Variable insurance management device, system, method, and program

Abstract

To manage customer assets more efficiently in a fund wrap service.SOLUTION: A variable insurance management device 110 includes: asset allocation acquisition means 12A that acquires data 22 about the asset allocation of a customer 9 prepared on the basis of data 21 about the intention of asset management of the customer 9; management premium acquisition means 13A that acquires a premium 24 to be managed from a customer account 23 at a financial institution; special account transfer means 14A that transfers the premium 24 of the customer 9 to each of multiple special accounts according to the types of investment target assets, included in the variable insurance 25 on the basis of the data 22 about the asset allocation; and variable insurance management means 15A that manages the variable insurance 25.SELECTED DRAWING: Figure 4

Description

[Technical field]

[0001] The present invention relates to a computer system that provides a fund wrap service that handles investments in investment assets. [Background technology]

[0002] Discretionary investment services are known as one type of financial service. In discretionary investment services, an investor concludes a discretionary investment contract with a financial institution, instructs the financial institution on the investment policy, and then entrusts the financial institution with the operation and management of the assets held by the investor. In recent years, among the various discretionary investment services, various financial institutions have been providing fund wrap services that handle investments in investment assets (e.g., investment trusts). For example, Patent Document 1 below discloses a computer system that provides a fund wrap service. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2020-112842 A Summary of the Invention [Problem to be solved by the invention]

[0004] Customers' interest and enthusiasm in asset formation is increasing year by year, and financial institutions offering fund wrap services are being called upon to manage customers' assets more efficiently, for example by offering customers benefits such as preferential tax treatment.

[0005] The present invention aims to more efficiently manage customers' assets in a fund wrap service. [Means for solving the problem]

[0006] The present invention for solving the above problems includes, for example, the following aspects. (Section 1) an asset allocation acquisition means for acquiring data on the asset allocation of a client, the data being created based on data on the client's asset management intention; an investment insurance premium acquisition means for acquiring investment insurance premiums from a customer account of a financial institution; a separate account transfer means for transferring the insurance premiums of the client to each of a plurality of separate accounts corresponding to the types of investment target assets included in the variable insurance based on the data on the asset allocation; A variable insurance investment means for investing the variable insurance; A variable insurance management device comprising: (Section 2) The variable insurance investment vehicle is: an investment performance update means for updating data on the investment performance of the variable insurance of the customer; an investment instruction acquisition means for acquiring data on investment instructions for the client, the data being created based on the data on the investment performance; an asset allocation change means for changing data regarding the asset allocation of the client based on data regarding the investment instructions; The variable insurance management device according to item 1, (Section 3) 3. The variable insurance management device according to item 2, wherein the asset allocation change means changes the allocation ratio of the plurality of separate accounts included in the variable insurance based on data regarding the changed asset allocation of the customer. (Section 4) The asset allocation change means determines whether or not it is necessary to change the allocation ratio of the separate account of the client based on an allowable value of a composition ratio set for each of the separate accounts for each investment type; 4. The variable insurance management device according to item 2 or 3, which changes the allocation ratio of the separate account of the client for which it is determined that a change is necessary. (Section 5) The asset allocation change means includes: extracting, from among the multiple customers, those customers for whom a change in the allocation ratio of the separate account is required, based on a determination value of a rebalancing necessity table having a number of patterns corresponding to the number of types of investment plans and the number of days during which a change in the allocation ratio of the separate account is to be made simultaneously for the multiple customers; 5. The variable insurance management device according to item 4, wherein the allocation ratio of the separate account of the extracted customer is changed. (Section 6) The variable insurance management device described in item 2 or 3, further comprising an investment asset adjustment means for calculating the difference between the amount of assets of the client before the allocation ratio of the separate account is changed and the amount of assets of the client after the allocation ratio of the separate account is changed, and performing a process of depositing or withdrawing the difference into or from the separate account for each of the multiple separate accounts. (Section 7) A variable insurance investment system including a variable insurance investment device and an investment instruction device, A variable insurance management device according to any one of items 1 to 6, An investment instruction device communicably connected to the variable insurance investment device, An investment intention acquisition means for acquiring data regarding a customer's asset investment intention; an asset allocation creation means for creating data regarding the asset allocation of the client based on the data regarding the asset management intention; an investment performance acquisition means for acquiring data on the investment performance of said client of variable insurance including a plurality of separate accounts according to the types of investment target assets; an investment instruction creating means for creating data on investment instructions for the client based on the data on the investment performance; The operation instruction device comprising: A variable insurance management system that includes the above. (Section 8) an asset allocation acquisition step of acquiring data on the asset allocation of the client, the data being created based on data on the client's asset management intention; an investment insurance premium acquisition step of acquiring the investment insurance premium from a customer account of the financial institution; a separate account transfer step of transferring the insurance premium of the client to each of a plurality of separate accounts corresponding to the types of investment target assets included in the variable insurance based on the data regarding the asset allocation; A variable insurance management step of managing the variable insurance; Variable insurance investment methods, including: (Section 9) A method performed by a variable insurance management system having a variable insurance management device and an investment instruction device, comprising: An investment intention acquisition step of acquiring data regarding a customer's asset management intention; an asset allocation creation step of creating data regarding the asset allocation of the client based on the data regarding the asset management intention; an investment insurance premium acquisition step of acquiring the investment insurance premium from a customer account of the financial institution; a separate account transfer step of transferring the insurance premium of the client to each of a plurality of separate accounts corresponding to the types of investment target assets included in the variable insurance based on the data regarding the asset allocation; A variable insurance management step of managing the variable insurance; Variable insurance investment methods, including: (Section 10) The variable insurance management step includes: an investment performance update step of updating data on the investment performance of the variable insurance of the customer; an investment instruction creating step of creating data regarding investment instructions for the client based on the data regarding the investment performance; an asset allocation change step of changing data regarding the asset allocation of the client based on data regarding the investment instruction; Item 9. A variable insurance investment method according to item 9. (Section 11) Item 11. The variable insurance management method according to item 10, wherein the asset allocation change step changes the allocation ratio of the plurality of separate accounts included in the variable insurance based on data regarding the changed asset allocation of the client. (Section 12) Item 12. The variable insurance management method according to item 10 or 11, wherein the variable insurance management step further includes an investment asset adjustment step of calculating the difference between the client's asset amount before the asset allocation is changed and the client's asset amount after the asset allocation is changed, and transferring the difference to or from the separate account, for each of the plurality of separate accounts. (Section 13) 7. A program for causing a computer to function as each of the means of the variable insurance management device according to any one of items 1 to 6. (Section 14) Item 7. A program for causing a computer to function as each of the means of the variable insurance management system described in item 7. Effect of the Invention

[0007] According to the present invention, it is possible to more efficiently manage clients' assets in a fund wrap service. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing a schematic overview of the fund wrap service provided by the present invention. [Diagram 2] FIG. 1 is a diagram showing a schematic image of asset allocation through a separate account in the fund wrap service provided by the present invention. [Diagram 3] 1 is a diagram illustrating a schematic configuration of a variable insurance management system according to one embodiment of the present invention. [Figure 4] FIG. 2 is a block diagram for explaining functions of a variable insurance management device provided in the variable insurance management system according to one embodiment of the present invention. [Diagram 5] FIG. 2 is a block diagram for explaining functions of an investment instruction device provided in the variable insurance investment system according to one embodiment of the present invention. [Figure 6] FIG. 2 is a block diagram for explaining functions of a counter financial institution device provided in the variable insurance management system according to one embodiment of the present invention. [Figure 7] FIG. 2 is a sequence diagram showing processing performed between devices in the variable insurance management system according to one embodiment of the present invention. [Figure 8] 1 is a flowchart for explaining a procedure of data processing at the time of contracting, which is performed by the variable insurance management system according to one embodiment of the present invention. [Figure 9] 1 is a flowchart for explaining a procedure of post-contract data processing performed by the variable insurance management system according to one embodiment of the present invention. [Figure 10] 1 is a diagram comparing the schemes of discretionary investment contracts between the fund wrap service provided by the variable insurance management system according to one embodiment of the present invention and other conventional fund wrap products and insurance products. [Figure 11] 1 is a diagram comparing the fund wrap service provided by the variable insurance management system according to one embodiment of the present invention with other conventional fund wrap products and insurance products. [Figure 12] FIG. 11 is a diagram showing another aspect of the order of data processing performed between the devices constituting the variable insurance management system according to one embodiment of the present invention and the type of data used in the data processing. [Figure 13] FIG. 11 is a diagram showing another aspect of the order of data processing performed between the devices constituting the variable insurance management system according to one embodiment of the present invention and the type of data used in the data processing. [Figure 14] FIG. 11 is a diagram showing another aspect of the order of data processing performed between the devices constituting the variable insurance management system according to one embodiment of the present invention and the type of data used in the data processing. [Figure 15] FIG. 11 is a diagram showing another aspect of the order of data processing performed between the devices constituting the variable insurance management system according to one embodiment of the present invention and the type of data used in the data processing. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] Hereinafter, an embodiment of the present invention will be described in detail with reference to the accompanying drawings. In the following description and drawings, the same reference numerals denote the same or similar components, and therefore, redundant description of the same or similar components will be omitted.

