KR20120105579A - Customized pension consulting method by annunity insurance and additional event bonus payment - Google Patents

Abstract

PURPOSE: A customized pension consulting method is provided to enable a member to receive more pensions in the year when much money is more necessary than a usual year. CONSTITUTION: A main server divides pension insurance in the year according to whether a user overspends costs for an old age. The main server provides a consulting for members(11~1n) through a program. An insurance company(50) is connected to the main server through a hotline or an internet(20). A bank(60) is connected to the main server through the hotline or the internet. The insurance company and the bank request a pension item sale to the main server. [Reference numerals] (20) Internet network; (30) Microcomputer; (40) Storage device; (AA) 51 insurance company 1; (BB) 52 insurance company 2; (CC) 5n insurance company n; (DD) 61 bank 1; (EE) 62 bank 2; (FF) 6n bank n

Description

Customized pension consulting method by annunity insurance and additional event bonus payment}

The present invention allows the annual pension extraction function through the automatic calculation function on-line, taking into account future interest rates and prices, and fixed by year, or by events, rather than the current method, which is gradually increased every year considering only the price level. It relates to a customized pension consulting method that enables customized pensions to differentiate and pay pensions.

Generally, pensions are paid by the subscriber for the term agreed upon by the initial contract and paid in lump sum or pension form from the date of the set payment.

The method of financial consulting for each customer's crisis situation is known as Korean Patent Registration No. 10-0791650, but this is a financial consulting for each risk situation, so there is a problem that overall consulting cannot be achieved.

In addition, the financial management service method using the Internet re-accounting known in the Republic of Korea Patent Publication No. 10-2001-0114063 is known, which has the advantage of opening their own financial assets and receive services from them, but in today's difficult situation to maintain security, also benefits Although many, but their information may be exposed by hacking, etc., there is a problem causing anxiety of the subscriber.

In addition, the financial consulting technology for each customer's financial targets known in Korea Patent Registration No. 10-0734725 is known, but this has the advantage of consulting by financial target, but has a problem that is difficult to apply to the pension method.

The present invention is to solve this problem, an object of the present invention is to provide a main server that consults to choose a good product mutually with the insured as a member, the insurance company or a bank as a sales company online, in the main server the subscriber It aims to provide a tailored pension consulting method that will allow you to receive more pensions in the year you need more than usual.

Another object of the present invention is to provide a customized pension consulting method for consulting based on the subscription period and subscription amount by the age of the subscriber.

Another object of the present invention is to provide a personalized pension consulting method of consulting a product suitable for a necessary age based on whether a simple variable or a combination of a variable and fixed type based on the product of the subscriber.

Still another object of the present invention is to provide a customized pension consulting method that consults tailored to determine when the pension conversion or pension receipt start when there is a product with a moderate maturity on the basis of the deposit yield.

To this end, the present invention comprises a main server for constructing pension insurance to the subscriber by using the Internet network by dividing the year of excessive expenditure of the old age of the user; A storage device for storing various data and programs of the main server; A subscriber connecting to the main server through an internet connection; Including an insurance company and a bank or a design company for performing the pension product sale to the main server;

The main server writes in the Family Relations section of the text screen loaded on the subscriber's computer screen; A custom condition selection process that selects whether you want a sophisticated, customized pension plan to vary by the expected cost of events for each year of the year, rather than receiving a certain amount of pension every year; Followed by marital environment information process; Child environment information process; Responding to external fluctuations taking into account future interest rates and prices, as well as those that reflect future interest rates or price calculations; A general information input process that calculates by inputting general information; According to the general information input process, the company provides customized pension consulting method that sequentially presents the pension receipt method that consults to make accurate retirement fund plans.

Therefore, some years will leave money and some will marry their children. Lack of money will cause them to suffer in old age. In other words, they are encouraged to design less-than-standardized, non-standardized, customized pensions for a more planned and stable retirement.

In addition, instead of paying additional money to these customized pensions, the variable pension is reduced in less necessary years instead of elaborately calculating the pensions in the years that require the same amount of money but still require more money. In this way, it is important to provide the last remaining assets of the elderly, which are difficult to finance urgently, and provide them with the most valuable and most efficient. In addition, in this case, the money left after spending every year will have the effect of increasing interest as efficiently as possible.

