JP6285181B2 - Amount calculation device and amount calculation method - Google Patents

Description

  The present invention relates to a monetary amount calculation apparatus in a fund payment system.

  For example, Patent Literature 1 proposes an asset management support system that calculates necessary expenses such as living expenses from life expectancy.

JP 2002-366671 A

  However, it only calculates the amount of money necessary to live, and it is impossible to calculate the relationship between the money deposited by the depositor and the money that is regularly paid based on the deposited money.

  Accordingly, an object of the present invention is to provide an amount calculation apparatus that shows a relationship between a deposit amount of a depositor and an amount that is regularly paid in accordance with the deposit amount.

Amount calculation device in a fund payment system according to the present invention that pays a benefit amount to a depositor's account every predetermined period until each depositor dies based on a deposit amount deposited by a plurality of depositors Is a recording device that records life expectancy information about age and gender life expectancy, an input device that is used to enter the deposit amount, age and gender of the depositor, and the age and gender of the depository out of the average life expectancy. A control device that calculates the benefit amount by period obtained by dividing the deposit amount of the depositor by the number of divisions corresponding to the specified period, and outputs the benefit amount by period as the benefit amount, or, in the period amount of benefits, it outputs the actual period benefit amount is one of a predetermined amount of money discounted at a discount rate or amount of period benefit amount obtained by subtracting a predetermined discount amount And a that output device.

  As a result, based on the deposit amount deposited by multiple depositors, funds to pay the benefit amount according to the actual period to the depositor's account for each interval period (predetermined period) until each depositor dies In the payment system, the depositor can know the amount to be paid for each interval period (benefits for each actual period) when depositing the deposit amount.

  In the fund payment system, if the depositor lives longer than the life expectancy corresponding to the age and gender of the depositor, the total amount of benefits paid by the actual period paid every interval period is May exceed the amount of deposits.

  However, if there are multiple depositors of the same age, if there are a large number of depositors, the average value of the actual life expectancy of each depositor is the depositor's life span corresponding to the age and sex of the depositor in the life expectancy information. The possibility of approaching is high. For this reason, as a whole, it is unlikely that the total sum of the benefits for each actual period paid to all depositors for each interval period will exceed the total sum of deposit amounts e of all depositors.

  Preferably, the recording device is provided in the server, and the input device, the control device, and the output device are provided in a client that can communicate with the server via the network, and a deposit indicating that the deposit amount has been confirmed by the depositor. The confirmation information is input through the input device of the client logged in using a predetermined ID or password, and the client control device or server control device logged in using the predetermined ID or password After the confirmation information is input via the input device, the bank information of the financial institution via the network is sent to the depositor's account with the instruction information for paying the benefit amount by period or the benefit amount by actual period corresponding to the deposit amount. Send it to the reception computer.

  More preferably, the instruction information transmitted to the network banking reception computer includes an ID or password for logging on to the network banking reception computer, the depositor's account number, a period-specific benefit amount corresponding to the depositor's deposit amount, or This includes the amount of benefits for each period and is sent in accordance with the procedure for remittance on the computer for accepting online banking.

  Thereby, the transfer procedure can be automatically performed except for operations such as the second recitation number that change every time the procedure is performed and cannot be input without the manual operation of the input person.

  More preferably, the instruction information is transmitted every second period shorter than a predetermined period for operation confirmation.

  In order to confirm whether or not the transfer procedure procedure can be proceeded at a frequency shorter than the interval period (every second period), it is possible to secure time for correction until the next payment time.

  In addition, since the transfer procedure using net banking involves operations that can only be entered by the input person, such as entering the second recitation number, the transfer procedure is completed and money is actually transferred. There is no end to it.

  Preferably, the recording device is provided in a server of a financial institution, and the input device, the control device, and the output device are provided in a client that can communicate with the server via a network, and the deposit amount is confirmed by the depositor. The payment confirmation information indicating that it has been entered is input via the input device of the client logged in using a predetermined ID or password, and the control device or server of the client logged in using the predetermined ID or password. After inputting the payment confirmation information via the input device, the control device sends the instruction information for paying the deposit amount to the depositor's account for the payment amount by period or the payment amount by actual period corresponding to the deposit amount. Send to device.

  Preferably, the recording device is provided in a server, the output device has a printer, and the input device, the control device, and the output device are provided in a client that can communicate with the server via a network. The receipt confirmation information indicating that the deposit amount has been confirmed is entered through the input device of the client logged in using a predetermined ID and password, and the client logged in using the predetermined ID and password. The control device of the server or the control device of the server is used for transferring the payment amount by period or the benefit amount by actual period corresponding to the deposit amount to the depositor's account after inputting the payment confirmation information via the input device. Match the instruction information with the writing position of the transfer form of the financial institution that performs the transfer procedure, and use a predetermined ID and password. The instruction information that is output using the printer of the client that logged in and the printer output is the account number and account name of the financial institution that pays the benefit amount by period corresponding to the deposit amount or the benefit amount by actual period, and payment Includes the account number of the receiving financial institution.

  As a result, it is possible to automatically fill in the transfer paper, except for operations that require manual input such as stamping a seal.

  Preferably, the recording device records the mortality rate information regarding the mortality rate by age and gender, and the input device is an average value of the deposit amount of the plurality of depositors and an average of the benefit amount of the plurality of depositors. Value, used to enter the number of depositors, and the output device uses the same gender and age based on the average deposit amount, the average benefit amount, the number of depositors, and mortality information. Deposits are made so that the depositor is the number of depositors and the average value of the deposit amount, and using the money collected by the deposit, the payment of the benefit amount is made so that it becomes the average value of the benefit amount to the depositor When it is done, the transition of the amount collected by deposit is output.

  By inputting the average deposit amount, the number of depositors, etc., it becomes possible to simulate the transition of deposit assets.

  Preferably, the life expectancy information recorded in the recording device is updated by using information disclosed on the Internet every first period or based on a user instruction via the input device. .

