JP2003256658A - Defined contribution pension plan system, and program operating on computer - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To construct a system capable of flexibly coping with the change of a system, and particularly a defined contribution pension plan system for an operating and administrating organization in an operating system for the defined contribution pension plan system. <P>SOLUTION: An account administration DB referred to in a record keeping function comprises at least a commodity providing organization DB, a financial commodity DB, a member company DB, a member DB, a balance DB, a contribution administration DB, and an operation DB. The defined contribution pension plan system comprises at least a registration updating system for the commodity providing organization DB, the financial commodity DB, the member company DB, and the member DB, a distribution prediction/closing means for administrating the amount of contribution of members by referring to the contribution administration DB, a purchase indication means for indicating the purchase of a financial commodity selected by the member by referring to the operation DB, and a sharing administration means for administrating the sharing of the members based on the results of agreement on the financial commodity by referring to the balance DB. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an information processing system for operating a defined contribution pension plan, and more particularly to an information processing system for record management (record keeping) in an operation management organization.

[0002]

2. Description of the Related Art As a general pension system, there is a defined benefit pension. The defined benefit pension is a framework in which the future benefit amount of each employee is fixed in advance (defined benefit), and a fixed expected interest rate is set for it to determine the contribution. Conventionally, such a system has been widely adopted as a welfare pension fund or a tax-qualified retirement pension plan in Japan.

On the other hand, in the United States, a defined contribution pension such as the 401 (k) plan is adopted as one of the main pension plans. The defined contribution pension has a fixed monthly contribution amount (defined contribution), and the future benefit amount is determined by the contribution management result of each individual at the time of vesting. In such a system, there is no guarantee of future benefits, because the participants will choose financial instruments to manage their contributions (management instructions) and the management risk will be borne by the participants.

[0004] The enterprise-type defined contribution pension system is usually composed of a company, participants (including beneficiaries), an operation management organization, an asset management organization, and a product providing organization, each of which has a predetermined role. Hereinafter, the overall outline of the system will be described with reference to FIG. 7.

Companies participating in the defined contribution pension system (hereinafter,
Call it a "subscriber company". ) Appoints an asset management organization and an operation management organization. An asset management institution is an institution that manages premiums as an asset of the defined contribution pension plan, and a trust bank, for example, plays its role. The operation management organization is an organization that acts as an agent on behalf of the subscriber, records and manages the balance of contributions and assets, and executes processing such as reporting information such as the balance to the subscriber.

[0006] The member company contributes a premium to the asset management organization.

The subscriber gives an operation instruction to the operation management organization. The operation management organization collects operation instructions from the subscribers and gives operation instructions to the asset management organization.
Based on the operation instruction from the operation management organization, the sales contract of the financial product is actually executed with the product providing organization. The product provider is typically a financial institution such as a bank or a securities company that provides financial products.

In the case of a personal defined contribution pension system for self-employed persons, the National Pension Fund Federation will play the role of a member company.

[0009]

[Problems to be Solved by the Invention] It is expected that a trust bank will play the role of an asset management institution, and a bank or an insurance company will play the role of a product provider. Therefore, it is considered that the defined contribution pension operation system at each institution can be dealt with by developing it based on the information processing system owned by each existing institution.

However, since it is expected that the operation management organization will be newly established as an entity existing in the defined contribution pension system, the operation management organization's defined contribution pension operation system will be constructed using the system of the existing organization. It's difficult. In fact, since the system itself has just begun, there is virtually no publication of an operation system for operation management institutions.

Here, in the United States, which precedes the defined contribution pension system, an operation management organization has already been established, and there is a system that operates there. However, the specific configuration of such a system has hardly been published, and very little information is available. In addition, the details of the defined contribution pension plan to be implemented in Japan have not yet been fully finalized, and there is a possibility that various changes will be made in terms of operation even after the plan is actually started. is there. In addition, it is expected that it will be different from the US system in many respects, so it will be difficult to transfer the US operational management system as it is.

[0012] Therefore, an object of the present invention is to construct a system capable of flexibly coping with the change of the system, particularly a defined contribution pension system for an operation management organization.

[0013]

The defined contribution pension system of the present invention records and manages the amount of premiums and asset balances, and executes processing such as reporting information such as balances to subscribers (record keeping). ) A defined contribution pension system having at least a function, wherein the account management DB referred to in the function is a product provider institution DB, a financial product DB,
Member company DB, subscriber DB, balance DB, contribution management DB,
It is characterized in that the operation DB is divided at least.