In other words, the present invention is a method to help each individual find and write as personally as he originally planned,

At present, insurance companies do not have a program that can be paid differently for each individual and cannot be, so the present invention

1) Among the many savings products of insurance companies, there are many savings insurance products that have a much higher interest rate than pension products.

2) As much as you need each year-not as a loan in terms of the past-There are many savings products that you can use to "draw" your money freely (once a year depending on the product-up to 12 annually). Up to-One withdrawal fee is 2,000 won and can be withdrawn at will.

3) The custom function of the present invention is to be performed in the main server, and each year by the customer on the basis of the program and data first presented by the customer himself each year, the customer needs the personalized pension amount for each year. Withdraw the amount as much as that amount, or make the main server enter the required amount every year based on the original program and data and notify it, or add a function to help withdrawal once a year, or <3>> Or, if there is a gap in the main server due to a new environment, it may be necessary to fine tune it in the middle, so a professional asset manager (designer) associated with the main server plays a withdrawal role every year.

The present invention has a main server online, with the insured as a member, an insurance company or a bank as a sales company, and consulting them to select a good product. In the main server, the subscriber finds more pensions in the year that requires more funds than usual. Let's go.

The present invention enables customized pension consulting that consults based on the subscription period and the subscription amount for each age of the subscriber.

The present invention enables a tailored consulting of a product suitable for the age required based on whether the subscriber's product is a simple variable variable, or a combination of variable and non-variable, that is, fixed type based on whether the variable product.

In the present invention, when there is a product with a moderate maturity, the consultation can be tailored to determine when the receipt of the cancellation or maturity refund payment is based on the return rate of deposit.

1 is a configuration example of the present invention,
2 is a block diagram of a main server of the present invention;
3 is a flowchart of the present invention,
4 is a diagram illustrating a basic information recording screen of the present invention;
5 is an expenditure table of the customized pension of the present invention,
6 is a flowchart showing another embodiment of the present invention;
7 is a pension comparison table for products for explaining the principle of the present invention,
8 is a view showing an example of product recommendation according to the present invention;
9 is a view showing a refund when the same total payment but the payment period is different,
10 is a view showing a refund when the payment period is longer than that of FIG.
11 is a pension control table showing a case where a product expires in the middle.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

1 is a configuration example of the present invention, the main server 30 for constructing pension insurance by using the program to the subscriber to the Internet connection using the Internet network to distinguish the year and the non-expenditure of the old expenses of the user;

A storage device 40 for storing various data and programs of the main server 30;

Subscribers 11 to 1n connected to the main server 30 through an internet connection using a subscriber computer and a modem;

An insurance company 50 connected to the main server 30 by a hotline or the Internet and requesting pension product sales to the main server;

The main server 30 is connected to a hotline or an internet network, and includes a bank 60 for requesting the sale of pension products to the main server.

The insurance company 50 may be different insurance companies 51-5n, insurance planners, or insurance products. In addition, the bank 60 refers to each bank (61 ~ 6n) that sells pension insurance and the like in a contract with the main server (30).

2 is a block diagram of the main server of the present invention, the main server 30 includes a keyboard 32 for inputting data, a monitor 33 for displaying input data,

A microcomputer 34 for determining an input instruction of the keyboard 320 and instructing the control module to perform a function and determining the result thereof;

A module (300 to 700) for processing environmental information, interest rate, and price information in association with programs and data stored in the storage device 40,

The insurer 50 connects to the computer network 31 of the Internet network 20 and the main server 30 by connecting to an additional port of the modem 36 and a local area network or a hotline. And a hub (37) connecting the bank (60) and a buffer (35) for temporarily storing output data sequentially through the modem (36) by the command of the microcomputer (340).

3 is a flowchart of the present invention, the marital environment module 300 shown in FIG. 2 includes a life expectancy information room 310, a basic pension information room 320, a travel fund information room 330, an event fund information room 340, and a cost. The information room 350 is configured to be performed for each function.

The child environment module 400 includes a child basic information room 410, a marriage support information room 420, a financial aid room 430, and a housing support room 440.

