Pension management system, program, and pension management method

Abstract

To provide pension management systems, programs, and methods that make it easier for subscribers to participate in the management of defined contribution pensions. [Solution] The system includes an extraction unit 102 that extracts the investment amount and the unrealized gain / loss amount from a captured image of the transaction report of the defined contribution pension of the target user to be processed; an evaluation value determination unit 103 that determines the evaluation value of the target user's transactions based on the unrealized gain / loss rates of each of the multiple registered users stored in the storage unit 120, and the investment amount and unrealized gain / loss amount of the target user extracted by the extraction unit 102; and an output processing unit 106 that outputs the evaluation value from the output unit.

Description

Technical Field

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[0001] The present invention relates to a pension management system, a program, and a pension management method.

Background Art

[0002] As a pension system, a defined contribution pension system is known. Patent Document 1 discloses a technique for notifying a participant when the operation result by the participant deviates from the initially set plan.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] Among the participants in the defined contribution pension system, there is a problem that many people do not grasp the operation status or feel that it is troublesome to take action regarding the operation.

[0005] The present invention has been made in consideration of such points, and an object thereof is to provide a technique for enabling a participant to more easily participate in the operation of a defined contribution pension.

Means for Solving the Problems

[0006] The pension management system of the present invention an extraction unit that extracts an operation amount and an evaluation profit and loss amount from a photographed image of a transaction report of a defined contribution pension of a target user to be processed; an evaluation value determination unit that determines an evaluation value of a transaction of the target user based on an evaluation profit and loss rate of each of a plurality of registered users stored in a storage unit, the operation amount of the target user extracted by the extraction unit, and the evaluation profit and loss amount; An output processing unit that outputs the aforementioned evaluation value from the output unit. It is characterized by being equipped with [the following features].

[0007] In the pension management system of the present invention, Defined contribution pensions are corporate defined contribution pensions, The valuation value determination unit may determine the valuation value based on the valuation profit / loss amount, the investment amount, and the company's assumed rate of return.

[0008] In the pension management system of the present invention, The extraction unit may store the target user's investment amount and unrealized gain / loss amount as registered user information, or the target user's unrealized gain / loss rate as registered user information, in the storage unit, associating them with the registered user's identification information.

[0009] In the pension management system of the present invention, The extraction unit further extracts the types of products being used and the proportion of products being used from the captured image. The storage unit further stores the types of the operating products of the registered user and the proportion of the operating products. The output processing unit may display on the display unit the target portfolio information, which shows the types and proportions of investment products extracted by the extraction unit, and the reference portfolio information, which is stored in the storage unit and shows the types and proportions of investment products for each of the multiple registered users.

[0010] In the pension management system of the present invention, The aforementioned target portfolio information and the aforementioned reference portfolio information may also be information that graphically shows the types of investment products and the proportions of those investment products.

[0011] In the pension management system of the present invention, The aforementioned reference portfolio information may also be information indicating the types of investment products and the proportion of investment products for registered users who meet predetermined conditions among a plurality of registered users stored in the storage unit.

[0012] In the pension management system of the present invention, Defined contribution pensions are corporate defined contribution pensions, The aforementioned condition may also be that the unrealized gain / loss ratio is equal to or greater than the assumed yield.

[0013] In the pension management system of the present invention, The output processing unit may display, together with the target portfolio information, first reference portfolio information indicating the types of investment products and the proportion of investment products for registered users who satisfy a first condition among a plurality of registered users stored in the storage unit, and second reference portfolio information indicating the types of investment products and the proportion of investment products for registered users who satisfy a second condition different from the first condition.

[0014] In the pension management system of the present invention, The storage unit further stores the risk tolerance of each of the registered users, The output processing unit may classify the registered users into multiple groups based on the profit / loss ratio and the risk tolerance, and display the reference portfolio information for each group together with the target portfolio information.

[0015] In the pension management system of the present invention, The extraction unit further extracts the operating amount from the captured image, The system further includes a retirement allowance prediction unit that predicts the target user's expected retirement allowance amount based on the target user's age, the amount of unrealized gains or losses, and the amount of investment. The output processing unit may output the estimated retirement allowance amount.

[0016] In the pension management system of the present invention, The storage unit stores the information of each of the multiple transaction reports issued to the same registered user as a history. The output processing unit may output the history.

[0017] In the pension management system of the present invention, the extraction unit further extracts an account number from the captured image, and may further include a procedure assistance unit that displays a procedure site and inputs the account number into an input field of the procedure site when receiving a portfolio change instruction according to a user operation.

[0018] In the pension management system of the present invention, the procedure assistance unit may display a portfolio change screen for receiving the portfolio change instruction, and may display, as the portfolio after the change, the portfolio of a registered user designated by the user on the portfolio change screen.

