JP6588724B2 - Defined contribution pension management support server and defined contribution pension management support program - Google Patents

Description

The present invention relates to a defined contribution pension management support server and a defined contribution pension management support program that present an optimal management method for a user while reflecting changes in market conditions.

  As for the defined contribution pension system, a corporate type was introduced in 2001, and an individual type was introduced in 2002. Since its introduction, companies and individual business owners who employ defined contribution pension plans have been on the rise due to economic recovery and tax benefits, and the number of hired employees is expected to increase in the future.

  However, there are many companies (including their employees) and individual business owners who are worried about how to use and manage the system, although they have adopted a defined contribution pension plan.

  According to Patent Document 1, based on the individual attribute data entered, the planned contribution amount to the defined contribution pension, and the expected investment interest rate of the defined contribution pension, the net contribution amount is calculated by subtracting the income tax amount from the planned contribution amount. Retirement year for each year up to the year, the cumulative amount for each year up to the retirement year for the income tax deduction for the entered planned contribution, the tax-free amount for the return on investment according to the planned contribution and expected investment interest Calculate the cumulative total for each year up to the retirement year of the retirement reserve amount obtained through the operation of the defined contribution pension including the cumulative total for each year up to the next, income deductions and tax exemption amount. A technique related to a defined contribution pension service system that is visually displayed in a table or a graph is disclosed.

  Patent Document 2 discloses a technique related to a system for centralized management of financial assets having a portfolio design function and an investment policy recommendation function. Specifically, in this system, the portfolio design function generates the optimal investment portfolio information by referring to the investment asset ratio by financial product and the investment information of financial institutions and financial information institutions, and the investment policy recommendation function In addition to proposing the optimum investment portfolio information required in the portfolio design function to individual customers, the loss rate and warning of a lossy financial product and the warning of the expiration date of the financial product are given.

JP 2003-44681 A JP 2001-133123 A

  However, in the defined contribution pension service system described in Patent Document 1, as described above, the retirement reserve amount obtained by the operation of the defined contribution pension is calculated for each year up to the retirement year based on the input individual attribute data. Each cumulative amount such as the cumulative total is calculated, and the calculated result is visually displayed in a table or graph.However, for example, it does not take into account changing market conditions such as the Nikkei Stock Average and exchange rate, so each cumulative amount is accurately calculated. It was difficult to calculate.

  Further, in the unified management system for financial assets described in Patent Document 2, optimal investment portfolio information is generated with reference to investment information of financial institutions and financial information institutions, and the generated optimal investment portfolio information is proposed to an individual customer. However, for example, since personal information such as the age and preference of individual customers is not taken into consideration, it is difficult to generate appropriate optimum investment portfolio information.

  Since users who decide to operate such defined contribution pensions are of various ages, there is of course a difference in the period until retirement, and the optimal management method varies depending on the period until retirement. There are many. In addition, there are users who prefer stable operations and users who prefer high-risk, high-return operations, and user preferences vary.

  Depending on the user's attributes and preferences, there may be changes in market conditions that affect operations and changes in market conditions that do not affect operations, and it is difficult to present an optimal operation method according to these changes.

The present invention has been made in view of the above problems, and provides a defined contribution pension management support server and a defined contribution pension management support program that present an optimal management method for a user while reflecting changes in market conditions. With the goal.

  In order to solve the above object, the first feature of the defined contribution pension management support server according to the present invention is a defined contribution pension management that is connected to a terminal via a network and transmits a message related to the defined contribution pension management to the terminal. Market information change rate calculation, which is a support server, collects market information via the network and user information storage means for storing user information related to the user of the terminal, and calculates a market change rate based on the collected market information A message table storage means for associating a means, a management type categorized for each of the defined contribution pension management characteristics, a range of the market rate change rate, and a message, and storing the message table as a message table; and storing in the user information storage means An operation type determining means for determining the operation type based on the user information obtained, and the message table. Message determining means for determining a message based on the message table stored in the storage means, the user operation type determined by the operation type determining means, and the market change rate calculated by the market change rate calculating means And message transmission means for transmitting the message determined by the message determination means to the terminal.

  In order to solve the above-mentioned object, a second feature of the defined contribution pension operation support server according to the present invention is that the message determination means is determined by the operation type determination means from a message table stored in the message table storage means. And determining a message that includes the user's operational type and whose market rate change rate calculated by the market rate change rate calculation means is within the range.

  In order to solve the above object, a third feature of the defined contribution pension operation support server according to the present invention is that the message determining means is determined by the operation type determining means from the message table stored in the message table storage means. If the message containing the user's operational type is a message candidate, and there is a message candidate having a market rate change rate calculated by the market rate change rate calculation means within the range, the message candidate When there is no message candidate whose market rate change rate calculated by the market rate change rate calculating means is within the range, the input message input externally is determined as a message. And the operation type of the user input externally and the external input And the range of market conditions change rate is to be stored as a message table in the message table storage means in association with the input message.

  In order to solve the above-mentioned object, a fourth feature of the defined contribution pension operation support server according to the present invention is that the message table storage means includes the operation type, the range of the market change rate, an age range, a message, Is stored as a message table, and the message determination means has a message candidate whose market rate change rate calculated by the market rate change rate calculation means is within the range, and the age range corresponding to this message candidate is set If it is, it is determined whether or not the user age included in the user information stored in the user information storage means is within the set age range, and the user age is the set age range Message candidate corresponding to the user age is determined as a message, and the user age is outside the set age range. If it is to exclude from the message the corresponding message candidates.

  In order to solve the above object, according to a fifth feature of the defined contribution pension management support server according to the present invention, the message table storage means further stores the message importance level in association with each other, and the message transmission means includes: The message determined by the message determining means is displayed in a list on the display unit based on the importance, and a message selected by external input from the displayed message is transmitted to the terminal.

  In order to solve the above-described object, the sixth feature of the defined contribution pension management support server according to the present invention is that an operation table storage stores an operation ratio range to be allocated to an operation group classified for each type of operation as an operation ratio range table. The user information stored in the user information storage means includes the operation group and an operation ratio to be allocated to the operation group in association with each other, and the operation type determination means includes the user information And the operation ratio range table, the operation group having the highest operation ratio included in the user information and the operation ratio range including the operation ratio corresponding to the operation group having the highest operation ratio are extracted. The operation type is determined based on the extracted operation group and the operation ratio range.