The future interest rate module 500 includes an interest rate data room 510 and a self interest rate prediction room 520.

In the future, the price module 600 includes an inflation data room 610 and a personal price prediction room 620.

The emergency fund module 700 includes an emergency import information room 710 and an emergency expenditure information room 720.

In the flowchart used for the module, when the subscriber 10 connects to the main server 30 shown in FIG. 1 through the Internet network 20 and requests consulting provided by the main server, the main server 30 stores the storage device. A text screen as shown in FIG. 4 stored in 40 is loaded on the computer screen of the subscriber 10 (in FIG. You will see that it means a system). The family relationship information process is performed by writing in the family relationship column of the text screen loaded on the subscriber's computer screen shown in FIG. 4 (S100).

Subsequently, the main server 30 interlocks a drive program built into the storage device 40 via the microcomputer 34, and does not receive a certain amount of pension every year, but instead of retirement, seventy-six, children's marriage, and travel. Choose whether you want an elaborate, customized pension plan each year so that you can get more or less as expected expenses for the year (selection can be implemented in a variety of ways, such as by clicking on a blank or by clicking on the corresponding click button) (S200).

Subsequently, when the step (S200) for receiving a customized pension is performed, the main server 30 describes the main pension receipt time, hope pension, couple overseas travel funding time, and other matters as shown in FIG. 4. In operation S300, the couple environment module 300 provided in operation 30 interlocks the corresponding module 310, 320, 330, 340, 350 to find an optimal condition (S300). Here, the life expectancy information room 310 receives and stores the expected life expectancy of the couple in consideration of the family history of the couple. The basic pension information room 320 induces to designate a fixed living expenses every year after the start of pension and stores it. The travel fund information room 330 induces to designate the start time of the trip after the retirement, the year and the number of the trip, the estimated amount, and the like, and store the time based on the specified time and the corresponding cost. The event fund information room 340 induces to designate the year, the number of times, the expected amount, and the like for the seventh, eighth, and wedding anniversary events, and stores them on the basis of the designated time and the corresponding cost. In addition, the cost information room 350 induces to specify a general cost by specifying an informal estimated cost, and stores the cost based on the corresponding cost.

Subsequently, the main server 30 describes the child's expected marriage age and the expected marriage support fund, the child's college scholarship, the child's college student's funds and the time, the child's housing fund, and the child environment module provided by the main server 30. In operation S400, an operation of the corresponding modules 410, 420, 430, and 440 is interlocked to find an optimal child environment information condition (S400). The child basic information room 410 induces and stores the number of children, gender distinction, and the expected marriage age. The marriage support information room 420 induces and stores the expected support money when the child marries. The financial aid office 430 receives a description of how much financial aid is to be supported and calculates and stores it based on this. Housing support office 440 stores the child's support money when purchasing the home.

When the child environment information is completed, in the process (S200), the pension is uniformly received and the pension is uniformly received, but the future interest rate, inflation and emergency fund together with the case in which the process of reflecting the future interest rate or the price calculation is performed. The external variable response process (S567) is affected by the change.

External variable response process (S567) is a future interest rate information process (S500), in conjunction with the future interest rate module 500,

Future price information process (S600) that works with future price module 600,

In conjunction with the emergency fund module 700 performs an emergency fund information process (S700) in which emergency funds are introduced or leaked.

In the above, the future interest rate module 500 in which the user predicts a future expected interest rate and performs its work includes an interest rate data room 510 and a personal interest rate prediction room 520. The interest rate reference room 510 stores the flow of general interest rate to use when calculating. The interest rate prediction room 520 allows the user to perform a task of predicting the future interest rate, and at this time, if the user wants to work out of the predictable interest rate limit, an associating device (known program or a known operator for calculating) It can be implemented using).

The price information module 600 performs a function of predicting and storing future prices by the user himself, and includes a price data room 610 and a price forecast room 620 of the user. In this case, the price data room 610 to store the flow data of the general price. The inflation price prediction room 620 induces the user to predict the future price, and the user uses a separate program or a calculation device (a known technology for a calculation operation outside the predictable inflation limit). An example is omitted).

