Server and method for providing a maidata-based pension withdrawal management

Abstract

A method performed by a MyData-based pension withdrawal management service providing server according to the present invention comprises: a step of obtaining pension-related information of a subscriber based on the subscriber's MyData; a step of restoring account-specific item information of the subscriber based on the pension-related information; a step of receiving withdrawal amount information for a single or multiple accounts from the subscriber's terminal (hereinafter, subscriber terminal); a step of generating active item information for a single or multiple accounts in correspondence with the withdrawal amount information; and a step of generating withdrawal path information for the single or multiple accounts based on the active item information.

Description

Technology Field

[0001] The present invention relates to a server and method for providing a MyData-based pension withdrawal management service. Background Technology

[0002] The pension system is a financial instrument designed to allow individuals to prepare and manage funds in advance for a stable life after retirement. Through private and retirement pension accounts, subscribers can accumulate funds over a certain period and secure living expenses by receiving them regularly after retirement. Recently, the number of subscribers has been increasing due to the diversification of private pension products and tax benefits; consequently, the pension system is playing a pivotal role in financial planning for old age, going beyond a mere means of savings.

[0003] However, the tax structure regarding withdrawals after the commencement of pension payments remains a very complex and difficult issue for the general public to understand. Taxes on pension and retirement accounts vary depending on the account type, subscription period, and withdrawal amount; furthermore, if multiple accounts are held, the tax burden differs depending on which account the funds are withdrawn from, even if the total amount is the same. Additionally, consolidating accounts for withdrawals can affect the tax liability of individual accounts, potentially resulting in unexpected tax burdens.

[0004] Due to these issues, retirees or those awaiting retirement find it difficult to adequately consider the risk of fund depletion when formulating pension withdrawal plans. Therefore, a technical solution is needed that can accurately calculate taxes on pension withdrawals and present optimal withdrawal strategies for each account that reflect these factors. Prior art literature

[0005] Korean Patent Publication No. 10-2022-0082356 (June 17, 2022) The problem to be solved

[0006] An embodiment of the present invention aims to provide a pension withdrawal management service providing server and method capable of accurately calculating taxes incurred upon withdrawal from multiple pension and retirement pension accounts held by an individual, and providing an optimized withdrawal strategy by considering the tax burden per account and the total withdrawal amount.

[0007] However, the technical problem that this embodiment aims to solve is not limited to the technical problem described above, and other technical problems may exist. means of solving the problem

[0008] As a technical means for achieving the aforementioned technical problem, a method performed by a MyData-based pension withdrawal management service providing server according to the first aspect of the present invention comprises: a step of obtaining pension-related information of a subscriber based on the subscriber's MyData; a step of restoring account-specific item information of the subscriber based on the pension-related information; a step of receiving withdrawal amount information for a single or multiple accounts from the subscriber's terminal (hereinafter, subscriber terminal); a step of generating active item information for a single or multiple accounts corresponding to the withdrawal amount information; and a step of generating withdrawal path information for the single or multiple accounts based on the active item information.

[0009] In some embodiments of the present invention, the step of obtaining pension-related information of a subscriber based on the subscriber's MyData may include obtaining pension-related information including account valuation amount information, user contribution information, and subscriber contribution information for the subscriber's account.

[0010] In some embodiments of the present invention, the step of restoring item information for each subscriber's account based on the pension-related information may include: a step of restoring retirement benefit items from the employer contribution information; a step of restoring operating profit items from the account valuation amount information, employer contribution information, and subscriber contribution information; a step of determining whether there is a possibility of payment exceeding the deduction limit from the subscriber contribution information; and, if it is determined that there is no possibility of payment, a step of restoring non-taxable items and taxable items from the subscriber contribution information.

[0011] In some embodiments of the present invention, the step of restoring tax item information per subscriber's account based on the pension-related information may include: a step of requesting additional input of non-taxable tax items to the subscriber terminal when it is determined that there is a possibility of payment; and a step of restoring taxable tax items based on the subscriber contribution information and the non-taxable tax items.

[0012] In some embodiments of the present invention, the step of restoring the operating profit item from the account valuation amount information, user contribution information, and subscriber contribution information may include restoring the operating profit item to 0 won when the operating profit calculated based on the account valuation amount information, user contribution information, and subscriber contribution information is a negative amount, and the step of restoring the item information for each subscriber's account based on the pension-related information may include the step of updating by allocating the entire negative amount in the order of the taxable item, severance pay item, and non-taxable item.

[0013] In some embodiments of the present invention, when the pension of the subscriber is initiated, the step of restoring the subscriber's account-specific item information based on the pension-related information may include: configuring previous item restoration information including non-taxable items, severance pay items, and taxable items based on account valuation amount information, user contribution information, and subscriber contribution information for the subscriber's account; updating the previous item restoration information by deducting the cumulative withdrawal amount of the initiated pension according to a pre-set statutory withdrawal order; and restoring the operating profit item based on the updated previous item restoration information and the account valuation amount information.

[0014] In some embodiments of the present invention, the step of generating active tax item information for a single or multiple accounts corresponding to the withdrawal amount information may include: generating each non-taxable tax item of the multiple accounts as a first active tax item; comparing the sum amount corresponding to the first active tax item with the withdrawal amount information; if the withdrawal amount information exceeds the sum amount as a result of the comparison, extracting tax rate information corresponding to each tax item of the multiple accounts; and generating a second active tax item based on the tax rate information and each account-specific tax item excluding the first active tax item.

