Information processing device and program

Abstract

To provide an information processing device that makes it possible for a business corporation and / or an employee to confirm information specific to a corporate pension scheme.SOLUTION: A support company SK provides support, by being commissioned from a defined-benefit corporate pension fund, for an employee JG of a corporation HJ to utilize a defined-benefit corporate pension. An installed information processing device 1 acquires employee information from a personnel system 2 of the corporation HJ and salary information representing a salary determined for the employee JG from a payroll system 3, respectively, performs a simulation in conformity with a plurality of plans, and generates a simulation sheet in which simulation results are arranged. This simulation sheet represents a social insurance premium and saving effects of tax for each plan. Thus, the employee JG can more easily examine a subscription condition suitable for him or herself while taking into account the saving effects.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to an information processing device and a program. [Background technology]

[0002] Currently, there are two main types of corporate pension plans in Japan: defined benefit corporate pension plans and defined contribution pension plans. In business companies that allow employees to join corporate pension plans, such as defined benefit corporate pension plans, retirement benefit obligations arise when employees join the defined benefit corporate pension plan. For business companies, these retirement benefit obligations have a large impact on cash flow and various management indicators. For this reason, retirement benefit obligations are predicted through simulations (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2009-245106 A Summary of the Invention [Problem to be solved by the invention]

[0004] Retirement benefit obligations are claims for employees who receive retirement benefits. Therefore, retirement benefit obligations are useful information for employees. However, in order to enable business companies and employees to more appropriately use corporate pensions, including defined benefit corporate pensions, it would be desirable to make it possible to confirm information specific to the corporate pension system that they are considering using.

[0005] The present invention aims to provide an information processing device that enables at least one of a business company and an employee to check information specific to a corporate pension plan. [Means for solving the problem]

[0006] An information processing device of one embodiment of the present disclosure comprises a calculation condition input means for inputting calculation conditions representing at least the amount of contributions to a corporate pension plan that a company can join, a calculation processing means for using the calculation conditions to calculate a savings effect value representing the savings effect expected to be obtained under the tax system by at least one of the company's employees joining the corporate pension plan and the company itself, and an output processing means capable of processing to output the savings effect value calculated by the calculation processing means. Effect of the Invention

[0007] The present invention allows companies and / or employees to verify information specific to corporate pension plans. [Brief description of the drawings]

[0008] [Figure 1] 1 is a diagram illustrating an example of a mechanism for providing defined benefit corporate pension services realized by an information processing device according to one embodiment of the present invention. FIG. [Diagram 2] 13 is a diagram for explaining an example of a method for generating a cost saving effect value that can be presented to an employee as useful information. [Diagram 3] FIG. 13 is a diagram illustrating an example of a simulation sheet. [Figure 4] 1 is a diagram illustrating an example of the configuration of a network system constructed by connecting information processing devices according to an embodiment of the present invention; [Diagram 5] 1 is a block diagram showing an example of a hardware configuration of an information processing device according to an embodiment of the present invention. [Figure 6] 1 is a functional block diagram showing an example of a functional configuration realized on an information processing device according to an embodiment of the present invention; [Figure 7] FIG. 13 is a diagram illustrating an example of a joining conditions setting screen that enables an employee to set the joining conditions. [Figure 8] FIG. 13 is a diagram illustrating an example of a screen generated for presenting the results of a simulation when execution of the simulation is instructed on the joining condition setting screen. [Figure 9] FIG. 13 is a diagram illustrating an example of a premium age-based summary table screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, an embodiment of the present invention will be described with reference to the drawings. Note that the embodiment described below is merely an example, and the technical scope of the present invention is not limited to this. Various modified examples are also included in the technical scope of the present invention.

[0010] FIG. 1 is a diagram for explaining an example of a system for providing defined benefit corporate pension services realized by an information processing device according to an embodiment of the present invention. There are also defined contribution pension plans among corporate pension plans. However, to avoid confusion and make it easier to understand, we will focus on and explain only defined benefit corporate pension plans here.

[0011] Defined Benefit Corporate Pension Fund KK is a corporation established to provide, for example, a contract-type defined benefit corporate pension service (hereinafter referred to as "this pension service"). This pension service is provided by employees of corporation HJ who have subscribed to this pension service. This pension service is, for example, an optional service that can be used only by employees who wish to use it.

[0012] In addition, this pension service does not have to be a selective service. In other words, it may be a service that is premised on use by employees of the corporate HJ. Corporate HJ is shown in Figure 1 as a general term for companies, business companies, and employers that employ employees who can use this pension service. The main corporate HJs are companies.

[0013] Defined Benefit Corporate Pension Fund KK, for example, will collect the requested amount of contributions from the salary that Corporation HJ pays to employees on a regular basis. By collecting these contributions, Defined Benefit Corporate Pension Fund KK will be obligated to pay benefits to employees. Benefit payments are made based on the established regulations.

[0014] The collected contributions are managed by the asset management institution SU, which has been entrusted with managing the assets. The defined benefit corporate pension fund KK can receive a portion of the managed funds from the asset management institution SU at a set time. The funds received from the asset management institution SU can be used as benefits to be paid to employees.

[0015] In this pension service, support company SK, entrusted with enrollment administration by defined benefit corporate pension fund KK, handles various types of correspondence for corporation HJ and / or its employees. To that end, support company SK provides various types of information to corporation HJ for enrollment in this pension service, designs systems for enrollment in this pension service, and supports employees' enrollment applications, as shown in the example of Figure 1. Support includes the provision of a system (for example, an information processing system to which server 1, described below, is applied).

[0016] That is, as shown in Figure 1, corporation HJ is provided with a system (for example, an information processing system to which server 1 described below is applied) provided by support company SK. Corporation HJ can then use the provided system to carry out operations for system design and system enrollment. This allows corporation HJ to use the system provided by support company SK to send and receive various information to and from defined benefit corporate pension fund KK and to enroll in the system. Therefore, in Figure 1, the string of characters for system enrollment from corporation HJ to defined benefit corporate pension fund KK is enclosed in parentheses.

[0017] By supporting system design, Corporate HJ can use this pension service with a system that suits them or that has been agreed upon by labor and management. Providing various information includes holding explanatory meetings and conducting presentations. This allows not only Corporate HJ but also employees to have a deeper understanding of this pension service. This enables both Corporate HJ and employees to make more appropriate use of this pension service. As a result, employees can apply for enrollment under more appropriate enrollment conditions. When an application for enrollment is made, the employee information of the employee who applied for enrollment is notified to Defined Benefit Corporate Pension Fund KK along with information on the enrollment conditions.