  In order to solve the above-mentioned object, the seventh feature of the defined contribution pension management support server according to the present invention is as market condition evaluation information by associating market condition items and market condition evaluation scores quantified corresponding to the range of market change rate. Market message evaluation score storage means for storing; status mark information storage means for storing the accumulated value of the market price evaluation score and the status mark indicating the investment status as status mark information; and the message determination means Based on the market rate change rate calculated by the market rate change rate calculating means and the market status evaluation information, a cumulative value of the market price evaluation score is calculated, and a cumulative value of the market price evaluation score calculated from the status mark information is calculated. The message transmission means extracts the status mark extracted by the message determination means together with the message. It is to send to.

  In order to solve the above object, the first feature of the defined contribution pension management support program according to the present invention is a defined contribution pension management that is connected to a terminal via a network and transmits a message regarding the defined contribution pension management to the terminal. A defined contribution pension management support program applied to a support server, comprising: a user information storage step in which user information related to a user of the terminal is stored in a user information storage means; and market information is collected via the network. A market rate change rate calculation step for calculating a market rate change rate based on the collected market status information, an investment type classified for each characteristic of defined contribution pension management, a range of the market rate change rate, and a message Message table storage step to be stored in the message table storage means as a message table And an operation type determination step for determining the operation type based on user information stored in the user information storage means, a message table stored in the message table storage means, and an operation type determination step. A message determination step for determining a message based on the operation type of the user and a market rate change rate calculated by the market rate change rate calculation step, and message transmission for transmitting the message determined by the message determination step to the terminal And executing steps.

  In order to solve the above-described object, the first feature of the defined contribution pension management support terminal according to the present invention is a defined contribution that is connected to the defined contribution pension management support server via a network and received from the defined contribution pension management support server. A defined contribution pension management support terminal for displaying a message related to pension management, wherein the defined contribution pension management support server includes user information storage means for storing user information related to a user of the terminal, and market information via the network And a market rate change rate calculating means for calculating a market rate change rate based on the collected market status information, an operation type classified by the characteristics of the defined contribution pension management, a range of the market rate change rate, a message, Message table storage means for associating and storing them as message tables, and user information stored in the user information storage means. Based on the information, the operation type determination means for determining the operation type, the message table stored in the message table storage means, the user operation type determined by the operation type determination means, and the market rate change rate Message determining means for determining a message based on the market rate change rate calculated by the calculating means, and message transmitting means for transmitting the message determined by the message determining means to the defined contribution pension operation support terminal. And a display means for displaying a message transmitted from the defined contribution pension management support server on a display screen.

  In order to solve the above object, the first feature of the defined contribution pension management support terminal program according to the present invention is a fixed contribution pension management support server connected via a network and received from the defined contribution pension management support server. A defined contribution pension management support terminal program applied to a defined contribution pension management support terminal that displays a message related to the contribution pension management, wherein the defined contribution pension management support server stores user information related to a user of the terminal Information storage means, market price change rate collecting means for collecting market price information via the network, and calculating market price change rate based on the collected market price information, and management types classified according to the characteristics of defined contribution pension management And a message table associating the range of the market change rate with the message Table storage means, operation type determination means for determining the operation type based on user information stored in the user information storage means, message table stored in the message table storage means, and operation type determination means A message determining means for determining a message based on the user operation type determined by the market price change rate calculated by the market price change rate calculating means, and the message determined by the message determining means as the defined contribution pension Message transmitting means for transmitting to the operation support terminal, and causing the computer to execute a display step of displaying the message transmitted from the defined contribution pension operation support server on a display screen.

According to the defined contribution pension management support server and the defined contribution pension management support program according to the present invention, it is possible to present an optimal defined contribution pension management method for the user while reflecting changes in market conditions.

It is a schematic structure figure showing a schematic structure of a defined contribution pension management support system which is a 1st embodiment of the present invention. It is the figure which showed an example of the user information memorize | stored in the user information storage part with which the defined contribution pension management support server which is the 1st Embodiment of this invention is provided. It is the figure which showed an example of the message table memorize | stored in the message table memory | storage part with which the defined contribution pension management support server which is the 1st Embodiment of this invention is provided. It is the flowchart explaining the process sequence of the user registration process in the defined contribution pension management support system which is the 1st Embodiment of this invention. It is the figure which showed an example of the user registration screen displayed on the screen of the portable terminal which is the 1st Embodiment of this invention. It is the figure which showed an example of the user registration screen displayed on the screen of the portable terminal which is the 1st Embodiment of this invention. It is the flowchart explaining the process sequence of the market condition information collection process in the defined contribution pension management support system which is the 1st Embodiment of this invention. It is the flowchart explaining the process sequence of the message transmission process in the defined contribution pension management support system which is the 1st Embodiment of this invention. (A) is a figure which showed an example of the message selection screen displayed on the operation part 3, (b) is the figure which expanded the pick-up template area | region of the message selection screen. It is the figure which showed an example of the message input screen displayed on the operation part of the defined contribution pension management support server which is the 1st Embodiment of this invention. It is the figure which showed an example of the search condition creation screen displayed on the operation part of the defined contribution pension management support server which is the 1st Embodiment of this invention. It is the figure which showed an example of the screen which displayed the message transmitted to the portable terminal. It is the figure which showed an example of the market condition evaluation score memorize | stored in the market condition change information storage part with which the defined contribution pension management support server which is the 2nd Embodiment of this invention is provided. It is the figure which showed an example of the status mark information memorize | stored in the market condition change information storage part with which the defined contribution pension management support server which is the 2nd Embodiment of this invention is provided. It is the flowchart explaining the process sequence of the message transmission process in the defined contribution pension management support system which is the 3rd Embodiment of this invention.

  Hereinafter, embodiments for carrying out the present invention will be described with reference to the drawings.

<First Embodiment>
FIG. 1 is a schematic configuration diagram showing a schematic configuration of a defined contribution pension management support system according to the first embodiment of the present invention.

  As shown in FIG. 1, the defined contribution pension management support system 10 has mobile terminals 2A, 2B, 2C such as smartphones, and each of the mobile terminals 2A, 2B, 2C is connected to the network 11 by wireless communication. Is done.

  Further, the defined contribution pension management support system 10 has a defined contribution pension management support server 1 connected to a network 11 by radio or cable.

  The defined contribution pension management support server 1 is a server that transmits a message regarding the defined contribution pension management operation to the mobile terminals 2A, 2B, and 2C. By executing the defined contribution pension management support program, the transmission / reception unit 101 and the user An information registration unit 102, a market change rate calculation unit 104, an operation type determination unit 107, a message table generation unit 108, an authentication unit 110, a message determination unit 111, and a message transmission unit 112 are mounted.

