JP7390955B2 - simulation device - Google Patents

Description

Application of Article 30, Paragraph 2 of the Patent Act (1) Distribution date: November 15, 2019 Handout: Material distributed at the NRI Financial IT Forum 2019 “DX in the securities industry is an ``embedded asset building experience business'' Publisher: Nomura Research Institute, Ltd. (2) Date: November 15, 2019 Meeting name: NRI Financial IT Forum 2019 Venue: Royal, 2-1-1 Kakigara-cho, Nihonbashi, Chuo-ku, Tokyo Park Hotel Publisher: Hiroyuki Nakayama

The present invention relates to a simulation device.

The so-called ``20 million yen retirement problem,'' which originated from the Financial Services Council's Market Working Group report ``Asset Creation and Management in an Aging Society,'' released by the Financial Services Agency on June 3, 2019, has become a hot topic. In recent years, concerns about running out of funds for retirement have increased. While Japan's average life expectancy is expected to continue to increase, the amount of pensions and retirement benefits that people rely on is expected to gradually decrease. Anxiety among the working generation is only increasing.

If we can accurately predict whether there will be a shortage of funds in retirement, and if so, by how much, we will know what to do now to eliminate such a shortage, which will alleviate anxiety. For example, in Patent Document 1, in a system that uses a computer to design asset management, the computer calculates a pension amount based on various personal data, and calculates the future annual amount from the personal data and the calculated pension amount. A system has been disclosed that calculates the amount of funding shortage and designs asset management.

Japanese Patent Application Publication No. 2002-073968

However, since pensions and retirement allowances change according to changes in an employee's position, it is difficult to obtain highly accurate estimates of pensions and retirement allowances through uniform calculations as described in Patent Document 1. be.

The present invention has been made in view of these problems, and its purpose is to provide a technology that can realize a simulation of pensions and/or retirement allowances corresponding to differences in changes in job ranks.

One aspect of the present invention relates to a simulation device. This simulation device includes an acquisition means for acquiring the user's time of joining the company, the position at the time of joining, the current position, and the target position, and the acquired position at the time of joining, the current position, and the target position. a first estimation means that linearly estimates the change in the user's past rank from the time of joining, the rank at the time of joining, and the current rank, and the user's future rank. a second estimating means for linearly estimating the change in the user's rank based on the current rank and the target rank, based on the estimated change in the user's past rank and the estimated change in the user's future rank. and a third estimating means for estimating the pension and/or retirement allowance that the user will receive, and a providing means for providing the estimation result to the user.

Note that the present invention also includes any combination of the above-mentioned constituent elements, and mutual substitution of constituent elements and expressions of the present invention among devices, methods, systems, computer programs, recording media storing computer programs, etc. It is effective as an aspect of

According to the present invention, it is possible to realize a simulation of pensions and/or retirement allowances that corresponds to differences in changes in job ranks.

FIG. 1 is a schematic diagram showing the configuration of a simulation system according to an embodiment. FIG. 2 is a hardware configuration diagram of the simulation device in FIG. 1. FIG. FIG. 2 is a schematic diagram showing an example of simulation logic for pension and retirement allowance used in the simulation device of FIG. 1. FIG. FIG. 2 is a schematic diagram showing another example of pension and retirement allowance simulation logic used in the simulation device of FIG. 1. FIG. 2 is a block diagram showing the functions and configuration of the simulation device in FIG. 1. FIG. FIG. 6 is a data structure diagram showing an example of a company information holding section in FIG. 5; FIG. 6 is a data structure diagram showing an example of a position information holding unit in FIG. 5; FIG. 6 is a diagram illustrating how to handle the remainder when the number of years is divided by the number of ranks. 2 is a flowchart showing the flow of a series of processes in the simulation apparatus of FIG. 1. FIG. 2 is a representative screen diagram of a funds shortage notification screen displayed on the display of the mobile terminal in FIG. 1. FIG. 2 is a representative screen diagram of a surplus funds notification screen displayed on the display of the mobile terminal in FIG. 1. FIG.

