JP3064817U - Electronic commerce equipment for pension management - Google Patents

Abstract

(57) [Summary] [Problem] To provide an electronic commerce device that can be purchased and ordered through a direct communication line with a financial product sales company for employee pension management from a terminal screen of a computer system of a company. . SOLUTION: It is characterized by comprising means for connecting a terminal of a company and a communication line between financial product sales companies and pension management processing means.

Description

[Detailed description of the invention]

[0001]

[Technical field to which the invention belongs]

 The present invention is applicable to the management and management of pensions for corporate employees, especially for defined contribution pensions such as (Japanese version) 401K, through the communication line with the sales company of the financial products selected by the employees. And an electronic commerce device compatible with pension management that can be processed directly.

[0002]

[Prior art]

 Traditionally, when a company manages its employees' funded pensions, it manages the funded pensions based on employee master tables generated by payroll programs, etc. They make a purchase plan and make a purchase, but the purchase order is usually made offline. Considering the various tasks involved, the work efficiency in this state was not very good.

[0003]

[Problems to be solved by the invention]

 The present invention has been made in view of the above points, and has as its object the purpose of providing financial products through a communication line directly from a terminal of a computer system of a company to a sales company of financial products, which is a defined contribution pension. An object of the present invention is to provide an electronic commerce device that can be used for a pension operation and that can be operated efficiently with good work efficiency.

[0004]

[Means for Solving the Problems]

 In order to solve the above problems, the pension management-compatible electronic commerce device of the present invention is a device that processes electronic commerce business using a computer system of a company, and a terminal of the device and a host of a financial product sales company. Communication program setting means for connecting a communication line between computers to a connectable state; data communication means for connecting the communication line by the communication program to transmit and receive data between the terminal and the financial product sales company; In conjunction with the employee master table generated by the payroll program, it manages the employee's pension reserve and at least the pension management of financial products that are defined contribution pensions selected by employees. Process account opening, product selection, ordering, settlement, transaction statement inquiry, purchased product list, and operation result list while sending and receiving via the communication line on the terminal screen The pension management processing means, wherein the pension management processing means locks the terminal when the creator exceeds a predetermined upper limit when transferring funds for purchasing the product. A terminal locking means, and a confirmation processing means for not allowing subsequent data change when the transfer amount is determined, wherein the terminal is controlled by one of Windows NT, 95 and 98 operation systems. It is characterized by.

[0005] The pension management processing means is linked with an electronic banking system capable of transmitting the transfer data generated by the payroll calculation program to the bank through a communication line. And a fund transfer means for transferring a purchase fund from the client to the financial product sales company via the terminal device.

Further, the pension management plan is a defined contribution pension plan or a (Japanese version) 401K plan.

[0007]

[Embodiment of the invention]

 An embodiment of the present invention will be described with reference to the drawings. FIG. 1 shows a block diagram of an embodiment using an e-commerce device for pension management of a defined contribution pension of the present invention.

[0008] Here, reference numeral 10 denotes a company computer system, which is the pension management-compatible electronic commerce device of the present invention. The terminal 1 is controlled by an operating system such as Windows NT, 95, 98, etc., and can load an application program. 5 is a transmission cable of, for example, 100B ASE of a local area network (LAN), 6 is, for example, a Windows NT control server, 7 is, for example, an ISDN terminal or router or a computer having the function, 20 is NTT Electronics An exchange, 30 is a financial product sales company such as defined contribution pensions, and 40 is a bank for business deposits and transfers. 21, 31, and 41 are communication lines between them.

The terminal 1 also includes a program 12 for an annuity management-compatible electronic commerce device, an electronic banking system 15 linked to the program 12, and a payroll calculation program 16 which is one of the businesses of a company.

The pension management-compatible electronic commerce device includes a communication program setting unit 13, a data communication unit 14, and a pension management processing unit 17.

Next, FIG. 2 shows an embodiment of the operation of the pension management-compatible e-commerce device according to the present invention with reference to the following flow chart. FIG. 2 shows the flow in the case where an employee of a company selects an investment trust in a financial product (a) and in the case where the process is continued monthly (b).

When the investment trust is selected (a), the salary calculation program 16 interlocks the pension management-compatible e-commerce device (S11) or activates the pension management-compatible e-commerce device alone, and then sets the communication program A communication line is connected by the means 13 and the data communication means 14, and a product (fund) list is received from the financial product sales company 30, in this case, the host computer of the investment trust sales company (S12). Next, a list of the products (funds) may be displayed on the screen of the terminal 1 and printed (S13). Here, the transaction method, the number of units, the amount, and the like are input from the screen (S15). Finally, it is stored in a memory or a recording medium as employee-specific operation information (S16).

