Pension management system, program and pension management method

Abstract

To provide a pension management system, program, and pension management method that enables subscribers to more easily participate in the management of their defined contribution pension plans. [Solution] The system includes an extraction unit 102 that extracts the investment amount and the amount of unrealized profit and loss from the 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 transaction based on the evaluation profit and loss rate of each of a plurality of registered users stored in a memory unit 120 and the investment amount and the amount of unrealized profit and loss of the target user extracted by the extraction unit 102, and an output processing unit 106 that causes the evaluation value to be output from the output unit.

Description

[Technical field]

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

[0002] Defined contribution pension systems are known as pension systems. Patent Document 1 discloses a technique for notifying a participant when the participant's investment results deviate from the initial plan. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2009-211594 A Summary of the Invention [Problem to be solved by the invention]

[0004] There was a problem in that many of the participants in the defined contribution pension system did not understand the status of the investment or felt it was troublesome to take action regarding the investment.

[0005] The present invention has been made in consideration of these points, and has an object to provide a technique that enables participants to more easily participate in the management of their defined contribution pension plans. [Means for solving the problem]

[0006] The pension management system of the present invention comprises: An extraction unit that extracts an investment amount and an unrealized profit and loss amount from a captured image of a transaction report of a defined contribution pension plan of a target user to be processed; an evaluation value determination unit that determines an evaluation value of a transaction of a target user based on the evaluation profit and loss ratio of each of a plurality of registered users stored in a storage unit and the investment amount and the evaluation profit and loss amount of the target user extracted by the extraction unit; an output processing unit that outputs the evaluation value from an output unit; The present invention is characterized by comprising:

[0007] In the pension management system of the present invention, A defined contribution pension is a corporate defined contribution pension. The evaluation value determination unit may determine the evaluation value based on the amount of valuation profit or loss, the investment amount, and an expected return by the company.

[0008] In the pension management system of the present invention, The extraction unit may store in the memory unit the investment amount and the valuation profit / loss amount of the target user as information of the registered user, or the valuation profit / loss ratio of the target user as information of the registered user, in correspondence with identification information of the registered user.

[0009] In the pension management system of the present invention, The extraction unit further extracts a type of investment product and a ratio of the investment product from the captured image, The storage unit further stores the type of the investment product and the ratio of the investment product of the registered user, The output processing unit may display on a display unit target portfolio information indicating the types of investment products and the proportions of the investment products extracted by the extraction unit, and reference portfolio information indicating the types of investment products and the proportions of the investment products for each of a plurality of registered users, which is stored in the memory unit.

[0010] In the pension management system of the present invention, The target portfolio information and the reference portfolio information may be information showing in the form of a graph the types of investment products and the ratios of the investment products.

[0011] In the pension management system of the present invention, The reference portfolio information may be information indicating the types of investment products and the ratios of investment products of registered users who satisfy a predetermined condition among a plurality of registered users stored in the storage unit.

[0012] In the pension management system of the present invention, A defined contribution pension is a corporate defined contribution pension. The condition may be that the valuation profit / loss rate is equal to or greater than the expected 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 of registered users who satisfy a first condition among the multiple registered users stored in the memory unit, and second reference portfolio information indicating the types of investment products and the proportion of investment products of 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 a risk tolerance of each of the registered users, The output processing unit may classify the registered users into a plurality of groups based on the valuation profit and 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 an investment amount from the captured image, The system further includes a retirement allowance prediction unit that predicts a planned retirement allowance amount of the target user based on the age of the target user, the valuation profit and loss amount, and the investment amount, The output processing unit may output the estimated amount of the retirement allowance.

[0016] In the pension management system of the present invention, The storage unit stores information on each of a plurality of transaction reports issued to a single 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, The system may further include a procedure assistance unit that, when a portfolio change instruction is received in response to a user operation, displays a procedure site and inputs the account number into an input field on the procedure site.

