Premium Savings Pension System

Abstract

To provide a premium saving and pension system which motivates various companies or groups to host, sponsor, or support events, thereby contributing to promotion of sport, culture, or art.SOLUTION: A premium saving and pension system S is configured by connecting a system-compatible terminal UT of a user U who receives a service, a seller computer ML of a seller M who sells various kinds of commodities, and a center computer SC that functions as a host computer for integrating overall operation of the system, over a network W. When the user U buys a ticket for an event related to sport, culture or art, premium points according to the purchase price or content of the ticket are calculated on the basis of information on an organizer, co-organizers, supporters, or sponsors of the event.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] To provide a premium savings pension system in which, when a user purchases various products, including concert tickets and restaurant meals, from a seller, premium money corresponding to the purchase amount arbitrarily set by the seller is converted into points and accumulated, and the points are returned to the user as a pension in the future. [Background technology]

[0002] A point card system has been known in the past where, when an ordinary consumer brings a membership card issued by a retail store, restaurant, or the like in partnership with a credit company, points corresponding to the amount of purchases are recorded on the membership card, and when a certain number of points are accumulated, by presenting the membership card, benefits such as gifts or product discounts corresponding to the accumulated points are given (Patent Document 1). However, conventional point card systems have the following problems. (i) Membership cards are issued for each retail store and restaurant, making it difficult to know which card can be used at which store. (b) There are so many membership cards that it takes time to select the card you need when shopping. (c) Benefits are limited to stores or group stores that accept the card. (d) The point service is limited to products that can be handled by the card. (e) Some points have an expiration date and will disappear if not used.

[0003] On the other hand, as the issue of public pensions has recently come to the forefront as a social problem, many people are worried about receiving public pensions after they retire, and it is becoming difficult to ensure a comfortable life in retirement with the public pension system alone.

[0004] Therefore, the applicant of the present invention previously proposed a premium savings pension system in which, in order to improve the problems of conventional point card systems and enable points earned through the consumption of goods to be reflected in the public pension system, when a user purchases various goods, premium money corresponding to the purchase price is converted into points and accumulated, and the accumulated points are reconverted into cash in the future and returned to the user as a pension (Patent Document 2). [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Japanese Patent Application Publication No. 9-212741 [Patent Document 2] Japanese Patent Application Laid-Open No. 2010-79822 Summary of the Invention [Problem to be solved by the invention]

[0006] However, the premium savings pension system in Patent Document 2 is the same regardless of the type of product purchased; premium money is derived in relation to the product purchase amount, and points calculated based on that premium money are returned to the user as a pension, so it is difficult to say that it necessarily contributes to the promotion of sports or culture and the arts.

[0007] The object of the present invention is to provide a premium savings pension system that can solve the problems of conventional premium savings pension systems such as those described in Patent Document 1, and that can increase the motivation of various companies and organizations to co-host, sponsor, and cooperate with events, thereby contributing to the promotion of sports, culture, and the arts. [Means for solving the problem]

[0008] The invention described in claim 1 of the present invention is a premium savings pension system that, when a user purchases a product from a retailer, converts the premium money corresponding to the purchase price and / or the content of the purchased product into premium points and accumulates them, and when the premium points reach a predetermined value, converts the accumulated premium points into cash and returns the converted cash to the user by incorporating it into the fund for the pension to be received after the payment period of the pension insurance to which the user has joined has expired. When a user purchases tickets to an event related to sports or culture / arts, the system converts the premium money (corresponding to the purchase price and / or the content of the ticket) based on information on at least one of the organizer, co-organizer, backer, and sponsor of the event. The data is calculated, and the details and purchase price of the purchased event ticket are stored in the storage means of the seller's computer. Each time an event ticket is purchased, the data is updated, and based on the updated data, at least one of data on the sales amount of the event ticket by organizer, data on the sales amount by co-organizer, data on the sales amount by backer, and data on the sales amount by sponsor is created, and the created data is output to an external database every time a predetermined period has passed. It is characterized by the following.

[0009] The invention described in claim 2 is the invention described in claim 1, in which a user's terminal, a computer of a distributor selling products, and a host computer for managing the operation of the system are connected via a network, and a storage means in the distributor's computer stores a premium money conversion coefficient corresponding to at least one of the event organizer, co-organizer, backer, and sponsor, and when a user purchases a ticket for a sporting or cultural / arts-related event, the premium money is calculated using the premium money conversion coefficient.

