JP2024120477A - Information processing device, method, and system - Google Patents

Abstract

To provide an information processing apparatus, method and system which allow for reloading of electronic money.SOLUTION: An information processing apparatus, method and system are provided, the information processing apparatus including: salary data receiving means which receives salary data; salary distribution data generation means which generates salary distribution data on the basis of the salary data, reload amount database, and/or a master/slave account database; salary distribution data transmission means which transmits the salary distribution data to a master/slave account transfer system; reload amount transfer completion report receiving means which receives a reload amount transfer completion report; reload instruction data generation means which generates reload instruction data to instruct an electronic money business operator system to reload an electronic money account of a user with electronic money, on the basis of the reload amount transfer completion report; and reload instruction data transmission means which transmits the reload instruction data to the electronic money business operator system.SELECTED DRAWING: Figure 8

Description

The present invention relates to an information processing device, a method, and a system. More specifically, the present invention relates to an information processing device, a method, and a system that realizes an electronic money charging means that can charge electronic money to one or more electronic money accounts.

Conventionally, wages were paid by hand or by bank transfer in accordance with the Labor Standards Act and the Ministry of Health, Labor and Welfare Ordinance. However, at the 181st Labor Conditions Subcommittee of the Labor Policy Council held in October 2022, the Ministry of Health, Labor and Welfare announced a policy to lift the ban on payment of wages by electronic money (so-called digital payment of wages) from April 2023. Therefore, from April 2023 onwards, the system will allow companies that pay wages to designate individuals' electronic money accounts to make wage payments, and wage recipients will be able to receive their wages directly as electronic money. In light of this current situation, technology has been devised to further promote the use of electronic money to be paid as wages (Patent Document 1).

Patent No. 7140901

When paying wages with electronic money, it is required that the salary recipient also be able to select payment to a bank account, etc. However, the technology of Patent Document 1 does not provide a method for paying employees with both cash and electronic money as a means of salary payment. Moreover, such a method does not currently exist, and there are no alternative means or methods. Therefore, even if it becomes possible to pay wages with electronic money under the system, companies that pay wages cannot pay employees both cash and electronic money as wages. As a result, if employees want to use electronic money, they must charge the electronic money themselves, which is inconvenient for users.

The present invention has been made to solve these problems, and aims to provide an information processing device, method, and system that realizes an electronic money charging means that can charge electronic money to one or more electronic money accounts.

An information processing device according to one aspect of the present invention is characterized by comprising: salary amount data receiving means for receiving salary amount data, the salary amount data including information on the user's salary; salary allocation data generating means for generating salary allocation data based on the salary amount data, the charge amount database, and/or the parent-child account database; salary allocation data transmitting means for transmitting the salary allocation data to the parent-child account transfer system; charge amount transfer completion report receiving means for receiving a charge amount transfer completion report from the parent-child account transfer system; charge instruction data generating means for generating charge instruction data that instructs the electronic money business system to charge electronic money to one or more electronic money accounts of the user based on the charge amount transfer completion report; and charge instruction data transmitting means for transmitting the charge instruction data to the electronic money business system.

A method according to one aspect of the present invention includes receiving salary amount data, the salary amount data including information on a user's salary amount; generating salary allocation data based on the salary amount data, the charge amount database, and/or the parent-child account database; transmitting the salary allocation data to a parent-child account transfer system; receiving a charge amount transfer completion report from the parent-child account transfer system; generating charge instruction data that instructs an electronic money business system to charge electronic money to one or more electronic money accounts of the user based on the charge amount transfer completion report; and transmitting the charge instruction data to the electronic money business system.

