JP4233010B2 - Defined contribution pension system and program that runs on computer - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an information processing system for operating a defined contribution pension system, and more particularly to an information processing system for record management (record keeping) in an operation management organization.
[0002]
[Prior art]
There is a defined benefit pension as a general pension system. The defined benefit pension is a framework in which future benefits for individual employees are determined in advance (defined benefits), a fixed interest rate is set for them, and premiums are determined. This system has been widely adopted as a welfare pension fund and tax-qualified retirement pension in Japan.
[0003]
In contrast, defined contribution pension schemes such as the 401 (k) plan have been adopted as one of the main pension schemes in the United States. In the defined contribution pension plan, the monthly contribution amount is fixed in advance (defined contribution), and future benefits are determined by the results of individual contribution management at the time of vesting. Under this plan, there is no guarantee of future benefits because the subscriber selects the financial product to manage the contribution (management instructions) and the investment risk is also borne by the subscriber.
[0004]
An enterprise-type defined contribution pension plan is usually composed of a company, a participant (including a beneficiary), an operation management organization, an asset management organization, and a product provision organization, each of which has a predetermined role. Hereinafter, the overall outline of the system will be described with reference to FIG.
[0005]
Companies that participate in the defined contribution pension plan (hereinafter referred to as “participating companies”) appoint an asset management organization and an operational management organization. An asset management institution is an institution that manages premiums as assets of a defined contribution pension plan, for example, a trust bank or the like. The operation management organization is an organization that performs administrative work on behalf of the subscriber, and performs processing such as recording and managing the balance of premiums and assets and reporting information such as the balance to the subscriber.
[0006]
Participating companies contribute contributions to asset management institutions.
[0007]
The subscriber gives operational instructions to the operation management organization. The operation management organization collects the operation instructions from the subscribers and instructs the asset management organization to operate, and the asset management organization actually buys and sells financial products with the product providing organization based on the operation instructions from the operation management organization. Carry out the contract. The merchandise provider is typically a financial institution such as a bank or a securities company that provides financial products.
[0008]
In the case of an individual-type defined contribution pension plan for self-employed persons, the National Pension Fund Federation will serve as a member company.
[0009]
[Problems to be solved by the invention]
Asset management institutions are expected to play the role of trust banks, and product providers are expected to play the role of banks and insurance companies. Therefore, it is considered that the defined contribution pension management system at each institution can be dealt with by developing based on the information processing system possessed by each existing institution.
[0010]
However, since the operation and management organization is expected to be newly established as a unique contribution to the defined contribution pension plan, it is difficult to build a management system for the defined contribution pension plan using the existing organization's system. . In fact, the system itself may have just begun, and there is virtually no publication of an operational system for an operational management organization.
[0011]
Here, in the United States, which is ahead of the defined contribution pension system, an operational management organization has already been established, and there are systems that operate there. However, the specific configuration of such a system has hardly been published, and there is very little information available. In addition, the defined contribution pension plan to be implemented in Japan has not yet been fully finalized and may be subject to various operational changes even after the plan has actually started. is there. In addition, since it is expected to differ from the US system in many respects, it is considered difficult to divert the US management system as it is.
[0012]
Accordingly, an object of the present invention is to construct a system that can flexibly cope with a change in system, particularly a defined contribution pension system for an operation management organization.
[0013]
[Means for Solving the Problems]
The defined contribution pension system of the present invention has at least a defined contribution (record keeping) function that records and manages the balance of premiums and assets and performs processing such as reporting information such as the balance to the subscriber. In this pension system, the account management DB referred to in the function is divided into at least a product providing institution DB, a financial product DB, a member company DB, a subscriber DB, a balance DB, a contribution management DB, and an operation DB. It is characterized by that.
