JP2003233698A - Answer method, answer device and program for pension amount trial calculation - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To contribute to upgrade of administrative services or the like concerning pension-related inquiries. <P>SOLUTION: For an individual operator (consultor) who operates a pension amount trial calculation device 10 (kiosk terminal) for calculating the payment amount of pension, input of necessary data for the trial calculation of the pension is asked by screen displaying, an amount trial calculation server 20 performs the amount calculation of the pension based on the data inputted by the operator, and the result is answered by displaying on the kiosk terminal 10. <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 annual amount trial calculation answering method, an annual amount trial calculation answering device, and an annual amount trial calculation answering program, which allow an individual operator who pays an annuity to make an estimation of the amount of annuity. Regarding

[0002]

2. Description of the Related Art Questions and consultations related to pensions can be made by directly visiting a consultation counter such as a pension consultation room or a pension consultation service center under the jurisdiction of the Social Insurance Agency. In addition, it is also possible to make consultations by documents such as letters or by telephone. For example, when it is desired to know the amount (payment amount) of the pension, the counselor operates the computer system to make a trial calculation of the amount and returns the result to the counselor.

[0003]

[Problems to be Solved by the Invention] However, due to the increase in the number of consultations regarding pensions in recent years, the consultation service may become crowded or the telephone line may not be connected, resulting in a situation where sufficient services cannot be provided to the consultant. ing. Therefore, it is necessary to provide the consultant with sufficient service (administrative service).

[0004] From a different point of view, there is a change in the external environment for work related to social insurance, such as e-government projects, increased awareness of information disclosure, the arrival of a super-aging society, and rapid development of information technology. . On the other hand, there is a change in the internal environment, such as a sharp increase in the number of transactions per counselor. Therefore, it is necessary to provide appropriate administrative services in response to such changes in the environment.

Further, the pension to be paid in the future is of great interest to people who are currently working hard. Therefore, there needs to be easy access to information about the pensions paid.

Therefore, it is a main object of the present invention to provide an annual amount trial calculation reply method, an annual amount trial calculation reply device, and an annual amount trial calculation reply program which solve such problems.

[0007]

[Means for Solving the Problems] In view of the above problems, the inventors of the present invention have conducted diligent research, and have the consultant himself operate a device for calculating the amount of annuity. The present invention has been completed by studying whether or not the trial calculation of pension can be appropriately performed by instructing the consultant (operator). That is, the present invention provides an individual operator (consultant) who makes a trial calculation of the amount of pension to be paid by operating the annual amount trial answering device for trial calculation of the amount of pension payment. An input is displayed on the screen to prompt the user, a pension amount is calculated on the basis of the data input by the operator, and the result is displayed on the screen and / or printed and answered. Note that the "operator (individual operator)" in the claims means, for example, a counselor who has conventionally visited the consultation counter and consulted, or has consulted by telephone or letter, or a potential counselor. To do. This "operator" is not intended to exclude agents or agents.

[0008]

BEST MODE FOR CARRYING OUT THE INVENTION Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. The embodiment of the present invention is (1) the first embodiment in which the consultant can use the kiosk terminal connected to the Internet to make a trial calculation of the pension amount by himself / herself, and (2) the Internet connection. The second embodiment will be described separately by using a possible personal computer (hereinafter referred to as “personal computer”) so that the consultant can perform the trial calculation of the pension amount by himself / herself.

First Embodiment First, a consultant uses a kiosk terminal to make a trial calculation of a pension amount by himself / herself.
An embodiment will be described. FIG. 1 shows the entire annual amount trial calculation answering system to which the annual amount trial calculation answering method, the annual amount trial answering device, and the annual amount trial calculation answering program (hereinafter referred to as "annual amount trial calculation answering method") of the first embodiment are applied. It is a block diagram which shows a structure. FIG. 2 is a block diagram showing the hardware configuration of the kiosk terminal.

As shown in FIG. 1, the annual amount trial calculation answering system to which the annual amount trial calculation answering method or the like is applied includes a kiosk terminal 10 installed in a municipal facility G such as a government office and an amount trial calculation server 20 of the pension payment system. It has a configuration connected via the Internet. In addition, the trial calculation server 20
It is connected to the beneficiary DB 40 via a SOLS (social insurance online system) 30 provided in the pension payment system. There are many kiosk terminals 10.

[Kiosk Terminal] The kiosk terminal (annual amount trial calculation answering device) 10 will be described. The kiosk terminal 10 shown in FIG. 1 is installed in a place where general visitors (consultants) other than the staff enter, such as a hall or lobby of the municipal facility G such as a public office, and the consultant himself / herself who tries to calculate the pension amount. Is designed to operate. And the kiosk terminal 10
Is a role of prompting for input of data necessary for trial amount calculation, a role of receiving the input of the data, a role of transmitting the input data to the trial amount calculation server 20, a role of receiving the result of the trial calculation of the trial amount calculation server 20, It has a role of displaying the received result of trial calculation on the screen.

In order to realize this role, as shown in FIG. 2, the kiosk terminal 10 includes a control device 11 and a storage device 1.
2, input device (input means) 13, display device (screen) 1
4, the printing device 15, the IC card reader 16, the communication control device 17, etc. are connected to the bus 18.

The control device 11 includes a CPU (Central Process).
sing unit) and RAM (Random Access Memory) and the like, and in addition to the operating system, a trial calculation program and an authentication program, which are user programs for realizing the role of the kiosk terminal 10, are deployed and activated. ing.

The storage device 12 is composed of a hard disk or the like, and stores various programs such as an operating system and a trial calculation program, and various data. In addition, data to be displayed on the screen is also stored. The input device 13 is composed of a keyboard and a touch panel, and can be operated by a consultant to input various data. The display device 14 is composed of a monitor such as a CRT and a liquid crystal, and displays various information on the screen. The printing device 15 is a device that outputs information on paper.
The IC card reader 16 is a device for reading the contents of the IC card. The communication control device 17 is composed of a modem or the like and is a TCP / IP (Transport Control Protocol / Inter
It has a function to communicate by net protocol).

The data (the format of the data transmitted to the trial amount calculation server 20) that the consultant is prompted to input in the first embodiment is illustrated in Table 1 below. In this example, the data that is requested to be entered is the type of data such as hope, schedule, and prospect, which changes depending on the mood and circumstances of the individual at that time, and also changes as a parameter for the amount trial calculation. Not data.

