JP2002007689A - System for managing property in trust or the like - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system for performing various kinds of processing on the basis of data between the truster of a main contract and a trustee and data belonging to a new trust bank by carrying out desk work by the new trust bank in place of the plural trustees of the main contract when the trustee of the main contract as an entrusted institution of property in trust or the like is to perform re-trusting to the newly established new trust bank. SOLUTION: Fund settling processing (pension expenditure money/pension supply money work), reward calculating processing, settling processing or report processing, which is the managing report of a re-trust contract as a managed or operation managed result is made into electronic data by the trustee of the re-trust contract to be entrusted with re-trust from the trustee of the main contract such as trust contract by managing or managing the operation of the property in trust or the like, and electrically sent through a computer to the trustee of the main contract or truster of the main contract with the trustee name of the main contract.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a new trust / trust management system for trust property or the like by integrating financial institutions, and more particularly, to a new trust in which a trust property or the like trust facility newly establishes a trust business. It relates to a trust property management system entrusted (re-trusted) to banks.

[0002]

2. Description of the Related Art Conventionally, mergers between banks and mergers between banks and trust banks have not been performed frequently.
The changes in management practices within each bank following the alliances and mergers / mergers were considered completely separate and internal due to the particular circumstances of each affiliated / merged financial institution. In recent years, the integration of financial institutions has been rapidly promoted,
Along with this, there is a possibility that the clerical processing method may become a problem as a versatile method. When a new trust bank is established through a business alliance and part of the operations of the existing trustee organization is transferred to the new trust bank, in foreign countries, the contract entity has been renewed for the business transferred to the new trustee organization. It is conceivable to change to another trustee.

[0003] However, in the Japanese version of the Master Trust, the contract signed by the surviving bank is changed to the existing trustee organization without changing its entity, and only the trustee work is outsourced to the new trust bank of the alliance. Is adopted.
That is, the trustee of the main contract entrusts the trust business to the new trust bank (re-trust). The new trust bank that is entrusted with the affairs will perform the affairs on behalf of the main contractor, the party to the main contract.

[0004] Therefore, it is necessary to provide a system that can manage a client, a contractor of a main contract, for each contractor of the main contract, and can act as a substitute for office work. In addition, since the contractor of the main contract, which is a customer, can conclude a contract with multiple contracting institutions under the system, the contractor of the main contract exists for one customer. Is assumed.

[0005] The conventional system based on a trust contract or the like is based on the assumption that only a customer who is a trustee of the main contract and a party such as a trust bank that is the trustee of the main contract are used. Even in the case of a trust, it is processed as a trust contract or the like in which a trust bank or the like, which is the trustee of the main contract, is a trustee, similarly to a normal contract. In this case, the trustee of the main contract, which is the trustee of the re-trust contract, will convert the business processing from the new trust bank into its own business processing, and then change the processing of the main contractor (customer)
The complicated process of submitting to the company is required. If the trustee of the re-trust contract has a plurality of trustees, a plurality of processes (systems) suitable for the processing of the trustee of the re-trust contract are required. In other words, it is necessary to centralize the management or operation management of the trust property etc. corresponding to each main contract to the trustee of the re-trust contract, and to efficiently manage the management or operation management of the trust property etc. related to the entire main contract. is there.

[0006] In the case of the applicant company, the current system holds a trustee code of the main contract in a program, and reads information obtained from the main contract as contract information by using the trustee code of the main contract to judge. . In fact, there was no generalized format for a system in which a newly established trust bank, which is the trustee of the re-trust agreement, performs business on behalf of multiple trustees of the main contract. Further, in the conventional method, there is an inherent problem that cannot be solved due to differences in forms between the companies.

[0007]

SUMMARY OF THE INVENTION The present invention relates to a method in which a trustee of a main contract, which is a trustee of trust assets and the like based on the main contract, re-trusts a newly established new trust bank, and a plurality of new trust banks are established. Acting on behalf of the trustee of the main contract, performing the affairs and performing various processing with the trustee, such as data belonging to the trustee of the main contract and the trustee based on the main contract, etc. The purpose is to provide a system based on data belonging to a new trust bank that is entrusted with affairs.

[0008]

In order to achieve the above object, a trust property management system according to the present invention comprises a trustee that is a trustee of a main contract that has received trust property, etc. from a trustee of the main contract. , A system in which all or a part of the trust business is retrusted to another trust institution, wherein the trustee of the re-trust contract for re-trusting manages or operates and manages trust property, etc. The management report of the re-trust contract, which is the result of the operation management, is converted into electronic data and transmitted to the trustee of the main contract or the trustee of the main contract through a computer using the trustee name of the main contract.

