JP2023013497A - Information processing system, method, and program - Google Patents

Abstract

To achieve remittance from an organization to an account of a fund transfer agent in a prescribed person with a simple system configuration.SOLUTION: An information processing system includes an account association part for associating a second identification code configured by a format on an account of a bank with a first identification code for identifying an account of a fund transfer agent in a user in response to a request to issue an account of a format about the account of the bank corresponding to the account of the fund transfer agent, and a transaction processing part for executing remittance to the account of the fund transfer agent corresponding to the first identification code of the user from a prescribed organization by specifying the first identification code on the basis of the second identification code of the user registered in the prescribed organization in the case of satisfying a prescribed condition about the remittance.SELECTED DRAWING: Figure 2

Description

The present invention relates to an information processing system, method, and program.

When an application for digital money payment of salary (or an application for advance payment of salary, etc.) is received from a worker, based on the worker's attendance report, all or part of the salary will be transferred to the worker's digital money (electronic money card) etc.) is disclosed (Patent Document 1).

JP 2019-79307 A

In the system described in Patent Document 1, when an application for digital money payment of a salary is received from a worker, all or part of the salary is deposited into the worker's digital money, thereby paying the salary to the worker in digital money. is realized. However, in the system described in Patent Document 1, if a company has both a bank and a money transfer company as payees for payroll transfer, it is necessary to design a system that is compatible with the account formats of the bank and the money transfer company, so system development costs are high. I had a problem with the increase.

Therefore, in view of the above problems, it is an object of the present invention to realize a remittance from a predetermined organization to a funds transfer service account of a user with a simple system configuration.

An information processing system according to an aspect of the present invention provides, in response to a request for issuance of an account in a format related to a bank account corresponding to an account of a funds transfer service provider, a first an account association unit that associates an identification code with a second identification code formed in a format related to the account of the bank; a transaction processing unit that, by specifying the first identification code based on the identification code, executes remittance from the predetermined organization to the account of the fund transfer service provider corresponding to the first identification code of the user; Prepare.

A method according to an aspect of the present invention comprises a computer for identifying an account of a funds transfer provider in a user in response to a request to issue an account in the form of a bank account corresponding to an account of the funds transfer provider. Associating the first identification code with a second identification code constructed in the form of a bank account, and the second identification of the user being registered with the predetermined organization when predetermined conditions regarding remittance are satisfied. By specifying the first identification code based on the code, remittance from the predetermined organization to the account of the fund transfer service provider corresponding to the first identification code of the user is executed.

A program according to an aspect of the present invention, in response to a request to cause a computer to issue an account in a format related to a bank account corresponding to an account of a funds transfer service provider, for identifying the account of the funds transfer service provider in a user Associating the first identification code with a second identification code constructed in the form of a bank account, and the second identification of the user being registered with the predetermined organization when predetermined conditions regarding remittance are satisfied. By specifying the first identification code based on the code, remittance from the predetermined organization to the account of the fund transfer service provider corresponding to the first identification code of the user is executed.

ADVANTAGE OF THE INVENTION According to this invention, the remittance from a predetermined organization to the account of the fund transfer company in a user can be implement|achieved by simple system configuration.

It is a figure which shows the structure of a remittance system. It is a figure which shows an example of the outline|summary of the process of a remittance system. It is a figure which shows the structure of account conversion information. It is a figure which shows the structure of salary transfer request information. FIG. 4 is a diagram showing the configuration of format conversion information; It is a figure which shows the structure of transfer account information. It is a figure which shows the structure of account management information. It is a flowchart which shows the processing procedure of a remittance system. It is a figure which shows an example of the hardware constitutions of a computer.

A remittance system 10 according to an embodiment of the present invention will be described in detail below with reference to the drawings. However, the embodiments described below are merely examples, and are not intended to exclude various modifications and application of techniques not explicitly described below. That is, the present invention can be practiced by various modifications or by combining each embodiment without departing from the scope of the invention. In addition, in the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals.

===Overview of Remittance System 10===
<<Configuration>>
The configuration of the remittance system 10 will be described with reference to FIG. FIG. 1 is a diagram showing the configuration of a remittance system 10. As shown in FIG. The remittance system 10 is a system for executing remittance from a predetermined organization to a user's account of a fund transfer service provider. A predetermined organization is, for example, a company, an administrative agency, or the like. Users are, for example, corporate workers, pensioners, insurance beneficiaries, and the like. A funds transfer service provider is, for example, a business operator other than a bank that conducts remittance and settlement, and is a business operator that is authorized based on the Payment Services Act. Remittance includes, for example, bank transfer, postal money order, foreign exchange, etc., and refers to the transfer of money by a method other than cash delivery. Specifically, remittances include remittances of salaries, remuneration payments, retirement allowance payments, expense payments, insurance and dividend payments, loans, rewards, benefits, and refunds from organizations. , including pension benefits. In the following, for the sake of convenience, as an example, the "predetermined organization" will be referred to as "company", the "user" will be referred to as the "worker" of the company, and the "remittance" will be made by the company to the worker's account of the fund transfer service provider. explained as “salary transfer”.

An overview of the configuration of the remittance system 10 will be described with reference to FIG. FIG. 1 is a diagram showing an example of the configuration of a remittance system 10. As shown in FIG. As shown in FIG. 1, the remittance system 10 may include, for example, a remittance management server 100, a salary management server 200, a funds transfer agency server 300, and worker terminals 400. Each of the remittance management server 100, the payroll management server 200, the funds transfer agency server 300, and the worker terminal 400 may transmit and receive various types of information through API (Application Programming Interface) cooperation, for example.

