Reserve fund management apparatus

Abstract

To promote safe driving by holder of driver licenses before returning their licenses.SOLUTION: A reserve fund management apparatus 3 for managing a reserve fund by a driving license holder 1 includes: a receiving unit 31 for receiving information on the reserve fund paid by the driving license holder; and a management unit 32 for managing information on the reserve fund received by the receiving unit. The management unit 32 calculates an amount of refund to be returned to a person who has returned the driving license, based on the information on the reserve fund managed by the management unit and information on the driving license holder.SELECTED DRAWING: Figure 1

Description

[Technical Field]

[0001] The present invention relates to a savings fund management device for managing savings funds of driver's license holders. [Background technology]

[0002] Patent Document 1 describes a driver's license surrender insurance device for driver's license surrender insurance in which insurance money is paid after a user surrenders their driver's license. This driver's license surrender insurance device has an acquisition means for acquiring information including at least the user's place of residence and destination of travel, a personal car expense calculation means for calculating the user's personal car expenses for using their personal car based on the information, a transportation expense calculation means for calculating the user's transportation expenses for using public transportation based on the information, an input means for inputting the difference between the transportation expense and the personal car expense as the amount of the insurance money to be paid to the user in the future if the transportation expense is greater than the personal car expense, and an insurance premium estimation means for estimating the insurance premium to be paid by the user based on the inputted benefit amount. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent Publication No. 2021-43563 Summary of the Invention [Problem to be solved by the invention]

[0004] The technology described in Patent Document 1 aims to encourage elderly drivers to surrender their driver's licenses. However, it is desirable to encourage not only the surrender of driver's licenses but also safe driving before surrendering the license.

[0005] The present invention aims to encourage safe driving by license holders before surrendering their driver's licenses. [Means for solving the problem]

[0006] The savings management device of the present invention, which manages savings contributed by driver's license holders, comprises a reception unit which receives information on savings contributed by the driver's license holders, and a management unit which manages the information on the savings received by the reception unit, and the management unit calculates the amount of refund to be returned to the driver's license surrenderer after the driver's license holder surrenders his or her driver's license based on the information on the savings managed by the management unit and information on the driver's license holder. [Effects of the Invention]

[0007] According to the present invention, it is possible to encourage safe driving by license holders before surrendering their license. [Brief explanation of the drawings]

[0008] [Figure 1] FIG. 1 is a block diagram showing a savings fund management system. [Figure 2] 10 is a flowchart showing the flow of paying reserve funds in the reserve fund management system. [Figure 3] 10 is a flowchart showing the flow of refunds in the reserve fund management system. [Figure 4] FIG. 2 is a block diagram illustrating an example of the hardware configuration of a computer. DETAILED DESCRIPTION OF THE INVENTION

[0009] The present invention will be described below based on the illustrated embodiments, but the present invention is not limited to the embodiments described below.

[0010] Due to the declining birthrate, aging population, and declining population, local public transportation services (or mobility services) are increasingly being forced to operate at a loss due to a decline in users. In addition, in order to ensure transportation for those with limited mobility in rural areas (such as the elderly and students), local governments are sometimes forced to invest tax money in these loss-making services.

[0011] On the other hand, from the perspective of reducing the financial burden after surrendering a driver's license, driver's license surrender insurance that supports travel expenses after surrendering a driver's license has been proposed in Patent Document 1, with the aim of encouraging elderly drivers to surrender their driver's licenses. Insureds who surrender their driver's license are said to be able to receive a monthly benefit (insurance payment) to subsidize the costs of traveling by public transportation such as buses, taxis, and trains.

[0012] The aforementioned conventional technology is expected to encourage drivers to surrender their driver's licenses, increase the number of users of local public transportation services, and reduce deficits. However, only a portion of the cost of public transportation services after surrendering a driver's license is subsidized, not the full amount. As a result, drivers who surrender their driver's licenses must pay part of the cost themselves, and the public transportation service may not be able to eliminate its deficit operations, making it unsustainable. Furthermore, public transportation services often have relatively low fares, and it is thought that local public transportation services often do not turn a profit.

