JP2002312592A - Pension management system and programs applied to the system - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide a pension management system applicable to a defined contribution pension system, in which a subscriber can execute investment management instructions from a terminal device in an easy and visual operating environment. In a pension management system applied to a defined contribution pension system, a subscriber 1
Operates the terminal device 100 to instruct an investment management instruction to the server 300 of the management organization that manages investment management, thereby realizing an operation environment. The server 300 provides an operation screen on which an instruction to change an investment distribution can be issued using graphic information such as a pie chart.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a pension management system applicable to a defined contribution pension system, and more particularly to a technique for realizing an operating environment for a member to give an investment management instruction.

[0002]

2. Description of the Related Art In recent years, in the United States, a defined contribution pension system generally called 401k has attracted attention. This defined contribution pension plan is a system in which the amount of pension to be received is determined roughly based on the result of managing the amount of contribution of a participant. In other words, basically, a system in which a subscriber himself / herself instructs management of pension funds and plans pension management.

In order to realize such a pension system,
Instructions from subscribers (including individuals, companies, and pension unions) require an institution or system to manage pension funds and manage pension assets. In particular, an organization (system) called an operation management organization that performs operation management when pension funds are managed by various financial products or the like according to an instruction from a subscriber is important.

[0004] Specifically, the operation management organization has a server for managing actual investment management, and constitutes a system in which the server is connected to a terminal device operated by a subscriber via the Internet. . Here, the terminal device is usually a personal computer, but any device that can be connected to the Internet and has a function of exchanging information with the server and displaying and outputting information is provided by a mobile phone or a PD.
A portable information terminal called A may be used.

[0005]

As described above, in the defined contribution pension system, basically, the subscriber himself / herself instructs the management of the pension fund and manages the pension. Specifically, the subscriber operates a terminal device and exchanges information with a server of an operation management organization via the Internet to perform an instruction operation regarding investment management.

[0006] However, in actual investment management, different types of financial products are selected and contributions from subscribers (usually monthly contributions) are invested and distributed, which requires complicated instructions. May be done. It is expected that a small number of members will have expertise in financial investment. Therefore, it is desirable to provide an operation environment in which an instruction operation for issuing an investment operation from the terminal device is as easy as possible, and can be executed from a so-called visual operation screen so that the subscriber can visually confirm the operation. .

Accordingly, an object of the present invention is to provide a pension management system applicable to a defined contribution pension system, in which a subscriber can execute an investment management instruction from a terminal device in an easy and visual operating environment. It is in.

[0008]

SUMMARY OF THE INVENTION The present invention provides a so-called 40
In a 1k-related pension operation management system, for example, the present invention relates to realization of an operation environment in which a subscriber operates a terminal device on the Internet and issues an investment operation instruction to a server of an operation management organization that manages investment operation.

More specifically, the present system is a pension management system for investing and managing a pension asset composed of contributions from a subscriber with a plurality of financial products. Screen information generating means for supplying operation information related to investment management instructions including investment distribution of the amount of contribution when investing in the selected investment financial product as screen information visible on the display device of the terminal device, Receiving means for receiving an investment operation according to the contents of the instruction operation when an investment operation instruction operation including investment distribution is performed using the screen information displayed on the display device of the terminal device; Means for executing an operation management process relating to investment management accepted by the means.

When the system having such a configuration is realized by, for example, a server connected on the Internet,
The server can provide an operation screen for instructing investment management such as a change in investment distribution to the subscriber terminal device as a Web screen. Further, the server can display a visual operation screen on the Web screen that is easy for the subscriber to visually confirm. Therefore, the subscriber can easily and accurately operate an instruction regarding investment management such as a change in investment allocation on the display screen of the terminal device.

In particular, since the screen information displayed on the Web screen can be in various forms, it is possible to provide an operation environment in which the subscriber can easily visually confirm and operate easily. As a specific example, an operation screen including graphic information such as a pie chart and a band graph is displayed on the investment distribution, and by operating the graphic information, it is possible to instruct the server to change the investment distribution and the like.

In short, in the operating environment of the system of the present invention, it is possible to display the contents of investment management such as investment distribution and to operate the display result to give a desired investment management instruction. it can. Therefore, as a result, it is possible to provide the subscriber with an excellent operation environment that is easy to operate and easy to visually confirm.

[0013]

Embodiments of the present invention will be described below with reference to the drawings.

(System Configuration) FIG. 1 is a block diagram showing a main part of a system related to the present embodiment, and FIG. 2 is a block diagram for explaining a defined contribution pension system relating to the embodiment.