The remittance management server 100 is a device that manages an identification code of a worker's money transfer agency account (hereinafter referred to as a "funds transfer account") in association with an identification code configured in the form of a bank account. The identification code of the funds transfer account is, for example, an identification code including an account number in a format different from that of bank accounts (hereinafter referred to as "funds transfer account number"). The bank account format is, for example, a format compatible with the Zengin format. The Zengin format is, for example, a format defined by the Federation of Japanese Bankers Associations for data transmission using the Zenginkyo standard communication protocol. Hereinafter, for convenience, the identification code configured in the Zengin format will be referred to as a "payroll account number". A payroll account number includes, for example, an identification code such as a bank number, fulcrum number, account number (eg, 1234-567-8901234). The remittance management server 100 manages the fund transfer account number in association with the payroll account number. That is, the remittance management server 100 can convert the funds transfer account number into a payroll account number. As a result, workers can uniformly register an account number conforming to the Zengin format in the payroll management server 200, so that the payroll management server 200 can be realized with a simple system configuration. In addition, the remittance management server 100 converts the Zengin format including information on the salary transfer to the worker, which is transmitted from the salary management server 200, into the format of the money transfer service provider. As a result, the company can unify the format for salary transfer output from the salary management server 200 for salary transfer, so that the salary management server 200 can be realized with a simple system configuration.

The payroll management server 200 is a device that manages information on payroll transfers from companies to workers (hereinafter referred to as “salary transfer information”). The payroll information may include information about the worker's account, information about the amount of the salary. The salary transfer information is, for example, information in a format conforming to the Zengin format.

The fund transfer agency server 300 is a device that manages a user's (here, worker's) fund transfer account. The fund transfer agency server 300 executes processing (hereinafter referred to as “transfer processing”) to transfer the worker's salary to the fund transfer account in response to a request from the remittance management server 100 .

The worker terminal 400 receives, for example, the worker's operation input and registers payroll transfer information in the payroll management server 200 through the browser. The worker terminal 400 receives, for example, the worker's operation input, and requests issuance of a payroll account number to the remittance management server 100 through the funds transfer agency server 300 .

In the above description, the remittance management server 100, the salary management server 200, and the funds transfer agent server 300 are separately provided, but the present invention is not limited to this. The remittance management server 100, the payroll management server 200, and the funds transfer agency server 300 may be composed of one server, or may be a cloud server. Also, the remittance management server 100, the payroll management server 200, and the funds transfer agent server 300 may be composed of a plurality of servers divided for each function. Also, part of the functions of the remittance management server 100 may be provided in the salary management server 200 or the funds transfer agency server 300 . Also, part of the functions of the salary management server 200 may be provided in the remittance management server 100 or the funds transfer agency server 300 .

<<Processing>>
Next, with reference to FIG. 2, an outline of processing of the remittance system 10 will be described. FIG. 2 is a diagram showing an example of an outline of processing of the remittance system 10. As shown in FIG. First, in step S1, the worker terminal 400 accepts the worker's operation input, and requests the remittance management server 100 to issue a payroll account number (hereinafter referred to as "payroll account issue request") through the funds transfer agency server 300. to send. The payroll account issuance request may include an inquiry request to the funds transfer agency server 300 for the worker's funds transfer account number. Note that the worker terminal 400 may directly transmit the payroll account issuance request to the remittance management server 100 . In addition, the salary management server 200 may transmit a payroll account issuance request to the remittance management server 100 to have the worker issue a payroll account.

Next, in step S2, the fund transfer agency server 300 sends the worker's funds transfer account number to the remittance management server 100, along with information about the worker (hereinafter referred to as "worker information"). The remittance management server 100 stores the worker's funds transfer account number in association with the payroll account number newly given to the worker. Next, in step S<b>3 , the remittance management server 100 transmits the payroll account number to the worker terminal 400 through the funds transfer agency server 300 . Note that the remittance management server 100 may directly transmit the payroll account number to the worker terminal 400 . This allows workers to obtain a payroll account number conforming to the Zengin format that corresponds to their funds transfer account number.

Next, in step S4, the worker terminal 400 accepts the worker's operation input and registers a payroll account as a salary transfer account in the salary management server 200 through a browser, for example. Register a payroll account. Next, in step S5, the salary management server 200 sends a salary transfer request (hereinafter referred to as "salary transfer request") to the remittance management server 100 so that the company can transfer the salary to the worker's fund transfer account. . A person in charge of the company may refer to the data relating to the salary transfer output from the salary management server 200 and request the remittance management server 100 to transfer the salary. The payroll transfer request may include, for example, payroll transfer information. Next, the remittance management server 100 identifies the fund transfer company included in the salary transfer information conforming to the Zengin format, and converts the Zengin format to a salary transfer format (hereinafter referred to as "funds transfer format") corresponding to the fund transfer company. may be converted into the vendor format”). Next, in step S6, the remittance management server 100 transmits the funds transfer agency format corresponding to the funds transfer agency to the funds transfer agency server 300. FIG. Next, in step S7, the funds transfer service provider server 300, for example, based on the result of confirming the validity of the funds transfer account, sends information regarding the invoice for salary transfer (hereinafter referred to as "invoice information") to Send to the remittance management server 100 . Next, in step S8, the remittance management server 100 transmits bill information to the salary management server 200. FIG. In step S9, the company deposits the billed amount into a predetermined account of the fund transfer service provider based on the billing information. Next, in step S10, the funds transfer agency server 300 transmits information on the result of payment of the billed amount to the remittance management server 100 (hereinafter referred to as "payment result information"). In step S<b>11 , the remittance management server 100 transmits to the salary management server 200 information on receipt of payment (hereinafter referred to as “receipt information”). Accordingly, in step S12, the remittance management server 100 requests the funds transfer agency server 300 to transfer the salary to the worker's funds transfer account. In step S13, the funds transfer agency server 300 notifies the remittance management server 100 and the worker terminal 400 of information indicating that the salary transfer has been completed (hereinafter referred to as "salary transfer result notification"). In step S<b>14 , the remittance management server 100 transmits a salary transfer result notification to the salary management server 200 . Note that the dashed arrows in FIG. 2 indicate the actual flow of money.