  By calculating using the latest life expectancy information, it becomes possible to calculate the amount of benefit with high precision (balance between depositary and manager).

  Also, preferably, when the depositor deposits the deposit amount in a plurality of times, the input device also inputs the deposit amount of the depositor and the age at the time of deposit for each of the plurality of deposits. The control device used was obtained by dividing the deposit amount of the depositor by the number of divisions of the life expectancy corresponding to the age at deposit and the sex of the depositor for a predetermined period The benefit amount for each period is calculated for each of a plurality of deposits, and the output device outputs the benefit amount for each period calculated for each of the plurality of deposits, or the sum of the benefit amounts for each actual period.

According to the present invention, at least one of the depositors belonging to a group or a group every predetermined period until all of the depositors in each group die based on the deposit amount deposited in a group unit of a plurality of depositors. The amount calculation device in the fund payment system that pays the benefit amount to one account is used to input the life expectancy information about life expectancy by age and gender, and the deposit amount, age and gender of the depositor. Of the life expectancy of the depository and the longest of the average life expectancy of the depositors belonging to the group. A control device that calculates the benefit amount by period obtained by dividing the deposit amount, and outputs the benefit amount by period as the benefit amount. Includes the Period amount of benefits, the amount was discounted at a predetermined discount rate or from Period benefit amount and output device for outputting an actual Period benefit amount is one of the amount obtained by subtracting a predetermined discount amount .

  Preferably, after one of the depositors belonging to the group has died, the output amount for the period or for the actual period is reduced by a certain percentage or reduced by a certain amount. Or, it is output as the amount of benefits by actual period.

Amount calculation device in a fund payment system according to the present invention that pays a benefit amount to a depositor's account every predetermined period until each depositor dies based on a deposit amount deposited by a plurality of depositors Is a recording device that records life expectancy information for age and gender life expectancy, and the age and gender of the depositary, and the amount of benefit, the benefit amount by period or the benefit amount by period at a specified discount rate. The input device used to enter the discounted amount or the benefit amount by the actual period, which is either the discounted amount or the amount obtained by subtracting the prescribed discount amount from the period-specific benefit amount, and the age of the depositor in the average life expectancy A control device that calculates the amount of deposits obtained by multiplying the amount of benefits divided by period by the number of categories that correspond to gender by a predetermined period, and outputs the calculated amount of deposits And an output device.

  As described above, according to the present invention, it is possible to provide an amount calculation apparatus that shows the relationship between the deposit amount of a depositor and the amount that is regularly paid in accordance with the deposit amount.

It is a block diagram of the amount calculation apparatus in the money payment system in this embodiment. It is a block diagram of a client. It is a figure which shows the example of a login screen (authentication information input screen). It is a figure which shows the example of the menu screen after the users other than an administrator log in. It is a figure which shows the example of the menu screen after an administrator logs in. It is a figure which shows the example of the 1st screen before 1st information is input. It is a figure which shows the example of the 1st screen after 1st information is input. It is a figure which shows the example of the 2nd screen before 2nd information is input. It is a figure which shows the example of the 2nd screen after 2nd information is input. It is a figure which shows the example of a calculation result screen. It is a figure which shows what can be switched to the 1st management screen display and the 2nd management screen display by the example of the menu screen after an administrator logs in. It is a figure which shows the example of a 1st management screen. It is a figure which shows the example of the 2nd management screen before conditions input. It is a figure which shows the example of the 2nd management screen which input conditions and contains a calculation result. It is a figure which shows the example of a calculation result screen when the amount of payment according to real period changes in steps. It is a figure which shows the example of the calculation result screen in the case of depositing in multiple times (2 times). It is a figure which shows the example of the calculation result screen with respect to the group to which the depositor of two or more names (two names) belong. It is a figure which shows the example which displayed the amount of benefit payment according to the compressed actual period after one depositor's death was displayed on the calculation result screen with respect to the group to which a plurality of (two) depositors belong.

  Hereinafter, the present embodiment will be described with reference to the drawings. The amount calculation apparatus 1 in this embodiment includes a plurality of clients CP1 to CP5 and a server X (see FIG. 1). Amount calculation device 1 is based on a deposit amount deposited by a plurality of depositors, and in a fund payment system that pays a benefit amount to a depositor every predetermined period until each depositor dies. Used to calculate the amount of benefits and to calculate the amount of deposits from the amount of benefits. The number of clients is an example and is not limited to five.

  The money amount calculation device 1 uses the client CP1 to CP5 to access and log in to the server X using each of the clients CP1, CP5, and the money amount calculation operation (benefit amount calculation operation or This is a system for executing a deposit amount calculation operation.

  Each of the clients CP1 to CP5 includes an input device 11 such as a keyboard, a pointing device, a camera and a microphone, a control device 12 such as a CPU, a communication device 13 for performing network connection (connection via the Internet network), a display device, A computer (including a portable information terminal) having an output device 14 such as a speaker or a printer (see FIG. 2).

  The server X records the first information (administrator information, life expectancy information Inf1, age-related life expectancy for each gender, discount rate a, discount amount b, addition period c, interval period d) used for fund calculation. An ASP (Application Service Provider) server capable of network connection, which includes a recording device in which the software of the money amount calculation device 1 is installed, and a control device such as a CPU that executes the software. The clients CP1 to CP5 use the browser software to access the server X and operate the software of the money amount calculation apparatus 1 installed in the server X. The software includes a transfer procedure program which will be described later.

  The recording device of the server X preferably includes an ID, a password, and a user name for each user as user information. However, it is also possible to open the fund calculation using the monetary amount calculation apparatus 1 in general and allow the user who does not have an ID or the like to freely access the server X and utilize the monetary amount calculation apparatus 1. Even in this case, it is desirable that the setting of the first information used for the fund calculation is limited to a case where the first information is operated through the client input device 11 logged in using a specific ID or password.

  When the user inputs a specific URL and accesses the server X using one of the clients CP1 to CP5, a login screen (authentication information input screen) is displayed (see FIG. 3). When an ID or password is entered on the login screen, the user is logged in to the money amount calculation apparatus 1 and a menu screen after login is displayed (see FIG. 4).

