KR20220128899A - Method for subscribing defined contribution retirement pension and system thereof - Google Patents

Abstract

Disclosed are a method for subscribing a defined contribution retirement pension and a system thereof. The method for subscribing a defined contribution retirement pension comprises the steps of: receiving, by the defined contribution retirement pension system, a subscription application for a defined contribution retirement pension from a terminal of an applicant before receiving a subscription list from a company system of an applicant company; receiving, by the defined contribution retirement pension system, the subscription list from the company system; confirming, by the defined contribution retirement pension system, whether the subscription application corresponds to the subscription list; and based on the confirmation result, opening, by the defined contribution retirement pension system, an account for the defined contribution retirement pension corresponding to the subscription application. The present invention can quickly process the time of subscribing the retirement pension.

Description

Method for subscribing defined contribution retirement pension and system thereof

The present invention relates to a method for joining a defined contribution retirement pension and a system therefor.

More specifically, it relates to a method and system that enables a customer to easily open a defined contribution retirement pension account and subscribe to a product by selecting a desired financial institution at a desired time.

The retirement pension system is a system in which a company accumulates and manages expenses for retirement benefits in advance in a financial institution, and pays it as a lump sum or annuity when workers retire.

Retirement pension plans are divided into defined benefit (DB), defined contribution (DC), mixed (DB+DC), and individual retirement pensions (IRP).

The defined benefit type (DB) is a product in which the level of salary that an employee will receive is determined in advance. In addition, the individual type (IRP) is a product that allows users to pay additional charges by setting up an IRP account other than the user's contribution.

In addition, as the ultra-low interest rate trend continues for a long time, the number of investors who want to increase their assets through active investment is increasing, and the subscription of defined contribution products is actively taking place.

However, conventionally, in order to sign up for a retirement pension, the customer's company selects the affiliated institution, delivers the list of DC subscriptions to the financial company, and completes the account opening through face-to-face contact with the financial company's employees (employee dispatch, branch visits, etc.). This is a common process. Concerns about incomplete sales have always been a problem.

This conventional method may be as shown in FIG. 1 .

1 is a diagram for explaining a method of joining a conventional defined contribution retirement pension.

Referring to FIG. 1 , an applicant can apply for subscription to a financial institution immediately after selecting the financial institution that he/she wants, that is, a management institution of a retirement pension by himself. A notification should be made (S10).

Then, the company delivers the subscription list necessary for the subscription of the prospective member to the corresponding financial institution (S20), and only after receiving this subscription list, the financial institution contacts the prospective subscription face-to-face or non-face-to-face with the information necessary for subscription (Information required for account opening) is checked (S30), and then the account opening required for retirement pension subscription is completed (S40).

However, in this conventional method, a series of processes for actual account opening (retirement pension subscription) proceeds only after the subscriber list provided by the company is delivered to the financial institution, and the customer's defined contribution retirement pension (hereinafter referred to as 'DC Retirement Pension)' ') There was a problem with the account opening.

In addition, in the conventional method, the selection of various pension products for a retirement pension is made only after the account opening is made, so there is a problem in that the fund management of those wishing to join is delayed as a whole.

Korean Patent Publication No. 10-0961725 "Defined Contribution Retirement Pension Operation Method and System"

Therefore, the technical task to be achieved by the present invention is that the process related to account opening can be performed in advance through a non-face-to-face channel before the delivery of the subscription list, which has different timing and processing period for each company, so that the user's convenience and the time of joining the retirement pension It is to provide a method and a system for quickly processing the

In addition, it is to provide a method and system that can provide speedy operation of funds by enabling the selection of DC retirement pensions in advance before opening an account.

The defined contribution retirement pension subscription method to achieve the above technical task is to apply for subscription of the defined contribution retirement pension from the subscriber terminal before the defined contribution retirement pension system receives the subscription list from the company system of the company receiving, by the defined contribution retirement pension system, receiving the subscription list from the company-side system, confirming, by the defined contribution retirement pension system, whether the subscription application and the subscription list correspond, and confirming and opening, by the defined contribution retirement pension system, an account for the defined contribution retirement pension corresponding to the subscription application based on the result.