  Further, the defined contribution pension operation support server 1 includes a user information storage unit 103, a market condition change information storage unit 105, an operation table storage unit 106, and a message table storage unit 109 as storage units. These storage units are configured as different hard disk drives, but may be divided into areas and stored in the same hard disk drive.

  The transmission / reception unit 101 receives user information transmitted from the mobile terminals 2A, 2B, 2C connected via the network 11, or transmits a message regarding the operation of the defined contribution pension to the mobile terminals 2A, 2B, 2C. To do.

  The user information registration unit 102 stores the user information received by the transmission / reception unit 101 from the mobile terminals 2A, 2B, and 2C in the user information storage unit 103.

  In the user information storage unit 103, user information is stored by the user information registration unit 102.

  FIG. 2 is a diagram illustrating an example of user information stored in the user information storage unit 103 included in the defined contribution pension operation support server 1 according to the first embodiment of the present invention.

  As shown in FIG. 2, the user information includes information on “user name”, “mail address”, “birthday”, “gender”, “prefecture”, and “address”. Furthermore, although not shown in the figure, information of “name kana”, “password”, “phone number”, “combination of operation group and operation ratio”, “operation policy”, and “date of system participation” is also included. Of these, “user name”, “email address”, “birthday”, “gender”, “prefecture”, “address”, “name”, “password”, “phone number”, “operation group and “Combination of operation ratios”, “operation policy”, and “system participation date” are information input from the operation panel by the user as will be described later. In addition, “operation type” is stored in association with this user information. The “operation type” is information determined by the operation type determination unit 107 based on information input from the operation panel by the user.

  The market rate change rate calculation unit 104 collects market status information via the network 11 at predetermined time intervals such as January. Here, the market information includes the market items “new 10-year government bond yield”, “Nikkei 225”, “USDJPY”, “EURJPY”, “US 10-year government bond”, “Dow Industrial 30 Average”, “Dax” The “index” and its value are obtained from, for example, the Tokyo Stock Exchange site connected to the network 11.

  Then, the market rate change rate calculation unit 104 obtains market information items such as “new 10-year government bond yield”, “Nikkei 225”, “USDJPY”, “EURJPY”, “US 10-year government bond”, “Dow Industries”. The market rate of change is calculated based on the “average of 30 types of stock”, “Dachs index” and the respective values. For example, if the value of “Nikkei 225” last month was “17,000 yen” and the value of “Nikkei 225” this month was “17,340 yen”, the market rate change rate of “Nikkei 225” would be +2 ( %) (= (17,340-17,000) / 17,00). This is calculated for each market item.

  The market change information storage unit 105 stores the market change rate calculated by the market change rate calculation unit 104.

  The operation table storage unit 106 stores the operation ratio range allocated to the operation group as an operation ratio range table. The operation ratio ranges are classified into seven ranges of 0 to 6, and each range is “0: 100%”, “1:90 (%) to 99 (%)”, “2:70 (%), respectively. ) To 89 (%) "," 3:50 (%) to 69 (%) "," 4:30 (%) to 49 (%) "," 5:10 (%) to 29 (%) ", “6: 0 (%) to 9 (%)”. The operation group is a group classified for each type of operation, and is classified into six groups a to f. Each investment group has “a: principal guarantee type (only when principal weight is 100%)”, “b: domestic bonds”, “c: domestic stocks”, “d: balance”, “e: overseas receivables” , “F: Overseas stock”.

  Based on the “combination of operation group and operation ratio” and the operation ratio range table in the user information, the operation type determination unit 107 and the operation group with the highest operation ratio included in the user information and the operation with the highest operation ratio An operation ratio range including an operation ratio corresponding to the group is extracted, and an operation type is determined based on the extracted operation group and the operation ratio range.

  For example, in the user information, “b: domestic bond” 20 (%), “c: domestic stock” 75 (%), “f: overseas stock” 5 (%) as “combination of investment group and investment ratio”. Suppose it is included. At this time, the investment group with the highest investment ratio is 75 (%) “c: domestic stocks”, and the investment ratio range of 75 (%) is “2: 70 (%) to 89 (%)”. Become.

  Therefore, the operation type determination unit 107 determines “c-2” as the operation type that is character data obtained by combining the operation group and the operation ratio range.

  Thus, for any of the investment groups “b: domestic bonds”, “c: domestic stocks”, “d: balance”, “e: overseas receivables”, “f: overseas stocks”, “0: 100 % "," 1:90 (%) to 99 (%) "," 2:70 (%) to 89 (%) "," 3:50 (%) to 69 (%) "," 4:30 ( %) To 49 (%) "," 5:10 (%) to 29 (%) ", and" 6: 0 (%) to 9 (%) "are combined to determine the operation type. . However, “a: principal guaranteed type (only when principal weight is 100%)” can be combined with only “0: 100%”, and the operation type is “a-0”.

  The message table generation unit 108 generates a message table by associating the operation type, the range of the market change rate, and the message based on the input operation of the operation unit 3 by the user.

  The message table storage unit 109 stores the message table generated by the message table generation unit 108.

  FIG. 3 is a diagram illustrating an example of a message table stored in the message table storage unit 109 provided in the defined contribution pension operation support server 1 according to the first embodiment of the present invention.

  As shown in FIG. 3, the message table includes “age range”, “operation type”, “range of market change rate”, “message”, “importance”, “prefecture”, “creation month”, etc. Contains information.

  The “age range” may or may not be set. In the case of setting, “0 (age) -29 (age)”, “30 (age) -49 (age)”, “50 (age) -54 (age)”, “55 (age) -59 ( Age) ”and“ 60 (age) to 100 (age) ”. This age range can be set freely.

  The “operation type” stores an operation group or an operation type. Here, a plurality of operation groups may be set, a plurality of operation types may be set, or both operation groups and operation types may be set. For example, two operation types “c-2” and “c-5” are set in the record 201, and an operation group “c” is set in the record 202.

  “Range of market rate of change” is “new 10-year government bond yield”, “Nikkei 225”, “USDJPY”, “EURJPY”, “US 10-year government bond”, “Dow Industrial 30 Average” For each “Dachs index”, widths of “significant −”, “small width −”, “small width +”, and “significant +” are set. Assuming that the market fluctuation rate is P, “significant-” indicates P <▲ 5 (%), “small-” indicates that ▲ 5 (%) ≦ P <0 (%) “Small +” indicates that 0 (%) ≦ P <5 (%), and “Large +” indicates that 5 (%) ≦ P.

