A car-hailing supplementary personal pension system

Abstract

The application provides a taxi-hailing supplementary personal pension system, and relates to the technical field of wisdom travel and pension financial integration, and has the characteristics that it comprises an official taxi call platform, a passenger terminal, a driver terminal, a personal pension account management module, a fund custodian cooperation organization and an incentive and compliance control module; the official taxi call platform is used for receiving a passenger taxi-hailing request and dispatching a taxi service. The application has the advantages that the passenger can accumulate security for the future without increasing expenses, the driver's income is guaranteed and the driver can enjoy incentives, the platform can create a differentiated brand and accumulate high-value user data, and on the social level, the application can help the country to cope with aging and promote the landing of inclusive finance, and all links are ensured to be safe and compliant by relying on official platforms and licensed institutions, so that multiple value improvements from individuals to society are realized.

Description

Technical Field

[0001] This invention relates to the field of smart mobility and elderly care finance integration technology, and in particular to a ride-hailing supplementary personal pension system. Background Technology

[0002] In recent years, the rapid expansion of ride-hailing platforms has plunged the traditional taxi industry into a predicament characterized by fierce price wars, service homogenization, and declining driver income. While official dispatch platforms possess advantages in credibility, regulatory compliance, and data security, they are clearly lacking in user appeal and market competitiveness. Meanwhile, my country's aging population continues to intensify, and the government is actively promoting a personal pension system, encouraging residents to accumulate retirement savings through diverse channels. However, low- and middle-income groups generally lack convenient, low-threshold, and sustainable ways to accumulate pension funds.

[0003] While some existing technologies attempt to combine cashback or points redemption with pension products, there are still significant shortcomings: First, they fail to be deeply integrated into daily high-frequency travel scenarios; second, user participation and conversion rates are low; third, fund transfers lack transparency and there is a lack of compliant escrow and effective value-added mechanisms; and fourth, a win-win incentive loop for passengers, drivers, and the platform has not yet been established.

[0004] Therefore, there is an urgent need for an innovative system that can automatically, seamlessly, and compliantly transform taxi rides—a rigid form of travel consumption—into personal pension savings, thereby enhancing the added value of travel services and effectively supporting the implementation of the national pension strategy. Summary of the Invention

[0005] The purpose of this invention is to provide a ride-hailing supplementary personal pension system, which solves the problems in the existing technology such as the disconnect between the pension accumulation mechanism and high-frequency travel consumption scenarios, low user participation, opaque fund flow, and lack of a three-party incentive closed loop.

[0006] To achieve the above-mentioned objectives, the technical solution adopted by this invention is as follows:

[0007] A taxi-hailing supplementary personal pension system is characterized by comprising: an official taxi dispatch platform, passenger terminals, driver terminals, a personal pension account management module, a fund custody cooperation institution, and an incentive and compliance control module;

[0008] The official taxi dispatch platform is used to receive passenger taxi requests and dispatch taxi services.

[0009] The personal pension account management module automatically opens a dedicated "personal pension account" for passengers after they complete real-name registration through the official taxi dispatch platform;

[0010] When settling each taxi order, the system automatically transfers a portion of the fare paid by the passenger to the personal pension account according to a preset ratio, and the funds are then managed in a dedicated account by the fund custody partner.

[0011] As an improvement, the pension fund transfer ratio is 1%-20% of the fare, which is selected by the passenger through the passenger terminal before taking the ride. In addition, the base taxi fare paid by the passenger is not higher than the price of the same route on mainstream online car-hailing platforms during the same period, so as to ensure price competitiveness.

[0012] As an improvement, the fund custody partner is a commercial bank or pension insurance institution with pension product custody qualifications. The transferred funds are managed in a special account and operated in a closed loop, and are only used to invest in low-risk pension financial products approved by the state.

[0013] As an improvement, both the driver terminal and the weighing terminal are mobile applications. The driver's income is not affected by the transfer of pension funds, and the driver receives the full fare.

[0014] The platform covers the cost of transferring pension funds through initial operating subsidies and issues additional service quality rewards based on drivers' service ratings, order acceptance rates, and passenger satisfaction rates.

[0015] As an improvement, the system displays "This fare is XX yuan, of which XX yuan has been deposited into your pension account" in real time on the order details page of the passenger terminal after each order is completed, making the fund transfer process transparent and traceable.

[0016] As an improvement, a data analysis module is also included to collect statistics on users' travel habits and pension accumulation trends, and to generate personalized retirement planning suggestions.