  Server X records in the recording device that a specific user among the users is an administrator, and when logged in using the administrator's ID and password, it calculates the funds on the menu screen after logging in. In addition to selecting an operation for the purpose, the operation for setting the first information used in the fund calculation is made selectable (see FIG. 5).

  When the first information setting operation link ("2. First information setting (administrator only)" in FIG. 5) is clicked on the menu screen after login using the administrator ID and password, the server X First screen display (see FIGS. 6 and 7) for setting the first information is performed.

  In the first screen display, parameters used in fund calculation, such as life expectancy information Inf1, age discount rate a, and addition period c regarding life expectancy for each age and gender, an administrator ID and password are input to the input device 11 of the client. Is displayed in a modifiable state.

  The life expectancy information Inf1 regarding the life expectancy for each age and gender may be set via the input device 11 of the client to which the administrator has logged in, or the server X may be in the first period t1 (for example, 6 Every month) or based on instructions via the input device 11 of the client logged in by the administrator, information disclosed on the Internet such as data published by the Ministry of Health, Labor and Welfare may be acquired and updated. . By calculating using the latest life expectancy information Inf1, it becomes possible to calculate the amount of benefit with high accuracy (with a balance between the depository and the manager).

  In FIG. 6 and FIG. 7 of the present embodiment, the “average life expectancy automatic acquisition key” is provided on the first screen, and the “average life expectancy automatic acquisition key” is clicked via the input device 11 of the client logged in by the administrator. In this case, the server X acquires information disclosed on the web page at a predetermined address and updates the life expectancy information Inf1 related to the life expectancy.

  FIG. 7 of this embodiment shows a state in which life expectancy information Inf1, life discount information a, and addition period c related to life expectancy are input.

  In FIG. 7, life expectancy information Inf1 relating to life expectancy shows a form in which life expectancy is set at 40 years old, 45 years old,..., 5 years old, but 40 years old, 41 years old,. The life expectancy may be set for each. In this embodiment, the value of the average life expectancy at other ages is calculated from the value of the average life expectancy set at the age of five by proportional calculation or the like.

  The discount rate a is a ratio for calculating a benefit amount k by actual period by multiplying the benefit amount by period j, which will be described later, by the difference from the number 1: (1-a), and is greater than 0% and greater than 100% A numerical value less than (in FIG. 7, 0.10%) is set.

  In place of the discount rate a, the discount amount b for subtracting the benefit amount j for each period and calculating the benefit amount k for each actual period may be set to a value larger than 0 yen. .

  The addition period c is a value to be added to the depositor life expectancy period h corresponding to the age and sex of the depository determined based on the life expectancy information Inf1 regarding the life expectancy, and a numerical value of 0 or more (five months in FIG. 7) Is set.

  On the first screen, an “manager change key” and a “setting key” are provided. When the “manager change key” is clicked via the input device 11 of the client to which the administrator has logged in, a screen display for changing the administrator ID and password is displayed (not shown). When the “setting key” is clicked via the input device 11 of the client to which the administrator has logged in, the first information such as the life expectancy information Inf1 related to the life expectancy input in the table on the first screen is updated, and the menu is updated. Return to screen display.

  These pieces of information are set through the input device 11 of the client to which the administrator has logged in before the user performs fund calculation described later.

Next, the second screen display will be described.
When the operation selection link (“1. Fund calculation” in FIG. 4 or FIG. 5) is clicked on the menu screen after login (see FIG. 4 and FIG. 5), it is necessary for the fund calculation. A second screen display for inputting second information (interval period d, depositary amount e of depositary, depositor's age f, depositor's gender g) is performed (see FIGS. 8 and 9).

  The interval period (predetermined period) d is a time interval in which benefits are paid to the depositor, and is set to the number of months and days (two months in FIG. 9).

  On the second screen, a “calculation key” is provided. When the depositor inputs the second information via the client input device 11 and then clicks on the “calculation key”, the server X Based on the second information input by the depositor and the first information recorded in the recording device of the server X in advance, an amount to be paid to the depositor for each interval period d (benefits k for each actual period) ) And display the calculation result on the display device of the client.

  Specifically, the server X determines, from the life expectancy information Inf1, a depositor life expectancy period h corresponding to the age f and gender g input by the depository, and adds an addition period c to the depositor life expectancy period h.

  The server X calculates the planned benefit number i for the depositor by dividing the sum (h + c) of the depositor life expectancy period h and the addition period c by the interval period d (i = (h + c) ÷ d).

  The server X calculates the benefit amount j for each period by dividing the deposit amount e of the depositor by the scheduled benefit number i (j = e ÷ i).

  The server X calculates the benefit amount k by actual period by multiplying the benefit amount j by period by the difference between 1 and the discount rate a or by subtracting by the discount amount b (k = j × (1− a) or k = j−b).

  Note that the discount calculation process (multiplication using the difference between 1 and discount rate a, or subtraction by discount amount b) is not limited to the form of benefit amount j for each period, but the form of deposit amount e It may be. In this case, the value of the discount rate “a” does not change, but the value of the discount amount “b” is larger than that in the case of performing the payment amount “j” according to the period in accordance with the deposit amount “e”.

The server X displays the calculated benefit amount k for each real period on the display device of the client to which the depositor has logged in (calculation result screen, see FIG. 10).
However, the payment amount by period j may be displayed as the payment amount paid in place of the payment amount k by actual period without considering the discount rate a and the discount amount b.

  In FIG. 10, the age of the depositary f: 50 years old, g: g life expectancy corresponding to male: 31.51 years, discount rate a: 0.10%, addition period c: 5 months, interval period d: 1 month It shows that, under the condition of deposit amount e: 60,000,000 yen, the calculation result of the benefit amount k by actual period is 156,452 yen.

  A “return key” is provided on the calculation result screen, and when the “return key” is clicked via the input device 11 of the client, the screen is returned to the second screen display.

