JP2000268083A - Premium charge storage record update device, planned pension receipt amount calculation device, and prepaid premium calculation device - Google Patents

Abstract

(57) [Summary] [Problem] To improve the efficiency of pension clerical work and counter operations. SOLUTION: An information acquisition unit 101 for acquiring qualification update information of a pension insured person, a qualification history storage unit 103 for storing qualification history, and a qualification in accordance with the qualification update information acquired by the information acquisition unit 101. A qualification history update unit 102 for updating the qualification history stored in the history storage unit, a charge storage record storage unit 106 for storing the charge storage record, and a charge history storage for storing the charge storage record stored in the charge storage record storage unit. And a charge storage record updating unit 104 that updates the qualification history stored in the unit according to the updated qualification history.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an insurance premium storage record updating apparatus for updating a record of insurance premiums imposed on an insured person and a record of refund of insurance premiums, and calculates an estimated amount of annuity received. The present invention relates to an estimated pension receipt amount calculation device and a prepayment premium calculation device for calculating prepayment insurance premiums.

[0002]

2. Description of the Related Art Conventionally, in social security offices and local governments in prefectural municipalities, in national clerical work and window operations, pension insurance premiums to be paid, paid pension insurance premiums to be paid or received by insured persons of national pensions. When preparing documents to notify the insured of the amount of pensions available to the insured or presenting them directly to the insured, it may take a long time to retrieve information on such premiums and pensions. is there.
Specifically, as information that takes a long time to retrieve in this way, in addition to imposed storage information that indicates the storage status of the national pension premiums imposed on the insured, the expected amount of the basic old-age pension and the national pension advance payment There are things like insurance premiums.

[0003] Information on the payment of the national pension insurance premium is calculated by
This information is managed on a monthly basis. The pay-as-you-go information must be updated in accordance with the change of the qualification history of the insured, such as the history of joining the national pension, the history of joining the additional pension, and the history of exempting premiums. However, since these qualification histories are all information managed on a date basis,
The matching between the charge storage information managed on a yearly / monthly basis and these qualification histories requires a complicated procedure, and is performed manually or by batch processing at night. For this reason, a time lag occurs after the change of the qualification history occurs until the charge storage information is updated according to the change of the qualification history. Due to this time lag, the update of the charge storage information due to the change in qualification may not be completed in time, which may hinder the provision of the new charge storage information at the window. In addition, due to this time lag, the refund process for paid premiums that should be refunded at the same time as the loss of qualification is delayed in the administration of the national pension, and payment issuance is required to request the payment of premiums due to qualification acquisition. This has caused problems such as a fall in the collection rate of insurance premiums.

[0004] The calculation of the expected amount of the basic retirement pension is performed at the time of consultation with the pension insured of the national pension insured,
For example, in the insurance premium payment situation of the insured person, simulation is performed to simulate how old a pension is paid and how much pension is paid in future months. The conventional calculation of the basic retirement pension plan is performed manually using a table calculator, etc., and the transfer addition calculation of the transfer addition added to the basic retirement pension is similarly performed using a table calculator etc. It is done manually. For this reason, it takes a long time for one insured person to consult for pension receipt, and the efficiency of the window business is low.

[0005] The national pension advance payment premium is a premium that is paid in advance and the amount paid is discounted. Conventionally, the payment of the national pension prepayment insurance premium is made by the person in charge looking up the prepayment premium corresponding to the prepayment start month and the prepayment period and entering the amount of the prepayment insurance premium. It was very time-consuming and human error-prone. In addition, checking the prepaid insurance premium requires the same time and effort as preparing a payment slip. Alternatively, it has been considered that the contents of the table are stored in a magnetic storage medium, and from the contents of the table, the national pension full payment insurance premium is searched based on the prepaid start month and the prepaid period. In such a case, the output of the payment notice and the amount of the prepaid insurance premium collected are automatically performed, but the contents of the table must be updated each time the insurance premium is revised. There are 11 types of tables and 179 in total
Since there are six patterns of prepayment premiums, the maintenance of the table requires a great deal of labor.

[0006]

As described above, in the past, in the clerical work and the window work related to the national pension, it sometimes takes a long time to retrieve necessary information. Efficiency is desired because the preliminary work of taking out takes time and effort.

In view of the above circumstances, it is an object of the present invention to provide a premium payment storage / recording update device, a pension receipt expected amount calculation device, and a prepaid premium calculation device that improve the efficiency of pension clerical work and window operations. I do.

[0008]

According to the present invention, there is provided an insurance premiums storing / recording updating apparatus according to the present invention comprising: (1) a pension number for identifying an insured person and a qualification given to the insured person; An information acquisition unit that acquires information including a type and a date relating to the acquisition and qualification of the qualification in accordance with the operation. A qualification history update unit that updates the qualification history including the date related to the qualification history. (3) A qualification history storage unit that stores the above qualification history so that it can be updated freely by the qualification history update unit. (4) A levy storage of monthly premiums for each insured person. Charge storage record storage section that rewritably stores the charge storage record in which the information of the credit and refund is recorded. (5) Based on the pension number acquired by the information acquisition section and the qualification history stored in the qualification history storage section. , Charge storage record storage unit That a levy accommodating recording updating unit for updating the stored imposed housed recorded characterized.

[0009] The information including the type of qualification given to the insured person and the date concerning the qualification of the insured includes:
For example, a pension enrollment history, an additional pension enrollment history, and an insurance fee exemption history are given.

When the qualification history update unit updates the qualification history, the charge storage record update unit updates the charge storage record. Therefore, there is no time lag between the update of the charge storage record and the update of the qualification history. In addition, the efficiency of window operations is improved.

[0011] Further, since the insurance charge storage / recording updating apparatus includes both the qualification history updating unit and the charging storage / record updating unit, it is excellent in maintainability.

[0012] In the above-mentioned insurance fee storing / recording updating apparatus of the present invention, the paying / accommodating record / updating unit is configured so that the insured person updates the insured person based on the pension number acquired by the information acquiring unit and the qualification history stored in the qualification history storage unit. Qualification table creation means for creating a qualification table representing the history of qualifications for each month, and charge storage record updating means for updating the charge storage record based on the qualification table created by the qualification table creation means. Preferably, there is.

With this qualification table, the charge storage record updating means can update the charge storage record by a simple procedure.

[0014] The above-mentioned insurance premium storage record updating apparatus includes: (6) the insured person specified by the pension number acquired by the information acquisition unit in the premium storage record stored in the premium storage record storage unit; It is preferable to include an output unit that outputs a charge storage record related to the charge.