[0013] Furthermore, the aforementioned driver's license surrender insurance is optional, and whether or not to purchase it is left to the discretion of each user, so it may not necessarily achieve the expected results. In particular, it is thought that driver's license surrender insurance is unlikely to be used by people who live in cities, have access to sufficient public transportation services at low self-payment costs, have no trouble finding transportation, and are fine with not owning a car. As a result, the burden will increase only for car owners in rural areas, where the cost of transportation necessary for daily life is high, and there is a possibility that the gap between urban and rural areas will widen.

[0014] This paper proposes a system for asset management of the accumulated savings, rather than providing subsidies to license surrenderers. The investment profits are used to maintain local public transportation services, allowing license surrenderers to use public transportation services without anxiety. Furthermore, by making savings mandatory for all license holders, rather than making them optional, the savings can be collected fairly and widely. For example, in urban areas, sufficient public transportation services can be enjoyed with a low self-payment. Savings can be collected from license holders who do not actually drive a vehicle (so-called "paper drivers"), and the investment profits can be redistributed to local governments and organizations in need of funds to maintain public transportation services.

[0015] The embodiments described below relate, in one aspect, to a system for efficiently managing driver's license holders' savings, and, in another aspect, to a system for managing savings to maintain local public transportation services.

[0016] The system collects reserve funds from driver's license holders, which form the basis for the operating costs of local public transportation services, and manages the reserve funds for each driver's license holder by linking them to the IC chip in their driver's license. The collected reserve funds are then used as capital to secure sustainable operating costs for local public transportation. Additionally, the system encourages license surrender by correctly calculating the total reserve funds for each driver's license holder until the license is surrendered and refunding them after the license is surrendered. Furthermore, even if a large number of local governments participate in a public transportation service operated in accordance with the national self-help and mutual aid philosophy, a system is provided to automatically allocate appropriate operating costs to those local governments each year.

[0017] The following describes an embodiment in which savings are paid when a driver's license is renewed. As shown in Figure 1, the savings management system SS includes a driver's license 11 held by a driver's license holder 1 and equipped with an IC chip 12, a driver's license management device 2, a savings management device 3, and a subsidy review device 4.

[0018] For example, the IC chip 12 stores the name, photograph, address, permanent domicile, date of birth, license issuance date, expiration date, license type, and license number of the driver's license holder 1.

[0019] The driver's license management device 2 comprises an IC chip information read / write unit 21 and a driver's license information management unit 22. The driver's license information management unit 22 manages, for example, information that identifies an individual, license information, and other information, which are referenced by the savings fund management device 3 as needed. The information that identifies an individual includes the driver's license holder's name, facial photograph, permanent domicile, date of birth, address, gender, and whether or not the license holder wears glasses. The license information includes the license issuance date, expiration date, license type, license number, and past history (traffic accident and traffic violation history). The other information includes a PIN.

[0020] The reserve fund management device 3 comprises a reception unit 31, a management unit 32, an operation unit 33, and a grant unit 34. The grant examination device 4 comprises a grant list creation unit 41 and a grant list 42.

[0021] <Payment of reserve funds> The flow of paying the reserve fund will be explained with reference to FIG. In step S11, the driver's license holder 1 applies for renewal of the driver's license at a counter such as a driver's license center, and in the following step S12, returns the driver's license 11 before renewal. Next, in step S13, the driver's license holder 1 pays the savings by purchasing a certificate stamp 14 with cash 13 or by other means.

[0022] After step S13, steps S14a and S14b are performed. In step S14a, the IC chip information reading / writing unit 21 of the driver's license management device 2 reads the information from the IC chip 12 provided in the driver's license 11 before renewal in response to an operation by the counter clerk. In step S14b, the reception unit 31 of the savings fund management device 3 receives information about the savings fund, such as the amount of the savings fund, in response to an operation by the counter clerk. In the same step, the reception unit 31 further records in the management unit 32 the information about the driver's license holder and the savings fund information read from the IC chip 12 in step S14a.