[0016]

[Table 1]

The more detailed functions of the kiosk terminal 10 will be clarified in the description of the operation performed with reference to FIG. 1 and FIG.

[Amount Trial Calculation Server] The amount trial calculation server 20 will be described. The amount trial calculation server 20 shown in FIG. 1 is a kiosk terminal 1.
Role to receive the data transmitted from 0, role to authenticate the consultant, role to access the beneficiary DB40 via SOLS30 to obtain other data necessary for trial calculation of pension amount, pension based on both data And has a role of transmitting the result of the trial amount calculation to the kiosk terminal 10 via the Internet.

Therefore, the amount trial calculation server 20 shown in FIG.
Has a configuration in which a control device, a storage device, an input device, a display device, a communication control device, and the like (not shown) are connected to a bus (not shown).

The control device is composed of a CPU, RAM, etc., and in addition to the operating system, the kiosk terminal 1 connected via the Internet.
A program for transmitting and receiving various data to and from 0, a program for authenticating the consultant, a program for accessing the beneficiary DB 40 via the SOLS 30, a program for calculating the amount of money (a means for calculating the amount of money), etc. are developed and activated. is doing.

The storage device is composed of a hard disk and the like, and stores various programs such as an operating system and various data. For example, the “slide rate” described below, which is necessary for trial calculation of pension amount.
Etc. are remembered. Further, an authentication DB and the like used when authenticating the consultant are also stored. The communication control device is composed of a router and the like, and TCP / IP
Communication is realized.

More detailed functions of the trial amount calculation server 20 (functions such as a program for performing trial amount calculation) are shown in FIG. 1 and FIG.
It will be clarified at the time of the operation description with reference to the above.

[SOLS, Beneficiary DB] SOLS30
Is a system for the trial amount calculation server 20 to access the beneficiary DB 40. The beneficiary DB 40 is, for example, a database having a format as shown in Table 2 below.

[0024]

[Table 2]

[Amount Trial Calculation Operation] Next, the amount trial calculation operation in the first embodiment, that is, the operation such as the annual amount trial calculation reply method will be described with reference to FIGS. 1 to 5, Tables 1 and 2. . The numbers with S such as S1, S2 ... In the following description are step numbers in FIG. In addition, FIGS. 3 and 4 referred to in the following description are diagrams showing an example of a screen displayed on the kiosk terminal along the flow of processing (screen transition diagram).
Is. FIG. 5 is an enlarged view of the screen shown in FIG.

First, a consultant who is going to make a trial calculation of the amount of pension visits the municipal facility G (S1). The consultant stands in front of the kiosk terminal 10 installed in the municipal facility G. Then, the screen (general menu screen) shown in FIG. 3A is displayed. By the way, the kiosk terminal 10 does not only calculate the pension amount, but also various inquiries, sports information,
Information such as event information and consultation information is displayed.

Here, when the consultant selects No. 7 "Consultation guide", the screen (consultation guide menu screen) shown in FIG. 3B is displayed, and when No. 6 "Pension consultation" is selected, the screen is displayed. The screen (pension consultation menu screen) shown in 3 (c) is displayed. The number is selected by the consultant himself / herself by operating the keyboard or touch panel (input device 13).

When the first item "Inquiry about expected pension amount" is selected on the pension consultation menu screen shown in FIG. 3 (c), the screen (IC card reading screen) shown in FIG. 3 (d) is displayed. You will be prompted to insert the card. IC card possessed by the consultant (IC card distributed in advance)
Is inserted into the IC card reader 16 of the kiosk terminal 10 (S2). Then, the screen (password input screen) shown in FIG. 3E is displayed, and the input of the password is prompted. The consultant operates the numeric keypad displayed on the touch panel to input the personal identification number and presses the "confirm" button. Then, the authentication data such as the personal identification number is transmitted to the trial amount calculation server 20 (S3), and the authentication is performed. This kiosk terminal 10 is I
Since the C card is used for authentication, the security is high, and it is possible to prevent access by unauthorized third parties to highly confidential data such as the amount of pension payments. Incidentally, the authentication data in the present embodiment corresponds to “data capable of specifying the target person of the pension amount trial calculation” in the claims.

When authenticated, data for confirming the consultant is transmitted from the trial amount calculation server 20, and the screen (personal information confirmation screen) shown in FIG. 3 (f) is displayed on the kiosk terminal 10 (S4). . The consultant (Kentaro Taro) presses the "Yes" button if there is no mistake when looking at the screen display. Then, the screen (benefit selection screen) shown in FIG. 4A is displayed on the kiosk terminal 10.

The consultant is prompted by an instruction on the screen to select a desired pension payment pattern. The options here are
As indicated by numbers 1 to 4 on the benefit selection screen of (a),
There are four. The first item, “Original payment,” is the case where the old-age basic pension from the age of 65 is advanced and received without reduction. Two
The number "Full advance payment" refers to the case of receiving the full amount of the old-age basic pension from the age of under 65. The third item, "Partial Advancement Payment," is the case of receiving part of the old-age basic pension from under the age of 65. No. 4 "Deferred payment" is for people over 65 (7
This is the case when receiving the old age basic pension from 0 years old or younger). It should be noted that “to receive” includes the meaning of “to request payment” and “to request payment”.

Here, the consultant selects No. 2 "payment advance payment", and therefore selects No. 2 on the touch panel. Then, the screen (retirement plan input screen) shown in FIG. 4B is displayed. The consultant inputs the planned retirement month as the planned retirement date. Here, "August 2001",
I am inputting on a monthly basis. After entering the planned retirement month, the consultant presses the "Confirm" button. Note that data input and button pressing (selection) are performed by the display device 14 of the kiosk terminal 10.
It can be performed by operating the touch panel as the input device 13 provided in the.

Next, the kiosk terminal 10 is shown in FIG.
The screen shown in (the salary forecast input screen) is displayed. The consultant inputs the expected salary (monthly salary) until retirement. Here, "345,000 yen" is entered in units of 1,000 yen.
After entering, the consultant presses the "confirm" button.

Next, in the kiosk terminal 10, as shown in FIG.
The screen (advanced age input screen) shown in is displayed. The consultant inputs the advanced age. Here, "60 years old 06
"Month" is entered on a monthly basis (the consultant is under the age of 60). After entering, the consultant presses the "confirm" button. The advance age input screen of FIG. 4 (d) is displayed as an optional input screen, and the pension payment pattern is set to “original payment” or “lower payment” on the benefit selection screen of FIG. 4 (a). If you do not see. By the way, Figure 4
When the pension payment pattern is set to “deferred payment” on the screen of (a), a screen for inputting the deferred age is displayed.