In this way, the remittance system 10 provides the worker with a payroll account number obtained by converting the funds transfer account number. As a result, the remittance system 10 can significantly reduce modifications to the salary management server 200 and the funds transfer agency server 300 for workers to receive salary transfers in the funds transfer account. Specifically, in the remittance system 10, the funds transfer account number is uniformly converted into the Zengin format account number system. As a result, the payroll management server 200 does not require a design that changes the data format for each fund transfer agency server 300 . In addition, the remittance system 10 converts the Zengin format sent from the payroll management server 200 into a format corresponding to each fund transfer service provider when receiving a salary transfer request from the company to the worker. As a result, the payroll management server 200 can unify the payroll transfer to the Zengin format, and the funds transfer service provider server 300 can use its own data format. does not require That is, the remittance system 10 can reduce the cost of repairing the salary management server 200 and the funds transfer service provider server 300 . In addition, since the remittance system 10 can increase opportunities for workers to receive salaries through funds transfer accounts, it is possible to provide workers with various methods of receiving salaries. In addition, the remittance system 10 can lower the barriers for the funds transfer service provider to connect with companies in salary transfer, and increase the number of companies that the funds transfer service provider can connect to. In other words, the remittance system 10 enables companies to transfer salaries to workers using funds transfer accounts, thereby revitalizing the economy.

=== Configuration of Remittance Management Server 100 ===
Returning to FIG. 1, the configuration of the remittance management server 100 will be described. As shown in FIG. 1, the remittance management server 100 includes, for example, a storage unit 110, an account association unit 120, a format conversion unit 130, a confirmation request unit 140, an amount comparison unit 150, and a transaction processing unit 160. Including function part. Each functional unit is, for example, a function implemented by reading a program stored in the memory 1002 by the processor 1001 .

The storage unit 110 stores account conversion information D111, salary transfer request information D112, and format conversion information D113. The account conversion information D111 will be described with reference to FIG. FIG. 3 is a diagram showing the structure of the account conversion information D111. As shown in FIG. 3, the account conversion information D111 may include items such as [user ID], [company ID], [funds transfer account], and [payroll account]. [User ID] stores a user ID that can uniquely identify a worker who is a user. [Company ID] stores a company ID that can uniquely identify the company to which the user belongs. [Fund transfer account] stores the fund transfer account number corresponding to the user ID. [Payroll Account] stores the funds transfer account number corresponding to the user ID. That is, the account conversion information D111 serves as a conversion table for converting a funds transfer account into a payroll account.

Next, the salary transfer request information D112 will be described with reference to FIG. FIG. 4 is a diagram showing the configuration of salary transfer request information D112. As shown in FIG. 4, the salary transfer request information D112 includes items such as [company ID], [user ID], [payroll account], [funds transfer account], [funds transfer company ID], and [transfer amount]. may contain [Company ID], [User ID], [Payroll Account], and [Funds Transfer Account] are the same as [Company ID], [User ID], [Payroll Account], and [Funds Transfer Account] in the account conversion information D111. Therefore, the explanation is omitted. [Funds Transfer Service Provider ID] stores the Funds Transfer Service Provider ID that can uniquely identify the Funds Transfer Service Provider. [Transfer Amount] stores the amount of salary transferred from the company with the company ID to the worker with the user ID. The remittance management server 100 can identify the amount billed to the company by referring to the salary transfer request information D112.

Next, the format conversion information D113 will be described with reference to FIG. FIG. 5 is a diagram showing the structure of the format conversion information D113. As shown in FIG. 5, the format conversion information D113 may include items such as [Funds Transfer Service Provider ID] and [Format]. [Funds Transfer Service Provider ID] stores the Funds Transfer Service Provider ID that can uniquely identify the Funds Transfer Service Provider. [Format] stores the format used for transfer by the fund transfer service provider corresponding to the fund transfer service provider ID. That is, the format conversion information D113 serves as a conversion table for converting the Zengin format into the format for each fund transfer service provider.

The account association unit 120 associates the worker's funds transfer account number with a payroll account number that conforms to the bank account format (here, the Zengin format), and stores the payroll account number in the account conversion information D111. The account association unit 120 refers to the account conversion information D111 and gives the worker a payroll account. Specifically, when receiving a payroll account issuance request from the worker terminal 400 , the account association unit 120 acquires the worker's funds transfer account number from the funds transfer agency server 300 . The account association unit 120 associates the payroll account number with the funds transfer account number, and stores the result in the account conversion information D111. Account link 120 sends the payroll account number to worker terminal 400 . This allows workers to obtain a payroll account number through a simple procedure requiring a payroll account.

The format conversion unit 130 converts the Zengin format including the payroll account number, which is transmitted from the payroll management server 200, into the format of the funds transfer service provider including the funds transfer account number. Specifically, the format conversion unit 130 refers to the format conversion information D113 based on the funds transfer service provider ID included in the salary transfer request, and identifies the format of the funds transfer service provider. The format conversion unit 130 can convert the Zengin format sent from the payroll management server 200 into the format of the specified funds transfer service provider and send it to the fund transfer service provider server 300 . As a result, the remittance system 10 does not require the salary management server 200 to make a transfer request in a salary transfer format corresponding to each fund transfer service provider, so the salary management server 200 can be realized with a simple system configuration.