[0023] In the next step S15, the driver's license information management unit 22 updates or adds information in the driver's license information management unit 22, including the expiration date of the driver's license, history information, and the amount of the savings. In step S16, the IC chip information read / write unit 21 writes information including the expiration date of the driver's license after renewal to the IC chip 12 provided in the new, renewed driver's license 11. If necessary, information such as the amount of the savings may also be written to the IC chip 12. In step S17, the driver's license holder 1 receives the new updated driver's license 11 from the person at the counter.

[0024] The savings management device 3 refers to the driver's license renewal history managed by the driver's license information management unit 22 of the driver's license management device 2, and calculates and records the amount saved at each renewal, thereby making it possible to manage the savings saved by each individual until they surrender their driver's license. Because the savings are managed for each driver's license holder, the savings can be managed together with the driver's license renewal history even if the driver's license is lost and reissued, or if the driver's license expires and is re-obtained.

[0025] Even if you have an accident and the validity period of your driver's license is shortened, or the amount you have to pay changes due to a change in the category of your driver's license, your history can be managed using the IC chip built into your driver's license.

[0026] <Operation> Next, we will discuss the management of the reserve fund. Similar to existing foundations and financial services, the reserve fund will be managed in the market using standard financial products, generating investment returns. However, since the entire reserve fund will eventually have to be returned in exchange for the surrender of the driver's license, it must be managed carefully in stable financial products such as government bonds to prevent the principal from being lost. Furthermore, since investment returns are used to fund the operation of the local transportation service, it is necessary to ensure that the operation of the local transportation service is not hindered even if investment returns fall below expectations in some years. Therefore, it is necessary to set the amount of the reserve fund payment with a margin of error, or to adjust the amount of the reserve fund payment in line with the investment performance.

[0027] The operation flow is explained below. The management unit 32 of the reserve fund management device 3 refers to the driver's license management unit 22 of the driver's license management device 2, calculates the amount of savings of the driver's license renewal holder, and updates the amount of the reserve fund. The investment unit 33 manages the entire reserve fund in the market. The investment unit 33 updates the total amount of funds according to the investment profits and performs an output process of the investment performance. This operational performance is referenced by the grant examination device 4, which will be described later.

[0028] <Grant> This section explains subsidies. Operating profits are provided to operators of local mobility services. First, the criteria for subsidies for local mobility services must be determined in advance. Areas where sufficient public transportation services are available and mobility is not a problem, or where private services are operating profitably, do not require subsidies and should be excluded from the subsidy program. Furthermore, based on the principles of self-help and mutual aid and beneficiary payment, recipients may be required to have sufficient resident participation and volunteer plans and achievements. Therefore, the subsidy eligibility is reviewed annually by the subsidy review device 4, and operating profits are allocated only to transportation services or local governments that pass the review. This allows for efficient allocation of operating profits as subsidies, facilitates continuous annual subsidies, and ensures smooth maintenance of local mobility services. Any surplus subsidies may be carried over to a reserve fund.

[0029] To prevent the principal from being lost, it is necessary to set the subsidy amount so that the total amount of subsidies is less than the investment profit. Therefore, the subsidy review device 4 may review the subsidy criteria in response to operations by members of a subsidy review committee made up of knowledgeable people. It is desirable to set the reserve amount as a fund of a sufficient size that takes into account fluctuations in investment profit so that local mobility services are not suddenly discontinued.

[0030] The grant process is explained below. The subsidy list creation unit 41 of the subsidy examination device 4 examines the operator of each transportation service. Subsidies will not be provided to transportation service operators that do not pass the screening. Subsidies can be provided efficiently by eliminating wasteful subsidies to areas that have public transportation or are in the black, and by eliminating wasteful subsidies to local residents who do not follow the principles of self-help and mutual aid.

