KR20200008237A - System for operating annuity insurance - Google Patents

Abstract

The present invention relates to a system for providing an employee welfare improvement pension insurance product using idle research and development government funds, comprising an idle research and development government fund analysis unit, a business diagnosis unit, a pension-type insurance matching unit, and a pension-type insurance management unit. According to the present invention, pension-type insurance is provided to an employee of a selected company by using idle research and development government support funds, thereby increasing welfare benefits and providing a corporate tax benefit to the company.

Description

System for operating annuity insurance for employee welfare promotion pension insurance using idle research and development government funds

The present invention relates to an employee welfare promotion pension insurance product providing system utilizing idle research and development government funds, and more particularly, to subscribe to pension insurance to employees of a selected company using idle research and development government funds. It relates to an employee welfare promotion pension insurance product providing system utilizing idle R & D government funds that provide corporate tax benefits.

Among the funds supported by the government for companies, the leaved funds remain intact every year, and the size of the leaved funds is gradually increasing. Among these government funding, in particular, R & D funds may not be able to apply for support because they do not know the announcement, or they may be reluctant because of difficulty in handling expenses such as receipt processing. There is a problem that remains. The use of this R & D fund is problematic because the idle R & D fund is useless if it does not benefit the company.

Korean Patent Application Publication No. 2003-0073465 (Invention name: Operation method of social donation system using insurance service) Republic of Korea Patent Application Publication No. 10-2011-0112719 (Name of the invention: Good time insurance service providing system and a good time insurance service providing method using the same) Republic of Korea Patent Publication No. 10-1692234 (Invention name: Method of performing simple payment using ICT by receiving information including credit limit)

Therefore, the present invention has been created to solve the problems described above, increase the welfare benefits by providing pension insurance to the employees of the selected company utilizing the idle research and development government support funds among the government support funds, Its purpose is to provide corporate tax benefits.

However, the objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned will be clearly understood by those skilled in the art from the following description.

The above object of the present invention is to receive the status data of the idle research and development government funds from the consulting company database, among the government research and development funds, calculate the idle research and development government funds, and classify and select them as pension insurance business support fund. Idle R & D Government Fund Analysis, Pension Insurance Insurance Purchase Costs Funds for companies to apply for funding and employee status from consulting company database department to diagnose companies and classify applicants based on the diagnosis. Corporate diagnostics department to determine the eligibility of the applicant company, pension insurance to match the type of pension insurance to the pension insurance coverage for each selected company, and calculate the premium paid for each company employee according to the matching Corporate burden premium according to matching department and payment premium calculation of each company employee And the corresponding pension insurance subsidies, and the corresponding premiums are regularly paid by the corporate fund management department and the idle research and development government fund management department, and after the contract is terminated, the pension insurance is paid to the employees and the IRS database department It can be achieved by providing an employee welfare promotion pension insurance product providing system utilizing the idle research and development government funds, including a pension insurance management department requesting a corporate tax reduction as much as the burden premium.

In addition, the idle research and development government fund analysis department receives the idle research and development government fund status data from the consulting company database, and the idle research and development government fund calculates the idle research and development government funds based on the status data. A fund calculation unit and a pension insurance business cost support fund selection unit that selects and classifies the calculated idle research and development government funds as pension insurance business support fund;

The company's diagnosis department checks and diagnoses the size of the company's pension insurance support funds based on the applicant's fund status and employees' status. Employee status to determine whether there is eligibility Diagnosis department, applicant company classification to classify the applicant companies by category according to the size of the company's pension insurance support fund and the company's manufacturing sector, and support for the company's pension insurance business expenses by category Includes a selection of applicant companies to determine eligibility,

The pension insurance matching unit is a pension insurance type matching unit that matches the type of pension insurance for each selected company classified by category according to the applying company, and pays the premiums paid by each company's employees according to the match. Includes a pension premium calculation unit calculated by dividing the project cost support fund premium,

