JP2001325444A - System and method for calculating pension benefits - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and a method for calculating pension benefits by which the pension benefits to become a reference can be referred to by comparatively referring to the pension benefits for each age to start receiving the pension and displaying the pension benefits to become the reference even when a person insured number is wrong by displaying the pension benefits from age 60 to age 65. SOLUTION: This system is composed of an editing terminal 1 for inputting the retrieval conditions of the person insured and pension calculation conditions, person insured information database 2 storing person insured information, pension information database 3 storing information on the pension, person insured data acquiring part 4 for acquiring the person insured information and the pension information on the basis of the inputted retrieval conditions, and pension/lump-sum money calculating part 5 for calculating the pension and lump-sum money on the basis of the acquired person insured information and pension information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a pension receipt amount calculation system and a pension receipt amount calculation method, and more particularly to a pension receipt amount calculation system and a pension receipt amount calculation for virtually calculating a pension receipt amount and a lump sum based on payment results. About the method.

[0002]

2. Description of the Related Art Conventionally, an arrangement has been made such that a pension amount is calculated by inputting an insured person number, and the calculated pension amount is displayed.

[0003]

However, since the prior art does not correspond to the range of the pension receiving start age from 60 years old to 65 years old, only the pension receiving amount at the pension receiving starting age of a single year is displayed. However, there is a problem that the pension received amount cannot be compared and referenced for each pension receiving start age, and the pension received amount is not displayed if the insured person number is incorrect, so that the pension received amount cannot be referenced.

[0004] The present invention has been made in view of the above-mentioned problems, and an object of the present invention is to make a pension receiving age range from 60 to 65 years old, and a pension of 60 to 65 years old. By displaying the amount of pension received at the age of the start of receiving pensions, it is possible to compare and refer to the amount of pension received for each age at the start of receiving pensions. An object of the present invention is to provide a pension receipt amount calculation system and a pension receipt amount calculation method capable of referring to a certain pension receipt amount.

[0005]

Means for Solving the Problems In order to solve the above problems, the present invention has the following constitution. The gist of the invention described in claim 1 is to use an insured person database in which insured person information relating to an insured person is stored and a pension information database in which pension information relating to calculation of a pension receipt amount is stored. A pension amount calculation system for calculating the pension amount of the insured person, wherein the insured number, name,
Search condition input means for inputting the date of birth and the type of pension received, and the insured person database stored based on the insured number, the name and the date of birth input by the search condition input means Insured person information identifying means for identifying the insured person information, and an insured person acquiring the insured person information of the insured person identified by the insured person information identifying means from the insured person database Information acquisition means, pension information acquisition means for acquiring the pension information based on the received pension type inputted by the search condition input means from the pension information database, and the pension information acquired by the insured person information acquisition means. Pension receiving amount calculating means for calculating the pension receiving amount based on insurer information and the pension information obtained by the pension information obtaining means; Pension received amount display means for displaying the pension received amount calculated by the received amount calculating means, and the pension information database stores the pension information relating to the calculation of the pension received amount for each receiving start age. The pension receipt amount calculating means is configured to calculate the pension receipt amount for each receiving start age. Further, the gist of the invention according to claim 2 is provided with a price slide index input means for inputting a price slide index, wherein the pension receipt amount calculation means includes the insured person information acquired by the insured information acquisition means. 2. The pension according to claim 1, wherein said pension receipt amount is calculated based on said pension information obtained by said pension information obtaining means and said price slide index inputted by said price slide index input means. Exist in the receiving amount calculation system. The gist of the invention according to claim 3 is that the insured person information specifying means stores the insured person information stored in the insured person database by the insured person number, the name, and the date of birth. If not specified, the name and date of birth a
3. The system according to claim 1, wherein the insured person information stored in the insured person database is specified by an nd search. The gist of the invention according to claim 4 is that the insured person information specifying means can specify the insured person information stored in the insured person database by the and search for the name and the date of birth. 4. If there is no insured person, the insured person information stored in the insured person database is specified by or search of the name and the date of birth. In the pension receipt amount calculation system. Further, the gist of the invention according to claim 5 is that, while storing insured person information relating to the insured person, storing pension information relating to calculation of the amount of pension received, the insured person information and the pension information A pension receiving amount calculation method for calculating the pension receiving amount of an insured person, wherein the pension information relating to the calculation of the pension receiving amount for each receiving start age is stored, and the insured person number, name, date of birth are stored. And the type of pension received, specify the insured number, the name and the date of birth, and specify the stored insured information based on the date of birth. Acquiring the insured person information, acquiring the pension information based on the input received pension type, and acquiring the pension information based on the acquired insured person information and the acquired pension information for each of the receiving start ages. Pension amount Calculated consists in pension amount calculation method characterized by displaying the pensioner amount thus calculated. The gist of the invention described in claim 6 is to input a price slide index,
The pension receipt amount is calculated based on the acquired insured person information, the acquired pension information, and the inputted price slide index.
The method of calculating the amount of pension received is as described. The gist of the invention according to claim 7 is that if the stored insured person information cannot be specified by the insured person number, the name and the date of birth, the name and the date of birth 7. The pension amount calculation method according to claim 5, wherein the stored insured person information is specified by a date and search. The gist of the invention according to claim 8 is that, when the stored insured person information cannot be identified by the and search for the name and the date of birth, the name and the date of birth are not identified. The pension receipt amount calculation method according to any one of claims 5 to 7, wherein the stored insured person information is specified by an OR search.