The output unit can output a charge storage record including information on charge storage and refund of monthly premiums required for pension clerk work and window operations, and browse the output charge storage record. be able to.

[0016] In the above-mentioned insurance charge storage record updating apparatus, the charge storage record updating unit may be configured so that the charge storage record update unit has monthly information of the charge storage record according to the qualification before the qualification change, the qualification after the change, and the charge storage after the change. It has an update pattern table storage means for storing an update pattern table representing correspondence with the information of each month of the record, and updates the charge storage record stored in the charge storage record storage unit based on the update pattern table. Preferably, there is.

With this update pattern table, the charge storage record updating means can update the charge storage record by a simple procedure.

[0018] To achieve the above object, the present invention provides a pension receiving amount calculation apparatus comprising: (7) the date of birth of the insured person of the pension, the number of months the insured person has been exempted from paying the premium, An information acquisition unit that acquires the insured information, which consists of the number of months the insured has paid the fixed premium and / or supplemental premium and the start year of the pension payment. (8) The amount of the pension payment for each year A storage unit for storing general information including a full amount, a correspondence table of the number of years that can be enrolled with the birth date of the insured person, and a correspondence table of the rate of change in pension amount for each age at which payment starts. (9) The information acquisition unit of (7) (10) Estimated pension receiving amount calculating unit that calculates the estimated pension receiving amount based on the insured person information obtained by the above and the general information stored in the storage unit of (8) above. Display section that displays the estimated amount of pension receipt calculated by It is characterized by having.

When the information acquisition section (7) acquires the insured person information, the estimated pension receiving amount calculation section calculates the estimated pension receiving amount based on the insured person information, and the calculated pension is calculated. Since the expected amount to be received is displayed on the display unit, the desired amount to be received for the pension can be immediately obtained, and consultation for receiving the pension in the window business can be completed in a short time.

[0020] The above-mentioned pension receiving amount calculation apparatus of the present invention comprises:
The information acquisition unit of (7) further acquires insured person information including the presence or absence of the transfer addition of the insured person, and the storage unit of (8) further stores the full amount of the transfer addition amount for each year. And general information including a correspondence table of a transfer addition reduction rate with respect to the birth date of the insured person, and the estimated pension receipt amount calculation unit calculates the insured amount acquired by the information acquisition unit of (7) above. Transfer sum calculation based on the client information and the general information stored in the storage unit of (8) above, and the display unit further includes a transfer addition schedule calculated by the estimated pension receipt amount calculation unit. It is preferable to display the amount.

The pension receipt expected amount calculation device can calculate the transfer addition amount and display the transfer addition amount obtained by the calculation on the display unit of the above (10).

The prepaid insurance premium calculation apparatus of the present invention that achieves the above object is as follows: (11) an information acquisition section for acquiring prepaid date information including a prepaid start date and a prepaid end date of an insurance premium; A storage unit for storing general information including fixed premiums, additional premiums for each fiscal year, and interest rates according to the compound interest method, (13) prepaid date information obtained by the information obtaining unit of (11) and A prepayment premium calculation unit that calculates a prepayment premium based on the general information stored in the storage unit of (12). (14) An output unit that outputs the prepayment premium calculated by the prepayment premium calculation unit is provided. Features.

When the information acquisition section (11) acquires the prepaid date information, the prepaid insurance premium calculation section calculates the prepaid insurance premium based on the prepaid date information, and the calculated prepaid insurance premium is calculated. Is output by the output unit of the above (14), a desired prepayment insurance premium is immediately obtained, and the efficiency of the storing work of the annuity prepayment insurance premium is improved.

The prepaid insurance premium calculation section is based on the general information stored in the storage section (12), including the fixed premium for each fiscal year, the additional premium for each fiscal year, and the interest rate of the compound interest method. Since the prepayment insurance premium is calculated, the prepayment insurance premium calculating apparatus can cope with the revision of the insurance premium only by changing the contents of the general information when the insurance premium is revised, and the maintenance is easy.

In the advance insurance premium calculation apparatus of the present invention, the storage unit of the above (12) further stores a premium payment storage status which is a monthly premium storage status for each insured person. The information acquisition unit of (11) further acquires an annuity number for identifying an insured person, and the prepaid insurance premium calculation unit stores the insurance premium stored in the storage unit of (12). It is preferable that the prepaid insurance premium is calculated according to the premium payment storage status of the insured person specified by the pension number acquired by the information acquisition unit in (11), out of the premium payment storage status.

This prepaid insurance premium calculation device stores the unpaid state and the paid state in the insured person's insurance charge storage status, for example, even if the state has not been paid yet. Prepaid insurance premiums can be calculated according to the insurance premium storage status.

[0027]

Embodiments of the present invention will be described below.

FIG. 1 is an external view (A) and an internal configuration of a computer in which an embodiment of each of a premium charging storage record updating apparatus, an estimated pension receipt amount calculating apparatus, and a prepaid premium calculating apparatus according to the present invention is realized. FIG.

As shown in FIGS. 1A and 1B, this computer 10 has a CPU 11, a CD-RO
M drive 12, memory 13, hard disk 14, mouse 15_1, keyboard 15_2, display 1
And a printer 19 connected to the system bus 17 and having a normal GUI (graphical user interface) function. The CD-ROM drive 12 of the computer 10 stores the insurance premium of the present invention. By inserting the CD-ROM 18 storing the programs used in the record updating device, the estimated pension receipt amount calculating device, and the prepaid insurance premium calculating device, and installing the programs on the magnetic disk 14, the insurance fee imposed and stored record is obtained. The updating device, the estimated pension receipt amount calculating device, and the prepaid insurance premium calculating device are each operable, and when the installed program is started, the computer system operates the insurance premium storage / recording updating device of the present invention. , Annuity calculation device, and It operates as an embodiment of each prepaid premium computing device.

In the computer 10 shown in FIG. 1, the CD-ROM 18 is used as a program storage medium for storing the above-mentioned program. The medium for storing the program used in each of the prepaid premium calculation devices is not limited to the CD-ROM, but may be any other program storage medium such as an optical disk, a magneto-optical disk, a floppy disk, or a magnetic tape. It also includes an internal storage device such as a hard disk device in which the program is installed.

Although the computer 10 shown in FIG. 1 shows a configuration in the case of a stand-alone operation, the premium charge storage / renewal apparatus, the estimated pension receipt amount calculation apparatus, and the advance payment rate calculation apparatus according to the present invention include a client. / A server system may be constructed.

First, an embodiment of the insurance premium storage / recording updating apparatus of the present invention will be described. The premium charging storage record update device of the present embodiment is based on the insured person's date unit by acquiring and losing the qualification of the insured national pension, joining and withdrawing from the additional pension, and starting and ending the premium exemption. When the qualification history to be managed is changed, the charge storage information managed on a yearly / monthly basis is automatically updated according to the change in the qualification history.