The pension insurance management department regularly receives and manages the company-paid premiums and the corresponding pension-related insurance business support fund premiums from the corporate fund management department and the idle research and development government fund management department, according to the calculation of the premium paid by each company employee. Termination such as sex premium management department, pension premium payment department that pays pension insurance to the employees who have terminated the contract, corporate tax reduction request requesting corporate tax reduction as much as corporate burden premium to the National Tax Service database, and employee turnover before termination of the contract, or It includes a termination and termination management unit that determines the reason for termination of termination, requests termination of corporate tax reduction from the IRS database department upon termination or termination, and notifies the corporate fund management department of the termination of pension insurance.

In addition, the employee's pension insurance can provide the company with corporate tax benefits, while at the same time providing the employees of the target company with pension insurance benefits.

According to the present invention as described above, it is possible to increase welfare benefits by providing pension insurance to employees of selected companies using idle research and development government support funds among government support funds, and provide corporate tax benefits to the companies. have.

The following drawings, which are attached to this specification, illustrate one preferred embodiment of the present invention, and together with the detailed description thereof, serve to further understand the technical idea of the present invention. It should not be construed as limited.
1 is a schematic configuration diagram of a system for providing employee welfare promotion pension insurance products using idle research and development government funds according to an embodiment of the present invention;
Figure 2 is a flow chart for providing employee welfare promotion pension insurance products utilizing idle research and development government funds in accordance with an embodiment of the present invention.

Hereinafter, with reference to the drawings will be described a preferred embodiment of the present invention. In addition, one Example described below does not unduly limit the content of this invention described in the Claim, and the whole structure described in this Embodiment is not necessarily required as a solution of this invention. In addition, the matters obvious to those skilled in the art and the art may be omitted, and description of the omitted elements (methods) and functions may be sufficiently referred to without departing from the technical spirit of the present invention.

Employee welfare promotion pension insurance product providing system using the idle research and development government funds according to an embodiment of the present invention to utilize the idle funds of the government research and development funds to subscribe the pension insurance to the employees of individual companies and at the same time The present invention relates to a system for developing or providing pensionable insurance products that improves employee welfare by reducing corporate taxes. Hereinafter, with reference to the accompanying drawings will be described in detail for the employee welfare promotion pension insurance product providing system using the idle research and development government funds.

As shown in FIG. 1, the insurance consulting firm examines the state of idle research and development funds among government R & D funds, and inputs the surveyed idle research and development fund status into a database of the consulting firm. Idle research and development government funds, which are not used in the database department of consulting firms, are categorized and entered by government agencies and funds. In other words, the idle R & D government funds are inputted and managed separately according to the type of government agencies (for example, the Small and Medium Business Administration R & D funds or R & D funds from the Ministry of Commerce, Industry and Energy).

The idle research and development government fund analysis unit 100 includes an idle research and development government fund status data management unit, an idle research and development government fund calculation unit, and a pension insurance business fund support fund selection unit.

Status of Idle R & D Government Fund Management The management department receives the above-mentioned status of idle research and development government funds from the database of the consulting company, and extracts the available idle research and development government funds based on the received data. In other words, the government funds that can be used and the government funds that are difficult to use are separated from the idle R & D government funds, and the available government funds are categorized and managed according to the government fund source department and fund size. The available government fund is used as matching fund for pension insurance business expenses to be described later.

The idle research and development government fund calculation department calculates the categories of available government funds by category. Matching companies may vary depending on the government funding department and the scale of output. In other words, if the government funding department is the Ministry of Maritime Affairs and Fisheries, the pension insurance matching department, which will be described below, will match the marine-related companies (except for companies that are not related to the marine-related companies). Matching funding is determined by the number.

Pension fund support fund selection section selects and classifies idle research and development government funds into pension insurance fund support fund. The project cost support funds classified and selected as described above are managed by the idle research and development government fund management unit 510.