[0031] The subsidy list creation unit 41 stores the mobility service operators that have passed the screening in the subsidy list 42. At this time, the subsidy list creation unit 41 creates the subsidy list 42 so that the total subsidy amount is less than or equal to the total investment profit. As an example, the subsidy list 42 includes the name of the operator, the person in charge of operation, the bank transfer destination, and the subsidy amount. Then, the subsidy unit 34 of the reserve fund management device 3 refers to the subsidy list 42. The granting unit 34 pays out grants to grant recipients from investment profits in accordance with the grant list 42. The grant section 34 writes the grant results into a grant list 42 .

[0032] <Refund> The flow of refunds when surrendering a driver's license will be described with reference to FIG. In step S21, the driver's license holder 1 applies to surrender his / her driver's license at a counter such as a driver's license center. In step S22, the person at the counter verifies the identity of the applicant, and the applicant returns the driver's license. By verifying the identity of the applicant using an identification card other than a driver's license (such as a My Number card), it is possible to prevent identity theft.

[0033] In step S23, the IC chip information reading / writing unit 21 of the driver's license management device 2 receives an operation from the counter clerk and reads the information from the IC chip 12 of the driver's license 11 to be returned. In step S24, the driver's license information management unit 22 of the driver's license management device 2 requests the reserve points management device 3 to process the return of the reserve points based on the reserve points information of the driver's license information management unit 22. In step S25, the request is received by the reception unit 31 of the savings management device 3. In the same step, the management unit 32 further checks the savings of the driver's license holder related to the request and compares the request with the savings amount information in the management unit 32.

[0034] In step S26, the management unit 32 determines, through the above-mentioned comparison, whether the request matches the information on the reserve amount stored in the management unit 32. If it is determined in step S26 that the information matches, step S27 is carried out next, and if not, step S29 is carried out. In step S27, the person at the counter returns the savings to the person who surrendered his / her driver's license. Next, in step S28, the management unit 32 updates the savings amount of the driver who has surrendered his / her driver's license to 0 yen. This allows the driver to save again if he / she temporarily surrenders his / her driver's license due to emigration overseas, etc., and then obtains a new driver's license. In step S29, the management unit 32 notifies the system administrator that a crime may have occurred.

[0035] 4 shows an example of the computer hardware configuration of the reserve fund management device 3. This device is equipped with a CPU 191, a communication device 192, a display device 193, an input device 194, a drive device 195, an auxiliary storage device 196, and a memory device 197, which are interconnected by a bus 199.

[0036] The program that realizes the functions of the reserve fund management device 3 is provided by a recording medium 198 such as a CD-ROM. When the recording medium 198 on which the program is recorded is set in the drive device 195, the program is installed from the recording medium 199 to the auxiliary storage device 196 via the drive device 195. Alternatively, the program does not necessarily have to be installed by the recording medium 199, but can also be installed via a network. The auxiliary storage device 196 stores the installed program as well as necessary files, data, etc.

[0037] The memory device 197 reads and stores the program from the auxiliary storage device 196 when an instruction to start the program is received. The CPU 191 realizes the functions of the reserve fund management device 3 in accordance with the program stored in the memory device 197. The communication device 192 is used as a communication interface for connecting to other computers via a network. The display device 193 displays a GUI (Graphical User Interface) or the like according to the program. The input device 194 is a keyboard, mouse, touch panel, or the like.

[0038] The driver's license management device 2 and the grant examination device 4 also have the same computer hardware configuration as the reserve fund management device 3.