FIG. 2 is a conceptual block diagram showing an embodiment of an insurance premium storage / recording updating apparatus according to the present invention.

The insurance premium storage / recording updating apparatus of the present embodiment has an information acquisition unit 101, a qualification history updating unit 102, and a qualification history storage unit 103.

The information acquisition unit 101 represents the mouse 15_1 and the keyboard 15_2 shown in FIG. 1, and includes a basic pension number for identifying an insured person, a qualification of a national pension given to the insured person, and additional information. Depending on the user's operation, information on which qualification, at least one of pension qualification and premium exemption qualification, was acquired or lost or acquired or lost on a date basis. What you get.

The qualification history storage unit 103 has a database of a national pension participation history 103_1, an additional pension participation history 103_2, and a premium exemption history 103_3. The national pension enrollment history 103_1 is a database that manages the pension insured's national pension enrollment history (basic pension number, qualification acquisition date, disqualification date, insured type), and the additional pension enrollment history 103_2 is the pension insured history. This is a database for managing the insured's additional annuity participation history (basic pension number, additional enrollment date, additional withdrawal date), and the premium exemption history 103_3 is the premium exemption history (basic pension number, exemption) for the insured. start date,
Exemption end date, exemption category).

The qualification history update unit 102 is provided by the information acquisition unit 10
The above three databases are updated according to the information acquired in step 1.

Further, the insurance charge storage record update device includes a charge storage record update unit 104, a qualification table 105,
And a charge storage record storage unit 106.

The qualification table 105 is a table showing the qualification history of each insured person by month.

The charge storage record storage unit 106 stores the charge storage record in a rewritable manner, and the charge storage record includes a current year storage record 106_1, a past year storage record 106_2, and an insurance premium refund record 106_3. Current year storage record 10
6_1 is a database that manages the most recent (for the 2nd to 10th fiscal year) storage status (basic pension number, premium charge code, probate code) of the insured person.
06_2 is a database that manages the storage status (basic pension number and payment code) of the pensioned person before the current year's storage record, and the premium refund record 106_3 is the premium refund record ( It is a database that manages basic pension numbers, refund target months, refund amounts).

The charge storage record update unit 104 stores the basic pension number acquired by the information acquisition unit 101 and the qualification history storage unit 10.
The charge storage record stored in the charge storage record storage unit 106 is updated based on the qualification history stored in No.3. The charge storage record update unit 104 includes a qualification table creation unit 104_1, an update pattern table 104_
2 and section storage information updating means 104_3.

The qualification table creation means 104_1 stores the basic pension number acquired by the information acquisition unit 101, the national pension participation history 103_1, the additional pension participation history 103_2, and the premium exemption history 103_3 stored in the qualification history storage unit 103 in the database. The qualification table 105 is created based on the qualification after the change between the monthly information of the charge storage record before the change and the monthly information of the charge storage record after the change. It is a table showing correspondence. Update pattern table 104_2
There are two types, described below, for a verification code and a payment code. The charge storage record update unit 104_3 is a current year storage record 106_ stored in the charge storage record storage unit 106 based on the qualification table 105 created by the qualification table creation unit 104_1.
1. The charge storage record in the previous year storage record 106_2 and the insurance premium refund record 106_3 is updated.

The output unit 107 outputs the insured person identified by the basic pension number acquired by the information acquisition unit 101.
This is for outputting the charge storage record stored in the charge storage record storage unit 106. In FIG. 1, the display 16 and the printer 19 are shown.

Next, a specific example of the update of the charge storage information accompanying the change of the qualification will be described with reference to FIGS. 3 and 4. FIG. Here, the case where the national pension qualification is lost on March 21, 1999 is considered.

FIG. 3 is a flowchart showing an example of updating the qualification history by the qualification history update unit.

In step S 101, the user obtains a “national pension qualification” from the information acquisition means 101 in addition to the insured's basic pension number on “March 21, 1999”. Update information acquisition means 10
The information is input by the operation 1 and the information obtaining means 101 obtains the basic pension number and the update information thereof.
Next, the process proceeds to step S102.

In step S102, the qualification history update unit 1
02 reads the update information acquired by the information acquisition means 101. Next, the process proceeds to step S103.

In step S103, the qualification history updating unit 1
02 is a basic pension number read from the information acquisition unit 101 in the national pension participation history 103_1 of the qualification history storage unit 103 based on the keyword “national pension qualification” of the change information read from the information acquisition unit 101. Read all qualification histories for the specified insured.

Here, the contents of the insured person's history of joining the national pension are “qualification acquisition date: May 10, 1998”,
And "insured person type: first". Also,
The insured person's additional annuity participation history is “additional annuity participation date: June 15, 1998” and “additional annuity withdrawal date: September 14, 1998”. Refer to “Exemption start date: January 1998”
January 8 "and" Exemption end date: January 4, 1999 "
Day ". Next, the process proceeds to step S104.

In step S104, the qualification history updating unit 1
02, in accordance with the update information read from the information acquisition means 101, adds “disqualification date: March 21, 1999” to the qualification history of the national pension read from the qualification history storage unit 103 and stores the qualification history. Update. Next, step S10
Go to 5.

In step S105, the qualification history update unit 1
02 writes the qualification history of the national pension updated in step S104 to the national pension enrollment history 103_1. Next, the process proceeds to step S106.

In step S106, the qualification history update unit 1
02 outputs the basic pension number read from the information acquisition unit 101 to the charge storage record update unit 104. Thus, the qualification history updating unit 102 ends the operation.

Here, in consideration of a case where the national pension qualification has been lost, the national pension enrollment history 103_1 has been rewritten. Even when the national pension qualification is acquired, the national pension participation history 103_1 is rewritten. When the user joins or withdraws from the additional pension, the additional pension enrollment history 103_2 is rewritten, and further, the premium exemption history 103_3 is rewritten according to the start and end of the premium exemption.

FIG. 4 is a flowchart showing an example of updating the charge storage record performed by the charge storage record update unit in response to the update of the qualification history shown in FIG.

This flowchart is a continuation of the flowchart shown in FIG.

In step S 107, the charge storage record update device 104 receives the basic pension number output from the qualification history update unit 102. Receiving the basic pension number starts the process of updating the pay storage record. Next, the process proceeds to step S108.

In step S108, the charge storage record update unit 104 obtains the basic pension number received in step S107 from the national pension subscription history 103_1, the additional pension subscription history 103_2, and the premium exemption history 103_3 in the qualification history record storage unit 103. Read the qualification history of the insured person specified by. As described above, the qualification history is expressed in date units. Next, the process proceeds to step S109.

