JP6703768B2 - Reserve pension processing device, method, and computer program - Google Patents

Description

The present invention relates to a technique for accumulating a part of the price as a funded pension for a purchaser of a product according to the purchase of the product.

Public pensions play an important role as a source of income for old age.
In this public pension system, there are a funded system that accumulates paid money and receives the money after old age, and a pay-as-you-go system that pays the money paid by working people to the current elderly. In Japan, intergenerational support is realized by a pay-as-you-go system.

However, many advanced countries are facing the end of the era of high economic growth, and are facing budget deficits due to the declining birthrate, etc., and some countries are obliged to join all the people, and some are not. Therefore, it is very difficult to maintain a public pension system by pay-as-you-go system.
On the other hand, there are few elderly people who live on savings and personal pensions for retirement, and it is necessary to maintain and stably operate a public pension system.

For example, in Patent Document 1, the public pension finance is predicted and the risk is probabilistically analyzed in view of the situation that the burden on the active generation is unavoidably increased due to the declining birthrate and aging population. You can see from the proposed system.

JP, 2008-257310, A

Therefore, it is considered necessary to gradually change from the pay-as-you-go system to the funding system, but it is difficult to suddenly switch from the pay-as-you-go system to the funding system. Moreover, even if the system is switched to the fund-saving method, if the number of people who save for their old age increases, consumption will be sluggish and economic growth will further slow down.
In addition, in the method of using the tax collected by the consumption tax as a pension, the person who shopped pays the consumption tax at a rate uniformly determined by the government.
In view of these points, the inventor of the present application has come to think that there should be a method of accumulating as a pension the rate or amount determined by the store according to the amount of shopping or the product.

Therefore, an object of the present invention is to provide a technology in which an annuity is accumulated by consumption such as purchase of a product, whereby an annuity can be accumulated while avoiding a slump in consumption.

In order to achieve the above object, a funded pension processing device according to one aspect of the present invention provides a funded pension service that reserves a part of the price of the product as a funded pension of the user in response to the user's purchase of the product. A device for providing, a store terminal installed in a store that sells the above-mentioned product, a financial institution terminal that executes processing related to payment of payment for the product purchased by the user and accumulation of pension, and a network Through the store, the accumulated pension information storage means for storing accumulated pension information related to the accumulated pension according to the purchase of the product by the user, and the purchase of the product by the user from the store terminal. Payment information that receives the user identification information that identifies the user, the payment price associated with the product purchase by the user, and the information about the accumulated pension amount set for the product purchased by the user. Regarding the information receiving means and the user's product purchase identified by the user identification information, the financial institution terminal, together with the payment information, a payment processing request for the payment of the payment to the store, and the purchase by the user Processing request transmitting means for transmitting a reserve processing request for a reserve pension set for the product, completion notification receiving means for receiving a notification from the financial institution terminal that the reserve processing for the reserve pension is completed, and And a reserve pension registration means for registering information relating to the reserve pension for which the reserve process has been completed in the reserve pension information storage means.

Further, with respect to each user, the user information storage unit that stores the applicability of the funded pension service, and the user identified by the user identification information with reference to the user information storage unit, And a determination processing unit for determining whether or not the funded pension service is applicable according to the purchase of the product, wherein the processing request transmission unit responds to the purchase of the product for the user identified by the user identification information. When it is determined that the funded pension service can be applied, payment of the settlement price to the store together with the settlement information to the financial institution terminal for the purchase of the product of the user identified by the user identification information. The processing request and the reserve processing request for the reserve pension set for the product purchased by the user may be transmitted.

Further, a personnel and labor information management device having a personnel and labor information storage means for storing personnel and labor information as a worker of the user, and further configured to be communicable via a network, refer to the personnel and labor information storage means. Further, the applicability registration means for registering the applicability of the funded pension service determined according to the personnel and labor information in the user information storage means may be further provided.

Further, a target product information receiving unit configured to be communicable with a user terminal used by the user via a network and receiving target product information related to a target product of the funded pension service from the store terminal. The target product information distribution means for distributing the target product information to the user terminal may be further included.

An inquiry request is received, which is configured to be able to communicate with a user terminal used by the user via a network, and receives an inquiry request for the funded pension information together with the user identification information from the user terminal. Means and the reserve pension information storage means, and based on the user identification information, extraction processing means for extracting the reserve pension information, and a reserve for transmitting the reserve pension information to the user terminal. The pension information transmitting means may be further included.

The processing request further includes a transfer information storage unit that stores transfer information regarding a part of the accumulated pension funded in accordance with the purchase of the product by the user to a third party other than the user. The transmitting means may further transmit the transfer information stored in the transfer information storage means.

Further, it refers to the transfer information receiving means for receiving the transfer information from the user terminal and the transfer information storing means, which is configured to be communicable with the user terminal used by the user via the network. Further, a transfer information registration means for registering the transfer information may be further provided.

Further, a funded pension processing device according to another aspect of the present invention is a device for providing a funded pension service for accumulating a part of the price of the product as a funded pension of the user in response to a product purchase by the user. It is possible to communicate via a network with a store terminal installed in a store that sells the product, and a financial institution terminal that executes processing related to payment of the product purchase by the user and accumulation of annuity. The product information storage unit configured to store the setting information relating to the accumulated pension amount set for each product, and the accumulated pension information related to the accumulated pension according to the purchase of the product by the user. From the accumulated pension information storage means and the store terminal, the user identification information for identifying the user and the information on the payment price associated with the product purchase by the user are received as payment information for the product purchase by the user. With reference to the payment information receiving means and the product information storage means, extraction processing means for extracting setting information related to the accumulated annual amount set in the product purchased by the user, and the user identification information. Regarding the product purchase of the identified user, the payment processing request for the payment of the payment to the store and the product purchased by the user are set to the financial institution terminal together with the payment information and the setting information. Processing request transmitting means for transmitting a reserve processing request for a reserve pension, completion notification receiving means for receiving a notice from the financial institution terminal that the reserve processing for the reserve pension is completed, and the reserve pension for which the reserve processing is completed And a reserve pension registration means for registering information relating to the above in the reserve pension information storage means.

Further, based on the payment information received from the store terminal, the determination processing unit that refers to the product information storage unit and determines whether the product purchased by the user is a target product of the funded pension service. The product information storage means further stores setting information relating to the accumulated pension amount set for each target product of the funded pension service, and the extraction processing means is a user. When it is determined that the product purchased by the user is a target product of the funded pension service, referring to the product information storage means, it relates to the accumulated pension amount set for the target product purchased by the user. The setting information may be extracted.