[0039] <Effects> According to the above embodiment, the following effects can be obtained. (1) The operating costs of local public transportation can be widely contributed by citizens (or beneficiaries and future beneficiaries), and contributions can be automatically managed for each driver's license holder. The huge amount of money collected can be managed as a fund, providing stable support for the operation of local public transportation. The stable operation of local transportation services not only ensures transportation for those with limited mobility (elderly people and students), but also encourages elderly people to surrender their driver's licenses by ensuring a means of transportation. In addition, the refunded money can be used to cover the cost of leasing senior cars, etc., ensuring a means of transportation for the elderly. (2) By linking the system to the IC chip in the driver's license, the funds saved at the time of license renewal can be accurately and easily refunded when the license is surrendered, based on each individual's license renewal history. In addition, by refunding the money when the license is surrendered, it can encourage elderly people to surrender their driver's licenses. (3) In urban areas, for example, where there are no mobility issues with public transportation, where existing public transportation is operating at a profit, or where resident cooperation in line with the principles of self-help and mutual aid is not available, the fund will not pass the national government's subsidy screening. By referencing a list of operating organizations that meet the subsidy criteria,42 it is possible to automatically allocate subsidies each year only to appropriate operating organizations. In addition, by not providing subsidies to organizations that do not require them, the fund can be managed and subsidies allocated efficiently. (4) Because the amount of refund is calculated based on the driver's license holder's information, it is possible to encourage safe driving among driver's license holders. In particular, if accidents or violations lead to a reduction in the amount of refund, drivers will be aware of this and drive more safely, which will promote safe driving. (5) When a driver's license is surrendered, the savings accumulated up to the time of surrendering the driver's license (amounts vary for each individual) can be accurately refunded. Furthermore, by performing the processes of steps S23 to S26 when the driver's license is surrendered, fraudulent refund processing can be prevented. Furthermore, in step S22, identity verification is performed using other identification documents such as a My Number card or passport in addition to the driver's license to prevent impersonation, which increases the accuracy of the refund processing. In other words, if multiple identification documents cannot be presented at the same time, it becomes difficult to receive a refund by impersonating someone.

[0040] Furthermore, since the information handled in the above embodiment and related information are already publicly managed, there is no need to build a new system to manage a huge amount of data, which reduces memory usage and communication load. As mentioned above, driver's license holders 1 pay renewal fees, legal training fees, etc. by purchasing a stamp. However, these fees change frequently and vary depending on the license category and the severity of the violation. Therefore, if the paid amount were to be saved and invested and then refunded at the counter when the license was surrendered, it would take a huge amount of time to calculate and confirm the refund amount, there would be the possibility of errors, and the counter processing would be very time-consuming. The reserve fund management device 3 in the above embodiment is useful for solving these problems (reducing the number of management steps, reducing the possibility of mistakes, and shortening waiting times at the counter).

[0041] In the above embodiment, the refund amount can be read from the IC chip on the driver's license when the driver surrenders the license, eliminating the need to calculate the refund amount for each individual when processing the refund at a driver's license center, etc. Specifically, the calculation of the refund amount is automated on the server side, eliminating the need to calculate it at the counter. This reduces the time that drivers who surrender their driver's license have to wait in line. Furthermore, to prevent the incorrect amount being refunded when a driver's license is surrendered, it is necessary to double-check whether the calculated refund amount is correct. In the above embodiment, the information on the IC chip of the driver's license is compared with the information on the server side, and the calculated refund amount can be automatically verified to be correct, eliminating the need for a second person to double-check. All that is required is for one person to approve that the amount to be refunded will be the amount recorded on the server or the IC chip. This reduces the time that a driver who has to surrender his or her driver's license has to wait in line.

[0042] According to the above embodiment, since the fees are based on fees determined nationwide (if the fees change, they will be changed nationwide simultaneously through each prefectural police department), there is less information to manage, management on the server is easy, memory and power consumption are reduced, and it is possible to calculate and manage savings that are suitable for public use and not depend on personal circumstances (place of residence, destination of travel, etc.). There is no need to collect, input, manage, and update the information that must be managed for each individual from each local government and facility across the country. Instead, the calculation and management of the reserve fund can be done from the license classification recorded on the IC chip of the driver's license and the driver's license management device 2, as well as the presence and duration of accidents and violations. This has the advantages of reducing the amount of information to be managed, simplifying the GUI for inputting and outputting information, and reducing the time required for inputting and outputting information. Another advantage is that the frequency of updating the managed information is reduced, making server operation and management easier.