[0014]
Preferably, registration update means for merchandise provider DB / financial product DB / subscriber company DB / subscriber DB, contribution plan / contracting means for managing subscriber contribution amount with reference to contribution management DB, and operation DB The purchase instruction means for giving a purchase instruction for the financial product selected by the subscriber, and the equity management means for managing the interest of each subscriber based on the contract result of the financial product with reference to the balance DB.
[0015]
The program of the present invention is a program for causing a computer to implement a record management function including a function of recording and managing a balance of contributions and assets and a function of reporting information such as a balance to a subscriber regarding a defined contribution pension. Refer to the registration / update means for the product provider DB / financial product DB / subscriber company DB / subscriber DB, the contribution plan / contracting means for managing the contribution amount of the subscriber with reference to the contribution management DB, and the operation DB. A purchase instruction means for instructing the purchase of a financial product selected by the subscriber, and an equity management means for managing the interests of each subscriber based on the execution result of the financial product with reference to the balance DB. It includes at least a program.
[0016]
The program of the present invention causes the information processing method of the present invention to be executed on a computer. The program of the present invention can be installed or loaded into a computer through various recording media such as a CD-ROM, a magnetic disk, and a semiconductor memory, or via a network.
[0017]
DETAILED DESCRIPTION OF THE INVENTION
(First embodiment)
Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a conceptual diagram showing the configuration of the defined contribution pension management system according to the first embodiment of the present invention. As shown in FIG. 1, the defined contribution pension management system 1 includes an operation management institution system 100, a member company system 101, an asset management institution system 102, and a product providing institution system 103 as main components.
[0018]
Each system may be a dedicated system or a general-purpose information processing apparatus. For example, each system can be realized using an information processing apparatus having a general configuration including a processing device, an input unit, a storage unit, and an output unit. Each system is configured to be able to communicate with other systems via a communication network. The communication network may be any of a LAN, the Internet, a dedicated line, a packet communication network, or a combination thereof.
[0019]
The member company system 101 is a normal information processing system owned by each member company, and has, for example, a function of managing the affiliation, salary, etc. of employees who are members of the defined pension system.
[0020]
The asset management institution system 102 is an information processing system possessed by an asset management institution such as a trust bank. For example, a collection function of a premium from a participating company (such as automatic withdrawal from a bank account), an instruction from an operation management institution It has a function to remit funds to a product provider based on this, a function to pay benefits (transfer), etc.
[0021]
The product providing institution system 103 is an information processing system possessed by an institution that provides financial products such as banks, securities companies, and insurance companies. For example, the function of managing the balance of financial products for each participating company, It has a function of making a purchase / sale contract for a financial product based on an instruction (a contract function), a function of notifying a management result to a management organization, and the like.
[0022]
As shown in FIG. 1, the operation management organization system 100 includes an office center 10, a system center 11, a Web / call center 12, a connection system 13 for a subscriber company system 101, a connection system 14 for an asset management organization system 102, and a merchandise providing organization system. 103 includes a connection system 15 and the like. In the figure, only one subscribing company system 101, asset management institution system 102, and merchandise providing institution system 103 are shown, but the whole may be configured to include a plurality of each.
[0023]
The operation management institution system 100 includes at least a record management function (record keeping function). In addition, management functions for system design information (eligibility, date of system participation, type of contribution, granting of benefits, benefits information, etc.), financial product information (product name, price transition, investment yield, investment prospect, etc.) It may be provided with a presentation function, a benefit management function (reception of benefit application, verification of eligibility, benefit instruction, etc.).
[0024]
Hereinafter, components of the operation management organization system 100 will be described.
[0025]
The office center 10 may, for example, register / change acceptance processing of merchandise providers, registration / change acceptance processing of subscribers / subscribers, contribution plan / confirmation acceptance processing, SW (switch) / transfer / retirement acceptance processing, operation instruction acceptance processing. Etc.