When the advanced age is input, it means that the data necessary for the trial calculation of the pension amount have been input. In this example, the pension payment pattern, planned retirement month, planned salary until retirement, and advanced age are data (input data) necessary for trial calculation of the pension amount (see Table 1). By the way,
These data are data of the kind, hope, and prospect of the consultant, and are not stored in the beneficiary DB 40.

When the advance age is input in FIG. 4D and the "confirm" button is pressed, the screen (input content confirmation screen) shown in FIG. 4E is displayed. The consultant presses the "confirm" button after confirming that the input contents are correct. By the way, if you make a mistake, press the "No" button. Then,
The input data can be modified.

When the "confirm" button is pressed in FIG. 4 (e), the input data is sent to the trial amount calculation server 20 via the Internet (S5). It should be noted that the input data to be transmitted is attached with data for specifying the kiosk terminal 10 and data for specifying a consultant (data for specifying an inquiry case). In the present embodiment, the input data are collectively transmitted to the trial amount calculation server 20, but they may be individually transmitted.

Upon receiving the input data, the trial amount calculation server 20 searches the beneficiary DB 40 via the SOLS 30 to obtain other data necessary for trial calculation of the pension amount of the consultant. Then, the pension amount of the consultant is estimated. Beneficiary DB 40 format (fields and records)
Is as shown in Table 2. The method of trial calculation will be described in detail in a second embodiment described later.

The trial amount calculation server 20 calculates the pension amount of the consultant based on the input data from the kiosk terminal 10 and other data obtained through the SOLS 30, and transmits the result to the kiosk terminal 10 (S6). ). Kiosk terminal 1
When 0 receives the result of the trial amount calculation, it displays the screen (annual amount trial calculation result output screen) shown in FIG.

FIG. 5 is an enlarged view of the annual amount trial calculation result output screen of FIG. 4 (f). This screen corresponds to the data entered by the consultant "Example of trial calculation" is displayed on the screen. If necessary, press the "Print" button to print the printer 15 of the kiosk terminal 10.
The screen contents will be printed out from. The trial calculation can be repeated many times.

According to the first embodiment described with reference to FIG. 1 and FIG. 3, the counselor is prompted by the screen display of the kiosk terminal 10 to input data, and the counselor's hand is required. The pension amount can be calculated freely without borrowing, which is very convenient for the consultant (that is, the kiosk terminal 10 can be used for the amount calculation consultation). Also,
The items of data to be prompted are also limited, and the consultant only has to enter his / her desired / planned / promising data, and need not enter any other data. Therefore, it is very convenient for the consultant. Also, there is no need to line up at a busy consultation desk. Also, during lunch breaks, the number of counselors may decrease and the counseling service may be suspended.
Consultation by the kiosk terminal 10 (consultation of trial calculation) can always receive services under stable conditions.

On the other hand, the administration does not need to increase the number of counselors even if the number of consultations for annual amount trial calculation increases. Conversely, it is possible to reduce the number of counselors. Further, the space for installing the kiosk terminal 10 can be much smaller than the space for installing the consultation counter. Therefore, compared to the case where a consultation counter is provided, it is possible to reduce the space cost. The kiosk terminal 10 is a convenience store, supermarket, station, financial institution, post office,
It can be installed in any place, such as a resident center or a company employee cafeteria. Further, according to the first embodiment,
The number of treatments per counselor can be made appropriate. In addition, since the counselor required for calculating the annual amount can be referred to other counseling cases, it is convenient for the administration to reallocate personnel (effective use of human resources). In addition, it will be possible to appropriately deal with the problems of changes in the external environment and changes in the internal environment for work related to social insurance.

<< Second Embodiment >> Next, a second embodiment will be described in which a consultant uses a personal computer capable of connecting to the Internet to make a trial calculation of the pension amount by himself / herself. The first
The same parts as those in the embodiment are designated by the same reference numerals as those in the first embodiment, and the description thereof will be omitted. In the figure referred to in the second embodiment, FIG. 6 is a block diagram showing the overall configuration of the annual amount trial calculation reply system to which the annual amount trial calculation reply method of the second embodiment is applied.

As shown in FIG. 6, the annual amount trial calculation answering system to which the annual amount trial calculation answering method and the like are applied is composed of a personal computer terminal 10A installed in a company or a home (hereinafter referred to as "home") and a pension payment system. The web server 50 has a configuration in which it is connected via the Internet. There are many personal computer terminals 10A. Further, as shown in FIG. 6, in the pension payment system, the Web server 50
Is connected to the amount trial calculation server 20. In addition, the trial amount calculation server 20 receives the beneficiary DB 4 via the SOLS 30.
It is connected to 0.

[Personal Computer Terminal] The personal computer terminal 10A will be described. The personal computer terminal 10A shown in FIG. 1 is installed, for example, at home, and is operated by a consultant who is trying to calculate the pension amount. And personal computer terminal 10
A is a role of urging input of data required for trial calculation (that is, a role of displaying screen data transmitted by the Web server 50), a role of receiving input of data required for trial calculation,
A role of transmitting the input data to the Web server 50,
The terminal device has a role of receiving the result of the trial amount calculation transmitted by the Web server 50, a role of displaying the received result of the trial amount calculation on the screen, and the like.

To realize this role, the personal computer terminal 1
0A has the same configuration as the kiosk terminal 10 shown in FIG. That is, although not shown, a control device, a storage device, an input device (input means), a display device (screen), a printing device, an IC card reader, a communication control device, etc. are connected to the bus.

A program (browser program) having a function of connecting to the Internet to obtain information of the Web server 50 and transmitting information to the Web server, an authentication program, and the like are developed in the control device. -It is running. The browser program is HTT
P (Hyper Text Transfer Protocol) file transfer function, HTML (Hyper Text Markup Languag)
Reproduce the layout according to the tags in e), and
It is a program for browsing the Internet, which has a function of reproducing moving pictures, sounds and the like.

By the way, this personal computer terminal 10A has a W
It has a function as an eb client. More detailed functions of this personal computer terminal 10A are shown in FIG. 6 and FIG.
It will be clarified at the time of the operation description with reference to the above.