For example, after the fund transfer account number and the payroll account number are associated, the confirmation request unit 140, when receiving a salary transfer request from a company, asks the fund transfer company to confirm the fund transfer account corresponding to the payroll account number. is valid or not (hereinafter referred to as "account confirmation request"). Specifically, when the confirmation request unit 140 receives a salary transfer request from the salary management server 200 (for example, information including the payroll account “1234-567-8901234” and the salary transfer “200,000 yen”), the payroll account “ 1234-567-8901234” to identify the fund transfer account “A”. The confirmation request unit 140 transmits an account confirmation request to the funds transfer service provider server 300 to confirm whether or not the funds transfer account "A" is valid. As a result, the remittance system 10 can execute salary transfer processing after confirming whether or not the worker's funds transfer account is in a usable state, so smooth transfer processing can be realized.

For example, the amount comparison unit 150 compares the remittance amount transferred by the company to the company's funds transfer account with the billed amount corresponding to the amount transferred from the company to the worker before executing the salary transfer. Specifically, the amount comparison unit 150 acquires from the fund transfer agent server 300 information about the remittance amount that the company has remitted to the company's fund transfer account. The amount comparison unit 150 refers to the salary transfer request information D112 and obtains invoice information regarding the amount billed to the company, which is the total amount transferred from the company to the worker. The amount comparison unit 150 compares the remittance amount sent from the company with the billed amount. As a result of the comparison, if the remittance amount and the billed amount match, the amount comparison unit 150 sends information about a receipt (hereinafter referred to as “receipt information”) indicating that preparation for the transfer has been confirmed to the salary management server 200. Send to As a result, it is possible to check whether or not the salary transfer process by the company is properly performed, so that inappropriate remittance process can be suppressed.

If the predetermined conditions for remittance are satisfied, the transaction processing unit 160 sends the fund transfer service to the fund transfer service provider server 300 based on the fund transfer account number corresponding to the payroll account number included in the fund transfer service provider's format. Execute payroll transfer from the company to the account to the worker. Specifically, when the confirmation requesting unit 140 confirms that the funds transfer account is valid, the transaction processing unit 160 causes the worker to make a salary transfer. As a result, the remittance system 10 can realize smooth salary transfer processing. In addition, when the amount comparison unit 150 confirms that the remittance amount and the billed amount match, the transaction processing unit 160 may execute a salary transfer to the worker. Thereby, the remittance system 10 can suppress inappropriate remittance processing. In this case, the transaction processing unit 160 may notify the worker of information indicating that the money has been transferred from the company to the funds transfer account. This can improve convenience for workers. On the other hand, when the amount comparison unit 150 confirms that the remittance amount and the billed amount do not match (for example, when the remittance amount is lower than the billed amount), the transaction processing unit 160 sends the remittance management server 100 to the salary The management server 200 may be notified of the shortfall of the remittance amount with respect to the billed amount. This allows companies to respond quickly.

<<Modification>>
A modification of the remittance management server 100 will be described. In the above, we explained the process of transferring salaries to workers after confirming that the company has remitted the billed amount. The remittance management server 100 according to the modified example executes processing for transferring salaries to workers by remitting a certain amount of money in advance to a funds transfer account by a company. Hereinafter, for the sake of convenience, the money that the company has transferred in advance to the funds transfer account will be referred to as a "deposit". The remittance management server 100 according to the modification further includes, for example, a functional unit of the deposit determination unit 170 .

The deposit determination unit 170 determines whether or not the deposit transferred from the company to the funds transfer account of the company satisfies a predetermined amount. Specifically, when a salary transfer request is received from a company to a worker, the deposit determination unit 170 requests the funds transfer agency server 300 to inquire about the balance of the deposit. The deposit determination unit 170 determines whether or not the balance of the deposit meets a predetermined amount. The predetermined amount may be, for example, a preset amount (hereinafter referred to as "set amount"), or an amount billed to the company, which is the total amount of salary transfers from the company to a plurality of workers. good. As a result, the remittance system 10 can make a salary transfer in a state in which the funds transfer service provider can execute the salary transfer, so smooth salary transfer can be realized.

In this case, if the deposit determination unit 170 determines that the deposit that has already been remitted to the company's funds transfer account is greater than (or "more than") the set amount or the billed amount, the transaction processing unit 160 A request is made to the mobile agent server 300 to transfer the salary to the worker. As a result, the remittance system 10 can make a salary transfer in a state in which the funds transfer service provider can execute the salary transfer, so smooth salary transfer can be realized.

In addition, if the deposit determination unit 170 determines that the deposit that has been remitted to the company's fund transfer account is smaller (or "less than") the set amount or the billed amount, the transaction processing unit 160 at least: Execute a remittance request to the company for the difference between the set amount and the deposit in the funds transfer account. As a result, the remittance system 10 allows the company to replenish the deposits when the funds transfer service provider cannot execute the salary transfer, thereby making the transfer executable, so that smooth remittance processing can be realized.

Further, the deposit determination unit 170 may determine whether or not the balance of the deposit meets the set amount after the salary is transferred from the company to the worker. Specifically, for example, when the salary transfer result is acquired, the deposit determination unit 170 compares the balance of the deposit obtained by subtracting the amount of the salary transfer from the deposit before the salary transfer with the set amount. In this case, if the deposit determination unit 170 determines that the balance of the deposit is smaller than the set amount, the transaction processing unit 160 at least informs the company of the difference between the set amount and the balance of the deposit. Execute the remittance request for As a result, the remittance system 10 can carry out procedures for salary remittance while maintaining a state in which the funds transfer service provider can execute remittance of salaries, so that smooth remittance processing can be realized.

===Configuration of Payroll Management Server 200===
Returning to FIG. 1, the configuration of the salary management server 200 will be described. As shown in FIG. 1, the salary management server 200 includes functional units such as a storage unit 210, an account management unit 220, a transfer request unit 230, and an account confirmation unit 240, for example. Each functional unit is, for example, a function implemented by reading a program stored in the memory 1002 by the processor 1001 .