[0019] The program of the present invention is a program that causes a computer to function as an extraction unit, an evaluation value determination unit, and an output processing unit, wherein the extraction unit extracts an operation amount and an evaluation profit and loss amount from a captured image of a transaction report of a defined contribution pension of a target user to be processed, the evaluation value determination unit determines an evaluation value of the transaction of the target user based on the evaluation profit and loss rates of a plurality of registered users stored in a storage unit, the operation amount of the target user extracted by the extraction unit, and the evaluation profit and loss amount, and the output processing unit causes the evaluation value to be output from an output unit.

[0020] The pension management method of the present invention is a pension management method performed by a computer having a control unit, wherein the control unit extracts an operation amount and an evaluation profit and loss amount from a captured image of a transaction report of a defined contribution pension of a target user to be processed, the control unit determines an evaluation value of the transaction of the target user based on the evaluation profit and loss rates of a plurality of registered users stored in a storage unit, the operation amount of the target user, and the evaluation profit and loss amount, The control unit performs the step of outputting the evaluation value from the output unit, It is characterized by including. [Effects of the Invention]

[0021] The pension management system, program, and pension management method of the present invention provide technology that allows participants to more easily participate in the management of defined contribution pensions. [Brief explanation of the drawing]

[0022] [Figure 1] This is an overall diagram of the pension management system. [Figure 2] This figure shows an example of a trading report image. [Figure 3] This figure shows an example of the data structure in the registered user database. [Figure 4] This is a flowchart showing the pension management process. [Figure 5] This figure shows an example of how the evaluation screen is displayed. [Figure 6] This figure shows an example of how the comparison screen is displayed. [Modes for carrying out the invention]

[0023] The embodiments will be described below with reference to the drawings. Figures 1 to 6 show the pension management system, program, and pension management method according to this embodiment.

[0024] Figure 1 is an overall diagram of the pension management system 1 according to this embodiment. The pension management system 1 manages the corporate defined contribution pension plan of a user. Here, the target user is not limited to a participant in a corporate defined contribution pension plan of a specific company, but can be a participant in a corporate defined contribution pension plan of any company. In other words, the pension management system 1 manages corporate defined contribution pension plans without restricting the target company.

[0025] The pension management system 1 comprises a pension management server device 10 and a user device 20. The pension management server device 10 and the user device 20 are connected to each other via a communication network N such as the Internet.

[0026] The pension management server device 10 acquires images of transaction reports from the user device 20 used by the user, and manages the status of the user's corporate defined contribution pension plan by extracting various information from the acquired images. Here, the transaction report is a paper document showing the status of the corporate defined contribution pension plan that the user is enrolled in over a certain period.

[0027] The pension management server device 10 is an information processing device and comprises a control unit 100, a storage unit 110, and a communication unit 120.

[0028] The control unit 100 includes a processor such as a CPU (Central Processing Unit) and controls the operation of the pension management server device 10. The storage unit 110 includes, for example, an HDD (Hard Disk Drive), RAM (Random Access Memory), ROM (Read Only Memory), and SSD (Solid State Drive). Furthermore, the storage unit 110 is not limited to being built into the pension management server device 10, but may be a storage medium that can be detachably attached to the pension management server device 10 (for example, a USB memory). In this embodiment, the storage unit 110 stores various programs and various data executed by the control unit 100.

[0029] The communication unit 120 includes a communication interface for communicating with external devices wirelessly or via wired connections. The control unit 100 transmits and receives data with the user device 20 via the communication unit 120.

[0030] The user device 20 is an information processing device. The user device 20 may be a portable device such as a smartphone or a PC tablet. The user device 20 includes a control unit 200, a storage unit 210, a communication unit 220, an operation unit 230, a display unit 240, and a shooting unit 250. The control unit 200, the storage unit 210, and the communication unit 220 are the same as the control unit 100, storage unit 110, and communication unit 120 of the pension management server device 10, respectively. The operation unit 230 receives user input. The display unit 240 is, for example, a monitor and displays various screens. The operation unit 230 and the display unit 240 may be provided as a single touch panel. The user device 20 does not necessarily have to include a shooting unit 250. In this case, the user device 20 is capable of acquiring images from a shooting device.

[0031] In this embodiment, the user device 20 is assumed to have an application for pension management installed. This application is used to send and receive information with the pension management server device 10.

[0032] Next, the configuration of the control unit 100 of the pension management server device 10 will be described. The control unit 100 includes an acquisition unit 101, an extraction unit 102, an evaluation value determination unit 103, a retirement allowance prediction unit 104, a procedure assistance unit 105, and an output processing unit 106, which are performed by executing a program stored in the storage unit 110. In the following, the processes described as being performed by the acquisition unit 101, the extraction unit 102, the evaluation value determination unit 103, the retirement allowance prediction unit 104, the procedure assistance unit 105, and the output processing unit 106 are processes performed by the control unit 100 by executing a program.

