition, the account opening step further includes the step of issuing or registering the family pension recognizer 22.

The family pension recognizer (22) improves the phenomenon that the amount of expenditure spent for the cohabitation of a family is accumulated in a new pension account of a single person, and is also used for a family member who has difficulty in economic activities such as a minor, In the family pension recognizer, the registration of information on a large number of people in the family relationship and the new pension account of the registered individuals are linked. Therefore, unlike the personal pension recognizer, The new consumption pension is set to 1 / N of the registered number (N) so that it can be deposited into the individual's new pension account.

For example, if a consumer is purchasing a car of 30 million won (consumption amount) in a state where a new consumption annuity is set at 10% and a sales tax is set at 10%, within the above 30 million won, If the purchaser presents the personal pension recognizer to the seller together with the consumption amount of 30 million won, the total amount of the new consumption pension is 2.5 million won by the proposed personal pension recognizer. Of the new pension account.

However, since the automobile is a common use for family members, when a family pension recognizer (for example, four family members) is presented to a seller together with a consumption amount of 30 million won, a new consumption pension of 2.5 million won is divided into four family members And 625,000 won will be deposited into each new member's pension account.

The family pension recognizer 22 as described above is issued by the financial institution 40 or the public office 30 like the personal pension recognizer 21 and is registered only when it is provided with an authentication document certifying that it is a family relationship It is issued according to the number of people.

In the pension accumulation step, the new consumption annuity included in the consumption amount of the individual or the family is automatically deposited into the new pension account 10 and accumulated. At this time, the consumption amount is the amount of money that the new consumption annuity is included in the supply price for the goods purchased by the individual or the family or the service to be provided, that is, the amount of expenditure to be paid to the seller (expenditure including tax, Amount of money).

The new consumption annuity has a pension character which is added to the supply price of all the goods that the individual or family purchases or the supply price of the service to be provided and is forcibly collected. This means that it is added to the supply price in order to finance the new pension system.

That is to say, since 1977, the value added tax, which is a tax imposed on the added value created at each stage of the production and distribution process, is added to the supply price and is forcibly collected, and the above value- 10% is added. Therefore, the present invention is characterized in that a new consumption annuity of a certain percentage (for example, a range of 0.1 to 20%, preferably about 5 to 10%) is newly added to the supply price separately from the VAT, ) New consumption pension is obliged to be automatically collected at the time of expenditure.

In addition, the new consumption pension includes surplus new consumption pension, and the surplus new consumption pension is intended to prevent the adverse part of the receipt of the new pension which can be generated due to the difference in consumption amount according to the income level, It has a redistribution function of income.

That is, the new consumption annuity is set to the upper limit of the personal pension amount that can be deposited into the new pension account 10 of the individual and the family, and the amount exceeding the upper limit is set as the surplus new consumption annuity, The amount corresponding to the consumption pension is to be automatically deposited into the surplus new consumption pension account, not the individual's new pension account.

Such surplus new consumption pension is used as a fund for the guarantee of the minimum pension payment when redemption of the new pension is insufficient or as redemption of the new pension according to the standard income level. And the like.

In addition, the upper limit of the amount of the surplus new consumption annuity, that is, the upper limit of the amount subject to the individual annuity, can be set by dividing the lowest and highest prices of the goods by a certain ratio. However, It is preferable to set it in the dimension, and it can be set to reflect the reality in one year, three years or five years.

In addition, the surplus new consumption annuity may be added only to the corresponding article or classified for a particular article group, but the addition ratio of the surplus new consumption annuity may be set differently for each article.

For example, the new consumption annuity is set at 10% of the supply value and the upper limit of the amount of the new consumption annuity is set at 300 for all goods. If a single-headed householder A purchases a luxury automobile worth a consumption amount of 90 million won,

Within the above-mentioned consumption amount of 90 million won, 7,000,000 VAT, 7,500,000 new consumption pension, and 75,000,000 won are included. If A pays the seller the consumption amount of 90 million won, the new consumption annuity should be deposited into the new pension account of A 750,000 won, but the new pension account of Actual A only requires the 3 million won upper limit of the new consumption annuity amount And the remaining 4.5 million won will be automatically deposited into the surplus new consumption annuity account.