Storage unit 210 stores transfer account information D211. The transfer account information D211 will be described with reference to FIG. FIG. 6 is a diagram showing the structure of the transfer account information D211. As shown in FIG. 6, the transfer account information D211 may include, for example, items such as [user ID], [first transfer account], and [second transfer account]. [User ID] stores a user ID that can uniquely identify a worker who is a user. [First transfer account] stores the transfer account number corresponding to the user ID. [Second transfer account] stores the account number for transfer corresponding to the user ID. In the deposit account information D211, for example, a payroll account number is stored in the item of at least one of the first to n-th deposit accounts. That is, the remittance system 10 can handle the payroll account number in the same manner as the bank account number. As a result, the payroll management server 200 can implement the payroll transfer to the worker to the funds transfer account without requiring almost any system modification.

The account management unit 220 registers the information on the account in the transfer account information D211 when the worker receives the information on the registration operation of the salary transfer account (for example, bank account, payroll account) through the worker terminal 400. . The transfer request unit 230 transmits a salary transfer request to the remittance management server 100 based on an operation input by the person in charge of the company or the passage of a predetermined date and time. The account confirmation unit 240 confirms the validity of the account based on information about the result indicating whether the worker's account is valid (hereinafter referred to as "determination result information") transmitted from the remittance management server 100. .

===Configuration of Funds Transfer Service Provider Server 300===
Returning to FIG. 1, the configuration of the funds transfer agency server 300 will be described. As shown in FIG. 1, the funds transfer service provider server 300 includes functional units such as a storage unit 310, an account management unit 320, and a transfer execution unit 330, for example. Each functional unit is, for example, a function implemented by reading a program stored in the memory 1002 by the processor 1001 .

The storage unit 310 stores account management information D311. The account management information D311 will be described with reference to FIG. FIG. 7 is a diagram showing the structure of the account management information D311. As shown in FIG. 7, the account management information D311 may include, for example, items such as [funds transfer account], [name], [company ID], [balance], and [history]. [Fund transfer account] stores the fund transfer account number corresponding to the user ID. [Name] stores the name of the user. [Company ID] stores a company ID that can uniquely identify the company to which the user belongs. [Balance] stores the balance of the funds transfer account. [History] stores the history of deposits and withdrawals in the funds transfer account.

When receiving a fund transfer account registration request (account opening request) from the worker terminal 400, the account management unit 320 registers the fund transfer account in the account management information D311 in association with the worker. Also, the account management unit 320 relays various information between the worker terminal 400 and the remittance management server 100, for example. Specifically, when the account management unit 320 receives a payroll account issuance request from the worker terminal 400 , it transmits the worker's worker information and fund transfer account number to the remittance management server 100 . When the account management unit 320 acquires the payroll account number associated with the worker from the remittance management server 100 , the account management unit 320 transmits the payroll account number to the worker terminal 400 . Also, when receiving an account confirmation request from the remittance management server 100, the account management unit 320 confirms whether or not the worker's funds transfer account is valid. Specifically, for example, the account management unit 320 refers to the account management information D311, and based on the worker information, determines whether or not the worker's funds transfer account number is registered, and determines whether the worker's fund transfer account number is registered. confirm whether the worker is the worker in question and whether there have been any troubles in the past regarding the funds transfer account. The account management unit 320 transmits to the remittance management server 100 information on the result of confirming whether or not the worker's funds transfer account is valid (hereinafter referred to as “account confirmation result information”). As a result, companies can safely and reliably transfer salaries to workers using funds transfer accounts. Upon receiving a salary transfer request from the remittance management server 100, the transfer executing unit 330 executes a salary transfer to the worker's funds transfer account. The transfer executing unit 330 stores information regarding the salary transfer in the account management information D311.

===Configuration of worker terminal 400===
Returning to FIG. 1, the configuration of the worker terminal 400 will be described. The worker terminal 400 registers various information in the salary management server 200 in response to an operation input by the worker, for example, and transmits the information to the funds transfer agency server 300 . In addition, the worker terminal 400 causes the display unit to display various information acquired from various servers. As shown in FIG. 1, the worker terminal 400 includes functional units such as a storage unit 410, an acquisition unit 420, a display processing unit 430, and a transmission unit 440, for example. Each functional unit is, for example, a function implemented by reading a program stored in a memory by a processor. The storage unit 410 stores various information. The acquisition unit 420 acquires various types of information from various servers. The display processing unit 430 causes the display unit to display the acquired various information. The transmission unit 440 transmits various kinds of information to various servers (for example, the funds transfer service provider server 300).

===Processing Procedure of Remittance System 10===
A processing procedure of the remittance system 10 will be described with reference to FIG. FIG. 8 is a flow diagram showing the processing procedure of the remittance system 10. As shown in FIG. FIG. 8 shows the processing procedure of the remittance system 10 from the time the worker is given a payroll account to the completion of the salary transfer from the company to the worker's funds transfer account.

First, the procedure for assigning a payroll account to a worker will be explained. In step S<b>100 , the worker terminal 400 receives an operation input by the worker and transmits a payroll account issuance request to the funds transfer agency server 300 . The payroll account issuance request includes, for example, worker information. In step S101, the funds transfer agency server 300 refers to the account management information D311 to identify the funds transfer account number corresponding to the worker. The fund transfer agency server 300 transmits the worker's fund transfer account number to the remittance management server 100 . In step S102, the remittance management server 100 stores the payroll account number in the account conversion information D111 in association with the funds transfer account number. The remittance management server 100 transmits the payroll account number to the funds transfer agency server 300 . At step S<b>104 , the funds transfer agency server 300 transmits the payroll account number to the worker terminal 400 . In step S105, the worker terminal 400 registers the payroll account number in the payroll management server 200 as an account for payroll transfer, for example, through a browser. The payroll management server 200 associates the payroll account number with the worker ID and stores it in the transfer account information D211. This allows companies to use payroll accounts to transfer salaries to workers.