The system according to one aspect of the present invention comprises an information processing device, a parent-child account transfer system, a bank system, and an electronic money business operator system, and the information processing device comprises a salary amount data receiving means for receiving salary amount data, the salary amount data including information on a user's salary amount, a salary allocation data generating means for generating salary allocation data based on the salary amount data, the charge amount database, and/or the parent-child account database, a salary allocation data transmitting means for transmitting the salary allocation data to the parent-child account transfer system, a charge amount transfer completion report receiving means for receiving a charge amount transfer completion report from the parent-child account transfer system, and a charge amount transfer completion report receiving means for transmitting the charge amount transfer completion report to the parent-child account transfer system. The parent-child account transfer system includes a charge instruction data generating means for generating charge instruction data for instructing an electronic money business system to charge electronic money to one or more electronic money accounts of the user based on the notification, and a charge instruction data transmitting means for transmitting the charge instruction data to the electronic money business system. The parent-child account transfer system includes a salary allocation data receiving means for receiving salary allocation data, a charge amount transfer data generating means for generating charge amount transfer data for instructing a bank system to transfer funds equivalent to a charge amount from the corporate child account to the electronic money child account based on the salary allocation data, and a charge amount transfer data transmitting means for transmitting the charge amount transfer data to the bank system. the charge amount transfer data transmitting means, charge amount transfer processing result receiving means for receiving a charge amount transfer processing result, charge amount transfer completion report transmitting means for transmitting a charge amount transfer completion report to the information processing device based on the charge amount transfer processing result, salary transfer data generating means for generating salary transfer data based on salary allocation data, and salary transfer data transmitting means for transmitting the salary transfer data to a bank system, the bank system comprising: charge amount transfer data receiving means for receiving the charge amount transfer data; and charge amount transfer processing means for executing a transfer process of an amount equivalent to the charge amount from the company subsidiary account to the electronic money subsidiary account based on the charge amount transfer data. and a charge amount transfer processing result sending means for sending a charge amount transfer processing result to the parent-child account transfer system based on the execution of the transfer processing, a salary transfer data receiving means for receiving salary transfer data, and a salary transfer processing means for executing a salary transfer process from a specified account of the company where the user works to one or more accounts of the user based on the salary transfer data, and the electronic money business system is characterized by being equipped with a charge instruction data receiving means for receiving charge instruction data, and an electronic money charge means for charging electronic money to one or more electronic money accounts of the user based on the charge instruction data.

The present invention makes it possible to charge electronic money to one or more electronic money accounts.

A more detailed understanding of the embodiments disclosed herein can be had from the following description, taken in conjunction with the accompanying drawings, in which:
1 is a configuration diagram of an entire system according to an embodiment of the present invention. 1 is a system configuration diagram of an information processing device 10 according to an embodiment of the present invention. 2 is a diagram showing an example of a data structure of an account DB 206 according to the embodiment of the present invention. FIG. 2 is a diagram showing an example of a data structure of a charge amount DB 207 according to an embodiment of the present invention. FIG. A figure showing an example of the data structure of parent-child account DB208 relating to an embodiment of the present invention. FIG. 11 is a flow diagram illustrating a charge amount registration process according to the present invention. 13 is an example of salary allocation candidate information displayed on the screen of a user terminal 13 according to the present invention. FIG. 2 is a flow chart illustrating a salary allocation process according to the present invention.

In this specification, the term "bank" is used to mean a financial institution (e.g., bank, credit union, credit association, labor bank, agricultural cooperative, etc.) that has a four-digit financial institution code assigned by the Japanese Bankers Association (referred to as "JBA" in this specification).

In this specification, "electronic money" means a system in which monetary value is recorded as digital data on an IC card or a server connected to the Internet, and monetary value is exchanged electronically (Kojien, 7th edition). The concept of electronic money includes rechargeable electronic payment means, but is not limited to a specific service. Payments using electronic money may be made via a physical medium such as an IC card, via a specific application stored in a user device, or via a user device reading a payment code at the store, or a device at the store reading a payment code displayed on a user device, and is not particularly limited.

(Overall composition)
Fig. 1 is a configuration diagram of an entire system including an information processing device 10 according to an embodiment of the present invention, a bank system 11, a corporate system 12, a user terminal 13, electronic money business operators systems 14 and 15, a parent-child account transfer system 16, and a network 17. Fig. 1 is merely an example, and there may be more elements than those shown in Fig. 1.