[0033] The acquisition unit 101 acquires various information from the user device 20 via the communication unit 120. For example, the acquisition unit 101 acquires information such as images of transaction reports and the user's age. Hereinafter, the user to be processed will be referred to as the target user. Also, images of transaction reports will be referred to as transaction report images.

[0034] The extraction unit 102 extracts various information from the captured images of the transaction report. The transaction report images are captured by the camera unit 250 of the user device 20 and transmitted to the pension management server device 10 via the communication unit 220. The extraction unit 102 extracts the target user's name, creation date, account number, operating management institution, pension asset valuation, investment amount, unrealized gain / loss amount, and the name and percentage of the financial product (investment product) from the transaction report image. Hereinafter, the target user's name, creation date, account number, operating management institution, pension asset valuation, investment amount, unrealized gain / loss amount, and the name and percentage of the product extracted from the transaction report image will be referred to as transaction information.

[0035] The extraction unit 102 extracts transaction information, for example, by character recognition processing. Alternatively, since the format of the transaction report is predetermined, a learning model for information extraction may be generated based on the location and content of various information in the transaction report image and stored in the storage unit 110. In this case, the extraction unit 102 may use this learning model to extract transaction information.

[0036] Figure 2 shows an example of a transaction report image 40. In the transaction report image 40 shown in Figure 2, the subscriber's name is written in the first area 401 in the upper left. The creation date is written in the second area 402 in the upper right, and the account number and operating management institution are written in the third area 403 below it.

[0037] Furthermore, in the fourth area 404 in the center of the transaction report image 40, the pension asset valuation, investment amount, and unrealized gain / loss amount are listed from left to right. In the fifth area 405 in the lower right of the transaction report image 40, the names and percentages of the investment products currently held are listed.

[0038] The evaluation value determination unit 103 determines the evaluation value from the investment amount and unrealized profit / loss amount extracted by the extraction unit 102. Here, the evaluation value is a numerical representation of the current trading status of the target user in comparison with a plurality of pre-registered registered users. In this embodiment, the evaluation value is expressed in five stages, from the lowest to the highest of 5.

[0039] The retirement allowance prediction unit 104 calculates the estimated retirement allowance amount based on the investment amount extracted by the extraction unit 102 and the age of the target user. The procedure assistance unit 105 performs processing to assist procedures such as changing the allocation ratio of investment products or switching to other financial products in response to user operations.

[0040] The output processing unit 106 causes various information to be displayed on the display unit 240 of the user device 20. Specifically, the output processing unit 106 transmits the display information to be displayed to the user device 20 via the communication unit 120. The processing of each of the above-mentioned functional units will be described in detail later.

[0041] Figure 3 shows an example of the data structure of the registered user DB 50. The registered user DB 50 is stored in the storage unit 110. The registered user DB 50 stores the transaction information of registered users. Furthermore, when the transaction information of a target user is extracted by the extraction unit 102, this information is added to the registered user DB 50 as the transaction information of the registered user. In this way, in the pension management server device 10 of this embodiment, the transaction information of a target user is stored in the registered user DB 50 as the transaction information of a registered user, and later the registered user DB 50 is referenced when processing a new target user.

[0042] As shown in Figure 3, the registered user DB 50 stores, for each registered user, the following information is associated with the user ID: name, age, creation date, account number, operating management institution, pension asset valuation, investment amount, unrealized gains / losses, and investment products and their percentages. Here, the user ID is information used to identify each registered user and is assigned by the control unit 100 at the time of registration. The age is entered in the user device 20 according to the user operation and transmitted from the user device 20 to the pension management server device 10.

[0043] The name, creation date, account number, operating and management institution, pension asset valuation, investment amount, unrealized gains / losses, and product and its percentage are all information extracted from the transaction report image by the extraction unit 102.

[0044] Figure 4 is a flowchart illustrating the pension management process performed by the pension management server device 10. As a prerequisite, the target user uses the camera unit 250 of the user device 20 to capture images of their transaction reports. This allows the target user to obtain transaction report images. The target user then transmits these transaction report images from the user device 20 to the pension management server device 10 in response to user operations. Additionally, the target user inputs their age into the user device 20. In response to these user operations, the user device 20 transmits the target user's age to the pension management server device 10.

[0045] In response, the acquisition unit 101 of the pension management server device 10 acquires the transaction report image and age of the target user transmitted from the user device 20 (step S100). Next, the extraction unit 102 extracts various information of the target user from the transaction report image (step S102). Specifically, the extraction unit 102 acquires the target user's name, creation date, account number, operating management institution, pension asset valuation amount, investment amount, unrealized gains / losses amount, and the products and their proportions.