Also, setting information receiving means for receiving from the store terminal setting information relating to the accumulated annual amount set for the product, and setting information registration means for registering the setting information with reference to the product information storage means. , May be further included.

Further, a funded pension processing method according to another aspect of the present invention is a method for providing a funded pension service for accumulating a part of the price of the product as a funded pension for the user in response to the user's purchase of the product. It is possible to communicate via a network with a store terminal installed in a store that sells the product, and a financial institution terminal that executes processing related to payment of the product purchase by the user and accumulation of annuity. The computer having the accumulated pension information storage means for storing accumulated pension information relating to the accumulated pension accumulated in accordance with the purchase of the commodity by the user, from the store terminal to the purchase of the commodity by the user. As the payment information, a process of receiving user identification information for identifying the user, a payment price associated with the product purchase by the user, and information on a reserve amount set for the product purchased by the user. Regarding the product purchase of the user identified by the user identification information, the financial institution terminal sets the payment information together with the payment information, the payment processing request for the payment for the store, and the product purchased by the user. Process for transmitting a funded pension reserve request, a process for receiving a notice from the financial institution terminal that the fund pension reserve process has been completed, and information related to the fund pension fund for which the fund reserve process has been completed. And a process of registering the above in the accumulated pension information storage means.

A computer program according to another aspect of the present invention is a computer program for providing a funded pension service in which a part of the price of the product is accumulated as a funded pension for the user in response to the product purchase by the user. Therefore, it is possible to communicate via a network with a store terminal installed in a store that sells the above products, and a financial institution terminal that executes processing related to payment of the product purchase by the user and accumulation of pensions. To the computer having the accumulated pension information storage unit configured to store accumulated pension information relating to the accumulated pension accumulated according to the purchase of the product by the user, from the store terminal to the purchase of the product by the user. As the payment information, a process of receiving user identification information for identifying the user, a payment price associated with the product purchase by the user, and information on a reserve amount set for the product purchased by the user. Regarding the product purchase of the user identified by the user identification information, the financial institution terminal sets the payment information together with the payment information, the payment processing request for the payment for the store, and the product purchased by the user. Process for transmitting a funded pension reserve request, a process for receiving a notice from the financial institution terminal that the fund pension reserve process has been completed, and information related to the fund pension fund for which the fund reserve process has been completed. And a process of registering the above in the accumulated pension information storage means.

Further, a funded pension processing method according to another aspect of the present invention is a method for providing a funded pension service in which a part of the price of the product is funded as the funded pension of the user in response to the user's purchase of the product. A store terminal installed in a store that sells the product, and a financial institution terminal that executes processing relating to payment of the product purchase by the user and accumulation of annuity,
According to the product information storage means configured to be communicable via a network and storing the setting information relating to the accumulated pension amount set for each product, and the accumulated pension funded according to the purchase of the product by the user. With a computer having a funded pension information storage unit that stores funded pension information, user identification information for identifying the user and payment by the user from the store terminal as payment information for product purchase by the user. A process of receiving information related to the payment price associated with the purchase of a product, a process of referring to the product information storage means, and extracting setting information related to the accumulated pension amount set in the product purchased by the user, Regarding the product purchase of the user identified by the user identification information, the financial institution terminal, together with the payment information and the setting information, a payment processing request for the payment for the payment to the store, and the purchase by the user The process of transmitting the reserve processing request for the reserve pension set for the product, the process of receiving a notification from the financial institution terminal that the reserve process of the reserve pension is completed, and the reserve pension for which the reserve process is completed. And a process of registering the information related to the above in the accumulated pension information storage means.

A computer program according to another aspect of the present invention is a method for providing a funded pension service that reserves a part of the price of the product as a funded pension for the user in response to a product purchase by the user. , A store terminal installed in a store that sells the above-mentioned product, a financial institution terminal that executes processing related to payment of the purchase of the product by the user and accumulation of a pension, and communication through a network Was
Merchandise information storage means for storing setting information relating to the accumulated pension amount set for each commodity, and accumulated pension information storage for storing accumulated pension information relating to accumulated pension according to purchase of the commodity by the user. Means for a computer having the means, user identification information for identifying the user, as payment information for the purchase of the product by the user from the store terminal, and information on the payment price associated with the purchase of the product by the user. Identified by the user identification information, the process of receiving the setting information relating to the accumulated pension amount set in the product purchased by the user, with reference to the product information storage means. Regarding the user's product purchase, the payment processing request for the payment of the payment to the store and the reserve pension set for the product purchased by the user to the financial institution terminal together with the payment information and the setting information. The process of transmitting a reserve process request, the process of receiving a notice from the financial institution terminal that the reserve process of the reserve pension is completed, and the information related to the reserve pension for which the reserve process is completed, the reserve pension information storage The processing to be registered in the means is executed.

According to the present invention, a pension is accumulated by consumption such as purchase of merchandise, which makes it possible to accumulate a pension while avoiding a slump in consumption.

It is a functional block diagram showing a function with which a reserve pension processing device according to the first embodiment of the present invention is provided. It is the figure which showed an example of the data memorize|stored in the user information DB in the reserve pension processing apparatus which concerns on this embodiment. It is a sequence diagram showing the flow of processing performed by the reserve pension processing device according to the present embodiment. It is the figure which showed the flow of movement of the settlement price etc. which are performed in a financial institution based on the processing request by the reserve pension processing apparatus which concerns on this embodiment. It is the figure which showed the flow of movement of the settlement price etc. which are performed in a financial institution based on the processing request by the reserve pension processing apparatus which concerns on this embodiment. It is a sequence diagram showing the flow of processing performed by the reserve pension processing device according to the present embodiment. It is a functional block diagram showing a function with which a reserve pension processing device according to a second embodiment of the present invention is provided. It is the figure which showed an example of the data memorize|stored in goods information DB in the reserve pension processing apparatus which concerns on this embodiment. It is a sequence diagram showing the flow of processing performed by the reserve pension processing device according to the present embodiment. It is a functional block diagram showing a function with which a reserve pension processing device according to a third embodiment of the present invention is provided. It is a sequence diagram showing the flow of processing performed by the reserve pension processing device according to the present embodiment. It is a sequence diagram showing the flow of processing performed by the reserve pension processing device according to the present embodiment. It is the figure which showed the flow of movement of the settlement price etc. which are performed in a financial institution based on the processing request by the reserve pension processing apparatus which concerns on this embodiment. It is the figure which showed an example of the data memorize|stored in transfer information DB in the reserve pension processing apparatus which concerns on another viewpoint of this invention.