Next, a processing procedure for transferring a salary from a company to a worker's funds transfer account will be described. In step S200, the salary management server 200 transmits a salary transfer request including salary transfer information conforming to the Zengin format to the remittance management server 100 in order to transfer the salary to the worker's funds transfer account. In step S201, the remittance management server 100 identifies the fund transfer company included in the salary transfer request, refers to the format conversion information D113, and converts the Zengin format to the fund transfer company format corresponding to the specified fund transfer company. Convert to As a result, the remittance system 10 does not require a design to change the data format for each fund transfer service provider server 300 in the salary management server 200, so salary transfer to the fund transfer service provider can be realized with a simple system configuration. In step S202, the remittance management server 100 sends an account confirmation request to the specified funds transfer agency server 300 to confirm the validity of the worker's funds transfer account. In step S<b>203 , the funds transfer agency server 300 transmits the account confirmation result to the remittance management server 100 . In step S204, the remittance management server 100 determines validity of the account based on the account confirmation result. In step S<b>205 , the remittance management server 100 transmits determination result information to the salary management server 200 . In step S206, the salary management server 200 determines whether or not the worker's fund transfer account is valid based on the determination result information. If it is determined to be invalid (step S205: NO), the salary management server 200 may transmit determination result information to the worker terminal 400 so that the worker terminal 400 displays the determination result. In step S206, the worker terminal 400 displays the determination result. The judgment results include, for example, a notice that the worker's funds transfer account does not exist, a notice that the funds transfer account is disabled, a notice regarding the reason for the disabled funds transfer account, etc. may be included. As a result, workers can respond quickly so that they can use the fund transfer account, so that smooth salary transfers can be realized. If it is determined to be valid (step S205: YES), in step S207, the salary management server 200 transmits to the remittance management server 100 a confirmation result indicating that the worker's funds transfer account is valid. In step S208, the remittance management server 100 compares the remittance amount transferred by the company to the company's funds transfer account with the billed amount corresponding to the transfer amount from the company to the worker. When obtaining a result that the remittance amount and the billed amount do not match (step S209: NO), the remittance management server 100 transmits information indicating the insufficient amount to the salary management server 200. FIG. In step S210, the salary management server 200 executes processing to remit the shortfall to the funds transfer account. As a result, it is possible to make preparations for executing salary transfer processing, so that smooth salary transfer can be realized. In step S211, the remittance management server 100 transmits a salary transfer request including salary transfer information conforming to the funds transfer service provider format to the funds transfer service provider server 300 in order to execute a salary transfer. In step S212, the fund transfer agency server 300 transfers the salary to the worker's fund transfer account and notifies the worker terminal 400 of the result of the salary transfer. In step S213, the worker terminal 400 displays the salary transfer result on the display unit. As a result, workers can know in real time that the salary transfer has been completed, which improves convenience for workers.

===Hardware Configuration===
An example of the hardware configuration when the remittance management server 100, the payroll management server 200, and the funds transfer agent server 300 are realized by the computer 1000 will be described with reference to FIG. The function of each device can also be implemented by being divided into a plurality of devices.

FIG. 9 is a diagram illustrating an example of the hardware configuration of a computer; As shown in FIG. 9, a computer 1000 includes a processor 1001, a memory 1002, a storage device 1003, an input I/F section 1004, a data I/F section 1005, a communication I/F section 1006, and a display device. Including 1007.

The processor 1001 is a control unit that controls various processes in the computer 1000 by executing programs stored in the memory 1002 .

The memory 1002 is a storage medium such as a RAM (Random Access Memory). The memory 1002 temporarily stores program codes of programs executed by the processor 1001 and data necessary for executing the programs.

The storage device 1003 is, for example, a non-volatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 1003 stores an operating system and various programs for realizing the above configurations.

An input I/F unit 1004 is a device for receiving input from the user. Specific examples of the input I/F unit 1004 include a keyboard, mouse, touch panel, various sensors, wearable devices, and the like. The input I/F unit 1004 may be connected to the computer 1000 via an interface such as USB (Universal Serial Bus).

A data I/F unit 1005 is a device for inputting data from outside the computer 1000 . A specific example of the data I/F unit 1005 is a drive device for reading data stored in various storage media. Data I/F unit 1005 may be provided outside computer 1000 . In that case, the data I/F unit 1005 is connected to the computer 1000 via an interface such as USB.

The communication I/F unit 1006 is a device for performing data communication with a device outside the computer 1000 via the Internet N by wire or wirelessly. Communication I/F section 1006 may be provided outside computer 1000 . In that case, the communication I/F unit 1006 is connected to the computer 1000 via an interface such as USB.

A display device 1007 is a device for displaying various information. Specific examples of the display device 1007 include a liquid crystal display, an organic EL (Electro-Luminescence) display, and a wearable device display. The display device 1007 may be provided outside the computer 1000 . In that case, the display device 1007 is connected to the computer 1000 via, for example, a display cable. Further, when a touch panel is adopted as the input I/F section 1004, the display device 1007 can be configured integrally with the input I/F section 1004. FIG.

===Summary===
The remittance system 10 according to the present embodiment, in response to a request to issue an account in the form of a bank account corresponding to an account of a funds transfer agent, a funds transfer account (funds transfer agent) for a worker (user) of a predetermined company an account association unit 120 that associates a payroll account number (second identification code) configured in a format related to a bank account with a funds transfer account number (first identification code) for identifying a bank account; If the conditions are met, by specifying the fund transfer account number (first identification code) based on the worker's payroll account number (second identification code) registered in the predetermined company (organization), A transaction processing unit 160 for executing salary transfer (remittance) from (organization) to the account of the fund transfer service provider corresponding to the fund transfer account number (first identification code) of the worker (user). As a result, it is possible to realize the salary transfer from the company to the worker's account of the fund transfer service provider with a simple system configuration. In addition, the remittance system 10 can lower the barriers for the funds transfer service provider to connect with companies in salary transfer, and increase the number of companies that the funds transfer service provider can connect to. In other words, the remittance system 10 enables companies to transfer salaries to workers using funds transfer accounts, thereby revitalizing the economy.