The emergency fund module 700 includes an emergency import information room 710 and an emergency expenditure information room 720. The emergency import information room 710 stores and stores emergency income such as miscarriage income due to the death of an elderly parent. The emergency expenditure information room 720 records and stores emergency expenditure information such as serious illness or disaster occurrence.

After performing the emergency fund information process (S700) constituting the external fluctuation process, or if the calculation is not reflected in the process (S1000), each module (300, 400, 500, 600, 700) under the control of the microcomputer 34 of the main server 30 Perform a comprehensive information input process (S800) to collectively calculate the information of the.

Accordingly, by establishing a customized pension plan as shown in FIG. 5 so that the subscriber 100 can make an accurate retirement fund plan, and based on this, the most suitable pension product sold by each insurance company or bank is presented to the subscriber, Insurers to select the best product, the subscriber to select the product easily and accurately, the main server is able to obtain a fee and advertising costs for the pension subscription by the contract between the insurance company and the bank (S900). In addition, banks and insurers can achieve maximum coverage while paying minimum operating costs for pension insurance coverage.

6 is another embodiment of the present invention, the pension receipt age tailoring process (S110) is further performed between the basic family information process (S100) and the customized condition selection process (S200) shown in FIG.

In the pension receipt age-specific tailoring process (S110), if you do not need age-specific customization is carried out a selection condition (S200), if the age-specific customization is required to select whether the pension is a variable or fixed rate of return selection process (S111) Do this.

If the non-variable rate of return is selected in the rate selection process (S111), the pension is paid at a constant rate, so that the main server 30 selects a pension product having an age required for funding and an optimal refund amount based on the pension membership. To perform a non-variable product selection process (S112) to provide to the subscriber (10).

In the case of selecting a variable rate of return rather than non-variable in the rate selection process (S111), a main server (S113) of a variable rate of return-related product selecting a product suitable for an age required by comparing a variable rate of return with a variable rate of return is required. 30) perform.

The main server 30 performs a mid-term expiration check process (S114) to check whether there is a product that expires before the age required for the variable return rate product selection process (S113).

In the mid-term maturity checking process (S114), if there is a mid-term product of the subscriber, if the return rate is high after the expiration of the other institution, the pension fund after expiration is low. 30 perform,

In the above process (S110) (S111) (S112), as shown in Fig. 7, a customer pays the same amount of 100 to each A, B, and C products for 10 years for 10 years. 90), B is 100% (100), C is 110% (110), and A, B, and C are blown up by 4, 3, 2 every year, but the payment increases as follows. Instead, they calculated by isolation, but the principle is the same). In this case, the present invention was completed based on the question of which products should be "breaked" and then used as pension funds for pension funds in their 60s and 70s and 80s.

In this case, at present, almost all of our customers are not provided with sophisticated analytical consulting, so we can't know when and how to use “wake up” and how to use it. Through

Of the three <A>, <B>, and <C> products, <C> has the advantage of being able to use it as a “break up” pension at age 60. This may be possible for both, but in this case, the 70-year-old <A> (170-160), which is available for 80-year pension funding, is “not broken and used as pension”. It is better to use <B> as a 70 year old pension fund and <A> as an 80 year old pension fund (S111, S112). In this case, the resource recommendation can be illustrated as illustrated in FIG. 8, so that the optimal consulting of the client (subscriber) can be consulted according to the retirement fund plan and year of the subscriber.

Specifically, if the total amount of payment is, for example, 176 million won for 10 years (FIG. 9), for 15 years (FIG. 10), for example, when the cost is mainly used after 10 years. In case of 9, the refund rate is 99.2%, and in case of FIG. 10, 102.7%, a 15-year payment condition is advantageous. When using the cost after 20 years, the case of FIG. 9 is 143.5%, but in case of FIG. Is 137.8%, so a 10-year payment is advantageous if the funds are required after 20 years.

Summarizing this, the refund rate of 10 years of payment is advantageous in FIG. 10 (99.2%, FIG. 10 is 102.7%), and the refund rate of 20 years of payment is favorable in FIG. 9 (143.5% of FIG. 9, and 137.8% of FIG. 10). Refund rate of 30 years after payment is advantageous (FIG. 9 is 207.3%, FIG. 10 is 200.6%). This product is, for example, a savings product of Dongbu Life Insurance, where a 50-year-old customer pays a total of 172 million won in 10 or 15 years. In this case, the return of the previous one is more than 10 years. Higher and later are more profitable (15-year lead is faster to recover than 10-year lead).

