The present invention provides a pension system based on a consuming activity and an advertisement view and a pension fund accumulation method using the same. The pension system according to the present invention includes an affiliate terminal installed in an affiliate, a payment server, and an affiliate transaction bank server prepared in a bank where a business owner of the affiliate carries out transaction, and a pension business operator server. The pension business operator server calculates fund accumulated money by using payment information and requests a fund transfer from the payment server or the affiliate transaction bank server. A pension system according to the present invention is a method for a member, a customer, accumulating a pension fund through the usual consuming activities, so there is no burden of paying pension insurance. Therefore, all the country can register for the pension system and benefit from the same and the lower income bracket can expect practical benefits and the stability for the aged if an accumulation rate differentiated according to income or scale of an asset is applied. Also, the pension fund can be accumulated by not only the direct consuming activity but also just watching an advertisement on TV, a computer, and a mobile communications terminal, so the increase in a real pension receipt can be anticipated.;COPYRIGHT KIPO 2015
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