[0018] Since it is possible to design the system for each corporation HJ, the content of the pension service that the corporation HJ and employees can actually use may differ depending on the corporation HJ. For this reason, hereafter, unless otherwise specified, "the pension service" will be used to refer to the system designed by the corporation HJ.

[0019] To accommodate such requests, an information processing device according to an embodiment of the present invention is installed and operated by support company SK. Support company SK uses this information processing device to generate useful information for considering the use of this pension service, and presents it to at least one of employees and corporation HJ. The presentation of this useful information is included in the provision of various types of information.

[0020] The following are some of the tax benefits available to defined benefit corporate pension plans: · The entire amount of contributions made by the corporate HJ can be deducted as an expense. · Employee JG contributions are deductible as life insurance premiums · While pension assets are in operation, they are subject to a special corporate tax every year, but are currently effectively tax-free If you receive the benefit as a pension, you can deduct it from the public pension allowance. If you receive the benefit as a lump sum, you can deduct it from your retirement income. As described above, in a defined benefit corporate pension plan, both the corporation HJ and employees can obtain tax savings by making contributions. In this embodiment, focusing on this fact, it is possible to generate and present a savings effect value that represents such savings effect as useful information specific to a defined benefit corporate pension plan.

[0021] FIG. 2 is a diagram for explaining an example of a method for generating a cost saving effect value that can be presented to employees as useful information. The generation of the savings effect value here is intended to assist employees JG in considering the enrollment conditions they deem appropriate. Based on this assumption, the generation of the savings effect value is primarily performed under the instructions of TS, the person in charge at HJ corporation. The "simulation sheet" shown in Figure 2 is one of the screens (e.g. a web page) on which the generated savings effect value is placed.

[0022] In Fig. 2, it is assumed that employee information of employees working at corporation HJ is stored and managed in personnel system 2, and salary information related to the salary paid periodically to those employees is stored and managed in salary system 3. Based on this assumption, Fig. 2 shows that information processing device 1 generates a simulation sheet at the specification of employee JG by person in charge TS, and transmits the generated simulation sheet to person in charge terminal 4 used by person in charge TS. In reality, this simulation sheet is, for example, a screen (web page).

[0023] FIG. 3 is a diagram for explaining an example of a simulation sheet. As shown in the example of FIG. 3, three display areas HA1 to HA3 are arranged from above on the simulation sheet KS. In the display area HA1, the social insurance premium and tax reduction effect is shown by one of the symbols △, ○, and ◎ for each of the plans 1 to 3. As a result, the reduction effect value is expressed in three stages in the display area HA1. This three-stage evaluation allows employee JG to recognize the degree of the reduction effect of social insurance premiums and taxes for each plan. Note that this three-stage evaluation is an expected value.

[0024] Display area HA2 shows the amount of contributions, social insurance premiums, income and local taxes, and savings for each of the four cases: three plans, Plans 1 to 3, and no contribution, i.e., not using this pension service. The basic contribution amount shown for each plan, Plans 1 to 3, is the amount of contribution contributed from the salary paid periodically, for example, the amount contributed each month (monthly contribution amount). This allows employee JG to compare each plan with the specific amount in the case of not using this pension service, and to decide whether or not to join this pension service and to consider the conditions of joining. All amounts shown in display area HA2 are also estimated values.

[0025] In the display area HA3, a bar graph is displayed showing the estimated savings amount for each subscription period (savings period) assuming Plan 1. This allows employee JG to check the change in the estimated savings amount depending on the subscription period, and to decide whether or not to subscribe to this pension service, and to consider the subscription conditions. Note that the interest shown in each bar graph is the estimated amount assuming that the premiums are invested at the assumed rate of return.

[0026] The contributions to the defined benefit corporate pension plan are excluded from the salary. Therefore, the contributions will reduce the amount of the employee pension insurance premium to be paid. As the amount of the employee pension insurance premium to be paid decreases, the expected amount of the employee pension benefit in the future also decreases. This can be said to be a disadvantage in using the defined benefit corporate pension plan. For this reason, in this embodiment, the expected decrease in the future employee pension benefit is displayed in the display block HB1 located below the display area HA3. By displaying this decrease, the employee JG can consider the conditions of joining along with the employee pension. This expected decrease is hereinafter referred to as the "expected decrease in the benefit". This expected decrease in the benefit is an amount calculated for a period of one year.

[0027] In order to generate a simulation sheet KS as shown in FIG. 3, the number of plans and the conditions for enrollment for each plan may be set in advance. As shown in FIG. 3, the basic contribution amount may be set as follows: for example, plan 1 may be set to a fixed amount determined regardless of the amount of salary normally paid periodically, for example, 1,000 yen, which is the minimum contribution amount; for plan 2, the contribution amount calculated from the amount of salary required to reliably lower the social insurance premium by one grade; and for plan 3, the maximum contribution amount that can be contributed. In this embodiment, in order to automatically determine the basic contribution amounts for plans 2 and 3, the information processing device 1 is caused to acquire payroll information from the payroll system 3. As a result, it is basically possible to create a simulation sheet KS as shown in FIG. 3 by simply specifying employee JG. Since the maximum basic contribution amount is 50,000 yen, the monthly salary of the target employee JG is 250,000 yen.

[0028] The enrollment conditions set for each plan are hypothetical for the purpose of running a simulation. In order to distinguish them from the enrollment conditions that the employee JG considers or specifies for the enrollment application, the enrollment conditions for the simulation will be referred to as "calculation conditions" hereafter.

[0029] As shown in Figure 3, if an employee joins this pension service, not only will the contributions be accumulated and the employee be able to receive benefits in the future, but the social insurance premiums, income tax, and local resident tax to be paid by the employee JG will also be reduced, resulting in a savings effect. For this reason, the output of the savings effect value, i.e., the symbol showing the degree of savings effect, and the savings effect amount, etc., is useful information that not only helps the employee JG decide whether or not to use this pension service, but also assists the employee JG in specifically considering the conditions for joining. By presenting such useful information, the employee JG will be able to make a more appropriate decision on whether or not to use this pension service, and will be able to more reliably determine more appropriate conditions for joining.

[0030] In addition, if the projected reduction in benefits is output, employee JG will be able to decide whether or not to use this pension service, taking into account the projected amount of employees' pension benefits. If the savings effect value is also output, employee JG will be able to specifically consider the enrollment conditions, taking into account the projected amount of employees' pension benefits. For these reasons, the projected reduction in benefits is also useful information that helps employees make more appropriate use of this pension service.

[0031] When employee JG uses this pension service, corporation HJ also makes contributions. As mentioned above, the contributions made by corporation HJ can be treated as expenses in full. Therefore, the use of this pension service by employee JG is also desirable for corporation HJ.