[Web Server] The Web server 50 will be described. The Web server 50 shown in FIG. 6 is the personal computer terminal 1
The role of receiving the data transmitted from 0A, the role of transferring the received data to the trial calculation server 20, the role of transmitting the result of the trial calculation to the personal computer terminal 10A, the personal computer terminal 1
It has a role of transmitting screen data (Web page) to be displayed on the personal computer 0A, a role of transmitting a small program called an applet activated by the personal computer terminal 10A to the personal computer terminal 10A, a role of authenticating a consultant, and the like. The applet here is a program used to display a graph described later on the personal computer terminal 10A.

Therefore, the Web server 50 shown in FIG.
Has a configuration in which a control device, a storage device, an input device, a display device, a communication control device, and the like (not shown) are connected to a bus (not shown).

The control device of the Web server 50 is composed of a CPU, a RAM, and the like.
A program (Web server program) having a function of transmitting various information to the eb client (personal computer terminal 10A), and data (input data) received from the personal computer terminal 10A by CGI (Common Gateway Interface) processing are handed over to the trial calculation server 20. A program that has a (send) function has been deployed and started. Note that C
GI is an HTM in the system of the Web server 50.
Start an external program from L and send the result to the Web.
This is a function for returning to the client (personal computer terminal 10A), and a dynamic W that cannot be described only in HTML.
An eb page can be created. Specifically, CG
If I processing is used, the data of the form entered by the consultant by operating the personal computer terminal 10A is calculated by the trial calculation server 20A.
It is possible to read it to the user side or change the contents of the screen display of the personal computer terminal 10A and its response according to the instruction from the consultant.

The storage device is composed of a hard disk and the like, and stores various programs such as an operating system and various data. For example, Web page data written in HTML for prompting the consultant to input data for performing the trial calculation of the annual amount, and for providing the consultant with a reply for the trial calculation of the annual amount are also stored. Furthermore, an applet (a small program that is activated by the control device of the personal computer terminal 10A and creates a graph) to be transmitted to the personal computer terminal 10A is stored. The communication control device has a router for the Internet and a LAN board for communication with the trial amount calculation server 20A.

The more detailed functions of the Web server 50 will be clarified in the operation description with reference to FIGS. 6 and 7.

[Amount Trial Calculation Server] The amount trial calculation server 20A
The role of receiving the data transmitted from the personal computer terminal 10A via the Web server 50, the role of accessing the beneficiary DB 40 via the SOLS 30 to obtain other data necessary for trial calculation of the pension amount, based on both data It has a role to calculate the pension amount.

Therefore, the amount trial calculation server 20A shown in FIG.
Has a configuration in which a control device, a storage device, an input device, a display device, a communication control device, and the like (not shown) are connected to a bus (not shown).

In addition to the operating system, the controller of the trial calculation server 20A has a program for transmitting and receiving data to and from the Web server 50, a program for accessing the beneficiary DB 40 via the SOLS 30, and a program for trial calculation (preliminary trial calculation). (Means to do) are deployed and activated. The more detailed functions of the Web server 50 are as follows.
This will be clarified when the operation is described with reference to FIGS. 6 and 7.

[SOLS, Beneficiary DB] SOLS30
Since the beneficiary DB 40 is the same as that of the first embodiment, the description thereof will be omitted.

[Amount Trial Calculation Operation] Next, the amount trial calculation operation in the second embodiment, that is, the operation such as the annual amount trial calculation answer method will be described with reference to FIGS. 6 to 11, Tables 1 and 2. .
The numbers with S such as S11, S12 ... In the following description are step numbers in FIG. Further, FIGS. 7 and 8 referred to in the following description are diagrams showing an example of a screen displayed on the personal computer terminal along the flow of processing (screen transition diagram). FIG. 9 is an enlarged view of the screen of the comparison table for each supply pattern in FIG. 8C.

First, the counselor (Pension Taro) who intends to calculate the pension amount operates the personal computer terminal 10A at home, for example, to start the procedure through the Internet (S1).
1). The screen (pension homepage) shown in FIG. 7A is displayed on the personal computer terminal 10A. By the way, this website has buttons for accessing topics, basic knowledge of pensions, and consultation counter guidance, as well as trial calculation of pension amount. If you select "Pension Q &A", the screen shown in Fig. 7 (b) will be displayed,
You will be prompted to set it in the C card reader. When the IC card is set, the screen shown in Fig. 7 (c) is displayed.
The information stored in the IC card is read (S1
2).

When read, the screen shown in FIG. 7D is displayed, and the Web server 50 requests the input of the password (S13). The consultant inputs the password when prompted by the screen display (S14). When the password is entered, the password is sent to the web server 50 and authentication is performed. During the authentication, the screen shown in FIG. 7E is displayed on the personal computer terminal 10A. When authentication is completed, Fig. 7 (f)
The screen shown in is displayed and the IC card is inserted into the personal computer terminal 10.
The IC card reader of A prompts you to remove it. After taking out (after taking out) the IC card, click (select) the "Next" button with the mouse.

From the Web server 50, a confirmation screen of the consultant's basic information is transmitted and displayed on the personal computer terminal 10A (see FIG. 8A, S15). The information (personal information) displayed is the consultant's "basic pension number", "pension code", "furigana", "name", and "date of birth". The consultant confirms the personal information, and if there is no mistake, clicks (selects) the "confirm" button with the mouse (S16).

Next, a procedure selection screen shown in FIG. 8B is displayed (S17), and "trial calculation" is selected (S18). Then, the expected retirement month and the expected salary amount until retirement are input as in the first embodiment and transmitted to the Web server 50. Then, the personal computer terminal 10A is shown in FIG.
The screen of the comparison table by supply pattern shown in (c) is displayed.

FIG. 9 shows an enlarged view of the comparison table by supply pattern of FIG. 8C. The <a> column in FIG.
As a reference, the estimated amount of the pension originally paid is displayed. Note that the trial amount calculation is performed by the trial amount calculation server 20A, as in the first embodiment. Also, <b> on the screen
A combo box for inputting the payment start age (year / month) and a combo box for inputting (setting) the payment pattern are provided in the upper part of the fields, <c>, and <d>. By the way, the payment pattern is, as already explained, originally paid (already calculated by the amount calculated in the <a> column).
Advance payment (full amount), partial advance payment, postponement payment 4
Is one. This screen prompts the consultant to input data. Further, on this screen, the trial calculation of the amount of all payment patterns can be displayed on one screen.