[0009] The management report of the re-trust agreement is converted into electronic data, and is named as the joint name of the trustee of the main contract and the trustee of the re-trust agreement, or the name of the trustee of the re-trust agreement through a computer. This is a configuration in which electric power is transmitted to the trustee or the contractor of the main contract. In addition, the management report of the re-trust agreement includes fund settlement processing (pension contribution / pension benefit administration),
It consists of compensation calculation processing, settlement processing, and report processing. The management report of the re-trust agreement may be transmitted to a trustee institution that is a trustee of the main contract that does not have a re-trust agreement with the new trust bank. In addition, some systems for re-trusting all or part of the trustee work to another trust organization include a new contract based on the main contract concluded between the main contractor and the main contractor. In this configuration, a consignment contract or the like concluded between the consignor of the main contract and a trustee other than the consignee of the main contract can be included.

[0010]

DESCRIPTION OF THE PREFERRED EMBODIMENTS A trust property management system according to the present invention will be described below with reference to an embodiment shown in the drawings. FIG. 1 is a configuration diagram showing the entire trust property management system of the present invention, and FIG. 2 is a diagram showing an example of customer management data and re-trust management data of the present invention. FIG. 3 is a block diagram showing a flow of an annuity contribution / pension benefit operation in the trust property management system according to the present invention, and FIG. 4 is a block diagram showing a flow of a remuneration statement preparation operation. FIG. 5 is a block diagram showing a flow of a settlement report and a report creation process.

The trust property management system 10 is a system in which a parent bank 3 as a trustee of a main contract entrusted by a main contractor as a customer attaches trust property and the like to a re-trust. When the trust assets are re-trusted from the parent bank 3 which is the trustee of the main contract, the new trust bank 5 which is the trustee of the re-trust contract
Manages reports and the like in the same format as the parent bank 3 that is the trustee of the main contract executed the management or operation management of the trust assets, etc. This is a system in which a new trust bank 5 which is a contract trustee transmits the data as electronic data to a consignee of the main contract or a trustee of the main contract through a computer. The electronic data can be provided by the Internet or recorded on a magnetic medium such as an FD and mailed.

This system is essentially a re-trust method, and is based on the premise that all or a part of the trust work is re-trusted to another trust organization. However, as a system, based on the main contract concluded between the main contractor and the main contractor, a new main contractor (customer) and a trustee other than the main contractor It can also be applied to a trust contract in the case where a trust contract etc. is concluded between.

The management data of the trustee of the re-trust agreement in the trust property management system 10 includes customer management data 12 and re-trust management data 14. Customer management data 12 which is the customer information of the trustee of the re-trust contract (new trust bank)
Consists of information belonging to the main contractor (customer),
This is common information obtained by integrating information on the trustees of a plurality of main contracts. The customer management data 12 varies depending on the individual contractor (customer) of the main contract, but as an example, the information management items include a customer number, a customer name, a settlement date, a fund manager code / report manager code, and the like.

On the other hand, the trustee of the re-trust agreement (new trust bank)
Trust management data 14 which is the trustee information of the main contract
Is data for managing information on the main contract of the parent bank, which is the trustee of the main contract and the trustee of the re-trust contract. The content includes items that cover multiple trustees of the main contract and retrust agreements based on them in parallel, such as customer numbers, retrust codes, codes that identify the trustees of the main contract, contract numbers, window numbers, etc. Consists of Therefore, the trustee of the main contract has a plurality of different main contracts as a parent bank, such as a trust bank (a trustee of a retrust agreement that enters into a retrust agreement with a new trust bank)
Even if it is concluded, the same customer number will be assigned as the customer number for re-trust management if it is the same as the consignor of the main contract. However, since the trustees of the main contract are different, a re-trust code that can identify the trustee of the re-trust contract is given separately.

In the current system, the system information (such as the secretary code) of the customer management data 12 is compared with the trustee code of the main contract in the program to determine the processing. In the system of the present invention, the processing is determined based on whether or not the system information (such as a secretary code) of the customer management data 12 exists in the entrustor code of the retrust agreement of the retrust management data 14. By adopting this method, even if another trustee of the main contract is added as a trustee of the re-trust contract in the future, by registering the re-trust management data 14 with the customer management data 12, Can be processed.