Thus customers

-If you want to use this product as a 60-year-old pension (or initial pension fund), it is better to use the cancellation refund for 10 years with the 15-year lead in Table 2.

-On the contrary, if you want to use the pension fund for 70 years old, it is better to use it for 10 years as shown above.

The reason for this is that the difference in the net return of the cancellation refund (from red to return to the customer above) is 3.75% and 3.83%, which is why each insurer gives them a “4% compounding” or “a few% interest rate”. Is 3.75% or 3.83% or much lower than 4%, which is actually the same 4%, but each company has a different operating cost for each product. This is due to the reality of falling many customers and almost not knowing how much the real rate of return falls.

In other words, even if a company's B company's insurance product has the same rate of return, if you compare the cancellation refunds presented by the company (= this money is the seed money of the pension, or the money that can be actually received),

For example, even if a and b products are equally 4%, if the actual returns are 3% and 3.6%, the final interest that can be held in the hands of the actual customer is 20% of (3% and 3.6%). In addition, you will be recommended to switch until the time when you can switch. Of course, it is due to the fact that almost 99.9% of customers do not know so far.

Taken together, there are the following principles of the present invention.

1) First, we will look first at the surface rate of return offered by insurance companies, but later, we will figure out more important receipts.

2) After grasping the real rate of return, the main server instructs the subscriber to select the product with the highest rate of real profit online. (In this case, the surface yields are 3.5% and 3%, but the actual yields are often 2.2% and 2.5% upside down, with 100 customers in Korea almost all 100 not aware of this, and I'll just give it 3.5%.) Only give more than 3%)

3) Comparison of payment periods: The difference between excessively long, long, normal, and short returns is presented in real time on the Internet.

4) Comparison of actual return rate at the time of pension start hope among my various pensions

5) Present the data to determine if the product is good for those in their 60s (it is better to “wake up” in their 60s) or if they are in their 70s.

6) Final consulting is possible to provide sophisticated consulting, for example, among those in their 60s, whether it is better to "break at age 63" (open pension) or "open at pension age 65".

Following the non-variable product selection process (S112) of the present invention, the present invention performs a variable yield-related product selection process (S113), which is when the own pension is mixed with variable and non-variable products, the non-variable variable While yields (2-5%) of interest rates are fixed, variable amounts may be higher than non-variables by investing in stock bonds, but are not covered by the Depositor Protection Act. Therefore, an appropriate amount of diversified investment in variable non-variables is beneficial. But in this case too, depending on your inclination, how close are you to start your pension, and is there anything else in your retirement pension? Different varieties of fluids and non-constipation vary according to various variables.

Specifically, in this case, the basic principle of the retirement (for example, 60s and 70s) pension allocation of the present invention is as follows. -If you have both <variable pension> and <non-variable pension>:

1) When the variable amount is higher than the non- variable amount until the start of pension

-Variables to the 60s pension, Non-variables to the 70s pension

2) the reverse

-Make non- variable money with pension resources in the 60s and variable money with money in the 70s.

 Following the process (S113), the present invention performs a process of checking the maturity (S114).

The midterm expiration check process (S114) is when part of the midterm (A)

(A) If the credit is accumulated at the time of expiration of the instrument at the time of expiration of the instrument, the expected interest rate at that time is compared to the continued expected return of the non-expiration instruments (B, C). If this (B) or (C) is higher than the existing continuing rate of return: (A) The product will wake up later than (B) and be used for future pension funding, or vice versa. To consult (S115). As in the case of FIG. 11, the principal recovery rate is 130% in the tenth year after pension commencement, but each commodity is the same, but at commencement, if commodity <A> is 150, commodity <B> is 145 and commodity <C> is 140 Judging from that.