The consultant sets (inputs) the payment pattern and inputs the payment start age on the screen of FIG. 9 (= FIG. 8C), and clicks the "start calculation" button at the bottom of the screen with the mouse to input. Data (payment pattern, payment start age [advanced age / advanced age]) is transmitted to the Web server 50 (S19).

The Web server 50 transmits the input data received from the personal computer terminal 10A to the amount trial calculation server 20A by the CGI processing described above. At the same time, the amount trial calculation server 20A obtains other data necessary for the amount trial calculation from the beneficiary DB 40 via the SOLS 30. Then, the trial amount calculation server 20A performs the trial amount calculation based on the both data, and transmits the result to the Web server 50 (end of the CGI process). The web server 50 displays the received result of the trial calculation as
It is transmitted to the personal computer terminal 10A via the Internet. As a result, the personal computer terminal 10A is shown in FIG.
The result screen of the trial calculation of the amount shown in FIG. 6 (a comparison table for each payment pattern in which the result of the trial calculation is displayed) is displayed (S20). The screen shown in FIG. 8 (d) is displayed according to the claims "By age of target person,
The amount of pension payment calculated for each pension payment pattern is displayed on the screen.

FIG. 10 is an enlarged view of the screen shown in FIG. 8D, but the <b> column and <c> which are blank on the screen shown in FIG.
The results of the trial calculation are also displayed in the columns> and <d>. In the lower right part of the screen, a branching age is displayed, which is a standard for selecting which payment pattern should be selected. As can be seen from this figure, in the example of this consultant, the original payment exceeds the full advance payment at the age of 63 (branch age). In addition, it is 76 that the original payment exceeds the partial advance payment.
It is the age (branch age). In addition, the postponed payment exceeds the original payment at the age of 81 (branch age). In other words, the consultant asks for this amount calculation (simulation called amount calculation).
Therefore, if you live longer than 81 years old (if you have the prospect of longevity and confidence), it is better to choose the postponement payment from 70 years old from the viewpoint that you can get more pensions. However, there is a disadvantage that the pension will not be paid normally until the age of 70.

Here, a method (procedure) for trial calculation of the amount of pension will be described with reference to FIG. This method of trial calculation is the same in the first embodiment and is executed by the trial calculation server 20A (20).

The "approximate monthly amount" in a in the figure is a value obtained by dividing the "approximate annual amount" in b in the figure by 12 (the number of months in one year). (Equation a); Estimated monthly amount of a = Estimated annual amount / 12

The "approximate annual amount" of b in the figure is "specially provided old-age welfare pension (reward proportion portion)", and the calculation formula is as shown in the following formula b. (Formula b); Approximate annual amount of b = Specially provided old-age welfare pension (reward proportional portion) (Formula b '); Special-paid old-age welfare pension (reward proportional portion)
= Monthly average reward × (9.5 / 1000 to 7.215 / 1
000) × number of months of subscription × slide rate

In the formula b ', the average monthly salary is
This is the average monthly salary for the entire period of the employee's pension insurance. In addition, (9.5 / 1000 to 7.215 / 10
00) depends on the date of birth. The slide rate is the rate at which the annual amount is revised according to changes in prices. By the way, "the whole period I have been enrolled in welfare pension insurance"
Is the "scheduled retirement date (scheduled retirement month)" entered by the consultant
It changes with. Also, the “average amount of salary over the entire period of welfare pension insurance” will also change depending on the “scheduled retirement date (scheduled retirement month)” and the “scheduled salary until retirement” entered by the consultant.

The "approximate annual amount" of c in the figure is calculated by the following equation c. (Formula c); Approximate annual amount of c = Value of formula b + Specially provided old-age welfare pension (flat-rate part) (Formula c '); Specially-paid old-age welfare pension (flat-rate part) = Fixed amount unit price x Number of months of enrollment period × Slide rate

In the formula c ', the fixed amount unit price is 16
76 yen plus a multiplier of 1.875-1.00 according to the date of birth
It is a value multiplied by zero. The slide rate is the rate at which the annual amount is revised according to changes in prices.

The "approximate annual amount" of d in the figure is calculated by the following equation d. (Formula d); Estimated annual amount of d = Value of formula b + Full amount advanced old-age basic pension (Formula d '); Full amount advanced old-age basic pension = Old-age basic pension- (Old basic pension x 0.5% x 60 months) ) (Formula d ''); Old-age basic pension = 804,200 yen x (premium payment period + (insurance exemption period x 1/3)) /
(40 years x 12 months)

The 60 months of the expression d'is the number of months from the advanced supply month to the month before the month of turning 65.

The "approximate annual amount" of e in the figure is calculated by the following equation e. (Equation e); Estimated annual amount of e = Value of expression d + Transitional addition portion (Equation e '); Transitional addition portion = Specially provided old-age welfare pension (fixed amount portion) of expression c-Aged basis of expression d' Annual amount

The "approximate annual amount" of f in the figure is calculated by the following formula f. (Formula f); Approximate annual amount of f = Value of formula b + Advance adjustment amount + Partial advance old-age basic pension (Formula f '); Advance adjustment amount = Specially paid old-age welfare pension of Formula c (fixed amount portion)-{ Specially-paid old-age welfare pension (flat-rate part) -Specially-paid old-age welfare pension (flat-rate part) x 48/6
0 months} (Formula f ″); Partly advanced old-age basic pension = Old-age basic pension of formula d ′ × 12 months / 60 months × {100% − (0.
5% x 60 months)}

In the expression f ', 60 months is the number of months from the advanced supply month to the month before the month of turning 65.
In addition, the expression in {} is an expression for calculating the subtraction portion of the advance adjustment amount. Further, in the formula f ″, 12 months is the number of months from the advanced payment month to the month before the month when the special payment start age is reached. 60 months are 65 from the month when the payment is advanced
It is the number of months until the month before the year of age.