The defined contribution pension scheme, as shown in FIG.
It is assumed that the system is realized by a system including various institutions that operate and store pension funds, which are contributions from the subscriber 1. In this embodiment, the individual subscriber 1
Supposes that it directs the management of pension funds. As a system, the individual subscriber 1 may instruct the management of pension funds via the company 2 (for example, including an organization such as a pension fund union).

As the various organizations, an operation management organization 3 and an asset management organization 4 are assumed. The management organization 3
It is an organization related to the system of the same embodiment, and is roughly divided into selection of investment products (financial products), provision of information on individual investment products, compilation of operation instructions from subscriber 1, management of subscriber account balance, subscriber Performs business such as management of personal information and management of investment management products. The asset management organization 4 is an organization that performs a business of actually investing a contribution in the investment product selected by the operation management organization 3. The asset management institution 4 and the operation management institution 3 may be realized by the same financial institution.

In this embodiment, as shown in FIG. 1, a system in which a terminal device 100 operated by a subscriber 1 and a server 300 of an operation management organization 3 are connected on the Internet 200 is assumed. The terminal device 100 is a personal computer, a mobile phone, a PDA (portable information terminal device), or the like, and has a function of exchanging information with the server 300 via the Internet 200 using an IP protocol. The server 300 has the same information communication function as a normal Web server, and has various information processing functions necessary for the operation management institution 3.

(Investment operation instruction operation) Hereinafter, with reference to FIG.
With reference to FIGS. 3 to 5, a procedure of an investment operation instruction operation by the subscriber according to the embodiment will be described.

In the embodiment, the subscriber 1 is connected to the terminal 10
0 operating the input device (keyboard and mouse) 11 to connect to the Internet 200,
(Log-in) to the server 300 (step S)
1). The server 300 has a Web menu including a predetermined menu screen.
A screen b is prepared and displayed on the display 10 of the terminal device 100 (step S2). The menu screen includes menu items corresponding to the operation product list screen according to the embodiment, in addition to menu items such as a commentary screen for the pension system and a procedure operation screen at the time of joining.

When the operation product list screen is selected and designated by the operation of the terminal device 100 by the subscriber 1, the terminal device 1
A web screen as shown in FIG. 3A is displayed on the display 10 of step S00 (YES in step S3, step S3).
4). This Web screen is an operation screen for displaying the contents of the investment management that has already been set by the subscriber 1 and for giving an instruction of the investment management.

Here, as shown in FIG. 3A, a list 30 of operable financial products, a monthly contribution amount (here, 50,000 yen) 31 of the subscriber, and a pie chart showing the current investment distribution 32 is displayed. In the financial product list 30, the content of the product is displayed together with each product code (such as A to D). The contents of the product include the characteristics of each financial product, for example, risks (displayed as stable, middle risk, high risk, etc.) and expected yields. The pie chart 32 is graphic information indicating the investment distribution (%) of the selected investment product in a visual display. Instead of the pie chart 32, graphic information composed of a band graph may be used.

The subscriber 1 can easily confirm the investment distribution 32 for the monthly contribution 31 and the contents of each product selected as the investment management product on the operation screen. The server 300 updates the financial product list 30 and always presents the latest contents.

Here, when the subscriber 1 operates, for example, the mouse of the input device 11 and designates and clicks the pie chart 32 with the pointer 12, the server 300 performs an instruction operation for changing the investment distribution (changing the investment ratio). Is executed (YES in step S5). Here, when adding a new product to the currently managed product, the subscriber 1 operates the mouse and specifies the designated product (here, product code D) in the financial product list 30 with the pointer 12. Server 300, the server 300 recognizes the fact (step S
6 YES). The server 300 inserts and displays the new product (D) specified by the subscriber 1 in the pie chart 32, as shown in FIG. 3B, and performs a predetermined condition (including designation of a ratio from the subscriber 1). ), The distribution ratio of the investment management product is calculated, and the graphic information reflecting the calculation result in the pie chart 32 is displayed again (steps S7, S9).

That is, in the specific example, the investment distribution of 40% of the initial product (code A), 30% of the product (code B), and 30% of the product (code C) is added to the instruction of the subscriber. Accordingly, 35% of the operation product (code A), 25% of the operation product (code B), and 25% of the operation product (code C)
% And 15% of the investment product (code D).