[0032] By providing the above-mentioned useful information, the support company SK will make it easier for the employee JG to use the pension service in the most optimal way. Therefore, the support company SK will support the employee JG in optimizing the use of the pension service, while through that support, creating an environment in which the corporation HJ can benefit more.

[0033] Hereinafter, the support for use of this pension service by the support company SK will be described in detail with reference to FIGS. Fig. 4 is a diagram for explaining a configuration example of a network system constructed by connecting information processing devices according to an embodiment of the present invention. In Fig. 4, this information processing device 1 is written as a "server". Hereinafter, this information processing device 1 will be written as a "server 1".

[0034] The network system, the configuration example of which is shown in Figure 4, has been constructed by connecting or making connectable the defined benefit pension fund KK, support company SK, and each corporation HJ to a network 6. A server 1 managed by support company SK is installed within support company SK and is connected directly or indirectly to the network 6. For example, the defined benefit pension fund KK also manages a server, and this server is also connected directly or indirectly to the network 6. The same is true for each bank GK. Various types of communication are carried out between the defined benefit pension fund KK and the asset management investment institution SU via, for example, a public line or a dedicated communication line, etc. Note that each server including server 1 does not have to be installed within the company that manages it. Each server may be installed anywhere as long as it is capable of communicating via network 6. For this purpose, a cloud service may be used.

[0035] In one or more corporations HJ, a personnel system 2 and a payroll system 3 are constructed, and there are one or more staff terminals 4 and employee terminals 5 used by employees JG. The personnel system 2, the payroll system 3, the staff terminals 4, and the employee terminals 5 are all directly or indirectly connected to a network 6 or can be connected thereto.

[0036] The person in charge terminal 4 and the employee terminal 5 are, for example, information processing devices equipped with communication functions. Specifically, they are, for example, PCs (Personal Computers), tablet PCs, or smartphones. Although the HJ corporation has a personnel system 2 and a payroll system 3 from which the server 1 obtains necessary information, such systems 2 and 3 do not have to be constructed. This is because it is sufficient that the server 1 is able to obtain the necessary information. However, for the sake of convenience in the explanation, it is assumed here that the HJ corporation has both the personnel system 2 and the payroll system 3 constructed.

[0037] 5 is a block diagram showing an example of a hardware configuration of an information processing device according to an embodiment of the present invention. Note that this configuration example is just an example, and the hardware configuration of an information processing device that can be used as the server 1 is not limited to this. As shown in FIG. 5, the server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input / output interface 15, an output unit 16, an input unit 17, a memory unit 18, a communication unit 19, and a drive 20.

[0038] The CPU 11 executes, for example, programs recorded in the ROM 12 and / or programs recorded in the storage unit 18 to realize various processes. All of the programs are loaded into the RAM 13 and executed. The programs loaded from the storage unit 18 to the RAM 13 include, for example, an OS (Operating System) and various application programs that run on the OS. The various application programs include one or more programs developed to cause the information processing device to function as the server 1. Hereinafter, this developed application program will be referred to as a "developed application."

[0039] The RAM 13 also stores data and the like necessary for the CPU 11 to execute various processes, including data used in the various programs executed by the CPU 11.

[0040] The CPU 11, the ROM 12, and the RAM 13 are connected to one another via a bus 14. An input / output interface 15 is also connected to the bus 14. An output unit 16, an input unit 17, a storage unit 18, a communication unit 19, and a drive 20 are connected to the input / output interface 15.

[0041] The output unit 16 includes a display such as a liquid crystal display. The output unit 16 displays various images or screens under the control of the CPU 11. The output unit 16 may be mounted on the server 1, or may be connected as necessary. As a result, the output unit 16 is not an essential component.

[0042] The input unit 17 includes various hardware buttons such as a keyboard. The input unit 17 may include one or more pointing devices such as a mouse. An operator can input various information via the input unit 17. The input unit 17 may also be mounted on the server 1, or may be connected as necessary. Thus, the input unit 17 is not an essential component. The main operator is an administrator who has the authority to manage the server 1.

[0043] The storage unit 18 is, for example, a hard disk device or an auxiliary storage device such as an SSD (Solid State Drive). Data with a large amount of data is stored in the storage unit 18. The communication unit 19 is, for example, a communication device for communication. As shown in Fig. 4, the communication unit 19 enables communication with other information processing devices via the network 6. The information processing devices include the person in charge terminal 4, the employee terminal 5, the information processing devices constituting the personnel system 2, the information processing devices constituting the payroll system 3, and the like. The communication unit 19 may be a communication device that enables wireless or wired communication, or may be one that enables both wired and wireless communication.

[0044] The drive 20 is a device to which a removable medium 25, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory card, can be attached. The drive 20 can read information from the attached removable medium 25 and write information to the removable medium 25. As a result, the program recorded in the removable medium 25 can be stored in the storage unit 18 via the drive 20. In addition, the removable medium 25 attached to the drive 20 can be used as a copy destination or a movement destination of various data stored in the storage unit 18.

[0045] The development application has been developed on the assumption that the information processing device will function as the server 1. This development application may be recorded on a removable medium 25 and distributed. It may also be possible to distribute it via a network 6 (e.g., the Internet) or the like. For this reason, the recording medium on which the development application is recorded may be one that is mounted or attached to an information processing device that is directly or indirectly connected to the network 6, or one that is mounted or attached to an external device that can be accessed.

[0046] The hardware resources of the server 1 are controlled by various programs including the development program. As a result, the information processing device functions as the server 1 capable of providing support to the employee JG of the corporation HJ so that the employee JG can more appropriately use the pension service.

[0047] 6 is a functional block diagram showing an example of a functional configuration realized on an information processing device according to an embodiment of the present invention. Next, with reference to FIG. 6, an example of a functional configuration realized on the server 1 will be described in detail.

[0048] 6, the CPU 11 of the server 1 has a functional configuration including a setting registration unit 111, a subscriber registration unit 112, an authentication unit 113, a salary information acquisition unit 114, a simulation condition reception unit 115, a simulation processing unit 116, an information provision processing unit 117, a membership application reception unit 118, an hourly wage confirmation unit 119, a warning processing unit 120, a loan application reception unit 121, a loan approval evaluation unit 122, a compilation processing unit 123, and a screen generation unit 124. The CPU 11 can transmit and receive information (data) to and from an information processing device connected to the network 6 via a communication unit 19.

[0049] The functional components on the CPU 11 are realized by the CPU 11 executing various programs including the development application. As a result, in the memory unit 18, a setting information storage unit 181, a subscriber information storage unit 182, a salary information storage unit 183, a simulation result storage unit 184, a subscription application information storage unit 185, an hourly wage confirmation result storage unit 186, and a loan application information storage unit 187 are secured for storing information.