[0015] In some embodiments of the present invention, the step of generating a second active tax item based on tax items for each account excluding the first active tax item and tax rate information may generate a second active tax item for each tax item of the plurality of accounts to have a withdrawal order different from the statutory withdrawal order set within a single account.

[0016] Additionally, a server providing a MyData-based pension withdrawal management service according to a second aspect of the present invention comprises a communication module that transmits and receives data with a subscriber's terminal (hereinafter, subscriber terminal); a memory in which a program for generating an optimal pension withdrawal path for a single or multiple pension accounts based on the subscriber's MyData is stored; and a processor that, by executing the program stored in the memory, obtains pension-related information of the subscriber based on the MyData, restores detailed information for each account of the subscriber based on the pension-related information, receives withdrawal amount information for a single or multiple accounts from the subscriber terminal, generates active detailed information for a single or multiple accounts corresponding to the withdrawal amount information, and then generates withdrawal path information for the single or multiple accounts based on the active detailed information.

[0017] In addition to this, other methods for implementing the present invention, other systems, and computer-readable recording media for recording a computer program for executing said method may be further provided. Effects of the invention

[0018] According to one embodiment of the present invention described above, pension-related information is obtained based on the subscriber's MyData, and based on this, detailed information for each account can be accurately restored. In particular, by comprehensively utilizing information such as employer contributions, subscriber contributions, and account valuation amounts, retirement benefit details, non-taxable details, taxable details, and investment profit details can be systematically calculated, and a method for restoring details can be flexibly applied depending on whether the deduction limit is exceeded or the status before and after the start of the pension.

[0019] Furthermore, by receiving withdrawal amount information for single or multiple accounts from the subscriber's terminal and dynamically generating active tax items that consider account-specific tax item characteristics and tax rate information, a customized withdrawal path can be provided. This enables the optimization of withdrawals not only between a single account but also between multiple accounts, and allows for a rational distribution of withdrawals to prevent bias toward specific accounts or tax items.

[0020] Furthermore, one embodiment of the present invention generates withdrawal path information for a single or multiple accounts based on active item information per account and can dynamically manage it, thereby providing a customized pension withdrawal strategy that reflects the user's withdrawal goals, past withdrawal records, and fluctuations in investment returns per account. This structure provides the effect of simultaneously achieving the maximization of after-tax payouts, protection of investment returns, and compliance with regulations by guiding subscribers on item-specific withdrawal plans and optimal paths.

[0021] The effects of the present invention are not limited to those mentioned above, and other unmentioned effects will be clearly understood by a person skilled in the art from the description below. Brief explanation of the drawing

[0022] FIG. 1 is a diagram illustrating a pension withdrawal management service provision system according to one embodiment of the present invention. FIG. 2 is a block diagram of a pension withdrawal management service providing server according to one embodiment of the present invention. FIG. 3 is a flowchart of a method for providing a pension withdrawal management service according to one embodiment of the present invention. FIG. 4 is a drawing illustrating the process of restoring fine details in one embodiment of the present invention. Specific details for implementing the invention

[0023] The advantages and features of the present invention and the methods for achieving them will become clear by referring to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below but may be implemented in various different forms. These embodiments are provided merely to ensure that the disclosure of the present invention is complete and to fully inform those skilled in the art of the scope of the present invention, and the present invention is defined only by the scope of the claims.

[0024] The terms used in this specification are for describing embodiments and are not intended to limit the invention. In this specification, the singular form includes the plural form unless specifically stated otherwise in the text. The terms "comprises" and / or "comprising" used in this specification do not exclude the presence or addition of one or more other components in addition to the components mentioned. Throughout the specification, the same reference numerals refer to the same components, and "and / or" includes each of the mentioned components and all combinations of one or more. Although terms such as "first," "second," etc., are used to describe various components, these components are not limited by these terms. These terms are used merely to distinguish one component from another. Therefore, the first component mentioned below may be the second component within the technical scope of the invention.

[0025] Unless otherwise defined, all terms used herein (including technical and scientific terms) may be used in a meaning commonly understood by those skilled in the art to which the present invention pertains. Additionally, terms defined in commonly used dictionaries are not to be interpreted ideally or excessively unless explicitly and specifically defined otherwise.

[0026] FIG. 1 is a diagram illustrating a pension withdrawal management service providing system (1) according to one embodiment of the present invention. FIG. 2 is a block diagram of a pension withdrawal management service providing server (100) according to one embodiment of the present invention.

[0027] As illustrated in FIG. 1, the pension withdrawal management service providing system (1) according to the present invention includes a pension withdrawal management service providing server (hereinafter service server, 100) and a subscriber terminal (200) used by subscribers who have subscribed to the service.

[0028] At this time, each component constituting the pension withdrawal management service provision system (1) illustrated in FIG. 1 may be connected through a network. A network refers to a connection structure capable of exchanging information between each node, such as terminals and servers. Examples of such a network include, but are not limited to, a 3GPP (3rd Generation Partnership Project) network, an LTE (Long Term Evolution) network, a WIMAX (World Interoperability for Microwave Access) network, the Internet, a LAN (Local Area Network), a Wireless LAN (Wireless Local Area Network), a WAN (Wide Area Network), a PAN (Personal Area Network), a Bluetooth network, a satellite broadcasting network, an analog broadcasting network, a DMB (Digital Multimedia Broadcasting) network, and a Wi-Fi (Wireless Fidelity).

