Research On The Wisdom Pension Insurance Service Product Design

With the continuous development of the world's population aging,the issue of pension has become the focus of attention of all sectors of society.In the absence of social medical resources,more seniors need to face their own independent life.In order to improve the quality of life for the elderly,a smart pension service that integrates Internet of things,the Internet and big data,and smart wearable products is developed to serve the needs of the users and form a cloud-based service for the elderly Particularly important.This paper first collects the related research of wisdom endowment and analyzes the problems that exist in the field of wisdom endowment in our country.Based on the theory of hierarchy of needs of Maslow,this paper focuses on the characteristics of user groups,analyzes the changes of the various functions of the body in their aging process,And based on this survey data,we summarize the needs of these users for their retirement and provide a solid foundation for future design theory and design practice.Finally,combining the cloud service technology in the system design,deeply researching the storage and synchronization of data,and realizing the smart elderly service products that meet the needs of users' security,convenience and comfort,etc.,provide the practice for the research of the smart retirement cloud service products in accordance with.