[0017] As an improvement, the withdrawal of funds from the personal pension account strictly follows the regulations of the national personal pension system, and withdrawals are only allowed under specific conditions such as the statutory retirement age, complete loss of working ability, or serious illness.

[0018] As an improvement, the system connects with the national social insurance public service platform or the personal pension information management service platform to ensure the compliant reporting of account opening, payment records, product purchases and tax deduction information.

[0019] As an improvement, the official taxi dispatch platform is a government-authorized or registered public transportation service platform with unified dispatch, electronic payment, trip monitoring and data security authentication capabilities. As the only legal access channel for this system, it ensures credibility and compliance.

[0020] As an improvement, the system is linked to government pension subsidy policies, allowing users to enjoy tax benefits or government matching subsidies when their pension accumulation reaches a certain amount.

[0021] The beneficial effects of this invention are as follows: For passengers: Without increasing travel costs, daily taxi-taking behavior is transformed into long-term retirement savings, realizing "consumption as investment" and enhancing user stickiness and loyalty;

[0022] For drivers: Guarantee their full income, add service incentives, stabilize the workforce, and enhance their professional dignity;

[0023] For the platform: Build differentiated competitive advantages, strengthen the brand image of "reliable, secure, and beneficial to the future," and accumulate high-quality user and behavioral data;

[0024] For society: Responding to the national strategy for addressing aging, promoting the implementation of inclusive elderly care finance, especially benefiting groups who have no time for financial management or have low financial literacy;

[0025] Compliance and security: We rely on official platforms and cooperate with licensed financial institutions to ensure fund security, process transparency, and regulatory compliance. Attached Figure Description

[0026] Figure 1 This is an overall architecture diagram of a ride-hailing supplementary personal pension system according to the present invention.

[0027] Figure 2 This is a data flow diagram of a ride-hailing supplementary personal pension system according to the present invention. Detailed Implementation

[0028] To make the content of this invention easier to understand, the technical solutions of the embodiments of this invention will be clearly and completely described below with reference to the accompanying drawings. Identical components are represented by the same reference numerals. It should be noted that the terms "front," "rear," "left," "right," "up," and "down" used in the following description refer to directions in the accompanying drawings, while the terms "inner" and "outer" refer to directions toward or away from the geometric center of a specific component, respectively.

[0029] like Figures 1 to 2 As shown, a taxi-hailing supplementary personal pension system is characterized by comprising: an official taxi dispatch platform, a passenger terminal, a driver terminal, a personal pension account management module, a fund custody cooperation institution, and an incentive and compliance control module; the official taxi dispatch platform is used to receive passenger taxi requests and dispatch taxi services; the personal pension account management module automatically opens a dedicated "personal pension account" for passengers after they complete real-name registration through the official taxi dispatch platform; at the time of settlement for each taxi order, the system automatically transfers a portion of the fare paid by the passenger to the personal pension account according to a preset ratio, and the fund custody cooperation institution manages the account in a dedicated account.

[0030] like Figures 1 to 2 As shown, the pension fund transfer ratio is 1%-20% of the fare, which is selected by the passenger through the passenger terminal before boarding. The base taxi fare paid by the passenger will not be higher than the price of the same route on mainstream ride-hailing platforms during the same period, to ensure price competitiveness. The fund custody partner is a commercial bank or pension insurance institution with pension product custody qualifications. The transferred funds are managed in a special account and operated in a closed loop, and are only used for investing in low-risk pension financial products approved by the state. Both the driver terminal and the weighing terminal are mobile applications. The driver's income is not affected by the pension fund transfer, and the driver receives the full fare.

[0031] like Figures 1 to 2 As shown, the platform covers the cost of pension fund transfers through initial operating subsidies and provides additional service quality rewards based on driver service ratings, order acceptance rates, and passenger satisfaction rates. After each order is completed, the system displays "This fare is XX yuan, of which XX yuan has been deposited into your pension account" in real time on the passenger's order details page, ensuring transparency and traceability of the fund transfer process. It also includes a data analysis module to analyze user travel habits and pension accumulation trends, and generate personalized retirement planning suggestions. Withdrawals from the personal pension account strictly adhere to national regulations on personal pension funds, allowing withdrawals only under specific conditions such as reaching the statutory retirement age, complete loss of working capacity, or suffering from a serious illness.

