Provided are a pension system based on consumption by a consumer and an advertisement view and a pension fund accumulation method using the same. The pension system according to the present invention includes: a member terminal; a member TV; an advertising server that provides advertisement content or an advertisement webpage to the member terminal or the member TV; a pension business operator server that communicates with the member terminal, the member TV, and the advertising server over a communications network, and includes a fund accumulating unit computing accumulated fund by using advertisement reception information received by the member terminal, the member TV, and the advertising server, and requesting the advertising server or an advertising fund transfer bank server to transfer fund to a pension business operator account; and a database that works in cooperation with the pension business operator server, and stores a fund accumulation rate, which changes depending on income, assets, or a credit rating of a member, or a fund payment rate according to a choice by an affiliate store. The pension system according to the present invention allows a member to expect an increase in actual pension benefit since the member can accumulate a pension fund by watching advertisements on a TV, a computer, and a mobile communications terminal. In addition, the member who is a consumer accumulates the pension fund from usual consuming activities as well as watching the advertisements, so there is no burden of paying a pension premium and all the country can be insured and benefit from the pension system.;COPYRIGHT KIPO 2016
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