[0029] A service server (100) according to one embodiment of the present invention collects pension-related information based on a subscriber's MyData and analyzes it to restore account-specific item information. The service server (100) receives withdrawal amount information for a single or multiple accounts, generates active items for each account, and calculates an optimal pension withdrawal path. Additionally, the service server (100) provides a dynamic and customized withdrawal strategy by comprehensively considering the user's financial goals, account operation returns, past withdrawal records, etc., thereby supporting the subscriber in utilizing the pension in a more efficient manner and with minimal tax burden.

[0030] This service server (100) includes a communication module (110), memory (120), and a processor (130).

[0031] The communication module (110) transmits and receives data with the subscriber terminal (200). Additionally, the communication module (110) can transmit and receive data with internal components of the service server (100) or externally connected devices. Such a communication module (110) may include both a wired communication module and a wireless communication module. The wired communication module may be implemented as a power line communication device, a telephone line communication device, a cable home (MoCA), Ethernet, IEEE1294, an integrated wired home network, and an RS-485 control device. Additionally, the wireless communication module may be implemented as a wireless LAN (WLAN), Bluetooth, HDR WPAN, UWB, ZigBee, Impulse Radio, 60GHz WPAN, Binary-CDMA, wireless USB technology, and wireless HDMI technology.

[0032] The memory (120) stores programs for generating an optimal pension withdrawal path for a single or multiple pension accounts based on the subscriber's MyData, and the processor (130) executes the programs stored in the memory (120). Additionally, the memory (120) stores a program for managing an application installed on the subscriber terminal (200).

[0033] Here, memory (120) is a general term for non-volatile storage devices and volatile storage devices that retain stored information even when power is not supplied. For example, memory (120) may include NAND flash memory such as compact flash (CF) cards, SD (secure digital) cards, memory sticks, solid-state drives (SSD) and micro SD cards, magnetic computer memory devices such as hard disk drives (HDD), and optical disc drives such as CD-ROMs and DVD-ROMs.

[0034] The processor (130) can execute software, such as a program, to control at least one other component (e.g., hardware or software component) of the service server (100) and can perform various data processing or operations.

[0035] At this time, in one embodiment of the present invention, the processor (130) may use at least one of the models such as machine learning, neural network, deep learning algorithm and RAG (Retrieval-Augmented Generation) as an artificial intelligence algorithm to generate an artificial intelligence model, and examples of neural networks may include models such as CNN (Convolutional Neural Network), DNN (Deep Neural Network), and RNN (Recurrent Neural Network).

[0036] Meanwhile, in one embodiment of the present invention, the service server (100) may be configured by being divided into a plurality of physical servers, or may be implemented in a form where programs performing a plurality of functions are provided in and operate on a single server.

[0037] The subscriber terminal (200) serves as an interface for the subscriber to input a pension withdrawal amount and to check the optimal withdrawal path and item information provided by the service server (100). The subscriber terminal (200) transmits the account and withdrawal amount information selected by the subscriber to the service server (100) and can display the customized withdrawal strategy and recommendation scenario calculated by the service server (100) on the screen in real time. Through this, the subscriber can intuitively make withdrawal decisions that go beyond simple inquiry and suit their financial goals and circumstances, and can receive efficiency and convenience throughout the service experience.

[0038] At this time, the subscriber terminal (200) according to one embodiment of the present invention is a user terminal capable of connecting to a service server (100). In particular, the subscriber terminal (200) is an intelligent terminal that adds computer support functions such as internet communication and information search to the terminal, and may be a PC, mobile phone, smartphone, pad, smart watch, wearable terminal, other mobile communication terminal, etc., capable of installing and running a number of applications (i.e., applications) desired by the user.

[0039] Hereinafter, with reference to FIGS. 3 and 4, a method performed by a MyData-based pension withdrawal management service providing server (100) according to an embodiment of the present invention will be described in more detail.

[0040] FIG. 3 is a flowchart of a method for providing a pension withdrawal management service according to an embodiment of the present invention. FIG. 4 is a diagram illustrating the process of restoring detailed items in an embodiment of the present invention.

[0041] In one embodiment of the present invention, first, a service server (100) obtains pension-related information of a subscriber based on the subscriber's MyData (S110). Specifically, for each pension account, it obtains account valuation amount information, user contribution information, and subscriber contribution information, and integrates the differences in provided formats by institution to store them in a standardized form.

[0042] Here, the account valuation information refers to the total valuation of a specific pension account at a specific point in time, representing the total amount that includes both the principal (employer contributions + subscriber contributions) and investment returns (or losses). The employer contribution information refers to the principal paid by the employer in an employee's retirement pension, etc., and includes statutory severance pay or corporate contributions. The subscriber contribution (individual principal) refers to the amount paid voluntarily by the employee or individual, including contributions eligible for tax credits or additional voluntary contributions.

[0043] Collected data is organized by account, and if multiple accounts exist, identification information is assigned to each account to enable integrated management. Additionally, the difference between the account valuation amount and the sum of user and subscriber contributions is recorded as a candidate value for operating profit or loss, making it available for use in the subsequent item restoration stage.

[0044] Next, the detailed item information for each subscriber's account is restored based on pension-related information (S120). At this time, the restoration of detailed items is performed independently on an individual account basis, and the following key conditions are considered during the restoration process: (1) whether the pension has commenced and existing withdrawal history, (2) the necessity of entering additional detailed item information provided by the subscriber, (3) whether there is an operating profit (or loss) per account, and (4) whether there is a history of payments exceeding the deduction limit. These conditions may be applied individually or considered in combination.