[0050] Note that information that only needs to be stored temporarily may be stored in RAM 13 rather than in storage unit 18. Various pieces of information to be stored in storage unit 18 are stored in RAM 13, and then transferred to and stored in storage unit 18. For convenience, the process of storing information will be ignored here, and only storage unit 18 will be considered as the storage destination for information.

[0051] 6, it is assumed that an administrator uses an administrator terminal 7 to manage the server 1. This administrator is, for example, an employee of the support company SK. The administrator terminal 7 is used by being connected to, for example, the network 6 or a network established by the support company SK, for example, a LAN (Local Area Network). For convenience, it is assumed here that the administrator terminal 7 is connected to the network 6.

[0052] The setting registration unit 111 enables the administrator to perform various settings and update the contents thereof. The various settings include system settings for enabling applications for joining this pension service in accordance with the system design by each corporation HJ, a group of calculation conditions (multiple hypothetical joining conditions) for generating a simulation sheet KS such as the example shown in Fig. 3, the expected annual investment interest rate, the timing of obtaining salary information, etc. All of these contents are stored as setting information in the setting information storage unit 181 secured in the memory unit 18 by the setting registration unit 111.

[0053] There are two types of salary information: the salary paid to employee JG, and the salary paid to employee JG for actually working. To avoid confusion, the former is called "set salary information" and the latter is called "paid salary information." The timing of acquisition is set for paid salary information.

[0054] The subscriber registration unit 112 enables the support company SK to register each employee JG of each corporation HJ that it supports as a subscriber, and to update the registered details. The person who registers subscribers is, for example, a person in charge TS of each corporation HJ. The person in charge TS has each employee JG input personal information such as their identification information, name, date of birth, address, telephone number, and email address, and requests their registration as a subscriber. The identification information of employee JG will hereinafter be referred to as "employee ID (Identification)."

[0055] Incidentally, the above personal information can be acquired by the server 1 from the personnel system 2, as shown in Fig. 2. Therefore, in practice, the person in charge TS may simply specify information that identifies the personal information, such as an employee ID. Furthermore, subscriber registration and updating of registered contents can be achieved by having the screen generation unit 124 send the necessary screen. For this reason, the screen generation unit 124 operates in cooperation with many other units.

[0056] The subscriber registration unit 112 processes the request, and stores the personal information of employee JG plus identification information of corporation HJ, etc., as subscriber information in the subscriber information storage unit 182 secured in the memory unit 18. The subscriber information stored in this manner also includes, for example, authentication information. For example, if login is performed by inputting identification information of corporation HJ, an employee ID, and a password, the password will be further included in the subscriber information as authentication information. Since well-known methods may be used for setting and changing passwords, a detailed explanation will be omitted. The identification information of corporation HJ will be referred to as "corporate ID" hereinafter. It should be noted that the authentication method itself is not particularly limited.

[0057] The authentication unit 113 handles authentication to confirm whether a subscriber is a registered subscriber or not. For example, it processes a request to send an authentication screen from the employee terminal 5, and an authentication request including authentication information entered on the authentication screen. A transmission request is handled, for example, by instructing the screen generation unit 124 to send an authentication screen to the employee terminal 5. This screen generation unit 124 can generate a screen (dynamic page), and handles the transmission of the generated screen or a screen (static page) prepared in advance.

[0058] The authentication request is responded to by, for example, checking whether or not subscriber information that matches the authentication information included in the request, that is, the corporate ID, employee ID, and password, is stored in the subscriber information storage unit 182. If it is confirmed that there is subscriber information that matches the authentication information, the employee JG who sent the authentication request can use services that are intended for subscribers. If it is not confirmed that there is subscriber information that matches the authentication information, the authentication unit 113 causes the screen generation unit 124 to send a message or a screen, etc., to inform that the authentication request is invalid. Note that, by such authentication, a correspondence relationship between the employee JG who has been confirmed as a subscriber and the employee terminal 5 used by that employee JG is specified. Therefore, the employee JG who has been confirmed as a subscriber can use services that are intended for subscribers thereafter.

[0059] The salary information acquisition unit 114 acquires the salary payment information of each employee JG from the salary system 3 of each corporation HJ according to the acquisition timing of the salary information stored for each corporation HJ. The salary information acquired in this manner is stored in the salary information storage unit 183 secured in the memory unit 18. Note that the salary information storage unit 183 has logically divided areas for storing salary information, for example, for each corporation HJ.

[0060] The simulation condition receiving unit 115 enables the subscriber to execute a desired simulation. Subscribers who wish to run a simulation can be broadly divided into persons in charge TS and employees JG. Employees JG wish to run a simulation assuming themselves. In contrast, persons in charge TS are employees JG, that is, people who wish to run a simulation assuming someone else. Due to these differences in assumptions, subscribers here are broadly divided into persons in charge TS and employees JG. For this reason, the simulation condition receiving unit 115, for example, confirms whether the subscriber who wishes to run a simulation is a person in charge TS, and performs processing according to the confirmation result.

[0061] A simulation sheet KS as shown in Fig. 3 is generated by a person in charge TS executing a simulation. A group of calculation conditions required to execute the simulation is determined, for example, as setting information. For this reason, for example, when the simulation condition receiving unit 115 confirms that the subscriber is the person in charge TS, it instructs the screen generating unit 124 to transmit a screen on which the employee JG and a group of calculation conditions can be specified to the person in charge terminal 4.

[0062] By transmitting such a screen, the person in charge TS specifies the employee JG and a group of calculation conditions on the screen, and instructs the execution of a simulation. In response to the instruction, a simulation execution request including information representing the result of specifying the employee JG and the group of calculation conditions is transmitted from the person in charge terminal 4 to the server 1.

[0063] The execution request sent to the server 1 is processed by the simulation condition receiving unit 115. The simulation condition receiving unit 115 extracts, for example, the set salary information of the specified employee JG from the salary information storage unit 183, and extracts the setting information corresponding to the specified calculation condition group from the setting information storage unit 181. If the target set salary information is not stored in the salary information storage unit 183, for example, the simulation condition receiving unit 115 requests the salary information acquisition unit 114 to acquire the set salary information from the salary system 3. The simulation condition receiving unit 115 passes the set salary information and setting information acquired in this way to the simulation processing unit 116, and instructs the execution of a simulation using the set salary information and setting information passed. The simulation processing unit 116 is also passed setting information and the like that indicates the expected annual investment interest rate.