[0010] The invention described in claim 3 is Claim 2 The invention described above is characterized in that the premium money conversion coefficient for an event that has at least one of a co-organizer, a sponsor, or a co-sponsor is stored in a storage means in the computer of the seller as a numerical value greater than the premium money conversion coefficient for an event that has no co-organizer, sponsor, or co-sponsor. [Effects of the Invention]

[0012] The premium savings pension system described in claim 1 calculates the premium amount based on information about the event organizer, co-organizers, backers, and sponsors when a user purchases a ticket for a sports or cultural / arts-related event (hereinafter simply referred to as an event ticket), so that users who are purchasing tickets will be interested not only in the content of the event but also in the event's co-organizers, backers, and sponsors. Therefore, the premium savings pension system described in claim 1 enhances the significance of event co-hosting, backing, and sponsorship, making it possible to increase the motivation of various companies and organizations to co-host, back, and sponsor events, and ultimately promote the development of sports, culture, and the arts. Furthermore, the premium savings pension system described in claim 1 outputs data on sales amounts for event ticket organizers, co-organizers, backers, and sponsors to an external database at regular intervals, allowing government agencies, local governments, etc. to easily use the data in the external database when providing grants or subsidies to companies or organizations that are co-organizers, backers, and sponsors of events, thereby contributing to the promotion of sports, culture, and the arts.

[0013] The premium savings pension system described in claim 2 calculates the premium amount according to the purchase price and content of the ticket purchased by the user based on the premium amount conversion coefficient stored in the storage means of the seller's computer, so that when purchasing an event ticket, the user can be sure to receive the appropriate premium amount according to the organizer, co-organizer, backer, and sponsor of the event.

[0014] According to the premium savings pension system described in claim 3, when a user (ticket purchaser) purchases a ticket for an event that has a co-sponsor, backer, or sponsor, a larger premium will be paid than when a user purchases a ticket for an event that does not have a co-sponsor, backer, or sponsor. This will lead users to show greater interest in the event's co-sponsors, backers, and sponsors, making it possible to more efficiently increase the significance of co-sponsoring, backing, and sponsorship of an event. [Brief explanation of the drawings]

[0016] [Figure 1] 1 is a system conceptual diagram showing the overall configuration of a premium savings pension system. [Figure 2] FIG. 2 is a block diagram showing the functions of a center computer in FIG. 1. [Figure 3] FIG. 2 is a block diagram showing the configuration of a database of a center computer. [Figure 4] FIG. 10 is a conceptual diagram showing "event ticket ID-premium money conversion coefficient correspondence data" stored in the storage means of a seller computer. [Figure 5] FIG. 1 is a conceptual diagram showing "event ticket purchase history data" stored in the storage means of a seller computer. [Figure 6] A conceptual diagram showing (a) "Event ticket sales amount data by backer" and (b) "Event ticket sales amount data by sponsor" output from a distributor computer to an external database. DETAILED DESCRIPTION OF THE INVENTION

[0017] Hereinafter, an embodiment of a premium savings pension system according to the present invention will be described in detail with reference to the drawings.

[0018] <Structure of the Premium Savings Pension System> FIG. 1 is a conceptual system diagram showing the overall configuration of the premium savings pension system (hereinafter also referred to as the present system). FIG. 2 is a block diagram showing the functions of the center computer in FIG. 1. The premium savings pension system S is a system in which multiple system-compatible terminals UT of users U who receive services, seller computers MK of multiple sellers M that sell various products including concert tickets and restaurant meals, and a center computer SC that functions as an operations organization and host computer for overseeing the operation of the entire system are connected via a network W such as the Internet. The center computer SC is installed within a system center C. Furthermore, the seller computer MK of each seller M is equipped with a sales register MR, and the seller computer MK is connected to the system-compatible terminal UT of each user U via the sales register MR. Furthermore, the seller computer MK of each seller M is connected to an external database OD via a send / receive port (not shown).