Hereinafter, the same or equivalent components, members, processes, and signals shown in each drawing will be denoted by the same reference numerals, and redundant explanations will be omitted as appropriate. Further, in each drawing, some members that are not important for the explanation are omitted.

FIG. 1 is a schematic diagram showing the configuration of a simulation system 2 according to an embodiment. The simulation system 2 includes a mobile terminal 4 such as a smartphone, a tablet terminal, or a laptop PC, and a simulation device 6. Both the mobile terminal 4 and the simulation device 6 are connected to a network 8 such as the Internet, and communicate via the network 8. Note that there is no limit to the number of mobile terminals 4, and the simulation device 6 may be composed of a plurality of servers.

The simulation device 6 acquires information regarding the position from the user of the mobile terminal 4, predicts the user's post-retirement funds through simulation, and returns the prediction result to the mobile terminal 4. Users can review their financial plans by looking at the prediction results. For example, if it is predicted that there will be a shortage of funds after retirement, it is possible to take measures such as increasing the amount saved each year. Additionally, if the prediction results indicate that you will have enough funds after retirement, you can use the funds to pursue your current hobbies or things you want to do.

FIG. 2 is a hardware configuration diagram of the simulation device 6 of FIG. 1. The simulation device 6 includes a memory 40, a processor 42, a communication interface 44, a display 46, and an input interface 48. These elements are each connected to a bus 50 and communicate with each other via the bus 50.

The memory 40 is a storage area for storing data and programs. Data and programs may be stored permanently or temporarily in memory 40. The processor 42 implements various functions in the simulation device 6 by executing programs stored in the memory 40. The communication interface 44 is an interface for transmitting and receiving data to and from the outside of the simulation device 6. For example, the communication interface 44 includes an interface for accessing a wireless communication network, an interface for accessing a wireless LAN (Local Area Network), and the like. Further, the communication interface 44 may include, for example, a wired network interface such as a USB (Universal Serial Bus). In particular, the communication interface 44 realizes communication with the mobile terminal 4 via the network 8. The display 46 is a device for displaying various information, and is, for example, a liquid crystal display or an organic EL (electroluminescence) display. The input interface 48 is a device for receiving input from a user. The input interface 48 includes, for example, a mouse, a keyboard, and the like.

FIG. 3 is a schematic diagram showing an example of simulation logic for pension and retirement allowance used in the simulation device 6 of FIG. 1. The logic shown in Figure 3 does not take into account the retirement age of positions. In this logic, there are three ranks: a rank (also referred to as position rank) corresponding to the position at the time of joining the company (also referred to as position grade), a rank corresponding to the current position, and a rank corresponding to the target position (position at the time of retirement). A simulation is performed by taking points as input and linearly interpolating promotions and promotions between them. Rank is an internal parameter set by a company to calculate a user's (employee's) pension and retirement allowance, and is usually invisible to the user. Multiple positions may correspond to the same rank. Note that the method of interpolating salary increases/promotions between input points is not limited to linear interpolation, but may also employ non-linear interpolation. For example, an estimation that uses a logarithmic function to fit the rank corresponding to the target position and the age at the target time (the rank increases every year for the first few years, and then every two years, every three years, etc.) It is also possible to interpolate by using a method that gradually becomes difficult to increase.

In past simulations from the time of joining the company (age in the year of joining) to the present (age in the current year), the rank for each year is estimated on the assumption that the user's rank increases linearly from the rank at the time of joining to the current rank. do. In a simulation of the future from the present (current year's age) to the time of retirement (retirement year's age), the user's rank for each year is estimated on the assumption that the user's rank increases linearly from the current rank to the target rank. do. Note that the age of the retirement year is not limited to the age of mandatory retirement, but may be set arbitrarily, such as the age at the time of (scheduled) job change.