As shown in FIG. 1, the information processing device 10, bank system 11, corporate system 12, user terminal 13, electronic money business operators systems 14 and 15, and parent-child account transfer system 16 are interconnected via network 17 so as to be able to communicate with each other.

In response to a user account registration request from the user terminal 13, the information processing device 10 assigns a user account to the user (employee) and transmits the assigned user account to the user terminal 13. The user ID for logging in to the information processing device 10 may be the user account itself, or may be any user ID associated with the user account. For the purpose of explanation, the user account in this specification will be described as a user ID (e.g., a unique identification number) assigned to each user. Hereinafter, when simply described as a user account, it refers to a user ID (e.g., a unique identification number) assigned to each user. The information processing device 10 receives various requests and instructions from the user terminal 13, executes processing related to the requests and instructions, and transmits the related requests and instructions to the corresponding systems. Information on the user account of each user can be provided by the information processing device 10 to the bank system 11, the corporate system 12, the electronic money business systems 14 and 15, and/or the parent-child account transfer system 16.

The information processing device 10 generates salary allocation data based on salary amount data received from the corporate system 12, and transmits the data to the parent-child account transfer system 16. The information processing device 10 receives a charge amount transfer completion report from the parent-child account transfer system 16, and generates charge instruction data based on the charge amount transfer completion report, and transmits the data to the electronic money business system 14 and/or 15.

The bank system 11 has an accounting system, which has accounts for companies and individuals. As described above, the bank system 11 is provided with a user account from the information processing device 10. The bank system 11 can control the transfer and/or transfer process to the corresponding account based on the salary transfer data and charge amount transfer data received from the parent-child account transfer system 16. For example, the bank system 11 performs a salary transfer process to the user's account based on the received salary transfer data. When the salary transfer process is completed, the bank system 11 transmits a salary transfer process result to the information processing device 10 to notify the completion of the transfer. The salary transfer process result includes information such as the user account assigned to each user by the information processing device 10, the transfer amount, the transfer date and time, and the transfer destination account. In addition, the bank system 11 performs a transfer process of funds equivalent to the charge amount specified by the user from the company's account (company child account) to the electronic money business account (electronic money child account) based on the received charge amount transfer data. The child account will be described in detail later. When the transfer process is completed, the bank system 11 transmits a charge amount transfer process result notifying the parent-child account transfer system 16 of the completion of the transfer. The process result includes information such as the user account assigned to each user by the information processing device 10, the transfer amount, the transfer date and time, and the transfer destination account.

For purposes of explanation, it is assumed herein that the bank system 11 is managed and operated by Bank A.

The enterprise system 12 may manage the attendance of employees, calculate payroll, and register the calculated payroll amount for each employee and each employee in the information processing device 10. The enterprise system 12 may be configured to electronically receive transfer information from employees. The enterprise system 12 may also provide the information processing device 10 with information on the means of payment of the salary and the electronic money to be charged. For example, the means of payment of the salary and the electronic money to be charged can be specified by registering the bank for receiving the salary and the electronic money to be charged in the information processing device 10. The bank for receiving the salary and the electronic money to be charged can specify multiple types of banks and electronic money. The enterprise system 12 also provides the parent-child account information for transfer to the parent-child account transfer system 16, as described below. For the purpose of explanation, in this specification, the enterprise system 12 is assumed to be managed and operated by enterprise D.

The user terminal 13 is any type of device capable of operating in a wired or wireless environment. For purposes of explanation, the user terminal 13 is described herein as a smartphone, but any device may be applied to the present invention without departing from the spirit and scope of the present application.

The user terminal 13 transmits a user account registration request and receives a user account from the information processing device 10. The user account registration request may include information such as a financial institution identifier (financial institution code), a financial institution branch number, an account number, user information, and information on the electronic money account used by the user. The information included in the user account registration request is stored in a user account DB (account DB 206 in FIG. 2) in association with a user account assigned to the user. The user terminal 13 logs into the information processing device 10 using the user account and transmits various requests and instructions, such as a salary allocation request, to the information processing device 10. The user terminal 13 also transmits a salary allocation request to the information processing device 10, which specifies the main account for receiving salary, an account for receiving a portion of salary separately from the main account (hereinafter simply referred to as a sub-account), the type of electronic money to be charged, and the amount to be charged.

