KR20150074788A

KR20150074788A - Pension system based on consuming activity and advertisement view and pension fund accumulation method using the same

Info

Publication number: KR20150074788A
Application number: KR1020130162886A
Authority: KR
Inventors: 김병산
Original assignee: 김병산
Priority date: 2013-12-24
Filing date: 2013-12-24
Publication date: 2015-07-02

Abstract

The present invention provides a pension system based on a consuming activity and an advertisement view and a pension fund accumulation method using the same. The pension system according to the present invention includes an affiliate terminal installed in an affiliate, a payment server, and an affiliate transaction bank server prepared in a bank where a business owner of the affiliate carries out transaction, and a pension business operator server. The pension business operator server calculates fund accumulated money by using payment information and requests a fund transfer from the payment server or the affiliate transaction bank server. A pension system according to the present invention is a method for a member, a customer, accumulating a pension fund through the usual consuming activities, so there is no burden of paying pension insurance. Therefore, all the country can register for the pension system and benefit from the same and the lower income bracket can expect practical benefits and the stability for the aged if an accumulation rate differentiated according to income or scale of an asset is applied. Also, the pension fund can be accumulated by not only the direct consuming activity but also just watching an advertisement on TV, a computer, and a mobile communications terminal, so the increase in a real pension receipt can be anticipated.

Description

[0001] The present invention relates to a pension system based on consumption activities and an advertisement view, and a method for accumulating the pension fund using the system,

The present invention relates to a pension system and a fund accumulation method. More particularly, the present invention relates to a pension system and a fund accumulation method, in which a consumer pays a portion of a payment made by a member for purchasing goods or services from an affiliated store to a fund, System and a fund accumulation method using the system.

In general, the pension system is a type of social insurance system in which a worker or a citizen pays a predetermined amount for a certain period of time and pays the pension when an accident such as old age, disability, retirement or death occurs.

These pension schemes are divided into public pension, private pension, and personal pension depending on the subject of operation. The public pension is operated by a special corporation designated by the state or law, and there are national pension, public employee pension, military pension, and private pension in Korea.

Private pensions are implemented to supplement public pensions, including occupational pensions and convention pensions. In addition, personal pension is a pension that recruits and manages contractors such as life insurance companies.

However, such a conventional pension system is operated on the basis of the premiums paid by the subscriber on a regular basis, so that it is difficult for a person who has no income or financial resources to join and maintain it.

In the case of the national pension, there is a system that defer payment of premiums if there is no long-term income, but if the amount of premium payment is small, the amount of pension receivable decreases accordingly. .

In addition, it is common opinion among many experts that funds will be depleted within a few decades if the current system is maintained. In order to prevent the depletion of the fund, even if the pension payment is reduced or the premium is raised, the burden on the subscriber is greatly increased. It is difficult to avoid the situation.

In recent years, there has been a growing interest in new pension schemes and methods that can complement or replace existing pension plans.

For example, Korean Patent Laid-Open No. 10-2013-0119712 discloses a pension accumulation system that can integrate points accumulated for each company by on-line and off-line commercial transactions, .

However, since the method of earning pension by the above-mentioned patent is a method of paying the total amount of points exchange as insurance premium after making a contract with a specific insurance company, if the total amount of points is less than the premium, the subscriber must pay the deficiency in cash. Therefore, when there are no points to earn because there is no consumption expenditure, the premiums must be paid in cash.

Korean Patent Publication No. 10-2013-0119712 (November 1, 2013)

SUMMARY OF THE INVENTION It is an object of the present invention to provide a pension system and method in which a consumer can accumulate funds without having to directly pay insurance premiums and receive them as a pension.

It also aims to diversify the fund raising method so that consumers with low income levels can receive pensions in a stable manner.