In both the past simulation period and the future simulation period, the remainder of [number of years]÷[number of ranks] is added one year at a time starting from the lowest rank (or the highest rank is acceptable). FIG. 8 is a diagram illustrating how to handle the remainder when the number of years is divided by the number of ranks. Assume that you are 31 years old as of April 1st of this year, your current rank is 9, and your target rank at retirement is 18. The number of years until retirement is calculated as 59-31+1=29. The average length of stay for each rank is
29/((18-9)+1)=2.9(year)
It is calculated as follows.
The number "2" obtained by rounding down the decimal point of the number of years "2.9" thus calculated is assigned to each rank from the current rank to the target rank ((a) in FIG. 8). The remaining "9 years" are allocated one year at a time, starting from the lowest rank ((b) in Figure 8). By doing so, a rank estimation result as shown in the table on the right side of FIG. 8 can be obtained.
Note that if the number of years until retirement is smaller than the target rank number at the time of retirement, calculation processing is performed to increase the rank by a predetermined rank (for example, one rank at a time) every year. For example, if the current rank is 9 and the number of years until retirement is 8, the target rank will not be reached because the process is to increase by one rank every year. However, the calculation may be such that if a predetermined condition is met, the student will be skipped (raised by two or more ranks from a certain point).

FIG. 4 is a schematic diagram showing another example of the pension and retirement allowance simulation logic used in the simulation device 6 of FIG. 1. The logic shown in Figure 4 considers the official retirement age of 55 years. According to this logic, the user's rank is lowered by one rank every year between the ages of 56 and 60.

The past simulation in this logic is similar to the past simulation in the logic of FIG. In the simulation of the future from the present (current year age) to the time of retirement (retirement year age), the period from now until the retirement age of the position (referred to as the previous period) and the period from the retirement age of the position to the time of retirement (referred to as the previous period) The user's rank is estimated using different methods for each period. In the previous period, the rank of each year within the previous period is estimated on the premise that the user's rank increases linearly from the current rank to the target rank. In the later period, the rank for each year in the later period is estimated on the premise that the user's rank will be lower than the target rank. In the example of FIG. 4, the rank for each year of the subsequent period is estimated on the premise that the user's rank linearly decreases from the target rank for the subsequent period.

FIG. 5 is a block diagram showing the functions and configuration of the simulation device 6 of FIG. 1. Each block shown here and in the block diagrams that follows can be realized in terms of hardware by elements and mechanical devices such as the CPU of a computer, and in terms of software by computer programs, etc., but here, It depicts the functional blocks realized by their cooperation. Therefore, those skilled in the art who have been exposed to this specification will understand that these functional blocks can be realized in various ways by combining hardware and software.

The simulation device 6 includes an input information acquisition unit 102 , a conversion unit 103 , a past transition estimation unit 104 , a future transition estimation unit 106 , a pension/retirement allowance estimation unit 108 , a required funds estimation unit 110 , and a provision unit 112 , a company information holding section 114 , and a position information holding section 116 .

FIG. 6 is a data structure diagram showing an example of the company information holding unit 114 of FIG. 5. As shown in FIG. The company information holding unit 114 holds information regarding pensions and retirement allowances in companies. The company information holding unit 114 stores a company name, a company ID that identifies the company, pension setting information for calculating the pension in the company, retirement allowance setting information for calculating the retirement allowance in the company, and the company ID for identifying the company. The retirement age of a company official and the retirement age of the company are maintained in correspondence.

The pension setting information holds the value of pension points determined for each rank. When a user works for a company for one year, pension points are given to the user according to the user's rank. Pension setting information is used when determining the value of pension points to be provided. The amount of pension that the user receives is determined according to the value of pension points that the user has accumulated until retirement.