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

[0019] The program of the present invention comprises: A program for causing a computer to function as an extraction unit, an evaluation value determination unit, and an output processing unit, The extraction unit extracts an investment amount and an unrealized profit and loss amount from a captured image of a transaction report of a defined contribution pension plan 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 ratio of each of the multiple registered users stored in the storage unit and the investment amount and the evaluation profit and loss amount of the target user extracted by the extraction unit; The output processing unit outputs the evaluation value from an output unit.

[0020] The pension management method of the present invention comprises: A pension management method carried out by a computer having a control unit, comprising: The control unit extracts an investment amount and an unrealized profit and loss amount from a captured image of a transaction report of the defined contribution pension plan of the 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 rate of each of a plurality of registered users and the investment amount and the evaluation profit and loss amount of the target user, which are stored in a storage unit; a step of causing the control unit to output the evaluation value from an output unit; The present invention is characterized in that it includes: Effect of the Invention

[0021] The pension management system, program, and pension management method of the present invention can provide technology that enables subscribers to more easily participate in the management of their defined contribution pension plans. [Brief description of the drawings]

[0022] [Figure 1] 1 is an overall configuration diagram of a pension management system. [Diagram 2] FIG. 13 is a diagram showing an example of a transaction report image. [Diagram 3] FIG. 13 is a diagram illustrating an example of a data configuration of a registered user DB. [Figure 4] 13 is a flowchart showing a pension management process. [Diagram 5] FIG. 13 is a diagram showing a display example of an evaluation screen. [Figure 6] FIG. 13 is a diagram showing a display example of a comparison screen. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0023] Hereinafter, an embodiment will be described with reference to the drawings. Figures 1 to 6 are diagrams showing a pension management system, a program, a pension management method, and the like according to the present embodiment.

[0024] FIG. 1 is an overall configuration diagram of a pension management system 1 according to this embodiment. The pension management system 1 manages corporate defined contribution pensions of users. Here, the target users are not limited to subscribers of a corporate defined contribution pension plan of a specific company, but may be subscribers of a corporate defined contribution pension plan of any company. In other words, the pension management system 1 manages corporate defined contribution pensions without restricting the target companies.

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

[0026] The pension management server device 10 manages the status of the user's corporate defined contribution pension by acquiring a photographed image of the transaction report from the user device 20 used by the user and extracting various information from the acquired photographed image. Here, the transaction report is a paper medium that prints the status of the corporate defined contribution pension to which the user is a member for a certain period of time.

[0027] The pension management server device 10 is an information processing device, and includes 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, a HDD (Hard Disk Drive), a RAM (Random Access Memory), a ROM (Read Only Memory), and an SSD (Solid State Drive). The storage unit 110 is not limited to being built into the pension management server device 10, and may be a storage medium (for example, a USB memory) that is detachably attached to the pension management server device 10. In this embodiment, the storage unit 110 stores various programs executed by the control unit 100 and various data.

[0029] The communication unit 120 includes a communication interface for performing wireless or wired communication with an external device. The control unit 100 transmits and receives data to and from 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 an image capture unit 250. The control unit 200, the storage unit 210, and the communication unit 220 are the same as the control unit 100, the storage unit 110, and the communication unit 120 of the pension management server device 10, respectively. The operation unit 230 accepts user operations. The display unit 240 is, for example, a monitor or the like, and displays various screens. The operation unit 230 and the display unit 240 may be provided integrally as a touch panel. The user device 20 may not include the image capture unit 250. In this case, the user device 20 is assumed to be capable of acquiring captured images from the image capture device.

[0031] In this embodiment, it is assumed that an application for pension management is installed in the user device 20. It is assumed that information is transmitted and received to and from the pension management server device 10 by this application.

[0032] Next, the configuration of the control unit 100 of the pension management server device 10 will be described. The control unit 100 is provided with 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 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 the program.