[0026]
The registration / change acceptance process of a product provider accepts registration of a financial institution that intends to provide a financial product through the defined contribution pension management system 1 and also provides a financial product provided by the financial institution (corresponding to the defined contribution pension plan). The registration of a product that can be provided by a product providing organization (for example, a fund, a time deposit, etc.) is received, and the received data is transmitted to the system center 11 to be reflected in the product providing organization DB and the financial product DB in the system center 11. It is processing.
[0027]
In addition, the registration / change acceptance process of a subscriber company / subscriber accepts a registration of a new subscriber company / new subscriber and a change of registration information (attributes, etc.) of the already-subscribed company / subscriber. In this process, the received data is transmitted to the system center 11 to be reflected in the subscriber company DB and the subscriber DB.
[0028]
Further, the contribution schedule / confirmation acceptance process accepts the scheduled amount related to the contribution, the tightening instruction data for finalizing the contribution amount, and the like, and accepts the received data to the system center 11 so as to be reflected in the contribution management DB in the system center 11. It is a process to transmit.
[0029]
SW / transfer / retirement acceptance processing refers to transfer (switch) of financial products from member companies / subscribers or transfer / retirement information, and the received data is reflected in the operation DB / balance DB, etc. 11 is a process of transmitting to the terminal 11.
[0030]
Further, the operation instruction receiving process refers to the product providing institution DB or the financial product DB in the system center 11 and presents information on the financial product etc., receives information on the financial product selected by the subscriber, 11 is a process of transmitting the received data to the system center 11 to be reflected in the operation DB in the system 11.
[0031]
Each process described above may be implemented in the subscriber company system 101. In this case, each data is transmitted directly from the subscribing company system 101 to the system center 11 via the connection system 13.
[0032]
The office center 10 can be configured using a normal information processing device, but may further include an OCR device as a mechanism for receiving various inputs.
[0033]
The Web / call center 12 can provide various information (product information, balance information, transaction history information, etc.) for the subscriber through a telephone call from the subscriber or the Internet. It is also possible to accept SW reception processing and operation instruction reception processing of the office center through the same route.
[0034]
The connection systems 13 to 15 have a function as a firewall between the system center 11 and the external network. In addition, in order to absorb the difference between each institution system, a file transfer server and a dedicated PC are installed in each institution as part of the connection system, and the communication protocol between the server / PC and each institution system is common. It becomes the composition which becomes.
[0035]
The system center 11 can be configured by using one or more ordinary information processing apparatuses, and is configured to be able to communicate with the office center 10, the enterprise system 101, the asset management institution system 102, the product providing institution system 103, and the like. .
[0036]
FIG. 2 is a functional configuration diagram of the system center 11. As shown in FIG. 2, the system center 11 includes an account management DB 20, a registration update unit 21, a contribution schedule / clamping unit 22, a SW / transfer / retirement unit 23, a deposit / purchase instruction unit 24, an equity management unit 25, and the like. The record management function is realized based on these means.
[0037]
(Explanation of System Center Account Management DB)
The account management DB 20 is a database for managing various data necessary for the record management function, and is a product provider DB, financial product DB, subscriber company DB, subscriber DB, balance DB, contribution DB, contribution management DB, operation DB. It is divided and configured. A part of each of these DBs may be duplicated in the office center 10 / WEB / call center 12 / destination systems 13, 14 and 15.
[0038]
The product providing institution DB stores providing institution attribute information (institution name, address, contact information, identification code of financial product provided by the institution, etc.) in association with the product providing institution identification code (FIG. 3A). reference).
[0039]
The financial product DB stores product attribute information (product name, price transition, investment yield, investment prospect, identification code of a product provider that provides the product, etc.) in association with the identification code of the financial product. FIG. 3 (b)).
[0040]
The member company DB stores the company attribute information (company name, address, contact information, company contribution limit, etc.) and the identification code of the financial product selected by the company as the presentation plan in association with the identification code of the member company. (FIG. 4A).