In step S109, based on the qualification history read from the qualification history record storage unit 103, the qualification table creation means 104_1 of the charge storage record update unit 104 expresses the monthly qualification of the insured person in the following procedure. A qualification table 105 is created. The reason for creating such a qualification table 105 is that, although the qualification history is expressed by date, the qualification history is processed on a year / month basis for paying and storing the insurance premium.

First, the qualifying period of the national pension qualification in the payment of insurance premiums is determined from the month to which the qualification acquisition date belongs in the history of joining the national pension qualification to the month before the month of the lapse of the qualification. The qualification is identified by the insured type of the first insured person and the third insured person. The history of the insured person's participation in the national pension is described in “Qualification Date: May 10, 1998
Date, "date of disqualification: March 21, 1999" and "insured person type: first", the qualification period is from May 1998 to February 1999.

Next, in paying and storing insurance premiums, the additional enrollment period during which the insured person is considered to be enrolled in the additional pension depends on the month in which the additional enrollment date belongs to the month of the additional withdrawal date in the additional pension qualification enrollment history. Until the previous month. The details of the insured person's additional pension enrollment history are as follows:
June 15, 1998 "and" The date of withdrawal from additional pension: 1
"September 14, 998", the additional subscription period is from June 1998 to August 1998.

Next, the insurance premium exemption period is defined from the month before the month on which the exemption start date of the insurance premium exemption history belongs to the month on which the exemption end date belongs. The details of the premium exemption history for the insured are “Exemption start date: November 8, 1998”,
And “Exemption end date: January 4, 1999”, the above insurance exemption period is from October 1998 to 19
It will be until January 1999.

Then, the qualification table 105 shown in FIG. 5 can be created according to the qualification period, the additional joining period, and the insurance fee exemption period determined in this way.

FIG. 5 is a diagram showing a qualification table.

The qualification table shown in FIG.
This is a qualification table for one year of the year, in which the qualifications of the insured person for each month from April 1998 to March 1999 are displayed. Eligibility period is 199 by arrow a51
From May 2008 to February 1999,
Arrow a52 indicates that the additional subscription period is from June 1998 to August 1998, and arrow a53 indicates that the premium waiver period is from October 1998 to January 1999. .

As a result, as shown in the figure, the qualification of the insured is “unqualified” in April 1998, “No. 1 insured” in May, and "Additional subscription" in the month, "No. 1 insured" in September, 19 from October
Until January 1999, the insurance fee was exempted, in February 1999 it was "No. 1 insured", and in March 1999 it was "unqualified". Note that here, the insured person
The case where the national pension qualification is lost on March 21 is considered.
The March qualification was described as "No. 1 Insured."

Next, the process proceeds to step S110.

In step S 110, the charge storage record updating means 104 _ 3 performs the step S 10 of the current year storage record 106 _ 1, the previous year storage record 106 _ 2, and the insurance premium refund record 106 _ 3 of the charge storage record storage unit 106.
The charge storage record of the insured person specified by the basic pension number received in step 7 is read. The premium charge codes used for these records are shown in Table 1, the verification codes are shown in Table 2, and the payment codes are shown in Table 3.

[0068]

[Table 1]

Table 1 is divided into two upper and lower stages. The upper row shows the qualifications of the insured, such as “Unqualified Period”, “Third Insured”, “First Insured”, and “Application Exemption”. The lower row shows the premium charge codes according to the qualifications shown in the upper row. For example, "0" (unnecessary), "1" (first), and "1" (first) for the respective qualifications "Unqualified Period", "First Insured", and "Application Exemption" The code “6” (application exemption) corresponds.

[0070]

[Table 2]

Table 2 is divided into left and right columns. The left column indicates the type of the monthly premium payment status such as “unpaid”, “fixed amount (prepaid)”, “fixed amount”, “fixed amount + additional”, and “unnecessary”. The right column shows a verification code corresponding to the type of payment status shown in the left column. For example, "unpaid", "fixed amount (prepaid)", "fixed amount", "fixed amount + additional",
And "unnecessary" payment status,
The codes “0”, “1”, “4”, “5”, and “9” correspond.

[0072]

[Table 3]

Table 3 is divided into left and right two columns. The left column indicates the type of monthly premium payment status such as “fixed amount” or “fixed amount + addition”. The right column shows a payment code corresponding to the type of payment status shown in the left column. For example, codes “A” and “B” correspond to the respective payment situations “fixed amount” and “fixed amount + addition”.

In particular, one of the current year storage records 106_1
Paying attention to the record of March 999, since the insured person whose qualification was changed was the first insured person before the change of qualification, the premium charge code of that record is “1” (No. 1). It is.
Also, here, the insured believes that the premium for March 1999 has already been paid in advance, and the verification code of this record is:
It is assumed that it is “1” corresponding to a fixed amount (prepayment).

In the past year storage record 106_2, the payment status of each month for the past year is indicated by the payment code. Since this record shows the payment status of the past year,
There is no record for March 1999.

As described above, in March, the insurance premium charge code is “1” (first) and the verification code is “1” corresponding to a fixed amount (prepayment). You have not paid too much insurance. Therefore, the insurance premium refund record 106
_3 has no March 1999 record.

Next, the process proceeds to step S111.

In step S111, the charge storage / updating means 104_3 uses the updated pattern table 104_2 and the qualification table 105 created by the qualification table creation means 104_1 in step S108 to read the current year storage record read in step S110. 106_1 and the insurance premium refund record 106_3 are updated. First, updating of the current year storage record 106_1 will be described. Table 4
The update pattern table 104_ for the verification code
2 is shown.

[0079]

[Table 4]

In the leftmost column of Table 4, the same insurance payment status as that shown in Table 2 is shown together with the verification code.
Each of the premium payment statuses corresponds to the premium payment status before the qualification update, which is read from the current year storage record 106_1 by the charge storage record update unit 104_3. In the upper part of Table 4, various types of the same qualification as those shown in the upper part of Table 1 are shown. This qualification is stored in the qualification table 105
Represents the updated new credential as shown in. At the intersection of the leftmost column containing the premium payment status and the upper row containing the qualification column, the verification code indicating the new premium payment status after the renewal of the qualification is shown.