[0064] On the other hand, if the subscriber is confirmed to be employee JG, for example, the simulation condition receiving unit 115 instructs the screen generating unit 124 to transmit to the employee terminal 5 a screen for allowing employee JG to specify calculation conditions. This screen allows the user to specify at least the monthly contribution amount (basic contribution amount). In this embodiment, HJ Corporation, which pays bonuses in designated months, has a system designed to allow contributions from bonuses. The amount of contributions paid from bonuses will be distinguished from the amount of contributions by being referred to as the "bonus contribution amount" hereinafter.

[0065] 7 is a diagram for explaining an example of an enrollment condition setting screen that enables an employee to set the enrollment conditions. This screen KI allows the employee to specify both the basic contribution amount and the bonus contribution amount. 7, the entry condition setting screen KI has an input box NB1, a slider bar SB1, and a display area HA11 for inputting the basic contribution amount, and an input box NB2 and a slider bar SB2 for inputting the bonus contribution amount. Also, a button BT1 for instructing to execute a simulation, and a button BT2 for applying for entry are provided.

[0066] Employee JG usually tries to use this pension service with the most suitable enrollment conditions for himself / herself. As described with reference to FIG. 3, the results of the simulation are very useful information in considering the most suitable enrollment conditions. For this reason, in this embodiment, in addition to the enrollment application, employee JG is allowed to instruct the execution of a simulation with the enrollment conditions considered by employee JG. In this way, employee JG is allowed to confirm the results of the simulation with the enrollment conditions he / she is considering applying for, and employee JG is allowed to more easily apply for enrollment with the enrollment conditions he / she considers desirable. The conditions that can be set on the enrollment condition setting screen KI are referred to as enrollment conditions because the set conditions may be enrollment conditions.

[0067] Each of the slider bars SB1, SB2 is configured to include three bars B1-B3 and a slider SR. The three bars B1-B3 are arranged in a straight line, and the slider SR is an operator that can be moved within the range in which the three bars B1-B3 exist. As a result, each of the slider bars SB1, SB2 allows the user to specify (input) an amount depending on the position of the slider SR on the straight line. Each of the input boxes NB1, NB2 is used to display the amount in numerical value according to the position of the slider SR.

[0068] The bonus premium amount specified by the slider bar SB2 is the monthly contribution amount. For example, if bonuses are paid twice a year and the interval between bonus payment months is six months, six months' worth of the bonus premium amount will be deducted from the bonus in the bonus payment month, and the bonus premium amount will be contributed equally each month. By making the bonus premium amount configurable, employee JG can easily set the basic premium amount taking into account the bonus premium amount.

[0069] In the system design, a selection is made as to whether or not contributions from bonuses are to be allowed. If it is selected that contributions from bonuses are to be allowed, the month in which the bonus is to be paid is selected. Setting information generated according to the results of such system design is stored in the setting information storage unit 181. It is also possible to allow the employee JG to specify the calculation conditions (enrollment conditions) such as each month in which bonuses are paid, the number of months for which contributions are to be made from the bonus paid in each payment month, the average amount of contributions, etc.

[0070] Each slider bar SB1, SB2 has three bars B1 to B3. The reason why the bar is divided into a plurality of bars is that the grade of social insurance premiums, i.e., health insurance and employee pension insurance, changes depending on the premium amount, as shown in FIG. 3. Therefore, in this embodiment, each bar represents a range of premium amounts in which the grade does not change, so that the subscriber can more easily consider and set the premium amount taking into account the grade. Also, the bar where the slider SR is located is made thicker than the others, emphasizing the grade according to the position of the slider SR.

[0071] The display area HA11 is arranged to convey information to the subscriber who is considering and setting such a premium amount. As shown in FIG. 7, this display area HA11 may display the range of premium amounts that can be specified by the bar B3 where the slider SR is located, the change in social insurance premium grade depending on the premium amount, and a message to be conveyed to the subscriber. Such a message supports a more appropriate setting for the employee JG. Note that the content displayed in the display area HA11 may be anything that can support the input of the premium amount using the slider bar SB1, that is, the consideration and setting of the premium amount, and therefore the content shown in FIG. 7 is only one example. Considering the relationship with the bonus premium amount, the range of premium amounts required to change one grade, or advice on the consideration of the premium amount, etc. may be displayed in the display area HA11.

[0072] Such updating of the bars B1 to B3 and the display message according to the position of the slider SR as required is realized, for example, by the simulation condition receiving unit 115 and the screen generating unit 124. For this purpose, position information indicating the position of the slider SR is transmitted from the employee terminal 5 to the server 1 at any time as required.

[0073] When employee JG runs a simulation, he or she need only set the basic contribution amount, i.e., the monthly contribution amount, and the bonus contribution amount as the joining conditions (calculation conditions), and then operate button BT1. When applying to join, he or she need only operate button BT2 instead of button BT1. When button BT1 is operated, a simulation execution request including the set joining conditions is sent from the employee terminal 5 to the server 1. When button BT2 is operated, a joining application request including the set joining conditions is sent from the employee terminal 5 to the server 1.

[0074] The employee JG who has sent these requests from the employee terminal 5 is identified by identification information, such as an IP address, assigned to the employee terminal 5. For this reason, the simulation condition receiving unit 115 extracts set salary information corresponding to the employee JG from the salary information storage unit 183 from the employee terminal 5 to which the joining condition setting screen KI is to be sent, and generates various information required for generating the joining condition setting screen KI. By passing the generated various information and instructing the screen generating unit 124 to generate the joining condition setting screen KI, the joining condition setting screen KI corresponding to the employee JG is transmitted to the employee terminal 5.

[0075] The simulation condition reception unit 115 responds to the received simulation execution request. For example, it passes the joining conditions included in the execution request to the simulation processing unit 116 and instructs the execution of a simulation using the joining conditions passed. In this way, the content of the simulation that can be instructed to be executed varies depending on whether the participant is the person in charge TS or the employee JG.

[0076] 8 is a diagram illustrating an example of a screen generated for presenting the results of a simulation when execution of the simulation is instructed on the joining condition setting screen. This screen SG is hereinafter referred to as a "simulation result display screen SG." As shown in FIG. 8, the simulation result display screen SG has two display areas HA21 and HA22.

[0077] Display area HA21 is used to display the annual savings amount, social insurance premium savings amount, income and resident tax savings amount, and total savings amount as simulation results. Display area HA22 is used to display the change in savings amount depending on the savings period using a bar graph.

[0078] By presenting such a simulation result display screen SG, the employee JG can more easily consider whether the subscription conditions he or she set are appropriate. This allows the employee JG to repeatedly execute simulations with various subscription conditions and select the subscription conditions he or she considers optimal from among the subscription conditions for which the simulations were executed.