[0046] Next, the extraction unit 102 registers the information extracted from the target user's transaction report image, along with the user's age, as the transaction information of the registered user in the registered user DB 50 (step S104). Specifically, the extraction unit 102 issues a new user ID and registers the user ID and the information extracted from the transaction report image as the transaction information of one registered user in the registered user DB 50. Furthermore, if the user's age is obtained from the target user via the user device 20, the age is also registered as transaction information.

[0047] Next, the evaluation value determination unit 103 determines an evaluation value of the target user's trading status based on the acquired information, specifically the investment amount and the unrealized profit / loss amount (step S106). Specifically, the evaluation value determination unit 103 calculates the unrealized profit / loss ratio of the target user by dividing the unrealized profit / loss amount by the investment amount. Furthermore, the evaluation value determination unit 103 calculates the unrealized profit / loss ratios of all registered users registered in the registered user DB 50, and determines an evaluation value based on the position of the target user's unrealized profit / loss ratio in the distribution of the unrealized profit / loss ratios of the registered users.

[0048] The evaluation value determination unit 103, for example, divides the range of registered users' profit and loss ratios from the minimum to the maximum value into five equal parts, classifying them into five groups from smallest to largest: Group 1 to Group 5. The evaluation value determination unit 103 then determines the evaluation value of the group to which the target user's profit and loss ratio belongs. For example, if the target user's profit and loss ratio belongs to Group 3, the evaluation value of the target user will be 3.

[0049] Next, the output processing unit 106 displays the evaluation screen on the display unit 240 of the user device 20 (step S108). Here, the evaluation screen is a display screen that shows the evaluation value of the target user. Specifically, the output processing unit 106 transmits the evaluation screen to the user device 20 via the communication unit 120. Upon receiving the evaluation screen in the user device 20, the control unit 200 displays the evaluation screen on the display unit 240. This process is an example of the process by which the output processing unit 106 outputs the evaluation value from the output unit. In addition, the output processing unit 106 only needs to output the evaluation value from the output unit. As another example, if the pension management server device 10 is equipped with a display unit, the evaluation value may be displayed on the display unit.

[0050] Figure 5 shows an example of the evaluation screen 60 displayed on the display unit 240 of the user device 20. The evaluation screen 60 displays information indicating the evaluation value, such as "Your evaluation value is 3 on a 5-point scale." Furthermore, the evaluation screen 60 shown in Figure 5 displays a bar graph with the evaluation profit / loss ratio of registered users registered in the registered user DB 50 on the horizontal axis and the number of registered users on the vertical axis. In addition, the bar representing the evaluation profit / loss ratio of the group to which the target user belongs is shown in a different color or other different display manner from the other bars. This allows the target user to check their own trading status in comparison with registered users.

[0051] Next, the output processing unit 106 checks whether or not it has received a comparison screen display instruction in response to user operation on the user device 20 (step S110). If the output processing unit 106 has received a comparison screen display instruction (Y in step S110), it displays the comparison screen on the display unit 240 of the user device 20 (step S112). If the comparison screen display instruction has not been received (N in step S110), the control unit 100 proceeds to step S114.

[0052] Figure 6 shows an example of the display of the comparison screen 70 shown on the display unit 240 of the user device 20. The comparison screen 70 displays text information and a pie chart showing the financial products held by the target user and their proportions. Furthermore, it displays text information and a pie chart showing the financial products held by registered users belonging to evaluation value 5 and their proportions. It also displays text information and a pie chart showing the investment products held by registered users belonging to evaluation value 1 and their proportions.

[0053] Furthermore, the investment products and their proportions for registered users with a rating of 5 will be standard investment products and their proportions, determined from the investment products and their proportions among multiple registered users with a rating of 5. The same applies to the investment products and their proportions for registered users with a rating of 1.

[0054] Here, the text information and pie charts in Figure 6, which show the investment products held by the target users and their proportions, are both information representing the target users' portfolios. Hereafter, this will be referred to as the target portfolio information. In addition, the text information and pie charts showing the investment products held by registered users with an evaluation score of 1 and registered users with an evaluation score of 5, respectively, are both information representing the registered users' portfolios. Hereafter, these will be referred to as the reference portfolio information.

[0055] By displaying the target portfolio information and the reference portfolio information side-by-side in this way, the target user can compare their own portfolio with that of other registered users.

[0056] Furthermore, the portfolios of registered users with a low rating of 1 and those of registered users with a high rating of 5 are displayed. This allows the two portfolios to be used as a basis for considering which portfolio contributes to increasing the profit / loss ratio.