In the management of the trust property of the corporate pension, depending on the contract form between the client's main contractor and the retrustor's main contractor, the processing of the new trust bank receiving the retrust is as follows. It is necessary to change the position of the trustee of each main contract to a substitute. In other words, regarding the fund settlement process as a secretary, if the trustee of the main contract that is the retrustor is the secretary, the fund settlement process is performed as the secretary, and if the trustee of the main contract that is the retrustor is the sub-trustee. Performs a fund settlement process as a subcontract. Also, if the contractor (customer) of the main contract is the same, if there are multiple contractors of the main contract and the trustee of the re-trust contract, and one is the secretary and one is the sub-trust, Perform processing on behalf of the trustee of each main contract. In addition, remuneration calculation is performed for each trustee of the re-trust contract by a remuneration system based on each main contract, and settlement data is managed based on each main contract. The report process performs a report creation process for each trustee of the re-trust contract or for the trustees of the re-trust contract.

The management report of the retrust agreement is basically converted into electronic data and transmitted to the contractor of the main contract under the name of the trustee of the main contract. It is also possible to transmit to the contractor of the main contract by jointly using the name of the trustee of the re-trust contract. Further, it is transmitted to the main contractor or the main contractor through a computer under the sole name of the trustee of the re-trust contract. The management report of the retrust agreement can also be transmitted to the trustee that is the trustee of the main contract other than the retrustor that does not have a retrust agreement with the new trust bank.
In this connection, it is also possible to perform a report creation process in which the trustees of the main contract other than the retrustor are aggregated.

The new trust bank, the trustee of the re-trust agreement,
The client management data 12 required for each parent bank as a trustee of the main contract is managed by overwriting contract information based on re-trust management with customer management information. Note that the parent bank, the trustee of the main contract, controls the customer information and contract information based on each main contract that can be referred to each other, and controls the retrust management. Therefore, the new trust bank, which is the trustee of the re-trust agreement, manages the same kind of re-trust received from multiple trustees of the main contract (parent bank) uniformly as unified data. Management data 12 for the client (parent bank) is changed to a format required for each trustee of the main contract, and transmitted as if the trustee of the main contract (parent bank) manages the trust. You.

As shown in FIG. 3, a contractor (customer) 1 of the main contract trusts a trust property or the like with a trustee (parent bank) 3 of the main contract according to the main contract. In the flow of the pension contribution / pension benefit operation, the parent bank 3, which is the trustee of the main contract, receives an execution instruction each time a pension contribution / pension benefit is generated from a client outsourcing the general secretary business. The parent bank 3, which is the trustee of the main contract, receives the instruction and executes the receiving / paying process.
In the present invention, the trustee (parent bank) 3 of the main contract attaches the trust property and the like to the new trust bank 5 for re-trust. The trustee of the re-trust agreement (parent bank) 3 which is the trustee of the main contract
The new trust bank 5 is notified of the deposit / withdrawal instructions of the above, and the trustee of the re-trust contract (new trust bank) performs business processing based on the notification. The contact is made by data link from the viewpoint of efficiency of operation, and the customer is designated by the contract number issued by the trustee (parent bank) of the re-trust contract which is the trustee of the main contract.

[0020] The new trust bank of the trustee of the re-trust agreement has the contract number issued by the trustee of the re-trust agreement (parent bank), which is the trustee of the main contract, and the parent bank code (re-trust code) of the contacting party. ) To search the re-trust management information table and specify the customer number. It checks the fund manager code of the customer management data 12 that is the specified customer number and the parent bank code (re-trust code) of the contacting party, and checks whether the trustee of the re-trust contract has received the fund manager task. . In the case of an error (there is no trust), the error list is returned for each trustee of the re-trust contract and an inquiry is made to the trustee of the re-trust contract.

If it is determined by the check that the trustee 3 of the re-trust contract is entrusted with the fund management service, the following processing performed by the trustee 3 of the re-trust contract as the fund manager trustee is performed. Is performed on behalf of the new trust bank. First, a fund apportionment process is performed, and a fund settlement process with a trust other company / life insurance is performed. Next, the settlement notice / settlement notice statement is created with the trustee name of the re-trust contract (it is also possible to write the name of the new trust bank), and sent collectively via a computer as electronic data. Perform deposit / withdrawal processing for the fund of the trustee of the retrust agreement. However, if the trustee code exists in the re-trust management data 14 (the trustee of the re-trust contract contracts as a sub-trust) in the settlement of funds with other companies / life insurance companies, The new trust bank, the trustee of the re-trust agreement, will handle the deposit and withdrawal processing for the fund as a sub-trustee. Finally,
Customer 1 that is the contractor of the main contract and Contractor 3 of the re-trust contract
, A pension contribution / pension benefit execution report is created under the name of the trustee of the main contract (the name of the new trust bank can also be written) and sent directly to customer 1 as electronic data via a computer I do.