[0010] [Outline of the service provided by the invention] Fig. 1 is a diagram showing a schematic overview of the fund wrap service provided by the present invention. Fig. 2 is a diagram showing a schematic image of asset allocation by a separate account in the fund wrap service provided by the present invention.

[0011] With reference to FIG. 1 and FIG. 2, the outline of the fund wrap service provided by the present invention will be described. As shown in FIG. 1, in the fund wrap service provided by the present invention, an insurance company manages variable insurance that incorporates a separate account in the fund wrap service. As shown in FIG. 2, the customer's asset allocation (also called a portfolio) is configured using multiple separate accounts according to the types of investment target assets. As a result, the variable insurance managed by the insurance company includes multiple separate accounts according to the types of investment target assets, and it becomes possible to provide customers with the benefits of the separate accounts set up by the insurance company that could not be provided to customers with conventional fund wrap products. The benefits of the separate accounts include, for example, in the tax system at the time of asset management, the deferral of tax on investment gains at the time of rebalancing and the non-taxation of investment gains at the time of switching, and, for example, in the tax system at the time of inheritance, a tax-free limit of 5 million yen is applied per legal heir.

[0012] Referring again to FIG. 1, a customer enters into an insurance contract with an insurance company, and enters into an investment advisory contract or a discretionary investment contract with an investment advisory / agency or an investment management company. In this embodiment, a case will be described as an example in which a discretionary investment contract is entered into between the customer and the investment management company, and the investment management company gives management instructions to the insurance company.

[0013] The insurance company receives insurance premiums from the customer based on the insurance contract between the customer and the insurance company, and manages the received insurance premiums as the above-mentioned variable insurance with a separate account incorporated in the fund wrap service. For example, an investment management business such as a securities company issues investment instructions for the variable insurance based on a discretionary investment contract between the customer and the investment management business. In the illustrated example, a financial institution such as a bank serves as a liaison agency between the customer and the insurance company and as a liaison agency between the customer and the investment management business.

[0014] When an insurance company manages a variable insurance policy, the insurance company obtains the client's asset allocation and management instructions for the client's assets from the investment management company.

[0015] The asset allocation for the client is prepared by the investment management company. The investment management company obtains the asset management intention from the client and prepares the asset allocation for the client based on the obtained asset management intention. The asset management intention of the client includes, for example, the desired asset allocation tendency (stable, aggressive, or intermediate) and information on the degree of acceptable investment risk.

[0016] An example of asset allocation (portfolio) is shown in Figure 2. In this embodiment, investment trusts are the investment target assets, and as shown in Figure 2, the asset allocation is configured using multiple types of special accounts (in the illustrated example, there are four: special account A (Japanese stocks), special account B (foreign stocks), special account C (Japanese bonds), and special account D (foreign bonds)) according to the type of investment trust (investment target assets), such as Japanese stocks and foreign bonds. Figure 2(A) is a stable asset allocation pattern with a high allocation ratio to bonds, and Figure 2(C) is an aggressive asset allocation pattern with a high allocation ratio to stocks. Figure 2(B) is an asset allocation pattern that is intermediate (intermediate) between the stable type and the aggressive type.

[0017] The investment management company prepares the investment instructions for the client assets. The investment management company obtains the performance data of the variable insurance from the insurance company, for example, every business day, and prepares the investment instructions for the client assets, for example, every business day, based on the obtained performance data. The investment instructions include, for example, an instruction to change the asset allocation pattern (e.g., from stable to aggressive) in the asset allocation pattern shown in FIG. 2, or an instruction to change the allocation ratio of the separate account within the intermediate type (e.g., increasing the allocation ratio of separate account A and decreasing the allocation ratio of separate account C). Preferably, the investment instruction data 28 includes the investment instructions expressed in the form of the allocation ratio of the separate account. This enables more efficient management of the variable insurance between the investment management company and the insurance company.

[0018] While the insurance company manages the variable insurance, the insurance company changes the asset allocation of the client based on the investment instructions of the client's assets obtained from the investment management company. The insurance company changes (i.e., rebalances) the allocation ratio of the separate account included in the variable insurance based on the changed asset allocation. The asset allocation and the allocation ratio of the separate account are changed, for example, every business day. The insurance company manages the variable insurance including the separate account with the changed allocation ratio. The investment gain obtained by the management of the variable insurance is secured as a profit, for example, whenever the investment gain amount specified by the client is reached. The client can receive the secured investment gain, for example, at a desired timing. For example, when the insurance contract is terminated, the insurance company pays the secured investment gain to the client in addition to the insurance money or the surrender value. Also, for example, the secured investment gain is divided into annual or monthly payments as an annuity and paid to the client by the insurance company. In the following, the aspect of managing the variable insurance among the fund wrap services provided by the present invention will be mainly described.

[0019] [System Configuration] Fig. 3 is a diagram showing a schematic configuration of a variable insurance management system according to one embodiment of the present invention. A variable insurance management system 100 according to one embodiment (hereinafter, also simply referred to as system 100) is a computer system that provides a fund wrap service exemplified in Figs. 1 and 2 to a customer 9. The system 100 comprises a variable insurance management device 110, an investment instruction device 120, a window financial institution device 130, and a customer terminal device 140. These devices 110, 120, 130, and 140 are connected to each other so as to be able to communicate data with each other via a network 90 such as the Internet or a dedicated line. The customer terminal device 140 is optional.

[0020] The variable insurance management device 110 is a device for managing variable insurance that incorporates a separate account into a fund wrap service. The management instruction device 120 is a device for issuing management instructions for variable insurance managed by the variable insurance management device 110. The counter financial institution device 130 is a device that serves as a counter between the customer terminal device 140 and the variable insurance management device 110 and between the customer terminal device 140 and the management instruction device 120. As will be described later, customer account data 23 is stored in the auxiliary storage device 20C of the counter financial institution device 130. The customer account data 23 is, for example, a bank account of a customer 9. In this embodiment, the variable insurance management device 110 is operated by an insurance company, the management instruction device 120 is operated by an investment management company such as a securities company, and the counter financial institution device 130 is operated by a financial institution such as a bank.

[0021] The customer terminal device 140 is an information terminal device used by the customer 9. The counter financial institution device 130 can provide the customer terminal device 140 with input / output operations related to some or all of its own functions by using the function of the customer terminal linking unit 99C.

[0022] [Device configuration] Figures 4 to 6 are block diagrams for explaining the function of each device provided in the variable insurance management system according to one embodiment of the present invention. Figure 4 is a functional block diagram of the variable insurance management device 110. Figure 5 is a functional block diagram of the management instruction device 120. Figure 6 is a functional block diagram of the counter financial institution device 130.

[0023] The variable insurance investment device 110 according to an embodiment shown in FIG. 4 includes a data processing unit 10A, an auxiliary storage device 20A, a communication interface unit (communication I / F unit) 31A, an input unit 32A, and a display unit 33A. Similarly, the investment instruction device 120 according to an embodiment shown in FIG. 5 includes a data processing unit 10B, an auxiliary storage device 20B, a communication I / F unit 31B, an input unit 32B, and a display unit 33B. Similarly, the window financial institution device 130 according to an embodiment shown in FIG. 6 includes a data processing unit 10C, an auxiliary storage device 20C, a communication I / F unit 31C, an input unit 32C, and a display unit 33C. The input units 32A, 32B, and 32C and the display units 33A, 33B, and 33C may be configured arbitrarily.

[0024] The data processing units 10A, 10B, and 10C are software configurations, and the auxiliary storage units 20A, 20B, and 20C, the communication I / F units 31A, 31B, and 31C, the input units 32A, 32B, and 32C, and the display units 33A, 33B, and 33C are hardware configurations. The variable insurance management device 110, the management instruction device 120, and the counter financial institution device 130 can be configured using, for example, a computer such as a server device or a general-purpose computer such as a personal computer. The customer terminal device 140 can be configured using, for example, a tablet terminal or a smartphone. Although not shown, each of these devices 110, 120, 130, and 140 further includes, as hardware configurations, a processor such as a CPU that performs data processing, and a memory that the processor uses as a working area for data processing.