[0014] Preferably, the product provider DB / financial product D
B / subscription company DB / registration update means for subscriber DB,
Contribution schedule / closing means for managing the amount of contribution of the subscriber by referring to the contribution management DB, purchase instruction means for issuing a purchase instruction for the financial product selected by the subscriber by referring to the operation DB, balance DB
Includes at least equity management means for managing each participant's equity based on the financial instrument commitment results.

The program of the present invention causes a computer to realize a record management function including a function of recording and managing a contribution and an asset balance regarding a defined contribution pension and a function of reporting information such as a balance to a subscriber. A program that is a product provider DB / financial product DB / subscriber company DB
/ Registration plan updating means for subscriber DB, contribution plan / contracting means for managing the amount of contribution of subscriber by referring to contribution management DB, referring to operation DB, and issuing purchase instruction for financial products selected by subscriber It is characterized in that it includes at least a program for functioning as each means of equity management means for managing the equity of each subscriber based on the contract result of the financial product by referring to the attachment instruction means and the balance DB.

The program of the present invention is characterized by causing the computer to execute the information processing method of the present invention.
The program of the present invention is a CD-ROM, a magnetic disk,
It can be installed or loaded into a computer through various recording media such as a semiconductor memory or via a network.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION (First Embodiment) An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram showing the configuration of a defined contribution pension management system which is a first embodiment of the present invention. As shown in FIG. 1, the defined contribution pension management system 1 has, as its main components, an operation management organization system 100, a member company system 101, an asset management organization system 102, and a product providing organization system 10.
Equipped with 3.

Each system may be a dedicated system or a general-purpose information processing device. For example, each system can be realized by using an information processing device having a general configuration including a processing device, an input unit, a storage unit, and an output unit. Further, each system is configured to be able to communicate with another system via a communication network.
The communication network may be a LAN, the Internet, a dedicated line, a packet communication network, a combination thereof, or the like.

The member company system 101 is a normal information processing system owned by each member company, and has, for example, a function of managing the affiliation and salary of employees who are members of the defined pension system.

The asset management institution system 102 is an information processing system owned by an asset management institution such as a trust bank,
For example, it has a function of collecting premiums from participating companies (such as automatic withdrawal from a bank account), a function of remittance of funds to a product providing organization based on an instruction from an operation management organization, and a function of paying benefits (transfer).

The product providing institution system 103 is an information processing system possessed by an institution that provides financial products such as banks, securities companies, and insurance companies. For example, the function of managing the balance of financial products for each participating company and the operation management. It has a function to make a contract to buy and sell financial products based on instructions from the institution (contract function), and a function to notify the operation management institution of the contract result.

As shown in FIG. 1, the operation management system 100 includes an office center 10, a system center 11,
Web / call center 12, member company system 101
Connection system 13 to the asset management system 10
2 connection system 14 and product provider system 1
The connection system 15 for 03 is included.
Although only one member company system 101, asset management institution system 102, and product providing institution system 103 are shown in the figure, the entire system may be configured to include a plurality of each.

The operation management system 100 has at least a record management function (record keeping function).
In addition, management function of system design information (enrollment qualification, system participation date, type of contribution, entitlement, benefit information, etc.), financial product information (product name, price change, investment yield, operational prospect, etc.) Presentation function, benefit management function (acceptance of benefit application,
Verification of eligibility, payment instructions, etc.)

The components of the operation management system 100 will be described below.

The office center 10 is, for example, a registration / change acceptance process for a product provider, a registration / change acceptance process for subscribers / subscribers, a contribution schedule / closing acceptance process, and a SW (switch).
/ Executes relocation retirement acceptance processing, operation instruction acceptance processing, etc.

The registration / change acceptance process of the product providing organization is
While accepting registration of a financial institution that intends to provide a financial product through the defined contribution pension management system 1, a financial product provided by the financial institution (a product that can be provided by the product providing institution for the defined contribution pension plan; for example, a fund , Time deposit, etc.) and transmits the received data to the system center 11 so as to be reflected in the product provider institution DB and the financial product DB in the system center 11.

Further, the registration / change acceptance process of a member company / subscriber is a system for accepting registration of a new member company / new subscriber and a change of registered information (attributes etc.) of an already member company / member. Subscriber DB, subscriber D in Center 11
This is a process of transmitting the received data to the system center 11 so as to be reflected in B.