FIG. 4 is a block diagram showing the flow of the remuneration statement preparation work. In the calculation of the remuneration statement, the parent bank 3 that is the trustee of the main contract collects a remuneration for the customer 1 based on the main contract. The trustee (parent bank) 3 of the main contract entrusts remuneration calculation to the trustee (new trust bank) 5 of the re-trust contract. The trustee (parent bank) 3 of the main contract informs the new trust bank 5, which is the trustee of the re-trust contract, of the basic data used for calculating the remuneration when outsourcing this work. The trustee of the re-trust contract (new trust bank) 5 registers the delivered basic calculation data as electronic data. Search the created re-trust management information table and system information table,
If the contractor of the main contract is outsourcing the general secretary work, it is checked whether all the basic data registered and extracted are collected. In the case of an error (non-existent or fictitious), the error list is returned by computer for each trustee of the main contract and an inquiry is made to the trustee of the re-trust contract, which is the trustee of the main contract, to confirm the existence of the error. .

When it is determined that the check is normal, the trustee 3 of the main contract performs the following processing performed by the trustee 3 of the main contract as the general secretary trustee on the basis of the trust management information table / system information table and the basic calculation data. Is performed on behalf of the New Trust Bank 5. First, a remuneration calculation is performed to calculate a remuneration amount to be received. Next, a remuneration statement is created under the name of the trustee of the main contract, and sent directly to the customer as electronic data. The calculated remuneration will be processed by the trustee of the re-trust agreement on behalf of the customer by receiving a separately prepared payment instruction from the customer. Compensation includes business commission compensation, appropriate-year trust compensation (secretary compensation), integrated report compensation, benefit-only fund compensation, etc., and each of them performs compensation collection processing based on the main contract.

FIG. 5 is a block diagram showing a flow of a settlement report / operational asset management report creation process. The parent bank 3, which is the trustee of the main contract, prepares and reports a settlement report and an asset management report to the customer 1 entrusted with asset management based on the contract. The parent bank 3 that is the trustee of the main contract and the trustee of the re-trust contract entrusts the new trust bank 5 that is the trustee of the re-trust contract with the work of preparing the settlement report and the asset management report.

With regard to the process of preparing a settlement report and an investment management report as a secretary, if the trustee of the main contract that is the retrustor is a secretary, the secretary including the trustee of the main contract other than the retrustor is included. Creates consolidated financial statements and asset management reports, and if the trustee of the main contract that is the retrustor is a sub-trustee, reports and manages the financial results for each trustee of the re-trust agreement as a sub-trustee Perform asset management report creation processing. In the case where the main contractor (customer) is the same, if there are multiple main contractors and retrusted contractors, one is the secretary and the other is the sub-trustee, Perform processing on behalf of the trustee of each main contract. If the main contractor (customer) is the same and there are a plurality of retrustor contractors, an asset management report creation process is performed in which the plurality of retrustor contractors are aggregated.

Based on the customer management data 12, the re-trust management data 14, and the settlement information / managed asset management report information of the customer 1, the following process, which is performed by the trustee of the main contract as a trustee, is executed by the trustee of the re-trust contract. It is performed by the trust bank 5 on behalf of the trust bank. In order to identify the contractor of the main contract whose client is the output contractor based on the customer management data 12, a search is performed using the re-trust management data, and each contractor of the main contract is determined based on the settlement information / report information. In the name of the financial report
Create a report. It should be noted that the report number and the asset management report include edited and published contract numbers and window business office numbers for each main contractor.

The financial report and the asset management report are created under the name of the trustee of the main contract (or the name of the trustee or the joint name of the retrustee), and are sent to the sales office of the trustee of the main contract or to the main contractor. Is transmitted as electronic data via a computer to the client. If multiple contractors of the same main contract exist for the same contractor of the same main contract, create an investment management report that summarizes these contracts and send it as electronic data to the contractor of the main contract via computer. I do.
Also, depending on the contents of the main contract, a report is created in which the contractors of the main contract that are not the contractors of the re-trust contract are compiled, and transmitted as electronic data to the trustee of the main contract via a computer. Other reports include an “integrated report”, a “balance certificate”, a “monthly balance statement”, and the like.