  “Message” is character string data indicating advice on the management of a defined contribution pension that meets the conditions of “age range”, “management type”, and “market rate change rate”. For example, the record 201 is set with a message “Domestic interest rate has fallen a little. OO...”, For example, the record 202 has a message “Domestic stocks remain small in the box area as usual. Fluctuating. XX ... "is set.

  “Importance” indicates importance in three stages of “の”, “◯”, and “Δ”, and the display order of the message list is determined by this importance as described later.

  “Prefecture” may or may not be set. When setting, one or more prefecture names are set.

  The “creation month” may or may not be set. When setting, one or more target months are set.

  The “prefecture” and “creation month” are used in the defined contribution pension management support system according to the third embodiment.

  Returning to FIG. 1, the authentication unit 110 receives the input mail address and password from the portable terminals 2 </ b> A, 2 </ b> B, and 2 </ b> C, and compares the received mail address and password with the mail address and password stored in the user information storage unit 103. I do. By being authenticated, the user can edit his / her user information stored in the user information storage unit 103 from the portable terminal.

  The message determination unit 111 is based on the message table stored in the message table storage unit 109, the user operation type determined by the operation type determination unit 107, and the market rate change rate calculated by the market rate change rate calculation unit 104. To determine the message.

  The message transmission unit 112 transmits the message determined by the message determination unit 111 to the mobile terminals 2A, 2B, and 2C.

<Operation of defined contribution pension management support system>
Next, the operation of the defined contribution pension management support system 10 according to the first embodiment of the present invention will be described.

  The defined contribution pension management support system 10 according to the first embodiment of the present invention mainly performs user registration processing, market information collection processing, and message transmission processing. Therefore, each process will be described in detail below.

≪User registration process≫
A user registration process in the defined contribution pension operation support system 10 according to the first embodiment of the present invention will be described.

  FIG. 4 is a flowchart for explaining the user registration processing procedure in the defined contribution pension operation support system 10 according to the first embodiment of the present invention. Here, a case where the mobile terminal 2A transmits will be described as an example. The defined contribution pension operation support terminal program is preinstalled in the portable terminal 2A, and the user registration process is started when the portable terminal 2A first activates the defined contribution pension operation support terminal program after the installation. .

  As shown in FIG. 4, when an operation for requesting user registration is performed by the user while the defined contribution pension operation support terminal program is activated in the mobile terminal 2A (step S101; YES), the mobile terminal 2A is displayed on the screen. A user registration screen is displayed (step S103).

  5 and 6 are diagrams illustrating an example of a user registration screen displayed on the screen of the portable terminal 2A according to the first embodiment of the present invention.

  As shown in FIG. 5, from the user registration screen, the user can select “name” (= user name), “name kana”, “gender”, “email address”, “password”, “confirmation password”, “birthday”. "," Prefecture "," city "," phone number "," monthly premium ", etc. can be entered.

  In addition, by scrolling the screen, as shown in Fig. 6, "Domestic bonds", "Domestic equities", "Balance", "Overseas receivables", "Overseas equities", "Management policy", "Plan entry date" Can be entered. For the asset management groups “Domestic Bonds”, “Domestic Equity”, “Balance”, “Overseas Receivables”, and “Overseas Equity”, enter the investment ratio between 0 and 100%. It is possible to input so that the total of these is 100 (%). Thereby, the “combination of operation group and operation ratio” can be set.

  In the “operation policy”, either “stable operation” or “active operation” can be selected.

  The “date of participation” is entered as the date of participation in the defined contribution pension plan. A user who has already been an employee at the time of introduction of the system inputs a “system introduction date”, and a user who has joined the company after the system introduction date inputs the date of employment.

  When the registration button B101 is pressed by the user, the portable terminal 2A determines that user information has been input (step S105; YES), and transmits the user information to the defined contribution pension operation support server 1 (step S107). ).

  When the transmission / reception unit 101 of the defined contribution pension operation support server 1 receives user information from the mobile terminal 2A via the network 11, the operation type determination unit 107 acquires user information via the user information registration unit 102, and acquires the acquired user. Based on the information and the operation ratio range table stored in the operation table storage unit 106, an operation group including the operation group having the highest operation ratio included in the user information and the operation ratio corresponding to the operation group having the highest operation ratio is included. The ratio range is extracted, and the operation type is determined based on the extracted operation group and the operation ratio range (step S109).

  Next, the user information registration unit 102 adds the operation type determined by the operation type determination unit 107 to the received user information, and stores it in the user information storage unit 103 (step S103).

  As described above, the user information and the operation type shown in FIG. 2 are stored in the user information storage unit 103 when the defined contribution pension operation support system executes the user registration process.

≪Market information collection process≫
A market information collection process in the defined contribution pension operation support system 10 according to the first embodiment of the present invention will be described.

  FIG. 7 is a flowchart illustrating a processing procedure of market information collection processing in the defined contribution pension operation support system 10 according to the first embodiment of the present invention.

  As shown in FIG. 7, when the market information collection period is reached (step S201; YES), the market rate change rate calculation unit 104 is connected to the network 11 via the transmission / reception unit 101 (not shown) or the like. The market information is collected from (step S203). Here, the collection period of the market information may be a monthly unit or a daily unit, and can be freely set by the administrator of the defined contribution pension operation support server 1. Market information is collected from, for example, the Tokyo Stock Exchange website, such as “New 10-year JGB yield”, “Nikkei 225”, “USDJPY”, “EURJPY”, “US 10-year JGB”, “Dow” Sites and the like that can appropriately collect information on “average of 30 types of industrial stocks” and “Dachs index” are set in advance.

  When the market information is collected, the market rate change rate calculation unit 104 calculates the market rate change rate (step S205). Specifically, the market rate change rate calculation unit 104 calculates the rate of change between the market status information collected last time and the market status information collected this time as the market rate change rate.

  The market change rate calculation unit 104 stores the calculated market change rate in the market change information storage unit 105.

  As described above, when the defined contribution pension management support system 10 executes the market information collection process, the market change rate shown in FIG. 2 is stored in the market change information storage unit 105.

  In the defined contribution pension management support system 10 according to the first embodiment of the present invention, when the market information is collected, the market rate change rate calculation unit 104 changes the market information collected last time and the market information collected this time. The rate was calculated, but not limited to this, the rate of change between the market information collected two times before and the market information collected this time may be calculated, and the average of the past several times of market information and the market information collected this time You may make it calculate the change rate in information.