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

[0034] The extraction unit 102 extracts various information from the captured image of the transaction report. The transaction report image is captured by the capture 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, operation management institution, pension asset valuation amount, investment amount, valuation profit and loss amount, product name of financial product (investment product) and its ratio from the transaction report image. Hereinafter, the target user's name, creation date, account number, operation management institution, pension asset valuation amount, investment amount, valuation profit and loss amount, product name and its ratio extracted from the transaction report image will be appropriately referred to as transaction information.

[0035] The extraction unit 102 extracts the transaction information by, for example, character recognition processing. Since the format of the transaction report is predetermined, a learning model for information extraction may be generated based on the description positions and contents of various information in the transaction report image, and may be stored in the storage unit 110. In this case, the extraction unit 102 may extract the transaction information by utilizing the learning model.

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

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

[0038] The evaluation value determination unit 103 determines an evaluation value from the investment amount and the amount of evaluation profit and loss 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 registered users who have been registered in advance. In this embodiment, the evaluation value is expressed on a five-level scale from 1, which is the lowest, to 5, which is the highest.

[0039] The retirement allowance prediction unit 104 calculates the planned retirement allowance 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 with procedures such as allocation changes to change the types of investment products and allocation ratios, and switching to other financial products, in response to user operations.

[0040] The output processing unit 106 displays various information on the display unit 240 of the user device 20. Specifically, the output processing unit 106 transmits 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] FIG. 3 is a diagram showing an example of the data configuration of the registered user DB 50. The registered user DB 50 is stored in the storage unit 110. The registered user DB 50 stores transaction information of registered users. Furthermore, when transaction information of a target user is extracted by the extraction unit 102, this information is added to the registered user DB 50 as transaction information of the registered user. Thus, in the pension management server device 10 of this embodiment, the transaction information of the target user is stored in the registered user DB 50 as transaction information of the registered user, and the registered user DB 50 is later referred to when processing a new target user.

[0042] As shown in Fig. 3, in the registered user DB 50, the name, age, creation date, account number, operation management institution, pension asset valuation amount, investment amount, valuation profit and loss amount, products and their ratios are stored in association with the user ID for each registered user. Here, the user ID is information for identifying each registered user, and is assigned by the control unit 100 at the time of registration. The age is input in the user device 20 in response to a user operation, and is transmitted from the user device 20 to the pension management server device 10.

[0043] The name, creation date, account number, operation management institution, pension asset valuation amount, investment amount, valuation profit / loss amount, product and its ratio are all information extracted by the extraction unit 102 from the transaction report image.

[0044] 4 is a flowchart showing pension management processing by the pension management server device 10. As a premise, the target user takes a photo of his / her own transaction report using the photographing unit 250 of the user device 20. As a result, the target user acquires a transaction report image. Then, the target user transmits the transaction report image from the user device 20 to the pension management server device 10 in response to a user operation. The target user also inputs his / her own age into the user device 20. In response to the user operation, the target user's age is transmitted from the user device 20 to the pension management server device 10.

[0045] In response to this, 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, operation management institution, pension asset valuation amount, investment amount, valuation profit and loss amount, product and its ratio.

[0046] Next, the extraction unit 102 registers the information extracted from the transaction report image of the target user and the age in the registered user DB 50 as transaction information of the registered user (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 in the registered user DB 50 as transaction information of one registered user. Furthermore, when the age is acquired 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 situation based on the investment amount and the amount of valuation profit and loss from the acquired information (step S106). Specifically, the evaluation value determination unit 103 obtains the valuation profit and loss ratio of the target user by dividing the amount of valuation profit and loss by the investment amount. Furthermore, the evaluation value determination unit 103 obtains the valuation profit and loss ratios of all registered users registered in the registered user DB 50, and obtains an evaluation value based on the position of the valuation profit and loss ratio of the target user in the distribution of the valuation profit and loss ratios of the registered users.