The "approximate annual amount" of g in the figure is calculated by the following equation g. (Formula g); Approximate annual amount of g = Value of formula b + Progressive addition part of formula e '+ 65 years old basic pension additional amount + Partial advance of formula f''Basic aged pension (formula g'); 65 years old Old-age basic pension additional amount = Basic old-age amount of formula d '' x 80%

The "approximate annual amount" of h in the figure is calculated by the following equation h. (Equation h); Estimated annual amount of h = progressive addition part of equation b + equation e ′

The "approximate annual amount" of i in the figure is calculated by the following equation i. (Equation i); Estimated annual amount of i = value of Equation b + progressive addition portion of Equation e ′ + basic old age amount of Equation d ″ + increase portion. (Formula i '); Increased portion = Old-age basic pension amount of Formula d''x
0.7% x 0 months

The 60 months of the formula i'is the number of months from the age of 65 to the post-delivery month.

The amount trial calculation server 20A (20) performs the amount trial calculation based on these equations. The data required at that time is obtained from the Web server 50 (personal computer terminal 10A [kiosk terminal 10]), the beneficiary DB 40, or the like. In addition,
The slide rate and the like are stored in advance by the amount trial calculation server 20A (20).

The description returns to FIG. 8 (d). FIG. 8 (d) (=
Clicking on the detailed display of Fig. 9)
The screen of the list of accumulated lifetime pensions shown in (e)) is displayed. On the screen shown in FIG. 11, a scroll bar for changing age as a parameter for changing the graph is arranged on the left side. This scroll bar constitutes the "parameter operating means" of the claims and can be moved up and down by operating the mouse. The screen shown in FIG. 11 (and FIG. 8E) is also equivalent to “displaying the pension payment amount calculated on a screen for each age of the target person and each pension payment pattern” in the claims.

On the right side of the scroll bar, the age that can be changed by the scroll bar is displayed in units of one month. By the way, the current position of the scroll bar is a position where 81 years and 4 months is selected, as surrounded by a dashed circle. If the scroll bar is moved downward, the number of selected ages is set to increase (age) (1 month step). On the contrary, if the scroll bar is moved up, the selected age is set to be smaller (younger) (one month step). Of course, the scroll bar may be set to be older when it is moved upward and younger when it is moved downward.

On the right side of the scroll bar, there are sequentially displayed an original payment column, a full amount advance column, a partial advance column, and a postpone column. These are <a> in FIGS. 9 and 10.
This corresponds to the column, the <b> column, the <c> column, and the <d> column.

Further, a cumulative lifetime pension comparison graph is displayed on the right side of the postponement column. The bars in this graph (bar graph) indicate from the left to the right, the cumulative lifetime pension amount of originally paid, fully raised, partially raised, and lowered. The higher the bar is, the more accumulated lifetime pension is. This graph is interlocked with the scroll bar, and when the scroll bar is moved upward, the bar of the graph becomes lower. This is because the selected age becomes younger as the scroll bar moves upward.

By operating the scroll bar of the screen display of FIG. 11, the branch age displayed at the lower right of the screen of FIG. 10 can be visually understood. Specifically, when the age is advanced by operating the scroll bar of the screen display of FIG. 11, it is visually observed that the “original payment” bar reverses the “full amount advance” bar at the age of 63. You can see Further, when the scroll bar is further operated to increase the age, it can be visually seen that at the age of 76, the “original supply” bar reverses the “partly carry” bar. Further, when the scroll bar is further operated to increase the age, it can be visually observed that the "carrying down" bar reverses the "original supply" bar at the age of 81. Therefore, the screen of FIG. 11 provides very useful information for the consultant to decide which supply pattern should be selected.

The redisplay of the graph linked to the movement of the scroll bar is realized by the applet, which is a small program for displaying the graph, transmitted from the Web server 50 being activated by the control device (not shown) of the personal computer terminal 10A. ing. Such redisplay of the graph is performed by the personal computer terminal 10A on the Web every time the scroll bar is moved.
Although it can be realized by communicating with the server 50, it is preferable that the applet is used (the personal computer terminal 10A itself is self-contained) because the display speed is faster. In addition, the load on the Web server 50 is also reduced, which is preferable. Incidentally, the transmission of the applet from the Web server 50 to the personal computer terminal 10A is started when the screen of FIG. 9C is displayed.

FIG. 12 shows a flowchart of the graph display (redisplay). The applet sent from the Web server 50 and running on the control device of the personal computer terminal 10A is
As shown in the flowchart of FIG. 12, the operation of the scroll bar is monitored (operation amount monitoring, S51). And
If there is a change in the operation amount, determined in S52 (Yes),
The age is set from the operation amount by referring to the age setting table (S53), and then the cumulative lifetime pension amount that has already been calculated based on the age is acquired (or newly calculated) (S5).
4) A graph is displayed / re-displayed using this cumulative lifetime pension data (S55). When it is determined in S52 that there is no change in the operation amount, the process proceeds to "Return". The applet repeatedly executes the processing of this flowchart at intervals of, for example, tens of milliseconds.

As described above, according to the second embodiment described with reference to FIGS. 6 to 12, as in the first embodiment, the consultant is prompted by the screen display of the personal computer terminal 10A to input data. Only by doing so, the pension amount can be calculated freely without the help of a counselor, which is very convenient for the consultant (that is, the personal computer terminal 10A can be used for the amount calculation consultation). Also, the items of data to be prompted are limited, and the consultant only has to enter his / her desired / planned / expected data, and need not enter any other data. Therefore, it is very convenient for the consultant. Also, there is no need to line up at a busy consultation desk. Although the number of counselors decreases and the counseling service is suspended during lunch breaks, the counseling by the personal computer 10A (counseling for the amount of money) can always provide services under stable conditions. Further, in the first embodiment, it was necessary to go out to the place where the kiosk terminal 10 (see FIG. 1) is installed, but in the second embodiment, the pension amount is calculated at home without going out. You can In addition, the amount of money can be calculated in a graph so that the amount can be calculated more easily and in detail. Further, any personal computer that can be connected to the Internet and has a browser installed can function as the personal computer terminal 10A.

On the other hand, it is not necessary for the administration to increase the number of counselors even if the number of consultations for annual amount calculation increases. Conversely, it is possible to reduce the number of counselors. Also, the number of processing cases per counselor can be made appropriate. In addition, since the counselor required for calculating the annual amount can be referred to other counseling cases, it is convenient for the administration to reallocate personnel (effective use of human resources). In addition, it will be possible to appropriately deal with the problems of changes in the external environment and changes in the internal environment for work related to social insurance.