The defined contribution retirement pension subscription method further comprises the step of notifying, by the defined contribution retirement pension system, information on the subscription application to the company-side system, and in response to the notification, the subscription from the company-side system You can receive the list.

The defined contribution retirement pension subscription method further comprises the step of transmitting, by the defined contribution retirement pension system, guide information so that the subscription applicant notifies the company of the information on the subscription application, in response to the notification The subscription list may be received from the company-side system.

The defined contribution retirement pension subscription method includes: receiving, by the defined contribution retirement pension system, a reservation application for a defined contribution retirement pension product from the subscriber terminal before receiving the subscription list from the company-side system; storing the reservation information corresponding to the reservation application received by the defined contribution retirement pension system, and after the account is opened, executing the purchase of the defined contribution retirement pension product corresponding to the stored reservation information It may further include the step of

The defined contribution retirement pension subscription method includes the steps of confirming whether a contract with a financial institution operating the defined contribution retirement pension system is signed based on the information about the company included in the received subscription application, and as a result of the confirmation, there is no contract In the case of an established company, the defined contribution retirement pension system may further include transmitting contract request information including information on the subscription application to the company's system.

The defined contribution retirement pension subscription method further comprises the step of creating a virtual account corresponding to the basic information included in the subscription application, and based on the confirmation result, the defined contribution retirement pension system receives the subscription application Opening an account for a corresponding defined contribution retirement pension may include converting the virtual account into a real account.

The method of subscribing to the defined contribution retirement pension further includes generating customer reservation information for identifying a person wishing to join, and storing subscription reservation information including the customer reservation information and basic information included in the subscription application, The step of the defined contribution retirement pension system opening an account for the defined contribution retirement pension corresponding to the subscription application based on the confirmation result includes the step of opening the account corresponding to the stored subscription reservation information can do.

According to another aspect, in the defined contribution retirement pension subscription method according to the technical idea of the present invention, before the defined contribution retirement pension system opens an account for the retirement pension product of the applicant, the defined contribution retirement pension is obtained from the subscriber's terminal. receiving a reservation request for an annuity product; storing reservation information corresponding to the reservation request received by the defined contribution retirement pension system; and after receiving the subscription list and opening the account, executing the purchase of the defined contribution retirement pension product corresponding to the stored reservation information.

The method may be implemented by a computer-readable computer program stored in a recording medium.

According to another aspect, the defined contribution retirement pension system according to the technical idea of the present invention includes a processor and a memory in which a program driven by the processor is stored, and the processor drives the program, Before receiving the subscription list from the company-side system, receive an application for subscription of the defined contribution retirement pension from the subscriber terminal, receive the subscription-list from the company-side system, and check whether the subscription application and the subscription list match and, based on the confirmation result, the defined contribution retirement pension system opens an account for the defined contribution retirement pension corresponding to the subscription application.

The processor may drive the program to notify the information on the subscription application to the company-side system, and receive the subscription list from the company-side system in response to the notification.

The processor operates the program, before receiving the subscription list from the company-side system, receives a reservation request for a defined contribution retirement pension product from the subscriber terminal, and receives reservation information corresponding to the received reservation request. and, after the account is opened, the purchase of the defined contribution retirement pension product corresponding to the stored reservation information may be executed.

The processor drives the program to create a virtual account corresponding to the basic information included in the subscription application, converts the virtual account to a real account based on the confirmation result to open the account, or After generating customer reservation information for identifying the customer, and storing subscription reservation information including the customer reservation information and basic information included in the subscription application, based on the confirmation result, the customer reservation information corresponding to the stored subscription reservation information You can open an account.

A defined contribution retirement pension system according to another aspect includes a processor and a memory in which a program driven by the processor is stored, and the processor drives the program to open an account for a retirement pension product of an aspiring member , receives a reservation request for a fixed contribution retirement pension product from the subscriber's terminal, stores reservation information corresponding to the received reservation request, and receives the subscription list from the company's system of the applicant to open the account After that, it is possible to execute the purchase of the defined contribution retirement pension product corresponding to the stored reservation information.