[0019] The center computer SC is equipped with premium money receiving means SC1 that receives premium money equivalent to (related to) the purchase price of the products purchased by user U, premium money accumulation means SC2 that accumulates the premium money received by the premium money receiving means SC1, point conversion means SC3 that converts the accumulated premium money into premium points, point accumulation means SC4 that accumulates the converted premium points, point inquiry means SC5 that receives an inquiry request from the user's terminal and inquires about the accumulated premium points, point utilization means SC6 that receives a point payment request from the user's terminal and utilizes a portion of the accumulated premium points for purchasing or discounting products sold by retailers, point purchase means SC7 that receives a point payment request from the user's terminal and purchases premium points that have accumulated above a certain level, cash conversion means SC8 that converts the premium points purchased by the point purchase means into cash to be used for additional insurance premium payments for the pension insurance to which the user has subscribed, and point transfer means SC9 that receives a point transfer request from the user's terminal and transfers a portion of the accumulated premium points to the point accumulation means of another user V.

[0020] In addition, the accumulated premium money is divided into consumer accumulation portion SC10, retailer return portion SC11, and reserve portion for environmental protection and promotion of culture and arts SC12, and each is accumulated and managed in the central computer of the system center.

[0021] User U can enjoy the services provided by this system by entering into an affiliation contract with System Center C. To receive the services of this system, User U possesses a system-compatible terminal UT, a mobile phone equipped with an IC chip compatible with this system. This system-compatible terminal UT has a screen display function, and the accumulated status of premium points converted into premium money can be displayed on the screen by the customer's specific operation. In addition, the accumulated points can be used to purchase products handled by Retailer M and for discounts, and these can also be operated from the system-compatible terminal UT.

[0022] Seller M enters into an affiliation agreement with system center C for the system and installs a seller computer MK to which a sales register MR is directly connected. The seller computer MK is connected via network W to center computer SC of system center C and to user U's system-compatible terminal UT. Seller M also fairly evaluates various products, including concert tickets and restaurant meals, and sets appropriate premium amounts. While the setting of premium amounts is generally left up to each seller, it is also acceptable to have a third-party evaluation organization conduct an evaluation from various perspectives, such as the environment, and determine the premium amount fairly.

[0023] Insurance company F will develop an additional premium payment insurance product FA, which will convert premiums, a feature of this system, into points and accumulate them, and return them to user U in the future as a pension. This insurance product FA allows users to pay additional premiums in addition to a fixed monthly premium, and the accumulated points can be converted into cash and used to pay additional premiums, which can then be used as the source of pensions to be received after the payment period has expired.

[0024] <Configuration of the center computer> Next, the functions of the center computer SC will be explained in detail. As shown in Fig. 2, the center computer SC is composed of a central processing unit 600, a database 601, and input means, a monitor, etc. (not shown). Fig. 3 is a block diagram showing the configuration of the database 601, which includes a point accumulation device 610, a premium money accumulation device 611, a user information storage device 612, a merchant information storage device 613, a point conversion rate storage device 614, a cash conversion rate storage device 615, and a sales product information storage device 616.

[0025] The central processing unit 600 includes a seller authentication means 620 for authenticating a system affiliated seller that accesses the center computer SC, a seller request acquisition means 621 for analyzing an access request from a system affiliated seller, a purchased product premium money receiving means 622 for receiving a premium money added at the time of purchasing a product, a user search means 623 for searching a user who will receive a premium money by purchasing a product from a user information storage device 612, a premium money accumulation means 624 for storing the premium money received by the purchased product premium money receiving means 622 in a premium money accumulation device 611, and a premium money storage means 625 for storing the premium money received by the purchased product premium money receiving means 622 in a premium money accumulation device 611. The system is provided with accumulated point conversion means 625 for converting premium money accumulated in the ammo money accumulation device 611 into points according to the conversion rate stored in the point conversion rate storage device 614, purchased product point accumulation means 626 for storing the converted points in the point accumulation device 610, sold product premium money receiving means 627 for receiving information on premium money set by the system affiliated retailer for each sold product, and sold product premium money changing means 628 for changing various data in the sold product information storage device 616 which stores the premium money information set by the system affiliated retailer for each product.

[0026] The central processing unit 600 also includes a user authentication means 630 for authenticating a user who accesses the center computer SC, a user request acquisition means 631 for analyzing the user's access request, a point payment request receiving means 640 for receiving a payment request for accumulated points based on the access request analysis by the user request acquisition means 631, a point utilization means 641 for utilizing a portion of points accumulated in the point accumulation device 610 in response to a point payment request for purchasing or discounting products handled by a retailer, a point purchase means 642 for purchasing points above a certain level accumulated in the point accumulation device 610 in response to a point payment request, and a cash conversion means 643 for converting the purchased points into cash according to the conversion rate stored in the cash conversion rate storage device 615.