[0057] After the processing in step S112 in Figure 4, the procedural support unit 105 checks via the communication unit 120 whether or not it has received a portfolio change screen display instruction from the user device 20 (step S114). If the target user wants to simulate a portfolio change, they input a portfolio change screen display instruction to the user device 20 in order to display the portfolio change screen. For example, in the comparison display screen in Figure 6, if the user selects "Yes" in response to the question "Do you want to change to the portfolio of the user with an evaluation value of 5?", a portfolio change screen display instruction is input. In response, the user device 20 sends the portfolio change screen display instruction to the pension management server device 10.

[0058] In step S114, if the procedural support unit 105 receives an instruction to display the portfolio change screen (Y in step S114), it displays the portfolio change screen. The portfolio change screen displays the portfolio of the reference portfolio information selected by the target user (in the example of Figure 6, the registered user with an evaluation value of 5) as the changes to the target user's portfolio. Furthermore, as another example, the portfolio change screen may also display selectable products to bring the target user's portfolio closer to the breakdown of foreign stocks, domestic stocks, etc., shown in the reference portfolio information selected by the target user. The target user can simulate portfolio changes according to user operations. If the instruction to display the portfolio change screen is not received (N in step S114), the control unit 100 proceeds to step S118.

[0059] Furthermore, on the portfolio change screen, if the user wishes to change their portfolio, they enter a portfolio change instruction. In this case, the procedure support unit 105 of the pension management server device 10 obtains the portfolio change instruction from the user device 20 via the communication unit 120. Upon obtaining the portfolio change instruction, the procedure support unit 105 refers to the user's transaction information and identifies the website (procedure site) of the user's operating management institution. The procedure support unit 105 then sends the URL of the procedure site to the user device 20, causing the procedure site to be displayed on the display unit 240. It is assumed that a correspondence table associating the names of each operating management institution with the URLs of each institution's procedure sites is pre-stored in the storage unit 110.

[0060] Furthermore, the procedure support unit 105 transmits the user's account number along with the URL to the user device 20, thereby automatically entering the account number into the input field for the subscriber's account number on the procedure site. This reduces the effort required of the target user to display the procedure site and to input information.

[0061] Next, the retirement allowance prediction unit 104 checks via the communication unit 120 whether or not it has received a retirement allowance display instruction from the user device 20 (step S118). The target user can optionally input a retirement allowance estimated amount display instruction on the user device 20. If the target user inputs a retirement allowance estimated amount display instruction, the retirement allowance estimated amount display instruction is transmitted from the user device 20 to the pension management server device 10.

[0062] If the retirement allowance prediction unit 104 receives an instruction to display the estimated retirement allowance (Y in step S118), it displays the retirement allowance (step S120). Specifically, the retirement allowance prediction unit 104 predicts the estimated retirement allowance based on the target user's profit and loss ratio and the target user's age, and displays this on the display unit 240. In addition, in predicting the estimated retirement allowance, the risk tolerance may be obtained from the target user and further referenced. This completes the pension management process. If the instruction to display the estimated retirement allowance is not received (N in step S118), the control unit 100 terminates the process.

[0063] As described above, in the pension management system 1 of this embodiment, a user can obtain an evaluation value of their trading status simply by taking a picture of the transaction report and sending the transaction report image to the pension management server device 10. In other words, an evaluation value can be easily obtained without the need for troublesome operations such as obtaining a user ID and password to log in to a predetermined site.

[0064] The embodiments described above are merely examples for carrying out the present invention, and various other embodiments can be adopted. For example, various modifications and changes are possible within the scope of the gist of the present invention as described in the claims, such as applying one modification to another. For example, some of the components of the above embodiments may be omitted, or the order of processing may be changed or omitted.

[0065] The first modified example will now be described. The pension management server device 10 in this embodiment may be implemented by multiple devices. For example, some of the functions of the pension management server device 10 may be implemented by the user device 20. For example, the extraction unit 102 may be provided by the user device 20. In this case, the extraction results are transmitted from the user device 20 to the pension management server device 10, and the pension management server device 10 performs the subsequent processing.

[0066] As a second variation, the scope of management of pension management system 1 is not limited to corporate defined contribution pension plans, but may also include individual defined contribution pension plans.

[0067] In a third variation, the transaction information stored in the registered user DB 50 may include at least the registered user's investment amount and unrealized gains / losses, or it may only include the unrealized gains / losses, and may not include any other information. In this case as well, the pension management server device 10 can determine the evaluation value of the target user by referring to this information.

[0068] For example, transaction information does not include the user's age, and the pension management server device 10 does not need to display the estimated retirement allowance.