[0043] <Other> The one-time contribution amount for the savings fund does not necessarily have to be uniform. If the contribution amount varies from person to person, this can be accommodated by recording the contribution amount as well. Furthermore, with this system, even people who already have a driver's license when the savings fund system starts can participate in the savings fund from the time of their most recent driver's license renewal. The amount of the refund may differ depending on the license holder's license category (the color of the license band: green, blue, gold) as described below. License categories can be determined by the number of years the license has been held and the number of traffic violations.

[0044] This section explains the case where a portion of investment gains is added to the return of the savings depending on the driver's license category. The added yield distribution rate can be 0% if the license category is green or blue, 10% if the license category is gold, 20% if the license category is the second gold, and 30% if the license category is the third or higher gold. The added rate may be changed depending on the investment yield of the fund at any given time. By doing this, the longer you drive safely, the more your savings will increase and be returned to you, which will encourage safe driving, motivate you to continue to avoid accidents and violations, and lead to a reduction in traffic accidents. Furthermore, as people get older, their driving skills decline and they cause accidents or violations, which reduces the distribution rate, reducing the benefits of renewing their driver's license. As a result, people with poor driving skills are encouraged to surrender their driver's license.

[0045] Although we have explained the cases where a portion of the investment profits is added to the return of the savings for each license category, it is also possible to add a portion of the investment profits to the return of the savings depending on the period of time without accidents or violations. For example, the added yield distribution rate could be 0% if the period of time without accidents or violations is less than 3 years, 3% if the period is 3 to 5 years, 5% if the period is 5 to 10 years, 10% if the period is 10 to 20 years, and 15% if the period is 20 years or more.

[0046] In the above case, people who rarely drive in urban areas and have a gold license (a "paper driver" with little driving experience who is prone to accidents) will gain financial benefits, which will put a strain on the return on maintenance costs of local public transportation. Therefore, the following reduction rate can be set. In this case, people who cause accidents will have their savings refunded when they surrender their driver's license reduced. For example, the additional yield distribution rate can be set to 0% if there are no accidents or violations until the driver's license renewal date, -3% if there is one, -5% if there are two, and -10% if there are three or more.

[0047] By setting such a negative distribution rate (reduction rate), the risk of having a reduction in the reserve fund increases if an accident occurs, which encourages so-called paper drivers (who have little driving experience and are prone to accidents) to surrender their driver's licenses.

[0048] The personal card linked to the savings fund management device 3 is not limited to a driver's license with an IC chip, but may also be a My Number card, a passport, a smartphone with an ID transmission function, an electronic vehicle inspection certificate, or the like. The collection of the reserve fund may be carried out together with automobile liability insurance, weight tax, automobile tax, neighborhood association fees, and membership fees instead of using the certificate stamp 14. The transportation services eligible for the subsidy are expected to include, but are not limited to, transportation services using autonomous driving systems, transportation services using MaaS, shared ride services, air transportation services using manned drones, existing route bus services, taxi services, etc. Furthermore, the recipients of the subsidy can be of any type, including local governments, NPOs, private companies, various organizations, and individuals, as long as they meet the subsidy criteria of the subsidy screening system. Although the example of Japan has been shown so far, the above embodiment can be applied to any country or region that has introduced a national management system and needs to operate local transportation sustainably. It can also be implemented on a global scale, such as by the United Nations.

[0049] The payment of the reserve fund is not limited to when the driver's license is renewed, but may be made when the electronic vehicle inspection certificate is renewed. A modified example using an electronic vehicle inspection certificate with an IC tag will be described below.