In the case of monthly processing (b), all processing is performed on the screen of the terminal 1 as follows. Payroll is calculated by the payroll calculation program linked in the same manner as in (a) (S21), and then the amount is deducted (S22) based on the employee-specific operation information previously stored in the memory or the recording medium, and the order is performed with the deducted amount. Data is created (S23), and the order data is transmitted to the host computer (S24).

FIG. 3 shows cases (a) and (b) in performing a transaction statement inquiry and a balance inquiry with respect to the investment trust sales company 30.

A communication line is connected in the same manner as in FIG. 2, and in the case of the transaction statement inquiry (a), the transaction history is received from the host computer of the investment trust sales company 30 (S 31), and then displayed on the screen of the terminal 1. A transaction statement is displayed or further printed (S32).

On the other hand, in the case of the balance inquiry (b), similarly, the balance list of the purchased product is received from the host computer (S33), and then the balance list of the purchased product is displayed on the screen of the terminal 1 or further. Printing is performed (S34).

FIG. 4 shows an electronic banking system 15 that can perform a purchase procedure with the investment trust sales company 30 and transmit payroll transfer data required for processing of the payroll calculation program 16 to the bank 40. This shows a flow of interlocking and transmitting the purchase money transfer data to the bank 40 on the screen of the terminal 1.

The monthly processing is performed on the screen of the terminal 1 as follows. The payroll is calculated by the payroll calculation program (S41), then the amount is deducted based on the employee-specific operation information stored in the memory or the recording medium (S42), and the order data is created with the deducted amount (S43). In addition to transmitting the order data to the host computer (S44), on the other hand, in step S42, transfer data is created to the house bank 40 (S45), and via the interlocked electronic banking system 15 (EB system). (S46) and sends it to the bank 40 (S47).

In order to secure the transfer of funds, the person in charge and the data creator, when exceeding a predetermined upper limit, put the terminal 1 into a terminal locked state, and further determine the transfer amount once. After that, there is a confirmation processing means that cannot change the data.

[0020]

[Effect of the invention]

 The present invention has the following effects. In other words, from the screen of the terminal of the company's computer system, it is possible to purchase defined-contribution pension products from the investment trust sales company directly to the investment trust sales company via a communication line. The funds can be transferred to the bank transfer account of the bank, ie, the funds can be transferred, so orders and settlements can be made quickly, and work can be performed efficiently and safely.

[Submission date] August 13, 1999 (August 13, 1999)

[Procedure amendment 3]

[Document name to be amended] Statement

[Correction target item name] 0001

[Correction method] Change

[Correction contents]

[0001]

[Technical field to which the invention belongs]

 The present invention is applicable to the management and management of pensions for employees of companies, especially for defined contribution pensions such as the Japanese version 401K, directly through the communication line with the sales company of the financial instruments selected by the employees. The present invention relates to a pension management-compatible electronic commerce device that can be processed.

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0004

[Correction method] Change

[Correction contents]

[0004]

[Means for Solving the Problems]

In order to solve the above problems, the pension management-compatible electronic commerce device of the present invention is a device that processes electronic commerce business using a computer system of a company, and a terminal of the device and a host of a financial product sales company. Communication program setting means for connecting a communication line between computers to a connectable state; data communication means for connecting the communication line by the communication program to transmit and receive data between the terminal and the financial product sales company; In conjunction with the employee master table generated by the payroll program, it manages the employee's pension reserve and at least the pension management of financial products that are defined contribution pensions selected by employees. Process account opening, product selection, ordering, settlement, transaction statement inquiry, purchased product list, and operation result list while sending and receiving via the communication line on the terminal screen The pension management processing means, wherein the pension management processing means locks the terminal when the creator exceeds a predetermined upper limit when transferring funds for purchasing the product. A terminal locking means; and a determination processing means which does not allow subsequent data change when the transfer amount is determined, wherein the terminal is controlled by a window- type operation system.

[Procedure amendment 5]

[Document name to be amended] Statement

[Correction target item name] 0006

[Correction method] Change

[Correction contents]

Further, the pension management plan is a defined contribution pension plan or a Japanese 401K plan.