[0041]
The subscriber DB stores the subscriber attribute information (name, identification code of the affiliated company, address, contact information, title, department, subscriber contribution amount, etc.) in association with the identification code of the subscriber. FIG. 4 (b)).
[0042]
The balance DB stores the deposit balance, various accumulated values (cumulative deposits, etc.) of the financial products held in association with the identification code of the subscriber (FIG. 5A).
[0043]
The contribution DB stores the allocation ratio, the allocation amount, etc. of the held financial product with respect to the contribution amount at the time when the contribution DB is registered based on the offer in association with the identification code of the subscriber (FIG. 5B).
[0044]
The contribution management DB stores the allocation ratio, the allocation amount, etc., of the held financial product with respect to the contribution amount at the time of the closing process in association with the identification code of the subscriber (FIG. 6 (a)).
[0045]
The operation DB stores transaction instructions (for example, transaction type (buy / sell), etc.) and transaction results (for example, transaction quantity, amount, etc.) for each subscriber in association with the identification code of the subscriber (FIG. 6B). ).
[0046]
In this way, by configuring the account management DB as a set of multiple subdivided DBs by purpose, the data structure of the entire account management DB can be flexibly corrected and changed, and system revisions and individual member companies It is possible to respond flexibly to changes in needs (for example, wanting to change the summary of enterprise units to establishments).
[0047]
(Description of each means of the system center)
The registration update means 21 receives update data from the office center 10 or the subscribing company system 101, and updates the stored contents of the product provider DB, financial product DB, subscribing company DB, subscriber DB, etc. based on the update data. .
[0048]
The contribution plan / clamping means 22 receives from the administrative center 10 or the member company system 101 scheduled data related to contributions, tightening instruction data for finalizing the contribution, and the like, and updates the contents stored in the contribution management DB based on the data. At the same time, the purchase amount for each subscriber / product and the purchase amount information for each company / product obtained by collecting the purchase amount are recorded in the operation DB.
[0049]
Further, the contribution schedule / clamping means 22 may be automatically performed when a certain day comes according to the attribute information registered in the member company DB.
[0050]
Also, the contribution schedule / clamping means 22 sends the contribution amount information (total contribution amount of subscribers belonging to the company + contribution amount of the company) to the participating company system 101 via the connection system 13. Notice. As a result, each company can check the contribution amount to be transferred to the trust account.
[0051]
Similarly, the contribution schedule / clamping means 22 notifies the asset management organization system 102 of the contribution amount information via the connection system 14. Thereby, the asset management organization 102 can know the contribution amount transferred from each company.
[0052]
The SW / transfer / retirement contract means 23 is a means for instructing a transaction for each subscriber. Specifically, the SW / transfer / retirement contract means 23 receives the transfer instruction (SW) or transfer / retirement information of the financial product from the subscribing company / subscriber from the office center 10 or the WEB / call center 12, and stores the data Based on this, the contents recorded in the operation DB are updated.
[0053]
Further, the SW / transfer / retirement agreement means 23 notifies the merchandise providing institution system 103 of the transaction (operation communication) of the corresponding financial product via the connection system 15. As a result, the merchandise providing institution system executes contract processing of the financial product, and notifies the system center of the result via the connection system 15.
[0054]
The deposit / purchase instruction unit 24 is a unit for instructing a transaction of contribution summarization (company unit). Specifically, the deposit / purchase instruction unit 24 receives the contribution amount information transferred to the trust account managed by the asset management organization from the asset management organization system 102 via the connection system 14. And while confirming payment based on this information, the stored contents of the balance DB are updated.
[0055]
In this case, a settlement financial institution may be separately installed in addition to the asset management institution. In this case, the company transfers the contribution amount to the trust account managed by the settlement management institution, and the settlement management institution deposits the trust account. Information will be notified to the asset management organization.