  As a result, based on the deposit amount e deposited by a plurality of depositors, a fund payment system that pays the benefit amount k for each deposit period to the depositor's account for each interval period d until each depositor dies. In this case, when the depositor deposits the deposit amount e, the depositor can know the amount to be paid for each interval period d (benefits k for each actual period).

  In the fund payment system, when the depositor lives longer than the life expectancy corresponding to the age and sex of the depositor, the total sum of the payment amount k for each actual period paid for every interval period d is: There is a possibility of exceeding the deposit amount e of the depositor.

  However, when there are a plurality of depositors of the same age, if there are a large number of depositors, the average value of the actual life expectancy of each depositor is a depositor corresponding to the depositor's age f and gender g in the life expectancy information Inf1. There is a high possibility of approaching the life expectancy period h. For this reason, as a whole, it is unlikely that the total sum of benefit amounts k for each actual period paid to every depositor for each interval period d exceeds the total sum of deposit amounts e of all depositors.

  In the present embodiment, from the amount deposited by the depositor (deposit amount e), an amount (k = j × (1-a) in which the depositor benefits for each predetermined period (benefit amount k by actual period) is calculated. ) = E ÷ i × (1-a)), but in the form (e = i × j = i × k ÷ (1-a)) where the deposit amount e is calculated from the benefit amount k by actual period There may be.

Next, the management screen on the manager side of the fund payment system will be described.
In the menu screen after login using the administrator's ID and password, the server X displays the first management screen for setting the depositor information in addition to the first screen display (see FIGS. 6 and 7). (Refer to FIG. 12) or a second management screen display (see FIG. 13 and FIG. 14) for performing a simulation such as a transition of the amount of money to be paid to the depositor may be used.

  In this case, the menu screen after login using the administrator's ID and password is not limited to the setting operation key, and a first management screen switching link for switching to the first management screen display after clicking ("" in FIG. 11). 3. Depositor information setting (administrator only) ") and second management screen switching link (" 4. Simulation (administrator only) "in FIG. 11) for switching to the second management screen display after clicking (See FIG. 11).

First, the first management screen display (see FIG. 12) will be described.
In the first management screen display, information on the actual depositor who actually deposited the deposit (interval period d, depositor's deposit amount e, depositor's age f, depositor's gender g, actual period benefit amount k, A list of (transfer account information) is displayed as payment confirmation information in an updatable state.

  Information about the actual depositor (payment confirmation information) is set via the input device 11 of the client to which the administrator has logged in, and is recorded in the recording device of the server X.

  The deposit amount e in the first management screen indicates the amount actually deposited by the depositor into the predetermined account.

The value calculated by the same calculation method as the calculation method performed by the above-mentioned 2nd screen display is input into the payment amount k according to real period.
However, instead of the actual benefit amount k, the periodic benefit amount j is displayed on the first management screen, and the periodic benefit amount j is paid to the depositor as the benefit amount for each interval period d. There may be.

  In addition, the benefit amount k by actual period is combined with the benefit amount j by period, and the benefit amount k by actual period, taking into account the discount rate a, etc., only when certain payments are made, such as the first payment, is deposited as the benefit amount. The payment amount may be paid to the depositor, and the other payment amount may be paid to the depositor as the benefit amount by the period-wise benefit amount j not considering the discount rate a or the like.

  By looking at the first management screen, the administrator can confirm information on the actual depositor whose deposit has been deposited.

  Based on information on the actual depositor (payment confirmation information), the server X calculates the payment amount k (or the payment amount j for each period) for each depositor for each deposit period, for each interval period d. Is output from the output device 14 of the client to which the administrator has logged in.

  Specifically, the transfer form of a financial institution performing the transfer procedure is set in the output device (printer) 14 of the client to which the administrator has logged in, and is provided on the first management screen via the input device 11 of the client. When the “print-out key” is clicked, the client control device 12 to which the administrator logs in matches the payment position of the transfer form of the financial institution performing the transfer procedure with the printer, and the benefit amount k ( Alternatively, an operation for printing the transfer amount corresponding to the payment amount j) by period, the account number and account name of the financial institution that performs the transfer, and the account number of the transfer destination account is executed.

  That is, the instruction information for paying the payment amount k (or the payment amount j by period) to the deposit account of the depositor for each interval period d is the benefit by period corresponding to the deposit amount. It includes the account number and account name of the financial institution that pays the amount k (or the payment amount j for each period), and the account number of the financial institution that receives the payment.

  In addition, using the transfer form created by the financial institution, the transfer amount corresponding to the payment amount k per actual period (or the payment amount j per period) may be printed at the writing position of the transfer form. Payment amount k per actual period (or benefit per period) according to the same format as the transfer paper created by financial institutions on the regular print paper and the predetermined writing position in the format (the same position as the writing position of the transfer paper) An operation for printing the transfer amount corresponding to the amount of money j) may be performed.

  As a result, it is possible to automatically fill in the transfer paper, except for operations that require manual input such as stamping a seal.

  In addition, when the “net transfer key” provided on the first management screen is clicked via the input device 11 of the client to which the administrator has logged in, the control device 12 of the client transmits the communication device 13 or the network Access to the bank Y's online banking reception computer Y, and based on the information on the actual depositor (payment confirmation information), input necessary for the transfer procedure via the online banking computer Y (for online banking reception) (Transmission of instruction information for payment to the depository account to the computer Y).

  Specifically, launching a browser, inputting URL information for accessing the internet banking reception computer Y on the browser screen, and inputting ID and password for logging in to the internet banking reception computer of the financial institution Are recorded in advance in the server X or the client recording device, and when the “net transfer key” is clicked, the client control device 12 or the server X control device executes application software such as a macro corresponding to these operations. The transfer procedure program that automatically performs the work on the wearer is executed.

  In the transfer procedure program, after logging in to access the computer Y for accepting net banking, operations including selecting the transfer procedure from various procedures, specifying the financial institution and account number of the transfer destination, and entering the transfer amount are executed. To do.