[0048] The evaluation value determination unit 103 classifies the registered users into five groups, from the first group to the fifth group, in ascending order by dividing the minimum to maximum valuation profit and loss ratios of the registered users into five equal parts, for example. Then, the evaluation value determination unit 103 determines the group to which the valuation profit and loss ratio of the target user belongs as the evaluation value. For example, if the valuation profit and loss ratio of the target user belongs to the third group, the evaluation value of the target user is 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 showing 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. In the user device 20, when the evaluation screen is received, the control unit 200 displays the evaluation screen on the display unit 240. This process is an example of a process in which the output processing unit 106 outputs the evaluation value from the output unit. It is only necessary for the output processing unit 106 to output the evaluation value from the output unit. As another example, in the case where the pension management server device 10 is equipped with a display unit, the evaluation value may be displayed on the display unit.

[0050] FIG. 5 is a diagram showing a display example of an 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 FIG. 5 displays a bar graph with the evaluation profit and 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. Furthermore, the bar of the evaluation profit and loss ratio of the group to which the target user belongs is displayed in a different display mode, such as a different color, from the other bars. This allows the target user to check his or her own trading status in comparison with registered users.

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

[0052] 6 is a diagram showing an example of a comparison screen 70 displayed on the display unit 240 of the user device 20. The comparison screen 70 displays text information and a pie chart showing financial products held by the target user and their ratios. In addition, text information and a pie chart showing financial products held by registered users belonging to an evaluation value of 5 and their ratios are displayed. In addition, text information and a pie chart showing investment products held by registered users belonging to an evaluation value of 1 and their ratios are displayed.

[0053] The investment products and their ratios for a registered user with a rating of 5 are standard investment products and their ratios determined from the investment products and their ratios for multiple registered users with a rating of 5. The same applies to the investment products and their ratios for a registered user with a rating of 1.

[0054] Here, the text information and pie chart showing the investment products held by the target user and their ratios shown in Figure 6 are both information showing the target user's portfolio. Hereinafter, this will be referred to as target portfolio information. Also, the text information and pie chart showing the investment products held by the registered user with evaluation value 1 and the registered user with evaluation value 5 and their ratios are both information showing the registered user's portfolio. Hereinafter, this will be referred to as reference portfolio information.

[0055] In this way, by displaying the target portfolio information and the reference portfolio information side by side, the target user can compare his / her own portfolio with the portfolios of registered users.

[0056] Furthermore, the portfolio of a registered user with a low evaluation value of 1 and the portfolio of each registered user with a high evaluation value of 5 are displayed. This allows the two portfolios to be used as material for examining portfolios that contribute to increasing the valuation profit and loss ratio.

[0057] After the process of step S112 in FIG. 4, the procedure assistance unit 105 checks whether a portfolio change screen display instruction has been received from the user device 20 via the communication unit 120 (step S114). When the target user wants to simulate a portfolio change, the target user inputs a portfolio change screen display instruction to the user device 20 to display the portfolio change screen. For example, in the comparison display screen of FIG. 6, when the target user selects "Yes" in response to the question "Do you want to change to the portfolio of a user with an evaluation value of 5?", a portfolio change screen display instruction is input. In response to this, the user device 20 transmits a portfolio change screen display instruction to the pension management server device 10.

[0058] In step S114, when the procedure assistance unit 105 acquires a portfolio change screen display instruction (Y in step S114), it displays a portfolio change screen. The portfolio change screen displays the portfolio of the reference portfolio information selected by the target user (registered user with evaluation value 5 in the example of FIG. 6) as the change contents of the target user's portfolio. As another example, the portfolio change screen may display products that can be selected to make 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 the change of the portfolio according to the user's operation. Note that, when the portfolio change screen display instruction is not acquired (N in step S114), the control unit 100 advances the process to step S118.