The retirement allowance setting information holds the value of retirement allowance points determined for each rank. When a user works for a company for one year, retirement allowance points are given to the user according to the user's rank. The retirement allowance setting information is used when determining the value of retirement allowance points to be provided. The amount of retirement allowance that the user receives is determined according to the value of retirement allowance points that the user has accumulated before retirement.

FIG. 7 is a data structure diagram showing an example of the position information holding unit 116 of FIG. 5. As shown in FIG. The position information holding unit 116 holds the correspondence between positions and ranks for each company. A position is defined by a position and a grade within the position. For example, the position "Section 3" indicates that the position is "Section Manager" with grade "3". When a position is given, the corresponding rank is determined by the position information holding unit 116. Multiple positions may correspond to the same rank. For example, the positions "Section 1," "Section 4," and "Department 7" all correspond to rank "18." Therefore, although the names of these positions are different (grade 1 section manager, grade 4 section manager, grade 7 general manager, respectively), they are treated as the same when calculating pensions and retirement allowances.

Returning to FIG. 5, the input information acquisition unit 102 acquires the time when the user of the mobile terminal 4 joined the company, the position at the time of joining, the current position, and the target position. The input information acquisition unit 102 may generate a questionnaire asking the user to input the position at the time of joining the company, the current position, and the target position, and transmit it to the mobile terminal 4 via the network 8. The input information acquisition unit 102 may receive the input results to the questionnaire from the mobile terminal 4, and acquire the position at the time of joining, the current position, and the target position from the received input results. Alternatively, the input information acquisition unit 102 may access an in-house database with permission from the user or the company, and acquire at least the user's position at the time of joining the company and the current position. Alternatively, the input information acquisition unit 102 may acquire the user's actual position and points each year in order to acquire the transition status of the user's past position. The input information acquisition unit 102 predicts the user's target position based on the actual values of the target position or the reached position of other users (other employees) who have attributes that match the user's attributes. You may.

The conversion unit 103 converts the position at the time of joining the company, the current position, and the target position acquired by the input information acquisition unit 102 into ranks, respectively. The conversion unit 103 refers to the position information holding unit 116, determines the rank at the time of joining that corresponds to the position at the time of joining, determines the current rank that corresponds to the current position, and determines the target rank that corresponds to the target position. Determine the rank.

The past change estimating unit 104 linearly estimates the change in the user's past rank from the time of joining the company, the rank at the time of joining the company, and the current rank. The logic of estimation in the past transition estimation unit 104 is as described above with reference to FIGS. 3, 4, and 8.

The future change estimating unit 106 linearly estimates the user's future rank change based on the current rank and the target rank. The logic of estimation in the future transition estimation unit 106 is as described above with reference to FIGS. 3, 4, and 8. During estimation, the future transition estimating unit 106 refers to the corporate information holding unit 114 to obtain the retirement age and the official retirement age.

The pension/retirement allowance estimation unit 108 estimates the pension and/or retirement allowance that the user will receive based on the estimated changes in the user's past rank and the estimated future changes in the user's rank. . In this embodiment, the pension/retirement allowance estimating unit 108 estimates a pension and a retirement allowance, but in other embodiments, it may estimate either a pension or a retirement allowance.

The pension/retirement allowance estimating unit 108 determines the user's current pension points by referring to the pension setting information in the corporate information holding unit 114 from the user's past rank changes obtained as a result of estimation by the past change estimating unit 104. Calculate. The pension points calculated in this way are estimated values, and may differ from the current pension points of the user that are actually registered in the company's internal database or the like. The pension/retirement allowance estimating unit 108 refers to the pension setting information in the corporate information holding unit 114 based on the change in the user's future rank obtained as a result of the estimation by the future change estimating unit 106, and determines whether the user will retire from the present. Calculate the pension points you will accumulate up to this point. The pension/retirement allowance estimation unit 108 calculates the estimated value of the user's pension points at the time of retirement by adding the calculated pension points that the user will accumulate to the calculated current pension points of the user. The pension/retirement allowance estimating unit 108 calculates the amount of the user's post-retirement pension from the estimated value of the calculated pension points according to predetermined pension calculation rules.