  However, the operation up to the login operation for accessing the network banking reception computer Y may be performed manually by the administrator via the input device 11 of the client.

  In this case, after logging in for access to the net banking reception computer Y, when the “net transfer key” is clicked, the transfer procedure program executes an input operation related to the transfer procedure.

  Thereby, the transfer procedure can be automatically performed except for operations such as the second recitation number that change every time the procedure is performed and cannot be input without the manual operation of the input person.

  In addition, it is considered that the procedure of the transfer procedure via the computer Y for accepting net banking may be changed for the convenience of the financial institution, and in response to the change, the transfer procedure program corresponding to the “net transfer key” It may be necessary to correct the contents of.

  For this reason, regardless of whether or not the actual transfer procedure is performed, the transfer procedure program is executed every second period t2 (for example, every two weeks) shorter than the interval period d for operation confirmation. If the instruction information for payment to the depositor's account is sent to the computer Y for accepting net banking, and the transfer procedure cannot be carried out in accordance with the instruction information transmission, the output device of the client logged in by the administrator 14 may be used to issue a warning.

  It is possible that the client side cannot understand that the transfer procedure cannot be proceeded and it is impossible to output a warning, but even in such a case, the client's monitor displays that some procedure in net banking has stopped. Therefore, the user (administrator) can visually recognize that the transfer procedure procedure cannot be normally promoted by the current transfer procedure program.

  In order to check whether the transfer procedure program can operate normally (whether the transfer procedure procedure can be advanced) at a frequency shorter than the interval period d (every second period t2), Time to correct contents can be secured.

  In addition, since the transfer procedure using net banking involves operations that can only be entered by the input person, such as entering the second recitation number, the transfer procedure program is executed every second period t2. Even if it is done, until the operation of the program is confirmed, the transfer procedure is completed and no money is actually transferred.

  In addition, when the server X is provided in the financial institution, the client control device 12 or the control device of the server X sends information on the actual depositor (payment confirmation information) to the transfer device of the financial institution connected to the server X. ), After logging in, in response to the click operation of the “net transfer key”, for each depositor, to pay the payment amount k for each real period to the deposit account of the depositor for each interval period d The instruction information may be transmitted, and the transfer apparatus may perform the transfer based on the instruction information.

When the “save key” provided on the first management screen is clicked, the payment confirmation information recorded in the recording device of the server X is updated.
When the “return key” provided on the first management screen is clicked, the menu screen display of FIG. 11 is restored.

Next, the second management screen display (see FIG. 13) will be described.
In the second management screen display, the average deposit amount of the same age and the same age (average value of deposit amount of the same age and depositor), the number of depositors, the average benefit amount (to the same age and same age depositors) When the “Calculation execution key” provided on the second management screen is clicked, these input values and deaths by age and gender are displayed. Assets in custody when depositors of the same gender and age based on the rate deposit the average amount of deposits and use the money collected from the deposits to pay the average benefit amount The transition of (amount collected by deposit) is calculated, and the calculation result is output by the output device 14 of the client to which the administrator has logged in (see FIG. 14).

  The mortality rate information Inf2 regarding the mortality rate by age and sex is recorded in the recording device of the server X, and may be set via the input device 11 of the client to which the administrator has logged in. The server X obtains and updates information disclosed on the Internet, such as data published by the Ministry of Health, Labor and Welfare, every first period t1 or based on an instruction via the input device 11 of the client logged in by the administrator It may be. By performing calculation using the latest mortality rate information Inf2, it is possible to predict the transition of the custody calculation with high accuracy (balance between the depositor and the manager).

  In FIG. 13 and FIG. 14 of this embodiment, an “automatic death rate acquisition key” is provided on the second management screen, and the “automatic death rate acquisition key” is clicked via the input device 11 of the client logged in by the administrator. In this case, the server X acquires the information disclosed on the web page at the predetermined address and updates the mortality rate information Inf2 regarding the mortality rate.

  Since the mortality rate may be improved in the future due to medical progress or the like, as shown in FIG. 13 or FIG. 14, the improvement rate of the mortality rate is obtained via the input device 11 of the client logged in by the administrator. It is also possible to use a form in which changes in custody assets are calculated using the corrected mortality rate using the improvement rate.

  In this embodiment, the improvement rate for the first year (0.10% in FIGS. 13 and 14) is set manually, and the improvement rate for each year is set under the condition that the improvement rate increases at a constant rate every year. Calculate the corrected mortality by subtracting from the mortality.

  Multiply the adjusted mortality rate by the number of depositors to estimate the number of deaths per year by the depository, multiply the remaining number of survivors by the average benefit amount, and pay during the period (payment in that year) To calculate the amount of assets in custody at the end of the period by subtracting the amount of benefits in the period from the total assets in custody.

  Also, taking into account the investment yield (set to 1.00% in FIGS. 13 and 14), the amount obtained by adding the investment yield to the assets under management at the end of the period is calculated as the beginning balance of assets under management in the following year.

  After setting the average deposit amount, the number of depositors, the average benefit amount, the improvement rate of mortality, and the investment yield through the client input device 11, the “calculation” provided on the second management screen is set. When the “execution key” is clicked, the transition of custody assets is calculated and output based on a preset mortality rate.

  By inputting the average deposit amount, the number of depositors, etc., the manager can simulate the transition of deposit assets.

  An average deposit amount, a discount rate a and an addition period c are input via the input device 11 of the client to which the administrator has logged in to calculate an average benefit amount, or an average benefit amount, a discount rate a and an addition period c are input. Thus, the average deposit amount may be calculated.

  The relationship between the average deposit amount and the average benefit amount is expressed by the same calculation formula as the relationship between the deposit amount e and the benefit amount k by actual period.

  In this case, it is possible to confirm the relationship between the average deposit amount and the average benefit amount that is optimal for the manager while changing the discount rate a and the addition period c.

  When the “return key” provided on the second management screen is clicked, the menu screen display of FIG. 11 is restored.