As described above, the insurance premium payment status before the renewal of the qualification in March 1999 is “1: fixed amount (prepayment)”, and the qualification in March 1999 shown in the qualification table 105 is “None”. Qualification "was. At the intersection of the row of "1: fixed amount (prepayment)" and the column of "unqualified", the verification code "9"
It is shown. The verification code “9” indicates “unnecessary”.
This is because the update of the qualification to “unqualified” eliminates the need to pay the insurance premium and changes the verification code to “unnecessary”. This verification code "9" is in the area surrounded by the thick line. The area surrounded by the bold line indicates that a refund of the insurance premium will occur. This is because instead of changing the verification code to “unnecessary” that does not require the payment of insurance premiums, it becomes necessary to return the already paid fixed amount (prepaid) premium to the insured. .

The charge storage record update means 104_3 reads this verification code "9" and stores the current year storage record 106_.
The verification code of the record of March 1999 out of 1 is changed from "1" indicating a fixed amount (prepayment) to "9" indicating unnecessary, and the record is updated. Further, the charge storage record updating means 1
04_3 is the insurance premium refund record 106_3, which shows the basic pension number of the insured person to be refunded,
"Month" and a record of the refund equivalent to the premium for the fixed amount (prepayment).

The premium charge code of March 1999 in the current year storage record 106_1 is “1” (first
), The qualification table 105 is updated to “0” (unnecessary) according to the qualification “unqualified” in March 1999.

Here, since it is considered that only the qualification for March 1999 is updated, the past-year storage record is not updated. When the qualification for the past year is made by the qualification history updating unit 102 for some reason, the charge storage record update unit 104_3 uses the update pattern table 104_2 for the payment code to store the previous year storage record 106_2.
To update. Table 5 shows the update pattern table 104_2 for the payment code.

[0085]

[Table 5]

Table 5 is obtained by replacing the insurance payment status shown in the leftmost column with the verification code in Table 2 with the insurance payment status shown together with the payment code.
This insurance premium payment status is based on the charge storage record update means 104_
Numeral 3 corresponds to the insurance premium payment status before the qualification is updated, which is read from the past year storage record 106_2. In the upper part of Table 5, various types of the same qualification as those shown in the upper part of Table 1 are shown. This credential represents the updated new credential shown in the credential table 105. At the intersection of the leftmost column containing the premium payment status and the upper row containing the qualification, a payment code indicating the new premium payment status after the renewal of the qualification is shown.

As described above, by using the qualification table 105 and the update pattern table, the charge storage record updating means 104_3 can update the charge storage record by a simple procedure.

Next, the process proceeds to step S112.

In step S112, the charge storage record updating means 104_3 updates the 199 updated in step S111.
The current year storage record 106_1 and the insurance premium refund record 106_3 for March 9 are written in the charge storage record storage unit 106. If the previous year storage record 106_2 is updated, the previous year storage record 106_2 is also sent to the charge storage record storage unit 106. This completes the update of the premium charge storage record.

[0098] These premium charge storage records are output from the output unit 107 via the charge storage record update unit 104 and the qualification history update unit 102. The information on the monthly payment of premiums and the refunds contained in the outputted premium payment storage records can be used in pension clerical work and counter operations.

As described above, the qualification history updating unit 102
When the user updates the qualification history stored in the charge storage record storage unit 103, the charge storage record update unit 104 automatically updates the charge storage record stored in the charge storage record storage unit 106. The time lag between the renewal of the qualification history and the renewal of the qualification history is eliminated, and the efficiency of pension clerk and counter operations is improved. Also, the insurance charge storage record update device includes a qualification history update unit 102 and a charge storage record update unit 10.
4 is excellent in maintainability because both are provided.

Next, an embodiment of the pension receipt expected amount calculating device of the present invention will be described. The estimated pension receiving amount calculating device of the present embodiment calculates the expected amount of basic old-age pension based on the pension enrollment status and insurance premium payment status of the insured at the time of consultation of the pension receiving of the national pension insured. is there.

FIG. 6 is a conceptual configuration diagram showing an embodiment of the estimated pension receipt amount calculation device of the present invention.

The pension receiving expected amount calculating device of the present embodiment
Information acquisition unit 201, pension receipt consultation screen control unit 202, estimated pension receipt amount calculation unit 203, parameter file 204,
And a display unit 205.

The information acquisition unit 201 represents the mouse 15_1 and the keyboard 15_2 shown in FIG. 1, and shows the date of birth of the insured person of the pension and the number of months the insured person has been exempted from paying the premium. And information on the insured, including the number of months the insured has paid fixed premiums and / or supplemental premiums, the year in which the pension was paid, and whether or not the insured has been transferred. And pension receipt consultation screen control unit 2
02 controls output of information on the insured person's pension receipt consultation to the display unit 205 in accordance with an instruction from the information acquisition unit 201.

The parameter file 204 corresponds to a file included in the storage unit according to the present invention. The parameter file 204 includes a table showing correspondence between the full amount of the pension payment for each fiscal year, the number of years that the insured can join the birth date, and the start of payment. It stores general information including a correspondence table of a pension amount change rate for each age, a full transfer addition amount for each fiscal year, and a transfer addition reduction rate for an insured person's date of birth.

[0097]

[Table 6]

Table 6 shows a correspondence table between the birth date of the insured and the number of years that can be enrolled.

The table is divided into two columns on the left and right. The left column shows the range of birth dates of the insured from fiscal year 1926 to fiscal year 1941 for each fiscal year, and the right column shows the date of birth for each fiscal year. The number of years that can be subscribed to the date of birth is indicated. The number of years that can be joined has been 1 since 25 of 1926.
It has been 40 years since 1994. Using this table, it is possible to calculate the number of years that the insured can join from the date of birth of the insured.

[0100]

[Table 7]

Table 7 shows a correspondence table of the rate of change in pension amount for each age at which payment is started.

The table is divided into upper and lower rows, and the upper row contains 60 rows.
The age from the age of 70 years old is shown, and the lower part shows the rate of change in pension amount for each age in the upper part. The rate of change in pensions ranges from -0.42 at the age of 60 to 0.88 at the age of 70. The higher the age at which payments start, the greater the rate of change in pensions,
The higher the age at which payments begin, the higher the amount of pensions paid to the insured person each month. Using this table, it is possible to obtain the pension increase / decrease rate of the insured person's desired payment start age.

[0103]

[Table 8]

Table 8 shows a correspondence table of the transfer addition reduction rate with respect to the birth date of the insured person.

The table is divided into two columns, left and right.
The range of the date of birth of the insured from fiscal year 1926 to fiscal year 1965 is shown for each fiscal year, and the right column shows the transfer addition reduction rate for the range of the date of birth for each year. The transfer reduction rate is 1.000 in 1926.
From 0.067 in 1965. If the date of birth is out of the range of the date of birth shown in Table 8, it is not subject to transfer addition, so the transfer addition amount is zero. Using this table, the transfer addition reduction rate of the insured can be obtained from the birth date of the insured.