[0027] The central processing unit 600 also includes a point transfer request receiving means 650 that receives a request to transfer points to another user designated by the user based on the access request analysis by the user request acquisition means 631 that analyzes the user's access request, a point transfer destination search means 651 that searches the user information storage device 612 to determine whether or not a user to whom points are to be transferred exists, and a point transfer means 652 that, if a user to whom points are to be transferred exists, transfers some of the points accumulated in the point accumulation device 610 to the designated other user.

[0028] The central processing unit 600 also includes a point inquiry request receiving means 660 that receives a request from the user to inquire about the current point accumulation status from the access request analysis by the user request acquisition means 631 that analyzes the user's access request, a point search means 661 that searches the user's point accumulation status from the point accumulation device 610, and a point inquiry means 662 that transmits the searched point accumulation status to the user.

[0029] <How the Premium Savings Pension System Works> The system center C gathers retailers such as stores, theaters, and restaurants that are members of this system and registers them in the retailer information storage device 613 of the center computer S. The registered retailers M fairly evaluate various products, including concert tickets and restaurant meals, and set appropriate premium amounts. While the setting of premium amounts is generally left up to each retailer, it is also possible to have a third-party evaluation organization conduct an assessment from various perspectives, such as the environment, and determine the premium amount fairly.

[0030] In order for a user to receive the services of this system, the user must enter into an affiliation contract with the system center C, which oversees this system, and register information such as the IC chip ID that identifies the system-compatible terminal UT, the member ID that identifies user U, name, address, gender, date of birth, etc. in the user information storage device 612 of the center computer S. In addition, user U must enter into a pension insurance contract with insurance company F, which is affiliated with system center C, as a condition for affiliation with this system.

[0031] When a user U who has signed an affiliation contract with this system purchases various products, including concert tickets and restaurant meals, from a seller M who is also a member of this system and completes the payment at the seller M's sales register MR using a system-compatible terminal UT that is compatible with this system, the ID of the IC chip that identifies the system-compatible terminal UT and the purchase amount of the product are entered into a seller computer MK directly connected to the sales register MR, and the ID of the system-compatible terminal UT and a premium k1 equivalent to the purchase amount of the product are sent from the seller computer MK to a center computer SC via a network W.

[0032] Furthermore, when user U purchases an event ticket (i.e., a ticket for a sporting, cultural, or artistic event), an additional operation is performed that differs from when other products are purchased. Specifically, the storage means (not shown) of the seller computer MK is provided with an event ticket-related information storage area, and in this event ticket-related information storage area, as shown in FIG. 4, the IDs (product numbers) of multiple event tickets being sold are associated with the event organizer, co-organizer, backer, sponsor, and premium money conversion coefficient, and stored as "event ticket ID-premium money conversion coefficient correspondence data." Note that, in this "event ticket ID-premium money conversion coefficient correspondence data," the premium money conversion coefficient for an event that has at least one of a co-organizer, backer, and sponsor is set to a larger value than the premium money conversion coefficient for an event that has none of a co-organizer, backer, or sponsor. Furthermore, the premium gold conversion factor is set by the seller in consideration of the event organizers, co-organizers, backers, and sponsors, but it can also be set fairly by a third-party group or organization.

[0033] When a user purchases an event ticket and completes payment at the sales register MR of the seller M using a system-compatible terminal UT, the seller computer MK retrieves the premium money conversion coefficient corresponding to the ID of the event ticket based on the "event ticket ID-premium money conversion coefficient correspondence data" stored in the event ticket related information storage area of ​​the storage means, and calculates the premium money k1 by performing an operation using the premium money conversion coefficient (for example, multiplying the premium money conversion coefficient by the purchase price of the event ticket purchased by the user).The calculated premium money k1 is then transmitted from the seller computer MK to the center computer SC via the network W, together with the ID of the IC chip that identifies the system-compatible terminal UT of the event ticket purchaser and the ID of the purchased event ticket.

[0034] Furthermore, when user U purchases an event ticket, the seller computer MK associates the purchase date by user U with the ID of the purchased event ticket and the quantity of the purchased event ticket, as shown in Figure 5, and stores (accumulates) this as "event ticket purchase history data" in the event ticket related information storage area of ​​the storage means.