According to an aspect of the present invention, there is provided a pension system for accumulating a pension fund based on a consumption behavior of a consumer, comprising: a merchant terminal installed in an affiliated store; A payment server for performing a payment approval process of a payment card recognized by the merchant terminal; An affiliate shop bank server provided in a bank that is traded by an employer of the affiliate shop; And a pension fund server communicating with the merchant terminal, the payment server, and the merchant bank server through a communication network. The pension fund server calculates a fund accumulation amount using the payment information received from the payment server, Or a fund accumulation unit for requesting fund transfer to the merchant's bank server.

Further comprising an advertisement server transmitting the advertisement content to the member terminal and transmitting the advertisement web page to the member terminal, wherein the fund accumulation unit accumulates the fund accumulation amount using the advertisement reception information received from the member terminal or the advertisement server And request fund transfer to the advertisement server or the advertisement fund transfer bank server.

According to another aspect of the present invention, there is provided an information storage method comprising: an information storing step of storing information of a franchisee to which a pension fund is to be paid and a member to which a pension fund is to be accumulated; A payment information receiving step of receiving payment information from a payment server processing payment approval of a payment card; Calculating an amount of fund accumulation using the payment information; A transfer request step of requesting transfer of the fund accumulation amount to the payment server; And an information updating step of updating the fund accumulation amount information of the member.

Yet another aspect of the present invention is an information storage method comprising: an information storing step of storing information of a franchisee to which a pension fund is to be paid and a member to which a pension fund is to be accumulated; A payment information receiving step of receiving payment information from the merchant terminal; Calculating an amount of fund accumulation using the payment information; A transfer request step of requesting transfer of the fund accumulation amount to a merchant bank server; And an information updating step of updating the fund accumulation amount information of the member.

In the information storage step, information on the fund accumulation rate of each member and the fund payment rate of each merchant can be stored together. Also, the fund accumulation rate may be differentiated according to the income scale, property scale, or credit rating.

According to another aspect of the present invention, there is provided an information processing method comprising: an information storing step of storing information of an advertisement company to which a pension fund is to be paid and a member to accumulate a pension fund; An information receiving step of receiving advertisement view information of a member terminal from an advertisement server; Calculating an amount of fund accumulation using the advertisement view information; A transfer request step of requesting the advertisement server to transfer the fund accumulation amount; And an information updating step of updating the fund accumulation amount information of the member.

The advertisement view information may include a view time or a view number of the advertisement contents transmitted from the advertisement server.

According to another aspect of the present invention, there is provided an information processing method comprising: an information storing step of storing information of an advertisement company to which a pension fund is to be paid and a member to accumulate a pension fund; An information receiving step of receiving advertisement viewing information from a member TV or an advertisement server; Calculating an amount of fund accumulation using the advertisement viewing information; A transfer step of requesting an ad server to transfer the fund accumulation amount; And an information updating step of updating the fund accumulation amount information of the member. In the information storage step, information on the fund accumulation ratio for each advertisement can be stored together.

The pension system according to the present invention is a method in which a member who is a consumer accumulates a pension fund through usual consumption activities, and therefore, there is no burden of paying a pension premium. Therefore, all people can benefit from joining, and when applying the differentiated rate of accrual depending on income or property size, low-income earners can expect real benefits and stability in old age.

In addition, it is possible to earn a pension fund by simply watching advertisements on TV, computer, mobile communication terminal as well as direct purchasing activity, so that the actual pension receipt amount can be expected to increase.

1 is a schematic configuration diagram of a pension system according to a first embodiment of the present invention;
2 is a schematic configuration diagram of a pension fund server according to the first embodiment of the present invention
3 is a flowchart showing an example of a pension fund accumulation method according to the first embodiment of the present invention.
4 is a flowchart showing another example of a pension fund accumulation method according to the first embodiment of the present invention
5 is a flowchart showing another example of a pension fund accumulation method according to the first embodiment of the present invention
6 is a schematic configuration diagram of a pension system according to a second embodiment of the present invention
7 is a diagram illustrating the configuration of an advertisement server;
8 is a schematic configuration diagram of a pension fund server according to the second embodiment of the present invention
9 is a flowchart showing an example of a pension fund accumulation method according to a second embodiment of the present invention
10 is a flowchart showing another example of the pension fund accumulation method according to the second embodiment of the present invention

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

One. First Embodiment

1, the pension system according to the first embodiment of the present invention includes an affiliate terminal 10, a member terminal 20, a communication network 30, a pension company server 40, a payment server 50, A transaction bank server 60, and the like.