[0056]
Also, the deposit / purchase instruction unit 24 collects data for each company to the product provider system 103 via the connection system 15 based on the contents of the operation DB recorded by the contribution schedule / clamping unit 22. A contract instruction (product ordering data) is output. The merchandise provider actually executes the contract processing of the financial product based on the contract instruction, and returns the contract result to the system center 11 for each company.
[0057]
The deposit / purchase instruction means 24 outputs a transfer instruction corresponding to the contract instruction to the asset management organization system 102 via the connection system 14 when the output contract instruction is a product purchase. Based on the transfer instruction, the asset management institution transfers the merchandise purchase / sale price to the collecting account of the merchandise providing institution.
[0058]
The equity management means 25 is a means for reflecting the result with respect to said transaction instruction mainly in a balance. Specifically, the equity management means 25 receives a contract result from the commodity providing institution system 103, and executes a collective purchase process, an allocation process, an individual contract process, a profit determination process, and the like based on the contract result. Manage equity interests in financial instruments.
[0059]
In the collective purchase process, transaction result data instructed mainly by the deposit / purchase instruction means 24 is accepted from the product provider in units of enterprises, and the record contents of the balance DB are updated in units of enterprises based on such data. It is processing.
[0060]
The distribution process is a process of distributing the financial products for which the above-mentioned collective purchase has been made to the subscribers and updating the recorded contents of the balance DB for each subscriber (employee).
[0061]
The individual contract processing is mainly to receive the result data of the transaction instructed by the SW / transfer / retirement contract means 23 from the merchandise provider and update the record contents of the balance DB for each subscriber (employee) based on the data. It is a process to perform.
[0062]
Profit determination processing is processing for distributing profits such as dividends.
[0063]
The distribution process for subscribers associated with lump-sum purchases and the distribution process associated with profit determination processes are as follows.
[0064]
For example, profits are distributed evenly in principle, but a fraction may occur depending on the number of subscribers who have rights, so it is necessary to redistribute the fraction. Therefore, the distribution / redistribution process is configured as follows.
[0065]
First, the distribution calculation is performed by rounding down according to the number of right balances of each subscriber (the number of digits to be rounded down is “the number of digits after the management decimal point” +1). Next, with respect to the difference (hereinafter referred to as “fraction”) between the sum of the distribution results for all subscribers and the contract calculation, one subscriber in a predetermined order (for example, an order in which account numbers are sorted in ascending order). Redistribute one unit at a time. Then, the last person whose fraction is redistributed is stored, and the next time the distribution calculation is performed, redistribution is performed from the subscriber in the next order of the last person. If the redistribution is performed up to the last subscriber, the redistribution is continued by returning to the first subscriber.
[0066]
As a result of each of the above processes, the stored contents of the balance DB are updated based on the distribution result and contract result for each subscriber.
[0067]
(Other)
As another embodiment of the present invention, an information processing program or a recording medium on which the information processing program is recorded can be considered. As the recording medium, a CD-ROM, a magnetic disk, a semiconductor memory, or other recording media can be used.
[0068]
In this case, the information processing program is read (installed or loaded) via the communication network or from the recording medium into the data processing device, and controls the operation of the data processing device. The data processing apparatus executes the same processing as the processing by the office center 10, the system center 11, the Web / call center 12, the connection systems 13 to 15 and the like in the embodiment of the present invention under the control of the information processing program.
[0069]
It should be noted that the present invention is not limited to the above embodiments and can be applied in various modifications.
[0070]
【The invention's effect】
According to the present invention, it is possible to construct a defined contribution pension system that can flexibly cope with a change in the system by configuring the account management DB as a set of a plurality of DBs subdivided according to purpose.
[0071]
[Brief description of the drawings]
FIG. 1 is a block diagram showing a configuration of a defined contribution pension management system according to a first embodiment of the present invention.
FIG. 2 is a block diagram showing a functional configuration of a system center.
FIG. 3 is a diagram for explaining a data structure of a product provider DB and a financial product DB included in an account management DB.