[0045] Here, for accounts prior to the commencement of pension payments, the tax items are restored by classifying them into employer contributions, subscriber contributions, and investment returns, and if necessary, non-taxable and taxable tax items are calculated separately. For accounts after the commencement of pension payments, the tax items are updated by reflecting amounts already withdrawn and the statutory withdrawal order, and the non-taxable, taxable, and severance pay tax items are realigned for the remaining amount. Additionally, if investment returns are negative, the loss amount can be allocated first to each tax item to adjust the actual taxable amount.

[0046] Through this process, the server (100) obtains base item data for generating active items and calculating withdrawal paths, and each account item can be utilized according to dynamic withdrawal optimization logic.

[0047] 1. Example 1 of Detailed Item Restoration Process (Prior to pension commencement, no contributions exceeding the deduction limit)

[0048] According to one embodiment of the present invention, if there is no payment exceeding the deduction limit in the state prior to the commencement of the pension, each item is restored based on pension-related information obtained through MyData.

[0049] First, the severance pay item (B) is restored using the employer contribution information (S121), and this amount corresponds to the principal amount of severance benefits (B') paid by the company or institution to which the employer belongs. At this time, prior to the commencement of the pension, the principal amount of severance pay B' is identical to the balance of the severance pay item B.

[0050] Subsequently, the total amount of the account (A+B+C+D) is verified through the account valuation amount information, and the subscriber contribution information is classified into non-taxable items (A) and taxable items (C) (S122, S123a). If there is no additional payment exceeding the deduction limit (S122-N), the non-taxable item (A) is set to 0 won, and the entire subscriber contribution is calculated as taxable item (C). Finally, the operating profit item (D) is calculated by subtracting the sum of the non-taxable item (A), the severance pay item (B), and the taxable item (C) from the account valuation amount (S124).

[0051] For example, if the information obtained from MyData shows an account valuation of 12 million won, an employer contribution of 8 million won, and a subscriber contribution of 2 million won, the non-taxable tax item (A) is restored to 0 won because there is no payment exceeding the deduction limit. The employer contribution of 8 million won is calculated as the severance pay tax item (B), and the subscriber contribution of 2 million won is set as the taxable tax item (C). Therefore, the operating profit tax item (D) is restored to 12 million won - (0 + 8 million won + 2 million won) = 2 million won.

[0052] division Non-taxable tax items (A) Severance pay item (B) Taxable item (C) Operating income item (D) Account 1 0 8 million won 2 million won 2 million won

[0053] 2. Example of a detailed item restoration process 2 (previous pension commencement, payment exceeding the deduction limit) According to another embodiment of the present invention, if payment exceeding the deduction limit exists in a state prior to pension commencement (S122-Y), detailed item restoration is performed based on pension-related information obtained through MyData.

[0054] First, the severance pay item (B) is restored through the user contribution information (S121), and this amount is considered as the principal amount of the severance pay (B'). After confirming the total amount of the account through the account valuation amount information, the subscriber contribution information can be classified into non-taxable items (A) and taxable items (C). At this time, if payment exceeding the deduction limit is confirmed (S122-Y), the service server (100) requests additional input for the amount of the non-taxable item (A) through the subscriber terminal (200) (S123b), and restores the remaining amount to the taxable item (C) based on the entered amount (S123c). The operating profit item (D) is calculated by subtracting the sum of the severance pay item (B) and the subscriber contribution (non-taxable item (A) + taxable item (C)) from the account valuation amount (S124).

[0055] For example, if the information obtained from MyData shows an account valuation amount of 24 million won, an employer contribution of 8 million won, and a subscriber contribution of 12 million won, first, the employer contribution of 8 million won is restored to the severance pay item (B). Since it is confirmed that the payment of the subscriber contribution of 12 million won exceeds the deduction limit, the amount of the non-taxable item (A) is received through the subscriber terminal (200) and set to 3 million won. Accordingly, the taxable item (C) is calculated as 9 million won. Finally, the operating profit item (D) is restored as 24 million won - (severance pay item 8 million won + non-taxable item 3 million won + taxable item 9 million won) = 4 million won.

[0056] division Non-taxable tax items (A) Severance pay item (B) Taxable item (C) Operating income item (D) Account 1 3 million won 8 million won 9 million won 4 million won

[0057] 3. Example 3 of the process for restoring sub-items (when the account valuation amount is smaller than the total deposit amount before the start of pension payments) According to another embodiment of the present invention, when the account valuation amount is smaller than the total deposit amount (employer contribution + subscriber contribution) in the state before the start of pension payments (S125-Y), that is, when an operating loss occurs, the operating profit sub-item (D) is calculated as a negative value, restored to 0 won, and the loss amount is distributed inversely to each sub-item.

[0058] First, the operating profit item (D) is calculated based on the account valuation amount, user contribution, and subscriber contribution information obtained from MyData (S124), and if this value is negative (S125-Y), the operating profit item (D) is set to 0 won. Then, the entire amount of the loss is deducted in the order of taxable item (C), severance pay item (B), and non-taxable item (A) to update each item (S126).