Further, the new consumption pension further includes a residence security cost. This means that when the pension age reaches the new pension age, the cost for securing stable housing is set separately from the new pension by setting a certain percentage of the new consumption pension. The cost of securing the residence can be set within a range of about 10-30% of the new consumption pension.

In other words, if the housing security cost is 1 million won for new consumption pension by the new pension account of B, 10 ~ 300,000 won will be added to the housing guarantee cost, and only the remaining 70 ~ 990 thousand won will be transferred to the new pension account And the separately secured housing subsidy can be used as the rent of the housing provided by the government or the purchase money of the house purchased by the B when the age of the new pension is reached, Such as a loan repayment system. In addition, the remaining amount of money used for the purchase of the home can be paid to the new pension recipient at a time or inherited to the heir of the death of the new pension recipient.

In order to resolve the difficulties of old age due to non-homelessness, it is aimed to secure a stable retirement life through the receipt of the new pension and the securing of the housing means or minimum housing cost.

In the above-described pension accumulation step,
A receipt issuing step of automatically receiving a receipt according to the inputted consumption amount after the information in the recognizing device of the purchaser is recognized by the recognition terminal provided at the selling place;
A consumption information transmission step in which the issuance history of the receipt inputted to the recognition terminal is transmitted to the computer system of the public office and the terminal system of the individual and inputted;
A new consumption pension deposit step in which the amount corresponding to the new consumption pension according to the issued receipt is automatically transferred from a seller or a credit card company to a new pension account of a government office or a financial institution and is deposited;
And a new account for depositing the new consumption pension deposited in the new pension account of the government or financial institution into the individual's new pension account by the government computer system according to the details of the receipt entered in the government office.

The account deposit step further includes a surplus new consumption annuity deposit step of determining surplus new consumption pension for the new consumption pension according to the receipt details and then transferring the surplus new consumption pension to the surplus new pension account.

In addition, the pension accumulating step further includes a deposit detail notification step in which the deposit details are notified to the individual after the account deposit step.

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The receipt issuing step is a step in which the information in the personal pension recognizer 21 or the family pension recognizer 22 is recognized by the recognition terminal 51 provided in the selling place 50 and then the receipt is automatically issued do. At this time, the recognition terminal 51 may be a currently used card terminal, or may be a separate pension recognizing terminal equipped with a program for recognizing information in the personal pension recognizer or the family pension recognizer.

Further, it is preferable that the issued receipt is stored for at least five years to both the buyer and the seller, or at least to the seller, and storage of the receipt can be compulsorily specified, if necessary. The mandatory retention of such receipts is intended to allow buyers, sellers, and government agencies to correct errors quickly and accurately for any errors that may arise in the future confirmation of pension history deposits.
Also, the receipt issuing step precedes the consumption amount expenditure step in which the consumption amount is paid to the seller as compensation for the goods or services provided by the seller. That is, in the consumption amount expenditure step, the consumption amount according to the purchaser's personal expenditure or the family expenditure is paid to the seller, and the personal pension recognizer 21 or the family pension recognizer 22 for accumulating the new pension according to the expenditure personality Lt; / RTI > At this time, the consumption amount corresponding to the expenditure of the purchaser can be paid to the seller by cash or a card.

In the consumption information transmission step, the history of the issued receipt, that is, the consumption amount spent in the individual or family name is automatically transmitted to the computer system 31 of the public office and the terminal system 23 of the individual person upon issuance of the receipt, do. The terminal system 23 of the individual refers to a device such as a mobile phone, a computer, or the like that allows individuals to check their details.

The new consumption pension payment step is such that the new consumption pension posted on the receipt is automatically deposited into the new pension account of the government office (new pension management corporation) or financial institution by the seller, and when the buyer purchases it in cash, It is mandatory for issuance of the new consumption pension part to be automatically transferred to cash immediately. When purchasing by credit card, the card company is obliged to deposit the new consumption annuity immediately into the new pension account. Such a new consumption pension deposit phase can be implemented in a separate system so that it can be transferred in real time to a new consumption pensioner of an individual.