  The second management screen shows a simulation of custody assets when multiple depositors of the same age and the same gender are gathered. In addition, it is combined with simulations of custody assets of depositors of other ages and other taxes, The form of outputting the total of all the custody assets may be used.

  In addition, the deposit object is not limited to money, and part of the deposit is included in assets such as real estate and other assets that are different from money, and the deposit object that differs from money is combined with a form of cashing after the depositor's death. May be.

  Further, in the present embodiment, a recording device in which the first information is recorded and the money amount calculation device 1 software is installed is provided in the server X, and a client connected via a network uses the software. Although the form has been described, the form in which the first information is recorded in the client recording apparatus and the software of the amount calculation apparatus 1 is installed may be used.

  That is, the money amount calculation apparatus 1 in the fund payment system may be configured not only by the server X and the client but also by a single information terminal such as a personal computer.

  In the present embodiment, the discount rate a or the discount amount b is constant and does not change, and the benefit amount k for each actual period is constant for each period. However, depending on the elapsed period from the deposit start time, Alternatively, the discount rate a or the discount amount b may fluctuate (for example, decrease) step by step in accordance with predetermined change conditions (fluctuation interval, change rate or change amount). The predetermined variation condition is set in advance on the first information input screen or the like via the client input device 11. The control device 12 of the client or the control device of the server X uses a discount rate a or a discount amount b that takes into account a predetermined change condition and uses a discount period a (or discount amount b) corresponding to the change condition for each actual period. The amount of benefit k is calculated.

  For example, every year, a predetermined rate of change p (0 <p <1) is added to the discount rate a, and the amount of benefit k by actual period increases as time passes after deposit is considered. It is done. In this case, information on the benefit amount k by actual period calculated in consideration of a predetermined variation condition (variation rate p), such as an amount that is increased in stages (or an amount after the increase) (for example, initial value) Are preferably displayed on the calculation result screen of the client output device 14 (see FIG. 15).

  FIG. 15 shows that the rate of change p is 0.01%, the discount rate a is changed at every change interval (1 year), and the discount rate a is 0 per year with respect to the initial value of 0.10%. An example is shown in which the initial value of benefit amount by actual period: 156,452 yen and the increase per year: 16 yen are displayed when the amount decreases by .01%. By increasing the discount rate a and the fluctuation rate p, the range of the amount of money to be increased (amount of money that fluctuates in stages) increases.

  Alternatively, the deposit amount may be deposited in a plurality of times. In this case, the client input device 11 is also used to input the deposit amount of the depositor and the age at the time of deposit for each of a plurality of deposits on the second information input screen. 12 or the control device of server X calculates a benefit amount j (or benefit amount k per actual period) calculated based on the age of the depositor at the time of each deposit after completing a plurality of deposits, The benefit amount after multiple deposits is displayed on the calculation result screen of the client output device 14 with the sum of the benefit amount j (or benefit amount k by actual period) corresponding to each of the multiple deposits as the benefit amount. Display (see FIG. 16).

  For example, if you make the first deposit (first deposit) at age 50 and you make the second deposit (second deposit) at age 65, the benefit amount based on the first deposit amount e until age 64 After the age of 65, the benefit amount based on the first deposit amount e (benefit amount by actual period k: 156,452 yen) and the benefit amount based on the second deposit amount e (benefit amount by actual period) The total amount (407,206 yen) of k: 250,573 yen is displayed as the benefit amount.

  In addition, in the form of depositors being individual units, the form of calculating the payment amount k by actual period paid to individual unit depositors has been explained, but in the group unit to which multiple depositors such as couples belong, the client's The control device 12 or the control device of the server X may calculate the benefit amount k for each actual period.

  Specifically, based on the deposit amount of an individual unit, a benefit amount (benefit amount by period j or benefit amount k by actual period) is calculated for the individual unit, and this is paid to the account of the individual unit Instead, based on the deposit amount of a group unit to which a plurality of depositors belong, the benefit amount is calculated for the group unit, and this is calculated as an account of the group (or at least one of the depositors belonging to the group). Pay the benefit amount. The age and sex of each depositary belonging to the group are set on the second information input screen or the like via the client input device 11.

  Of life expectancy, corresponding to the age and gender of the depositary, one of the life expectancy of depositors belonging to the group (for example, the longest) is classified by the interval period d (predetermined period) The amount of benefit j for each period obtained by dividing the deposit amount e of the group by the number of divisions calculated, and the amount of benefit k for each actual period corresponding to the amount of benefit j for each period is calculated in the output device 14 of the client The result is displayed on the screen (see FIG. 17).

  In this case, after one of the depositaries belonging to the group has died, the amount of benefit k by actual period (or benefit amount j by period) is reduced by a certain percentage (or reduced by a certain amount). May be a payment amount k for each real period (or a benefit amount j for each period), the amount displayed on the output device 14 of the client, and paid in (see FIG. 18). FIG. 18 shows an example in which after one of the depositaries belonging to the group has died, the amount reduced to two-thirds (a certain percentage) is displayed as the payment amount k for each actual period and payment to the depository is displayed. .

  This makes it possible to know not only the individual unit but also the group unit such as a couple when the deposit amount is deposited, and the amount to be paid for every interval period d.