10,11..1n; Subscriber 20; Internet network 30; Main server 31; Computer body 32; Keyboard 33; Monitor 34; Microcomputer 35; Buffer 36; Modem 37; Hub 40; Storage 50; Insurer 60; Bank 300; Couple Environment Module 400; Child Environment Module 500; Future Interest Rate Module 600; Future Price Module 700; Non-Boxing Module

Claims (5)

A main server 30 for constructing pension insurance by using a program to a subscriber by an Internet connection using an internet network by dividing a year of non-expenditure of overexpenditure of a user;
A storage device 40 for storing various data and programs of the main server 30;
Subscribers 11 to 1n connected to the main server 30 through an internet connection using a subscriber computer and a modem;
An insurance company 50 connected to the main server 30 by a hotline or the Internet and requesting pension product sales to the main server;
A bank 60 connected to the main server 30 by a hotline or the Internet and requesting the sale of pension goods to the main server;
The main server 30 writes in the family relations column of the text screen loaded on the subscriber's computer screen, the family relation information process (S100);
The process of choosing a personalized condition to choose whether you want an elaborate, customized pension plan each year so that you do not receive a certain amount of pension every year, but more or less than the expected expenses of the year, such as retirement age, seventy-one, child marriage, and travel. (S200);
Next, the couple's environmental information process, including the expected pension receipt period, the desired pension, the couple's overseas travel fund period, and other matters (S300);
Subsequently, the child environment information process (S400) that describes the expected age of the child's marriage and the expected marriage support, the child's college scholarship, the child's scholarship and time, the child's housing funding and time;
Following the child environment information process (S400), in the process (S200), the pension is uniformly received, but the pension is uniformly received, but the future interest rate and price calculations are performed along with the case (S1020). External variable response process considering emergency funds (S567);
A general government input process (S800) for performing the external variable process (S567) or calculating the main server 300 by inputting general information when the calculation is not reflected in the process (S1000);
According to the overall government input process (S800), the pension receipt method presentation process (S900) is consulted to establish a customized pension plan with products sold by the relevant bank or insurance company to the subscriber 100 to establish an accurate retirement fund plan. Customized pension consulting method characterized by performing sequentially.
According to claim 1, wherein the external fluctuation process (S56) is the external fluctuation response process (S567) is a future interest rate information process (S500), in conjunction with the future interest rate module 500,
Future price information process (S600) that works with future price module 600,
Customized pension consulting method characterized in that the emergency fund information in conjunction with the emergency fund module (700) to carry out the emergency fund information flow or outflow (S700).
A main server 30 for constructing pension insurance by using a program to a subscriber by an Internet connection using an internet network by dividing a year of non-expenditure of overexpenditure of a user;
A storage device 40 for storing various data and programs of the main server 30;
Subscribers 11 to 1n connected to the main server 30 through an internet connection using a subscriber computer and a modem;
An insurance company 50 connected to the main server 30 by a hotline or the Internet and requesting pension product sales to the main server;
A bank 60 connected to the main server 30 by a hotline or the Internet and requesting the sale of pension goods to the main server;
The main server 30 writes in the family relations column of the text screen loaded on the subscriber's computer screen, the family relation information process (S100);
After the family relationship information process (S100) pension receipt age tailored process to fit the receipt of pension age based on age (S110);
In the pension receipt age-specific process (S110), if you do not need age-specific customization is carried out a personalized condition selection process (S200), if age-specific customization is required to select whether the pension is a variable or fixed rate of return selection process (S111) ;
If the non-variable rate of return is selected in the rate selection process (S111), the pension is paid at a constant rate. Customized pension consulting method characterized in that performed, including (S112).
According to claim 3, In the case of selecting a variable rate of return rather than non-variable in the rate selection process (S111) by comparing the variable rate of return with the variable rate of return variable selection process related to the variable rate of return to select the appropriate age (S113) Customized pension consulting method characterized in that further performing.
The method according to claim 4, further comprising: a mid-term maturity checking process (S114) for checking whether there is a product that expires before the age required after the variable return-related product selection process (S113);
In the case of the mid-term maturity confirmation process (S114), if the subscriber's mid-term product is found to be high after the mid-term maturity, if it is judged to be high, the pension fund is expired. Customized pension consulting method, characterized in that further performing the process (S115).

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