[0025] The data processing units 10A, 10B, and 10C each execute a program P A ,P B ,P CIn this embodiment, the data processing units 10A, 10B, and 10C are provided as software functional blocks.

[0026] In this embodiment, the data processing unit 10A includes an asset allocation acquisition unit 12A, an investment insurance premium acquisition unit 13A, a special account transfer unit 14A, a variable insurance investment unit 15A, a fee collection unit 16A, an investment asset adjustment unit 17A, an investment report creation unit 18A, and an insurance money transmission unit 19A. The variable insurance investment unit 15A includes an investment performance update unit 151A, an investment instruction acquisition unit 152A, and an asset allocation change unit 153A. The fee collection unit 16A includes a remuneration transmission unit 161A. The data processing unit 10B includes an investment intention acquisition unit 11B, an asset allocation creation unit 12B, an investment performance acquisition unit 151B, an investment instruction creation unit 152B, and an expense acquisition unit 16B. The expense acquisition unit 16B includes a remuneration acquisition unit 161B. The data processing unit 10C includes an investment intention creating unit 11C, an investment insurance premium transmitting unit 13C, an investment report acquiring unit 18C, an insurance money acquiring unit 19C, and a customer terminal linking unit 99C.

[0027] The auxiliary storage devices 20A, 20B, and 20C are non-volatile storage devices that store an operating system (OS), various control programs, and data generated by the programs, and are configured, for example, with flash memory, eMMC (embedded multi media card), SSD (solid state drive), etc. Various data, such as the following examples, are created and stored in the auxiliary storage devices 20A, 20B, and 20C through processing by the data processing units 10A, 10B, and 10C and input from the communication I / F units 31A, 31B, and 31C and input units 32A, 32B, and 32C.

[0028] In this embodiment, the auxiliary storage device 20A stores asset allocation data 22, investment insurance premium data 24, variable insurance data 25, investment performance data 26, expense data 27, investment instruction data 28, investment report data 29, and a variable insurance investment program P. AThe auxiliary storage device 20B stores the investment intention data 21, the asset allocation data 22, the investment performance data 26, the expense data 27, the investment instruction data 28, and the investment management program P. B The auxiliary storage device 20C stores the investment intention data 21, the customer account data 23, the investment report data 29, and the counter financial institution program P C is stored.

[0029] Variable Insurance Management Program P A is a computer program for implementing each of the units 12A to 19A in the data processing unit 10A, which is a functional block. Similarly, the investment management program P B The respective units 11B to 12B, 151B to 152B, and 16B in the data processing unit 10B This is a computer program to realize the above. C The program P is a computer program for implementing each of the units 11C to 19C and 99C in the data processing unit 10C. A ,P B ,P C The programs P can be installed in the devices 110, 120, and 130 via a network 90 such as the Internet or a dedicated line connected by the communication I / F units 31A, 31B, and 31C. A ,P B ,P C The program P is read by each of the devices 110, 120, and 130 from a computer-readable non-transitory recording medium such as a memory card on which the program P is recorded. A ,P B ,P C Each of these may be installed on a respective device 110, 120, 130.

[0030] The communication I / F units 31A, 31B, and 31C transmit and receive data between the devices 110, 120, and 130 included in the variable insurance management system 100 via a wired or wireless network 90. ​​The communication I / F units 31A, 31B, and 31C can be various wired or wireless connections such as Ethernet (registered trademark), Wi-Fi (registered trademark), and Bluetooth (registered trademark). The input units 32A, 32B, and 32C can be configured with, for example, a mouse or a keyboard, and the display units 33A, 33B, and 33C can be configured with, for example, a liquid crystal display and an organic EL display. The input units 32A, 32B, and 32C and the display units 33A, 33B, and 33C can be integrated as a touch panel.

[0031] Various data stored in the auxiliary storage devices 20A, 20B, and 20C will be described with reference to Table 1. The investment intention data 21 is data related to the asset management intention of the client 9, and includes, for example, information regarding the amount of financial assets desired to be managed, the desired management period, the desired trend of asset allocation (stable, aggressive, or intermediate), and the degree of acceptable investment risk. The investment intention data 21 is prepared, for example, in the form of a hearing for the client 9.

[0032] The asset allocation data 22 is data on the asset allocation of the client 9, and is a so-called portfolio. The asset allocation data 22 includes the types of separate accounts held by the client 9 and the ratio of the separate accounts. The asset allocation data 22 includes, for example, any of the asset allocation patterns illustrated in (A) to (C) of FIG. 2. In the present invention, the asset allocation of the client 9 is configured using a plurality of separate accounts according to the types of investment target assets. As a result, the variable insurance managed by the insurance company includes a plurality of separate accounts according to the types of investment target assets. The asset allocation data 22 is initially an allocation when the insurance premium is transferred to the separate account, but after the transfer, the allocation changes according to the results of asset management. Since it is necessary to continue to hold the initial allocation of the separate account as the asset allocation targeted during management, the asset allocation data 22 is stored in the auxiliary storage device 20A by copying the initial allocation. This copied initial allocation is not changed by the asset allocation change unit 153A.

[0033] The customer account data 23 is, for example, a bank account of the customer 9. The managed insurance premium data 24 is data related to insurance premiums of the customer 9 managed by the insurance company, and includes insurance premiums obtained from the customer account data 23.

[0034] The variable insurance data 25 is data on variable insurance managed by an insurance company, and includes data on variable insurance including multiple separate accounts according to the types of investment assets, and investment gains obtained by managing the variable insurance. Insurance premiums to be managed are deposited in each of the multiple separate accounts included in the variable insurance based on the asset allocation data 22 (portfolio).

[0035] The performance data 26 is data on the performance of variable insurance managed by an insurance company. The performance data 26 includes information on the number of shares, amount, unit price, and transaction date of sales and purchases for each of the multiple separate accounts that make up the variable insurance. The performance data 26 also includes information on the most recent date on which the allocation ratio of the separate account was changed.

[0036] The expense data 27 is data on expenses collected from the client 9, and includes, for example, information on expenses for maintaining and managing insurance contracts (insurance-related expenses) and information on expenses related to discretionary investment (discretionary investment fees). Insurance-related expenses include, for example, fees to insurance companies that manage variable insurance. Discretionary investment fees are fees to investment managers that give instructions on the management of client assets.

[0037] The investment instruction data 28 is data related to investment instructions for variable insurance. The investment instruction data 28 includes, for example, an instruction to change the asset allocation pattern (e.g., from a stable type to an aggressive type) in the asset allocation pattern shown in FIG. 2, or an instruction to change the allocation ratio of a separate account within an intermediate type (e.g., increase the allocation ratio of separate account A and decrease the allocation ratio of separate account C). Preferably, the investment instruction data 28 includes an investment instruction expressed in the form of an allocation ratio of a separate account, and is transmitted from the investment instruction device 120 to the variable insurance investment device 110. The investment report data 29 is data related to the investment report of variable insurance managed by an insurance company, and is a so-called investment report. In order to obtain insurance-related expenses and discretionary investment fees by selling separate accounts, the investment report data 29 preferably includes information on the history of expenses that are the sum of insurance-related expenses and discretionary investment fees.

[0038] [Table 1]

[0039] Each functional block included in data processing unit 10A of variable insurance management device 110 will be described with reference to FIG.

[0040] The asset allocation acquisition unit 12A acquires and records asset allocation data 22 from the investment instruction device 120. The investment insurance premium acquisition unit 13A acquires the investment insurance premium from the customer account data 23 of the counter financial institution device 130 and records it as investment insurance premium data 24. The investment insurance premium may be acquired, for example, in full at the time of the initial contract, or, for example, a predetermined amount may be acquired every month. The amount of the investment insurance premium may be changed at any timing desired by the customer 9.

[0041] The separate account transfer unit 14A transfers the insurance premiums of the customer 9 included in the investment insurance premium data 24 to each of a plurality of separate accounts included in the variable insurance data 25 based on the asset allocation data 22. The insurance premiums to be transferred to the separate accounts may be transferred in full, for example, at the time of the initial contract, or a predetermined amount may be transferred monthly, for example.

[0042] Variable insurance management unit 15A manages variable insurance included in variable insurance data 25. Variable insurance is managed for each type of separate account (for example, for each type of separate account A to D). By managing variable insurance, variable insurance data 25 is updated, for example, every business day.