[0069] A fourth variation is that the valuation value only needs to be determined based on at least the amount of investment and the amount of unrealized gains or losses, and the information referenced is not limited to the embodiment. In other examples, the number and types of investment products may be further referenced in determining the valuation value.

[0070] A fifth variation is that the evaluation value is not limited to a 5-point scale. For example, the evaluation value may be a 3-point scale or a 6-point scale or higher. Furthermore, the evaluation value may be determined based on the profit and loss ratio of registered users and the profit and loss ratio of the target user, and may be a standard score of the profit and loss ratio of the target user, with the profit and loss ratio of registered users as the population.

[0071] A sixth modification will now be described. In the comparison screen, the target portfolio information and the reference portfolio information should be displayed side by side, and the specific display content is not limited to the embodiment. The reference portfolio information displayed side by side with the target portfolio information may be one or more. For example, along with the target portfolio information, five reference portfolio information entries determined from the registration groups belonging to each of the five groups may be displayed.

[0072] Furthermore, the reference portfolio information displayed alongside the target portfolio information can be any portfolio of a registered user that meets predetermined conditions. These conditions include, for example, that the unrealized gain / loss amount is higher than that of the target user, or that the unrealized gain / loss amount is lower than that of the target user. In this case, two pieces of reference portfolio information will be displayed as the target portfolio information. Of these, the first piece of reference portfolio information corresponds to a registered user whose unrealized gain / loss amount is lower than that of the target user. The second piece of reference portfolio information corresponds to a registered user whose unrealized gain / loss amount is higher than that of the target user.

[0073] Other examples include the condition that the registered user ranks in the top 20% in terms of unrealized gains / losses. Another example is the condition that the unrealized gains / losses exceed the company's assumed rate of return. Here, the assumed rate of return may be the one entered by the target user in the user device 20, or a baseline value of the assumed rate of return, pre-set in the storage unit 110, may be used. The conditions can be set arbitrarily. Therefore, it is possible to display the reference portfolio information of registered users that you want to draw the attention of the target user.

[0074] As a seventh variation, the evaluation value determination unit may determine the evaluation value of the target user based on the company's assumed rate of return. For example, the evaluation value determination unit may set an evaluation value of 3 for values ​​within plus or minus 0.3% of the assumed rate of return, an evaluation value of 4 for values ​​up to 0.6% higher than the upper limit, and an evaluation value of 5 for values ​​above that. Alternatively, the evaluation value determination unit may set an evaluation value of 2 for values ​​up to 0.6% lower than the lower limit of evaluation value 3, and an evaluation value of 1 for values ​​below that.

[0075] As an eighth variation, in this embodiment, the output processing unit 106 displays text information and a pie chart as target portfolio information and reference portfolio information on the comparison screen, but is not limited to this. Target portfolio information and reference portfolio information can be any information that displays the investment products and their proportions for the target user and registered user, respectively. For example, the target portfolio information may be a bar graph with the types of investment products of the target user on the horizontal axis and the proportion of investment products on the vertical axis, and the reference portfolio information may be a bar graph in a similar manner.

[0076] As a ninth variation, in the initial stages of pension management in the pension management server device 10, the registered user DB 50 does not store a sufficient amount of transaction information to determine the evaluation value of the target user. Therefore, the storage unit 110 may store a distribution of standard yield data as a standard distribution, and the evaluation value determination unit 103 may use this standard distribution as a basis for determining the evaluation value of the target user, instead of the distribution of the registered user's evaluation profit / loss ratio.

[0077] As a tenth variation, the transaction information stored in the registered user DB 50 may include the registered user's risk tolerance. Here, the risk tolerance is obtained by user input in the user device 20. In another example, the risk tolerance may be determined by the user taking a predetermined diagnostic test using the user device 20 and transmitted to the pension management server device 10.

[0078] The output processing unit 106 then plots each registered user on a graph with unrealized gains / losses on the horizontal axis and risk tolerance on the vertical axis, and classifies the registered users into multiple groups based on their distribution. The output processing unit 106 may then create reference portfolio information for each group from the transaction information of the registered users belonging to each group and display this information. This allows the target user to refer to reference portfolio information for groups with similar risk tolerance to their own, and to refer to reference portfolio information for multiple groups.

[0079] As an eleventh variation, the registered user DB 50 may store multiple transaction information as history corresponding to multiple transaction reports issued at different times for the same registered user. In this case, the output processing unit 106 may further display the transaction information history on the display unit 240 of the user device 20.

[0080] As a twelfth variation, the extraction unit 102 may further extract the contribution amount, redemption amount, etc., from the transaction report image. The evaluation value determination unit 103 may then calculate the yield for the target user based on this information. The total membership period may also be taken into account in the yield calculation. The total membership period is, for example, entered in response to user operations on the user device 20 and transmitted to the pension management server device 10.