[Procedure amendment 6]

[Document name to be amended] Statement

[Correction target item name] 0008

[Correction method] Change

[Correction contents]

[0008] Here, reference numeral 10 denotes a company computer system, which is the pension management-compatible electronic commerce device of the present invention. Reference numeral 1 denotes the terminals, each of which is controlled by a window- type operating system, so that application programs can be loaded. Reference numeral 5 denotes a transmission cable such as 100BASE of a local area network (LAN), 6 denotes a control server, 7 denotes, for example, an ISDN terminal or router or a computer having the function, 20 denotes an NTT electronic exchange, and 30 denotes a NTT electronic exchange. A sales company for financial products such as defined contribution pensions, and a bank 40 for business deposits and transfers. 21, 31, 41 are communication lines between them.

[Brief description of the drawings]

FIG. 1 is a block diagram of an embodiment using a pension management-compatible electronic commerce device of the present invention.

FIG. 2 is a flowchart when the present invention operates.

FIG. 3 is a flowchart when the present invention operates.

FIG. 4 is a flowchart when the present invention operates.

[Explanation of symbols]

1 Terminal of computer system of company (OS control of Windows NT, 95, 98, etc.) 5 LAN transmission cable 6 Windows NT control server 7 ISDN terminal device 10 Computer system of company (electronic commerce device) 12 Electronic commerce device for pension operation Program 13 communication program setting means 14 data communication means 15 electronic banking system (E
B system) 16 Payroll calculation program 17 Pension management processing means 20 NTT electronic exchange 21, 31, 41 Communication line 30 Financial product sales company, investment trust sales company 40 Bank

[Procedure amendment]

[Submission date] August 13, 1999 (1999.8.1)
3)

[Procedure amendment 1]

[Document name to be amended] Statement

[Correction target item name] Claim 1

[Correction method] Change

[Correction contents]

[Procedure amendment 2]

[Document name to be amended] Statement

[Correction target item name] Claim 3

[Correction method] Change

[Correction contents]

[Procedure amendment 7]

[Document name to be amended] Statement

[Correction target item name] Explanation of sign

[Correction method] Change

[Correction contents]

[Description of Signs] 1 Terminal of computer system of company 5 LAN transmission cable 6 Control server 7 ISDN terminal device 10 Computer system of company (electronic commerce device) 12 Program of electronic commerce device corresponding to pension management 13 Communication program setting means 14 Data Communication means 15 Electronic banking system (E
B system) 16 Payroll calculation program 17 Pension management processing means 20 NTT electronic exchange 21, 31, 41 Communication line 30 Financial product sales company, investment trust sales company 40 Bank

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Tomohisa Takahashi 2-1-1, Nishi-Shinjuku, Shinjuku-ku, Tokyo Within the obic business consultant Co., Ltd. (72) Atsushi Okamoto 2-chome, Nishi-Shinjuku, Shinjuku-ku, Tokyo No. 1 In the Orbic Business Consultant Co., Ltd.

Claims (3)

[Utility model registration claims] 1. An apparatus for processing an electronic commerce business using a computer system of a company, the communication program setting for enabling a communication line between a terminal of the apparatus and a host computer of a financial product sales company to be connectable. Means, by the communication program, connected to a communication line, data communication means for transmitting and receiving data between the terminal and the financial product sales company, and linked with an employee master table generated by a salary calculation program of corporate business, In order to manage the employee's pension fund and to manage the pension of financial instruments that are defined contribution pensions selected by the employee, at least open accounts, select products, order, settle, check transaction details, purchase products A pension operation processing means for processing a list and an operation result list on the terminal screen while transmitting and receiving the communication result via the communication line; A terminal lock means for locking the terminal when the creator exceeds a predetermined upper limit when transferring funds for purchasing the product, and a subsequent data change when the transfer amount is determined. An electronic commerce device compatible with pension management, characterized in that the terminal is controlled by one of Windows NT, 95 and 98 operation systems. 2. The annuity management processing means interlocks with an electronic banking system capable of transmitting the transfer data generated by the payroll calculation program to a bank through a communication line, and the bank from the bank on a terminal screen. The pension management-compatible e-commerce device according to claim 1, further comprising a fund transfer means for transferring a purchase fund to a financial product sales company via the terminal. 3. The pension management-compatible e-commerce device according to claim 1, wherein the pension management plan is a defined contribution pension plan or a (Japanese version) 401K plan.