[0059] For example, if the account valuation amount obtained from MyData is 16 million won, the user contribution is 4 million won, and the subscriber contribution is 18 million won, the operating profit item (D) is calculated as 16 million - (4 million + 18 million) = -6 million won. At this time, the operating profit item (D) is restored to 0 won. Then, since the possibility of payment exceeding the deduction limit is confirmed, the non-taxable item (A) input value from the subscriber is restored to 2 million won, and the severance pay item (B) is restored to 4 million won based on the user contribution information. Since the subscriber contribution (A + C) is 18 million won, the taxable item (C) is restored to 16 million won. Here, the loss of 6 million won is deducted from the taxable item (C), and the final taxable item (C) is restored to 10 million won.

[0060] division Non-taxable tax items (A) Severance pay item (B) Taxable item (C) Operating income item (D) Account 1 2 million won 4 million won 10 million won 0

[0061] 4. Example 4 of the Item Restoration Process (Case where there is payment and withdrawal exceeding the deduction limit after pension commencement) Another embodiment of the present invention is a restoration procedure for cases where a withdrawal occurs along with payment exceeding the deduction limit after pension commencement. First, based on account valuation amount information, employer contribution information, and subscriber contribution information obtained from MyData, previous item restoration information immediately prior to pension commencement, consisting of non-taxable items (A0), severance pay items (B0), and taxable items (C0), is calculated (S121~S124). Subsequently, the items (A, B, C) at the current point in time are updated by subtracting the cumulative withdrawal amount of the commenced pension according to the statutory withdrawal order (A→B→C) (S128). Finally, the difference between the updated item sum and the account valuation amount is restored to the operating profit item (D) (S129).

[0062] For example, if the account valuation amount obtained from MyData is 20 million won, the employer contribution is 8 million won, the subscriber contribution is 12 million won, and the cumulative withdrawal amount is 8 million won, the tax items at the point immediately before the start of the pension are restored based on the relevant pension-related information. At this time, since there is a possibility of contributions exceeding the deduction contribution limit, additional input is received from the customer to set non-taxable tax item A to 3 million won, severance pay tax item B0 to 8 million won, subscriber contribution (A0+C0) to 12 million won, and taxable tax item C0 to 9 million won, thereby restoring the tax items at the point immediately before the start of the pension.

[0063] Next, the cumulative withdrawal amount of 8 million won is deducted according to the legal withdrawal order to restore the current tax item. Accordingly, the non-taxable tax item is set to 0 won, and the severance pay tax item is adjusted to 3 million won (5 million won deducted from 8 million won) to be set as the final tax item. In addition, since the current account valuation amount information is 20 million won, the operating profit tax item (D) of 8 million won can be restored by deducting the sum of the severance pay tax item (B) and the taxable tax item (C) from this.

[0064] division Non-taxable tax items (A) Severance pay item (B) Taxable item (C) Operating income item (D) Account 1 0 3 million won 9 million won 8 million won

[0065] After the item restoration is completed, a step (S130) of receiving withdrawal amount information for a single or multiple accounts from a subscriber terminal (200) is performed. In step S130, the subscriber may select a specific account to specify the withdrawal amount, or select multiple accounts to input the total withdrawal amount. Accordingly, the service server (100) generates active item information for a single or multiple accounts based on the input withdrawal amount information (S140). At this time, if a single account is selected by the subscriber, the withdrawal amount is sequentially allocated to each item according to the item restoration information of the account and the pre-set statutory withdrawal order (non-taxable item → severance pay item → taxable item → operating profit item), and the active item is determined.

[0066] On the other hand, when multiple accounts are selected, a more complex procedure is performed. First, the non-taxable tax items of each of the multiple accounts are aggregated to create the first active tax item, and then this aggregated amount is compared with the input withdrawal amount information. If the withdrawal amount is less than or equal to the aggregated amount of the first active tax item, the withdrawal amount is fully covered by the non-taxable tax items, and no additional tax item splitting occurs. However, if the withdrawal amount exceeds this amount, for the excess amount, the tax items (retirement allowance tax items, taxable tax items, etc.) for each account and the corresponding tax rate information are extracted, and then the second active tax item is created based on this.

[0067] At this time, when processing withdrawals from multiple accounts, a withdrawal order different from the statutory withdrawal order applied within a single account may be applied, and this is determined by reflecting the extracted tax rate information.

[0068] Next, after active item information is generated, the service server (100) calculates withdrawal path information for a single or multiple accounts based on this (S150). In this step, based on the previously determined active items, the order and ratio at which the designated withdrawal amount will be deducted from each account is determined. In the case of a single account, the withdrawal order is derived by applying the active items for each item within the account as is, and in the case of multiple accounts, the withdrawal path is finally determined in a way that minimizes the total tax burden and optimizes balance maintenance based on item information classified into a first active item and a second active item. The withdrawal path information generated in this way is then transmitted to the subscriber terminal (200) and directly reflected in the actual withdrawal execution process.

[0069] FIG. 3 is a diagram illustrating the process of creating and withdrawing active items for multiple accounts in one embodiment of the present invention.

[0070] For example, if a subscriber wants to withdraw a total of 5 million won from multiple accounts, the service server (100) first configures a first active tax item based on the tax-exempt tax item for each account. At this time, if it is confirmed that the tax-exempt tax item for Account 1 is 1 million won, the tax-exempt tax item for Account 2 is 1.5 million won, and the tax-exempt tax item for Account 3 is 2 million won, the service server (100) can generate a first active tax item of a total of 4.5 million won by summing all these tax items.