The company diagnosis section includes a company status diagnosis section, an employee status diagnosis section, an applicant company classification section, and an applicant company selection section. The company's status diagnosis department receives the funding status of the applicant company and the employee's status from the consulting company's database department, and based on this, grasps and diagnoses the size of the company's pension insurance support fund. In other words, depending on the sales volume of each company and the size of the eligible employees, the amount of pension insurance support funds that an individual company should support may vary, and accordingly, the amount of the company's matching fund burden is calculated and diagnosed for each applicant. do.

The employee status diagnosis unit calculates and diagnoses the number of employees and the company's contribution, and selectively diagnoses employees who are eligible for insurance according to the contribution. For example, the company's contribution can be set up to calculate the contributions such as the company's years of service and experience scores.

The Applicant Enterprise Classification Division categorizes the applicant companies by category according to the amount of pension insurance support funds borne by the individual company, calculated according to the number of employees entitled to insurance and the manufacturing sector to which the company belongs.

The applicant company selection unit determines whether the applicant company is eligible for pension insurance business expense support by category. For example, the determination of eligibility for support may be made in advance in various conditions such as whether the fund is a fund for pension insurance business expenses related to the manufacturing field of the company and whether the company has evacuated tax.

 The pension insurance matching unit includes a pension insurance type matching unit, a pension insurance premium calculation unit, and a pension insurance insurance matching unit. The pension insurance type matching unit matches the type of pension insurance according to the applied companies for each of the categorized selected companies. Pension insurance, for example, can be divided into pension insurance and pension saving insurance, matching the type of insurance to each applying company. At this time, the type of pension insurance may be applied for designation by the employee eligible for insurance.

The pension premium calculation unit calculates the premium paid by each company's employees divided by the company-paid premium and the pension insurance business cost support premium according to each company matching. In other words, the pension premium calculation unit calculates the premiums of corporate expenses and support funds burden for the pension insurance of employees. At this time, the burden premium is calculated according to each matching ratio. As an example, if the burden of funding for the business expense against the corporate burden is 50:50, it is halved. Therefore, each burden ratio is preset. However, the supporting ministries that support these pension funding expenses may predetermine such burden ratios.

The pension insurance subscription matching unit matches in consideration of the type of pension insurance selected, matching the supporting ministries supporting the project cost and the manufacturing sector of the selected company, and categorizing the size and categorization of the categorized support funds. Matching takes into account the amount of funding the firm needs, and the pension insurance to which individual employees will be matched.

The pension insurance management unit includes the pension insurance premium management unit, the pension insurance premium payment unit, the corporate tax reduction request unit, the termination and termination management unit. According to the calculation of the premium paid by each company employee, the pension premium management department regularly collects the company-paid premium and the corresponding pension-based insurance business support fund premium from the enterprise fund management unit 520 and the idle research and development government fund management unit 520, respectively. Managed by payment.

The pension premium payer pays pension insurance to the employee after the end of the normal contract.

The corporation tax exemption request unit requests the corporation tax exemption as much as the corporate tax premium to the IRS database. The Corporate Tax Reduction Request Unit applies for corporate tax reductions to the IRS, and thereafter, corporate tax reductions are made on a monthly basis.

Termination and Termination Management determines the reason for termination or termination of termination such as employee turnover before the termination of the contract, and requests termination of tax reduction from the IRS database upon termination or termination of the contract, and terminates or terminates pension insurance. Stop the company's premium payments by notifying the Corporate Fund Management Department.

As described above, it is possible to provide welfare benefits to employees of the target company while providing corporate tax benefits due to the employee's pension insurance coverage.

In the following description of the present invention, those skilled in the art and those skilled in the art may omit descriptions, and descriptions of such omitted components (methods) and functions may be sufficiently referred to without departing from the technical spirit of the present invention. Could be.

The description of the configuration and functions of the above-described parts have been described separately for convenience of description, and any configuration and function may be implemented by being integrated into other components, or may be further subdivided as necessary.