≪Message transmission process≫
A message transmission process in the defined contribution pension management support system 10 according to the first embodiment of the present invention will be described.

  FIG. 8 is a flowchart for explaining the processing procedure of message transmission processing in the defined contribution pension operation support system 10 according to the first embodiment of the present invention.

  As shown in FIG. 8, when the administrator selects a user who wants to send a message from the management screen of the defined contribution pension management support server 1 (step S301; YES), the message determination unit 111 is selected from the user information storage unit 103. The user information corresponding to the user is acquired (step S303), and the market change rate is extracted from the market change information storage unit 105 (step S305).

  Then, the message determination unit 111 extracts a message corresponding to the record including the operation type included in the user information acquired in step S301 from the message table storage unit 109 as a message candidate (step S307). For example, when the operation type included in the user information is “c-5”, the message of the record 201 and the message of the record 202 are extracted as message candidates from the message table shown in FIG.

  Next, the message determination unit 111 determines whether there is a message with a market rate change rate within the range among the extracted message candidates (step S309). For example, the rate of change in market conditions is “New 10-year JGB yield: -2 (%)”, “Nikkei 225: -3 (%)”, “USDJPY: 6 (%)”, “EURJPY: -7 (%) ”,“ US 10-year JGB: 4 (%) ”,“ Dow Industrial 30 Average: △ 1 (%) ”,“ Dachs Index: 6 (%) ” On the other hand, it is out of the range of the market rate change rate of the record 202.

  Therefore, the message determination unit 111 leaves the message of the record 201 as a message candidate, and excludes the message of the record 202 from the message candidate.

  Next, the message determination unit 111 determines whether an age range is set in the record corresponding to the message candidate selected in step S309 (step S311). For example, in the message table shown in FIG. 3, records 201 and 203 have an age range set, and record 202 has no age range set. Therefore, the message determination unit 111 determines that the age range is set for the record 201 corresponding to the message candidate selected in step S309.

  When it is determined in step S311 that the age range is set (YES), the message determination unit 111 includes the age calculated from the “birthday” included in the user information in the set age range. It is determined whether or not (step S313).

  If it is determined in step S313 that the age calculated from the “birthday” included in the user information is included in the set age range (YES), the message candidate selected in step S309 is directly used as the message candidate. (Step S315).

  On the other hand, if it is determined in step S313 that the age calculated from the “birthday” included in the user information is not included in the set age range (NO), the message candidate selected in step S309 is selected. It excludes from a message candidate (step S317).

  When the message determination unit 111 confirms conditions such as the market rate change rate and the age range in steps S309 to S317 described above in all the messages extracted from the message table in step S307 (step S319; YES), the message selection screen Is displayed on the operation unit 3 (step S321).

  FIG. 9A is a diagram illustrating an example of a message selection screen displayed on the operation unit 3, and FIG. 9B is an enlarged view of a pickup template area of the message selection screen.

  As shown in FIG. 9A, the message selection screen selects an employee information display area 501 for displaying user information, a market information display area 502 for displaying market information, a message editing area 503, and a message. A pickup template area 504 is provided.

  In the message editing area 503, a greeting input box 503a for inputting a seasonal greeting at the beginning, a market condition overview input box 503b for inputting a market condition overview, an operation advice input box 503c for inputting operation advice, And a face mark selection button 503d representing the state of investment. As will be described later, the greeting selected from the pickup template area 504 is input to the greeting input box 503a in an editable state by the administrator. Similarly, the market condition overview selected from the pickup template area 504 is input to the market condition overview input box 503b in an editable state by the administrator. The operation advice selected from the pickup template area 504 is input to the operation advice input box 503c in an editable state by the administrator. In this case, the head sentence input to the greeting input box 503a is a header message, and the contents input to the market overview input box 503b and the operation advice input box 503c are messages regarding the operation of the defined contribution pension. The header message may be stored in the message table shown in FIG. 3 together with the message, or may be stored in association with “prefecture” and “creation month” as different tables.

  As shown in FIG. 9B, in the pickup template area 504, a plurality of message candidates selected in step S315 are listed as templates in descending order of “importance”. Here, four message candidates 511 to 514 are displayed.

  For each of the message candidates 511 to 514, a greeting tab 523a for displaying a greeting corresponding to the greeting input box 503a, a market information description tab 523b for displaying a description of the market conditions corresponding to the market condition input box 503b, and an operation An operation advice tab 523c for displaying operation advice corresponding to the advice input box 503c is provided.

  Further, an add button 531, a replace button 532, an edit button 533, and a copy button 534 are provided for each of the message candidates 511 to 514.

  The add button 531 is a button for adding the contents of the template to the corresponding input box in the message editing area 503.

  The replace button 532 is a button for replacing the content input in the corresponding input box of the message editing area 503 with the content of the template.

  The edit button 533 is a button for editing the template itself. When this button is pressed, a new editing screen is displayed.

  The duplicate button 534 is a button for creating a new template by duplicating the template itself.

  The administrator confirms the contents of the message candidates 511 to 514 listed in descending order of “importance” while checking one or more of the add button 531, the replace button 532, the edit button 533, and the copy button 534. A template is selected by pressing the button, and a header message and a message to be transmitted to the selected user are created in the message editing area 503 in step S301.

  When the administrator selects any of the face mark selection buttons 503d in the message editing area 503 and presses the registration button 503e, the message determination unit 111 determines that a message candidate has been selected (step S323; YES). The selected message candidate is determined as a message corresponding to the user selected in step S301 (step S325).

  On the other hand, if it is determined in step S309 that there is no market change rate within the range (NO), this means that there is no message in the message table that matches the condition of the user selected in step S301.

  Therefore, the message determination unit 111 displays a message input screen for inputting a new message on the operation unit 3 (step S331).

  FIG. 10 is a diagram illustrating an example of a message input screen displayed on the operation unit 3 of the defined contribution pension management support server according to the first embodiment of the present invention.

  As shown in FIG. 10, the message input screen includes a message classification selection list 401, a message name input box 402, a message input box 403, a filtering condition input box 404, an importance selection list 405, and a registration button 410. A condition editor 411 is provided.

  The message category selection list 401 is one of “greeting” selected when inputting at the beginning, “market status overview” selected when inputting market conditions, or “operation advice” selected when inputting operation advice. This is a drop-down list that can be selected.