Hereinafter, a funded pension processing device according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 shows the configuration of a reserve pension processing device 1 according to the first embodiment.
The reserve pension processing device 1 is a device for providing a reserve pension service in which a person who purchases a predetermined product reserves a part of the price of the product as a reserve pension.
This reserve pension processing device 1 is a user terminal 2 of a user who uses a reserve pension service, a store terminal 3 installed in a store that sells products, and payment and pension payment for payment of a product purchased by the user. It is configured to be able to communicate with a financial institution terminal 4 installed in a financial institution that executes a process related to reserve through a network NW such as the Internet.

In this example, in the case of purchasing a product, the product is not limited to any tangible or intangible property, movables or real estate, and includes intangible services and includes at least general transactions in which consideration is generated.

The reserve pension processing device 1 is realized by a so-called server computer or the like, and has hardware resources such as a CPU (Central Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), and a hard disk drive, and a computer program executed by the CPU. Software resources such as the above constitute a functional block including a user information DB 1A, a store information DB 1B, a reserve pension information DB 1C, a determination processing unit 11, an extraction processing unit 12, a reserve pension registration unit 13, and a communication processing unit 14.

The user information DB 1A is a storage unit that stores information about users who have registered to use the funded pension service.
As shown in FIG. 2, for example, as shown in FIG. 2, the user information DB 1A stores information on the user name and the applicability of the funded pension service for each user ID capable of identifying the user. In addition, in the case of paying the price associated with the purchase of a product directly from the user's account, the information on the user's account may be stored.

The applicability of the funded pension service is information indicating whether or not the registered user is applicable to the funded pension service. This applicability is set depending on whether or not it meets an arbitrary condition defined by the operator of the service. The optional conditions include, for example, personal information such as age, sex, nationality, and qualifications of the user, employment contract information such as annual income, job title, employment type, etc., as well as the date and time zone, Conditions that are unrelated to individual attributes such as location may be used. The condition may not be set.

The store information DB 1B is a storage unit that stores information about stores that sell products to users.
The store information DB 1B stores, for each store ID that can identify the store, information such as the store name and the transfer destination account for sales associated with the sale of the product.

The accumulated pension information DB 1C is a storage unit that stores information on accumulated pensions accumulated for each user.
In the accumulated pension information DB 1C, the accumulated pension is renewed and registered by the accumulated pension registration unit 13 in accordance with the product purchase by the user.

The judgment processing unit 11 refers to the user information DB 1A when receiving the settlement information associated with the purchase of the product together with the user ID from the store terminal 3, and refers to the user information DB 1A to reserve pension for the user identified by the user ID. A process for determining whether the service can be applied is executed.

The extraction processing unit 12 executes a process of extracting information necessary for each process such as payment of a product and accumulation of a pension from the user information DB 1A, the store information DB 1B, or the reserve pension information DB 1C. In addition, in response to a user's request for a reserve pension, the reserve pension information associated with the user ID of the user is extracted from the reserve pension information DB 1C.

The funded pension registration unit 13 refers to the funded pension information DB 1C and registers the funded pension of the user in response to the completion of the funded pension fund saving process based on the product purchase by the user.

The communication processing unit 14 is a functional unit that executes data transmission/reception processing with the user terminal 2, the store terminal 3, and the financial institution terminal 4 via the network NW such as the Internet.
The reserve pension processor 1 receives the payment information from the store terminal 3 and transmits the payment process request and the reserve pension process request to the financial institution terminal 4 by the communication processing unit 14.

The user terminal 2 is a terminal used by a user who enjoys a funded pension service and obtains a funded pension by purchasing a target product of the funded pension service.
The user terminal 2 is realized by a terminal capable of transmitting/receiving data and inputting/outputting data via a network NW such as the Internet such as a so-called personal computer or tablet terminal. The user uses the user terminal 2 to access the reserve pension processing device 1 via a predetermined website or the like to send a request for a reserve pension of the user or receive the inquiry result. You can

The store terminal 3 is a terminal installed in a store that sells products to users, and is realized as a POS terminal or a computer having a function as a POS terminal.
This store terminal 3 is required to execute processing required for payment associated with the user's purchase of a product, and to provide the user with a reserve pension set for the product for the reserve pension processing device 1. Provide information.

The financial institution terminal 4 is a terminal installed in a financial institution that executes processing relating to payment of a product purchase by a user and accumulation of annuity, and is realized by a server computer or the like.
The financial institution terminal 4 executes payment for products and transfer of accumulated pensions between accounts of stores and users in response to a request from the accumulated pension processing device 1, whereby payment of products and payment of pensions are made. The reserve of is executed.

Subsequently, a flow of processing by the reserve pension processing device 1 according to the present embodiment will be described with reference to FIG.
In order to enjoy the funded pension service, the user must register the service in advance or at the time of purchasing the target product of the funded pension service.

When the user purchases the target product of the reserve pension service at the store (S101), the settlement information is transmitted from the store terminal 3 to the reserve pension processing device 1 (S102).
This payment information includes a user ID for identifying the user, information on the payment price associated with the product purchase by the user, and information on the accumulated pension amount set for the product purchased by the user. There is.

Note that the information about the accumulated pension amount set for the product is information indicating how much of the payment price of the product purchased by the user is the accumulated pension amount. Alternatively, it may be configured as a percentage of the payment amount.

In addition, the payment information also includes the name of the store and the user, information about the payment method of the product by the user, and the like. Payment methods include credit card payment and account withdrawal.However, even if the payment information includes information necessary for payment of the payment such as credit card information for credit card payment and account information for account withdrawal. Alternatively, it may be registered in the user information DB 1A or the store information DB 1B in advance and extracted.

The funded pension processing device 1 that has received the payment information refers to the user information DB 1A by the judgment processing unit 11 and judges whether or not the funded pension service according to the product purchase is applicable to the user identified by the user ID. Yes (S103).