[0071] Subsequently, when the first active tax item has been created and there is still a remaining amount of 500,000 won to be withdrawn, the service server (100) creates a second active tax item by referring to the tax rate information for each account and the remaining tax item information. In the second active tax item calculation step, the service server (100) can create an optimized withdrawal path by comparing and analyzing the taxation impact of each tax item for each account and distributing additional withdrawal amounts with the goal of minimizing the total tax burden.

[0072] To withdraw the remaining 500,000 won, the service server (100) derives a second active tax item candidate group based on tax item information for each account. In this example, the second active tax item candidate group consists of the taxable tax item of Account 1 (4 million won), the deferred retirement benefit tax item of Account 2 (1 million won), and the deferred retirement benefit tax item of Account 3 (2 million won). Subsequently, the taxable tax item of Account 1, which has the lowest tax burden, is determined as the final second active tax item by comparing the tax rate information corresponding to the second active tax item candidate group. The second active tax item calculated in this way is combined with the withdrawal amount from the first active tax item already allocated in the previous step to complete the final withdrawal path, and in this case, the withdrawal path is determined by withdrawing a total of 1.5 million won from Account 1, 1.5 million won from Account 2, and 2 million won from Account 3.

[0073] If there are tax items with the same tax rate in the second active tax item candidate group, withdrawal path information can be generated by further considering the second active tax item candidate group determination conditions for each account, rather than just the tax rate. Here, the determination conditions may reflect account balance conditions, operating profit conditions, equal or random distribution conditions, and other conditions set by the user.

[0074] For example, if the tax rates are the same among the candidates for the second active tax item, the tax item to be withdrawn first can be determined by comparing the balances of each account or the balances in the second active tax item. In other words, the account with the larger balance or the tax item with the largest balance among the candidates for the second active tax item can be designated as the second active tax item, thereby ensuring flexibility for future additional withdrawals.

[0075] Alternatively, considering investment return information, you can configure the system to prioritize withdrawals from accounts with lower returns. This minimizes the impact on account investment returns in the long term and enhances the overall operational efficiency of the accounts.

[0076] Alternatively, if the tax rates are the same, the withdrawal amounts can be divided evenly or distributed randomly to avoid concentration in specific accounts. This allows for maintaining a balanced distribution of withdrawal amounts per account and preventing the proportion of specific accounts from increasing or decreasing excessively.

[0077] Alternatively, it may reflect preference conditions set directly by the subscriber. These may be the aforementioned balance, operating profit, equal, or random conditions. Alternatively, if the subscriber wishes to keep a certain amount in a specific account or to prioritize the depletion of a specific item in a specific account, the second active item candidate group can be adjusted and a withdrawal path created according to the user settings.

[0078] Meanwhile, although it has been explained that the first active tax item is determined as a non-taxable tax item and the second active tax item is determined by the remaining tax items excluding the non-taxable tax item, the present invention is not necessarily limited thereto, and it is understood that a withdrawal path can be set according to various scenarios determined by the subscriber. With just one withdrawal input, the service server (100) can recommend multiple scenarios, and for example, a withdrawal path that maximizes the after-tax receipt amount, a withdrawal path that maintains the balance of a specific account, or a withdrawal path that maximizes future operating profits can be provided as scenarios, and a withdrawal path can be set accordingly. Through this, the subscriber has the advantage of being able to withdraw an amount according to a recommended scenario that comprehensively reflects their goals and situation, rather than withdrawing an amount based on simple calculations.

[0079] Furthermore, in one embodiment of the present invention, the service server (100) can dynamically update withdrawal path information generated for multiple pension accounts based on the subscriber's past withdrawal time and operation profit information (profits and rates of return) per account per unit period. That is, the service server (100) can recommend a withdrawal priority between accounts to the subscriber based on information regarding the subscriber's past withdrawal time and withdrawal amount in multiple accounts, and operation profit information per unit period for each account.

[0080] Furthermore, by assigning weights to multiple accounts based on the subscriber's decision, it is possible to provide customized withdrawal paths by managing multiple accounts integrally, rather than simply withdrawing according to the statutory withdrawal order of a single account. Through this, subscribers can implement customized pension withdrawal strategies that reflect the profitability and tax conditions of each account.

[0081] In addition, in one embodiment of the present invention, the service server (100) can optimize the withdrawal paths of multiple pension accounts using a pre-trained artificial intelligence model and provide them to the subscriber. Specifically, the service server (100) collects past withdrawal information (date, amount, item) for each account and operating profit information (profit and rate of return) for each account per unit period. Subsequently, the service server (100) generates basic withdrawal path information based on the statutory withdrawal order and account balance information, and simultaneously initializes the weights in the withdrawal paths for multiple accounts. At this time, the weights are set by reflecting the operating profit, withdrawal priority, user-set goals, etc., of each account.

[0082] Next, the service server (100) calculates weights for each account to optimize the withdrawal path. At this time, the weights can be determined by comprehensively considering account operating profit, account importance, past withdrawal frequency, and user preference, and based on this, the withdrawal ratio and order of items for each account can be determined. This process enables the calculation of a customized withdrawal path that reflects both the profitability of each account and the user's goals, rather than simply withdrawals according to legal order.

[0083] In this way, the service server (100) can train an artificial intelligence model by configuring training data based on collected past withdrawal information and operating profit information per account. Then, it collects the past withdrawal time, withdrawal amount, sub-item, operating profit per unit period, and user-set goals of each account to form training data, thereby enabling the artificial intelligence model to learn the correlation between the withdrawal path and the sub-item distribution pattern per account.