The pension/retirement allowance estimating unit 108 determines the user's current retirement status by referring to the retirement allowance setting information in the corporate information holding unit 114 based on the user's past rank changes obtained as a result of estimation by the past change estimating unit 104. Calculate gold points. The retirement allowance points calculated in this manner are estimated values, and may differ from the current retirement allowance points of the user that are actually registered in the company's internal database or the like. The pension/retirement allowance estimating unit 108 refers to the retirement allowance setting information in the corporate information holding unit 114 based on the change in the user's future rank obtained as a result of the estimation by the future change estimating unit 106. Calculate the retirement points you will accumulate until The pension/retirement allowance estimation unit 108 calculates the estimated value of the user's retirement allowance points at the time of retirement by adding the calculated retirement allowance points that the user will accumulate to the calculated current retirement allowance points of the user. calculate. The pension/retirement allowance estimating unit 108 calculates the amount of the user's retirement allowance from the estimated value of the calculated retirement allowance points according to a predetermined retirement allowance calculation rule.

The required funds estimating unit 110 estimates the future future of the user of the mobile terminal 4 by adding it to the questionnaire generated and transmitted by the input information acquisition unit 102 or by generating a separate questionnaire and transmitting it to the mobile terminal 4. Obtain information on life plans and current asset status (deposit amounts, financial products held, real estate held, insurance, etc.). The required funds estimating unit 110 estimates the amount of funds the user will need after retirement based on the acquired information regarding the life plan. Alternatively, the required funds estimating unit 110 may estimate the amount of funds the user will need after retirement using a known technique such as the technique described in Patent Document 1.

The required funds estimating unit 110 calculates the total amount of required pension and retirement allowance based on the estimated amount of funds the user will need after retirement and the user's current asset status.

The providing unit 112 provides the user with the pension and retirement allowance estimation results obtained by the pension/retirement allowance estimating unit 108. If the total amount of pension and retirement allowance calculated by the pension/retirement allowance estimation unit 108 exceeds the total amount of required pension and retirement allowance calculated by the required funds estimation unit 110, the provision unit 112 provides the pension and retirement allowance. Determine that the money is sufficient. If the total amount of pension and retirement allowance calculated by the pension/retirement allowance estimation unit 108 is equal to or less than the total amount of required pension and retirement allowance calculated by the required funds estimation unit 110, the provision unit 112 provides the following information: , determines that pension and retirement benefits are insufficient.

The providing unit 112 provides information about surplus funds to the user's mobile terminal 4 via the network 8 when it is determined that the pension and retirement allowances are sufficient. The amount of surplus funds is calculated by subtracting the current expenditure from the user's current income.

When it is determined that the pension and retirement allowances are insufficient, the providing unit 112 provides information about the insufficient funds and a proposal for resolving the insufficient funds to the user's mobile terminal 4 via the network 8. The amount of insufficient funds is calculated by subtracting the total amount of pension and retirement allowance calculated by the pension/retirement allowance estimation unit 108 from the total amount of required pension and retirement allowance.

The operation of the simulation device 6 with the above configuration will be explained.
FIG. 9 is a flowchart showing the flow of a series of processes in the simulation device 6 of FIG. The simulation device 6 acquires the user's time of joining the company, position at the time of joining, current position, and target position (S202). The simulation device 6 converts the position acquired in step S202 into a rank (S203). The simulation device 6 estimates the past changes in rank (S204). The simulation device estimates future changes in rank (S206). The simulation device 6 estimates the pension and retirement allowance to be received (S208). The simulation device 6 calculates the funds required after retirement (S210). The simulation device 6 determines whether the total amount of pension and retirement allowance estimated in step S208 is sufficient (S212). If it is determined that the funds are insufficient (N in S212), the simulation device 6 notifies the user of the lack of funds (S214). If it is determined that the amount is sufficient (Y in S212), the simulation device 6 notifies the user of the surplus funds (S216).