In addition, the contribution plan / contract acceptance process is such that the received data is received by the system in order to accept the contract amount instruction data for fixing the planned amount and contribution amount related to the contribution and reflecting it in the contribution management DB in the system center 11. Center 11
It is a process of transmitting to.

The SW / retirement acceptance processing is the data received in order to accept the transfer (switch) of financial products from the participating companies / subscribers or the retirement information and reflect it in the operation DB / balance DB. System Center 11
It is a process of transmitting to.

The operation instruction acceptance processing refers to a commodity provider institution DB or a financial instrument DB in the system center 11 to present information on financial instruments and the like, and accepts information on financial instruments selected by the subscriber. In the processing, the received data is transmitted to the system center 11 so as to be reflected in the operation DB in the system center 11.

The above-mentioned processes are carried out by the member company system 1
01 may be implemented. In that case, each data is sent from the joining company system 101 to the connection system 13
It will be directly transmitted to the system center 11 via.

The office center 10 can be constructed by using an ordinary information processing device, but may further include an OCR device as a mechanism for receiving various inputs.

The Web / call center 12 can provide various information (product information, balance information, transaction history information, etc.) for the subscriber through the telephone or Internet from the subscriber. In addition, SW of the above-mentioned office center by the same route
It is possible to receive acceptance processing and operation instruction acceptance processing.

The connection systems 13 to 15 have a function as a firewall between the system center 11 and an external network. Also, in order to absorb the differences between each institution system, a file transfer server or a dedicated PC is installed in each institution as part of the connection system, and the communication protocol between the server / PC and each institution system is common. It will be configured.

The system center 11 can be constructed by using one or a plurality of ordinary information processing devices, and can communicate with the office center 10, the corporate system 101, the asset management institution system 102, the product providing institution system 103, etc. Composed.

FIG. 2 is a functional block diagram of the system center 11. As shown in FIG. 2, the system center 11
Is an account management DB 20, registration update means 21, planned contribution /
A closing means 22, a SW / retirement means 23, a deposit / purchase instruction means 24, an equity management means 25, etc. are provided, and a record management function is realized based on these respective means.

(Description of Account Management DB of System Center) The account management DB 20 is a database that manages various data necessary for the record management function, and is provided by the product providing organization D.
B, financial product DB, participating company DB, subscriber DB, balance D
B, contribution DB, contribution management DB, operation DB, etc. It should be noted that some of these DBs may be duplicated in the office center 10, the WEB / call center 12, and the connection destination systems 13, 14, 15.

The product providing institution DB stores providing institution attribute information (institution name, address, contact information, identification code of financial product provided by the institution, etc.) in association with the product providing institution identification code (FIG. 3). (See (a)).

The financial product DB stores product attribute information (such as product name, price change, operational yield, operational prospect, and identification code of a product providing institution that provides the product) in association with the financial product identification code. It is stored (FIG. 3 (b)).

The subscribing company DB is associated with the subscribing company's identification code, company attribute information (company name, address, contact information, corporate contribution limit, etc.), identification code of the financial product selected by the company as a presentation plan. Etc. are stored (FIG. 4A).

The subscriber DB stores subscriber attribute information (name, identification code of the affiliated company to which the user belongs, address, contact information, position, department, subscriber contribution amount, etc.) in association with the subscriber identification code. It is stored (FIG. 4 (b)).

The balance DB stores the deposit balance, various accumulated values (cumulative amount of deposits, etc.) of the financial instruments held, in association with the identification code of the subscriber (FIG. 5 (a)).

The contribution DB is associated with the subscriber's identification code and registered at the subscriber based on the offer,
The distribution ratio, distribution amount, etc. of the owned financial products with respect to the contribution amount are stored (FIG. 5B).

The contribution management DB stores, in association with the identification code of the subscriber, the distribution ratio, the distribution amount, etc. of the financial instruments held with respect to the contribution amount at the time of closing processing (FIG. 6).
(A)).

The operation DB is associated with a subscriber's identification code and a transaction instruction for each subscriber (for example, transaction type (trading)).
Etc.)-The transaction result (for example, transaction quantity, amount of money, etc.) is stored (FIG. 6B).

As described above, by constructing the account management DB as a set of a plurality of DBs subdivided according to purposes, it is possible to flexibly modify / change the data structure of the entire account management DB. It becomes possible to flexibly respond to the individual needs of a company (for example, to change the grouping of a company to a business unit).