As a result, when it is determined that the funded pension service is not applied, the payment process for payment to the store is performed for the financial institution terminal 4 with respect to the purchase of the product identified by the user ID together with the payment information. Only the request is transmitted (S104).
In response to the payment processing request for payment to the store, the financial institution terminal 4 executes a process of transferring the product price from the user's account to the store's account if the payment method is debit. .. In this case, when other information necessary for payment is registered in the user information DB 1A or store information DB 1B, other information necessary for payment is appropriately extracted from the user information DB 1A or store information DB 1B. And transmitted to the financial institution terminal 4.

On the other hand, when it is determined in S103 whether or not the funded pension service is applicable, when it is determined that the funded pension service is applied, first, the extraction processing unit 12 appropriately sets payment supplementary information to supplement the payment information. It is extracted from the DB 1A and the store information DB 1B (S105).
This payment supplemental information includes, for example, information relating to the user and the deposit/withdrawal account of the store.

Then, to the financial institution terminal 4, together with the payment information and the payment supplement information, a payment processing request for payment of the payment to the store and a reserve processing request for a reserve pension set for the product purchased by the user are transmitted (S106). ).

The financial institution terminal 4 that has received the payment processing request and the funding processing request executes the payment processing for the commodity price and the funding processing for the annuity (S107).
In these processes, payment supplement information such as store and user account information is appropriately referred to based on the payment method of the price of the product, and the transfer process of the product price and the accumulated pension is executed.
In each process, there are various modes of moving the commodity price and the fund for the pension plan between different accounts, and although it varies depending on the payment method of the price, specific examples are shown in FIGS. 4 and 5.

FIG. 4 shows an example in which the product price is withdrawn from the user account. In the example of FIG. 4, the operator account is an account managed by the operator of the funded pension service.
In this example, first, the settlement price is transferred from the user account to the operator account. Then, the price of the product among the payment price is transferred from the operator account to the store account as sales of the store. In addition, the funded pension portion of the settlement price is transferred from the operator's account to the user's funded pension account as the user's funded pension.
As a result, the price of the product is sorted into sales and accumulated pension.

Further, FIG. 5 shows an example in which the user uses a credit card.
In the example of FIG. 5A, first, the payment amount is transferred from the credit card operating company account to the store account. Then, the price of the product among the payment price remains in the store account as the sales of the store. The user's funded pension is transferred from the store account to the user's funded pension account via the operator account. Further, in the example of FIG. 5B, the product price is transferred from the credit card operating company account to the store account, and the reserve pension is transferred to the user's reserve pension account via the operator account. Further, in the example of FIG. 5C, the product price is transferred from the credit card operating company account to the store account, and the accumulated pension is transferred directly to the user's accumulated pension account.
It should be noted that not only the examples of FIGS. 4 and 5, but also the settlement price, the sales, and the transfer of the reserve pension between accounts can be made according to other examples. Is transferred to the store account, and the accumulated pension is transferred to the accumulated pension account either directly from the credit card management company or through the store.

When the payment process and the reserve process are completed, the completion notice is transmitted from the financial institution terminal 4 to the reserve pension processor 1 (S107).
In response to this, the funded pension registration unit 13 refers to the funded pension information DB 1C and associates the funded user with the user who purchased the product, and registers the funded pension according to the purchase of the product (S108).

In this example, the payment of the price from the user to the store for the purchase of the product can be made by cash payment. In this case, for example, only the reserve processing request for the reserve pension is transmitted from the reserve pension processor 1 to the financial institution terminal 4 together with the information on the user and the store and the information on the accumulated pension amount, and in response thereto. The financial institution terminal 4 transfers the accumulated pension amount from the store account to the accumulated pension account. In this case, the accumulated pension amount may be temporarily transferred from the store account to the operator account, and then transferred from the operator account to the funded pension account.

Further, in the funded pension processor 1 according to the present embodiment, FIG. 6 shows a processing flow when responding to a funded pension inquiry request from a user.
When an inquiry request for a reserve pension is transmitted from the user terminal 2 to the reserve pension processor 1 along with the user ID via a predetermined website or the like (S201), the reserve pension processor 1 is extracted by the extraction processing unit 12. Thus, the accumulated pension information DB 1C is referred to extract the accumulated pension information of the user associated with the user ID (S202).
The extracted accumulated pension information is transmitted to the user terminal 2 (S203).
The accumulated pension is accumulated according to the purchase of the target product by the user, and the accumulated pension information DB1C is updated accordingly. Users can always obtain information on their own pension fund.

According to the accumulated pension processing device 1 according to the present embodiment described above, the pension is accumulated by the consumption such as the purchase of the product, which enables the accumulation of the pension while avoiding the sluggish consumption.
In addition, pensions are accumulated according to the purchase of products, and the accumulated pensions are gradually accumulated for the users of the accumulated pension service, so that the pension system can be easily transferred from the pay-as-you-go system to the accumulated system.
Further, if the portion of the product price that is allocated to the reserve pension is borne by the store, the reserve pension can be given to the user without burdening the user.
In addition, by providing products with a high proportion of funded pensions, the store will increase opportunities for product sales, resulting in a reduction in product disposal loss and an increase in the occupancy rate of stores and employees. Labor productivity is improved.

Next, a reserve pension processing device according to the second embodiment of the present invention will be described with reference to FIG. 7.
The accumulated pension processing device 5 according to the present embodiment is similar to the accumulated pension processing device 1 according to the first embodiment, via the user terminal 2, the store terminal 3, the financial institution terminal 4 and the network NW such as the Internet. It is configured to be communicable, and is realized by the same hardware resources as the reserve pension processing device 1.
The reserve pension processing device 5 includes a user information DB 1A, a store information DB 1B, a reserve pension information DB 1C, a determination processing unit 11, an extraction processing unit 12, a reserve pension registration unit 13, and a communication processing unit included in the reserve pension processing device 1. In addition to 14, the product information DB 1D and the functional unit of the discrimination processing unit 15 are provided.

The product information DB 1D is a storage unit that stores information about the products targeted for the funded pension service.
As shown in FIG. 8, the product information DB 1D stores, for each product ID that identifies a product, the accumulated annual amount of money set for the product as setting information.
The accumulated pension amount for each product can be freely set by the operator of the store, etc., and the store uses the store terminal 3 to register the setting information together with the setting information in the accumulated pension processing device 5. When the request is transmitted, the reserve pension processor 5 registers this. In addition, the setting information may be configured as a ratio of the reserve pension set for the price of the product.