  The message name input box 402 is an input box for inputting a message name.

  A message input box 403 is an input box for inputting a message.

  The filtering condition input box 404 is an input box for inputting conditions such as “operation type”, “range of market rate change rate”, “age range”, “prefecture”, and “creation month”. Conditions such as operation type, market change rate range, age range, prefecture, and creation month are entered as default values based on the user information of the user selected in step S301 and the market change rate. May be.

  The importance level selection list 405 is a drop-down list in which any one of ““ ”,“ ◯ ”, and“ Δ ”can be selected as the“ importance ”of the message.

  The registration button 410 is a button for confirming the contents input in the message category selection list 401, the message name input box 402, the message input box 403, the filtering condition input box 404, and the importance level selection list 405.

  The condition editor 411 is a button for displaying a search condition creation screen for inputting the filtering condition input box 404. When the condition editor 411 is pressed, a search condition creation screen is displayed.

  FIG. 11 is a diagram illustrating an example of a search condition creation screen displayed on the operation unit 3 of the defined contribution pension management support server according to the first embodiment of the present invention.

  As shown in FIG. 11, buttons 421 and 422 for selecting filtering condition items such as “creation month” and “prefecture” are provided. Here, the search condition creation screen is provided with buttons 421 and 422 for selecting “creation month” and “prefecture”, respectively, but “operation type”, “range of market change rate”, Buttons for selecting the “age range” are also provided.

  In the search condition creation screen, a condition display button 423 for selecting a filtering condition item, a condition edit input box 424 for displaying / editing the condition contents of the selected filtering condition item, and an input condition A condition application button 425 for applying contents is displayed.

  For example, if the user depresses the condition display button 423 after depressing the button 421 for selecting “creation month” as the filtering condition item and the button 422 for selecting “prefecture”, the condition editing For example, {Month ”: [“ 4 ”].“ Prefecture ”: [“ 1 ”]} is displayed in the input box 424 as a default value.

  The user can also edit the condition content displayed in the condition edit input box 424 using an input device such as a keyboard provided in the operation unit 3.

  When the user depresses the condition application button 425, the search condition creation screen is deleted, and the information input on the search condition creation screen is reflected on the message input screen shown in FIG.

  Therefore, the administrator can directly input characters to the message name input box 402, the message input box 403, and the filtering condition input box 404, or by pressing the condition editor 411, the search condition can be entered. The creation screen can be displayed, and default values can be displayed and edited on the editing screen.

  When the registration button 410 on the message input screen is pressed, the message determination unit 111 causes the message classification selection list 401, the message name input box 402, the message input box 403, the filtering condition input box 404, and the importance selection list. The message table storage unit determines that the input has been input to 405 (step S333; YES) and associates the input age range, user operation type, market change rate range, input message, importance, prefecture, and creation month. The information is added to the message table 109 and stored (step S335).

  Then, the message determination unit 111 determines the input message that has been input as a message (step S325).

  As a result, even if there is no message that matches the user's condition selected in step S301 in the message table, a new message can be created and set, and at the same time, it is added and stored in the message table. Therefore, the user can be selected as a message candidate after that.

  As described above, the message selected in step S321 is, for example, at a predetermined time interval such as January, and the message transmitting unit 112 via the network 11 of the user's portable terminal selected in step S301. Send a message to

  FIG. 12 is a diagram illustrating an example of a screen that displays a message transmitted to the mobile terminal.

  When the mobile terminal starts the defined contribution pension operation support terminal program, a message browsing screen for displaying a message as shown in FIG. 12 is displayed.

  In the message browsing screen, a destination display area 301 for displaying a destination, an opening sentence display area 302 for displaying a header message such as a greeting of a time, a message display area 303 for displaying a message including a market overview and operational advice, A face mark display area 304 for displaying a face mark indicating the current investment state is divided and displayed.

  As a result, a message regarding the operation of his / her defined contribution pension is periodically displayed on the user's mobile terminal, so the user should be able to manage the current state of his / her operation and how it will be operated in the future. You can figure out what to do.

  As described above, according to the defined contribution pension operation support server 1 according to the first embodiment of the present invention, the user information storage unit 103 that stores user information related to the users of the mobile terminals 2A, 2B, and 2C, and the network 11 The market condition change rate calculation unit 104 that calculates market rate change rate based on the collected market status information, and the operation of the defined contribution pension based on the user information stored in the user information storage unit 103 An operation type determination unit 107 that determines an operation type classified for each characteristic, a message table storage unit 109 that stores an operation type, a range of a market change rate, and a message in association with each other, and a message table storage Message table stored in the unit 109 and the user operation type determined by the operation type determination unit 107 , Message determination unit 111 that determines a message based on the market rate change rate calculated by market rate change rate calculation unit 104, and message transmission that transmits the message determined by message determination unit 111 to portable terminals 2A, 2B, and 2C Therefore, it is possible to present an optimal operation method for the user while reflecting changes in the market conditions.

  In the first embodiment of the present invention, when the market change rate calculation unit 104 reaches a predetermined collection period, it collects market information, calculates the market change rate, and stores it in the market change information storage unit 105. Although memorized, it is not limited to this.

  For example, a market information storage unit that stores market information is provided. When the administrator selects a user who wants to send a message from the management screen of the defined contribution pension operation support server 1, the market information stored in the market information storage unit is displayed. Based on this, the market rate change rate may be calculated.

<Second Embodiment>
In the first embodiment of the present invention, the administrator selects any one of the face mark selection buttons 503d in the message editing area 503 on the message selection screen displayed on the operation unit 3, thereby allowing the portable terminals 2A, 2B, The description has been given by taking as an example a defined contribution pension management support system that displays a face mark indicating the current investment state in the face mark display area 304 of the 2C message browsing screen.

  In the second embodiment of the present invention, a defined contribution pension management in which a face mark indicating the current investment state is automatically selected and displayed in the face mark display area 304 of the message browsing screen of the mobile terminals 2A, 2B, 2C. The support system will be described as an example.

  The defined contribution pension management support server 1 according to the second embodiment of the present invention has the same configuration as the defined contribution pension management support server 1 according to the first embodiment of the present invention shown in FIG. Will be described with reference to FIG.

  The market change information storage unit 105 stores, in addition to the market change rate information, a market evaluation score that is quantified corresponding to the market change rate range for each market item.

  FIG. 13 is a diagram illustrating an example of the market price evaluation score stored in the market price change information storage unit 105.