As mentioned above, although demonstrated with reference to one Embodiment of this invention, this invention is not limited to this, A various deformation | transformation and an application are possible. That is, those skilled in the art will readily appreciate that many modifications are possible without departing from the spirit of the invention. In addition, when it is determined that the detailed description of the known function and its configuration or the coupling relationship for each configuration of the present invention may unnecessarily obscure the subject matter of the present invention, it should be noted that the detailed description is omitted. something to do.

100: Idle R & D Government Fund Analysis Department
200: corporate diagnostics
300: pension insurance matching unit
400: Pension Insurance Management Department
510: Idle R & D Government Fund Management Department
520: corporate money management

Claims (3)

Idle R & D Government Fund Analysis Department, which receives the status data of the idle R & D government funds from the consulting company database department, calculates the idle R & D government funds, and classifies and selects them as support funds for the pension insurance business.
For companies applying for the pension insurance purchase cost support fund, the company's fund status and employee status are transferred from the consulting company database to diagnose the company, classify the applying company based on the diagnosis, and determine whether the applicant is eligible. Enterprise diagnostic department to judge
A pension insurance matching unit for matching the types of pension insurance provided by the selected pensions to the pension insurance insurance business support fund, and calculating the paid premiums for each company employee according to the matching;
According to the calculation of the premium paid by each of the employees of the company, the company-paid premium and the corresponding pension insurance premium support fund burden premiums are regularly paid from the Corporate Fund Management Department and the Idle Research and Development Government Fund Management Department, respectively. An employee welfare promotion pension insurance product providing system using idle research and development government funds, which includes providing a pension insurance to employees and requesting corporate tax reductions as much as corporate burden premiums to the IRS database.
The method of claim 1,
The idle research and development government fund analysis unit,
Idle R & D government fund status data management unit, which receives the idle R & D government fund status data from the consulting company database,
Idle R & D government fund calculation unit calculating idle R & D government funds based on the present status data, and
It includes a pension fund project fund selection fund that selects and classifies the calculated idle R & D government fund as a fund fund for pension insurance.
The company diagnosis unit,
A company status diagnosis department that grasps and diagnoses the amount of pension insurance support fund of a company that the company bears based on the fund status of the applicant company and employee status;
An employee status diagnosis unit for diagnosing the contribution of employees of the enterprise and deriving eligibility for pension insurance,
Applicant company classification unit for classifying the applicant companies according to the size of the pension insurance support fund of the company and the manufacturing field of the company, and
It includes the applicant company selection unit that determines whether the applicant company is eligible for pension insurance business expense support by category.
The pension insurance matching unit,
Pension insurance type matching unit that matches the type of pension insurance covered by each selected company classified by category according to the applying company,
In accordance with the matching includes the pension premium calculation unit for calculating the premium paid by each company employee divided by the corporate burden premium and pension insurance business expenses support fund burden premium,
The pension insurance management unit,
According to the calculation of the premium paid by each of the employees of the enterprise, the pension premium management department, which regularly pays and manages the company-borne premium and the corresponding pension insurance premium support fund burden premiums from the corporate fund management department and the idle research and development government fund management department, respectively.
Pension premium payment department that pays pension insurance to employees after the termination of the contract,
A corporate tax reduction request unit requesting a corporate tax reduction equivalent to a corporate burden insurance premium by the National Tax Service database unit, and
Determination of termination or termination of termination, such as employee turnover before the termination of the contract, and according to the termination or termination of the corporate tax administration to request to stop corporate tax reduction, including the termination and termination management department to notify the corporate fund management department of pension insurance termination Employee welfare promotion pension insurance product providing system utilizing idle research and development government funds.
The method of claim 2,
The employee welfare promotion pension insurance product providing system using idle research and development government funds, which provides corporate tax benefits to the company by supporting the employee's pension insurance, and at the same time, provides pension insurance welfare benefits to the employees of the target company. .

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