The merchant terminal 10 is preferably a card terminal or POS terminal capable of real-time checking of settlement amount information, which is a terminal provided in a company that enters into a contract with a pension business entity, which is the subject of the pension business according to the present invention . Or may be a mobile communication terminal or a computer terminal interlocked with a card terminal or a force terminal.

There are no special restrictions on the subject of a franchisee, and any business or person who receives a fee and provides goods or services may enter into a franchise agreement with the pension business.

The member terminal 20 is preferably a terminal of a member who is a consumer who purchases a commodity at a merchant or provides a service, and is preferably a mobile communication terminal or a computer terminal.

The communication network 30 is configured by selectively combining a wired or wireless Internet network, a private network, a mobile communication network, a public switched telephone network (PSTN), and the like.

The pension fund server 40 is a server of a pension fund company that operates a pension business according to the present invention. The pension fund server 40 is a server of a pension fund company that operates a pension business according to the present invention. (60) and the like.

The pension company manages the pension system according to the present invention, accumulates funds, manages the accumulated funds, and pays the pension to members meeting certain conditions based on the accumulated funds. Since the pension business according to the present invention has a high publicness, it is desirable that a government agency or a public entity becomes a pension fund provider.

The payment server 50 is a server of a bank or a credit card company, and is a server that performs payment approval for various payment cards such as a credit card, a check card, and a debit card, To the server (40), and transfers the reserve for the purchasing member to the pension company account at the request of the pension company server (40).

In this case, the payment gateway (payment gateway, P / G) of the settlement agency is also connected to the settlement server 50 (hereafter referred to as " ).

When the pension company issues a pension accumulation type payment card under the permission of the Financial Supervisory Service or the like, the pension company may install the payment server 50.

The merchant bank server 60 is a server of a bank that is traded by an affiliate shop or a merchant business owner. When the customer pays a cash payment, the merchant bank server 60 transmits the reserve for the purchaser member to the pension company account And to transfer them.

2, the pension fund server 40 that operates the pension system according to the present invention includes a member management unit 41, a merchant management unit 42, a fund accumulating unit 43, and a pension operating unit 44 And interacts with the member DB 47, the member shop DB 48, and the like.

The member management unit 41 performs procedures such as joining, withdrawing, information modification and authentication of a member who desires to benefit from the pension business according to the present invention. For example, a web page for member registration is provided to a computer or a mobile communication terminal of a prospective member, and the user authentication process is performed using the received information (name, address, resident registration number, telephone number, account number, Stores the information in the member DB 47 and, when a payment event occurs, confirms whether or not the user is a registered member by using the buyer information included in the payment information.

The merchant store management unit 42 performs procedures such as joining, leaving, correcting information, and authenticating the merchant store. For example, a web page for joining is provided to a computer or a mobile communication terminal of an applicant for joining an affiliate shop, and it is confirmed whether or not the affiliate shop is the owner by using the received information (business name, address, business name, resident number, transaction account, Stores information in the merchant store DB 48 and confirms whether the merchant is a registered merchant store using the merchant information included in the payment information when a payment event occurs.

The membership subscription process or the merchant subscription process described above may be performed off-line, and in this case, the information should be stored in the member DB 47 and the merchant DB 48 as well.

The fund accumulating unit 43 calculates the fund accumulation amount based on the registered reference using the payment information such as the member information, the merchant information, and the payment amount information received from the payment server 50 when the payment event occurs.

The funding amount is determined by applying the criteria set for the payment amount. The simplest method is to accumulate a certain percentage of all payments to the pension fund.