The estimated pension receipt amount calculation unit 203 is based on the insured person information acquired by the information acquisition unit 201 and the general information included in the parameter file 204 since the process from the pension receipt consultation screen control unit 202. It is used to calculate the expected amount of basic old-age pension and the transfer amount. The calculation of the expected amount of the basic retirement pension is calculated by the following formula.

[0107]

(Equation 1)

[0108]

(Equation 2)

As shown in Equation 1, the effective number of paid months is calculated by adding the number of paid months of the national pension divided by 3 to the number of paid months of the national pension. By dividing the effective number of paid months by the maximum number of months that can be paid, the insured person's enrollable years × 12, the rate at which the insured person has effectively paid the insurance premium is obtained. This ratio is 1 if all payments have been made. By multiplying this ratio by the full amount of the pension payment of the insured person's desired payment start year, the expected amount of the basic old-age pension when not participating in the additional pension is obtained. If the user has an additional pension, 200 yen × the number of additional payment months is further added to the expected amount of receipt. This added amount is the estimated amount of the pension to be paid in consideration of the addition of the additional pension. This expected amount of payment is equivalent to the annual amount when the 65-year-old payment starts. Fractions of the amount to be received shall be rounded down to less than 50 yen and rounded up to 50 yen or more.

Next, as shown in Equation 2, the expected amount of payment is multiplied by a value obtained by adding 1 to the rate of change in the amount of pension for each age at which the insured wants to start, and the expected amount of payment at that age is calculated. Is expected to receive the pension.

It is also possible to independently calculate the amount not including the additional pension and the amount of the additional pension out of the expected amount to be received, using Expressions 1 and 2.

[0112]

(Equation 3)

As shown in Equation 3, the transfer addition amount is obtained by multiplying the full transfer addition amount of the insured person's desired payment start year by the insured person transfer addition reduction rate shown in Table 8. Required by

[0114] The display unit 205 displays the estimated pension receipt amount calculation unit 2.
3 shows the estimated pension receipt amount and the estimated transfer addition amount calculated in step S03.

The operation of the estimated pension receipt amount calculation device of this embodiment will be described with reference to the flowchart of FIG.

FIG. 7 is a flowchart showing the operation of an embodiment of the estimated pension receipt amount calculation apparatus according to the present invention.

In step S201, the information obtaining means 201 obtains the insured person information in accordance with a user's input operation. At that time, although not shown in the flowchart,
A pension consultation screen is displayed on the display unit 205 through the receipt consultation screen control unit 202, thereby guiding the user's input operation. Next, the process proceeds to step S202.

In step S202, the receipt consultation screen control unit 202 receives the insured person information acquired by the information acquisition means 201, and passes the insured person information calculation request to the estimated pension receipt amount calculation unit 203 together with the insured person information. . next,
Proceed to step S203.

[0119] In step S203, the scheduled receipt amount calculation unit 203 receives the scheduled receipt amount calculation processing request together with the insured person information from the receipt consultation screen control unit 202. Next, the process proceeds to step S204.

[0120] In step S204, the pension receiving schedule calculation unit 203 reads the general information from the parameter file 204. Next, the process proceeds to step S205.

In step S205, the estimated pension receipt amount calculation unit 203 calculates the old-age basic pension receipt amount based on Expressions 1 and 2 described above, and calculates the transfer addition amount based on Expression 3. Next, the process proceeds to step S206.

In step S206, the result of the estimated amount of the basic retirement pension and the transfer amount calculated by the estimated pension receivable amount calculation unit 203 are displayed on the pension reception consultation screen control unit 20.
2, and the results are displayed on the display unit 205.

As described above, in the estimated pension receiving amount calculating apparatus of the present embodiment, when the information acquisition unit 201 obtains the above insured person information, the estimated pension receiving amount calculating unit 203 performs based on the insured person information. The estimated amount and the transfer amount are calculated, and the calculated estimated amount of the pension is displayed on the display unit 205. Therefore, the desired estimated amount of the pension can be immediately obtained, and the consultation for the pension receiving at the counter business can be performed in a short time. Only needs to be done. In addition, when the insured person visits the pension receipt consultation, the expected amount to be paid can be immediately and accurately calculated as described above, so that the quality and efficiency of the pension receipt consultation are improved. This improvement in quality and efficiency will also lead to an increase in the quality and efficiency of the overall contact and pension affairs.

Next, an embodiment of the prepaid premium calculation system of the present invention will be described. The prepaid premium calculation device of the present embodiment calculates the prepaid premium of the insured person immediately in consideration of the payment status of the national pension within the designated prepaid period. Things.

FIG. 8 is a conceptual block diagram showing an embodiment of the prepaid insurance premium calculation apparatus of the present invention.

The prepaid insurance premium calculation apparatus according to the present embodiment comprises:
It includes an insurance premium storage processing unit 301, a payment note creation processing unit 302, a prepaid insurance premium calculation unit 303, a parameter file 304, a current year storage record 106_1, and a printing unit 305.

[0127] The insurance premium storage processing unit 301 performs processing of confirmation (confirmation of application) when storing insurance premiums. The insurance premium storage processing unit 301 includes a part corresponding to the information acquisition unit according to the present invention, and sets the start date and the end date of the advance payment when the premium is paid in advance according to the operation of the user. Acquisition of prepaid date including the information and basic pension number for identifying the insured. Further, the insurance premium storage processing unit 301
Has a display corresponding to the output unit according to the present invention, and displays advance insurance premiums on the display.

The payment note creation processing unit 302 performs a payment note creation processing. The payment note preparation processing unit 302 also includes a part corresponding to the information acquisition unit according to the present invention, similarly to the insurance fee storage processing unit 301, and according to the operation of the user,
When the insurance premium is prepaid, the prepaid date information including the prepaid start date (base month) and the prepaid end date and the basic pension number for identifying the insured person are acquired.

The parameter file 304 contains general information necessary for calculating the prepaid premium for the national pension, including the fixed premium for each fiscal year, the additional premium for each fiscal year, and the interest rate of the compound interest present value method (5/5). Is a file that contains In addition, the current year storage record 106_1 stores general information including the insurance-payment storage status indicating the storage status of the insurance premium charged to the insured person, and is shown in FIG. This is the same as the current year's storage record 106_1 of the fee-based storage record update device. The parameter file 304 and the current year storage record 106_1 correspond to files and records included in the storage unit according to the present invention.