In addition, the remittance system 10 according to the present embodiment transfers the Zengin format including the payroll account number (second identification code) transmitted from the payroll management server 200 of a predetermined company (organization) to the payroll account in the transaction processing unit 160. further comprising a format conversion unit 130 for converting into a funds transfer service provider format (format) of a funds transfer service provider including a funds transfer account number (first identification code) specified based on the number (second identification code); and a transaction processing unit 160 Executes remittance to the fund transfer account (account of the fund transfer service provider) corresponding to the fund transfer account number (first identification code) of the worker (user) based on the fund transfer service provider format (format) of the fund transfer service provider. . As a result, the remittance system 10 does not require the salary management server 200 to make a transfer request in a salary transfer format corresponding to each fund transfer service provider, so the salary management server 200 can be realized with a simple system configuration.

In addition, the remittance system 10 according to the present embodiment transfers funds based on the payroll account number (second identification code) included in the request for salary transfer (remittance) from a predetermined company (organization) to a worker (user). A request to the money transfer service provider to confirm whether or not the funds transfer account (funds transfer service account) indicated by the funds transfer account number (first identification code) corresponding to the payroll account number (second identification code) is valid. and the transaction processing unit 160 confirms that the funds transfer account (funds transfer company's account) indicated by the funds transfer account number (first identification code) is valid, A payroll transfer (remittance) is executed from a predetermined company (organization) to an account of a worker (user) at a funds transfer agency. As a result, the remittance system 10 can execute salary transfer processing after confirming whether or not the worker's funds transfer account is in a usable state, so smooth transfer processing can be realized.

In addition, the remittance system 10 according to the present embodiment, the amount transferred by the predetermined company (organization) to the fund transfer account (account of the fund transfer service provider) in the predetermined company (organization), and the worker (user) An amount comparison unit 150 is further provided for comparing the amount charged to a predetermined company (organization) corresponding to the amount of salary transfer (remittance). ) is the same as the amount remitted by the company (organization), the payroll transfer (remittance) from the specified company (organization) to the account of the worker (user) at the funds transfer agency is obtained. let it run. As a result, it is possible to check whether or not the salary transfer process by the company is properly performed, so that inappropriate remittance process can be suppressed.

In addition, when the transaction processing unit 160 of the remittance system 10 according to the present embodiment obtains a comparison result indicating that the amount remitted by the predetermined company (organization) is smaller than the billed amount in the amount comparison unit 150, A remittance request is made to a specified company (organization) for the difference between the amount remitted by the specified company (organization) and the billed amount. As a result, it is possible to check whether or not the salary transfer process by the company is properly performed, so that inappropriate remittance process can be suppressed.

In addition, the remittance system 10 according to the present embodiment determines whether or not the amount of money already transferred from a predetermined company (organization) in the account of the fund transfer service provider of the predetermined company (organization) satisfies a predetermined amount. The transaction processing unit 160 further includes a deposit determination unit 170, and the deposit determination unit 170 determines that the deposit (amount already remitted) from a predetermined company (organization) satisfies a predetermined amount. In this case, a payroll transfer (remittance) is executed from a predetermined company (organization) to the worker's (user's) funds transfer account (funds transfer company's account). As a result, the remittance system 10 can make a salary transfer in a state in which the funds transfer service provider can execute the salary transfer, so smooth salary transfer can be realized.

In addition, the transaction processing unit 160 of the remittance system 10 according to the present embodiment determines that the deposit (amount already remitted) from a predetermined company (organization) does not meet the predetermined amount in the deposit determination unit 170. If so, at least a request for remittance of the difference between the predetermined amount and the deposit (amount already remitted) from the predetermined company (organization) is executed to the predetermined company (organization). As a result, the remittance system 10 can make a salary transfer in a state in which the funds transfer service provider can execute the salary transfer, so smooth salary transfer can be realized.

In addition, the deposit determination unit 170 of the remittance system 10 according to the present embodiment transfers (remits) a deposit (remitted amount) from a predetermined company (organization) to the worker (user). The transaction processing unit 160 determines whether or not the amount billed to a predetermined company (organization) corresponding to the amount is satisfied. ) is determined to satisfy the billed amount, a payment (remittance) is executed from a predetermined company (organization) to the worker's (user's) funds transfer account (funds transfer company's account). As a result, the remittance system 10 can make a salary transfer in a state in which the funds transfer service provider can execute the salary transfer, so smooth salary transfer can be realized.

Further, the transaction processing unit 160 of the remittance system 10 according to the present embodiment determines that the deposit (amount already remitted) from a predetermined company (organization) does not meet the billing amount in the deposit determination unit 170. In this case, a remittance request is executed for at least the specified company (organization) for the difference between the billed amount and the deposit from the specified company (organization) (amount already remitted). As a result, the remittance system 10 can make a salary transfer in a state in which the funds transfer service provider can execute the salary transfer, so smooth salary transfer can be realized.

In addition, the deposit determination unit 170 of the remittance system 10 according to the present embodiment causes the transaction processing unit 160 to transfer a salary from a predetermined company (organization) to the worker's (user's) funds transfer account (funds transfer company's account). After executing (remittance), a prescribed company (organization) corresponding to the amount to be transferred (remitted) to the worker (user) from the deposit (remitted amount) from the prescribed company (organization) It is determined whether the difference obtained by subtracting the billed amount from the As a result, the remittance system 10 can carry out procedures for salary remittance while maintaining a state in which the funds transfer service provider can execute remittance of salaries, so that smooth remittance processing can be realized.