  As shown in FIG. 13, a “code” that uniquely indicates a market condition item, a “market condition item”, and a “market evaluation score” quantified with respect to the range of the market change rate are associated with each other. Here, the “market condition item” is the same as the “market condition item” in the message table shown in FIG. In addition, the “range of market rate change” is the same as the “range of rate of market change” in the message table shown in FIG. 3, and the market items “new 10-year government bond yield”, “Nikkei 225”, “ For each of “USDJPY”, “EURJPY”, “US 10-year JGB”, “Dow Industrial 30 Average”, and “Dachs Index”, “Large-”, “Narrow-”, “Narrow +”, “Large +” The width is set. Assuming that the market fluctuation rate is P, as in Fig. 3, "Large-" indicates that P <▲ 5 (%), and "Small-" indicates -5 (%) ≤ P <0 (%). “Narrow width +” indicates 0 (%) ≦ P <5 (%), and “Significant +” indicates 5 (%) ≦ P.

  The “market evaluation score” shown in FIG. 13 is “▲ 20” for “significant-”, “▲ 10” for “small-width”, “10” for “small-width +”, and “large-plus”. “20”.

  Further, the market change information storage unit 105 stores the accumulated value of the market evaluation score and the face mark indicating the investment state in association with each other and stores it as situation mark information.

  FIG. 14 is a diagram illustrating an example of the situation mark information stored in the market situation change information storage unit 105.

  As shown in FIG. 14, when the accumulated value of the market price evaluation score is “50 points or more”, a smiling face mark 501 indicating that the investment state is good is associated. In addition, when the cumulative value of the market evaluation score is “-40 points to 40 points”, a normal face mark 502 indicating that the investment state is flat or not is associated with the market evaluation score. When the cumulative value is “▲ 80 points to ▲ 50 points”, an angry face mark 503 indicating that the investment state is not good is associated, and when the cumulative value of the market evaluation score is “▲ 90 points or less”, A sad face mark 504 indicating that the investment state is bad is associated.

  Then, the message determination unit 111 calculates a cumulative value of the market price evaluation score based on the market price change rate stored in the market price change information storage unit 105 and the market price evaluation information. For example, the rate of change in market conditions is “new 10-year government bond yield: -2 (%)”, “Nikkei 225: -3 (%)”, “USDJPY: 6 (%)”, “EURJPY: -7 (%) ”,“ US 10-year government bond: 4 (%) ”,“ Dow Industrial 30 average: ▲ 1 (%) ”,“ Dachs index: 6 (%) ”,“ New 10-year government bond yield ” The market evaluation score of “▲ 10”, the market evaluation score of “Nikkei 225” is “▲ 10”, the market evaluation score of “USDJPY” is “20”, and the market evaluation score of “EURJPY” is “▲ 20”, “ The US 10-year government bond has a market rating of “10”, the “Dow Industrial 30 Average” has a market rating of “10”, and the “Dachs Index” has a market rating of “20”.

  Then, the message determination unit 111 calculates the cumulative value of the market price evaluation scores, which is the sum of all the market price evaluation scores, as “0” (= −10−10 + 20−20 + 10−10 + 20).

  Next, the message determination unit 111 extracts a face mark corresponding to the accumulated value of the market price evaluation score calculated from the situation mark information. In the example shown in FIG. 14, since the cumulative value of the market price evaluation score is “0”, a normal face mark 502 corresponding to this is extracted.

  Then, for example, at a predetermined time interval such as January, the message transmission unit 112 transmits the face mark 502 together with the message to the selected user's mobile terminal via the network 11.

  As described above, in the second embodiment of the present invention, the message determination unit 111 calculates the accumulated value of the market price evaluation score based on the market price change rate calculated by the market price change rate calculation unit 104 and the market price evaluation information. The face mark corresponding to the cumulative value of the market evaluation score calculated from the situation mark information is extracted, and the message transmission unit 112 transmits the situation mark extracted by the message determination unit 111 to the terminal together with the message. Therefore, since a face mark is displayed on the screen of the terminal in addition to the message, the user can grasp the current market situation at a glance.

  In the second embodiment of the present invention, the situation mark has been described. However, the situation mark is not limited to the face mark, and may be a symbol that can be recognized at a glance whether the investment state is good or bad. For example, the investment state may be expressed by the weather such as sunny, cloudy, rainy, or the investment may be expressed by the direction of the arrow.

<Third Embodiment>
In the first embodiment of the present invention, the message determination unit 111 includes the user's operation type determined by the operation type determination unit 107 from the message table stored in the message table storage unit 109, and calculates the market change rate The fixed contribution pension management support system that determines a message whose market rate change rate calculated by the unit 104 is within the range has been described as an example.

  In the third embodiment of the present invention, the market type change rate calculated by the market rate change rate calculation unit 104 includes the user's operation type determined by the operation type determination unit 107, and the prefecture As an example, a defined contribution pension management support system that determines messages with the same creation month as a message will be described.

  FIG. 15 is a flowchart illustrating a processing procedure of message transmission processing in the defined contribution pension operation support system according to the third embodiment of the present invention. In this flowchart, the processing from steps S301 to S307 and steps S321 to S335 in the flowchart shown in FIG.

  As illustrated in FIG. 15, when the message determination unit 111 extracts a message corresponding to a record including the operation type included in the user information as a message candidate in step S307, the message determination unit 111 includes the extracted message candidates. Then, it is determined whether there is a market change rate within the range (step S401).

  Next, the message determination unit 111 determines whether an age range is set in the record corresponding to the message candidate selected in step S401 (step S405), and it is determined that the age range is set. In the case (YES), the message determination unit 111 determines whether the age calculated from the “birthday” included in the user information is included in the set age range (step S405).

  If it is determined in step S405 that the age calculated from the “birthday” included in the user information is not included in the set age range (NO), the message candidate selected in step S401 is the message candidate. (Step S417).

  On the other hand, when it is determined in step S405 that the age calculated from the “birthday” included in the user information is included in the set age range (YES), the message determination unit 111 corresponds to the message candidate. It is determined whether or not the prefecture is set in the record to be performed (step S407), and when it is determined that the prefecture is set (YES), the message determination unit 111 determines the state and prefecture included in the user information. It is determined whether or not they match (step S409).

  If it is determined in step S409 that the prefecture included in the user information does not match the set prefecture (NO), the message candidate selected in step S401 is excluded from the message candidates (step S417).