The prepaid insurance premium calculation unit 303 reads the prepaid date information and the basic pension number obtained by one of the premium storage processing unit 301 and the payment note preparation processing unit 302, and further records the current year's imposed storage 106_1. From the insured person specified by the read basic pension number and general information of the parameter file 304, and further based on the read prepaid date information, basic pension number and the general information. The prepaid premium for the national pension is calculated according to the surcharge storage status of the premium stored in the surcharge storage record. The prepaid insurance premium calculation unit 303 performs this calculation in the following procedure.

First, based on the basic pension number acquired by one of the premium storage unit 301 and the payment note preparation processing unit 302, the insured's premium storage status of the insured is retrieved from the current year's premium storage record 106_1. Then, the system finds the unpaid month among the months of the prepaid period from the month of the prepaid start date to the month of the prepaid end date. Only unpaid months of this prepaid period are subject to calculation.

Next, the insurance premium discount rate for each month of this prepaid period is calculated by the following formula.

[0133]

(Equation 4)

As shown in Equation 4, the insurance premium discount rate for the month N months after the base month is obtained by calculating compound interest on a monthly basis according to the interest rate of the compound interest cost method.

Next, the fixed premium for each month which has not been paid during the prepaid period is multiplied by the monthly premium discount rate calculated by the equation 4 to obtain a discounted fixed premium for each month. If the insured person has also taken out additional insurance, multiply the additional insurance premium in each unpaid month of this prepaid period by the insurance premium discount rate in each month determined by equation (4). Ask for discounted premiums for the month. Discounted fixed premiums and discounted premiums are rounded down to two decimal places and are calculated to two decimal places.

The prepaid insurance premium for the fixed premium is obtained by summing up the discounted fixed premiums for the unpaid months of the prepaid period and rounding off the first place to the total. The sum of the discounted premiums for each month in the prepaid period and rounded to the first place is the prepaid premium for the premiums. This completes the calculation of the national prepaid insurance premium.

The printing unit 305 includes a prepaid insurance premium calculation unit 303
This is to print a form such as a payment slip including the advance payment premium calculated by the above.

The operation of the prepaid insurance premium calculation apparatus according to the present embodiment will be described with reference to the flowcharts of FIGS.

FIG. 9 is a flow chart showing the operation of the prepaid insurance premium calculation apparatus according to the present embodiment when confirming the storage of the insurance premium.

In step S301, the insurance premium storage processing unit 301 acquires advance payment date information and a basic pension number in accordance with a user operation. Next, the process proceeds to step S302.

In step S302, the prepaid insurance premium calculation unit 303 reads the prepaid date information and the basic pension number acquired by the premium storage unit 301. Next, step S
Go to 303.

In step S303, the prepaid insurance premium calculation unit 303 reads, from the current year charge storage record 106_1, the charge storage record of the insured person specified by the basic pension number read in step S302. Next, step S
Proceed to 304.

In step S 304, the prepaid insurance premium calculation unit 303 reads the general information in the parameter file 304. Next, the process proceeds to step S305.

In step S 305, the prepaid insurance premium calculation unit 303 further calculates a national fee based on the prepaid date information read in step S 303 and step S 304 and the general information, in accordance with the insurance premium imposed and stored status of the imposed and stored record. Calculate prepaid premiums. The details of this calculation have already been described, and will not be described. Next, the process proceeds to step S306.

In step S306, the prepaid insurance premium calculation unit 303 sends the calculation result of the national pension prepaid insurance premium calculated in step S305 to the insurance premium storage processing unit 301. Next, the process proceeds to step S307.

In step S 307, the insurance premium storage processing unit 301 displays the calculation result of the national pension advance payment premium calculated by the advance payment calculation unit 303. The user can refer to the displayed calculation result of the prepaid national pension premium to confirm the application of the prepaid national pension insurance.

FIG. 10 is a flowchart showing the operation of the prepaid insurance premium calculation apparatus of this embodiment when making a payment slip.

In step S311, the payment note preparation processing unit 302 obtains advance payment date information and a basic pension number in accordance with the operation of the user. Next, the process proceeds to step S312.

[0149] In step S312, the prepaid insurance premium calculation unit 303 reads the prepaid date information and the basic pension number acquired by the payment note preparation processing unit 302. Next, step S
Proceed to 313.

In steps S313 to S315, the same processing as in steps S303 to S305 is performed. Next, the process proceeds to step S316.

In step S316, the prepaid insurance premium calculation unit 303 sends the calculation result of the national pension prepaid insurance premium calculated in step S315 to the payment note preparation processing unit 302. Next, the process proceeds to step S317.

In step S 317, the payment note preparation processing unit 302 sends the calculation result of the prepaid insurance premium for the national pension to the printing unit 305 together with the instruction to print the payment note. Next, the process proceeds to step S318.

At step S318, the printing unit 305
The payment slip including the calculation result of the national pension prepaid insurance premium sent from the payment slip preparation processing unit 302 is printed and output.

The prepaid insurance premium calculation unit calculates the prepaid insurance premium based on the prepaid date information acquired by the insurance premium storage processing unit 301 and the payment note preparation processing unit 302 as described above, and the calculated prepaid insurance premium is calculated. The insurance premium is stored in the insurance premium processing unit 30
1 or output to the printing unit 305,
The user can immediately obtain the desired prepaid insurance premium, thereby improving the efficiency of storing the prepaid premium.

The prepaid insurance premium calculation unit 303 is based on general information including a fixed premium for each fiscal year, an additional premium for each fiscal year, and an interest rate based on the compound interest method stored in the parameter file 304. Since the prepayment insurance premium is calculated, the prepayment insurance premium calculating apparatus can cope with the revision of the insurance premium only by changing the contents of the general information when the insurance premium is revised, and the maintenance is easy.

The prepaid insurance premium calculation device also records the current year's pay storage 1 even if the unpaid status is mixed with the paid status in the insured's premium storage status.
Prepaid insurance premiums can be calculated according to the insurance premiums storage status represented by 06_1.

[0157]

As described above, the premium charge storage record updating apparatus of the present invention automatically and immediately updates and updates the premium charge storage information with the change of the qualification of the insured. The ability to use the charge storage information allows for quicker pension clerk and window operations, and furthermore, the premium charge storage record updating device of the present invention provides a part for changing the qualification of the insured person and updating of the premium charge storage information. Since both parts for performing the above are provided, maintainability is improved.

Further, since the estimated pension receiving amount is calculated immediately by the estimated pension receiving amount calculating apparatus of the present invention, the efficiency of the pension window operation is improved.

The advance insurance premium calculation device of the present invention calculates the advance insurance premium immediately, further facilitates maintenance when the insurance premium is revised, and improves the efficiency of pension clerical work and window operations.