In addition, the transaction processing unit 160 of the remittance system 10 according to the present embodiment connects a fund transfer account (fund transfer operator) corresponding to the fund transfer account number (first identification code) of the worker (user) from a predetermined company (organization). account) to execute salary transfer (salary transfer). As a result, it is possible to realize the salary transfer from the company to the worker's account of the fund transfer service provider with a simple system configuration.

DESCRIPTION OF SYMBOLS 10... Remittance system 100... Remittance management server 200... Salary management server 300... Fund transfer agency server 400... Worker terminal 110... Storage part 120... Account related part 130... Format conversion part 140... Confirmation Requesting part 150...Amount comparing part 160...Transaction processing part 170...Deposit determining part.

Claims (13)

In response to a request to issue an account in a format related to a bank account corresponding to an account of a fund transfer service provider, a first identification code for identifying the account of the fund transfer service provider in the user is configured in a format related to the bank account. an account association unit that associates a second identification code that is
When a predetermined condition regarding remittance is satisfied, by specifying the first identification code based on the second identification code of the user registered in the predetermined organization, the user's said a transaction processing unit for executing remittance to the account of the fund transfer service provider corresponding to the first identification code;
An information processing system comprising The Zengin format including the second identification code transmitted from the predetermined organization is converted by the transaction processing unit into the format of the fund transfer service provider including the first identification code specified based on the second identification code. further includes a format conversion unit that
The transaction processing unit executes remittance to the account of the funds transfer service provider corresponding to the first identification code of the user based on the format of the funds transfer service provider.
The information processing system according to claim 1. the funds transfer indicated by the first identification code corresponding to the second identification code to the funds transfer service provider based on the second identification code included in the remittance request from the predetermined organization to the user; further comprising a confirmation requesting unit for performing a confirmation request as to whether the merchant's account is valid;
When the transaction processing unit confirms that the account of the fund transfer service provider indicated by the first identification code is valid, the transaction processing unit executes remittance from the predetermined organization to the user's account of the fund transfer service provider.
The information processing system according to claim 1 or 2. an amount comparison unit that compares the amount remitted by the predetermined organization to the account of the fund transfer service provider in the predetermined organization and the amount billed to the predetermined organization corresponding to the amount remitted to the user; further prepared,
When the amount comparison unit obtains a comparison result indicating that the amount remitted by the predetermined organization matches the amount billed, the transaction processing unit performs the above-mentioned remittance of the user from the predetermined organization. Execute remittance to the account of the funds transfer service provider,
The information processing system according to any one of claims 1 to 3. When the amount comparison unit obtains a comparison result indicating that the amount remitted by the predetermined organization is smaller than the billed amount, the transaction processing unit performs a transaction with the predetermined organization. Execute a remittance request for the difference between the amount remitted by
The information processing system according to claim 4. further comprising a deposit determination unit that determines whether or not the amount of money remitted from the predetermined organization in the account of the fund transfer service provider of the predetermined organization satisfies a predetermined amount,
The transaction processing unit, when the deposit determination unit determines that the amount of money remitted from the predetermined organization satisfies the predetermined amount, make a transfer to your account,
The information processing system according to any one of claims 1 to 5. When the deposit determination unit determines that the amount of money remitted from the predetermined organization does not meet the predetermined amount, the transaction processing unit at least transfers the predetermined amount to the predetermined organization. Execute a remittance request for the difference between the amount of the amount and the amount already remitted from the predetermined organization,
The information processing system according to claim 6. The deposit determination unit determines whether or not the amount remitted from the predetermined organization satisfies the amount billed to the predetermined organization corresponding to the amount to be remitted to the user,
When the deposit determination unit determines that the amount already remitted from the predetermined organization satisfies the billed amount, the transaction processing unit transfers the money from the predetermined organization to the user's account of the fund transfer service provider. make a remittance to
The information processing system according to claim 6. When the deposit determination unit determines that the amount of money remitted from the predetermined organization does not meet the billed amount, the transaction processing unit at least pays the billed amount to the predetermined organization. Execute a remittance request for the difference between the amount already remitted from the predetermined organization to
The information processing system according to claim 8. After causing the transaction processing unit to execute remittance from the predetermined organization to the account of the user at the fund transfer service provider, the deposit determination unit transfers the money from the remitted amount from the predetermined organization to the user. Determining whether the difference obtained by subtracting the amount billed to the predetermined organization corresponding to the amount remitted by
The information processing system according to claim 6 or 7. the predetermined organization is a company,
the user is a worker of the company;
The transaction processing unit causes the predetermined company to transfer the salary to the account of the fund transfer service provider corresponding to the first identification code of the worker.
The information processing system according to any one of claims 1 to 9. the computer
In response to a request to issue an account in a format related to a bank account corresponding to an account of a fund transfer service provider, a first identification code for identifying the account of the fund transfer service provider in the user is configured in a format related to the bank account. associating a second identification code that is
When a predetermined condition regarding remittance is satisfied, by specifying the first identification code based on the second identification code of the user registered in the predetermined organization, the user's executing remittance to the account of the fund transfer service provider corresponding to the first identification code;
how to run. to the computer,
In response to a request to issue an account in a format related to a bank account corresponding to an account of a fund transfer service provider, a first identification code for identifying the account of the fund transfer service provider in the user is configured in a format related to the bank account. associating a second identification code that is
When a predetermined condition regarding remittance is satisfied, by specifying the first identification code based on the second identification code of the user registered in the predetermined organization, the user's executing remittance to the account of the fund transfer service provider corresponding to the first identification code;
program to run the

Images