DESCRIPTION OF SYMBOLS 1 Money amount calculation apparatus in fund payment system 11 Input device of each client 12 Control device of each client 13 Communication device of each client 14 Output device of each client a Discount rate b Discount amount c Addition period CP1 to CP5 Client d Interval period e Deposit Amount f Depository age g Depositary gender h Depositor life expectancy i Expected number of benefits Inf1 Life expectancy information Inf2 Mortality information j Benefit amount by period k Benefit amount by actual period t1, t2 First period, second period X server Y Net banking reception computer

Claims (15)

Based on the deposit amount deposited by a plurality of depositors, until the death of each depositor, an amount calculation device in a fund payment system that pays the benefit amount to the depositor's account every predetermined period ,
An input device that is used to enter the amount and the age and gender custody before Symbol depositor,
Based on life expectancy information for age and gender life expectancy, the deposit amount of the depository is divided by the number of divisions of the life expectancy corresponding to the age and sex of the depositor divided by the predetermined period. A control device for calculating the benefit amount for each period obtained by
In the case where the depositor deposits the deposit amount in a plurality of times, for each depositor, as the benefit amount , the sum of the benefit amounts by period and corresponding to the plurality of deposits is calculated. Either one of the information on the deposit amount is output on one screen, or the benefit amount by period is discounted at a predetermined discount rate, or the discount amount is subtracted from the benefit amount by period An output device for outputting on a single screen together with information relating to the deposit amount , the benefit amount for each real period and corresponding to the plurality of deposits . Based on the deposit amount deposited by a plurality of depositors, until the death of each depositor, an amount calculation device in a fund payment system that pays the benefit amount to the depositor's account every predetermined period,
A recording device for recording life expectancy information on life expectancy by age and gender;
An input device used to enter the deposit amount, age and gender of the depositor;
A control device for calculating a benefit amount by period obtained by dividing the deposit amount of the depositor by the number of divisions of the average life expectancy corresponding to the age and sex of the depositor divided by the predetermined period When,
As the benefit amount, either the benefit amount by period is output, or the benefit amount by period is discounted at a prescribed discount rate, or the amount by subtracting the prescribed discount amount from the benefit amount by period On the other hand, it has an output device that outputs a certain amount of benefit amount
When the depositary deposits the deposit amount in multiple times,
The input device is also used to input the deposit amount of the depositor and the age at deposit for each of the plurality of deposits,
The control device divides the deposit amount of the depositor by the number of divisions of the life expectancy corresponding to the depositor's age at the time of deposit and the depositor's sex according to the predetermined period. Calculate the amount of benefits obtained by period for each of the multiple deposits,
It said output device, a plurality of times of the Period benefit amount that is calculated for each deposit, or the actual Period amount of benefits features and to Rukin amount computing unit to output the sum of. Based on the amount deposited at the group level of multiple depositors, until all of the depositors in each group die, it will be added to at least one account of the group or depositors belonging to the group every predetermined period An amount calculation device in a fund payment system for paying a benefit amount,
A recording device for recording life expectancy information on life expectancy by age and gender;
An input device used to enter the deposit amount, age and gender of the depositor;
The life expectancy corresponding to the age and gender of the depository among the life expectancy, and the number of divisions obtained by dividing the longest life expectancy of the depositors belonging to the group by the predetermined period, A control device for calculating the benefit amount by period obtained by dividing the deposit amount;
For each group, as the benefit amount, the benefit amount by period is output on a single screen together with information on the deposit amount , or the benefit amount by period is discounted at a predetermined discount rate, or the period amount calculation apparatus characterized by obtaining Bei and an output device for outputting an actual period benefit amount is one of amounts from another benefit amount obtained by subtracting a predetermined discount amount to one screen with information about the deposit amount the . The output device, after the death of one of the depositors belonging to the group, the benefit amount by period or the benefit amount by actual period is reduced by a certain percentage or reduced by a certain amount, The amount calculation apparatus according to claim 3, wherein the amount is output as a payment amount or a payment amount for each actual period . Based on the deposit amount deposited by a plurality of depositors, until the death of each depositor, an amount calculation device in a fund payment system that pays the benefit amount to the depositor's account every predetermined period,
A recording device for recording life expectancy information on life expectancy by age and gender;
An input device used to enter the deposit amount, age and gender of the depositor;
A control device for calculating a benefit amount by period obtained by dividing the deposit amount of the depositor by the number of divisions of the average life expectancy corresponding to the age and sex of the depositor divided by the predetermined period When,
As the benefit amount, either the benefit amount by period is output, or the benefit amount by period is discounted at a prescribed discount rate, or the amount by subtracting the prescribed discount amount from the benefit amount by period On the other hand, it has an output device that outputs a certain amount of benefit amount
The recording device records mortality information on mortality by age and sex,
The input device is used to input an average value of deposit amounts of the plurality of depositors, an average value of benefit amounts to the plurality of depositors, and the number of depositors,
Based on the average value of the deposit amount, the average value of the benefit amount, the number of depositors, and the mortality rate information, the output device is configured so that depositors of the same gender and age are the number of depositors. In the case where the deposit is made so as to be the average value of the deposit amount, and the payment of the benefit amount is performed so as to be the average value of the benefit amount to the depositor using the money collected by the deposit A money amount calculation apparatus that outputs a transition of money amount collected by the deposit . The life expectancy information recorded in the recording device is updated using information disclosed on the Internet every first period or based on a user instruction via the input device. The amount calculation apparatus according to any one of claims 2 to 5 , characterized in that The recording device is provided in a server,
The input device, the control device, and the output device are provided in a client that can communicate with the server via a network,
Payment confirmation information indicating that the deposit amount has been confirmed from the depositor is input via the input device of the client who has logged in using a predetermined ID or password among the clients,
The control device of the client or the control device of the server that has logged in using the predetermined ID or password, after inputting the payment confirmation information via the input device, the benefit amount or actual amount for each period corresponding to the deposit amount. Sending instruction information for paying period-specific benefits to the depositor's account to a computer for accepting internet banking at a financial institution via the network,
The instruction information transmitted to the net banking reception computer includes an ID and a password for logging in to the net banking reception computer, an account number of the depositor, and a period-specific benefit corresponding to the deposit amount of the depositor. Including the amount of money or the amount of benefits by actual period, which is sent in accordance with the procedure of the remittance procedure on the computer for accepting net banking,
For operation confirmation, transmission of the instruction information is performed every second period shorter than the predetermined period,