<< Modification >> The present invention described above is not limited to the above-described first and second embodiments.
It can be widely modified. For example (see FIG. 1 and FIG. 6), the kiosk terminal 10 or the personal computer terminal 10A (hereinafter referred to as the terminals 10 and 10A) starts the program for executing the amount trial calculation by executing the above formulas a to i '. The data necessary for trial calculation of the amount may be collected in the terminals 10 and 10A, and the trial calculation of the amount may be performed on the side of the terminal 10, 10A. In this case, the terminals 10 and 10A perform the operation of “obtaining other data necessary for performing the trial calculation through the communication line” of the claim and “through the input data and the communication line. Perform an amount trial calculation based on other obtained data. "

Further, in the case of the authentication, the authentication data to be transmitted also serves as the “data capable of specifying the target person of the amount trial calculation” of the claim, but it is necessary to specify “the target person of the amount trial calculation is specified” separately from the authentication. The “possible data” may be transmitted from the terminal 10 or 10A to the trial amount calculation server 10 (FIG. 1) or the Web server 50 (FIG. 6). In addition, based on the IP address attached to the header of the data transmitted from the terminals 10 and 10A,
Individuals (consultants) and terminals 10 and 10A may be specified (authenticated). Further, although the IC card is used for authentication, other authentication means may be used. The present invention is
Authentication is not a mandatory requirement.

The data (input data) to be transmitted from the terminals 10 and 10A may be transmitted every time one item is input, or may be transmitted collectively after all items are input. . In addition, as shown in Table 1, the consultant inputs the payment pattern (pension payment pattern), the planned retirement month, the planned salary until retirement, and the advanced payment year (or the advanced payment year). However, for example, the estimated salary amount until retirement may be estimated from the past salary record stored in the beneficiary DB 40, and the input of the estimated salary amount until retirement may be omitted. Similarly, the planned retirement month may be estimated from the age of the consultant, and the planned retirement month (planned retirement date) may be omitted.

The kiosk terminal 10 may also display the graph as in the second embodiment. Also,
The kiosk terminal 10 may display the screen by a browser as in the second embodiment. In other words, the second
The personal computer terminal 10A of the embodiment may be the kiosk terminal 10.

In the graph shown in FIG. 11, four bars are displayed together, but only one of them may be displayed. Also, any two may be displayed. By displaying at least two bars, it is possible to visually observe the situation in which one bar overtakes the other bar and one cumulative lifetime pension reverses that of the other.
Alternatively, the bar graph may lie sideways. Also, a line graph or a pie chart may be used instead of the bar graph. The graph may be 3D.

Further, although the scroll bar is vertical in FIG. 11, it may be horizontal. Also, by omitting the scroll bar on the screen and operating the arrow keys (“↑”, “↓”, “←” or “→”) on the keyboard or the joystick, the age display (eg digital display) increases or decreases ( The graph may be re-displayed accordingly. In this case, regardless of the position (movement) of the mouse pointer on the screen, the operation amount of the arrow keys or the joystick directly increases or decreases the parameter of age. In the case of a mouse equipped with a scroll wheel for the screen, place the mouse pointer in the graph area and the consultant rotates the mouse wheel to increase or decrease the age display and change the graph (redisplay the graph). You may do it. That is, the "parameter operating means" may be configured to include the mouse wheel.

In FIG. 11, the age is selected by the scroll bar and the cumulative lifetime pension amount at the selected age is displayed in a bar graph. For example, the horizontal axis is age and the vertical axis is cumulative lifetime year. When a graph showing the amount of money is displayed and the scroll bar is operated, the pointer displayed in the graph may indicate the age.

The personal computer terminal 10A (see FIG. 6)
May be a mobile device such as a PDA (Personal Digital Assistants). In the case of a mobile device such as a PDA, for example, it is possible to wirelessly communicate with the Web server 50 or the like via a wireless packet communication network provided by a communication carrier.

[0099]

According to the present invention described above, the trial amount calculation can be performed by the consultant himself / herself.

[Brief description of drawings]

FIG. 1 is a block diagram showing an overall configuration of an annual amount trial calculation reply system to which an annual amount trial calculation reply method according to a first embodiment of the present invention is applied.

2 is a block diagram showing a hardware configuration of the kiosk terminal of FIG.

FIG. 3 is a diagram showing an example of a screen displayed on the kiosk terminal of FIG. 1 in (a) to (f) along the process flow (first half).

FIG. 4 is a diagram showing an example of a screen displayed on the kiosk terminal of FIG. 1 in (a) to (f) along the flow of processing (second half).

FIG. 5 is an enlarged view of the screen shown in FIG.

FIG. 6 is a block diagram showing an overall configuration of an annual amount trial calculation reply system to which an annual amount trial calculation reply method according to a second embodiment of the present invention is applied.

FIG. 7 is a diagram showing an example of a screen displayed on the personal computer terminal in FIG. 6 in (a) to (f) along the flow of processing (first half).

FIG. 8 is a diagram showing an example of a screen displayed on the personal computer terminal in FIG. 6 along the flow of processing in (a) to (e) (second half).

FIG. 9 is an enlarged view of the screen of the comparison table for each supply pattern in FIG. 8C.

FIG. 10 is an enlarged view of the screen of the comparison table for each supply pattern in FIG.

11 is an enlarged view of the cumulative lifetime pension list screen of FIG. 8 (e).

12 is a flowchart of the graph display of FIG.

[Explanation of symbols]

10… Kiosk terminal 10A ... PC terminal 20, 20A ... Amount calculation server 40 ... Beneficiary DB

   ─────────────────────────────────────────────────── ─── Continued front page    (72) Inventor Masako Tanaka             Tokyo Stock Exchange, 1-6-27 Shinsuna, Koto-ku, Tokyo             Hitachi, Ltd. Public Systems Division (72) Inventor Kunio Takahashi             2-4-18 Toyo, Koto-ku, Tokyo Hitachi             Kyo System Engineering Co., Ltd. (72) Inventor Tatsuo Kaneko             1-6-27 Shinsuna, Koto-ku, Tokyo Hitachi             Kyo System Service Co., Ltd.