According to the defined contribution retirement pension subscription method and the system according to the present invention, the process related to account opening can be performed through a non-face-to-face channel in advance before the delivery of the subscription list, which has different timing and processing period for each company, for user convenience. And it has the effect of expediting the time of joining the retirement pension.

In addition, it has the effect of enabling the selection of DC retirement pensions in advance even before the account is opened, and enabling quick fund management after the account is opened.

In order to more fully understand the drawings recited in the Detailed Description of the Invention, a brief description of each drawing is provided.
1 is a diagram for explaining a method of joining a conventional defined contribution retirement pension.
2 is a view for explaining a method of joining a defined contribution retirement pension according to an embodiment of the present invention.
3 shows a system configuration for implementing a defined contribution retirement pension subscription method according to an embodiment of the present invention.
4 shows a schematic configuration of a retirement pension system according to an embodiment of the present invention.
5 is a flowchart illustrating a method for joining a defined contribution retirement pension and a product reservation method through the method according to an embodiment of the present invention.
6 to 8 are exemplary screens for explaining a defined contribution retirement pension subscription method according to an embodiment of the present invention.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects achieved by the practice of the present invention, reference should be made to the accompanying drawings illustrating preferred embodiments of the present invention and the contents described in the accompanying drawings.

In addition, in the present specification, when any one component 'transmits' data to another component, the component may directly transmit the data to the other component or through at least one other component. This means that the data may be transmitted to the other component.

Conversely, when one component 'directly transmits' data to another component, it means that the data is transmitted from the component to the other component without passing through the other component.

Hereinafter, the present invention will be described in detail by describing preferred embodiments of the present invention with reference to the accompanying drawings. Like reference numerals in each figure indicate like elements.

2 is a view for explaining a method of joining a defined contribution retirement pension according to an embodiment of the present invention.

Referring to FIG. 2, as in the subscription method of the conventional defined contribution retirement pension (DC retirement pension) described in FIG. Unlike financial institutions and subscribers who were able to perform the process (input of basic information, etc.) for account opening only after the company selects the subscription list with the financial institution, according to the technical idea of the present invention, the prescribed information provided by the financial institution Through a channel (eg, a web page or an app, etc.) of , the applicant may first perform a process for opening an account (account opening reservation) (S100).

In particular, according to the technical idea of the present invention, an account for DC retirement pension is opened?? Previously, those wishing to join can make a reservation by selecting a DC retirement pension product through a predetermined channel provided by a financial institution, and through this, the funds can be operated with the DC retirement pension product selected in advance as soon as the account opening is completed. It can be done (S100).

That is, according to the technical idea of the present invention, the selection of the DC retirement pension product and/or the reservation of the DC retirement pension product of the member wishing to join can be made first, and then the financial institution of the applicant's choice is notified to the company. or (S110), or the financial institution may notify the company that the applicant has selected the subscription (S110-1).

Then, the company can deliver the subscription list corresponding to the applicant to the financial institution (S120), and the financial institution determines whether the information entered at the time of the account opening reservation matches the subscription list, and then completes the account opening. can be (S130).

According to the technical idea of the present invention, in the conventional method, an account for DC retirement pension is opened only after the company's subscription list is delivered, and the selection of DC retirement pension products can be made after the account is opened. It has the effect of making it easy and quick to join DC retirement pension products and manage assets.

In particular, according to the technical idea of the present invention, the process of transferring the subscription list from a company to a financial institution may have a different processing period for each company, and accordingly, there is a considerable risk that asset management may not start at the time desired by the subscription applicant. , according to the technical idea of the present invention, there is an effect that all or a substantial part of the procedure for account opening/product reservation can be carried out in advance during the processing period for each company.

In addition, according to an embodiment of the present invention, the financial institution may notify that the selection of the applicant has been made to the company ( S110-1 ), and in this case, the applicant usually has a contract with the company to which the applicant belongs. It is common to select a financial institution of DC as one's DC retirement pension, so it is difficult to see that it is a choice of a financial institution in the true sense. As a result, members can clearly understand the needs of their members, and even if they do not have a contract with the financial institution they want, the member's choice of a financial institution can have the effect of being a financial institution's proposal to the company, so you can actively contract with a new financial institution. opportunity to make a decision or to make a decision.