Further, product attribute information is registered for each product. In this example, the user's preference information and the like are registered in the user information DB 1A, and the product information of the genre according to the user's preference information is extracted from the product information DB 1D, and the user's preference information is extracted. By distributing the extracted product information to the user, it is possible to promote the user's product purchase.

The determination processing unit 15 refers to the product information DB 1D based on the payment information received from the store terminal 3 and executes a process of determining whether or not the product purchased by the user is a target product of the reserve pension service. To do.
In the processing by the determination processing unit 15, information for identifying a product is received as a part of the payment information for the store terminal 3, and the product is registered by referring to the product information DB 1D based on the information for identifying the product. It is determined whether or not there is. As a result, if it is not registered, it is determined that it is not a target product, and if it is registered, it is determined that it is a target product.

With reference to FIG. 9, a description will be given of processing executed in the accumulated pension processing device 5 according to the present embodiment from the purchase of a product by a user to the registration of accumulated pension information.
First, similarly to the first embodiment, when a user purchases a product at a store (S101), payment information is transmitted from the store terminal 3 to the reserve pension processing device 1 (S102).
The payment information in this example includes a user ID for identifying the user, information about a payment price associated with the product purchase by the user, and a product ID for identifying the product.

The funded pension processor 1 that has received the payment information refers to the product information DB 1D by the judgment processing unit 15 and judges whether the product purchased by the user is a target product of the funded pension service. Execute (S301). This process is executed by determining whether or not the product identified by the product ID is registered in the product information DB 1D based on the product ID that is a part of the payment information received from the store terminal 3.

As a result, if the product ID is not registered in the product information DB 1D and it is determined that the product related to the product ID is not the target product of the funded pension service, the financial institution terminal 4 receives the payment information together with the payment information. Regarding the product purchase of the user identified by the user ID, only the payment processing request for the payment for the store is transmitted (S302). When the payment processing request for the payment of the payment to the financial institution terminal 4 is made, the extraction processing unit 12 appropriately uses the user information DB 1A as the payment supplement information that supplements the payment information, such as information relating to the user and the deposit/withdrawal account of the store. Or from the store information DB 1B.
In response to the payment process payment request for the store, the financial institution terminal 4 executes a process of transferring the product price from the user's account to the store's account.

On the other hand, when it is determined in S301 that the product purchased by the user is the target product of the funded pension service, the funded pension processing device 1 uses the judgment processing unit 11 to refer to the user information DB 1A and use it. For the user identified by the person ID, the applicability of the funded pension service according to the purchase of the product is determined (S103).

As a result, when it is determined that the funded pension service is not applied, the payment process for payment to the store is performed for the financial institution terminal 4 with respect to the purchase of the product identified by the user ID together with the payment information. Only the request is transmitted (S104).
In response to the payment processing request for payment for the store, the financial institution terminal 4 executes the requested processing such as transferring the product price from the user's account to the store's account.

On the other hand, when it is determined in S103 whether or not the funded pension service is applicable, it is first determined that the funded pension service is applicable, the extraction processing unit 12 refers to the product information DB 1D, and sets the product setting information, that is, Information relating to the accumulated pension amount set for the product is extracted (S303).

Then, the extraction processing unit 12 appropriately extracts payment supplementary information supplementing the payment information from the user information DB 1A and the store information DB 1B (S105).
This payment supplemental information includes, for example, information relating to the user and the deposit/withdrawal account of the store.
Then, to the financial institution terminal 4, together with the payment information and the payment supplement information, a payment processing request for payment of the payment to the store and a reserve processing request for a reserve pension set for the product purchased by the user are transmitted (S106). ).
After that, as in the first embodiment, the processing from S107 onward is executed, and the reserve pension according to the product purchase is registered for the user.

Further, in the reserve pension processing device 5 according to the present embodiment, the user information DB 1A and the product information DB 1D are referred to at a predetermined timing, and the product information according to the user's preference is sent to the user terminal 2 of the user. Will be delivered.
By distributing the product information according to the taste of the user, the user can be encouraged to purchase the product and the user can obtain a large amount of accumulated pension.

The accumulated pension processing device 5 according to the present embodiment described above also accumulates a pension by consumption such as purchase of a product, which makes it possible to accumulate a pension while avoiding sluggish consumption.
In addition, since it is possible to arbitrarily set the accumulated pension amount for each product and distribute the product information according to the taste of the user, it is possible to promote the sales of the product.

Regarding the means and method for determining the amount to be provided as a reserve pension for each product or service, the allocation rate to the amount or price given to the product or service is displayed. The display method is the same as general discount price and discount rate display.
In this case, the function of the cash register system is used to notify the user by displaying the accumulated pension grant amount as well as the display of the main body price, the discount rate, the discount price, and the consumption tax. It also manages the amount of pensions granted to stores and the amount paid to the pension management company, and in addition to this information, sales information such as date and time, individual number that identifies an individual, store number that identifies a store, product number, product name, etc. store. Then, based on this sales information, the accumulated pension amount can be collected from the store and accumulated.

In addition, regarding the means and method for the pension manager to collect the amount given as the individual's reserve pension and store it in the user, there is a concern whether it will be given in cash, change, or tip as the pension for the person who shopped at the store. is there. As a means for avoiding this, the store contracts with the pension management company in advance as a store that can carry out the pension provision, and receives a unique store number for the store. Also, the user who receives the pension is contracted with the pension management company to receive a unique individual number for each individual. Then, when paying at the cash register of the store, the user may present this personal number.
Here, the authentication means on the user side is biometric information such as a face or fingerprint, a card on which a barcode or QR code (registered trademark) is printed, a magnetic card, an NFC card, a mobile phone, a smart phone, a tablet terminal, a wearable device. You can use the functions included in the terminal. On the other hand, the authentication means on the store side is also used for biometric information such as faces and fingerprints, cards printed with barcodes and QR codes (registered trademark), magnetic cards, NFC cards and mobile phones, smart phones, tablet terminals, wearable terminals, etc. You can use the included functions. This may or may not be linked to the cash register system.

At the time of payment, the store always identifies whether the payment method is a credit card, a debit card, a prepaid card, electronic money, virtual currency, bitcoin, or payroll collateral payment described later. Further, since it is necessary to authenticate the user, the user is requested to present the personal number and the user is authenticated by the authentication means on the store side. Further, the store number of the store, the user's individual number, the date and time, the product number and amount of the purchase, and the amount of money to be given to the user as a pension may be printed on a receipt and given to the user. Not limited to the receipt, it may be another printed matter or electronic data, and the electronic data may be stored in a server connected to the network so that the electronic data can be browsed and output at the user's request.