[0059] Furthermore, in the portfolio change screen, if the target user wishes to change the portfolio, the target user inputs a portfolio change instruction. In this case, the procedure assistance unit 105 of the pension management server device 10 acquires the portfolio change instruction from the user device 20 via the communication unit 120. When the procedure assistance unit 105 acquires the portfolio change instruction, it refers to the transaction information of the target user and identifies the website (procedure site) of the operation management institution of the target user. Then, the procedure assistance unit 105 transmits the URL of the procedure site to the user device 20, thereby displaying the procedure site on the display unit 240. It is assumed that a correspondence table that associates the name of each operation management institution with the URL of the procedure site of each operation management institution is stored in advance in the storage unit 110.

[0060] Furthermore, the procedure assistance unit 105 transmits the user's account number together with the URL to the user device 20, so that the account number is automatically input into the input field for the subscriber's account number on the procedure site. This can reduce the effort required for the target user to display the procedure site and the effort required for input.

[0061] Next, the retirement allowance prediction unit 104 checks whether or not a retirement allowance display instruction has been received from the user device 20 via the communication unit 120 (step S118). The target user can input an instruction to display the planned amount of retirement allowance at the user device 20 if desired. When the target user inputs an instruction to display the planned amount of retirement allowance, the instruction is transmitted from the user device 20 to the pension management server device 10.

[0062] When the retirement allowance prediction unit 104 receives an instruction to display the planned retirement allowance (Y in step S118), it displays the retirement allowance (step S120). Specifically, the retirement allowance prediction unit 104 predicts the planned retirement allowance based on the target user's valuation profit and loss rate and the target user's age, and displays this on the display unit 240. Note that in predicting the planned retirement allowance, a risk tolerance may be obtained from the target user and the risk tolerance may be further referenced. This completes the pension management process. Note that when an instruction to display the planned retirement allowance is not received (N in step S118), the control unit 100 ends the process.

[0063] As described above, in the pension management system 1 of this embodiment, a user can obtain an evaluation value of his / her own transaction status simply by taking a picture of a transaction report and transmitting 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 for logging in to a specific site.

[0064] The above embodiment is one example 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 described in the claims, such as applying one modified example to another modified example. For example, some of the configurations of the above embodiment may be omitted, and the order of processing may be changed or omitted.

[0065] Such a first modified example will be described. The pension management server device 10 of this embodiment may be realized by a plurality of devices. For example, part of the functions of the pension management server device 10 may be realized by the user device 20. For example, the extraction unit 102 may be provided in the user device 20. In this case, the extraction result is transmitted from the user device 20 to the pension management server device 10, and the subsequent processing is performed in the pension management server device 10.

[0066] As a second modification, the object of management of the pension management system 1 is not limited to corporate defined contribution pension plans, but may be individual defined contribution pension plans.

[0067] As a third modification, the transaction information stored in the registered user DB 50 may include at least the investment amount and the valuation profit and loss amount of the registered user, or may include the valuation profit and loss amount, and may not include other information. In this case, the pension management server device 10 can determine the evaluation value of the target user by referring to this information.

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

[0069] As a fourth modified example, the evaluation value may be determined based on at least the investment amount and the amount of evaluation profit and loss, and the information to be referred to is not limited to that in the embodiment. As another example, the number and types of investment products may be further referred to in determining the evaluation value.

[0070] As a fifth modified example, the evaluation value is not limited to a five-level value. For example, the evaluation value may be three levels, or six levels or more. Furthermore, the evaluation value may be a value determined based on the evaluation profit and loss ratio of the registered user and the evaluation profit and loss ratio of the target user, and may be a standard deviation value of the evaluation profit and loss ratio of the target user with the evaluation profit and loss ratio of the registered users as a population.

[0071] A sixth modified example will be described. In the comparison screen, it is sufficient that the target portfolio information and the reference portfolio information are displayed side by side, and the specific display contents are not limited to those of the embodiment. The reference portfolio information displayed side by side with the target portfolio information may be one or more. For example, five pieces of reference portfolio information determined from registered groups belonging to each of the five groups may be displayed together with the target portfolio information.