[0035] In addition, the seller computer MK creates and stores "event ticket purchase history data" as described above, and also creates and stores (accumulates) data on the purchase amount of purchased event tickets by backer (i.e., data on the total sales amount of event tickets allocated to each backer, hereinafter referred to as "backer sales data") as shown in Figure 6(a) (i.e., data on the total sales amount of event tickets allocated to each sponsor, hereinafter referred to as "sponsor sales data"), as shown in Figure 6(b), taking into consideration the "event ticket ID-premium money conversion coefficient correspondence data" stored in the event ticket related information storage area of ​​the storage means.The seller computer MK then periodically (e.g., once a month) transmits the "backer sales data" and "sponsor sales data" accumulated in the event ticket related information storage area of ​​the storage means to an external database OD.

[0036] Although not shown, the external database OD is connected to computers of government agencies, local public organizations, etc. via its own network (a unique network different from public networks such as the Internet), so that when the government agencies, local public organizations, etc. provide grants or subsidies to companies or organizations that are backing or supporting the event, they can safely and easily refer to the "sponsor sales data" and "sponsor sales data" that have been sent to and stored in the external database OD.

[0037] On the other hand, when the center computer SC receives access from the seller computer MK of a seller M that is a member of this system, the seller authentication means 620 of the central processing unit 600 searches the seller information storage device 613 to confirm whether the seller is a member of the system. If the seller M is authenticated as a member of the system, control is transferred to the seller request acquisition means 621, which analyzes the contents of the connection request from the system member seller M.

[0038] If the analysis result of the seller request acquisition means 621 is a change to the premium money added to each product set by the system affiliated seller M, control is transferred to the sold product premium money receiving means 627, which receives the premium money change information. After receiving the premium money change information, control is transferred to the sold product premium money changing means 628, which changes the premium money information set for each product stored in the sold product information storage device 616.

[0039] Furthermore, if the analysis result indicates that premium money k1 has been received for the product purchase by user U, control is transferred to a purchased product premium money receiving means 622, which receives the premium money k1 that user U will receive for the product purchase, and then transfers control to a user search means 623.

[0040] The user search means 623 searches the user information storage device 612 to check whether there is a user U whose ID matches the ID of the system-compatible terminal UT sent. If the user U is confirmed, control is transferred to the premium money accumulation means 624, which accumulates the premium money k1 received by the purchased product premium money receiving means 622 in the premium money accumulation device 611 for each user.

[0041] The accumulated premium money is divided into consumer accumulation, retailer return, and reserve for environmental protection and cultural and artistic promotion, and is accumulated and managed in the premium money accumulation device 611 of the center computer SC of the system center C. The premium money accumulated as consumer accumulation is converted into premium points p1 by the accumulated point conversion means 625, which refers to the point conversion rate storage device 612 and multiplies the premium money k1 into premium points p1 using a point conversion rate obtained by multiplying a specific value that changes in conjunction with the economic situation at the time of conversion. After the conversion into premium points is completed, control is transferred to the purchased product point accumulation means 626, which accumulates the premium points in the point accumulation devices 610 divided for each user.

[0042] Next, when user U accesses the center computer SC using the system-compatible terminal UT owned by him / her, the user authentication means 630 of the central processing unit 600 searches the user information storage device 612 to confirm whether the user U matches the user U who has signed a membership contract with this system, and if it is confirmed that the user U matches, it transfers control to the user request acquisition means 631, which analyzes the reason for user U's access.

[0043] If the user request acquisition means 631 determines that the request from user U is a request to inquire about point accumulation status, it transfers control to point inquiry request receiving means 660. After receiving the point inquiry request, the point inquiry request receiving means 660 transfers control to point search means 661. The point search means 661 searches the point information for each user stored in the point accumulation device 610 according to the inquiry conditions received by the point inquiry request receiving means 660. After the search is complete, it transfers control to point inquiry means 662. The point inquiry means 662 sends the point search results to user U's system-compatible terminal UT and displays the point information on the screen of the system-compatible terminal UT.

[0044] Furthermore, if the user request acquisition means 631 determines that the request from user U is a payment request for accumulated points, it transfers control to point payment request receiving means 640, which analyzes the user U's payment request, and if the analysis result indicates that some of the points accumulated in the point accumulation device 610 can be used to purchase or receive discounts on products sold by the retailer, it transfers control to point utilization means 641, which uses the points to purchase or receive discounts on products sold by the retailer.