The account deposit step includes the following four steps. In other words, in the computer system of the government office. A comparison step in which the amount of the new consumption annuity of the individual according to the details of the inputted receipt is compared with the amount of the new consumption annuity confirmed to be deposited to the individual;

A deposit step in which the amount of the new consumption annuity is automatically entered into the personal new pension account through the computer system of the financial institution in the computer system of the government office when the amount of the new consumption annuity on the receipt matches the amount of the new consumption annuity deposited;

An error notification step of notifying the buyer and seller of the new consumption annuity error in the computer system of the government office if the amount of the new consumption annuity on the receipt does not match the amount of the new annuity annuity deposited;

And a correction step in which the error is corrected according to the statement of purchase of the buyer and the seller or the deposit details of the erroneous new consumption pension according to the error notification step.

Such an account settlement step is automatically performed by the computerized processing system (computer system 31) of the government office and the computerized processing system 41 of the financial institution, and the new consumption pension for the consumption amount spent for individual or family name It is deposited and accumulated in the individual's new pension account (10). In other words, in the computerized system (31) of the government office, the correspondence between the new consumption pension on the receipt and the amount of the new consumption pension deposited is prepared. If there is no error, the computerized system of the public office, The amount of the deposit of the new consumption annuity is automatically transferred to the account.

The payment history notification step is a step of notifying the individual by the notification means such as postal mail or the Internet, and confirming the details of the pension transfer to the individual new pension account from the government office, Periodically, a statement of receipt of the new consumption annuity is sent to the individual from the government office every month or quarter. At this time, the statement is automatically created and processed by a computer system installed in the tourism book, and a new consumption annuity and a surplus new consumption annuity are separately posted on the statement.

In addition, although the new pension system of the present invention is based on a consumption real name system, in the case of a person with a simple consumption life, the benefits of the new pension system may be insufficient. To compensate for this, The amount deposited directly to the new pension account can be notified to the individual in the deposit notification step so that the individual can confirm the pension deposit details.

The pension payment phase is a phase in which the amount of the new money accumulated in the individual's new pension account is paid to the individual every month in the form of a pension. For example, a new pension is paid from the age of 65 years old to the death. This new pension is paid according to the consumer's personal life, so it is paid separately from other pensions that are paid.

Hereinafter, the present invention will be described in detail with reference to the following examples.

The following examples illustrate the results of a simulation based on the assumption that the new consumption surplus and the surplus new consumption pension according to the present invention are classified as low-income, middle-income, and high-income groups according to income levels, .

Monthly disposable income is set at 1 in 28, "low income earners 1.3 million won, average income earners 2 million won, high income earners 3,500,000 won". Monthly disposable income up to 63 years is set assuming 2% monthly income growth rate every year.

In addition, the average consumption tendency is applied to the statistical data of the National Statistical Office of the corresponding age group, and the consumption amount is expressed as "monthly disposable income x average consumption propensity".

In addition, 20% of low-income earners, 40% of average income earners, and 60% of high-income earners,

The new consumption annuity is calculated by setting as "10% of the consumption of the essential material + 5% of the required overseas consumption", and the surplus new consumption annuity is calculated as "5% of the required overseas consumption" In the following example, 5% of the required overseas consumption is estimated to be covered by the new consumption pension and the remaining 5% is assumed to be covered by the surplus new consumption pension. - Consumption annuity = consumption of essential goods x 0.1 + required overseas consumption x 0.05, surplus new consumption pension = required overseas consumption x 0.05).

In addition, the annual new consumption annuity (or the annual surplus new consumption annuity) is calculated by applying 3% compounding up to 63 years old for the new consumption annuity (or annual surplus new consumption annuity) paid to that age group.

Example 1

[Table 1] shows the amount of new consumption pension and surplus new consumption annuity for each low-income group by age, and the amount paid for 35 years is 68.85 million won for new consumption pension and 7.65 million won for surplus new consumption pension.

[Table 1]

Example 2

[Table 2] shows the amount of new consumption pension and surplus new consumption annuity by age group of average income group, and the amount paid for 35 years is 94.2 million won for new consumption pension and 23.55 million won for surplus new consumption pension.