Information is provided to the trustee of the retrust agreement (parent bank) by electronic transmission in the form of electronic data from a new trust bank, which is the trustee of the retrust agreement. The parent bank 3 that is the trustee of the main contract and the trustee of the re-trust agreement can basically refer to all the information of the customer 1 in which the information of the re-trust agreement exists. However, the reference range is limited, such as the information of the consignor (parent bank) of the other re-trust contract regarding the remuneration.

[0029]

As described above, according to the trust property management system according to the present invention, when a new trust bank is established through a business tie-up with a financial institution, all or part of the existing business is newly renewed. Even if transferred to a trust bank, the new trust will be a tie-up (contracted a re-trust agreement) with only the trust business, leaving the name of the trustee of the existing main contract without changing the subject of the contract for the business to be transferred. It is possible to outsource to a bank. A trust organization based on the main contract entrusts the trust business to the new trust bank (re-trust), and the new trust bank acts on behalf of the trustee of the main contract on behalf of the trustee of the main contract. A client who is a trustee of a main contract by performing business in the name of the trustee of the trust contract and transmitting the result as electronic data to a trustee of the main contract or a contractor of the main contract via a computer. The result can be easily reported.

In performing the business of the trustee of the re-trust contract, it is assumed that the trustee of the main contract has the same responsibilities as those required for the trustee of the main contract in performing the business. Whether to execute under the name of the trustee or the name of the trustee of the re-trust agreement, control individual system processing based on practical efficiency, and until now have dealt with each trustee of the main contract The affairs that were being performed can be consolidated into the trustee of the re-trust contract, and can be performed efficiently. The customer's main contractor can enter into a trust contract, etc., using multiple trustees as the main contractor under the system, so there is more than one main contractor for one customer However, there is an advantage that can be dealt with by the system. The newly established trust bank, which is the trustee of the re-trust agreement, will have to process the data in accordance with the form of the trustee of the re-trust agreement and under the name of the trustee of the re-trust agreement, so there is no need to reprocess the data. It is efficient to save.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing the entire trust property management system of the present invention.

FIG. 2 is a diagram showing an example of customer management data and retrusted trust management data of the present invention.

FIG. 3 is a block diagram showing a flow of a pension contribution / pension benefit business in the trust property management system of the present invention;

FIG. 4 is a block diagram showing a flow of a remuneration statement preparation work.

FIG. 5 is a block diagram showing the flow of a settlement report and a report creation process.

[Explanation of symbols]

1 Trustee of Main Contract (Customer) 3 Trustee of Retrust as Main Trustee (Parent Bank) 5 Trustee of Retrust (New Trust Bank) 10 Trust Property Management System 12 Customer Management Data 14 Retrust Management data

Continued on front page F term (reference) 5B049 BB47 CC11 CC36 EE01 EE05 FF02 GG04 GG07 5B055 CC04 CC05 CC10 CC13 EE02 EE04 EE05 EE21 EE27 FA01 FB03 LL11 LL15

Claims (5)

[Claims] Claims 1. In a system in which a trustee that is a trustee of a main contract that has received trust property, etc. from a trustee of the main contract, re-trusts all or part of the trust work to another trustee, The trustee of the re-trust contract that manages the trust is required to manage or operate the trust property, etc. Trust property management system characterized in that the trust is transmitted to the contractor of the main contract or the contractor of the main contract through 2. The management report of the re-trust agreement is converted into electronic data, and is named as a joint name of the trustee of the main contract and the trustee of the re-trust agreement, or the name of the trustee of the re-trust agreement through a computer. 2. The trust property management system according to claim 1, wherein the trust property is transmitted to a trustee of the main contract or a contractor of the main contract. 3. The trust according to claim 1, wherein the management report of the re-trust agreement includes fund settlement processing (pension contribution / pension benefit administration), remuneration calculation processing, settlement processing, and report processing. Property management system 4. The trust property according to claim 1, wherein the management report of the re-trust agreement is transmitted to a trustee which is a trustee of a main contract having no re-trust agreement with the new trust bank. Etc. management system 5. A system for re-trusting all or a part of the trust work to another trust institution, based on a main contract concluded between the main contractor and the main contractor. 2. The trust property management system according to claim 1, further comprising a trust agreement concluded between the trustee of the main contract and a trustee other than the trustee of the main contract.