[0045] Furthermore, after analyzing the payment request of user U, if the analysis result indicates that points above a certain level accumulated in the point accumulation device 610 should be purchased, control is transferred to the point purchasing means 642, and the purchased points are converted into cash by the cash conversion means 643, which refers to the cash conversion rate storage device 615 and multiplies the purchased points by a specific value that changes in line with the economic situation at the time of conversion, at a cash conversion rate obtained by multiplying the cash conversion rate by the cash conversion means 643.

[0046] The converted cash can be used to pay additional premiums for the additional premium payment type insurance product FA developed by insurance company F, which has an insurance contract with user U, and can be used as the source of funds for the pension to be received after the payment period has expired.

[0047] Furthermore, if the user request acquisition means 631 determines that the request from user U is a request to transfer accumulated points, it transfers control to point transfer request receiving means 650. After receiving the transfer destination user information specified by the user, the point transfer request receiving means 650 transfers control to point transfer destination search means 651. The point transfer destination search means 651 searches the user information storage device 612, and after confirming that transfer destination user V exists, it transfers control to point transfer means 652. The point transfer means 652 transfers and accumulates the points of user U stored in the point accumulation device 610 in the point accumulation device 610 of transfer destination user V received by the point transfer request receiving means 650.

[0048] <Effects of the Premium Savings Pension System> As described above, when user U purchases a ticket for a sports or cultural / arts-related event, the premium savings pension system S calculates a premium k1 (according to the ticket purchase price and content) based on information about the event's organizer, co-organizers, backers, and sponsors. Therefore, with the premium savings pension system S, user U who is purchasing a ticket will be interested not only in the content of the event, but also in the event's co-organizers, backers, and sponsors, thereby increasing the significance of co-hosting, backing, and sponsorship of events and making it possible to increase the motivation of various companies and organizations to co-host, back, and sponsor events, which will ultimately promote the promotion of sports, culture, and the arts.

[0049] Furthermore, the premium savings pension system S is a system in which the user U's terminal (system-compatible terminal UT), the computer of the distributor M that sells the products (distributor computer MK), and the host computer (center computer SC) that manages the operation of the system are connected via a network W, and the storage means within the distributor computer MK stores premium money conversion coefficients corresponding to the event organizer, co-sponsor, backer, and sponsor, and when a user purchases an event ticket, the premium money k1 is calculated using the premium money conversion coefficient. Therefore, with the premium savings pension system S, when purchasing an event ticket, the user U can be sure to receive the appropriate premium money k1 corresponding to the event organizer, co-sponsor, backer, and sponsor.

[0050] Furthermore, the premium savings pension system S stores in the storage means of the seller computer MK a premium conversion coefficient for an event that has at least one of a co-sponsor, a backer, or a sponsor, as a numerical value that is greater than the premium conversion coefficient for an event that has none of the co-sponsor, a backer, or a sponsor. Therefore, according to the premium savings pension system S, when a user (ticket purchaser) purchases a ticket for an event that has a co-sponsor, a backer, or a sponsor, a greater premium k1 is earned than when a user purchases a ticket for an event that has no co-sponsor, a backer, or a sponsor. This makes the user more interested in the co-sponsor, a backer, or a sponsor of the event, thereby more efficiently enhancing the significance of co-sponsoring, backing, or sponsoring an event.

[0051] In addition, the premium savings pension system S stores the details and purchase price of purchased event tickets in the storage means of the seller's computer MK, updates this data each time an event ticket is purchased, and creates "backer sales data" and "sponsor sales data" based on the updated data, outputting this created data to an external database OD every time a specified period (one month) has passed. Therefore, the premium savings pension system allows government agencies, local governments, etc. to easily use the data in the external database OD when providing grants or subsidies to companies and organizations that co-host, back, or sponsor an event, thereby contributing to the promotion of sports, culture, and the arts.