[0072] Furthermore, the reference portfolio information displayed together with the target portfolio information may be a portfolio of a registered user that satisfies a predetermined condition. Such conditions include, for example, that the valuation profit and loss is higher than that of the target user, and that the valuation profit and loss is lower than that of the target user. In this case, two pieces of reference portfolio information are displayed as the target portfolio information. Among them, the first reference portfolio information is reference portfolio information corresponding to a registered user whose valuation profit and loss is lower than that of the target user. The second reference portfolio information is reference portfolio information of a registered user whose valuation profit and loss is higher than that of the target user.

[0073] Another example is that the amount of valuation profit and loss must be ranked in the top 20% among registered users. Another example is that the amount of valuation profit and loss must exceed the expected return of the company. Here, the expected return may be input by the target user in the user device 20, or a reference value of the expected return may be used, the reference value being preset in the storage unit 110. The conditions can be set arbitrarily. Therefore, it is possible to display reference portfolio information of registered users that the target user is to pay attention to.

[0074] As a seventh modified example, the evaluation value determination unit may determine the evaluation value of the target user based on the expected return of the company. For example, the evaluation value determination unit may set the expected return to plus or minus 0.3% as evaluation value 3, a value 0.6% higher than the upper limit as evaluation value 4, and anything higher than that as evaluation value 5. The evaluation value determination unit may also set the value 0.6% lower than the lower limit of evaluation value 3 as evaluation value 2, and anything lower than that as evaluation value 1.

[0075] As an eighth modified example, in this embodiment, the output processing unit 106 displays text information and a pie chart as the target portfolio information and the reference portfolio information on the comparison screen, but is not limited to this. The target portfolio information and the reference portfolio information may be information for displaying the investment products and their ratios of the target user and the registered user, respectively. For example, the target portfolio information may be a bar graph with the type of investment product of the target user on the horizontal axis and the ratio of the investment products on the vertical axis, and the reference portfolio information may also be a bar graph.

[0076] As a ninth modified example, in the initial stage of pension management in the pension management server device 10, a sufficient number of transaction information for determining the evaluation value of the target user is not stored in the registered user DB 50. Therefore, the storage unit 110 may store a distribution of benchmark yield data as a benchmark distribution, and the evaluation value determination unit 103 may determine the evaluation value of the target user using this benchmark distribution as a benchmark instead of the distribution of the valuation profit and loss rate of the registered users.

[0077] As a tenth modification, the transaction information stored in the registered user DB 50 may include the risk tolerance of the registered user. Here, the risk tolerance is assumed to be obtained by a user's input to the user device 20. As 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 the horizontal axis representing the amount of unrealized profit and loss and the vertical axis representing the risk tolerance, and classifies the registered users into a number of groups based on the distribution of the registered users. The output processing unit 106 may then create reference portfolio information for each group from the trading 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 a number of groups, such as the reference portfolio information for a group with a risk tolerance similar to that of the target user.

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

[0080] As a twelfth modified example, the extraction unit 102 may further extract the premium amount, the redemption amount, etc. from the transaction report image. The evaluation value determination unit 103 may then calculate the yield of the target user based on this information. The calculation of the yield may further take into account the total subscriber period. The total subscriber period is, for example, input in response to a user operation 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 the present embodiment configured as described above, the extraction unit 102 extracts the investment amount and the valuation profit and loss amount from the captured image of the transaction report of the defined contribution pension of the target user to be processed, the evaluation value determination unit 103 determines the evaluation value of the transaction of the target user based on the valuation profit and loss rate of each of the multiple registered users stored in the storage unit 110 and the investment amount and the valuation profit and 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, the evaluation value regarding the transaction status of the target user is automatically output from the captured image of the transaction report, so that the target user (subscriber of the defined contribution pension) can more easily check the evaluation value. In other words, the user can easily be involved in the management of the defined contribution pension.