The method of identifying whether the payment method is a credit card, debit card, prepaid card, electronic money, virtual currency, bitcoin, or payroll collateral payment, which will be described later, can be selected or identified by the cashier function. It is possible to identify by utilizing the identification function of the terminal, such as utilizing the identifying means prepared in advance.

The accumulated pension granted to the user is collected from the store by a pension management company or an agency company. Accumulated pensions given from stores can be collected with credit cards, debit cards, prepaid cards, electronic money, virtual currency, bit coins, etc. The collection method can be performed in the same manner as cash.
If each settlement company once receives the amount given as annuity through credit card, debit card, prepaid card, electronic money, virtual currency, bitcoin, and payroll collateral settlement described below, a pension management company or agency company Collects money from each settlement company. The payment method of the annuity from the settlement company may be cash, transfer, bank account withdrawal, physical or virtual currency, or anything that has value and can be exchanged for cash.

Further, regarding the means and method for determining the amount to be provided as a reserve pension for each product or service, the allocation rate to the amount or price given to the product or service is displayed. The display method is the same as general discount price and discount rate display.
Here again, by utilizing the function of the cash register system, the user is notified by displaying the accumulated pension grant amount as well as the display of the body price, the discount rate, the discount price, and the consumption tax. It also manages the amount granted to the store and the amount paid to the pension management company, and in addition to this information, sells information such as the date and time, the individual number that identifies the individual, the store number that identifies the store, the product number, and the product name. store. Then, based on this sales information, the accumulated pension amount can be collected from the store and accumulated.

Next, a reserve pension processing device according to a third embodiment of the present invention will be described with reference to FIG.
The reserve pension processing device 6 according to the present embodiment is similar to the reserve pension processing device 1 according to the first embodiment, in addition to the user terminal 2, the store terminal 3, and the financial institution terminal 4, the personnel and labor information management device 7 Is configured to be communicable via a network NW such as the Internet, and is realized by the same hardware resources as the reserve annuity processing apparatus 1.
In addition to the user information DB 1A, the accumulated pension information DB 1C, the judgment processing unit 11, the extraction processing unit 12, the accumulated pension registration unit 13, and the communication processing unit 14, the accumulated pension processing device 6 is provided in the accumulated pension processing device 1. The functional unit of the applicability registration unit 16 is provided.

The applicability registration unit 16 refers to the personnel and labor information stored in the personnel and labor information DB 7A of the personnel and labor information management device 7, and determines whether or not the funded pension service is applicable according to the personnel and labor information. The process of registering in DB1A is executed.
This process, for example, when making a user with a certain annual income or less a target of the funded pension service, refers to the annual income information of the user included in the personnel and labor information, determines the user who satisfies the annual income condition, and It is executed by registering the information regarding the determined applicability in the user information DB 1A.

The personnel and labor information management device 7 is a device that manages personnel and labor information regarding personnel and labor as a worker of the user. The personnel and labor information management device 7 is realized by a server computer or the like and includes a personnel and labor information DB 7A.
The personnel and labor information DB 7A is a storage unit that stores personnel and labor information as a user's worker, and personnel information such as personnel, attendance, and salary is stored in association with each user.

A flow of processing when the applicability of the funded pension service is registered in the funded pension processing device 6 according to the present embodiment will be described with reference to FIG. 11.
The reserve pension processing device 6 uses the applicability registration unit 16 at a predetermined timing such as when the user registers to use the reserve pension service or when the personnel and labor information is updated. By referring to the information (S401), the applicability of the funded pension service is determined for each user (S402).

The applicability of the funded pension service is determined according to a predetermined condition such as annual income, depending on whether or not each user satisfies the condition.
When the applicability is determined, the content of the determination is registered in the user information DB 1A (S403).

In the reserve pension processor 6 according to the present embodiment, the process executed from the purchase of the product by the user to the registration of the reserve pension information is performed by the reserve pension processor 1 according to the first embodiment as shown in FIG. It is executed in substantially the same manner as the case described with reference to FIG.
However, in the present example, in the process of S105 of FIG. 3, the extraction processing unit 12 may extract information from the personnel and labor information DB 7A in addition to the user information DB 1A and the store information DB 1B as the payment supplement information.

In addition, in the present example in which the reserve pension processing device 6 is configured to communicate with the personnel and labor information management device 7, regarding payment of the price associated with the purchase of the product by the user, the employment of a company, etc. that temporarily hires the user as a worker is employed. It is possible for the owner to replace the purchase price of a product with the salary claim of the user as an upper limit.

FIG. 12 shows an example of the flow of processing in the case where the payment processing of the commodity price and the accumulation processing of the reserve pension are executed by the compensation of the purchase price of the commodity by the employer.
When the user requests the advance payment of the purchase price of the product by the employer, when the payment information is transmitted from the store terminal 3 to the reserve pension processor 6, the processing request of the advance payment is also transmitted. ..

In response to this, the reserve pension processing device 6 determines whether or not the reserve pension service is applicable in S103, and when it is determined that the reserve pension service is applicable, the reserve pension service device 6 notifies the personnel and labor information management device 7 to the user. The credit inquiry is transmitted together with the identifiable information and the information on the payment price required for purchasing the product (S501).

In response to this, the personnel and labor information management device 7 executes the credit inquiry process (S502). In this process, first, the salary amount of the user is specified by referring to the salary information of the user. Then, it is determined whether or not the payment amount required for the purchase of the product falls within the credit line, using the planned salary amount as the credit line.

The result of the credit inquiry is transmitted to the reserve pension processing device 6 (S503), and if the credit is successful, the extraction processing unit 12 appropriately outputs payment supplementary information for supplementing the payment information from the user information DB 1A or the store information DB 1B. It is extracted (S105).
In addition, in the extraction of the payment supplement information in this example, information about the employer account of the company or the like in which the user works as a worker is extracted from the personnel and labor information DB 7A as the payment supplement information.

On the other hand, as a result of the credit inquiry, if the credit fails, an error message or the like indicating that the employer cannot make advance payment for the purchase price of the product is returned to the store terminal 3 and the processing ends (S505).