FIG. 3A shows an operation method for setting (including changing) the investment distribution in accordance with the instruction of the subscriber.
As shown in the figure, the partition line 32a of the pie graph 32 is
To 32c is assumed. Here, by dividing the division line 32b from the division line 32b and moving, the investment distribution (15%) of the new product (code D) is set as shown in FIG. Similarly, by moving the division line 32c, the investment distribution (25%) of the investment product (code B) and the investment product (code C) is changed. As an operation method, other than the above, for example, the designated area (for example, code A) of the pie chart 32 with the pointer 12
After clicking, use the keyboard to enter a value (for example, 3
By inputting 5), the investment distribution of the investment product (code A) may be changed from 40% to 35%.

The subscriber 1 confirms the result of the change in the investment distribution as shown in FIG. 3B, and executes the operation of instructing the finalization (for example, clicking the finalize button on the screen) if the consent is obtained. As a result, the server 300 executes investment management with the investment distribution instructed to change. Specifically, the server 300 executes processing for creating an investment instruction slip.

If the subscriber 1 instructs to change the investment allocation of the current investment products (A to C) without adding a new product, the user 1 drags the pointer 12 with the pointer 12 as described above.・ Pie chart 32
Are moved (NO in step S6). In response to this instruction, server 300 recalculates the allocation ratio of investment management products based on predetermined conditions (including a change in the ratio of designated products from subscriber 1), and reflects the calculation result in pie chart 32. The displayed graphic information is displayed again (steps S8 and S9).

More specifically, as shown in FIG. 5A, 40% of the original operational product (code A), 30% of the operational product (code B), and 30% of the operational product (code C). The investment distribution can be changed to 25% of the investment product (code A), 45% of the investment product (code B), and 30% of the investment product (code C) according to the instruction of the subscriber. .
The subscriber 1 confirms the result of the change in the investment distribution, and if it is approved, executes an operation for instructing confirmation (for example, clicking a confirmation button on the screen). Thereby, the server 300
Will execute the investment management with the investment allocation instructed to change.

On the other hand, the subscriber 1 operates the mouse of the input device 11 and moves the designated product (product code D) in the financial product list 30 with the pointer 12 to the designated product (product code B) on the pie chart 32. ), The server 300 recognizes the instruction as a change instruction of the operation product (NO in step S5). That is, the server 300 is configured as shown in FIG.
As shown in the figure, 40% of the original investment product (code A),
30% of operational product (code B), operational product (code C)
30% of the investment product (code C) and 30% of the investment product (code C) according to the subscriber's instruction.
%, And the investment distribution is changed to 30% of the investment product (code D) (steps S10 and S11). In other words, the investment distribution of the investment product (code A) and investment product (code B) is not changed, but the content is changed to invest in the investment product (code D) instead of the investment product (code B). is there. The subscriber 1 confirms the result of the change of the investment distribution, and executes the operation of instructing the finalization (for example, clicking the finalize button on the screen) if it is approved. Thereby, the server 300
Will execute the investment management with the investment allocation instructed to change.

As described above, the system according to the present embodiment can realize an operation environment in which an instruction operation regarding investment management for a contribution of a subscriber can be performed on a Web screen displayed on a display of the subscriber. The system is We
b The operation screen provided on the screen includes a list 30 of operable financial products and a monthly contribution amount of the subscriber (50,000 yen here).
31 and a pie chart 32 showing the current investment distribution. In particular, the graphic information composed of the pie chart 32 indicates the investment distribution (%) of the selected investment product in a visual display. Therefore, the subscriber can visually and easily confirm the current investment management status and visually and easily confirm the result of the investment management instruction operation including the change of the investment distribution.

In such an operating environment, the subscriber can
The changed investment distribution or the like can be easily confirmed by visual graphic information reflecting the result calculated by the server without having to calculate the distribution ratio by itself. Therefore, even if the subscriber does not have specialized knowledge on financial investment, the subscriber can perform an instruction operation on an actual investment operation requiring a complicated instruction.

Although the embodiment has been described in connection with a change in investment distribution and an instruction operation for adding or changing an investment product, the present invention is not limited to this. The present invention can be applied to an instruction operation.

Further, the operation screen on the Web screen in the embodiment is an example, and various forms of operation screen can be generated. In short, the server 3 of the embodiment
Reference numeral 00 has a function of generating and providing an operation screen using graphic information (a pie chart or a band graph) that allows the subscriber 1 to easily visually confirm and easily operate.

[0034]

As described above in detail, according to the present invention, in a pension management system applicable to a defined contribution pension system, a visual operation environment for a subscriber to perform an investment management instruction operation from a terminal device. Can be provided.
Thus, the subscriber can easily and accurately operate an instruction regarding investment management such as a change in investment allocation on a visual operation screen that is easy to visually confirm.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a main part of a system according to an embodiment of the present invention.