[0032] like Figures 1 to 2 As shown, the system interfaces with the National Social Insurance Public Service Platform or the Individual Pension Information Management Service Platform to ensure compliant reporting of account opening, payment records, product purchases, and tax deduction information. The official taxi dispatch platform is a government-authorized or registered public transportation service platform with unified dispatch, electronic payment, trip monitoring, and data security authentication capabilities. It serves as the only legitimate access channel for this system to ensure credibility and compliance. The system is linked to government pension subsidy policies; users can enjoy tax breaks or government matching subsidies when their pension accumulation reaches a certain amount.

[0033] During implementation, after passengers complete real-name registration through the government-authorized official taxi dispatch platform, the system automatically opens a dedicated "personal pension account" for them. Before each taxi ride, passengers can choose to transfer a percentage of the fare to this account within the range of 1%–20%, and the overall fare will not exceed the price of mainstream online ride-hailing services during the same period. After the order is completed, the system automatically extracts the corresponding amount from the passenger's payment according to the selected percentage, which is then managed by a qualified commercial bank or pension insurance institution in a special account and used only for investing in low-risk pension products approved by the state. Drivers are unaffected and still receive the full fare. The platform covers the transfer costs through initial subsidies and issues additional rewards based on the driver's service performance. After each trip, the passenger's terminal displays the transfer details in real time to ensure transparency and traceability. The system is also connected to the national personal pension information platform to achieve compliant reporting of account, payment, and tax data, and users can enjoy tax benefits or government subsidies when they accumulate sufficient funds, ultimately forming a closed-loop mechanism of "retirement through travel".

[0034] The above description is merely a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A ride-hailing supplementary personal pension system, characterized in that, include: The system includes an official taxi dispatch platform, passenger terminals, driver terminals, a personal pension account management module, a fund custody partner institution, and an incentive and compliance control module. The official taxi dispatch platform is used to receive passenger taxi requests and dispatch taxi services. The personal pension account management module automatically opens a dedicated "personal pension account" for passengers after they complete real-name registration through the official taxi dispatch platform; When settling each taxi order, the system automatically transfers a portion of the fare paid by the passenger to the personal pension account according to a preset ratio, and the funds are then managed in a dedicated account by the fund custody partner.

2. The ride-hailing supplementary personal pension system according to claim 1, characterized in that, The pension fund transfer ratio is 1%-20% of the fare, which is selected by the passenger through the passenger terminal before taking the ride. The base taxi fare paid by the passenger will not be higher than the price of the same route on mainstream online car-hailing platforms during the same period, so as to ensure price competitiveness.

3. The personal pension supplement system for ride-hailing as described in claim 2, characterized in that, The fund custody partners are commercial banks or pension insurance institutions with pension product custody qualifications. The transferred funds are managed in special accounts and operated in a closed loop, and are only used to invest in low-risk pension financial products approved by the state.

4. A ride-hailing supplementary personal pension system according to claim 3, characterized in that, Both the driver terminal and the weighing terminal are mobile applications. The driver's income is not affected by the transfer of pension funds, and the driver receives the full fare. The platform covers the cost of transferring pension funds through initial operating subsidies and issues additional service quality rewards based on drivers' service ratings, order acceptance rates, and passenger satisfaction rates.

5. A taxi-hailing supplementary personal pension system according to claim 1, characterized in that, After each order is completed, the system displays "This fare is XX yuan, of which XX yuan has been deposited into your pension account" in real time on the order details page of the passenger's terminal, making the fund transfer process transparent and traceable.

6. A ride-hailing supplementary personal pension system according to claim 1, characterized in that, It also includes a data analysis module, which is used to collect statistics on users' travel habits and pension accumulation trends, and generate personalized retirement planning suggestions.

7. A ride-hailing supplementary personal pension system according to claim 6, characterized in that, The withdrawal of funds from the aforementioned personal pension account strictly follows the regulations of the national personal pension system, and withdrawals are only permitted under specific conditions such as the statutory retirement age, complete loss of working ability, or serious illness.

8. A ride-hailing supplementary personal pension system according to claim 7, characterized in that, The system connects with the national social insurance public service platform or the personal pension information management service platform to ensure the compliant reporting of account opening, payment records, product purchases and tax deduction information.

9. A ride-hailing supplementary personal pension system according to claim 8, characterized in that, The official taxi dispatch platform is a government-authorized or registered public transportation service platform with unified dispatch, electronic payment, trip monitoring, and data security authentication capabilities. As the only legal access channel for this system, it ensures credibility and compliance.

10. A ride-hailing supplementary personal pension system according to claim 9, characterized in that, The system is linked to government pension subsidy policies, allowing users to enjoy tax benefits or government matching subsidies when their pension accumulation reaches a certain amount.

Images