Then, to the financial institution terminal 4, together with the payment information and the payment supplement information, a payment processing request for payment of the payment to the store and a reserve processing request for a reserve pension set for the product purchased by the user are transmitted (S106). ).
After that, as in the first embodiment, the processing from S107 onward is executed, and the reserve pension according to the product purchase is registered for the user.

In addition, in the transfer processing of the product price and the reserve pension in the financial institution, the transfer between the accounts of the product price and the reserve pension is according to the example of FIG.
In this example, first, the settlement price is transferred from the employer account to the operator account. Then, the price of the product among the payment price is transferred from the operator account to the store account as sales of the store. In addition, the funded pension portion of the settlement price is transferred from the operator's account to the user's funded pension account as the user's funded pension.
As a result, the price of the product is sorted into sales and accumulated pension.

The accumulated pension processing device 6 according to the present embodiment described above also accumulates a pension by consumption such as purchase of a product, which makes it possible to accumulate a pension while avoiding sluggish consumption.
In addition, since it is possible to set the applicability of the funded pension service based on the personnel and labor information of the user as a worker, it is possible to apply the service only to those with low annual income. Can be planned.
Furthermore, since the price of the product can be advanced up to the salary claim based on the personnel and labor information, even a worker who does not have money at the time of purchasing the product can purchase the product.

In addition, in the present embodiment, a system that cooperates with the personnel and labor information management device 7 is provided to the user, and through the predetermined My Page, in addition to the funded status of the funded pension, the granted rate and the granted of the funded pension. It is advisable to individually provide information on products with a high rate. The information to be provided is information such as the place where the user lives and the place of work, personal information such as age, sex, nationality, qualification of the user and annual income, employment contract information such as job title, employment form, holidays, leaving time, It is advisable to transmit based on various information such as information such as business trip location and business trip time, information such as industry and business content.
Also, provision of such information is effective when displayed on a login screen that the user frequently accesses. That is, in this way, by providing the user with a lot of opportunities to come in contact with the information related to the reserve pension, the user is guided to the product for which the reserve pension is set, and an advertisement and a sales promotion effect can be expected. As a result, the store side will actively consider giving a reserve pension to the product, creating a virtuous cycle.

In the embodiment of the present invention described above, the user may be allowed to transfer the accumulated pension fund to a third party. In this case, for example, a transfer information DB for registering information on transfer of the reserve pension is provided. Then, the user registers transfer information such as a third party who is the transferee of the reserve pension and the transfer amount and rate of the transfer to the third party in the transfer information DB. FIG. 14 shows an example of data in the transfer information DB in the case where transfer information regarding the content of the transfer and a third party who is the transfer destination of such a pension is registered.

The third party to whom the pension fund is transferred may be a specific person such as a user's family or a specific relative, or may be an unspecified person. It is good to be able to set freely by. The meaning of the transfer in this case includes the concept of donations and donations, and broadly refers to the act of passing a funded pension to a third party.

When the transfer information is registered in this way, the transfer information is extracted as supplementary settlement information when the funded process of the funded pension is transmitted to the financial institution, and the funded process is sent to the financial institution together with the funded process of the funded pension. Sent. Then, a part of the user's funded pension is registered as a funded pension in the name of a designated third party.
Regarding the transfer of the reserve fund to a third party, it may be possible to set a period for transferring a part of the reserve pension to the third party. That is, the user or the like defines a fixed application period as a part of the registration information. This allows the user to transfer a part of the reserve pension obtained in accordance with the purchase of the product to a predetermined third party during the reserve process of the reserve pension for the fixed application period.

In this way, as a result of making it possible to transfer the funded pension to a third party, it becomes possible to grant a pension not only to the user himself but also to the person who took care of the user or the person who taught me the job. .. As a result, guidance and education for junior students can be expected, and technological innovation and work innovation by inheriting technology will be possible.

Further, the accumulated pension accumulated for each user can be stored in the form of currency, virtual currency, financial product, etc. in a company or an organization that manages the accumulated pension. Further, the payment of the accumulated pension to the user can be made in various modes such as cash, bank transfer, prepaid card, electronic money, virtual currency, and bitcoin.
Further, the accumulated pension funded for each user may be operated by a company or a group that manages it with or without the consent of the user. Further, in the operation, depending on the entrustment and selection of the user himself/herself, the operation may be performed with a financial instrument of principal guarantee type or an operation with a financial instrument of non-principal guarantee type. In such an operation, it is preferable that the user can view the operation status in real time through the Internet service anytime, anywhere.

1 Reserve pension processor 1A User information DB
1B store information DB
1C Reserve pension information DB
11 Judgment processing unit 12 Extraction processing unit 13 Reserve pension registration unit 14 Communication processing unit 2 User terminal 3 Store terminal 4 Financial institution terminal 5 Reserve pension processing device 1D product information DB
15 Discrimination processing unit 6 Reserve pension processing device 16 Applicability registration unit 7 Personnel labor information management device 7A Personnel labor information DB
NW network

Claims (9)