[0081] According to the pension management system, program, and pension management method of this embodiment, which has the above configuration, the extraction unit 102 extracts the investment amount and the unrealized gain / loss amount from the captured image of the transaction report of the target user's defined contribution pension, the evaluation value determination unit 103 determines the evaluation value of the target user's transactions based on the unrealized gain / loss rate of each of the multiple registered users stored in the storage unit 110 and the investment amount and unrealized gain / loss amount of the target user extracted by the extraction unit 102, and the output processing unit 106 outputs the evaluation value from the output unit (display unit 240). In this way, since the evaluation value regarding the target user's transaction status is automatically output from the captured image of the transaction report, the target user (participant in the defined contribution pension) can more easily check the evaluation value. In other words, the user can easily participate in the management of the defined contribution pension.

[0082] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the defined contribution pension is a corporate defined contribution pension, and the valuation value determination unit 103 may determine the valuation value based on the amount of unrealized gains and losses, the investment amount, and the assumed rate of return set by the company. This makes it possible to provide the user with a valuation value based on the assumed rate of return.

[0083] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the extraction unit 102 may store the target user's investment amount and unrealized gain / loss amount as registered user information, or the target user's unrealized gain / loss rate as registered user information, in the storage unit, associating them with the registered user's identification information. This increases the amount of registered user information and makes it possible to present more reliable evaluation values.

[0084] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the extraction unit 102 further extracts the types and proportions of investment products from the captured image, the storage unit 110 further stores the types and proportions of investment products of the registered user, and the output processing unit 106 may display on the display unit 240 the target portfolio information showing the types and proportions of investment products extracted by the extraction unit 102, and the reference portfolio information showing the types and proportions of investment products for each of the multiple registered users stored in the storage unit 110. This allows the target user to compare and examine the portfolios of registered users with their own portfolio.

[0085] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the target portfolio information and reference portfolio information may be information that shows the types of investment products and the proportion of investment products in a graph. This makes it easy to compare the portfolio of a target user with the portfolio of a registered user.

[0086] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the reference portfolio information may be information indicating the types of investment products and the proportion of investment products for registered users who meet predetermined conditions among a plurality of registered users stored in the storage unit 110. Since these conditions can be set arbitrarily, it is possible to present the portfolios of registered users that you would like to draw particular attention to.

[0087] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the defined contribution pension is a corporate defined contribution pension, and the condition may be that the unrealized gain / loss ratio is equal to or greater than the assumed rate of return. This makes it possible to present the portfolios of registered users whose unrealized gain / loss amount is equal to or greater than the assumed rate of return.

[0088] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the output processing unit 106 may display, together with the target portfolio information, first reference portfolio information indicating the types of investment products and the proportion of investment products for registered users who satisfy a first condition among a plurality of registered users stored in the storage unit 110, and second reference portfolio information indicating the types of investment products and the proportion of investment products for registered users who satisfy a second condition different from the first condition. By displaying multiple portfolios in this way, the target user can examine their own portfolio in more detail.

[0089] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the storage unit 110 may further store the risk tolerance of each registered user, and the output processing unit 106 may classify the registered users into multiple groups based on the valuation profit / loss ratio and risk tolerance, and display the reference portfolio information for each group together with the target portfolio information. This makes it possible to present the characteristics of the portfolio for each group.

[0090] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the extraction unit 102 further includes a retirement allowance prediction unit 104 that extracts the investment amount from the captured image and predicts the target user's expected retirement allowance amount based on the target user's age, the amount of unrealized gains and losses, and the investment amount, and the output processing unit 106 may output the expected retirement allowance amount. This allows the target user to also check the expected retirement allowance amount with simple operations.

[0091] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the storage unit 110 may store the information of each of the multiple transaction reports issued to the same registered user as a history, and the output processing unit 106 may output the history. This makes it possible to check changes in a time-series manner, such as the changes in the amount of unrealized gains and losses.

[0092] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the extraction unit 102 may further include a procedure assistance unit 105 that extracts account numbers from captured images, and, in response to user operation, displays a procedure site when a portfolio change instruction is received, and inputs the account number into the input field on the procedure site. This makes it possible to assist user operations for portfolio changes.