[0006]

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

FIG. 1 is a block diagram showing a configuration of an embodiment of a pension receipt amount calculation system according to the present invention. FIG. 2 is a diagram showing a file configuration of an insured person file shown in FIG. FIG. 3 is a diagram showing a file structure of the insured person payment result file shown in FIG. 1, FIG. 4 is a diagram showing a file structure of the annuity simple money file shown in FIG. 1, and FIG. FIG. 6 is a diagram showing a file structure of a lump sum single-money file shown in FIG. 6, FIG. 6 is a diagram showing a file structure of a payment rate file shown in FIG. 1, and FIG. FIG. 3 is a block diagram showing the configuration of FIG.

In this embodiment, an editing terminal for inputting search conditions such as "insured person number", "name" and "date of birth" of an insured person and pension calculation conditions, and displaying a pension calculation result. 1, an insured person information database 2 in which insured person information is stored, a pension information database 3 in which pension information is stored, and an insured person database based on search conditions and pension calculation conditions input from the editing terminal 1. Insured person data acquisition unit 4 for acquiring insurer information and pension information
And an annuity / lump sum calculation unit 5 that calculates a pension and a lump sum based on the insured person information and the pension information acquired by the insured data acquisition unit 4.

The editing terminal 1 is a terminal such as a computer having an input means such as a keyboard and a display means such as a display, and the "insured person number", "name" and "name" of the insured person input from the input means. The “birth date” and the “type of pension received” are used as search conditions, and the “price slide index” is transmitted to the insured person data acquisition unit 4 as a pension calculation condition, and is calculated by the pension and lump sum calculation unit 5. The calculation results of the pension and the lump sum are displayed on the display means as a pension calculation result.

The insured person information database 2 includes an insured person file 21 and an insured person paid result file 22. The insured person file 21 includes "insured person number" and "insured person number" as shown in FIG. Name, date of birth, date of joining, total amount paid, number of months paid, and number of special months are stored in the horizontal direction. 22 is "insured person number" as shown in FIG.
A "name", "payment date", and "payment amounts 1 to n" are stored in the horizontal direction.

The pension information database 3 is composed of an annuity payment file 31, a lump sum payment file 32, and a payment rate file 33. The annuity payment file 31 has a date of birth as shown in FIG. 60 years old to 6 years included
The "receipt amount of money" for each pension receiving start age of 5 years or older is stored in a horizontal direction, and the lump sum money file 32 stores "payment year" for each "year of payment" as shown in FIG. The payment amount file 33 is stored for each payment period.
As shown in FIG. 6, "birth year" and "payment rate" from 60 to 65 years are arranged in the horizontal direction.

[0012] The insured data acquisition unit 4 receives the search condition and the pension calculation condition from the editing terminal 1, the input condition receiving unit 41, and the insured information database 2 based on the search condition from the editing terminal 1. The insured person information database search unit 42 to be searched, the insured person information extraction unit 43 that randomly extracts the insured person information searched by the insured person information database search unit 42, and search conditions from the editing terminal 1. And an annuity information database search unit 44 for searching the annuity information database 3 based on.

The input condition receiving section 41 receives the search condition and the pension calculation condition from the editing terminal 1, and converts the “insured person number”, “name” and “birth date” of the searched condition into the insured person. Output to the information database search unit 42,
The “pension type” in the search conditions and the “price slide index” in the pension calculation conditions are output to the pension information database search unit 44.