Another way is to apply a differentiated rate based on the franchisee. In the case of a franchisee, if the fund payment rate is high, it may increase the effect of attracting customers. However, since there is a disadvantage that the burden of the franchisee is increased, it is preferable to allow the franchisee to select the fund payment rate will be.

Another way is to apply differentiated ratios based on membership.

For example, taking into account the size of the members' income and the size of the property, the lower the income or property size, the higher the rate of the application. Since the pension according to the present invention can be joined by any citizen, the social security aspect is strong. Therefore, by differentiating the accumulation ratio according to the member's income scale, low-income members with low consumption expenditure can receive substantial assistance in the stability of basic life and old age .

As another example, the pension contribution rate may be differentiated according to the member's credit rating. In other words, the higher the credit rating, the higher the credit rating, which can lead to sound and responsible consumption.

However, when the differentiated ratio is applied to each member, it is difficult to accurately predict the fund payment rate at the merchant's stock position.

The fund accumulating unit 43 calculates the fund accumulation amount by applying the above-described criteria, requests that the accumulation amount calculated by the payment server 50 be transferred, and stores the fund accumulation amount information for each member. It may also store information on fund payment by merchant.

The pension management unit 44 plays a role of paying a pension to a member who meets the pension payment conditions. There is no particular restriction on the conditions under which the pension is paid, and it is common to pay based on age, disability level, etc., and a survivor's pension may be paid when the recipient dies.

The member DB 47 stores information on the personal information, the pension receipt account, the fund accumulation ratio of the settlement amount, the fund accumulation amount, the pension receipt amount, and the pension receiving condition for each member. If you make a special contract with a pension company, you also store special information.

The merchant DB 48 stores information on merchant information, merchant information, transaction bank information, fund payment rate, and fund payment amount for each merchant. If you make a special contract with a pension company, you also store special information.

Hereinafter, a fund accumulation method using the pension system according to the first embodiment of the present invention will be described. For convenience of explanation, the case of using a payment card and the case of paying cash will be described separately.

First, referring to FIG. 3, a case where a member purchases a product or service using a payment card will be described.

When a member joining the pension according to the present invention visits a franchisee who has entered into a franchise agreement with the pension business person, purchases a product or service, and presents a payment card, the franchisee manager transmits the payment card to the franchisee terminal 10 such as a card terminal or a force terminal Recognize the payment card and enter the payment amount. (ST11)

The merchant terminal 10 transmits the information to the payment server 50 to request payment approval, and the payment server 50 inquires the credit information of the member based on the received information to determine whether or not to approve the credit information.

When the payment server 50 approves the settlement, the approval information is transmitted to the merchant terminal 10, and the merchant manager issues the card slip to the member to complete the transaction. (ST12, ST13)

The payment server 50 transmits the payment information to the pension company server 40. The pension company server 40 transmits the payment information to the pension company server 40 through the member management unit 41 and the merchant management unit 42, Is registered. (ST14, ST15)

If either of the two is not a registered franchise store or member, the pension accumulation procedure is terminated. If all of the franchise stores are registered, the fund accumulation unit 43 calculates the fund accumulation amount from the payment amount. At this time, differentiated rates may be applied depending on the size of the member's income or the size of the property, and the payment rate selected by the merchant may be applied as described above. (ST16)

The pension company server 40 requests the payment server 50 to transfer the calculated funds through the above-described process, and the payment server 50 transfers the requested funds to the pension fund account. (ST17, ST18)

Subsequently, when the settlement server 50 transmits the transfer information to the pension company server 40, the pension company server 40 transmits the fund accumulation amount information of the corresponding member stored in the member DB 47 and the member store DB 48, Update the fund payment amount information. (ST19, ST20)

Funds earned in this manner are paid according to the conditions set for members with pension receiving conditions (age, disability, etc.).

On the other hand, in recent years, there are many cases where a product or service is purchased through online electronic commerce. FIG. 4 is a flowchart showing a fund accumulation method in this case.