[Brief description of the drawings]

FIG. 1 is an external view (A) and an internal configuration diagram (B) showing an embodiment of a premium-paying storage record updating device, a pension receipt expected amount calculating device, and a prepaid premium calculating device, respectively, of the present invention.

FIG. 2 is a conceptual configuration diagram showing an embodiment of an insurance premiums storage record updating apparatus of the present invention.

FIG. 3 is a flowchart illustrating an example of updating a qualification history by a qualification history update unit.

FIG. 4 is a flowchart illustrating an example of updating a charge storage record performed by a charge storage record update unit in response to the update of the qualification history illustrated in FIG. 3;

FIG. 5 is a diagram showing a qualification table.

FIG. 6 is a conceptual configuration diagram showing an embodiment of an estimated pension receipt amount calculation device according to the present invention.

FIG. 7 is a flowchart showing the operation of an embodiment of the estimated pension receipt amount calculation device of the present invention.

FIG. 8 is a conceptual configuration diagram illustrating an embodiment of an annuity prepaid insurance premium calculation device according to the present invention.

FIG. 9 is a flowchart showing the operation of the prepaid premium calculation device of the present embodiment when confirming the storage and cancellation of the premium.

FIG. 10 is a flowchart showing an operation of the annuity prepaid insurance premium calculation device of the present embodiment when a payment slip is prepared.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 Insurance premium storage record update device, estimated pension receipt amount calculation device, advance premium calculation device 11 CPU 12 CD-ROM drive 13 Memory 15_1 Mouse 15_2 Keyboard 16 Display 17 System bus 18 CD-ROM 19 Printer 101 Information acquisition unit 110 Output unit 102 Qualification history update unit 103 Qualification history storage unit 103_1 National pension enrollment history 103_2 Additional pension enrollment history 103_3 Insurance exemption history 104 Charge storage record update unit 104_1 Qualification table creation means 104_2 Update pattern table 104_3 Charge storage record update means 105 Qualification Table 106 Charge storage record storage unit 106_1 Current year storage record 106_2 Past year storage record 106_3 Premium refund record 107 Output unit 201 Information acquisition unit 202 Pension receipt consultation Surface control unit 203 pension plans amount calculation unit 204 the parameter file 205 display unit 301 premium storage processing unit 302 payment slip creation processing unit 303 prepaid insurance premium calculation unit 304 the parameter file 305 printing unit

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Inventor Masahiro Koto 2-34 Honcho, Kochi City, Kochi Prefecture F-term in Fujitsu Kochi System Engineering Co., Ltd. 5B049 AA01 AA02 AA04 BB00 CC00 CC01 DD01 DD05 EE05 FF09

Claims (8)

[Claims] 1. An annuity number for identifying an insured person;
An information acquisition unit that acquires information including a type of qualification given to the insured person and a date concerning the acquisition and qualification of the qualification according to an operation; and, for each insured person, according to the information acquired by the information acquisition unit. A qualification history updating unit that updates a qualification history including a type of qualification and a date regarding the acquisition and qualification of the qualification; a qualification history storage unit that stores the qualification history in an updatable manner by the qualification history updating unit; A charge storage record storage unit that rewritably stores a charge storage record in which information of charge storage and refund of monthly premiums is recorded, an annuity number acquired by the information acquisition unit, and a qualification history storage unit. And a charge storage record update unit that updates the charge storage record stored in the charge storage record storage unit based on the stored qualification history. 2. The charge storage record update unit, based on the pension number acquired by the information acquisition unit and the qualification history stored in the qualification history storage unit, stores a history of qualifications by month for each insured person. A qualification table creating means for creating a qualification table to be represented, and a charge storage record updating means for updating the charge storage record based on the qualification table created by the qualification table creation means. An insurance premium storage record updating device according to claim 1. 3. An output unit for outputting a charge storage record relating to the insured person specified by the pension number acquired by the information acquisition unit, among the charge storage records stored in the charge storage record storage unit. 2. The insurance premiums storage record updating device according to claim 1, wherein: 4. The charge storage record updating section, wherein the charge storage record update information for each month of the charge storage record according to the qualification before the qualification change, and the change of the charge storage record for each month according to the qualification after the change. An update pattern table storing means for storing an update pattern table representing correspondence with information; and updating the charge storage record stored in the charge storage record storage unit based on the update pattern table. 2. The insurance premium storage record update device according to claim 1, wherein: 5. The birth date of the insured person of the pension, the number of months the insured person has been exempted from paying the premium, and the insured has paid a fixed premium and / or an additional premium. An information acquisition unit that acquires insured person information consisting of the number of months and the start year of the pension payment, a correspondence table of the full amount of the pension payment for each year, the number of years that the insured can join the birth date, and A storage unit that stores general information including a correspondence table of an annuity change rate for each payment start age, based on the insured person information obtained by the information obtaining unit and general information stored in the storage unit. A planned pension receiving amount calculation unit, comprising: a planned pension receiving amount calculating unit for calculating a planned pension receiving amount; and a display unit for displaying the planned pension receiving amount calculated by the planned pension receiving amount calculating unit. apparatus. 6. The information acquisition unit further acquires insured person information including the presence / absence of transfer addition of the insured person, and the storage unit further stores a full transfer addition amount for each year and an insured person. Storing general information including a correspondence table of the transfer addition amount reduction rate with respect to the date of birth of the insured person, wherein the estimated pension receipt amount calculation unit and the insured person information acquired by the information acquisition unit and the storage unit The transfer addition amount calculation based on the general information stored in the storage unit, and the display unit further displays the transfer addition amount calculated by the estimated pension receipt amount calculation unit. The pension receipt expected amount calculation device according to claim 5, characterized in that: 7. An information acquisition unit for acquiring prepaid date information including a prepaid start date and a prepaid end date of an insurance premium, a fixed premium for each fiscal year, an additional premium for each fiscal year, and a compound interest present value method. A storage unit for storing general information including interest rates, and a prepaid insurance premium calculation unit that calculates prepaid insurance premiums based on prepaid date information acquired by the information acquisition unit and general information stored in the storage unit. An output unit for outputting the prepaid insurance premium calculated by the prepaid insurance premium calculation unit. 8. The storage unit further stores a premium charge storage status, which is a monthly premium charge storage status for each insured person, and the information acquisition unit further stores the insured person. Acquiring an annuity number for identification, wherein the prepaid insurance premium calculation unit is specified by an annuity number acquired by the information acquisition unit, out of the premium charge storage status stored in the storage unit. 8. The prepaid insurance premium calculation device according to claim 7, wherein the prepaid insurance premium is calculated in accordance with the insurance premium charged and stored status of the insured person.