Patent ID: 11935132
Assignee: nan
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A smart pension management system operating a pension management process or providing information on the Internet or using a smart pension dedicated application,
wherein the smart pension management system includes a service platform that drives the smart pension dedicated application that provides a user interface for checking pension management and related information, the smart pension dedicated application being installed and executed on the customer terminal, or the customer terminal accesses a smart pension dedicated web site,
wherein the smart pension management system provides a guide including information that is the basis of pension calculation to the customer terminal through the smart pension dedicated application or in the form of a web page of the smart pension dedicated website,
wherein the smart pension management system comprises: a communication unit, a number-of-accounts calculating unit, a payment amount determining unit, a payment processing unit, and an insurance premium processing unit,
wherein the communication unit is an IP-assigned terminal, performs data communication with a customer terminal over a mobile communication network established as per mobile communication standards, protocols, or schemes, and communicates with an external agency server and an information provider server to gather information regarding average life expectancy required for determining the amount of pension payment,
wherein the number-of-accounts calculating unit calculates a number of pension accounts based on user age information, average life expectancy information, and a pension index and calculates the number of pension accounts by a formula “number (a) of pension accounts=(1−profit margin on sales)×deposit amount÷number of viable months÷pension index,” and wherein the number of viable months is a number of months remaining to an end of an average lifespan based on the user age information,
wherein the payment amount determining unit determines a monthly pension payment using the number of pension accounts calculated by the number-of-accounts calculating unit,
wherein the payment processing unit pays the monthly pension payment determined by the payment amount determining unit to a user's account,
wherein the insurance premium processing unit, when an insurance option is selected, deducts a predetermined insurance premium from the monthly pension payment determined by the payment amount determining unit, accrues the insurance premium, and if the user dies earlier than a contracted end of life set when signing up for an insurance, calculates and pays the accrued insurance premium,
wherein when a deposit option is selected, the number-of-accounts calculating unit calculates a number of deposit accounts by a formula “number (a′) of deposit accounts=(1−profit margin on sales)×deposit amount÷pension index,” and the payment amount determining unit determines a withdrawal amount based on the number of deposit accounts calculated by the number-of-accounts calculating unit,
wherein when a fixed-type pension option is selected, the number-of-accounts calculating unit calculates a number of fixed payment accounts by a formula “number (a”) of fixed payment accounts=(1−profit margin on sales)×deposit amount÷pension index÷amortization period (number of months),” and the payment amount determining unit determines a fixed monthly payment based on the number of fixed payment accounts calculated by the number-of-accounts calculating unit, and
wherein the pension index is a value determined every day and consists of three types of pension indexes created according to a bond investment-oriented type, a stock investment-oriented type, and a bond and stock mixed type asset management.