(Explanation of each means of the system center) The registration / update means 21 receives update data from the office center 10 or the member company system 101, and based on the update data, the product providing institution DB, the financial product DB, or the member company. D
B, the stored contents of the subscriber DB and the like are updated.

The contribution plan / tightening means 22 is the office center 1.
0 or the member company system 101 receives the expected amount data relating to the contribution, the closing instruction data for fixing the contribution amount, and the like,
The content stored in the contribution management DB is updated on the basis of such data, and the purchase amount for each subscriber / product and the purchase amount information for each company / product that has been aggregated are recorded in the operation DB.

Further, the contribution schedule / tightening means 22 may be automatically carried out when a certain fixed date arrives, based on the attribute information registered in the subscribing company DB.

Further, the contribution schedule / tightening means 22 sends information on the amount of contribution of the company to the member company system 101 via the connection system 13 (total amount of contribution of subscribers belonging to the company + contribution of the company. The amount). With this, each company can collate the amount of contribution to be transferred to the trust account.

Similarly, the contribution schedule / tightening means 22 notifies the asset management institution system 102 of the contribution amount information via the connection system 14. As a result, the asset management organization 102 can know the amount of contribution transferred from each company.

The SW / retirement contracting means 23 is means for instructing a transaction for each subscriber. Specifically, the SW / retirement contracting means 23 receives the transfer instruction (SW) of financial products or the retirement information from the participating companies / subscribers from the office center 10 and the WEB / call center 12, and converts them into such data. Based on this, the recorded contents of the operation DB are updated.

Further, the SW / retirement contracting means 23 notifies the product providing institution system 103 of the transaction (operation contact) of the relevant financial product via the connection system 15. As a result, the product providing institution system executes contract processing of the financial product, and notifies the result to the system center via the connection system 15 of data.

The deposit / purchase instruction means 24 is a means for instructing a transaction for collecting and collecting contributions (in units of companies). Specifically, the deposit / purchase instruction means 24 receives, via the connection system 14, the contribution amount information transferred to the trust account managed by the asset management institution from the asset management institution system 102. Then, while confirming the deposit based on this information, the stored contents of the balance DB are updated.

Here, in addition to the asset management institution, a settlement financial institution may be separately installed. In that case, the company transfers the contribution amount to a trust account managed by the settlement management institution,
The settlement management organization will notify the asset management organization of the deposit information for the trust account.

Further, the deposit / purchase instruction means 24, based on the contents of the operation DB recorded by the contribution schedule / closing means 22,
Via the connection system 15, the product providing organization system 10
For 3, the data is collected for each company and a contract instruction (commodity order data) is output. The product providing organization actually executes the contract processing of the financial product based on the contract instruction, collects the contract result for each company, and returns it to the system center 11.

The deposit / buy instructing means 24, when the output contract instruction is the product purchase, the connection system 1
4, the transfer instruction corresponding to the contract instruction is output to the asset management institution system 102. Based on the transfer instruction, the asset management institution will transfer the product trading price to the collecting account of the product providing institution.

The equity management means 25 is means for mainly reflecting the result of the above transaction instruction on the balance. Specifically, the equity management means 25 receives the contract result from the product providing institution system 103, and based on this, executes the collective purchase process, the distribution process, the individual contract process, the profit fixing process, etc. Manage equity in financial instruments.

The collective purchase process is mainly to accept the result data of the transaction instructed by the deposit / purchase instruction means 24 from the product providing organization on a company basis, and based on the data, record the contents of the balance DB on a company basis. This is a process for updating.

The distribution processing is such that the above-mentioned packaged financial products are distributed to the subscribers and the subscribers (employees).
This is a process for updating the recorded contents of the balance DB in units.

The individual contract processing mainly receives the result data of the transaction instructed by the SW / retirement contracting means 23 from the product provider and records the balance DB for each subscriber (employee) based on the data. This is a process for updating the contents.

The profit fixing process is a process for distributing profits such as dividends.

The distribution process to the subscribers involved in the collective purchase and the distribution process involved in the profit settlement process are characterized as follows.

For example, in principle, the profits are distributed evenly, but a fraction may occur depending on the number of subscribers who have the right, so it is necessary to redistribute the fraction. Therefore, the distribution / redistribution processing is configured as follows.