[0043] The investment performance update unit 151A creates or updates the investment performance data 26 of the variable insurance customer 9 based on the variable insurance data 25 updated, for example, every business day. The investment performance data 26 is updated, for example, every business day. In this embodiment, the investment performance data 26 includes the total amount of the daily deposit amount in the special account and the fee collected from the customer 9. For example, assume that the deposit amount in a certain special account is "100". If the deposit amount increases by "2" (investment gain) due to price fluctuation on the next day and a fee of "3" is collected from the customer 9 as a related fee, the investment performance update unit 151A records the amount "99" in the investment performance data 26 as the deposit amount in the certain special account. In this embodiment, the related fee collected from the customer 9 is the total fee of the insurance-related fee and the discretionary investment fee, which are included in the fee data 27 described later.

[0044] The investment instruction acquisition unit 152A acquires investment instruction data 28 from the investment instruction device 120. The asset allocation change unit 153A changes the asset allocation data 22 of the client 9 based on the investment instruction data 28. If the investment instruction data 28 includes an instruction to change the allocation ratio of a separate account, for example, the asset allocation change unit 153A changes (i.e., rebalances) the allocation ratio of multiple separate accounts included in the variable insurance data 25 based on the changed asset allocation data 22 of the client 9.

[0045] The fee collection unit 16A creates the fee data 27 and collects the fee from the client 9 based on the created fee data 27. The fee collection unit 16A calculates, for example, the discretionary investment fee amount based on the information included in the fee data 27, for example, the information on the increase / decrease in the special account included in the performance data 26. The fee amount to the insurance company is calculated in the same manner. The calculated fee (fee amount) is recorded in the fee data 27. The fee collection unit 16A collects from the client 9 the total of the insurance-related expenses and the discretionary investment fee included in the fee data 27. The fee collection from the client 9 is performed, for example, by subtracting the total of the expenses from the deposit amount of the special account included in the variable insurance data 25. The fee transmission unit 161A transmits (transfers) the discretionary investment fee amount included in the fee data 27 to, for example, a deposit account of the investment instruction device 120. In this embodiment, the fee collection from the client 9 is performed, for example, on the last business day of the end of each month.

[0046] The investment asset adjustment unit 17A calculates the difference between the asset amount of the client 9 before the allocation ratio of the separate account is changed and the asset amount of the client 9 after the allocation ratio of the separate account is changed, and performs a process of transferring or withdrawing the difference to the separate account for each of the multiple separate accounts. The asset amount of the client 9 is the total amount of the insurance premiums deposited by the client 9 and the investment gains obtained by the management of the variable insurance. The investment asset adjustment unit 17A updates the variable insurance data 25 in accordance with the process of transferring or withdrawing the difference to the separate account. In this way, the investment asset adjustment unit 17A adjusts the asset amount of one client 9 so that it is the same before and after the allocation ratio of the separate account is changed.

[0047] The investment report creation unit 18A creates investment report data 29 for the customer 9 based on the investment performance data 26. The insurance money transmission unit 19A transmits (sends) the insurance money or the surrender value to the counter financial institution device 130 in this embodiment based on the variable insurance data 25. In other embodiments, the insurance money transmission unit 19A can also directly remit the insurance money or the surrender value to a customer account of another financial institution device (not shown) designated by the customer 9, without going through the counter financial institution device 130.

[0048] Each functional block included in the data processing unit 10B of the operation instruction device 120 will be described with reference to FIG.

[0049] The investment intention acquisition unit 11B acquires and records the investment intention data 21 from the counter financial institution device 130 or the variable insurance investment device 110. The investment intention acquisition unit 11B can acquire the investment intention data 21 directly from the counter financial institution device 130, or indirectly via the variable insurance investment device 110.

[0050] The asset allocation creation unit 12B creates asset allocation data 22 for the client 9 based on the investment intention data 21. For example, the asset allocation creation unit 12B can create the asset allocation data 22 by processing the investment intention data 21 using a computer program written in a script language (e.g., PHP, Ruby, Python, Java, etc.) capable of processing character strings. In this case, the asset allocation creation unit 12B can statistically process, for example, past investment intention data of other clients and the knowledge of the investment management company, and can create the asset allocation data 22 for the client 9 based on the results of the statistical processing. Alternatively, the asset allocation creation unit 12B can present a display screen using, for example, a GUI (Graphical User Interface) for creating the asset allocation data 22 to the operator of the investment management company via the display unit 33B, and create the asset allocation data 22 based on a correction instruction from the operator via the input unit 32B. In this case, the investment intention data 21 for the client 9 is displayed on the display screen using the GUI for the operator to refer to.

[0051] Alternatively, the asset allocation creation unit 12B can be configured using, for example, artificial intelligence (AI), and can create the asset allocation data 22 by determining a recommended asset allocation based on the investment intention data 21 of the client 9 and the investment intention data of other clients up to now (past). The recommended asset allocation can be appropriately modified by, for example, an operator via the input unit 32B and the display unit 33B.

[0052] The investment performance acquisition unit 151B acquires the investment performance data 26 from the variable insurance investment device 110.

[0053] The investment instruction creation unit 152B creates investment instruction data 28 for the client 9 based on the investment performance data 26. The investment instruction data 28 includes investment instructions expressed in the form of allocation ratios of separate accounts. For example, the investment instruction creation unit 152B can present a display screen, for example, a GUI, for creating the investment instruction data 28 to the operator of the investment management company via the display unit 33B, and create the investment instruction data 28 based on a correction instruction from the operator via the input unit 32B. In this case, the investment performance data 26 is displayed on the display screen using the GUI for the operator to refer to. Alternatively, the investment instruction creation unit 152B can perform statistical processing of, for example, past investment instruction data for other clients and the knowledge of the investment management company, and create the investment instruction data 28 for the client 9 based on the results of the statistical processing.

[0054] Alternatively, the investment instruction creation unit 152B can be configured using, for example, artificial intelligence (AI), and can create recommended investment instruction data 28 based on the investment performance data 26 and data related to the performance of investment instructions given by the investment management company up to now. The recommended investment instructions can be appropriately revised by, for example, an operator via the input unit 32B and the display unit 33B.

[0055] The expense obtaining unit 16B obtains the expense data 27 from the variable insurance management device 110. The remuneration obtaining unit 161B obtains the remuneration for the discretionary investment remuneration amount included in the expense data 27 from the variable insurance management device 110.

[0056] Referring to FIG. 6, the functional blocks included in the data processing unit 10C of the counter financial institution device 130 will be described.

[0057] The investment intention creation unit 11C creates investment intention data 21 of the customer 9 by presenting, for example, a hearing sheet to the customer 9. For example, the contents of a hearing for the customer 9 are displayed on, for example, the display unit 33C via a display screen using a GUI, and the answer to the hearing is input via, for example, the input unit 32C. Alternatively, the investment intention creation unit 11C can create the investment intention data 21 by processing, for example, a hearing sheet in a text data format using a computer program written in, for example, a script language.

[0058] The investment insurance premium transmission unit 13C transmits (remits) the investment insurance premium from the customer account data 23 to the variable insurance investment device 110. The investment report acquisition unit 18C acquires investment report data 29 from the variable insurance investment device 110. The insurance money acquisition unit 19C acquires the insurance money or the surrender value from the variable insurance investment device 110. The acquired insurance money or the surrender value is recorded in, for example, the customer account data 23.

[0059] The customer terminal linking unit 99C provides input / output operations related to some or all of the functions of the data processing unit 10C to the customer terminal device 140 via the communication I / F unit 31C. This allows the customer 9 to perform some or all of the operations performed by an operator of the financial institution acting as a window institution via the customer terminal device 140.

[0060] [Processing Procedure] Fig. 7 is a sequence diagram showing the processing performed between each device of the variable insurance management system according to one embodiment of the present invention. Figs. 8 and 9 are flowcharts for explaining the procedure of data processing performed by the variable insurance management system according to one embodiment of the present invention. Fig. 8 is a flowchart showing processing at the time of contracting. Fig. 9 is a flowchart showing processing after contracting. The processing after contracting shown in Fig. 9 includes processing performed, for example, daily and processing performed, for example, quarterly.

[0061] Data processing at the time of contracting will be described with reference to Figures 7 and 8. In step S1 (investment intention creation and transmission step), the customer's asset management intention is acquired. The window financial institution device 130 creates investment intention data 21 for the customer 9, and transmits the created investment intention data 21 to the investment instruction device 120. The investment instruction device 120 acquires the investment intention data 21 for the customer 9.