FIG. 2 is a block diagram for explaining a defined contribution pension system according to the embodiment;

FIG. 3 is an exemplary view showing an example of an operation screen according to the embodiment.

FIG. 4 is an exemplary flowchart for explaining the procedure of an investment operation instruction operation according to the embodiment;

FIG. 5 is an exemplary view showing an example of an operation screen according to the embodiment.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Subscriber 2 ... Company 3 ... Operation management organization 4 ... Asset management organization 10 ... Display 11 ... Input device 30 ... List of financial products 31 ... Contribution amount 32 ... Graphic information (pie graph) 200 ... Internet 300 ... Server

Claims (9)

[Claims] 1. An annuity management system for investing and managing a pension asset composed of contributions from a subscriber with a plurality of financial products, wherein a management device selected by a terminal device operated by the subscriber is provided. Screen information generating means for supplying operation information related to investment management instructions including investment distribution of a contribution amount when investing in the terminal device as screen information that can be visually recognized on a display device of the terminal device, and the display of the terminal device Using the screen information displayed on the device, when an investment operation instruction operation including the investment distribution is performed, a reception unit that receives an investment operation according to the content of the instruction operation, and the reception unit A means for executing an operation management process related to investment management received by the pension management system. 2. The method according to claim 1, wherein the screen information generating means includes means for generating the screen information including graphic information in which the investment distribution is graphically displayed as the operation information. 2. The method according to claim 1, wherein when an instruction operation relating to a change in investment distribution is executed by using, an investment operation in an investment distribution according to the content of the instruction operation is received. Pension management system. 3. The screen information generating means updates the graphic information according to the investment distribution change when the receiving means receives an instruction operation on the investment distribution change, and updates the updated graphic information. The pension operation management system according to claim 2, wherein the system is configured to generate screen information including the following and supply the generated screen information to the terminal device. 4. It has a function of exchanging information with a terminal device operated by a subscriber via the Internet, and invests and manages pension assets composed of contributions from the subscriber with a plurality of financial products. An operation management system comprising a server for executing an operation management process for the operation, the server comprising: an operation related to an investment management instruction including an investment distribution of a contribution amount when investing in a selected investment financial product. Means for generating information as screen information that can be browsed by a WWW browser set in the terminal device; means for transmitting the screen information to the terminal device via the Internet; and Using, when an investment management instruction operation including the investment distribution is executed,
A pension management system comprising: a receiving unit that receives investment management according to the content of the instruction operation; and a unit that executes an operation management process related to the investment management received by the receiving unit. 5. The server comprises: means for generating the screen information including graphic information in which the investment distribution is graphically displayed as the operation information; and an instruction relating to a change in investment distribution using the graphic information in the terminal device. 5. The pension management system according to claim 4, further comprising: means for receiving the instruction operation when the operation is executed; and means for executing an operation management process related to investment management according to the change in the investment distribution. Management system. 6. The apparatus according to claim 2, wherein said graphic information is pie graph information or band graph information.
The pension operation management system according to claim 5. 7. A function for exchanging information with a terminal device operated by a subscriber via the Internet, and invests and manages pension assets composed of contributions from the subscriber with a plurality of financial products. A program to be applied to the computer of the pension management system that executes the management process for managing the investment information related to the investment management instruction including the investment distribution of the contribution amount when investing in the selected investment financial product. A function of generating screen information that can be browsed by a WWW browser set in the terminal device, a function of transmitting the screen information to the terminal device via the Internet, and using the screen information in the terminal device. When an investment operation instruction operation including the investment distribution is executed,
A program for causing the computer to realize a function of receiving investment management according to the content of the instruction operation and a function of executing an operation management process related to investment management received by the receiving unit. 8. It has a function of exchanging information with a terminal device operated by a subscriber via the Internet, and invests and manages pension assets composed of contributions from the subscriber with a plurality of financial products. A program to be applied to the computer of the pension management system that executes the management process for managing the investment information related to the investment management instruction including the investment distribution of the contribution amount when investing in the selected investment financial product. A function of generating the screen information including graphic information in which the investment distribution is graphically generated by generating as screen information that can be browsed by a WWW browser set in the terminal device; and A function of transmitting to the terminal device, a change in investment distribution using the graphic information in the terminal device, or an instruction operation of investment management other than this; A program for causing the computer to realize, when executed, a function of receiving an investment operation according to the content of the instruction operation, and a function of executing an operation management process related to the investment operation received by the reception unit. 9. The program according to claim 8, wherein the graphic information is pie graph information or band graph information.