Method for withdrawing consumption capital on real time and converting into pension

Abstract

The invention discloses a method for withdrawing consumption capital on real time and converting into pension. The method comprises the steps of creating correlation between a consumption capital operation platform and co-operation merchants; appointing the consumption capital returned for consumers consuming in the co-operation merchants; creating the correlation between the consumption capital operation platform and an unionpay POS machine; adding the consumption capital of the customer consuming in the co-operation merchants with bank cards to a consumption capital operation platform account through the unionpay POS machine; creating the correlation between the consumption capital operation platform and an insurance company; depositing the consumption capital into an insurance account of the consumer for appreciation by the consumption capital operation platform. According to the method, the correlation between the consumption capital operation platform, the co-operation merchants and the unionpay POS machine are created, the consumption capital is directly obtained from a product sales terminal and converted into insurance premium, and therefore, the common conflict between the consumer and the merchants can be solved.

Description

Technical field [0001] The invention relates to the field of communication technology and marketing, in particular to a method for real-time extraction of consumption capital and conversion into pension funds. Background technique [0002] China's pension fund gap is getting worse, and more and more related reports appear in the newspapers. The World Bank predicts that China's future pension insurance revenue and expenditure gap will reach 9.15 trillion yuan! Premier Wen Jiabao once said in the government work report that we must "vigorously develop social welfare and charity, and increase the national social security fund through multiple channels." The pension issue has become one of the social issues that the government attaches great importance to. [0003] In 2005, the economist Professor Chen Yu put forward the theory of “consumption capitalization”. He believed that any product, from raw materials to processing and production, to logistics and sales, each link of which has o...

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Problems solved by technology

[0004] In reality, since there is no uniform identification standard for consumer capital, coupled with a series of problems such as the integrity of the enterprise, the survival time of the enterprise, etc., it is only a theoretical expectation to generate income from consumer capital, which cannot be put into practice.

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