Also, if the applicant is affiliated with multiple companies, it may be necessary to join the DC Retirement Pension for each company. Due to the difference in the processing period for each company, the inconvenience was very great for the applicants because they had to proceed with the process for opening an account at different times. However, according to the technical idea of the present invention, it is possible to uniformly apply (reserve) to open a plurality of DC retirement pension accounts in advance. effect that can be provided.

A system configuration for implementing this technical idea may be as shown in FIG. 3 .

3 shows a system configuration for implementing a defined contribution retirement pension subscription method according to an embodiment of the present invention.

Referring to FIG. 3 , a defined contribution retirement pension system (hereinafter, 'retirement pension system', 100) may be provided in order to implement the defined contribution retirement pension subscription method according to the technical idea of the present invention.

The retirement pension system 100 may communicate with the subscriber wishing terminal 200 and/or the certification authority system 300 to implement the defined contribution retirement pension subscription method according to the technical idea of the present invention.

The retirement pension system 100 may be a system for processing the subscription of DC retirement pension and/or the purchase of DC retirement pension products of the person wishing to join according to the technical idea of the present invention. And the retirement pension system 100 may be a system of a financial institution that provides such a financial service. The retirement pension system 100 is a system implemented with at least one physical device for a financial institution such as a bank or a securities company to provide a defined contribution retirement pension subscription method and/or asset management service according to the technical idea of the present invention can

The subscription wisher terminal 200 may be a terminal that requests the retirement pension system 100 to open an account (retirement pension subscription) for DC retirement pension while the subscription applicant uses it. Also, as will be described later, it may be a terminal that requests a reservation and/or purchase of a DC retirement pension product.

In order to implement the technical idea of the present invention, such as a user's smart phone, computer, tablet, set-top box, etc., the subscriber terminal 200 is implemented as any terminal capable of performing wired/wireless communication with the retirement pension system 100 . An average expert in the technical field of the present invention can easily infer that this is possible.

A predetermined application distributed by an operator (eg, a financial institution) of the retirement pension system 100 may be installed in the subscriber terminal 200 . Of course, services can be provided. In addition, an average expert in the technical field of the present invention can easily infer that the function performed by the subscriber terminal 200 in the present specification may be performed by the hardware of the subscriber terminal 200 by driving the application. will be able

The certification institution system 300 may be a system operated by a third-party certification institution (eg, the Korea Financial Telecommunications and Clearings Institute, a self-certification service provider, etc.), and the subscriber terminal 200 and/or the retirement pension While communicating with the system 100, a predetermined authentication means (eg, certificate, information required for fingerprint authentication, etc.) is issued or authentication using an authentication means (eg, fingerprint authentication, digital signature authentication using a certificate, mobile phone identity authentication, etc.) ) may be a system that performs

In addition to the configuration shown in FIG. 3, an additional system may be further required to implement the technical idea of the present invention, and the retirement pension system 100 may be divided into more components by function or physically, and various embodiments are possible. An average expert in the technical field of the present invention can easily infer. In addition, it has been seen that which configuration of the retirement pension system 100 performs each function of the retirement pension system 100 defined by this specification may vary depending on the embodiment of the retirement pension system 100 . An average expert in the art of the invention can easily infer.

The retirement pension system 100 may provide a defined contribution retirement pension subscription and/or asset management service according to the technical idea of the present invention.

In the present specification, the defined contribution retirement pension subscription service refers to a conventional method in which the applicant selects a financial institution in advance and notifies the company, and then the company delivers the subscription list for the applicant to the financial institution to the financial institution. It may refer to a financial service created so that the account opening procedure and/or the purchase procedure of DC retirement pension products, which were only performed afterward, can be carried out in whole or in part before the company's intervention.

Usually, the delivery of the company's subscription list to the financial institution has the character of approval of the DC retirement pension from the customer company through the relevant financial institution of the applicant. By carrying out the procedure, the effect of promptly starting asset management as described above and/or expanding the range of options for actual financial institutions can be achieved.