The said output device warns when the procedure of the said remittance procedure cannot be advanced according to transmission of the said instruction information for every said 2nd period, The warning is any one of Claims 2-6 A price calculator. The predetermined discount rate fluctuates in a step-wise manner,
The output device according to any one of claims 1 to 7, wherein also be output from the information on the actual Period benefit amounts vary based on the predetermined discount rate varying said stepwise Amount calculator. The predetermined discount amount fluctuates in a step-wise manner,
8. The output device according to claim 1, wherein the output device outputs information related to the benefit amount for each real period that varies based on the predetermined discount amount that varies in stages. Amount calculation device. The recording device is provided in a server of a financial institution,
The input device, the control device, and the output device are provided in a client that can communicate with the server via a network,
Payment confirmation information indicating that the deposit amount has been confirmed from the depositor is input via the input device of the client who has logged in using a predetermined ID or password among the clients,
The control device of the client or the control device of the server that has logged in using the predetermined ID or password, after inputting the payment confirmation information via the input device, the benefit amount or actual amount for each period corresponding to the deposit amount. The amount calculation device according to any one of claims 2 to 7, wherein the instruction information for paying the payment amount for each period to the depositor's account is transmitted to the transfer device of the financial institution. . The recording device is provided in a server,
The output device has a printer,
The input device, the control device, and the output device are provided in a client that can communicate with the server via a network,
Payment confirmation information indicating that the deposit amount has been confirmed from the depositor is input via the input device of the client who has logged in using a predetermined ID or password among the clients,
The control device of the client or the control device of the server that has logged in using the predetermined ID or password, after inputting the payment confirmation information via the input device, the benefit amount or actual amount for each period corresponding to the deposit amount. Log in using the predetermined ID and password by matching the payment amount for each period, the instruction information for transferring the deposit to the depositor's account, and the writing position of the transfer form of the financial institution performing the transfer procedure Output using the printer of the selected client,
The instruction information output by the printer includes the account number and account name of a financial institution that pays the benefit amount by period or the benefit amount by actual period corresponding to the deposit amount, and the account number of the financial institution that receives the payment. amount calculation device according to any one of claims 7 to claim 2, characterized in that it comprises. Based on the amount deposited at the group level of multiple depositors, until all of the depositors in each group die, it will be added to at least one account of the group or depositors belonging to the group every predetermined period An amount calculation device in a fund payment system for paying a benefit amount ,
Before Symbol depositor of age and gender, and, as the amount of benefits, period-specific benefit amount of money, or, in the period by benefit amount of money, the amount was discounted at a predetermined discount rate, or a predetermined discount amount from the period-specific amount of benefits An input device used to enter the benefit amount by actual period, which is one of the amounts subtracted from
A counterpart to the depositor age and sex of the life expectancy of age and sex, the number of segments obtained by dividing by the predetermined period longest among the life expectancy of the depositor's belonging to the group A control device for calculating a deposit amount obtained by multiplying the benefit amount by period;
An amount calculation apparatus comprising: an output device that outputs the calculated deposit amount together with information on the benefit amount on a single screen for each group . Based on the deposit amount deposited by a plurality of depositors, until the death of each depositor, an amount calculation method in a fund payment system that pays the benefit amount to the depositor's account every predetermined period,
An input step in which the deposit amount, age and gender of the depositor are input via an input device;
Based on the life expectancy information about the life expectancy of age and sex, the control device is the number of divisions of the life expectancy corresponding to the age and sex of the depositor divided by the predetermined period, A calculation step for calculating a benefit amount by period obtained by dividing the deposit amount;
In the case where the depositor deposits the deposit amount in a plurality of times, for each depositor, the output device corresponds to the plurality of deposits as the benefit amount, which is the benefit amount for each period. Output the total value of goods together with information on the amount of deposit on one screen, or the amount of benefits discounted by a predetermined discount rate to the amount of benefits by period, or the amount by subtracting the prescribed discount amount from the amount of benefit by period An output step of outputting on a single screen a sum of values corresponding to the plurality of deposits together with information relating to the deposit amount. Method. Based on the deposit amount deposited by a plurality of depositors, until the death of each depositor, an amount calculation method in a fund payment system that pays the benefit amount to the depositor's account every predetermined period,
An input step in which the deposit amount, age and gender of the depositor are input via an input device;
Based on the life expectancy information about the life expectancy of age and sex, the control device is the number of divisions of the life expectancy corresponding to the age and sex of the depositor divided by the predetermined period, A calculation step for calculating a benefit amount by period obtained by dividing the deposit amount;
For each depositor, the output device outputs, as the benefit amount, the benefit amount by period together with information on the deposit amount on one screen, or discounted to the benefit amount by period at a predetermined discount rate A first output step of outputting on a single screen a benefit amount by actual period, which is either an amount or an amount obtained by subtracting a predetermined discount amount from the benefit amount by period, together with information relating to the deposit amount ;
The output device has the same gender based on the average value of the deposit amount of the plurality of depositors, the average value of the benefit amount, the number of depositors, and the mortality rate information regarding the mortality rate by age and sex. In the same age, deposits are made so that the number of depositors is equal to the average value of the deposit amount, and using the money collected by the deposit, the average value of the benefit amount to the depositor is obtained. An amount calculation method comprising: a second output step of outputting a transition of the amount collected by the deposit when the payment amount is paid as described above . Based on the deposit amount deposited in the group unit of multiple depositors, the benefit amount is added to the group or the depository account belonging to the group for each predetermined period until all depositors in each group die. An amount calculation method in a payment system for payment,
An input step in which the deposit amount, age and gender of the depositor are input via an input device;
The control device corresponds to the age and sex of the depositary of the average life expectancy based on the life expectancy information about the life expectancy by age and gender, and among the average life expectancy of the depositors belonging to the group A calculation step of calculating a period-specific benefit amount obtained by dividing the group's deposit amount by the number of divisions of the longest divided by the predetermined period;
For each group, the output device outputs, as the benefit amount, the benefit amount by period together with information on the deposit amount on one screen, or the amount discounted to the benefit amount by period at a predetermined discount rate Or an output step of outputting on a single screen a benefit amount by actual period, which is one of amounts obtained by subtracting a predetermined discount amount from the benefit amount by period, together with information on the deposit amount. Amount calculation method.

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