[0084] The service server (100) can dynamically update the withdrawal path generated based on a learned artificial intelligence model. Whenever a user enters a withdrawal amount, the service server (100) can apply the learned artificial intelligence model to recalculate the weights for each account in real time and update the final withdrawal path by reflecting the past withdrawal time and the fluctuations in operating profit for each account. Through this, the withdrawal paths for each item and account can be provided in a customized form that maximizes operating profit while complying with regulations and reflects the user's goals and preferences.

[0085] On the other hand, when it is necessary to formulate a withdrawal strategy considering the pension accounts of multiple subscribers, such as in a family unit, a more rational and optimized allocation is required from the perspective of the family community, unlike determining the amount based on a single subscriber's account. For example, when a certain amount needs to be withdrawn for family living expenses or joint expenditures, a reasonably rational decision may be possible if only an individual's account is considered; however, if the accounts of a spouse or other family members are included, it is necessary to determine which account to withdraw how much from to be efficient in terms of overall after-tax payouts, investment returns, and maintaining account balances.

[0086] Accordingly, in one embodiment of the present invention, it is possible to generate and provide a withdrawal path considering multiple subscribers. The goals set by a family or subscriber may include conditions such as priority withdrawal from a specific account, minimum or maximum withdrawal limits for a specific subscriber, and maintaining the account balance after withdrawal; by comprehensively considering these conditions, the total target amount is optimally distributed to each account. For example, if a total of 5 million won needs to be withdrawn from the accounts of spouses A and B, the optimal distribution can be calculated by combining the criteria and conditions to withdraw 2.8 million won from account A and 2.2 million won from account B, thereby preventing simple random distribution or situations where the entire amount is withdrawn from only one account. In other words, the present invention extends beyond making a judgment by combining multiple accounts of a single subscriber to making a comprehensive judgment, and it is possible to generate a withdrawal path by combining all multiple accounts of multiple subscribers.

[0087] In addition, in one embodiment of the present invention, the service server (100) may generate and provide a subscriber-customized pension withdrawal strategy by considering linked services. To this end, the service server (100) obtains income and tax information, expenditure patterns, and insurance and loan information in addition to pension-related information through MyData. Income and tax information includes salary, bonus, income tax, and year-end tax settlement details, and expenditure pattern information includes card and account expenditure details and automatic transfer details for living expenses. Furthermore, insurance and loan information may include guaranteed insurance details, loan balances, and repayment schedules.

[0088] The service server (100) can utilize this information to generate and recommend a withdrawal path that reflects the subscriber's entire financial portfolio, rather than simply based on the withdrawal amount entered by the subscriber. For example, it can generate a withdrawal amount and a withdrawal path in conjunction with expenditure patterns such as loan repayment schedules, or generate a withdrawal path by considering the expected tax return amount, expenditure patterns, insurance payments, etc.

[0089] Through this, the present invention goes beyond simple pension withdrawal calculations to provide an integrated strategy based on the subscriber's overall financial situation, offers a pension utilization strategy linked to MyData that was not well implemented in existing financial institution systems, and further enables the automation of expenditures and payments.

[0090] Meanwhile, in the above description, steps S110 to S150 may be further divided into additional steps or combined into fewer steps according to an embodiment of the present invention. Also, some steps may be omitted as necessary, and the order between steps may be changed. Furthermore, even if other omitted details are included, the contents of FIGS. 1 and 2 and FIGS. 3 and 4 may be mutually applicable.

[0091] The method for providing a MyData-based pension withdrawal management service according to one embodiment of the present invention described above may be implemented as a program (or application) and stored on a medium to be executed in combination with a computer, which is hardware.

[0092] The aforementioned program may include code encoded in computer languages ​​such as C, C++, JAVA, JavaScript, Ruby, Python, and machine language, which can be read by the computer's processor (CPU) through the computer's device interface, in order for the computer to read the program and execute the methods implemented in the program. Such code may include functional code related to functions that define the necessary functions for executing the methods, and may include control code related to execution procedures necessary for the computer's processor to execute the functions according to a predetermined procedure. Additionally, such code may further include memory reference code regarding where (address) additional information or media necessary for the computer's processor to execute the functions should be referenced in the computer's internal or external memory. In addition, if the processor of the computer needs to communicate with any other computer or server located remotely in order to execute the above functions, the code may further include communication-related code regarding how to communicate with any other computer or server located remotely using the communication module of the computer, and what information or media to transmit or receive during communication.

[0093] The above-mentioned storage medium refers to a medium that stores data semi-permanently and is readable by a device, rather than a medium that stores data for a short period of time, such as a register, cache, or memory. Specifically, examples of the above-mentioned storage medium include, but are not limited to, ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage device. That is, the above-mentioned program may be stored on various recording media on various servers that the computer can access, or on various recording media on the user's computer. Additionally, the above-mentioned medium may be distributed across networked computer systems, and computer-readable code may be stored in a distributed manner.

[0094] The foregoing description of the present invention is for illustrative purposes only, and those skilled in the art will understand that other specific forms can be easily modified without altering the technical spirit or essential features of the present invention. Therefore, the embodiments described above should be understood as illustrative in all respects and not restrictive. For example, each component described as a single unit may be implemented in a distributed manner, and components described as distributed may likewise be implemented in a combined form.