A detailed configuration of the retirement pension system 100 for implementing this technical idea may be as shown in FIG. 4 .

4 shows a schematic configuration of a retirement pension system according to an embodiment of the present invention.

First, referring to FIG. 4 , the retirement pension system 100 is provided to implement the defined contribution retirement pension subscription method according to the technical idea of the present invention.

The retirement pension system 100 may include a memory 120 in which a program for implementing the technical idea of the present invention is stored, and a processor 110 for executing the program stored in the memory 120 .

An average expert in the technical field of the present invention will be able to easily infer that the processor 110 may be named in various names, such as CPU, mobile processor, etc., depending on the implementation example of the retirement pension system 100 . In addition, as described with reference to FIG. 3 , the retirement pension system 100 may be implemented by organically combining a plurality of physical devices. An average expert in the art of the present invention can easily infer that the annuity system 100 can be implemented.

The memory 120 stores the program and may be implemented as any type of storage device that the processor can access to drive the program. Also, depending on the hardware implementation, the memory 120 may be implemented as a plurality of storage devices instead of any one storage device. Also, the memory 120 may include a temporary memory as well as a main memory. In addition, it may be implemented as a volatile memory or a non-volatile memory, and may be defined to include all types of information storage means implemented so that the program can be stored and driven by the processor.

The retirement pension system 100 may be a system operated and implemented by a financial institution such as a securities company or a bank according to an embodiment, and may be implemented in various ways such as a web server, a computer, etc., and performs the functions defined herein. It may be defined as meaning including any type of data processing device capable of doing so.

In addition, according to an embodiment of the retirement pension system 100, various peripheral devices (peripheral device 1 130 to peripheral device N 130-1) may be further provided. For example, an average expert in the technical field of the present invention will be able to easily infer that a keyboard, monitor, graphic card, communication device, etc. may be further included in the retirement pension system 100 as peripheral devices.

Of course, an average expert in the technical field of the present invention will be able to easily infer that the subscriber terminal 200 may also have the configuration shown in FIG. 4 .

5 is a flowchart illustrating a method for joining a defined contribution retirement pension and a product reservation method through the method according to an embodiment of the present invention.

Referring to FIG. 5 , the method of subscribing to a defined contribution retirement pension according to the technical idea of the present invention may be performed through communication between the subscriber terminal 200 and the retirement pension system 100 . Needless to say, the subscriber's terminal 200 and/or the retirement pension system 100 may authenticate the subscriber as needed through communication with the certification authority system 300 .

First, the subscriber terminal 200 may apply for DC retirement pension subscription to the retirement pension system 100 (S200).

Through such a subscription application, the subscriber's terminal 200 may deliver basic information (eg, the subscriber's name, information about the affiliated company, contact information, etc.) necessary for subscription to the retirement pension system 100 .

In addition, during this subscription application procedure, it is necessary to perform identity authentication through the certification authority system 300 , and in this case, the retirement pension system 100 provides information necessary for authentication from the subscriber's terminal 200 (eg, the mobile phone user). In the case of authentication, a communication company, mobile phone number, date of birth, gender, name, etc.) are input and transmitted to the authentication authority system 300 , and in response, an authentication result is received to authenticate that the applicant is the real person.

Then, the retirement pension system 100 may store the subscription reservation information including the received basic information in a predetermined storage device (S210). In the retirement pension system 100, the subscription reservation information may include customer reservation information (eg, a series of numbers and/or letters) that can identify the subscriber. To this end, the retirement pension system 100 may generate customer reservation information corresponding to the subscription applicant and store the subscription reservation information including the generated customer reservation information in a predetermined DB. And when the subscription list is transmitted from the company and the received subscription list corresponds to the subscription reservation information (eg, whether it is a member of the affiliated company, etc.), it is possible to complete the account opening corresponding to the subscription reservation information stored in the DB (S250) ). Of course, the account corresponding to the subscription reservation information may mean an account for a customer corresponding to the subscription reservation information.

In addition, according to an embodiment, instead of simply storing subscription reservation information and then opening an account when the subscription list arrives, the retirement pension system 100 may create a temporary account in advance using subscription reservation information ( S210).