First, the distribution calculation is rounded down according to the number of rights-bearing balances of each subscriber (the number of digits to be rounded down is
"Number of digits below the management decimal point" + 1 digit or less). next,
One unit per subscriber in a predetermined order (for example, the order in which the account numbers are sorted in ascending order) with respect to the difference (hereinafter referred to as “fractional number”) between the total of the distribution results accumulated for all the subscribers and the contract calculation Redistribute each one. Then, the last person whose fraction is redistributed is stored, and when the distribution calculation is performed next time, the redistribute is performed from the subscribers in the order next to the last person. If the redistribution is performed up to the last subscriber, the redistribution is continued by returning to the first subscriber.

As a result of each of the above processes, the contents stored in the balance DB are updated based on the distribution result and contract result for each subscriber.

(Other) As another embodiment of the present invention,
An information processing program or a recording medium recording the information processing program is conceivable. CD- as a recording medium
A recording medium such as a ROM, a magnetic disk, a semiconductor memory can be used.

In this case, the information processing program is read (installed or loaded) into the data processing device via the communication network or from the recording medium to control the operation of the data processing device. The data processing device executes the same processing as the processing by the office center 10, the system center 11, the Web / call center 12, the connection systems 13 to 15 and the like in the embodiment of the present invention by the control of the information processing program.

The present invention is not limited to the above-mentioned respective embodiments, but can be variously modified and applied.

[0070]

According to the present invention, by constructing the account management DB as a set of a plurality of DBs subdivided according to purposes, it is possible to construct a defined contribution pension system capable of flexibly responding to changes in the system. You can

[0071]

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a defined contribution pension management system that is a first embodiment of the present invention.

FIG. 2 is a block diagram showing a functional configuration of a system center.

FIG. 3 is a product provider institution DB included in the account management DB,
It is a figure for demonstrating the data structure of financial product DB.

FIG. 4 is a diagram for explaining the data structures of a subscriber company DB and a subscriber DB included in the account management DB.

[Figure 5] Balance DB and contribution DB included in the account management DB
3 is a diagram for explaining the data structure of FIG.

FIG. 6 is a diagram for explaining a data structure of a contribution management DB and an operation DB included in the account management DB.

FIG. 7 is a diagram for explaining an overall outline of a defined contribution pension system.

[Explanation of symbols]

1 Defined contribution pension management system 100 Operation management system 101 member company system 102 Asset management system 103 Product provider system 10 Office Center 11 System Center 12 WEB / call center 13, 14, 15 connection system

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Satoshi Suzuki             2-2-1 Otemachi, Chiyoda-ku, Tokyo Stock             Inside the Nomura Research Institute (72) Inventor Nobuo Asaba             2-2-1 Otemachi, Chiyoda-ku, Tokyo Stock             Inside the Nomura Research Institute (72) Inventor Yudai Kawamura             2-2-1 Otemachi, Chiyoda-ku, Tokyo Stock             Inside the Nomura Research Institute (72) Inventor Tatsuya Yamashita             2-2-1 Otemachi, Chiyoda-ku, Tokyo Stock             Inside the Nomura Research Institute

Claims (3)

[Claims] 1. A defined contribution pension system having at least a record management (record keeping) function that records and manages contributions and asset balances and reports processing such as balance information to subscribers. The account management DB referred to in the function
B, financial product DB, participating company DB, subscriber DB, balance D
A defined contribution pension system characterized by being configured by at least a B, a contribution management DB, and an operation DB. 2. Contribution schedule / closing means and operation DB for managing the amount of contribution of the subscriber by referring to the registration / update means for the product provider institution DB / financial product DB / subscriber company DB / subscriber DB, contribution management DB. It includes at least a purchase instruction means for referring to a financial product selected by the subscriber and an equity management means for managing the equity of each participant based on the contract result of the financial product by referring to the balance DB. The defined contribution pension system according to claim 1, wherein: 3. A program for causing a computer to realize a record management function for a defined contribution pension, including a function of recording and managing contributions and balances of assets and a function of reporting information such as balances to subscribers. , Product offering institution DB / Financial product DB / Subscriber company DB / Subscriber DB registration / update means, Contribution management DB to manage contribution amount / contract means for managing subscribers, Operation DB
As means of the purchase instruction means for instructing the purchase of the financial product selected by the subscriber by referring to, and the equity management means for managing the equity of each participant based on the contract result of the financial product by referring to the balance DB A program including at least a program for causing a computer to function.