[0052] Furthermore, because the Premium Savings Pension System S is managed by a single central computer at the system center, it eliminates the need for each retailer to build its own network, making it inexpensive and easy to implement. Furthermore, the Premium Savings Pension System S converts accumulated premiums into points, which can then be transferred to third parties such as parents, children, and grandchildren, or converted back into cash and returned to users as a future pension. This complements the public pension system and ensures a comfortable retirement. Furthermore, the Premium Savings Pension System S converts points into cash at a cash conversion rate calculated by multiplying points by a specific value that changes in line with the economic situation at the time of conversion, ensuring no disadvantage to consumers even after a certain period of time has passed. Furthermore, the Premium Savings Pension System S offers premiums, which are returned as future pensions, to users for a variety of products, including cultural and artistic activities such as concerts and restaurant meals, at participating retailers such as stores, theaters, and restaurants, thereby encouraging repeat purchases.

[0053] <Example of changes to the premium savings pension system> The premium savings pension system of the present invention is not limited to the above-described embodiment, and the configuration and operation of the user's terminal, the computer of the retailer selling the products, the host computer for managing the system, etc. can be modified as needed within the scope of the spirit of the present invention.

[0054] For example, the premium savings pension system of the present invention is not limited to the above embodiment in which premiums are calculated based on information about the event organizer, co-organizers, backers, and sponsors within the seller's computer, but may also be a system in which premiums are calculated based on information about the event organizer, co-organizers, backers, and sponsors within a host computer that oversees the system.

[0055] Furthermore, the premium savings pension system of the present invention is not limited to purchasing event tickets using multiple system-compatible terminals UT of the user U receiving the service, as in the above embodiment.When purchasing tickets at an event venue, a code reader or the like can be used to create data linking the user's ID with the contents of the event ticket, and this data can be sent from the event organizer's terminal or the like to the seller's computer or host computer, and the data can be modified within the seller's computer or host computer to calculate the premium based on information about the event organizer, co-organizers, backers, and sponsors. [Industrial Applicability]

[0056] The premium savings pension system of the present invention has the excellent effects described above, and therefore not only complements the pension system and contributes to stable operation, but can also be used as a tool that can contribute to the promotion of sports, culture, and the arts by increasing the motivation of various companies and organizations to co-host, sponsor, and cooperate with various events. [Explanation of symbols]

[0057] S··Premium Savings Pension System C··System Center U··User M··Distributor F Insurance Company V··Other users W·· Network UT·· System compatible terminal MK··Dealer's Computer SC··Center Computer SC1 Premium Gold Receiving Device SC2 Premium Gold Accumulator SC3: Point conversion method SC4: Point accumulation method SC5: Point inquiry method SC6: How to use points SC7 Points redemption method SC8·Cash conversion means SC9...Point Transfer Method OD··External Database 612...User information storage device 613··Vendor information storage device 610··Point Accumulator 614 Points Conversion Rate Storage Device 615 Cash Exchange Rate Storage Device 616··Sales product information storage device

Claims

1. A premium savings pension system that converts premium money corresponding to the purchase price and / or the content of the purchased product into premium points and accumulates them when a user purchases a product from a retailer, and when the premium points reach a predetermined value, converts the accumulated premium points into cash, and returns the converted cash to the user by incorporating it into the fund for the pension to be received after the payment period for the pension insurance to which the user has joined has expired; When a user purchases a ticket for a sporting, cultural or artistic event, the premium is calculated based on information about at least one of the organizers, co-organizers, backers, and sponsors of the event; A premium savings pension system characterized in that the contents and purchase price of purchased event tickets are stored in the storage means of the seller's computer, the data is updated each time an event ticket is purchased, and based on the updated data, at least one of data on the sales amount of event tickets by organizer, data on the sales amount of co-organizer, data on the sales amount of backer, and data on the sales amount of supporter is created, and the created data is output to an external database each time a specified period has passed.

2. The system is a system in which the user's terminal, the computer of the distributor selling the product, and the host computer for controlling the operation of the system are connected via a network, A storage means in the computer of the retailer stores a premium gold conversion coefficient corresponding to at least one of the event organizer, co-organizer, backer, and sponsor; The premium savings pension system described in claim 1, characterized in that when a user purchases tickets for a sports or cultural / arts-related event, the premium amount is calculated using the premium amount conversion coefficient.

3. The premium savings and pension system of claim 2, characterized in that the premium conversion factor for an event that has at least one of a co-sponsor, sponsor, or co-sponsor is stored in a storage means in the seller's computer as a numerical value greater than the premium conversion factor for an event that has no co-sponsor, sponsor, or co-sponsor.

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