Claims (13)

[Claims] [Claim 1] An individual operator who makes a trial calculation of the amount of pension to be paid by operating a computer for trial calculation of the amount of pension to be paid,
The user is prompted to input data necessary for trial calculation of the pension amount, the trial calculation of the pension amount is performed based on the data input by the operator through the input means, and the result is displayed on the screen and / or printed. This is a method for responding to annual pension calculation, in which the data prompting the input is data that can identify the target person for the trial calculation of pension amount, the pension payment pattern desired by the target person, and the planned retirement date. , And at least one of the expected salary amounts until retirement, and the optional age data, if the pension payment pattern is an advanced payment, the advanced age, and if the pension payment pattern is a delayed payment, the advanced age. A method for calculating and calculating the annual amount, which is characterized by. 2. A pension amount calculating and answering method, in which a pension amount is calculated and answered using a computer operated by an individual operator who makes a trial calculation of the amount of pension to be paid, to the operator. Inputting data that can identify the target person of the pension amount trial calculation, and inputting at least one or more data of the pension payment pattern desired by the target person, the planned retirement date, the planned salary amount until retirement, As the optional input data, a screen display is displayed to prompt the advance age when the pension payment pattern is the advanced payment, and the advanced age when the pension payment pattern is the advanced payment, and the above-mentioned each data is input through the input means. Is received, to the amount trial calculation server for performing the trial calculation of the annuity, the input data is transmitted via a communication line to obtain the result of the amount trial calculation, and the result of the obtained amount trial calculation is displayed on the screen, Over And / or printing, and calculating and answering the pension amount to the operator, and answering. 3. A pension amount calculation and answering method, in which a pension amount is calculated and answered using a computer operated by an individual operator who makes a trial calculation of the amount of pension to be paid. Inputting data that can identify the target person of the pension amount trial calculation, and inputting at least one or more data of the pension payment pattern desired by the target person, the planned retirement date, the planned salary amount until retirement, As the optional input data, a screen display is displayed to prompt the advance age when the pension payment pattern is the advanced payment, and the advanced age when the pension payment pattern is the advanced payment, and the above-mentioned each data is input through the input means. Accepting the input of, to obtain other data necessary for performing the trial calculation through the communication line, perform the trial calculation based on the input data and other data obtained through the communication line, A method of calculating and calculating a pension amount for the operator by displaying and / or printing the result of the calculation of the amount on the screen and giving a reply. 4. The year according to any one of claims 1 to 3, characterized in that a pension payment amount calculated for each age and pension payment pattern of the target person is displayed on the screen. How to answer the trial calculation. 5. When the cumulative amount of the pension to be paid is displayed on the screen as a graph with the age of the target person as a parameter, parameter operating means for increasing or decreasing the age as the parameter by the operation of the operator. 5. The method according to claim 1, further comprising: redisplaying the graph according to an operation amount of the parameter operation means.
The annual amount trial calculation reply method described in any one of. 6. Data capable of specifying a target person for trial calculation of pension amount, and data of at least one of a pension payment pattern desired by the target person, a planned retirement date, and a planned salary amount until retirement. Steps of individually or collectively receiving, as optional input data, the advanced age when the pension payment pattern is the advanced payment, and the advanced age when the pension payment pattern is the advanced payment. , A step of obtaining other data necessary for performing the amount trial calculation, a step of performing an amount trial calculation of annuity based on the received data and the other data obtained, a result of the amount trial calculation via a communication line A method of calculating and calculating a pension amount, comprising the step of transmitting. 7. An annual amount trial calculation answering device which is operated by an individual operator to make a trial calculation of the amount of pension, wherein data for identifying a target person of the trial calculation of the amount of pension and a pension desired by the target person Data of at least one of the payment pattern, planned retirement date, expected salary until retirement, and if the pension payment pattern is the advanced payment as optional input data, the advanced age, and the pension payment pattern is the advanced payment. In this case, the input means for accepting the input of the postponement age and the data input via the input means are transmitted to the amount trial calculation server equipped with means for performing trial calculation of the pension amount, and the amount trial calculation is performed from this amount trial calculation server. Means for receiving the result of the amount trial calculation, means for displaying the result of the amount trial calculation on the screen, and / or means for printing the result of the amount trial calculation, and trial calculating the amount of pension for the operator. Pension estimated response apparatus which is characterized in that answer. 8. An annual amount trial calculation answering device which is operated by an individual operator to make a trial calculation of an amount of pension, wherein data for identifying a target person of the trial calculation of annuity and a pension desired by the target person Data of at least one of the payment pattern, planned retirement date, expected salary until retirement, and if the pension payment pattern is the advanced payment as optional input data, the advanced age, and the pension payment pattern is the advanced payment. In the case of inputting the postponement age, input means for accepting, means for obtaining other data necessary for performing the trial amount calculation via a communication line, data input by the operator and the communication line A means for performing an amount trial calculation based on other obtained data, a unit for displaying the result of the amount trial calculation on a screen, and / or a unit for printing the result of the amount trial calculation, and an amount of pension for the operator. An annual amount trial calculation and response device, which is characterized by calculating and answering. 9. The method according to claim 8, further comprising: means for calculating a future pension payment amount of the target person for each age and for each pension payment pattern, and means for displaying the result on a screen. An annual amount calculation answer device. 10. A parameter operating means for increasing / decreasing the age as the parameter when the cumulative amount of the pension to be paid is displayed on the screen as a graph with the age of the subject as a parameter, The annual amount trial calculation answer support device according to any one of claims 7 to 9, further comprising: a unit that redisplays the graph according to an operation amount of the parameter operating unit. 11. In order to allow the trial calculation of the pension amount to be performed by the operation of an individual operator, the computer is capable of specifying the target person of the trial calculation of the pension amount, and the pension payment pattern desired by the subject. Scheduled retirement date, at least one or more of the planned salary amount until retirement, and optional age data if the pension payment pattern is the advanced payment, and if the pension payment pattern is the advanced payment, if the pension payment pattern is the advanced payment A step of prompting the input of the postponed age by a screen display, a step of transmitting the data input according to the step to an amount trial calculation server for performing an amount trial calculation, a step of receiving the amount trial calculation result of the amount trial calculation server, the amount A program for answering an estimated annual amount, which is characterized by executing a step of displaying an estimation result on a screen. 12. The pension payment calculation program according to claim 11, wherein the step of displaying the pension payment amount calculated for each age and pension payment pattern of the target person on the screen is executed. 13. When the cumulative amount of pensions to be paid for each pension payment pattern is displayed on the screen as a graph with the age of the subject as a parameter, the age as the parameter is increased or decreased by the operation of the operator. 12. A parameter operating step to be performed, and a step of re-displaying the graph according to an operation amount of the parameter operating step are executed.
The program for answering the estimated annual amount described in 2.