[0079] The simulation processing unit 116 performs a simulation using the calculation conditions passed from the simulation condition receiving unit 115, and stores the simulation results in a simulation result storage unit 184 secured in the storage unit 18. The simulation is performed, for example, by generating at least one calculation formula for the simulation. The at least one calculation formula generated is, for example, a calculation formula for calculating the amount of the contribution. By generating such a calculation formula, it is possible to correspond to whether or not the contribution is made through the payment of bonuses.

[0080] Other formulas used in the simulation include those for calculating social insurance premiums, income and resident taxes, and the expected reduction in benefits. Tables include those for identifying changes in grades due to contributions. This identification table is capable of at least confirming the correspondence between the range of monthly salary amounts and the grades that correspond to the range of salary amounts. By performing a simulation using such a group of formulas and tables, it is possible to prepare the information required to generate a simulation sheet KS such as the example shown in FIG. 3, or a simulation result display screen SG such as the example shown in FIG. 8.

[0081] The contribution amount can be changed midway. Depending on the corporate HJ, transfers may be possible when transferring employees. In an actual simulation, it is necessary to take such cases into account. Therefore, the results of the simulation are heavily dependent on the way in which the employee JG is used, which is possible as a result of the corporate HJ system design. In order to avoid confusion, it will be assumed here for the sake of convenience that the employee JG will not use the system in a way that involves transfers. The simulation sheet KS, an example of which is shown in Figure 3, was generated based on this assumption.

[0082] The transmission of the simulation sheet KS and the simulation result display screen SG is realized by the information provision processing unit 117. For example, after storing the simulation results, the simulation processing unit 116 instructs the information provision processing unit 117 to generate a screen by specifying the storage location of the simulation results and the type of screen. In response to this instruction, the information provision processing unit 117 passes the simulation results stored in the specified storage location to the screen element 124 and instructs the generation of the specified screen. As a result, the screen generation unit 124 generates a simulation sheet KS or a simulation result display screen SG, which is then transmitted to the person in charge terminal 4 or the employee terminal 5.

[0083] The information provision processing unit 117 also processes various requests for information presentation from the person in charge terminal 4 or the employee terminal 5. The various requests include a number of requests for viewing the simulation results. Both the simulation sheet KS and the simulation result display screen SG can be displayed again by a display request. It is also possible to send a display request specifying the simulation results to be displayed and the type of screen. This display request can be made by operating on a screen that allows various specifications including the simulation results to be displayed and the type of screen. A detailed explanation of this screen will be omitted here. This screen will be referred to as the "display target specification screen" hereinafter.

[0084] FIG. 9 is a diagram for explaining an example of a premium age-based summary table screen. This tally table screen is displayed when, for example, all employees JG, all age groups, display by age group, and display by premium amount are specified on the display target selection screen and an instruction to display is given. Only the person in charge TS can display it. As shown in FIG. 9, this tally table screen has a display area HA31 for displaying the overall tally results, and a display area HA32 for displaying the tally results by age group and premium amount. Display area HA32 is a contribution age-based tally table that shows the tally results by age group and premium amount.

[0085] After making such a designation, when an instruction to display is given, a display request including the designation result is transmitted from the person in charge terminal 4 to the server 1. The information provision processing unit 117 processes the display request, whereby this summary table screen is generated and transmitted to the person in charge terminal 4. When the employee JG specifies the monthly premium amount and bonus premium amount on the membership condition setting screen KI as shown in Fig. 7 and operates button BT2, membership application information indicating those premium amounts is stored in the membership application information storage unit 185 secured in the memory unit 18. This membership application information is a group of information including the application date, the corporation ID, and the employee ID in addition to those premium amounts.

[0086] The information provision processing unit 117 identifies the target corporation HJ, for example, from the person in charge terminal 4 that received the display request. After the identification, the information provision processing unit 117 extracts membership application information including the corporation ID corresponding to the identified corporation HJ from the membership application information storage unit 185. Similarly, it extracts set salary information from the salary information storage unit 183 and subscriber information from the subscriber information storage unit 182.

[0087] The extracted membership application information and set salary information are passed to the simulation processing unit 116, which instructs the execution of a simulation. This instruction to execute a simulation is for confirming the amount of savings and changes in rank for each employee JG. The information provision processing unit 117 passes the simulation results passed from the simulation processing unit 116, the extracted membership application information, and the subscriber information to the compilation processing unit 123, and instructs the compilation.

[0088] The tallying processing unit 123 confirms the premium amount and age group designated by each employee JG from the membership application information and subscriber information passed to it, and tally (counts) the confirmation results by premium amount and age group. In addition, each tallying result is accumulated by premium amount and age group respectively to calculate a total value. Information to be displayed in the display area HA32 is generated by such tallying and calculating the total value. In this embodiment, tallying is performed in units of 10,000 yen as shown in FIG. 9, but the range of amounts used as a unit of tallying is not particularly limited.

[0089] Meanwhile, the tallying processing unit 123 calculates the average premium amount from the enrollment application information passed to it, and calculates the savings per person and the annual social insurance premium savings of the HJ corporation from the simulation results passed to it (shown as "annual social insurance savings for the company" in FIG. 9). It also counts the number of employees for each lowered grade from the simulation results. In this way, the information displayed in the display area HA31 is generated.

[0090] The information generated in this manner is finally passed to the screen generation unit 124. As a result, the screen generation unit 124 generates a premium age-based tally table screen KN as shown in Fig. 9, and transmits the generated tally table screen to the person in charge terminal 4. This enables the person in charge TS to check the trends in the premium amounts designated by each employee JG, or the trends in premium amounts by age group, from the premium age-based tally table screen KN displayed by the person in charge terminal 4. In addition, the person in charge TS can also check the trends in the premium amounts designated by each employee JG when scaled by grade, and the trends in the savings amount.

[0091] In the display target specification screen, it is also possible to specify the display of a screen other than the contribution age-based summary table screen KN. For example, it is also possible to specify the display of a screen (hereinafter referred to as the "subscriber list screen") in which information such as the name, contribution amount, tax savings amount, and grade change are arranged as a list for each employee JG. This list screen can be displayed by specifying, for example, the display by subscriber, the change in all grades, the display order, etc. In this list screen, for example, the simulation results may be passed from the information provision processing unit 117 to the screen generation unit 124, and generation may be instructed. When information similar to that in the display area HA31 is also to be displayed, the subscription application information and the simulation results may be passed to the calculation processing unit 123 and the calculation may be performed. For this reason, there is no particular limitation on the items that can be specified, their number, and combinations.

[0092] When the employee JG specifies the monthly premium amount and the bonus premium amount on the membership condition setting screen KI as shown in Fig. 7 and operates the button BT2, the employee terminal 5 transmits a membership application request including information indicating those premium amounts to the server 1. This membership application request is processed by the membership application receiving unit 118.