[0062] In step S2 (asset allocation creation and transmission step), the asset allocation of the client is created based on the client's asset management intention. The investment instruction device 120 creates asset allocation data 22 for the client 9 based on the investment intention data 21, and transmits the created asset allocation data 22 to the variable insurance investment device 110. The variable insurance investment device 110 acquires the asset allocation data 22 for the client 9.

[0063] In step S3 (investment insurance premium transmission step), the insurance premium to be invested is obtained from the customer account of the financial institution. The counter financial institution device 130 transmits (remits) the insurance premium to be invested from the customer account data 23 to the variable insurance investment device 110. The variable insurance investment device 110 obtains the investment insurance premium and records it as investment insurance premium data 24. The transfer destination of the investment insurance premium from the counter financial institution device 130 to the variable insurance investment device 110 can be, for example, a designated account of the insurance company that operates the variable insurance investment device 110.

[0064] In step S4 (separate account transfer step), the insurance premiums of the client are transferred to each of a plurality of separate accounts included in the variable insurance based on the asset allocation. The variable insurance management device 110 transfers the insurance premiums of the client 9 included in the management insurance premium data 24 to each of a plurality of separate accounts corresponding to the types of investment target assets included in the variable insurance data 25 based on the asset allocation data 22.

[0065] In step S5 (variable insurance management step), the variable insurance is managed. The variable insurance management device 110 starts managing the variable insurance included in the variable insurance data 25. The variable insurance is managed for each type of separate account (for example, for each type of separate account A to D).

[0066] Thereafter, as the variable insurance is managed, the variable insurance management device 110 updates the variable insurance data 25, for example, every business day.

[0067] Data processing after the contract will be described with reference to Figures 7 and 9. In step S11 (investment performance update and transmission step), the investment performance of the variable insurance client is updated. The variable insurance investment device 110 creates or updates investment performance data 26 of the variable insurance client 9 based on variable insurance data 25 updated, for example, every business day, and transmits the created or updated investment performance data 26 to the investment instruction device 120. The investment instruction device 120 acquires the investment performance data 26.

[0068] In this embodiment, if the business day is, for example, the last business day of the month, in step S11, a process for collecting fees from the client 9 is also performed. In the variable insurance management device 110, the fee collection unit 16A creates fee data 27, and the fee collection unit 16A collects fees from the client 9 by subtracting the total fee of the insurance-related expenses and the discretionary investment fee from the deposit amount of the separate account. The fee transmission unit 161A transmits the discretionary investment fee amount included in the fee data 27 to the deposit account of the management instruction device 120. In the management instruction device 120, the fee acquisition unit 16B acquires the fee data 27 from the variable insurance management device 110. The fee acquisition unit 161B acquires the fee for the discretionary investment fee amount from the variable insurance management device 110.

[0069] In step S12 (investment instruction creation and transmission step), investment instructions for the client are created based on the investment performance. The investment instruction device 120 creates investment instruction data 28 for the client 9 based on the investment performance data 26, and transmits the created investment instruction data 28 to the variable insurance investment device 110. The variable insurance investment device 110 acquires the investment instruction data 28 for the client 9.

[0070] In step S13 (asset allocation change step), the asset allocation of the client is changed based on the investment instructions. The variable insurance investment device 110 changes the asset allocation data 22 of the client 9 based on the investment instruction data 28. If the investment instruction data 28 includes an instruction to change the allocation ratio of a separate account, for example, the variable insurance investment device 110 changes (i.e., rebalances) the allocation ratio of multiple separate accounts included in the variable insurance data 25 based on the changed asset allocation data 22 of the client 9.

[0071] In step S14 (investment asset adjustment step), the investment assets are adjusted. Variable insurance investment device 110 calculates the difference between the asset amount of client 9 before the allocation ratio of the separate account is changed and the asset amount of client 9 after the allocation ratio of the separate account is changed, and performs a process of transferring or withdrawing the difference to or from the separate account for each of the multiple separate accounts. Variable insurance investment device 110 updates variable insurance data 25 in accordance with the process of transferring or withdrawing the difference to or from the separate account.

[0072] In step S15 (investment report creation and transmission step), an investment report is created. The variable insurance investment device 110 creates investment report data 29 for the customer 9 based on the investment performance data 26, and transmits the created investment report data 29 to the counter financial institution device 130. The counter financial institution device 130 acquires the investment report data 29. The counter financial institution device 130 can then send the acquired investment report data 29 to the customer 9. There are various modes for sending the investment report data 29 to the customer 9. For example, a document containing the investment report data 29 may be mailed to the customer 9, or, for example, the investment report data 29 may be sent to the customer terminal device 140 and displayed on the customer terminal device 140.

[0073] At the time of cancellation, as shown as step S21 (insurance payment transmission step) in the sequence diagram of FIG. 7, the variable insurance management device 110 transmits (remits) the insurance payment or surrender value to the counter financial institution device 130 based on the managed insurance premium data 24 and the variable insurance data 25.

[0074] [effect] As described above, the variable insurance management system according to one embodiment of the present invention can provide a fund wrap service for more efficiently managing clients' assets.

[0075] Fig. 10 is a diagram comparing the schemes of discretionary investment contracts between the fund wrap service provided by the variable insurance management system according to one embodiment of the present invention and other conventional fund wrap products and insurance products. Fig. 11 is a diagram comparing the fund wrap service provided by the variable insurance management system according to one embodiment of the present invention with other conventional fund wrap products and insurance products.

[0076] As shown in Fig. 10 and Fig. 1, in a fund wrap service provided by a variable insurance management system 100 according to one embodiment, an insurance company uses a variable insurance management device 110 to manage variable insurance that incorporates a separate account into the fund wrap service. As shown in Fig. 10 and Fig. 2, a customer's asset allocation (also called a portfolio) is configured using multiple separate accounts (in the illustrated example, there are four separate accounts, namely, separate accounts A to D) according to the types of investment target assets. As a result, the variable insurance managed by the insurance company using the variable insurance management device 110 includes multiple separate accounts according to the types of investment target assets, making it possible to provide customers with the benefits of separate accounts set up at insurance companies, which could not be provided to customers with conventional fund wrap products.

[0077] The benefits of a special account, as shown in comparison with Figure 11, include, for example, with regard to the tax system for asset management, the deferral of tax on investment gains at the time of rebalancing and the fact that investment gains at the time of switching are tax-free, and, for example, with regard to the tax system for inheritance, a tax-free limit of 5 million yen is applied per legal heir.

[0078] Also in accordance with one embodiment of the present invention, the investment instruction data 28 preferably includes investment instructions expressed in the form of separate account allocation ratios, which allows for more efficient management of variable insurance between the investment manager and the insurance company, as described below.

[0079] In traditional fund wrap products (general discretionary investment contracts) that do not allocate assets through a separate account, investment instructions are given by specifying the amount (number of units x unit price), similar to the method of placing and receiving orders for investment trusts. Since it is necessary to specify the amount in order to give investment instructions, portfolio reviews such as rebalancing are carried out after the market value of the investment trust has been determined. For this reason, with traditional fund wrap products, there is a period during which assets cannot be managed until a new investment trust is purchased.

[0080] In contrast, according to one embodiment of the present invention, the investment instructions contained in the investment instruction data 28 are expressed in the form of an allocation ratio of a separate account. The key point is that the investment instructions from the investment management company to the insurance company are given in terms of an allocation ratio rather than in monetary terms. Because the investment instructions are expressed in the form of an allocation ratio of a separate account, it becomes possible to create and issue investment instructions before the market value of the investment trust is determined, and the insurance company that manages the variable insurance then converts the allocation ratio of the separate account into the amount of assets. This makes it possible to buy and sell assets instantly, and there is no gap in asset management.

[0081] An example of when rebalancing is started on a certain day (hereinafter referred to as day α) is shown below, for both the process of a conventional fund wrap product that does not allocate assets through a separate account, and the process of one embodiment of the present invention that allocates assets through a separate account. <Process for conventional fund wrap products> 1) Day α: In the evening, the market value of client assets is determined. 2) α+1 day: Morning: Create investment instructions based on market value 3) α+1 day: Morning: Place orders for buying and selling assets based on investment instructions 4)α+2nd: Start of operation in the morning <Steps in one embodiment of the present invention> 1) Day α: Evening The market value of the client's assets is determined (by the insurance company) 2) Day α: Evening Before the market value is known, create investment instructions (allocation ratio) and communicate with the insurance company (investment management company) 3) Day α: Evening Investment instructions (allocation ratio) and market value are combined and placed in a separate account (at the insurance company) 4) α+1 day: Start of operation in the morning

[0082] Furthermore, according to one embodiment of the present invention, the timing for collecting fees from the customer 9 is preferably, for example, on the last business day of the month. This allows for more efficient management of variable insurance, as will be described below.