[Table 2]

Example 3

[Table 3] shows the amount of new consumption pension and surplus new consumption pension for each age group of high income earners. The amount paid for 35 years is 14.5 million won for new consumption pension and 61.8 million won for surplus new consumption pension.

[Table 3]

Example 4

Based on the new consumption surplus and surplus new consumption annuity according to [Examples 1] - [3], the actual receipts were calculated for each income group based on 20 years after retirement. The results are shown in [Table 4] Respectively.

At this time, the surplus new consumption pension with redistribution function is 50% for the low income group and 30% for the average income group for the surplus new consumption pension total payment plus the amount paid by each income group (life surplus new consumption annuity) , And 20% are assumed to be redistributed to high-income brackets. The monthly receipts for surplus new consumption annuities are calculated by dividing the redistributed amount by 20 years and dividing by 12 months.

In addition, the monthly receipts per new consumption annuity are calculated by dividing the total amount of the total taxable income plus the amount paid by each income group (life new consumption annuity) into 20 years and again by 12 months.

In addition, assuming that the inheritance amount is calculated based on the average child income, it is assumed that the low income group, the average income group and the high income group all receive the same inheritance amount. (The inheritance amount is calculated by calculating the parent household consumption amount of the average income group multiplied by the age-dependent child support ratio by the year (up to 63 years, at least 35 years).

In addition, the proportion of child-rearing expenditure by age group is calculated by the ratio of child-rearing expenditure of the current generation (by National Statistical Office) - 0.1, considering that the income level of the parent household is lower than the current generation.

[Table 4]

As shown in [Table 4] above, assuming that the inheritance amount is 696,000 won, the final receipt amount of the low income class according to the present invention of the present invention is 1176,000 won, the final receipt amount of the average income class is 1205,000 won, Respectively.

Considering the above results, it can be seen that the low-income group, the average income group and the high-income group all benefit from a stable pension benefit in the old age by the new pension accumulation method based on the consumer real name system according to the present invention.

In addition, even if the redistribution by the surplus new consumption annuity is performed, it can be seen that the present invention benefits evenly for all the classes without reversing the final receipt of each income class.

It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined in the appended claims and their equivalents. Of course, such modifications are within the scope of the claims.

(10): New pension account (20): Buyer
(21): Personal pension recognizer (22): Family pension recognizer
(23): Personal terminal system (30): Government office
(31): Government computer system (40): Financial institution
(41): Financial Institution Computer System (50): Distributor
(51): recognition terminal

Claims

A new pension account is opened for the individual by the computer system of the financial institution or the computer system of the government office. The pension account is opened by opening the new pension account and issuing the pension recognizer linked to the new pension account. An opening step;
The new consumption pension included in the consumption amount of the purchaser spent by the seller according to the provision of goods or services is automatically transferred to the new pension account of the government office or the financial institution and is deposited and the new consumption pension deposited is transferred to the government office computer system A pension accumulation step of accumulating and accumulating in the personal new pension account of the purchaser who has spent the consumption amount;
A pension payment phase in which a new pension is paid to an individual through the computer system of the government office from the age of receiving the pension to the death according to the amount deposited in the new pension account,
The pension-
A receipt issuing step of automatically receiving a receipt according to the inputted consumption amount after the information in the recognizing device of the purchaser is recognized by the recognition terminal provided at the selling place;
A consumption information transmission step in which the issuance history of the receipt inputted to the recognition terminal is transmitted to the computer system of the public office and the terminal system of the individual and inputted;
A new consumption pension deposit step in which the amount corresponding to the new consumption pension according to the issued receipt is automatically transferred from a seller or a credit card company to a new pension account of a government office or a financial institution and is deposited;
And a new account for depositing a new consumption pension deposited in a new pension account of a government office or a financial institution into an individual's new pension account by a government computer system according to the details of a receipt entered in a government office,
If the upper limit of the amount of the personal pension to be deposited into the new pension account exceeds the upper limit of the amount of the new pension to be deposited into the new pension account, the amount exceeding the upper limit by the government computer system is set as the surplus new consumption annuity The surplus new consumption pension deposit phase, which is transferred to surplus new pension account,
The new consumption pension is set to include housing security costs within 10 ~ 30%, and the new pension payment is paid to the new pension recipient by housing rent or housing purchase fund. How to earn a new pension.