[0093] The membership application receiving unit 118 stores a group of information, for example the amount, the current date as the application date, the corporation ID, the employee ID, and whether or not approval has been granted, as membership application information in the membership application information storage unit 185. The application for membership requires approval from the support company SK. This is to allow the support company SK to check whether the specified membership conditions are appropriate for the employee JG, and to be able to respond to applications for membership conditions that are obviously input incorrectly or that are inappropriate.

[0094] For this purpose, the enrollment application receiving unit 118 also performs processing to have a person in a position to give approval at the support company SK approve the enrollment application submitted by the enrollment application request. More specifically, in addition to the enrollment conditions, (part of) the enrollee information of employee JG and set salary information are presented upon request, and approval or non-approval is input. As a result, ultimately, only the enrollment application information for which approval or non-approval is marked "yes" is stored in the enrollment application information storage unit 185 and transmitted to the defined benefit corporate pension fund KK. The presentation of various information, the input of approval or non-approval, etc. are realized by screens transmitted by the screen generation unit 124.

[0095] Corporation HJ must pay each employee JG a remuneration equal to or greater than the minimum wage. The hourly wage confirmation unit 119 refers to the salary payment information for each employee JG, calculates the hourly wage excluding the contribution amount, and confirms whether the calculated hourly wage is equal to or greater than the minimum wage. To make this confirmation, the hourly wage confirmation unit 119 may be started, for example, after salary payment information acquisition unit 114 acquires the salary payment information. The minimum wage is determined in the location of corporation HJ.

[0096] Some HJ corporations have fixed working hours, i.e. hours that employees JG should work, as stipulated by rules. In the payroll information of such HJ corporations, working hours are divided into those during regular working hours and those outside regular working hours, i.e. overtime hours. The salary amount is also divided into those during regular working hours and those outside regular working hours. When assuming such payroll information, the hourly wage to be calculated is, for example, the hourly wage amount per hour during regular working hours. For example, such an hourly wage amount can be calculated as follows, assuming that the salary amount during regular working hours is the first salary amount, and the salary amount obtained by working overtime hours at the regular working hours hourly wage is the second salary amount. Hourly wage = (1st salary amount + 2nd salary amount - monthly premium amount) / (Regular working hours + overtime working hours) This is just one example, and the hourly wage must be calculated in accordance with the labor regulations established by the HJ Corporation.

[0097] The confirmation result is stored by the hourly wage confirmation unit 119 in the hourly wage confirmation result storage unit 186 secured in the memory unit 18. The confirmation result is stored as a group of information combined with, for example, the corporate ID, the employee ID, the confirmation date, the hourly wage, the minimum wage, and the comparison result (confirmation result). The hourly wage is not limited to being compared with the minimum wage. It may be a wage that is equal to or higher than the minimum wage and that can be set at the employee's discretion. For this reason, the wage to be compared is not limited to the minimum wage.

[0098] When an employee JG whose hourly wage is less than the minimum wage is newly identified, the warning processing unit 120 performs processing to warn the employee JG and the person in charge TS that the wage is less than the minimum wage. The warning may be issued, for example, by sending an email to each of the employee JG and the person in charge TS, or by displaying a message to that effect at the time of login or after login. The method of issuing the warning is not particularly limited.

[0099] Whichever method is adopted, the employee JG and the person in charge TS will be able to quickly confirm that the employee JG has not been paid an adequate salary. Therefore, the employee JG will be able to take necessary measures such as changing the enrollment conditions, i.e., the premium amount, quickly and reliably. The person in charge TS will be able to quickly and reliably check the situation of the employee JG and take measures based on the results of that check.

[0100] The amount of contribution must be set within a range that will not result in an hourly wage amount less than the minimum wage. For this reason, the hourly wage amount confirmation unit 119 can calculate the hourly wage amount by referring to the set salary information, for example, in response to an instruction from the membership application acceptance unit 118, and can confirm whether the calculated hourly wage amount is equal to or greater than the minimum wage. By presenting the confirmation result, the support company SK (the person in charge) can more easily and reliably identify the membership conditions that are obviously input incorrectly or are inappropriate. As a result, it is virtually impossible for the employee JG to join under the membership conditions that would result in an hourly wage amount less than the minimum wage. The hourly wage amount confirmation unit 119 may be automatically performed in response to a membership application, and may automatically request a resetting of the membership conditions for a membership application that has inappropriate content.

[0101] For employee JG, joining, that is, using this pension service, is a form of asset formation since the contribution amount is accumulated. In addition, the salary payment information acquired from time to time is useful information for evaluating employee JG's ability to pay. For this reason, that is, because an environment in which the ability to pay can be appropriately evaluated is realized, this embodiment is capable of responding to loan applications from employee JG. The actual execution of the loan is carried out in cooperation with bank GK. For this reason, bank GK is shown in FIG. 4.

[0102] The loan application receiving unit 121 handles operations including accepting loan applications. It handles sending a loan application screen in response to a display request from the employee terminal 5 or the like, processing the loan application request including input information such as the loan amount desired input on the screen, and the like. The sending of any screen is actually performed by the screen generating unit 124. Note that the input information input on the screen includes, in addition to the loan amount desired, for example, the monthly payment amount for a mortgage or rent, the presence or absence of other debts, the amount of debts, and the like.

[0103] When a loan application request is received, the loan application receiving unit 121 stores a group of information including, for example, the input information, a corporate ID, an employee ID, the current date, whether or not a loan is approved, and a loan approval evaluation as loan application information in the loan application information storage unit 187 secured in the memory unit 18. At this time, for example, whether or not a loan is approved and the loan approval evaluation are both NULL.

[0104] The loan application acceptance unit 121 extracts, for example, set salary information and the most recent several months' worth of paid salary information from the salary information storage unit 183. After the extraction, the loan application acceptance unit 121 passes the extracted salary information together with the input information to the loan approval evaluation unit 122, and instructs the evaluation of the suitability of employee JG for granting a loan of the requested amount.

[0105] The loan approval evaluation unit 122 evaluates the suitability of employee JG using a multi-level numerical value, for example, by inputting each input information, set salary information, and several months' worth of salary payment information. The evaluation result is passed to the loan application reception unit 121. As a result, the loan application reception unit 121 updates the loan application information stored in the loan application information storage unit 187 by overwriting the evaluation result passed to it as loan approval evaluation information.

[0106] As with membership applications, the decision on whether or not to grant a loan is made by a person in a position to make such a decision at support company SK. For this reason, the loan application acceptance unit 121 performs processing to have the person in charge make a decision on whether or not to grant a loan, for example after updating the loan approval evaluation. For example, in addition to the loan application information, the set salary information and paid salary information of employee JG are presented upon request, and the person inputs whether or not to grant a loan. The loan application information storage unit 187 is updated based on the input results, which are stored in the loan application information storage unit 187. The presentation of various information, the input of whether or not to grant a loan, etc. are each realized by images transmitted by the screen generation unit 124.

