KR20130119712A - Pension saving system using accumulated point - Google Patents

Abstract

The purpose of the present invention is to provide a personal pension saving method using accumulated points which caches accumulated points by business through on and offline commerce, buys pension products such as a personal pension, and protects the pension product by a notarial act. [Reference numerals] (10) Client management unit;(12) Client information DB;(14) Point management unit;(18) Pension product management unit;(2) Client;(20) Authentication contract management unit;(4) Service company server;(6) Pension company management unit;(8) Point company management unit

Description

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

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

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

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

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

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

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

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

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

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

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

The present invention according to the above object in the pension accumulation system using the earning points generated by on-line and off-line commerce, the service provider server 4 for managing the pension accumulation system integrally, and generated by on-line and off-line commerce The pension company management unit (6) for managing pension product companies that provide pension products so that they can join the personal pension using the points earned points, the point company management unit (8) for managing the point companies providing points Client management unit 10 for storing and managing the personal information of the client (2), including the resident registration number, business number to look up the earning points of the company in the client information database 12, and the individual of the client management unit (10) Use the information to search the points earned by each point company, exchange them and deposit them into the point account The pension product management unit 18, which joins the pension product of the pension company management unit 6 with the amount deposited in the point account, and manages the payments transferred from the point account every month, and the pension product management unit 18 The pension product managed by the client is confirmed by the personal information of the client 2 including the client's social security number and the business number, and the client 2 and the service provider server 4 for the pension product subscribed to the client 2. , A notary contract management unit 20 to conclude a notarized contract between the pension company management unit (6).

In addition, the present invention in the pension accumulation method using the earning points generated by on-line and off-line commerce, the service provider server (4) to obtain personal information to query the earned points of the client (2) occurred in the on-offline commerce The first process (S100) provided to the, the second process (S102) to look up the points earned by the point companies using the provided personal information of the client (2) and the earning points inquired by the point companies exchanged by point companies The third step (S106) of cashing the points account and accumulating points according to the ratio, the fourth step (S112) of subscribing to the pension product using the amount accumulated in the point account, and the pension products joined by the client (2) The fifth step (S114) of signing a notary contract between the client (2), the service provider server (4), the pension company management department (6) after confirming by the personal information including the social security number and business number. Characterized in that the configuration.

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

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

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

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

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

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

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

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

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

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

The point inquiry unit 16a of FIG. 2 manages to search the earning points of the companies registered in the point company management unit 8 by using the personal information transmitted through the client information DB 12, and at this time, at least for point inquiry Use only your personal information. Such personal information prevents the leakage of personal information by notifying the client 2 of information such as the number of inquiries, the contents of inquiries, the inquiries, etc. each time point inquiry is used.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Claims (10)

In a pension accumulation system using an accumulation point generated by on-line and off-line commercial transactions,
A service company server 4 that integrally manages the pension award system,
A pension company management unit (6) that manages pension product companies that provide pension products so that they can join personal pensions using earned points generated by online and offline commerce;
Point company management unit (8) for managing point companies that provide earned points,
Client management unit 10 for storing and managing the personal information of the client (2) including the resident registration number, the business number to look up the earning points of the point company in the client information database (12), and
Point management unit 14 for retrieving the points earned for each point company using the personal information of the client management unit 10 and exchange them to deposit points in the point account, and
A pension product management unit 18 that joins a pension product of the pension company management unit 6 with the amount deposited in the point account and manages monthly payments transferred from the point account;
The pension product managed by the pension product management unit 18 is confirmed by the personal information of the client 2 including the resident registration number and the business number, and the client 2 and the service provider server for the pension product to which the client 2 is subscribed. (4), pension reserve system using the earning points, characterized in that consisting of a notarized contract management unit 20 to conclude a notarized contract between the pension company management unit (6).
The method of claim 1,
Client management unit 10 receives the personal information of the other client (2) to add up the earned food points pension credit system using the earned food points, characterized in that stored in the client information DB (12) to manage.
The method of claim 1,
The point management unit 14 is a point inquiry unit 16a for searching the points accumulated for each company using the personal information stored in the client information database 12,
Point exchange unit (16b) for converting the earned points inquired by company through the point inquiry unit (16a) to cash according to the exchange rate for each point company, and
The pension credit system using the earned points, characterized in that consisting of a point account management unit 16c for depositing and managing the cash exchanged by the point exchange unit (16b) to the point account.
The method of claim 1,
The pension product management unit 18 notifies the client 2 when the amount of money exchanged for points is less than the amount for joining the pension product, and receives the points for earning cash, which is received by the point account management unit 16c. Pension Accumulation System Used.
The method of claim 1,
Personal information of the client (2) is a pension credit system using the earning points, characterized in that the name, age, address, email address, contact number, social security number, business registration number.
In a pension accumulation method using an accumulation point generated by on-line and off-line commercial transactions,
The first process (S100) for providing personal information to the service provider server 4 to query the earned points of the client (2) generated in the online, offline commerce,
A second process (S102) of searching for points earned for each point company using the provided personal information of the client 2;
A third process (S106) of converting earned points inquired by point companies into cash points according to the exchange rate by point companies and earning them in the point accounts;
A fourth step (S112) of joining a pension product using the amount accumulated in the point account;
The fifth process of signing a notary contract between the client (2), the service provider server (4), and the pension company manager (6) after confirming the pension products subscribed by the client (2) by the personal information including the social security number and business number (S114) pension accumulation method using the earning points, characterized in that consisting of.
The method according to claim 6,
The pension accumulation method using the earning points, characterized in that the personal information for the sum of the earning points of the other client (2) to the service provider server (4) by the consent of the client (2) in the first process.
The method according to claim 6,
In the fourth process (S112), when the amount of money exchanged points for the pension product is insufficient to deposit the pension credit method, characterized in that the client (2) can be cashed into the point account.
The method according to claim 6,
After the fifth step (S112), the remaining amount after joining the pension products earned in the point account, the client (2) pension accumulation method using the earning points, characterized in that any one of the deposit to the bank account can be selected.
The method according to claim 6,
Personal information provided by the client (2) in the first process is a name, age, address, e-mail address, contact information, social security number, business registration number pension accumulation method using the earning points, characterized in that.

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