The insured person information database search unit 42
The insured person information database 2 is searched based on the “insured person number”, “name”, and “birth date” in the search conditions to identify the insured person, and the identified insured person is classified by year and month. The insurance payment amount, that is, the “payment date” and “payment amounts 1 to n” are obtained from the insured person payment result file 22, and the “birth date” is obtained from the insured person file 21 and obtained. The “payment date”, “payment amounts 1 to n” and “birth date” of the insured person are output to the insured person information extracting unit 43 as insured person information. In addition, when a plurality of insured persons are specified by the search condition input from the editing terminal 1, the insured person information database search unit 42 extracts the insured person information of the specified plurality of insured persons. get.

When the number of insured persons specified by the insured person information database searching unit 42 is less than a predetermined number, the insured person information extracting unit 43 searches the insured person information database searching unit 42. The insured person information of the insured person obtained by
If the number of insured persons specified by the insured person information database search unit 42 is equal to or greater than a predetermined number, the plurality of insured persons acquired by the insured information database search unit 42 are output. From the insured person information of the insured person, the insured person information of a predetermined number of insured persons determined at random is extracted and output to the pension information database search unit 44.

The pension information database search unit 44 includes “recipient pension type” in the search conditions and the insured person information extraction unit 4.
"Payment date", "Payment amount 1 to n" of the insured person from 3
And the "date of birth", the pension information database 3
Is searched, and pension unit money files 31 to 6 are used as pension information.
From the lump-sum payment file 32, the "payment amount per payment period" is calculated from the lump sum payment file 32, and from the payment rate file 33, from the age of 60 to 65 years old. The “payment rate” is acquired, and the acquired pension information, the insured person information from the insured person information extraction unit 43, and the “price slide index” from the editing terminal 1 are calculated by the pension and lump sum calculation unit 5. Output to

The pension and lump sum calculation unit 5 includes pension information from the pension information database search unit 44, insured person information,
The pension receipt amount and the lump sum are calculated based on the “price slide index”, and the calculated pension receipt amount and the lump sum are output to the editing terminal 1.

Next, the operation of the embodiment will be described with reference to FIGS.
This will be described in detail with reference to FIG. FIG. 8 is a flowchart for explaining the operation of the embodiment of the pension receipt amount calculation system according to the present invention. FIG. 9 shows an example of the receipt amount display screen displayed on the display screen of the editing terminal shown in FIG. FIG.

The operator inputs "insured number", "name" and "date of birth", "type of pension received", and "price index" from the editing terminal 1 as search conditions and pension calculation conditions. Then, the input search conditions and pension calculation conditions are transmitted to the insured data acquisition unit 4.

The input condition receiving unit 41 of the insured data acquisition unit 4 converts the “insured number”, “name” and “birth date” of the search conditions from the editing terminal 1 into an insured information database. In addition to the output to the search unit 42, the “receipt pension type” of the search conditions and the “price slide index” of the pension calculation conditions are output to the pension information database search unit 44.

The insured person information database search unit 42
First, the insured person file 21 is searched based on the search condition “insured person number” (S801), and it is determined whether the corresponding insured person exists (S802). If the corresponding insured person exists, it is determined whether the “name” and “birth date” of the search condition are the same as the “name” and “birth date” of the insured file 21 ( S803) If both are the same, the “payment date” and “payment amount 1 to n” are obtained from the insured person payment result file 22 and the “birth date” is obtained from the insured person file 21. It acquires (S804), outputs the acquired “payment date”, “payment amount 1 to n” and “birth date” to the insured person information extracting unit 43 as insured person information, and The insured person information extracting unit 43 outputs the insured person information from the insured person information extracting unit 43 to the pension information database searching unit 44 as it is because the identified insured person is one.

The pension information database search unit 44 includes the “recipient pension type” in the search conditions and the insured person information extraction unit 4.
"Payment date", "Payment amount 1 to n" of the insured person from 3
And the "date of birth", the pension information database 3
Is searched, and pension unit money files 31 to 6 are used as pension information.
From the lump-sum payment file 32, the "payment amount per payment period" is calculated from the lump sum payment file 32, and from the payment rate file 33, from the age of 60 to 65 years old. The “payment rate” is acquired (S805), and the acquired pension information, the insured person information from the insured person information extracting unit 43, and the “price slide index” from the editing terminal 1 are retired and lump sum. Output to the calculation unit 5.