FIG. 4 is a diagram for explaining a data structure of a subscriber company DB and a subscriber DB included in an account management DB.
FIG. 5 is a diagram for explaining a data structure of a balance DB and a contribution DB included in an account management DB.
FIG. 6 is a diagram for explaining data structures of a contribution management DB and an operation DB included in an account management DB.
FIG. 7 is a diagram for explaining an overall outline of a defined contribution pension system.
[Explanation of symbols]
DESCRIPTION OF SYMBOLS 1 Defined contribution pension management system 100 Operation management organization system 101 Member company system 102 Asset management organization system 103 Commodity provision organization system 10 Office center 11 System center 12 WEB / call center 13, 14, 15 Connection system

Claims (1)

The balance of contributions and asset records management, an operational management engine system of defined contribution pension that is equipped with at least a records management (record-keeping) function to perform the processing you report the information of the remaining high for subscribers ,
The account management DB to be referred to in the function is associated with the product provider institution identification code, the product provider institution DB that stores the provider attribute information, and the financial product that stores the product attribute information in association with the identification code of the financial product. DB, in association with the identification code of the subscriber company, joining company DB to store the identification code of the financial instruments that companies attribute information and該企industry has selected, in association with the identification code of the subscriber and stores the subscriber attribute information Corresponding to the subscriber DB, the identification code of the subscriber company, and the identification code of the subscriber , the balance DB that stores the balance of deposits and deposits of financial products held by each subscriber, the identification code of the subscriber company, and the subscriber in association with the identification code, contributions management DB to store the distribution ratio, the allocation amount of financial instruments owned for contributions, corresponding to the identification code of the identification code and the subscriber's subscription companies Only to, it is constituted by at least divided into operation DB to store the transaction orders and trading result of each subscriber,
Registration update means for updating stored contents of merchandise provider DB / financial product DB / subscriber company DB / subscriber DB , contribution plan / clamp means for managing subscriber contribution amount with reference to contribution management DB, operation DB A deposit / purchase instruction means for instructing the purchase of the financial product selected by the subscriber, and at least an equity management means for managing the interest of each subscriber based on the execution result of the financial product with reference to the balance DB And
The management system is a company system (participating company system) that participates in a defined contribution pension system, an asset management system (asset management system) that manages premiums as assets of the defined contribution pension system, and a financial product Is configured to be able to communicate with the system of the organization that provides
The contribution plan / clamp means receives planned amount data related to contributions and tightening instruction data for finalizing the contribution amount from the participating company system , updates the contents of the contribution management DB based on the data, and determines the defined contribution pension system. Record the purchase amount for each subscriber / financial product and the purchase amount information for each participating company / financial product, which is aggregated, in the operation DB, and apply to the participating company system and asset management system. Notifying the contribution amount information including the total contribution amount of the subscriber belonging to the company and the contribution amount of the participating company,
The deposit / purchase instruction means receives contribution amount information transferred to the trust account managed by the asset management organization from the asset management organization system, confirms the payment based on the received information, and stores the contents of the balance DB. , Based on the contents of the operation DB, to collect data for each company and output product ordering data to the product provider system, so that the product provider can execute financial product contracts.
The equity management means receives a contract result from the commodity providing institution system, and based on this, collective purchase processing for updating the record content of the balance DB for each company based on the transaction result data instructed for each company; Allocate financial products purchased in bulk to subscribers, execute distribution processing to update balance DB records for each subscriber (employee), and profit determination processing to distribute dividends and other proceeds And
In the distribution process to subscribers accompanying the collective purchase and the distribution process associated with profit determination process, if the result of distribution according to the principle of equal distribution of financial products or profits results in a fraction that is not distributed, the fraction is Redistribute one unit at a time to one subscriber in a predetermined order, remember the last person whose fraction was redistributed, and redistribute from the subscriber in the next order of the last party when distributing the fraction the next time An administrative organization system characterized by

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