  On the other hand, when it is determined in step S409 that the prefecture included in the user information matches the set prefecture (YES), the message determination unit 111 sets the creation month in the record corresponding to the message candidate. If it is determined that the creation month is set (YES), the message determination unit 111 determines whether or not it matches the creation month included in the user information. (Step S413).

  If it is determined in step S413 that the creation month included in the user information does not match the set creation month (NO), the message candidate selected in step S401 is excluded from the message candidates (step S417).

  On the other hand, if it is determined in step S413 that the creation month included in the user information matches the set creation month (YES), the message candidate selected in step S401 is left as a message candidate (step S415). Then, the process proceeds to step S419.

  As described above, the message determination unit 111 includes the user's operation type determined by the operation type determination unit 107 and the message candidate whose market rate change rate calculated by the market rate change rate calculation unit 104 is within the range. And whether it is within the set age range, whether it matches the set prefecture, and whether it matches the set creation month, and based on the determination result Determine the message.

  Therefore, by setting “Prefecture” or “Making Month” in the message table in advance, for example, the message content can be changed for each prefecture, or the message content can be changed every creation month. it can.

  Further, the above-described embodiment can also be realized by executing a defined contribution pension management support system program installed in a computer. The defined contribution pension management support system program has a defined contribution pension management support program installed in the defined contribution pension management support server 1 and a defined contribution pension management support terminal program installed in the mobile terminals 2A to 2C. By installing each program, the defined contribution pension management support system is realized.

1 ... defined contribution pension management support server 2A, 2B, 2C ... mobile terminal (defined contribution pension management support terminal)
DESCRIPTION OF SYMBOLS 3 ... Operation part 10 ... Defined contribution pension management support system 11 ... Network 101 ... Transmission / reception part 102 ... User information registration part 103 ... User information storage part 104 ... Market condition change rate calculation part 105 ... Market condition change information storage part 106 ... Operation table storage Unit 107 ... Operation type determination unit 108 ... Message table generation unit 109 ... Message table storage unit 110 ... Authentication unit 111 ... Message determination unit 112 ... Message transmission unit

Claims (8)

A defined contribution pension management support server connected to a terminal via a network and transmitting a message regarding the defined contribution pension management to the terminal,
User information storage means for storing user information regarding the user of the terminal;
A market rate change rate calculating means for collecting market status information via the network and calculating a market rate change rate based on the collected market status information;
A message table storage means for associating an operation type classified for each operation characteristic of the defined contribution pension, a range of the market rate change rate, and a message in association with each other, as a message table;
An operation type determining means for determining the operation type based on user information stored in the user information storage means;
A message for determining a message based on a message table stored in the message table storage means, a user operation type determined by the operation type determination means, and a market change rate calculated by the market change rate calculation means A determination means;
Message transmitting means for transmitting the message determined by the message determining means to the terminal;
A defined contribution pension management support server characterized by comprising: The message determination means includes
A message that includes the operation type of the user determined by the operation type determination unit from the message table stored in the message table storage unit, and the market rate change rate calculated by the market rate change rate calculation unit is within the range. The defined contribution pension management support server according to claim 1, wherein: The message determination means includes
A message including the user's operation type determined by the operation type determination unit is determined as a message candidate from the message table stored in the message table storage unit, and is calculated by the market rate change rate calculation unit from among the message candidates. When there is a message candidate whose market rate change rate is within the range, the message candidate is determined as a message, while the market rate change rate calculated by the market rate change rate calculating means is selected from the message candidates. In the case where there is no message candidate, the externally input message is determined as the message, and the externally input user operation type, the externally input market change rate range, and the input message are associated with each other. A message table in the message table storage means Defined contribution pension management support server according to claim 1, characterized in that to and stored. The message table storage means includes
Storing the operation type, the range of the market change rate, the age range, and a message in association with each other as a message table;
The message determination means includes
If there is a message candidate whose market rate change rate calculated by the market rate change rate calculating means is within the range, and the age range corresponding to this message candidate is set, the user stored in the user information storage means It is determined whether the user age included in the information is within the set age range, and the corresponding message candidate is determined as a message when the user age is within the set age range, The defined contribution pension operation support server according to claim 3, wherein a message candidate corresponding to a case where the user age is outside the set age range is excluded from the message. The message table storage means includes
In addition, the importance of the message is associated and stored,
The message transmission means includes:
The message determined by the message determining means is displayed in a list on a display unit based on the importance, and a message selected by external input from the displayed message is transmitted to the terminal. The defined contribution pension management support server according to any one of 1 to 4. An operation table storage means for storing an operation ratio range to be allocated to the operation group classified for each operation type as an operation ratio range table is further provided.
The user information stored in the user information storage means includes the operation group and the operation ratio allocated to the operation group in association with each other,
The operation type determination means includes
Based on the user information and the operation ratio range table, the operation group having the highest operation ratio included in the user information, and the operation ratio range including the operation ratio corresponding to the operation group having the highest operation ratio, The defined contribution pension operation support server according to any one of claims 1 to 5, wherein the operation type is determined based on the extracted operation group and the operation ratio range. A market assessment score storage means for associating a market assessment item with a market assessment score that is quantified corresponding to the range of the market change rate and storing it as market assessment information;
A situation mark information storage means for associating and storing the cumulative value of the market price evaluation score and the situation mark indicating the investment status as situation mark information;
The message determination means includes
Based on the market price change rate calculated by the market price change rate calculation means and the market price evaluation information, a cumulative value of the market price evaluation score is calculated, and the calculated market price evaluation score is calculated from the status mark information. Extracting the corresponding status mark,
The message transmission means includes:
The defined contribution pension operation support server according to any one of claims 1 to 6, wherein the status mark extracted by the message determination unit is transmitted to the terminal together with the message. A defined contribution pension management support program applied to a defined contribution pension management support server connected to a terminal via a network and transmitting a message regarding the defined contribution pension management to the terminal,
On the computer,
A user information storage step of storing user information relating to the user of the terminal in a user information storage means;
A market rate change rate calculating step for collecting market status information via the network and calculating a market rate change rate based on the collected market status information;
A message table storage step for storing the operation type classified according to the characteristics of the defined contribution pension operation, the range of the market rate change rate, and the message in the message table storage means in association with the message;
An operation type determination step for determining the operation type based on user information stored in the user information storage means;
A message for determining a message based on the message table stored in the message table storage means, the user operation type determined in the operation type determination step, and the market rate change rate calculated in the market rate change rate calculation step A decision step;
A message transmission step of transmitting the message determined by the message determination step to the terminal;
A defined contribution pension management support program characterized by