The pension / lump-sum payment calculation unit 5 includes pension information from the pension information database search unit 44, insured person information,
Based on the “price slide index”, the pension receipt amount and the lump sum for the target age at the age of 60 to 65 are calculated (S806), and the calculated pension receipt amount and the lump sum are stored in the editing terminal 1. Then, the editing terminal 1 displays the pension receipt amount and the lump sum calculated by the pension / lump sum calculation unit 5 on a receipt amount display screen as shown in FIG. 9 (S807). Note that FIG.
In the received amount display screen shown in, the column of the insured person number,
The input data is displayed as it is in the insured person's name column, the date of birth, the column of the type of pension received, and the column of the price slide index. The pension / lump sum calculated by the pension / lump sum calculation unit 5 and the lump sum are displayed in the money column.

In step 802, when there is no corresponding insured person number, in step 803,
If the “name” and “birth date” of the search condition are not the same as the “name” and “birth date” of the insured person file 21, the insured person information database search unit 42
The insured person file 21 is AND-searched based on “name” and “birth date” (S808), and
Even when there is no insured person number, a search in which the target insured person is narrowed down is performed.

Next, the insured person information database search unit 4
No. 2 determines whether or not the corresponding insured person exists (S809). If there is such an insured,
Insured payment results file 22 for each identified insured
, The “payment date” and the “payment amount 1 to n” are obtained from the insured person file 21, and the “birth date” is obtained from the insured person file 21 (S 810).
The “payment amounts 1 to n” and “birth date” are output to the insured person information extracting unit 43 as insured person information.

When the number of insured persons specified by the insured person information database searching unit 42 is less than a predetermined number, the insured person information database searching unit 42 The insured person information of the insured person obtained by
If the number of insured persons specified by the insured person information database search unit 42 is equal to or greater than a predetermined number, the plurality of insured persons acquired by the insured information database search unit 42 are output. The insured person information of a predetermined number of insured persons randomly extracted from the insured person information of the insured person is output to the pension information database search unit 44 (S811), and the processing from step 805 is performed. Is performed, and the pension received amount and the lump sum for each insured person specified by the insured person information database searching unit 42 or extracted by the insured person information extracting unit 43 are displayed on the editing terminal 1.

In step 809, if the corresponding insured person does not exist, the insured person information database search unit 42 searches the insured person file 21 based on "name" and "date of birth". If there is no insured person number by or search (S812), a related insured person is searched for even if "name" and "birth date" are incomplete. Thereafter, the processing from step 810 is performed, and the pension received amount and the lump sum for each insured person specified by the insured person information database searching unit 42 or extracted by the insured person information extracting unit 43 are displayed on the editing terminal 1. Is done.

Steps 808 and 81
2, when a plurality of insured persons are specified, and when the specified pension amount and lump sum of the insured persons are displayed on the editing terminal 1, a message notifying that the plurality of insured persons has been specified; By displaying ancillary information such as the “insurance date” and “total payment amount” of the specified insured person, which is not specified by the individual, the information similar to the operator's own information can be edited. It becomes possible to specify the terminal 1.

As described above, according to the present embodiment, the pension receiving age at the age of 60 to 65 years old is set to correspond to the range of the pension receiving age from 60 to 65 years old. By displaying, the pension amount can be compared and referenced for each pension starting age, and even if the insured person number is incorrect, the reference pension amount is displayed, so it is possible to refer to the reference pension amount. It has the effect of being able to.

It should be noted that the present invention is not limited to the above embodiments, and each embodiment can be appropriately modified within the scope of the technical idea of the present invention. Further, the number, position, shape, and the like of the constituent members are not limited to the above-described embodiment, but can be set to numbers, positions, shapes, and the like suitable for carrying out the present invention. In the drawings, the same components are denoted by the same reference numerals.

[0031]

The pension receiving amount calculation system and the pension receiving amount calculating method according to the present invention correspond to the range of the pension receiving start age of 60 to 65 years old, and the pension receiving start age of 60 to 65 years old. By displaying the pension received amount, it is possible to compare and refer to the pension received amount for each pension receiving start age, and even if the insured person number is wrong, the reference pension received amount is displayed, so the reference pension received amount is displayed. This has the effect that reference can be made.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an embodiment of a pension receipt amount calculation system according to the present invention.

