PURPOSE: A product pension management system and a method thereof are provided to manage accumulated money as pensions by accumulating a part of the money paid for a product by a consumer. CONSTITUTION: A payment collecting unit(105) collects a first payment from a seller. An accumulated pension money calculating unit(110) calculates a first accumulated pension of the collected first payment at a predetermined ratio. An accumulated pension money extracting unit(115) extracts a second accumulated pension possessed by first members from the first accumulated pension. A first beneficiary notification unit(120) notifies whether one of the first members is selected as a beneficiary. [Reference numerals] (105) Payment collecting unit; (110) Accumulated pension money calculating unit; (115) Accumulated pension money extracting unit; (120) First beneficiary notification unit; (125) First beneficiary designation unit; (130) First beneficiary pension accumulating unit; (135) First beneficiary pension providing unit; (200) 1-1 member terminal; (220) 1-2 member terminal; (230) 1-3 member terminal; (240) 1-4 member terminal; (300) Seller terminal; (600) Wire/wireless communication network