[0050] When it's time to renew their electronic vehicle inspection certificate, vehicle owners apply for renewal at the Transport Bureau or a Transport Bureau-designated facility such as an automobile repair shop or dealership. The applicant then pays a reserve fund to the Transport Bureau. Transport Bureau personnel read the information on the IC tag using the electronic vehicle inspection certificate management system, prepare a new electronic vehicle inspection certificate, and write the information onto the new electronic vehicle inspection certificate's IC tag. The reserve fund management system references the electronic vehicle inspection certificate's renewal history and calculates and records the amount of reserve funds each time the vehicle is renewed, allowing each individual's reserve fund to be managed until the vehicle is scrapped. Because the reserve fund is managed for each vehicle owner in this way, even if a person loses their vehicle inspection certificate and has it reissued, or if their vehicle inspection expires and is renewed, the reserve fund (amounts vary for each individual) can be managed according to the electronic vehicle inspection certificate history. This means that even when an elderly person wants to surrender their driver's license and sell their car, the reserve fund (amounts vary for each individual) accumulated up until the time of surrendering the electronic vehicle inspection certificate can be accurately refunded. In addition, when the electronic vehicle inspection certificate is returned, the information on the IC tag is read, and the update history of the vehicle inspection certificate management system is checked, along with a comparison with the deposit records in the fund management system to see if they match, thereby preventing malicious and fraudulent refund processing.

[0051] Furthermore, the management of the reserve fund does not necessarily have to be managed by the national government; it can be managed by individual transport bureaus, auto repair shops, or car dealerships. However, proper management would require a third-party audit. Auto repair shops and car dealerships could also partner with bus operators to manage the reserve fund as a private service. Unlike conventional technology, which only allowed those who wanted to join, this system would collect reserve funds from all vehicle owners and manage them efficiently. Local governments tend to be car-oriented, with many car users and few using public transportation services. Introducing this modified system is expected to have the effect of redistributing and raising public transportation service maintenance costs from car users, who account for the majority of transportation.

[0052] Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various modifications and changes can be made based on the technical concept of the present invention. [Explanation of symbols]

[0053] SS Savings Management System 1. Driver's license holder 11. Driver's license 12 IC chip 2 Driver's license management device 21 IC chip information read / write unit 22 Driver's License Information Management Department 3. Reserve fund management device 31 Reception 32 Management Department 33 Operations Department 34 Grant Department 4. Grant Review Device 41 Grant List Creation Department 42 Grant List

Claims

1. A savings management device for managing savings by driver's license holders, a reception unit that receives information on the contributions paid by the driver's license holder; a management unit that manages the information on the reserve fund received by the reception unit; Equipped with The management unit calculates the amount of refund to be returned to the driver's license surrenderer after the driver's license holder surrenders his / her driver's license based on the information on the reserve fund managed by the management unit and the information on the driver's license holder. Reserve fund management device.

2. the driver's license holder information includes information regarding a class of driver's license held by the driver's license holder; the management unit calculates the amount of the refund so that the amount of the refund increases as the category of the driver's license held by the driver's license holder increases; The reserve fund management device according to claim 1.

3. the driver's license holder information includes information regarding the driver's license holder's accident-free and violation-free period; The management unit calculates the amount of the refund so that the amount of the refund increases as the driver's license holder has a longer period of no accidents or violations. The reserve fund management device according to claim 1 or 2.

4. the driver's license holder information includes information regarding the number of accidents and violations until the driver's license holder's driver's license renewal; the management unit calculates the amount of the refund so that the amount of the refund becomes lower as the number of accidents and violations of the driver's license holder until the renewal of the driver's license increases; The reserve fund management device according to claim 1 or 2.

5. The reserve fund management device according to claim 1 or 2; Grant review device and Equipped with The reserve fund management device an investment department that manages the assets of the reserve fund; a grant unit that distributes investment gains obtained by asset management carried out by the management unit as grants to grant recipients listed in the grant list created by the grant review device; Equipped with Reserve fund management system.

Images