The method of claim 1,
A new pension funding method based on a consumption real name system, which is characterized by the issuance of a personal pension recognizer and a family pension recognizer as a pension recognizer.

The method of claim 2,
In the family pension recognizer, the registration of information on a large number of people in the family relationship, the new pension account of registered individuals is linked, and the new consumption annuity added to the consumption amount is divided by 1 / N of the registered number (N) The method of accumulating a new pension is based on a consumption real name system, which is characterized in that it is configured to be deposited into an individual's new pension account.

The method according to claim 1 or 3,
Wherein the new consumption annuity is forcibly collected and added to the supply price of all the articles to be purchased by an individual or a family member or a supply amount of the service to be provided, based on the consumption real name system.

The method of claim 4,
Wherein the new consumption pension is set within a range of 0.1 to 20% with respect to the supply price, and is set to be included in the consumption amount in addition to the supply price.

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The method of claim 1,
Wherein the pension accumulation step further includes a payment history notification step of notifying the individual of the details of the deposit details made by the computer system of the government office after the account deposit step.

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The method of claim 1,
Wherein the recognition terminal is a pension recognition terminal equipped with a card terminal or a program for recognizing information in a personal pension recognizer and a family pension recognizer.

The method of claim 1,
In the account deposit step,
In computer system of government office. A comparison step in which the amount of the new consumption annuity of the individual according to the details of the inputted receipt is compared with the amount of the new consumption annuity confirmed to be deposited to the individual;
A deposit step in which the amount of the new consumption annuity is automatically entered into the personal new pension account through the computer system of the financial institution in the computer system of the government office when the amount of the new consumption annuity on the receipt matches the amount of the new consumption annuity deposited;
An error notification step of notifying the buyer and seller of the new consumption annuity error in the computer system of the government office if the amount of the new consumption annuity on the receipt does not match the amount of the new annuity annuity deposited;
And a correction step of correcting the error by the government office computer system in accordance with the credit memo of the buyer and the seller or the deposit details of the erroneous new consumption pension according to the error notification step,
A new pension accumulation method based on a consumption real-name system, characterized in that a new consumption annuity deposited in a new annuity account of a government office or a financial institution is deposited into an individual's new annuity account by a computerized system of government offices according to the details of the receipt entered .

The method of claim 10,
The deposit history notification step,
The personal statement from the computer system of the government office and deposited into the individual's new pension account is notified to the individual through the Internet,
Monthly or quarterly, the statement of receipt of the new consumption annuity is notified to the individual by the computer system of the government office, and the new consumption annuity and surplus new consumption annuity are separately posted on the statement, Based pension scheme.

For new pension accumulation system where new pension is accumulated based on consumption real name system;
Personal pension recognizers and family pension recognizers issued to individuals and families upon birth notification;
A recognition terminal installed in the salesperson so that the personal pension recognizer and the family pension recognizer are recognized;
A financial institution computer system in which a new pension account is issued to be linked to a personal pension recognizer and a family pension recognizer;
And a public computer system in which information about the individual pension recognizer and the family pension recognizer is stored and the new consumption annuity transmitted from the recognition terminal is input through a communication network,
When purchasing goods or services from a retailer, the personal pension recognizer or family pension recognizer is delivered to the seller along with the consumption amount,
At the recognition terminal, the receipt for the consumption amount is issued according to the information of the personal pension recognizer or the family pension recognizer, and at the same time, the information about the details of the consumption amount is automatically transmitted to the government office computerized system,
In the financial institution computerized system, information about the new consumption pension paid by the seller is transmitted to the computerized system of the government office,
In the computer system of the government office, the total amount of the new consumption annuity, surplus new consumption annuity, and the residence guarantee expense included in the consumption amount is automatically calculated. The new consumption annuity deposited from the financial institution is deposited into the new pension account of the individual, The new pension accumulation system based on the consumption real name system is characterized in that the residence security costs are separately collected as housing purchase funds and the surplus new consumption pension is automatically transferred to the surplus new consumption pension account.