In the case of creating a temporary account in this way, as will be described later, after receiving the product reservation information from the subscription applicant terminal 200 before the account opening, even before the account opening is completed, the reserved product after opening the temporary account may have been purchased. If it is assumed that the Alternatively, in the case of an active asset management style, there is an effect of virtual asset management such as changing the portfolio of products using a virtual account.

As such, according to the technical idea of the present invention, if only an application for DC retirement pension subscription (application for opening an account) is made in advance, and the subscription list is transmitted from the company to the financial institution of the retirement pension system 100 and entered into the retirement pension system 100 The opening of the account may be completed. However, according to an embodiment, the person wishing to join may actively make a product reservation for DC retirement pension rather than just applying for subscription for DC retirement pension before delivery of the company's subscription list.

To this end, the subscriber terminal 200 may receive information on at least one DC retirement pension product through the retirement pension system 100 and/or a channel (web or app) associated therewith.

In addition, after confirming the received information, the subscribed person may make a product reservation and transmit product reservation information for this to the retirement pension system 100 .

Then, the retirement pension system 100 can reserve the product for the DC retirement pension desired by the subscriber by storing the received product reservation information (S230).

And when the subscription list delivered from the company is input into the retirement pension system 100 and it is confirmed whether the subscription application of the applicant and the subscription list correspond (for example, the information included in the subscription list and the information at the time of subscription application are Corresponding case) (S240), the retirement pension system 100 may purchase a pre-booked DC retirement pension product at the same time as the account opening is completed so that the operation of the asset can be started within a short time (S250).

Of course, the confirmation procedure (S240) of the subscription list can be performed only when the subscription list is received from the company directly to the retirement pension system 100 or indirectly through another system of a financial institution that operates the retirement pension system 100. have.

Therefore, in the present specification, the fact that the retirement pension system 100 receives certain information may mean not only the case of direct reception but also the case of inputting the information indirectly through various paths. An average expert in

A company may be provided with a predetermined company-side system (not shown), and the retirement pension system 100 may receive a subscription list from the company-side system.

The subscription list may contain information necessary for joining DC Retirement Pension, such as the name of the person wishing to join, resident number, date of entry, contact information, employment information, and standard salary, and information to be provided by the company.

In order to transfer the subscription list from the company-side system to the retirement pension system 100 , the retirement pension system 100 may transmit a notification of the fact of subscription application including that there has been an application for subscription from the applicant. Then, the company-side system may deliver the subscription list to the retirement pension system 100 in response to this notification. To this end, the retirement pension system 100 may receive in advance information related to the company's system (information about the person in charge, e-mail, web system, etc.) when applying for subscription.

According to another embodiment, the retirement pension system 100 may transmit guide information so that the subscription applicant directly notifies his/her company of the subscription application fact. Even in this case, the company-side system may transmit the subscription name view corresponding to the subscriber to the retirement pension system 100 .

In any case, when the subscription list is transmitted from the company-side system to the retirement pension system 100, the retirement pension system 100 determines whether the subscription application and the subscription list match (S240), and finally completes the account opening. can be (S250).

Of course, if a provisional account has been created in the previous procedure, the account opening for the subscriber may be completed by converting the provisional account into a real account according to a predetermined protocol.

Of course, if the final subscription to the retirement pension is not completed for a predetermined period after the subscription application (eg, not receiving the subscription list, etc.), the customer reservation information and subscription reservation information stored in the DB may be deleted from the DB. In addition, when an application for subscription is received and a provisional account is opened, the provisional account may be canceled (invalidated).

When a temporary account is created and converted to a real account, information about the expected operating amount at the time of application for subscription is received from the subscriber terminal 200 in advance, and after receiving a reservation for the product, it is expected before the opening of the real account. Virtual asset management may be performed according to the amount of operation, and the result may be provided to the subscriber terminal 200 at the time of conversion to a real account (the time of completion of account opening). Then, the subscriber terminal 200 may have an opportunity to view the virtual asset operation result and select a product (including portfolio configuration) different from the previously performed product reservation.