[0082] According to the pension management system, program, and pension management method of the present embodiment, the defined contribution pension is a corporate defined contribution pension, and the evaluation value determination unit 103 may determine the evaluation value based on the amount of valuation profit and loss, the investment amount, and the expected return by the company. This makes it possible to provide the user with an evaluation value based on the expected return.

[0083] According to the pension management system, program, and pension management method of the present embodiment, the extraction unit 102 may store the investment amount and valuation profit and loss amount of the target user as registered user information, or the valuation profit and loss rate of the target user as registered user information, in the storage unit in association with the identification information of the registered user. This makes it possible to increase the information of the registered user and present a more reliable valuation value.

[0084] Moreover, according to the pension management system, program, and pension management method of the present embodiment, the extraction unit 102 may further extract the type of investment product and the ratio of the investment product from the captured image, the storage unit 110 may further store the type of investment product and the ratio of the investment product of the registered user, and the output processing unit 106 may display on the display unit 240 target portfolio information indicating the type of investment product and the ratio of the investment product extracted by the extraction unit 102, and reference portfolio information indicating the type of investment product and the ratio of the investment product of each of the multiple registered users stored in the storage unit 110. This allows the target user to compare the portfolio of the registered user with his or her own portfolio.

[0085] According to the pension management system, program, and pension management method of the present embodiment, the target portfolio information and the reference portfolio information may be information showing the types of investment products and the ratios of the investment products in a graph, which makes it easier to compare the portfolio of the target user with the portfolios of registered users.

[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 ratios of investment products of registered users who satisfy a predetermined condition among a plurality of registered users stored in the storage unit 110. Since this condition can be set arbitrarily, it is possible to present the portfolios of registered users who are particularly desired to be noticed.

[0087] In addition, according to the pension management system, program, and pension management method of the present embodiment, the defined contribution pension plan may be a corporate defined contribution pension plan, and the condition may be that the valuation profit and loss rate is equal to or greater than the expected yield. This makes it possible to present the portfolios of registered users whose valuation profit and loss amount is equal to or greater than the expected yield.

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

[0089] Moreover, according to the pension management system, program, and pension management method of this embodiment, the storage unit 110 further stores the risk tolerance of each registered user, and the output processing unit 106 may classify the registered users into a plurality of groups based on the valuation profit and loss rate and the 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] According to the pension management system, program, and 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 planned retirement allowance of the target user based on the age of the target user, the amount of unrealized profit and loss, and the investment amount, and the output processing unit 106 may output the planned retirement allowance. This allows the target user to check the planned retirement allowance with a simple operation.

[0091] Furthermore, according to the pension management system, program, and pension management method of this embodiment, the storage unit 110 may store information on each of a plurality of transaction reports issued to the same registered user as history, and the output processing unit 106 may output the history. This allows the user to check changes over time, such as the transition of unrealized profit and loss.

[0092] 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 an account number from a captured image, and when a portfolio change instruction is received in response to a user operation, displays a procedure site and inputs the account number into an input field on the procedure site. This makes it possible to assist the user's operation for portfolio change.

[0093] According to the pension management system, program, and method of the present embodiment, the procedure assistance unit may display a portfolio change screen for receiving the portfolio change instruction, and may display the portfolio of the registered user designated by the user as the portfolio after the change on the portfolio change screen. This makes it possible to assist the user's operations for portfolio change. [Explanation of symbols]

[0094] 1. Pension Management System 10 Pension management server device 20 User device 40 Transaction Report Images 50 Registered User DB 60 Evaluation screen 70 Comparison screen 100 Control section 101 Acquisition Department 102 Extraction part 103 Evaluation value determination unit 104 Retirement Benefits Prediction Department 105 Procedural Support Division 106 Output Processing Section 110 Storage section 120 Communications Department 200 Control section 210 Storage section 220 Communications Department 230 Operation section 240 Display section 250 Photography Department