[0095] The scope of the present invention is defined by the claims set forth below rather than by the detailed description above, and all modifications or variations derived from the meaning and scope of the claims and equivalent concepts thereof should be interpreted as being included within the scope of the present invention. Explanation of the symbols

[0096] 100: Pension withdrawal management service provider server 110: Communication module 120: Memory 130: Processor 200: Subscriber terminal

Claims

Claim 1 A method for providing a pension withdrawal management service based on MyData, performed by a server providing the service, comprising: a step of obtaining pension-related information of a subscriber based on the subscriber's MyData; a step of restoring detailed information for each account of the subscriber based on the pension-related information; a step of receiving withdrawal amount information for a single or multiple accounts from the subscriber's terminal (hereinafter, subscriber terminal); a step of generating active detailed information for a single or multiple accounts in correspondence with the withdrawal amount information; and a step of generating withdrawal path information for the single or multiple accounts based on the active detailed information, wherein the step of generating withdrawal path information for the single or multiple accounts based on the active detailed information optimizes and provides withdrawal paths for multiple pension accounts using a pre-trained artificial intelligence model, wherein the method collects past withdrawal information for each account and operating profit information for each account by unit period, generates basic withdrawal information based on the statutory withdrawal order and account balance information, and determines the withdrawal ratio and order of detailed items for each account by reflecting weights for each account determined based on account operating profit, account importance, past withdrawal frequency, and user preference. Claim 2 A method for providing a pension withdrawal management service, wherein, in claim 1, the step of obtaining pension-related information of a subscriber based on the subscriber's MyData is to obtain pension-related information including account valuation amount information, user contribution information, and subscriber contribution information for the subscriber's account. Claim 3 A method for providing a pension withdrawal management service according to paragraph 2, wherein the step of restoring item information for each subscriber's account based on the pension-related information comprises: a step of restoring severance pay items from the employer contribution information; a step of restoring operating profit items from the account valuation amount information, employer contribution information, and subscriber contribution information; a step of determining whether there is a possibility of payment exceeding the deduction limit from the subscriber contribution information; and, if it is determined that there is no possibility of payment, a step of restoring non-taxable items and taxable items from the subscriber contribution information. Claim 4 A method for providing a pension withdrawal management service, wherein, in paragraph 3, the step of restoring tax item information for each subscriber's account based on the pension-related information comprises: a step of requesting additional input for non-taxable tax items to the subscriber terminal when it is determined that there is a possibility of payment; and a step of restoring taxable tax items based on the subscriber's contribution information and the non-taxable tax items. Claim 5 A method for providing a pension withdrawal management service, wherein, in paragraph 3 or 4, the step of restoring the operating profit item from the account valuation amount information, user contribution information, and subscriber contribution information is to restore the operating profit item to 0 won if the operating profit calculated based on the account valuation amount information, user contribution information, and subscriber contribution information is a negative amount, and the step of restoring the item information for each subscriber's account based on the pension-related information is to update by allocating the entire negative amount in the order of the taxable item, severance pay item, and non-taxable item. Claim 6 In paragraph 2, when the pension of the said subscriber has commenced, the step of restoring the subscriber's account-specific item information based on the pension-related information comprises: a step of configuring previous item restoration information including non-taxable items, severance pay items, and taxable items based on account valuation amount information, employer contribution information, and subscriber contribution information for the said subscriber's account; a step of updating the previous item restoration information by deducting the cumulative withdrawal amount of the said commenced pension according to a pre-established statutory withdrawal order; and a step of restoring the operating profit item based on the updated previous item restoration information and the said account valuation amount information. Claim 7 A method for providing a pension withdrawal management service according to claim 1, wherein the step of generating active tax item information for a single or multiple accounts corresponding to the withdrawal amount information comprises: generating each non-taxable tax item of the multiple accounts as a first active tax item; comparing the sum amount corresponding to the first active tax item with the withdrawal amount information; if the withdrawal amount information exceeds the sum amount as a result of the comparison, extracting tax rate information corresponding to each tax item of the multiple accounts; and generating a second active tax item based on the tax rate information and the tax item for each account excluding the first active tax item. Claim 8 A method for providing a pension withdrawal management service, wherein, in claim 7, the step of generating a second active tax item based on tax rate information and tax items for each account excluding the first active tax item is to generate a second active tax item for each tax item of the plurality of accounts such that the withdrawal order is different from the statutory withdrawal order set in a single account. Claim 9 A communication module that transmits and receives data with a subscriber's terminal (hereinafter, subscriber terminal); a memory in which a program for generating an optimal pension withdrawal path for a single or multiple pension accounts based on the subscriber's MyData is stored; and a processor that, by executing the program stored in the memory, obtains pension-related information of the subscriber based on the MyData, restores detailed information for each account of the subscriber based on the pension-related information, receives withdrawal amount information for a single or multiple accounts from the subscriber terminal, generates active detailed information for the single or multiple accounts corresponding to the withdrawal amount information, and generates withdrawal path information for the single or multiple accounts based on the active detailed information. The processor optimizes and provides withdrawal paths for multiple pension accounts using a pre-trained artificial intelligence model, collects past withdrawal information for each account and operating profit information for each account by unit period, generates basic withdrawal information based on the statutory withdrawal order and account balance information, and determines the withdrawal ratio and order of detailed items for each account by reflecting weights for each account determined based on account operating profit, account importance, past withdrawal frequency, and user preference. Pension withdrawal management service provider server.

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