In addition, the retirement pension system 100 receives the subscription application from the subscription applicant terminal 200 (S200), and then, based on the information about the company included in the received subscription application, the defined contribution retirement pension system You can also check whether you have a contract with a financial institution that operates

And, as a result of confirmation, when the company is a company that has not signed a contract with the financial institution, the retirement pension system 100 may transmit contract request information including information on the subscription application to the company-side system.

In other words, financial institutions will have the opportunity to request a contract for the operation of DC retirement pension based on the request of their members, even if the company does not have a contract with them.

6 to 8 are exemplary screens for explaining a defined contribution retirement pension subscription method according to an embodiment of the present invention.

As shown in FIG. 6 , the subscription applicant terminal 200 may apply for subscription through a channel provided by the retirement pension system 100 directly or indirectly.

A UI 10 for requesting input of information about the affiliated company through the channel for subscription application may be provided to the subscriber terminal 200, and then the UI 11 for a predetermined identity authentication, terms and conditions and personal information Basic information is input from the subscriber terminal 200 to the retirement pension system 100 through the UI 12 for information, marketing-related consent, and the UI 13 for input of basic information (contact information, address, etc.) In this case, the UI 14 providing information indicating that the DC basic information registration is complete may be provided to the subscriber terminal 200 .

Thereafter, the subscription application may be completed without product reservation, but as described above, the retirement pension system 100 may receive a reservation for the DC retirement pension product from the subscriber terminal 200 even before opening an account.

In addition, even before the completion of the subscription application, that is, even before the account opening, the retirement pension system 100 can provide information on the status of application processing to the subscription applicant, and a predetermined function and/or UI so that the information on product reservation can be corrected. Of course, it is possible to provide

For this, information input through the reservation guide UI 20 for DC retirement pension products, the UI 21 for checking investment information, and the UI 21 for checking the investment information as shown in FIGS. A series of UIs 22 to 27 for recommending and selecting a DC retirement pension product according to the investment propensity determined through this may be provided to the subscriber terminal 200 .

In addition, the product reservation may include selection of a weight for at least one DC retirement pension product selected through the predetermined UI 27, and may include a procedure for consenting to investment explanation, of course.

Then, as shown in the UI 28 , product reservation information for a reserved product may be provided to the subscriber terminal 200 .

Also, as described above, through the UI 29 , guide information may be provided to the subscriber's terminal 200 so that the subscriber can directly notify the company of the selection of the financial institution. Of course, as described above, the retirement pension system 100 may directly transmit the notification of the selection of the financial institution to the company-side system.

The defined contribution retirement pension subscription method according to an embodiment of the present invention can be implemented as a computer-readable code on a computer-readable recording medium. The computer-readable recording medium includes all types of recording devices in which data readable by a computer system is stored. Examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, hard disk, floppy disk, and optical data storage device. In addition, the computer-readable recording medium is distributed in a computer system connected through a network, so that the computer-readable code can be stored and executed in a distributed manner. And functional programs, codes, and code segments for implementing the present invention can be easily inferred by programmers in the art to which the present invention pertains.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those of ordinary skill in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Accordingly, the true technical protection scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (14)

receiving, by the defined contribution retirement pension system, an application for subscription of the defined contribution retirement pension from the subscriber terminal before receiving the subscription list from the company system of the company of the applicant;
receiving, by the defined contribution retirement pension system, the subscription list from the company-side system;
checking, by the defined contribution retirement pension system, whether the subscription application and the subscription list correspond;
and opening, by the defined contribution retirement pension system, an account for the defined contribution retirement pension corresponding to the subscription application, based on a confirmation result.
The method of claim 1, wherein the defined contribution retirement pension subscription method comprises:
Further comprising the step of notifying, by the defined contribution retirement pension system, information on the subscription application to the company-side system,
The defined contribution retirement pension subscription method, characterized in that receiving the subscription list from the company-side system in response to the notification.