[0083] In conventional general discretionary investment services (fund wrap products), the discretionary investment fee is collected, for example, quarterly from the cash obtained by selling a portion of the investment trusts and the like that constitute the client's assets. In conventional general insurance contracts (insurance products), insurance-related expenses are collected daily from a separate account. When these conventional general discretionary investment services are simply combined with a general insurance contract, the separate account portion of the insurance contract becomes the investment target asset of the discretionary investment contract. In this case, a part of the client's assets is sold quarterly to collect the discretionary investment fee for the discretionary investment contract from the client, and a part of the client's assets is sold daily to collect the insurance-related expenses for the insurance contract from the client, resulting in a complicated process. With such a complicated process, the insurance company needs to hold a part of the client's assets in cash every day in preparation for collecting the expenses from the client, which is extremely inefficient in managing the client's assets.

[0084] In contrast, in one embodiment of the present invention, which manages variable insurance that incorporates a separate account into a fund wrap service, the discretionary investment fee and insurance-related expenses are added together and collected from the customer on the last day of each month. The insurance company deducts the combined expenses from the separate account and then pays the discretionary investment fee to the investment management company. In this way, in one embodiment of the present invention, by limiting the timing for collecting fees from customers to the last day of each month, the insurance company sells customer-managed assets and holds them as cash for one day in preparation for collecting fees from customers. This makes it easier for customers to understand the display of expenses and enables efficiency in terms of management.

[0085] [Other formats] Although the present invention has been described above with reference to specific embodiments, the present invention is not limited to the above-described embodiments.

[0086] In the above embodiment, the investment instruction acquisition unit 152A acquires the investment instruction data 28 from the investment instruction device 120, and the asset allocation change unit 153A changes the asset allocation data 22 of the client 9 based on the investment instruction data 28 acquired from the investment instruction device 120. However, the investment instruction acquisition unit 152A and the asset allocation change unit 153A of the variable insurance investment device 110 do not need to perform such data processing for all clients 9. According to another embodiment of the present invention described below, the insurance company acquires the asset allocation data 22 of all clients 9 from the investment company in advance, and the asset allocation change unit 153A can change (i.e., rebalance) the allocation ratio of the separate account only for specific clients for whom it is determined that the allocation ratio of the separate account needs to be changed. This makes it possible to reduce the processing time required for the variable insurance investment device 110 to change the allocation ratio of the separate account of the client 9. In another embodiment, the mode of reducing the processing time includes the following two modes.

[0087] First aspect In a first aspect of another embodiment, the asset allocation change unit 153A determines whether or not the allocation ratio of a customer 9's special account needs to be changed based on the allowable composition ratios set for each special account (special accounts A to D) for each investment type (stable, aggressive, or intermediate), and can change the allocation ratio of a customer 9's special account for customers 9 for which it is determined that a change is necessary.

[0088] Table 2 shows an example of the change conditions of the allocation ratio of the separate account of the client 9 used for the judgment by the asset allocation change unit 153A in the first embodiment. In Table 2, the allowable composition ratio set for each separate account is shown for each investment type. The change conditions of the allocation ratio of the separate account shown in Table 2 are created or updated by, for example, the operator of the investment instruction device 120 via, for example, the input unit 32B and the display unit 33B, and are transmitted in advance from the investment instruction device 120 to the variable insurance investment device 110 and recorded in the auxiliary storage device 20A. The operator of the investment instruction device 120 can create and update the change conditions of the allocation ratio of the separate account shown in Table 2 in response to, for example, real-time fluctuations in the market price. As shown in Table 2, the change conditions can be provided with a column for the application base date.

[0089] [Table 2]

[0090] In the example shown in Table 2, the composition ratio of the special account A (Japanese stocks) is specified as "54%" for the investment type "30" (aggressive type), and the upper limit value "62%" and the lower limit value "47%" are specified as the allowable values ​​of the composition ratio. As with the special account A, the upper limit value and the lower limit value are specified as the allowable values ​​of the composition ratio for the other special accounts B to D. For example, based on the result of asset management (management data 26) calculated by step S11 on the business day, the asset allocation change unit 153A judges whether the ratio of assets of the special account specified for the investment type of the customer 9 is within the allowable values ​​of the composition ratio shown in Table 2 for each customer 9. For example, for the customer 9 whose investment type is "30" (aggressive type), it judges whether the composition ratio of assets of the special account A (Japanese stocks) is within the range of 47% to 62%. Similarly, it judges whether the composition ratio of assets of the special account B (foreign stocks) is within the range of 17% to 23%. It judges similarly for the special accounts C (Japanese bonds) and D (foreign bonds). The same judgment is made for customer 9 whose investment type is “10” (stable type) or “20” (intermediate type).

[0091] If, for example, the composition ratio of any of the multiple separate accounts A to D exceeds the range of allowable values, the asset allocation change unit 153A determines that the allocation ratio of the separate account for that client 9 needs to be changed. For clients 9 for whom it has been determined that the allocation ratio of the separate account needs to be changed, the variable insurance investment device 110 or the investment instruction device 120 performs a series of data processing steps shown from step S12 of the above embodiment.

[0092] On the other hand, if the composition ratios of each of the multiple separate accounts A to D are all within the allowable range, the asset allocation change unit 153A determines that the allocation ratio of the separate accounts for that client 9 does not need to be changed. For a client 9 for which it is determined that the allocation ratio of the separate accounts does not need to be changed, the variable insurance investment device 110 and the investment instruction device 120 can omit part of the series of data processing steps S11 to S15 of the above embodiment performed on a business day. For example, among the processing steps performed in step S11 (investment performance update and transmission step), the processing of transmitting the investment performance data 26 created or updated by the variable insurance investment device 110 to the investment instruction device 120 can be omitted. In addition, the processing performed by the investment instruction device 120 in step S12 (investment instruction creation and transmission step) and the processing performed by the variable insurance investment device 110 in step S13 (asset allocation change step) can be omitted.

[0093] Second aspect In a second aspect of another embodiment, the asset allocation change unit 153A extracts customers 9 for whom the allocation ratio of the separate account needs to be changed based on a judgment value of a rebalancing necessity table having a number of patterns corresponding to the number of types of investment types (stable, aggressive, or intermediate) and the number of days in a period during which the allocation ratio of the separate account is changed for multiple customers 9 at the same time, and can change the allocation ratio of the separate account of the extracted customers 9. The number of types of investment types is, for example, three types: stable, aggressive, and intermediate. The period during which the allocation ratio of the separate account is changed for multiple customers 9 at the same time is, for example, a quarter (for example, 91 days from April 1 to June 30. The following description will be given for a quarter of 91 days). The variable insurance investment system 100 changes (i.e., rebalances) the allocation ratio of the separate account of each customer 9 according to the investment type for multiple customers 9 (preferably all customers 9) once a quarter, for example.

[0094] In other words, in the second aspect of the other embodiment, there are two types of rebalancing processes, and the timing of the rebalancing processes differs between them. The first rebalancing process is a rebalancing process that is performed, for example, once a quarter and is performed on multiple clients 9. The second rebalancing process is a rebalancing process that is performed, for example, every business day, only on clients 9 that have special accounts whose composition ratio exceeds the allowable value, as shown in the first aspect.

[0095] Table 3 shows an example of a rebalancing necessity table used by the asset allocation change unit 153A to extract clients 9 in the second embodiment. As shown in Table 3, in the table, a judgment value of "0" (not required) or "1" (required), indicating whether or not a change in the allocation ratio of the separate account is necessary, is set for each base date for each of the three investment types. The judgment value of "9" is the initial value when the table is created. The rebalancing necessity table shown in Table 3 is created in advance according to the procedure described below. The rebalancing necessity table is recreated each time the second rebalancing process described above is performed (for example, every business day).

[0096] [Table 3]

[0097] The number of judgment values ​​(number of patterns) shown in the table corresponds to the number of types of investment plans and the number of days in the period during which changes to the allocation ratios of separate accounts are made simultaneously for multiple customers 9. In the example shown in Table 3, there are three types of investment plans, and the variable insurance investment system 100 performs rebalancing at least once a quarter. Therefore, the number of judgment values ​​(number of patterns) shown in the table is a maximum of 273 (3 types x 91 days).

[0098] The rebalancing necessity table shown in Table 3 is recreated each time the second rebalancing process described above is performed. Therefore, if the first rebalancing process is not performed, the base dates for the rebalancing necessity table would need to cover all days from the start of sales of the variable insurance. By performing the first rebalancing process on all policies once per quarter, the asset allocation of all policies prior to that day becomes the same. As a result, the base dates for the rebalancing necessity table need only cover a maximum of 91 days, which is the equivalent of one quarter.