FIG. 10 is a representative screen diagram of the funds shortage notification screen 402 displayed on the display 46 of the mobile terminal 4 in FIG. 1. The funds shortage notification screen 402 is displayed on the display 46 of the mobile terminal 4 that received the notification in step S214 of FIG. The funds shortage notification screen 402 includes a warning display area 406, a deficit amount display area 408 where the amount of insufficient funds is displayed, an accumulation target display area 410, and an estimation result display area 412. The warning display area 406 is displayed when the amount of insufficient funds is larger than a predetermined reference value, and allows re-input of simulation conditions. If the amount of insufficient funds is less than a predetermined reference value, the warning display area 406 is not displayed. The savings target display area 410 displays a proposal for resolving a shortage, and in this example displays the annual savings amount required to make up for the shortage of funds. The estimation result display area 412 displays the estimation results in the simulation device 6.

FIG. 11 is a representative screen diagram of the surplus funds notification screen 404 displayed on the display 46 of the mobile terminal 4 in FIG. The surplus funds notification screen 404 is displayed on the display 46 of the mobile terminal 4 that received the notification in step S216 of FIG. The surplus funds notification screen 404 includes a surplus funds amount display area 414 where the amount of surplus funds is displayed, and a breakdown display area 416.

In the embodiments described above, examples of the holding unit are a hard disk or a semiconductor memory. Further, based on the description of this specification, each part may be implemented by a CPU (not shown), an installed application program module, a system program module, a semiconductor memory that temporarily stores the contents of data read from a hard disk, etc. Those skilled in the art will understand that this can be done.

According to the simulation device 6 according to the present embodiment, the user can input information on the time of joining the company, the current time, and the target time without having to enter in detail the changes in his/her previous position and the change in his/her future position. This allows you to obtain simulation results for pension and retirement benefits. Therefore, user convenience is improved.

Further, in the simulation device 6 according to the present embodiment, by incorporating the official retirement age into the simulation logic, it is possible to realize a pension/retirement allowance simulation that is more in line with reality.

The configuration and operation of the simulation device 6 according to the embodiment have been described above. This embodiment is merely an example, and those skilled in the art will understand that various modifications can be made to the combinations of each component and each process, and that such modifications are also within the scope of the present invention.

2 simulation system, 4 mobile terminal, 6 simulation device, 8 network.

Claims (5)

an acquisition means for acquiring the user's joining date and position at the time of joining, current position, and target position;
a conversion means for converting the obtained job rank at the time of joining, the current position, and the target position, respectively, into ranks;
a first estimation means for linearly estimating the change in the user's past rank from the time of joining the company, the rank at the time of joining, and the current rank;
a second estimating means for linearly estimating the change in the user's future rank from the current rank and the target rank;
a third estimating means for estimating the pension and/or retirement allowance that the user will receive based on the estimated changes in the user's past rank and the estimated future changes in the user's rank;
A simulation device comprising: providing means for providing estimation results to a user. The second estimating means estimates the user's rank during the period from the present to the official retirement age on the premise that the user's rank increases linearly from the current rank to the target rank, and The simulation device according to claim 1, wherein the user's rank in a later period is estimated on the premise that the user's rank in the later period will be lower than a target rank. 3. The simulation device according to claim 2, wherein the second estimating means estimates the user's rank in the period after the official retirement age on the premise that the user's rank decreases linearly from a target rank. 4. The provision means according to any one of claims 1 to 3, wherein the providing means provides information about surplus funds to the user if the estimated pension and/or retirement allowance exceeds the required pension and/or retirement allowance. The simulation device described. 10. The providing means provides the user with information about the insufficient funds and suggestions for resolving the shortage if the estimated pension and/or retirement allowance is less than the required pension and/or retirement allowance. 3. The simulation device according to any one of 3 to 3.

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