The method of claim 1, wherein the defined contribution retirement pension subscription method comprises:
The method further comprises the step of transmitting, by the defined contribution retirement pension system, guide information so that the aspiring subscriber notifies the company of the information on the subscription application,
The defined contribution retirement pension subscription method, characterized in that receiving the subscription list from the company-side system in response to the notification.
The method of claim 1, wherein the defined contribution retirement pension subscription method comprises:
receiving, by the defined contribution retirement pension system, a reservation request for a defined contribution retirement pension product from the subscriber terminal before receiving the subscription list from the company-side system;
storing reservation information corresponding to the reservation request received by the defined contribution retirement pension system; and
After the account is opened, the method further comprising the step of executing the purchase of the defined contribution type retirement pension product corresponding to the stored reservation information.
The method of claim 1, wherein the defined contribution retirement pension subscription method comprises:
checking whether or not a contract with a financial institution operating the defined contribution retirement pension system is made based on the received information on the company included in the subscription application; and
If the confirmation result is a non-contracted company, the defined contribution retirement pension system further comprising the step of transmitting contract request information including information on the subscription application to the system of the company.
The method of claim 1, wherein the defined contribution retirement pension subscription method comprises:
Further comprising the step of creating a virtual account corresponding to the basic information included in the subscription application,
The step of the defined contribution retirement pension system opening an account for the defined contribution retirement pension corresponding to the subscription application based on the confirmation result includes:
and converting the virtual account into a real account.
The method of claim 1, wherein the defined contribution retirement pension subscription method comprises:
Generating customer reservation information for identifying a subscription applicant, and storing the customer reservation information and subscription reservation information including basic information included in the subscription application,
The step of the defined contribution retirement pension system opening an account for the defined contribution retirement pension corresponding to the subscription application based on the confirmation result includes:
A defined contribution retirement pension subscription method comprising the step of opening the account corresponding to the stored subscription reservation information.
In the defined contribution retirement pension subscription method,
receiving, by the defined contribution type retirement pension system, a reservation request for a defined contribution type retirement pension product from the subscriber's terminal before the account for the retirement pension product of the person wishing to join is opened;
storing reservation information corresponding to the reservation request received by the defined contribution retirement pension system;
After the defined contribution type retirement pension system receives the subscription list from the system of the company of the aspiring member and opens the account, purchasing the defined contribution type retirement pension product corresponding to the stored reservation information A method of joining a defined contribution retirement pension, including the steps.
A computer readable computer program installed in a data processing apparatus and stored in a recording medium for performing the method according to any one of claims 1 to 8.
processor;
and a memory in which a program driven by the processor is stored,
The processor drives the program,
Before receiving the subscription list from the company's system of the company of the prospective member, receiving an application for subscription of the defined contribution retirement pension from the subscriber's terminal, receiving the subscription list from the company's system, the subscription application and the subscription A defined contribution retirement pension system in which it is checked whether the list corresponds, and based on the confirmation result, the defined contribution retirement pension system opens an account for the defined contribution retirement pension corresponding to the subscription application.
The method of claim 10, wherein the processor drives the program,
Notifying the information about the subscription application to the system of the company,
A defined contribution retirement pension system for receiving the subscription list from the company-side system in response to the notification.
The method of claim 10, wherein the processor drives the program,
Before receiving the subscription list from the company-side system, receiving a reservation request for a defined contribution retirement pension product from the subscriber terminal, storing reservation information corresponding to the received reservation request, and after the account is opened , the defined contribution type retirement pension system for executing the purchase of the defined contribution type retirement pension product corresponding to the stored reservation information.
The method of claim 10, wherein the processor drives the program,
creating a virtual account corresponding to the basic information included in the subscription application, converting the virtual account into a real account based on the confirmation result, and opening the account;
After generating customer reservation information for identifying the subscription applicant, storing the customer reservation information and the subscription reservation information including basic information included in the subscription application, based on the confirmation result, the stored subscription reservation information is A defined contribution superannuation system that opens the corresponding account.
processor;
and a memory in which a program driven by the processor is stored,
The processor drives the program,
Before the account for the retirement pension product of the person wishing to join is opened, a reservation request for a defined contribution type retirement pension product is received from the terminal of the person who wants to join, and reservation information corresponding to the received reservation request is stored, and the company of the person wishing to join A defined contribution type retirement pension system that receives the subscription list from a side system and purchases the defined contribution type retirement pension product corresponding to the reservation information stored after the account is opened.

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