Since the online transaction is performed through the member terminal 20 such as a computer or a mobile communication terminal, the payment card information is inputted or stored in the member terminal 20 (ST11 '), 3 in that the payment server 50 transmits the transaction approval signal to the member terminal 20 (ST13 ') by transmitting the information to the payment server 50 (ST12'), have.

3, the payment server 50 transmits the payment information to the pension fund server 40 after the payment is approved and the fund deposit is transferred on the basis of the payment amount is the same as the process of FIG. 3 described above .

Meanwhile, in offline trading, a member pays cash without using a payment card. Therefore, the following description will be made with reference to FIG.

Also in this case, the member information, the merchant information, and the settlement amount information should be transmitted to the pension company server 40. In order to do so, in addition to inputting a payment amount to the merchant terminal 10, a cash receipt card must be recognized by the merchant terminal 10 or member identification information such as a telephone number must be input to the merchant terminal 10. The member card issued by the pension company can be recognized by the merchant terminal 10. [ (ST31)

In this case, since the same payment approval procedure as when using the payment card is not necessary, the merchant terminal 10 directly transmits the entered payment amount information, the merchant point and the member information to the pension company server 40. [ (ST32)

The pension company server 40 confirms whether or not the pension fund server 40 is a registered member or a registered franchise based on the received information, and calculates the fund accumulation amount in accordance with the set criteria when the member is a registered member or an affiliated franchisee. The above-described methods can be selectively applied for calculating the fund accumulation amount. (ST33, ST34)

Subsequently, the pension company server 40 requests the merchant bank server 60 to transfer the calculated funds to the merchant bank server 60, and the merchant bank server 60 transfers the requested funds to the pension company account. (ST35, ST36)

Then, when the merchant transaction bank server 60 transmits the transfer information to the pension company server 40, the pension company server 40 transmits the fund deposit amount information of the corresponding member stored in the member DB 47 and the merchant DB 48 The fund payment amount information of the merchant is updated. (ST37, ST38)

2. Second Embodiment

In the first embodiment of the present invention described above, the pension fund is accumulated at a predetermined ratio with respect to the amount paid by the consumer member in exchange for the purchase of goods or services. However, according to this method, low-income people with low expenditures or people without income have a low fund-raising rate, making it difficult to receive substantial benefits.

In order to compensate for these drawbacks, additional fund accumulation is required in parallel with fund accumulation based on the settlement price of the consumer. In the second embodiment of the present invention, an online advertisement or a TV advertisement through the Internet or a mobile communication terminal is used And how to earn additional pension funds.

The pension system according to the second embodiment of the present invention includes a merchant terminal 10, a member terminal 20, a communication network 30, a pension company server 40, a payment server (not shown) 50, and an affiliate shop bank server 60, and includes an advertisement server 70 and an advertisement fund transfer bank server 80, which are different from the first embodiment have.

7, the advertisement server 70 is operated by a business entity that sells goods or services, an advertisement agency, a portal site company, a mobile communication service provider (hereinafter referred to as 'advertising company'), The advertisement content providing server 72 and the advertisement view confirming means 74,

The advertisement content providing server 72 may push the advertisement content to the member terminal 20 or transmit the bi-directional text message to the member terminal 20 to transmit the advertisement content, And transmits a web page for viewing the content.

The advertisement view confirming means 74 serves to confirm and compile the advertisement view (view) of the member, the view time, the number of views, and the like, and may be provided in the advertisement server 70 as shown in FIG. 7, It may be a means for requesting and receiving transmission of advertisement view related information from an agency or a portal site company.

The advertisement fund transfer bank server 80 is a server of a bank to which the advertisement fund is to be paid by a business entity, an advertisement agency, a portal site company, a mobile communication carrier, It is needless to say that the bank should be determined at the time of the advertisement contract and stored in the advertisement company DB 49.