Claims

1. An extraction unit that extracts an investment amount and an unrealized profit and loss amount from a captured image of a transaction report of a defined contribution pension plan of a target user to be processed; an evaluation value determination unit that calculates an evaluation profit and loss ratio based on the investment amount and the evaluation profit and loss amount of the target user, and determines an evaluation value of the transaction of the target user based on a position of the evaluation profit and loss ratio of the target user in a distribution of the evaluation profit and loss ratios of each of a plurality of registered users stored in a storage unit; an output processing unit that outputs the evaluation value from an output unit; A pension management system comprising:

2. A defined contribution pension is a corporate defined contribution pension. The pension management system according to claim 1 , wherein the evaluation value determination unit determines the evaluation value based on the valuation profit and loss rate of the target user and an expected return by a company.

3. The pension management system of claim 1, wherein the extraction unit stores in the memory unit the investment amount and the valuation profit and loss amount of the target user as information of the registered user, or the valuation profit and loss rate of the target user as information of the registered user, in correspondence with identification information of the registered user.

4. The extraction unit further extracts a type of investment product and a ratio of the investment product from the captured image, The storage unit further stores the type of the investment product and the ratio of the investment product of the registered user, The pension management system of claim 1, wherein the output processing unit causes a display unit to display target portfolio information indicating the types of investment products and the ratios of the investment products extracted by the extraction unit, and reference portfolio information indicating the types of investment products and the ratios of the investment products for each of a plurality of registered users, which is stored in the memory unit.

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

6. The pension management system of claim 4, wherein the reference portfolio information is information indicating the types of investment products and the ratio of investment products of registered users who meet specified conditions among a plurality of registered users stored in the memory unit.

7. A defined contribution pension is a corporate defined contribution pension. The pension management system according to claim 6, wherein the condition is that the valuation profit and loss rate is equal to or greater than the expected return.

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

9. The storage unit further stores a risk tolerance of each of the registered users, The pension management system of claim 4, wherein the output processing unit classifies the registered users into a plurality of groups based on the valuation profit and 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 an investment amount from the captured image, The system further includes a retirement allowance prediction unit that predicts a planned retirement allowance amount of the target user based on the age of the target user, the valuation profit and loss amount, and the investment amount, The pension management system according to claim 1 , wherein the output processing unit outputs the planned amount of the retirement benefit.

11. The storage unit stores information on each of a plurality of transaction reports issued to a single registered user as a history, The pension management system according to claim 1 , wherein the output processing unit outputs the history.

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

13. The pension management system of claim 12, wherein the procedure support unit displays a portfolio change screen that accepts the portfolio change instruction, and displays the portfolio of a registered user specified by the user as the changed portfolio on the portfolio change screen.

14. A program for causing a computer to function as an extraction unit, an evaluation value determination unit, and an output processing unit, The extraction unit extracts an investment amount and an unrealized profit and loss amount from a captured image of a transaction report of a defined contribution pension plan of a target user to be processed, the evaluation value determination unit calculates an evaluation profit / loss ratio based on the investment amount and the amount of the evaluation profit / loss of the target user, and determines an evaluation value of the transaction of the target user based on a position of the evaluation profit / loss ratio of the target user relative to a distribution of the evaluation profit / loss ratios of each of a plurality of registered users stored in a storage unit; The output processing unit outputs the evaluation value from an output unit.

15. A pension management method carried out by a computer having a control unit, comprising: The control unit extracts an investment amount and an unrealized profit and loss amount from a captured image of a transaction report of the defined contribution pension plan of the target user to be processed; the control unit calculates an evaluation profit and loss ratio based on the investment amount and the evaluation profit and loss amount of the target user, and determines an evaluation value of the transaction of the target user based on the position of the evaluation profit and loss ratio of the target user relative to the distribution of the evaluation profit and loss ratios of each of a plurality of registered users stored in a storage unit; a step of causing the control unit to output the evaluation value from an output unit; and how to manage pensions.

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