A device for providing a funded pension service in which a part of the price of the product is accumulated as a funded pension for the user in accordance with the product purchase by the user,
A store terminal installed in a store that sells the above products,
A financial institution terminal that executes processing related to payment of payment for purchase of products by the user and accumulation of pension,
A personnel and labor information management device having a personnel and labor information storage unit that stores personnel and labor information as a worker of the user, and is configured to be communicable via a network,
User information storage means for storing the applicability of the funded pension service for each user,
With reference to the personnel and labor information storage means, an applicability registration means for registering in the user information storage means the applicability of the funded pension service, which is determined by the conditions according to the content of the personnel and labor information.
A funded pension information storage means for storing funded pension information relating to a funded pension funded in accordance with the purchase of a product by the user,
When the user purchases a product covered by the funded pension service at a store, from the store terminal, together with the processing request for advance payment by the employer of the user, as the payment information for the product purchase by the user, the use Payment information receiving means for receiving user identification information for identifying a person, payment price associated with the purchase of a product by the user, and information about a reserve amount set for the product purchased by the user,
Determination processing means for determining whether or not the funded pension service is applicable to the user identified by the user identification information with reference to the user information storage means;
If it is determined that the funded pension service can be applied to the user identified by the user identification information, the personnel and labor information management device will be charged to the user identification information and the payment for the purchase of the product. Credit reference transmitting means for transmitting a credit inquiry with the credit amount of the expected salary of the user, together with the information related to
If the credit inquiry is successful, payment processing of the payment for the store together with the payment information and the payment supplementary information including information on the employer account of the employer of the user to the financial institution terminal If it is determined that the request and the reserve processing request for the reserve pension set for the product purchased by the user are not applied, and the reserve pension service is not applied, A processing request transmission unit that transmits only the payment processing request for the payment to the store, together with the payment information and the payment supplement information.
From the financial institution terminal, a completion notification receiving means for receiving a notification that the funded process of the funded pension is completed,
A funded pension registration means for registering information relating to the funded pension for which the funded processing has been completed in the funded pension information storage means,
A reserve pension processing device characterized in that It is configured to be able to communicate with a user terminal used by the above-mentioned user via a network,
Target product information receiving means for receiving target product information related to the target product of the funded pension service from the store terminal,
Further comprising target product information distribution means for distributing the target product information to the user terminal,
The accumulated pension processing device according to claim 1. Inquiry request receiving means for receiving an inquiry request for the funded pension information together with the user identification information from the user terminal,
Extraction processing means for extracting the accumulated pension information based on the user identification information with reference to the accumulated pension information storage means,
Further, to the user terminal, further includes a funded pension information transmitting unit that transmits the funded pension information.
The accumulated pension processing device according to claim 2. It is configured to be able to communicate with a user terminal used by the above-mentioned user via a network,
Inquiry request receiving means for receiving an inquiry request for the funded pension information together with the user identification information from the user terminal,
Extraction processing means for extracting the accumulated pension information based on the user identification information with reference to the accumulated pension information storage means,
Further, to the user terminal, further includes a funded pension information transmitting unit that transmits the funded pension information.
The accumulated pension processing device according to claim 1. Further, a transfer information storage unit that stores transfer information regarding contents transferred to a third party other than the user for a part of the funded pension funded in accordance with the purchase of the product by the user,
The processing request transmission means further transmits the transfer information stored in the transfer information storage means,
The accumulated pension processing device according to claim 1. Further, a transfer information storage unit that stores transfer information regarding contents transferred to a third party other than the user for a part of the funded pension funded in accordance with the purchase of the product by the user,
The processing request transmission means further transmits the transfer information stored in the transfer information storage means,
The accumulated pension processing device according to any one of claims 2 to 4. Transfer information receiving means for receiving the transfer information from the user terminal,
Transfer information registration means for registering the transfer information with reference to the transfer information storage means,
The accumulated pension processing device according to claim 6. A method for providing a funded pension service in which a part of the price of the product is funded as a funded pension for the user in response to the user's purchase of the product,
A store terminal installed in a store that sells the above products,
A financial institution terminal that executes processing related to payment of payment for purchase of products by the user and accumulation of pension,
A personnel and labor information management device having a personnel and labor information storage unit that stores personnel and labor information as a worker of the user, and is configured to be communicable via a network,
User information storage means for storing the applicability of the funded pension service for each user,
With reference to the personnel and labor information storage means, an applicability registration means for registering in the user information storage means the applicability of the funded pension service, which is determined by the conditions according to the content of the personnel and labor information.
A computer having a funded pension information storage unit that stores funded pension information related to a funded pension funded in accordance with the purchase of a product by the user,
When the user purchases a product covered by the funded pension service at a store, from the store terminal, together with the processing request for advance payment by the employer of the user, as the payment information for the product purchase by the user, the use A process of receiving user identification information for identifying a person, a payment price associated with the purchase of a product by the user, and information relating to a reserve amount set for the product purchased by the user,
A process of referring to the user information storage means and determining whether or not the funded pension service is applicable to the user identified by the user identification information;
If it is determined that the funded pension service can be applied to the user identified by the user identification information, the personnel and labor information management device will be charged to the user identification information and the payment for the purchase of the product. Credit reference transmitting means for transmitting a credit inquiry with the credit amount of the expected salary of the user, together with the information related to
If the credit inquiry is successful, payment processing of the payment for the store together with the payment information and the payment supplementary information including information on the employer account of the employer of the user to the financial institution terminal If it is determined that the request and the reserve processing request for the reserve pension set for the product purchased by the user are not applied, and the reserve pension service is not applied, A process of transmitting only the payment processing request for the payment for the store together with the payment information and the payment supplement information,
From the above financial institution terminal, a process of receiving a notification that the fund reserve process has been completed,
Executing a process of registering information relating to the funded pension for which the funded process has been completed in the funded pension information storage means,
A funded pension disposal method characterized by the above. A computer program for providing a funded pension service in which a part of the price of the product is funded as a funded pension for the user in accordance with the purchase of the product by the user,
A store terminal installed in a store that sells the above products,
A financial institution terminal that executes processing related to payment of payment for purchase of products by the user and accumulation of pension,
A personnel and labor information management device having a personnel and labor information storage unit that stores personnel and labor information as a worker of the user, and is configured to be communicable via a network,
User information storage means for storing the applicability of the funded pension service for each user,
An applicability registration means for registering, in the user information storage means, applicability of the funded pension service, which is determined by a condition according to the content of the personnel and labor information, with reference to the personnel and labor information storage means,
A computer having a funded pension information storage unit that stores funded pension information related to the funded pension funded in accordance with the purchase of the product by the user,
When the user purchases a product covered by the funded pension service at a store, from the store terminal, together with a processing request for advance payment by the employer of the user, as the payment information for the product purchase by the user, the use A process of receiving user identification information for identifying a person, a payment price associated with the purchase of a product by the user, and information relating to the accumulated pension amount set for the product purchased by the user,
A process of determining, with reference to the user information storage means, whether or not the funded pension service is applicable to the user identified by the user identification information;
When it is determined that the funded pension service can be applied to the user identified by the user identification information, the personnel and labor information management device is provided with the user identification information and the payment price required for purchasing the product. A credit inquiry transmitting means for transmitting a credit inquiry with the credit amount of the expected salary of the user, together with the information related to
When the credit inquiry is successful, payment processing of the payment for the store together with the payment information and payment supplementary information including information on the employer account of the employer of the user to the financial institution terminal. If it is determined that the request and the reserve processing request for the reserve pension set for the product purchased by the user are not applied and the reserve pension service is not applied, A process of transmitting only the payment processing request for the payment for the store together with the payment information and the payment supplement information,
From the above financial institution terminal, a process of receiving a notification that the fund reserve process has been completed,
A process of registering information relating to the funded pension for which the funded process is completed in the funded pension information storage means,
Computer program.

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