8, in the second embodiment of the present invention, the pension fund server 40 includes not only the member management unit 41, the merchant management unit 42, the fund accumulating unit 43, the pension operating unit 44 And an advertisement management unit 45.

The advertisement company management unit 45 performs procedures such as joining, leaving, correcting information, and authenticating the advertisement company. For example, a web page for joining is provided to a server of an advertisement company or a computer or a mobile communication terminal of an applicant of an advertisement company, and the web page of the advertisement company using the received information (business name, address, business name, resident registration number, And stores the received information in the advertisement company DB 49.

Hereinafter, a fund accumulation method using the pension system according to the second embodiment of the present invention will be described. For convenience of explanation, a case where a member views an advertisement received through the Internet or a mobile communication network and a case where an advertisement is viewed while watching a TV are described separately.

9 shows a fund accumulation method when a member receives an advertisement through a member terminal 20 connected to the Internet or a mobile communication network.

First, the advertisement server 70 must receive and store member information from the pension company server 40. The member information to be received preferably includes at least one of a member's telephone number, an e-mail address, and an SNS account. Internet IP address may be included. (ST51)

Then, the advertisement server 70 requests the user terminal 20, such as a computer or a mobile communication terminal, to request an advertisement reception agreement. When the advertisement server 70 receives the agreement signal from the member terminal 20, the advertisement server 70 transmits the advertisement contents to the member terminal 20 , And a web page for viewing the advertisement contents. (ST52, ST53, ST54)

The member terminal 20 reproduces the received advertisement content or accesses the received web page to receive the advertisement content. (ST55),

Then, the advertisement server 70 transmits the advertisement reception related information to the pension company server 40, and the advertisement reception related information includes the advertisement information or the member information which receives the web page. (ST56)

The fund accumulation unit 43 of the pension company server 40 calculates the fund accumulation amount of the corresponding member based on the information received from the advertisement server 70. [ The fund accumulation ratio may be applied differently for each of the advertisement contents. In this case, it is needless to say that the fund accumulation ratio for each advertisement content must be stored in the advertisement company DB 49 in advance. (ST57)

The issuer pension company server 40 requests the advertisement server 70 to transfer the calculated funds. It may request the direct fund transfer to the advertisement fund transfer bank server 80 without requesting the fund transfer to the advertisement server 70. (ST58)

The advertisement server 70 or the advertisement fund transfer bank server 80 transfers the requested funds to the pension fund account and transfers the transfer information to the pension fund company server 40. [ (ST59, ST60)

The pension company server 40 updates the fund accumulation amount information of the corresponding member stored in the member DB 47 and the fund payment amount information of the corresponding advertisement company. (ST61)

FIG. 10 shows a fund accumulation method when a member watches an advertisement on the member TV 22. FIG. It is preferable that the member TV 22 at this time is a digital TV capable of confirming the reception of the advertisement and transmitting / receiving the related information.

First, when the TV broadcast advertisement is broadcasted on the member TV 22 (ST71), the member TV 22 transmits the advertisement viewing information to the pension carrier server 40. [ The advertisement viewing information includes the member information, information on the TV advertisement broadcasted, and the like. It is also possible for the advertisement server 70 to receive the advertisement viewing information from the member TV 22 and transmit it to the pension company server 40 without sending the advertisement viewing information directly to the pension business operator terminal 40 Thereby reducing the communication load of the pension company server 40. [ (ST72)

The fund accumulation unit 43 of the pension company server 40 calculates the fund accumulation amount of the corresponding member based on the advertisement viewing information received from the member TV 22 or the advertisement server 70. [ The fund accumulation ratio may be applied differently for each TV advertisement. In this case, it is needless to say that the advertisement accumulation ratio should be stored in the advertisement company DB 49 in advance. (ST73)

Subsequently, the pension company server 40 requests the advertisement server 70 to transfer the calculated funds. It may request the direct fund transfer to the advertisement fund transfer bank server 80 without requesting the fund transfer to the advertisement server 70. (ST74)

The advertisement server 70 or the advertisement fund transfer bank server 80 transfers the requested funds to the pension fund account and transfers the transfer information to the pension fund company server 40. [ (ST75, ST76)

The pension company server 40 updates the fund accumulation amount information of the corresponding member stored in the member DB 47 and the fund payment amount information of the corresponding advertisement company. (ST77)

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is clearly understood that the same is by way of illustration and example only and is not to be taken by way of limitation, It is to be understood that the invention is not limited thereto.