[0107] If "Yes" is entered in the question about whether the loan can be executed, the loan to employee JG is executed. This loan is executed, for example, by depositing the money into the bank account that employee JG uses to deposit his / her salary. To do this, support company SK requests bank GK to deposit the money by specifying the amount and the bank account. A detailed explanation of such deposits is omitted.

[0108] In the functional configuration as described above, the simulation condition receiving unit 115 and the screen generating unit 124 correspond to the calculation condition input means in this embodiment. The simulation processing unit 116 corresponds to the calculation processing means in this embodiment. The information providing processing unit 117, the aggregation processing unit 123, and the screen generating unit 124 correspond to the output processing means in this embodiment. The salary information acquisition unit 114 corresponds to the salary information input means in this embodiment. The hourly wage confirmation unit 119 corresponds to the hourly wage calculation means in this embodiment. The warning processing unit 120 corresponds to the warning processing means in this embodiment. The loan application receiving unit 121 corresponds to the application receiving means in this embodiment. The loan applicability evaluation unit 122 corresponds to the support information generation unit in this embodiment, and the evaluation result corresponds to the support information.

[0109] In this embodiment, the management form of the defined benefit corporate pension is a fund type, and therefore the service is provided by the support company SK. However, the management form of the defined benefit corporate pension may be a contract type. This is because even if the defined benefit corporate pension is a contract type, the employee JG can be supported to use the defined benefit corporate pension in a way that suits him or her better. Therefore, the management form of the defined benefit corporate pension is not particularly limited. Necessary functions among those realized in this embodiment may be adopted depending on the results of the system design.

[0110] The following are some of the tax benefits available with defined contribution pension plans: · The entire amount of contributions made by the corporate HJ can be deducted as an expense. · Contributions made by employees of the JG are deductible as contributions to small business mutual aid schemes, etc. · Dividends and capital gains from investments are fully tax-free · While pension assets are in operation, they are subject to a special corporate tax every year, but are currently effectively tax-free If you receive the benefit as a pension, you can deduct it from the public pension allowance. If you receive the benefit as a lump sum, you can deduct it from your retirement income. As mentioned above, even with a defined contribution pension, both the corporation and employees can obtain tax savings by making contributions. For this reason, the target corporate pension may be a defined contribution pension or both. [Explanation of symbols]

[0111] 1 Information processing device (server), 2 Personnel system, 3 Payroll system, 4 Person in charge terminal, 5 Employee terminal, 6 Network, 7 Administrator terminal, 11 CPU, 18 Memory unit, 19 Communication unit, 111 Setting registration unit, 112 Subscriber registration unit, 113 Authentication unit, 114 Payroll information acquisition unit, 115 Simulation condition reception unit, 116 Simulation processing unit, 117 Information provision processing unit, 118 Joining application reception unit, 119 Hourly wage confirmation unit, 120 Warning processing unit, 121 Loan application reception unit, 122 Loan approval evaluation unit, 123 Counting processing unit, 124 Screen generation unit, 181 Setting information storage unit, 182 Subscriber information storage unit, 183 Payroll information storage unit, 184 Simulation result storage unit, 185 Joining application information storage unit, 186 Hourly wage confirmation result storage unit, 187 Loan application information storage unit 187, GK Bank, HJ Corporation, KK Defined Benefit Corporate Pension Fund, SK Support Company.

Claims

1. A calculation condition input means for inputting calculation conditions that at least indicate the contribution amount to a corporate pension plan that a company can join; a calculation processing means for calculating a tax-saving effect value representing a tax-saving effect expected to be obtained by at least one of the employees of the company who join the corporate pension plan and the company, using the calculation conditions; an output processing means capable of processing to output the saving effect value calculated by the calculation processing means; An information processing device comprising:

2. The contribution amounts represented by the calculation conditions include monthly contribution amounts to be contributed by the employees each month and bonus contribution amounts to be contributed at the time of bonus payment, The calculation processing means calculates the savings effect value using the monthly premium amount and the bonus premium amount. The information processing device according to claim 1 .

3. the calculation condition input means displays a screen on which one or more slider bars including a bar and a slider that can be moved to a position on the bar are arranged, and at least one of the monthly premium amount and the bonus premium amount is input by an operation of moving the position of the slider; The information processing device according to claim 1 .

4. the calculation condition input means causes a message according to a bet amount corresponding to the position of the slider to be placed on the screen; The information processing device according to claim 3 .

5. the calculation condition input means is capable of inputting a plurality of the calculation conditions; The calculation processing means calculates a plurality of expected contribution amounts according to the enrollment period of the corporate pension plan under at least one of the plurality of calculation conditions, The output processing means is capable of outputting a screen on which the savings effect value for each calculation condition and a plurality of the predicted savings amounts are arranged. The information processing device according to claim 1 .

6. The calculation processing means estimates, for each employee, a change in the tax class associated with the employee's contribution of the contribution amount; The output processing means is capable of outputting a screen on which the results of the estimation of the change in the grade for each employee by the calculation processing means are arranged in a visibly recognizable manner. The information processing device according to claim 1 .

7. The calculation processing means calculates a reduction in the amount of future employees' pension benefits that is expected to occur as a result of the employee's contribution of the premium amount, The output processing means is capable of outputting the decrease calculated by the calculation processing means. The information processing device according to claim 1 .

8. a salary information input means for inputting salary information representing at least the working hours of the employee and the amount of salary to be paid for the work during the working hours; an hourly wage calculation means for calculating the hourly wage of the employee when the applied contribution amount applied for by joining the corporate pension plan is subtracted from the salary amount based on the salary information and the applied contribution amount; and a warning processing means for performing processing to warn the employee when the hourly wage falls below a set amount. The information processing device according to claim 1 .

9. an application receiving means for receiving a loan application from the employee; a salary information input means for inputting salary information indicating at least the salary amount of the employee; and a support information generating means for generating support information for supporting a decision on whether or not to grant a loan to the employee based on the loan application, based on the salary information input by the salary information input means and the payment period during which premiums have been paid according to the applied premium amount applied for by joining the corporate pension plan, The output processing means is capable of outputting the support information. The information processing device according to claim 1 .

10. In the information processing device, The user is required to input calculation conditions that at least represent the amount of contributions to the corporate pension plan that the company is willing to participate in, Calculating a tax-saving effect value representing a tax-saving effect expected to be obtained by at least one of the employees of the company who join the corporate pension plan and the company using the calculation conditions; outputting the savings effect value; A program that executes a process.

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