[0099] For example, a case will be described where all contracts are rebalanced on April 1st. For determining whether or not rebalancing is necessary on April 6th, the base date is for five days from April 1st to April 5th, and since there are three types of investment types in the example shown in Table 3, a rebalancing necessity table with 15 patterns (3 types x 5 days) is created. Similarly, for determining whether or not rebalancing is necessary on June 30th, the base date is for 90 days from April 1st to June 29th, and since there are three types of investment types in the example shown in Table 3, a rebalancing necessity table with 270 patterns (3 types x 90 days) is created.

[0100] Assume that the variable insurance management system 100 provides fund wrap services to thousands to tens of thousands of clients 9, and changes are made to the allocation ratios of the separate accounts for all of these clients 9 as data processing on a business day. In such a case, the time required for processing increases as the number of clients 9 increases, and it may become difficult to complete data processing related to changes to the allocation ratios of the separate accounts on a business day.

[0101] In contrast, in a second aspect of the embodiment, the rebalancing necessity table shown in Table 3 is used to extract from among a plurality of customers 9 those customers 9 who need to change the allocation ratio of the separate account, and a series of data processing steps S11 to S15 of the embodiment are performed for the extracted customers 9. Even if the number of customers 9 is on the scale of several thousand to tens of thousands, the asset allocation ratio of the customers 9 is classified by two search keys, the most recent date of changing the allocation ratio of the separate account and the investment type. Therefore, for example, if there are three types of investment types and the variable insurance investment system 100 performs rebalancing once a quarter, the asset allocation ratio of the customers 9 is classified into a maximum of 273 patterns (3 types x 91 days). Therefore, if the rebalancing necessity table shown in Table 3 is created in advance, and the patterns of changes in the allocation ratio of the separate account of the customers 9 are classified in advance into the 273 patterns shown in Table 3 for many customers 9 on the scale of several thousand to tens of thousands, it becomes possible to extract from among a plurality of customers 9 those customers 9 who really need to change the allocation ratio of the separate account. As a result, the series of data processing steps S11 to S15 in the above embodiment need only be performed for assets of clients 9 having a combination of base dates and investment types for which the judgment value is set to the value "1" in Table 3. For assets of clients 9 having a combination of base dates and investment types for which the judgment value is set to the value "0" in Table 3, the series of data processing steps S11 to S15 in the above embodiment can be omitted.

[0102] Of the 273 patterns shown in Table 3, for patterns for which no applicable customer 9 exists, even if the judgment value is set to "0" or "1," the judgment value is not used, and therefore judgment values ​​need only be set for necessary patterns. As will be described below, when executing step S11, by creating a rebalancing necessity table shown in Table 3 at the same time, it is possible to set only necessary patterns in the rebalancing necessity table.

[0103] Specifically, in the second aspect, the processes shown in the sub-steps described below are performed after step S11. Note that in the rebalancing necessity table shown in Table 3, the judgment value is initialized to a value of "9" (the initial value of the judgment value is "9").

[0104] In sub-step SS1, performance data 26 for one client 9 is read. The performance data 26 includes the most recent date on which the allocation ratio of the separate account was changed. In sub-step SS2, the rebalancing necessity table (Table 3) is referenced, and the following processing is performed according to the judgment value set in the table. If the judgment value is "9", execute substep SS3. If the judgment value is "1", execute sub-step SS4. If the judgment value is "0", execute sub-step SS5.

[0105] In sub-step SS3, the investment performance data 26 is updated, and it is determined whether the client's asset allocation ratio is within the range of the allowable values ​​shown in the first mode. If it is outside the range of the allowable value, the value "1" is set in the item in the rebalancing necessity table corresponding to the pattern of the customer, and sub-step SS4 is executed. If it is within the tolerance range, the value "0" is set in the item in the rebalancing necessity table corresponding to the customer's pattern, and substep SS5 is executed.

[0106] In sub-step SS4, steps S12 to S15 are executed. In sub-step SS5, the process returns to sub-step SS1 to read the performance data 26 for the next customer 9. If there is no next customer 9, the process ends.

[0107] In this way, in another embodiment, the asset allocation change unit 153A of the variable insurance management device 110 can change the allocation ratio of the separate account only for specific clients for whom it is determined that a change in the allocation ratio of the separate account is necessary. This makes it possible to reduce the number of clients 9 that are the targets of data processing on a business day, and to reduce the time required for data transmission and reception and data processing between the variable insurance management device 110 and the management instruction device 120 on a business day. This makes it possible for the variable insurance management system 100 to provide the fund wrap service to more clients 9.

[0108] In the above embodiment, a discretionary investment contract is concluded between the client and the investment management business operator, but the contract concluded between the client and the person (subject) who gives investment instructions to the variable insurance managed by the insurance company is not limited to a discretionary investment contract. For example, in the above embodiment, the person (subject) who manages the insurance premiums deposited by the client as variable insurance is the insurance company, not the investment management business operator, and the investment management business operator only gives investment instructions to the insurance company for the variable insurance. In other words, the role performed by the investment management business operator in the above embodiment may be performed by an investment advisory / agency business operator, and in this case, an investment advisory contract may be concluded between the client and the investment advisory / agency business operator. In the above embodiment, the subject who operates the investment instruction device 120 is the investment management business operator, but the investment advisory / agency business operator may operate the investment instruction device 120 instead of the investment management business operator. In this case, the "discretionary investment fee" in the above embodiment shall be read as "investment advisory fee." The investment advisory fee is the fee paid to the investment advisory / agency that instructs the management of the client's assets.

[0109] Furthermore, in order to obtain the same effect as in the above embodiment, the customer does not need to enter into a discretionary investment contract or investment advisory contract with the person (entity) that gives investment instructions for the variable insurance managed by the insurance company, but the insurance company, which is the person (entity) that manages the insurance premiums deposited by the customer as variable insurance, may enter into an investment advisory contract with an investment management company or investment advisory / agency, which is the person (entity) that provides advice regarding the management of the variable insurance managed by the insurance company. In this case, the "discretionary investment fee" in the above embodiment shall be read as "investment advisory fee." The investment advisory fee is a fee paid to an investment management company or an investment advisory / agency company that provides management advice on client assets.

[0110] In the above embodiment, the investment target assets are investment trusts, but the investment target assets are not limited to investment trusts and may be assets other than investment trusts, such as foreign stocks and bonds. In the above embodiment, the asset allocation data 22 is configured using four separate accounts A to D (Japanese stocks, foreign stocks, Japanese bonds, and foreign bonds) according to the types of investment target assets, but the number of separate accounts used to configure the asset allocation of the client 9 is not limited to these four, and the types of separate accounts are not limited to these. The number of separate accounts used to configure the asset allocation of the client 9 may be at least two (i.e., multiple), and the asset allocation of the client 9 may be configured using special accounts with domestic real estate and foreign real estate as investment target assets, for example.

[0111] In the above embodiment, the variable insurance management system 100 includes the counter financial institution device 130, but the counter financial institution device 130 is not a required component and is an optional component. The system 100 may not include the counter financial institution device 130, and may directly obtain the investment intention and the investment insurance premium from the customer 9, for example, via the customer terminal device 140 used by the customer 9, instead of the counter financial institution device 130, or may directly remit the insurance money or the surrender value to the customer 9 via the customer terminal device 140. In this case, the functions of each of the functional blocks 11C, 13C, 18C, 19C, and 99C included in the counter financial institution device 130 may be implemented in, for example, the variable insurance management device 110, the investment instruction device 120, or the customer terminal device 140. Information transmission from the variable insurance management device 110 or the management instruction device 120 to the customer 9 may be performed via the counter financial institution device 130, or may be performed directly from the variable insurance management device 110 or the management instruction device 120 to the customer 9 without going through the counter financial institution device 130.

[0112] In the above embodiment, the variable insurance investment device 110 equipped with the investment report creation unit 18A creates the investment report data 29, but the entity that creates the investment report data 29 is not limited to the variable insurance investment device 110. The investment instruction device 120 may be equipped with the investment report creation unit 18A, and the investment instruction device 120 may create the investment report data 29.