[0093] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the procedural support unit may display a portfolio change screen that accepts the portfolio change instruction, and on the portfolio change screen, it may display the portfolio of the registered user specified by the user as the changed portfolio. This makes it possible to assist user operations for portfolio changes. [Explanation of Symbols]

[0094] 1. Pension Management System 10. Pension Management Server Device 20 User devices 40 Transaction report images 50 Registered User Database 60 Evaluation screen 70 Comparison screen 100 Control Unit 101 Acquisition Department 102 Extraction part 103 Evaluation Value Determination Unit 104 Retirement Allowance Forecasting Department 105 Procedural Support Department 106 Output Processing Unit 110 Storage section 120 Communications Department 200 Control Unit 210 Storage section 220 Communications Department 230 Operation section 240 Display section 250 Photography Department

Claims

1. An extraction unit extracts the investment amount and the unrealized gain / loss amount from the image of the transaction report of the defined contribution pension for the target user to be processed. A value determination unit determines the value of a target user's transactions based on the profit / loss ratio of each of multiple registered users stored in the memory unit, and the investment amount and profit / loss amount of the target user extracted by the extraction unit, An output processing unit that outputs the aforementioned evaluation value from the output unit. A pension management system equipped with the following features.

2. Defined contribution pensions are corporate defined contribution pensions, The pension management system according to claim 1, wherein the evaluation value determination unit determines the evaluation value based on the evaluation profit / loss amount, the investment amount, and the expected rate of return by the company.

3. The pension management system according to claim 1, wherein the extraction unit stores the target user's investment amount and unrealized gain / loss amount as registered user information, or the target user's unrealized gain / loss rate as registered user information, in association with the registered user's identification information in the storage unit.

4. The extraction unit further extracts the types of products being used and the proportion of products being used from the captured image. The storage unit further stores the types of the operating products of the registered user and the proportion of the operating products. The pension management system according to claim 1, wherein the output processing unit causes the display unit to display target portfolio information indicating the types and proportions of investment products extracted by the extraction unit, and reference portfolio information stored in the storage unit indicating the types and proportions of investment products for each of the multiple registered users.

5. The pension management system according to claim 4, wherein the target portfolio information and the reference portfolio information are information that graphically shows the types of investment products and the proportions of the investment products.

6. The pension management system according to claim 4, wherein the reference portfolio information is information indicating the types of investment products and the proportion of investment products for registered users who meet predetermined conditions among a plurality of registered users stored in the storage unit.

7. Defined contribution pensions are corporate defined contribution pensions, The pension management system according to claim 6, wherein the aforementioned condition is that the unrealized gain / loss ratio is equal to or greater than the expected yield.

8. The pension management system according to claim 4, wherein the output processing unit displays, together with the target portfolio information, first reference portfolio information indicating the types of investment products and the proportion of investment products for registered users who satisfy a first condition among a plurality of registered users stored in the storage unit, and second reference portfolio information indicating the types of investment products and the proportion of investment products for registered users who satisfy a second condition different from the first condition.

9. The storage unit further stores the risk tolerance of each of the registered users, The pension management system according to claim 4, wherein the output processing unit classifies the registered users into a plurality of groups based on the valuation profit / loss ratio and the risk tolerance, and displays the reference portfolio information for each group together with the target portfolio information.

10. The extraction unit further extracts the operating amount from the captured image, The system further includes a retirement allowance prediction unit that predicts the target user's expected retirement allowance amount based on the target user's age, the amount of unrealized gains or losses, and the amount of investment. The pension management system according to claim 1, wherein the output processing unit outputs the estimated retirement allowance amount.

11. The storage unit stores the information of each of the multiple transaction reports issued to the same registered user as a history. The pension management system according to claim 1, wherein the output processing unit causes the history to be output.

12. The extraction unit further extracts the account number from the captured image, The pension management system according to claim 1, further comprising a procedure support unit that, in response to user operation, displays a procedure site when a portfolio change instruction is received, and inputs the account number into the input field on the procedure site.

13. The pension management system according to claim 12, wherein the procedural support unit displays a portfolio change screen for receiving the portfolio change instruction, and on the portfolio change screen, displays the portfolio of the registered user specified by the user as the changed portfolio.

14. A program that causes a computer to function as an extraction unit, an evaluation value determination unit, and an output processing unit, The extraction unit extracts the investment amount and the unrealized gain / loss amount from the image of the transaction report of the defined contribution pension of the target user to be processed. The evaluation value determination unit determines the evaluation value of the target user's transactions based on the profit / loss ratios of each of the multiple registered users stored in the storage unit, and the investment amount and profit / loss amount of the target user extracted by the extraction unit. The output processing unit is a program that causes the evaluation value to be output from the output unit.

15. A pension management method performed by a computer having a control unit, The control unit performs the steps of extracting the investment amount and the unrealized gain / loss amount from the captured image of the transaction report of the defined contribution pension of the target user to be processed. The control unit performs the step of determining the evaluation value of the target user's transactions based on the profit / loss ratio of each of the multiple registered users stored in the storage unit, the amount of the target user's investments, and the amount of the profit / loss. The control unit performs the step of outputting the evaluation value from the output unit, Pension management methods, including those mentioned above.

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