FIG. 2 is a diagram showing a file configuration of an insured person file shown in FIG. 1;

FIG. 3 is a diagram showing a file configuration of an insured person payment result file shown in FIG. 1;

FIG. 4 is a diagram showing a file structure of an annuity simple money file shown in FIG. 1;

FIG. 5 is a diagram showing a file structure of a lump-sum money file shown in FIG. 1;

FIG. 6 is a diagram showing a file configuration of a supply rate file shown in FIG. 1;

FIG. 7 is a block diagram illustrating a configuration of an insured person data acquisition unit illustrated in FIG. 1;

FIG. 8 is a flowchart for explaining the operation of the embodiment of the pension receipt amount calculation system according to the present invention.

9 is a diagram showing an example of a received amount display screen displayed on the display screen of the editing terminal shown in FIG. 1;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Editing terminal 2 Insured person information database 21 Insured person file 22 Insured person paid result file 3 Pension information database 31 Pension retirement money file 32 Lump-sum payment single money file 33 Payment rate file 4 Insured person data acquisition part 41 Input condition Receiving part 42 Insured person information database searching part 43 Insured person information extracting part 44 Pension information database searching part 5 Pension and lump sum calculating part

Claims (8)

[Claims] 1. An insured person database using an insured person database in which insured person information relating to an insured person is stored and a pension information database storing pension information relating to calculation of a pension receipt amount. A pension receipt amount calculation system for calculating the pension receipt amount of a person, a search condition input means for inputting an insured person number, a name, a date of birth, and a type of a pension received, and input by the search condition input means. An insured person information specifying unit that specifies the insured person information stored in the insured person database based on the insured person number, the name, and the date of birth; Insured person information acquiring means for acquiring the insured person information of the identified insured person from the insured person database, and the receiving year inputted by the search condition inputting means Annuity information acquisition means for acquiring the annuity information based on the type from the annuity information database, and the insured person information acquired by the insured information acquisition means and the annuity information acquired by the annuity information acquisition means Pension receipt amount calculation means for calculating the pension receipt amount based on the following, pension receipt amount display means for displaying the pension receipt amount calculated by the pension receipt amount calculation means, the pension information database Storing the pension information relating to the calculation of the pension receipt amount for each reception start age, wherein the pension receipt amount calculation means causes the pension receipt amount to be calculated for each reception start age. Calculation system. 2. An insured person information acquired by said insured person information acquiring means and said annuity information acquiring means, comprising: a price slide index inputting means for inputting a price sliding index; 2. The pension receipt amount calculation system according to claim 1, wherein the pension receipt amount is calculated based on the pension information obtained by the above and the price slide index input by the price slide index input means. 3. The insured person information identifying means, when the insured person information stored in the insured person database cannot be identified by the insured number, the name, and the date of birth. 3. The pension receiving amount calculation system according to claim 1, wherein the insured person information stored in the insured person database is specified by an AND search of the name and the date of birth. 4. The insured person information specifying means, when the insured person information stored in the insured person database cannot be specified by the and search for the name and the date of birth, The name and the date of birth o
The pension amount calculation system according to any one of claims 1 to 3, wherein the insured person information stored in the insured person database is specified by an r search. 5. An insured person's information on an insured person is stored, and an annuity information on a calculation of a pension receipt amount is stored, and the pension of the insured person is stored based on the insured person information and the pension information. A pension receiving amount calculation method for calculating a receiving amount, wherein the pension information relating to the calculation of the receiving amount for each receiving start age is stored, and an insured person number, a name, a date of birth and a type of receiving pension are input. Identifying the stored insured person information based on the input insured person number, name and date of birth, and acquiring the insured person information of the identified insured person Acquiring the pension information based on the received pension type, calculating the pension receipt amount for each of the receiving start ages based on the acquired insured person information and the acquired pension information. , The calculation Pension amount calculation method characterized by displaying the pensioner amount you. 6. A price slide index is input, and the pension receipt amount is calculated based on the obtained insured person information, the obtained pension information, and the input price slide index. Claim 5
The stated pension receipt amount calculation method. 7. If the stored insured person information cannot be specified by the insured person number, the name, and the date of birth, a
7. The method according to claim 5, wherein the stored insured person information is specified by an nd search. 8. If the stored insured person information cannot be identified by the and search for the name and the date of birth, the name and the date of birth may not be specified.
8. The method according to claim 5, wherein the stored insured person information is specified by a search.