[0113] In the above embodiment, as data processing after the contract, in step S11 (operation performance update transmission step), the fee is collected from the customer 9 on the last business day of the month, but the timing of the fee collection is not limited to the end of each month. The timing of the fee collection from the customer 9 is not limited to the last day of a predetermined period such as the end of every week, the end of each month, the end of each quarter, or the end of each year, but may be any day within such a predetermined period. The number of days for which the fee is collected is also not limited to one day, and for example, the fee collection may be divided into several days. The timing of the fee collection from the customer 9 is not limited to the aspect of collecting the fee together with step S11 exemplified in the above embodiment, and may be, for example, before or after step S11, or may be between steps S11 to S14, or may be any timing during operation after the contract.

[0114] In the above embodiment, the variable insurance investment device 110 is realized as an integrated device, but the variable insurance investment device 110 does not need to be an integrated device, and the CPU, memory, auxiliary storage device 20A, etc. may be located in different locations and connected to each other via a network. The input unit 32A and the display unit 33A do not necessarily need to be located in the same place, and may be located in different locations and connected to each other so that they can communicate with each other via a network. The investment instruction device 120 and the counter financial institution device 130 are similar to the variable insurance investment device 110.

[0115] In the above embodiment, each of the functional blocks 12A-19A constituting the data processing unit 10A is realized by software, but each of these functional blocks 12A-19A may be realized as hardware in part or in whole. The processing of each of the functional blocks 12A-19A constituting the data processing unit 10A does not need to be processed by a single processor, and may be distributed and processed by multiple processors. The functions of the data processing unit 10A and the data items in the auxiliary storage device 20A may be cloud-based in part or in whole in another server device (not shown) connected via the communication I / F unit 31A. The data processing unit 10B and the auxiliary storage device 20B of the investment instruction device 120 and the data processing unit 10C and the auxiliary storage device 20C of the counter financial institution device 130 are similar to the data processing unit 10A and the auxiliary storage device 20A of the variable insurance investment device 110.

[0116] The order of data processing performed between the devices 110, 120, and 130 constituting the variable insurance management system 100 and the type of data used in the data processing are not limited to those exemplified in the above embodiment. Other aspects of the order of data processing performed between the devices 110, 120, and 130 and the type of data used in the data processing are shown in Figs. 12 to 15. Figs. 12 and 13 show an example in which investment intention data is linked from the window financial institution device 130 to the investment instruction device 120. Figs. 14 and 15 show an example in which the variable insurance management device 110 once imports investment intention data, and then the investment intention data is linked from the variable insurance management device 110 to the investment instruction device 120. [Explanation of symbols]

[0117] 9 customers 10A~10C Data processing section 11B Operation intention acquisition department 11C Operation intention creation department 12A Asset Allocation and Acquisition Department 12B Asset Allocation Department 13A Investment Insurance Premium Acquisition Department 13C Insurance premium transmission department 14A Special Account Transfer Department 15A Variable Insurance Management Department 16A Fee Collection Department 16B Cost Acquisition Department 17A Investment Asset Management Department 18A Operational Report Preparation Department 18C Operation report acquisition department 19A Insurance Claims Transmission Department 19C Insurance Claims Department 99C Customer Terminal Linkage Department 20A~20C Auxiliary storage device 21 Investment Intention Data 22 Asset Allocation Data 23 Customer Account Data 24 Investment premium data 25 Variable Insurance Data 26 Operational Performance Data 27 Cost Data 28 Investment Instruction Data 29 Operational Report Data P A Variable Insurance Management Program P B Investment Management Program P C Financial Institution Program 31A~31C Communication interface section (communication I / F section) 32A~32C Input section 33A~33C Display section 90 Network 100 Variable Insurance Management System 110 Variable insurance management device 120 Operational Instruction Device 130 Financial institution counter device 140 Customer terminal equipment 151A Operational Performance Update Division 151B Operational Performance Acquisition Department 152A Operational Instructions Acquisition Department 152B Investment Instruction Department 153A Asset Allocation Change Division 161A Reward Transmission Unit 161B Compensation Acquisition Department

Claims

1. an asset allocation acquisition means for acquiring data on the asset allocation of a client, the data being created based on data on the client's asset management intention; an investment insurance premium acquisition means for acquiring investment insurance premiums from a customer account of a financial institution; a separate account transfer means for transferring the insurance premiums of the client to each of a plurality of separate accounts corresponding to the types of investment target assets included in the variable insurance based on the data on the asset allocation; A variable insurance investment means for investing the variable insurance; A variable insurance management device comprising:

2. The variable insurance investment vehicle is: an investment performance update means for updating data on the investment performance of the variable insurance of the customer; an investment instruction acquisition means for acquiring data on investment instructions for the client, the data being created based on the data on the investment performance; an asset allocation change means for changing data regarding the asset allocation of the client based on data regarding the investment instructions; The variable insurance management device according to claim 1 .

3. 3. The variable insurance management device according to claim 2, wherein said asset allocation changing means changes an allocation ratio of said plurality of separate accounts included in said variable insurance based on data relating to said changed asset allocation of said client.

4. The asset allocation change means determines whether or not it is necessary to change the allocation ratio of the separate account of the client based on an allowable value of a composition ratio set for each of the separate accounts for each investment type; 3. The variable insurance management device according to claim 2, further comprising: a step of changing an allocation ratio of said separate account of said client for which a change is determined to be necessary.

5. The asset allocation change means includes: extracting, from among the multiple customers, those customers for whom a change in the allocation ratio of the separate account is required, based on a determination value of a rebalancing necessity table having a number of patterns corresponding to the number of types of investment plans and the number of days during which a change in the allocation ratio of the separate account is to be made simultaneously for the multiple customers; 5. The variable insurance management device according to claim 4, further comprising: changing an allocation ratio of said separate account of said extracted customer.

6. 3. The variable insurance management device as described in claim 2, further comprising an investment asset adjustment means for calculating the difference between the amount of assets of the client before the allocation ratio of the separate account is changed and the amount of assets of the client after the allocation ratio of the separate account is changed, and performing a process of depositing or withdrawing the difference into or from the separate account for each of the plurality of separate accounts.

7. A variable insurance investment system including a variable insurance investment device and an investment instruction device, A variable insurance management device according to any one of claims 1 to 6, An investment instruction device communicably connected to the variable insurance investment device, An investment intention acquisition means for acquiring data regarding a customer's asset investment intention; an asset allocation creation means for creating data regarding the asset allocation of the client based on the data regarding the asset management intention; an investment performance acquisition means for acquiring data on the investment performance of said client of variable insurance including a plurality of separate accounts according to the types of investment target assets; an investment instruction creating means for creating data on investment instructions for the client based on the data on the investment performance; The operation instruction device comprising: A variable insurance management system that includes the above.

8. an asset allocation acquisition step of acquiring data on the asset allocation of the client, the data being created based on data on the client's asset management intention; an investment insurance premium acquisition step of acquiring the investment insurance premium from a customer account of the financial institution; a separate account transfer step of transferring the insurance premium of the client to each of a plurality of separate accounts corresponding to the types of investment target assets included in the variable insurance based on the data regarding the asset allocation; A variable insurance management step of managing the variable insurance; Variable insurance investment methods, including:

9. A method performed by a variable insurance management system having a variable insurance management device and an investment instruction device, comprising: An investment intention acquisition step of acquiring data regarding a customer's asset management intention; an asset allocation creation step of creating data regarding the asset allocation of the client based on the data regarding the asset management intention; an investment insurance premium acquisition step of acquiring the investment insurance premium from a customer account of the financial institution; a separate account transfer step of transferring the insurance premium of the client to each of a plurality of separate accounts corresponding to the types of investment target assets included in the variable insurance based on the data regarding the asset allocation; A variable insurance management step of managing the variable insurance; Variable insurance investment methods, including:

10. The variable insurance management step includes: an investment performance update step of updating data on the investment performance of the variable insurance of the customer; an investment instruction creating step of creating data regarding investment instructions for the client based on the data regarding the investment performance; an asset allocation change step of changing data regarding the asset allocation of the client based on data regarding the investment instruction; The variable insurance management method according to claim 9, comprising:

11. 11. The variable insurance investment method according to claim 10, wherein the asset allocation changing step changes an allocation ratio of the plurality of separate accounts included in the variable insurance based on data regarding the changed asset allocation of the client.

12. 12. The variable insurance management method according to claim 10 or 11, wherein the variable insurance management step further includes an investment asset adjustment step of calculating the difference between the amount of assets of the client before the asset allocation is changed and the amount of assets of the client after the asset allocation is changed, and transferring the difference to or from the separate account, for each of the plurality of separate accounts.

13. A program for causing a computer to function as each of the means of the variable insurance management device according to any one of claims 1 to 6.

14. A program for causing a computer to function as each of the means of the variable insurance management system according to claim 7.

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