10: Merchant terminal 20: Member terminal
30: network 40: pension provider server
41: Member Management Section 42: Merchant Management Section
43: fund accumulation part 44: pension management part
45: Advertiser company management unit 47: Member DB
48: Merchant DB 49: Advertiser DB
50: Payment server 60: Merchant bank server
70: advertisement server 80: advertisement fund transfer bank server

Claims

In a pension system for earning pension funds based on consumer behavior,
A merchant terminal installed at an affiliated store;
A payment server for performing a payment approval process of a payment card recognized by the merchant terminal;
An affiliate shop bank server provided in a bank that is traded by an employer of the affiliate shop;
A pension fund provider server communicating with the merchant terminal, the payment server and the merchant bank server through a communication network
Wherein the pension fund server includes a fund accumulating unit for calculating a fund accumulation amount using the payment information received from the payment server and requesting the fund transfer to the payment server or the merchant's bank server, system

The method according to claim 1,
Further comprising: a member terminal; and an advertisement server transmitting advertisement contents to the member terminal or transmitting an advertisement web page,
Wherein the fund accumulation unit calculates a fund accumulation amount by using the advertisement reception information received from the member terminal or the advertisement server and requests the fund transfer to the advertisement server or the advertisement fund transfer bank server.

An information storing step of storing information of a franchisee to which the pension fund is to be paid and a member to which the pension fund is to be accumulated;
A payment information receiving step of receiving payment information from a payment server processing payment approval of a payment card;
Calculating an amount of fund accumulation using the payment information;
A transfer request step of requesting transfer of the fund accumulation amount to the payment server;
An information updating step of updating the fund accumulation amount information of the member
How to Earn a Pension Fund Including

An information storing step of storing information of a franchisee to which the pension fund is to be paid and a member to which the pension fund is to be accumulated;
A payment information receiving step of receiving payment information from the merchant terminal;
Calculating an amount of fund accumulation using the payment information;
A transfer request step of requesting transfer of the fund accumulation amount to a merchant bank server;
An information updating step of updating the fund accumulation amount information of the member
How to Earn a Pension Fund Including

The method according to claim 3 or 4,
Wherein the information storage step stores information on the fund accumulation rate of each member and the fund payment rate of each of the merchant stores together

6. The method of claim 5,
The fund accumulation rate is differentiated according to the member's income scale, property scale, or credit rating, and the method of accumulating the pension fund

An information storing step of storing information of an advertisement company to which the pension fund is to be paid and a member to accumulate the pension fund;
An information receiving step of receiving advertisement view information of a member terminal from an advertisement server;
Calculating an amount of fund accumulation using the advertisement view information;
A transfer request step of requesting the advertisement server to transfer the fund accumulation amount;
An information updating step of updating the fund accumulation amount information of the member
How to Earn a Pension Fund Including

8. The method of claim 7,
Wherein the advertisement view information includes a view time or a view number of the advertisement contents transmitted from the advertisement server.

An information storing step of storing information of an advertisement company to which the pension fund is to be paid and a member to accumulate the pension fund;
An information receiving step of receiving advertisement viewing information from a member TV or an advertisement server;
Calculating an amount of fund accumulation using the advertisement viewing information;
A transfer step of requesting an ad server to transfer the fund accumulation amount;
An information updating step of updating the fund accumulation amount information of the member
How to Earn a Pension Fund Including

10. The method according to claim 7 or 9,
And the information on the fund accumulation ratio for each advertisement is stored together in the information storing step.