The electronic money business systems 14 and 15 identify the user's electronic money account based on the charge instruction data received from the information processing device 10, and charge the identified electronic money account with the specified amount of electronic money. In addition, as described below, the electronic money business systems 14 and 15 are registered for use with the parent-child account transfer system 16, and provide child account information for transfer to the parent-child account transfer system 16. For the purpose of explanation in this specification, it is assumed that electronic money business b operates the electronic money business system 14 and provides electronic money B to users, and electronic money business c operates the electronic money business system 15 and provides electronic money C to users.

The parent-child account transfer system 16 transmits charge amount transfer data to the bank system instructing a transfer from the corporate child account to the electronic money child account based on the received salary allocation data. The parent-child account transfer system 16 then generates a charge amount transfer completion report based on the charge amount transfer processing result received from the bank system 11 and transmits it to the information processing device 10 and/or the corporate system 12. The parent-child account transfer system 16 also transmits salary transfer data to the bank system instructing the salary transfer processing based on the received salary allocation data. The parent-child account transfer system 16 then generates a salary transfer completion report based on the salary transfer processing result received from the bank system 11 and transmits it to the information processing device 10 and/or the corporate system 12.

Each electronic money business operator and company is assumed to have registered as a user in advance in the parent-child account transfer system 16. For example, company D and electronic money business operators b and c are assumed to have registered information such as their company names and accounts to be used. When users register, the parent-child account transfer system 16 assigns a unique identification number (hereinafter simply referred to as a parent-child account user ID) to each electronic money business operator and company.

The parent-child account transfer system 16 can associate accounts and account information (i.e., child accounts and child account information) registered by each electronic money business operator and each company with an account owned by the company providing the parent-child account transfer system 16 (hereinafter simply referred to as a parent account). An account associated with a parent account is referred to as a child account. Hereinafter, in this specification, when simply referred to as a "child account," it refers to both a corporate child account and an electronic money child account.

Each electronic money business operator and company can grant the parent-child account transfer system 16 the authority to use a child account within a specified scope. The parent-child account transfer system 16 that has been granted the authority to use a child account can instruct the bank system 11 to perform a transfer process from the company child account to the electronic money child account (send charge amount transfer data). As long as it does not deviate from the gist of this application, any scope of authority to use a child account granted by each electronic money business operator and company to the parent-child account transfer system 16 may be applied.

The parent-child account transfer system 16 may provide information such as account information for parent accounts and child accounts, the names of the companies that own each account, and parent-child account user IDs assigned to each company to the information processing device 10, the bank system 11, the company system 12, and the electronic money business systems 14 and 15. The information processing device 10 may register information such as the parent accounts and child accounts, company names, and identification numbers (parent-child account user IDs) provided by the parent-child account transfer system 16 in the parent-child account DB 208.

For purposes of explanation, the parent-child account transfer system 16 is described herein and in FIG. 1 and elsewhere as being independent of the bank system 11, but for example, the parent-child account transfer system 16 may be incorporated into the bank system 11. The parent-child account transfer system 16 may also be a multiple account linking function and/or system for linking multiple accounts to one account (such as the function/system for relating a parent account to a child account as described above). Any multiple account linking function and/or system may be applied to the present invention as long as it does not deviate from the gist of the present application, and the present invention is not limited to any particular multiple account linking function and/or system.

For the purpose of explanation in this specification, it is assumed that the charge amount specified by the user is transferred directly from the corporate child account to the electronic money child account, but the transfer of the charge amount may be performed indirectly via the parent account. For example, when the charge amount is transferred from the corporate child account to the electronic money child account, security risks are a concern. Taking such risks and situations into consideration, a transfer process may be performed from the corporate child account to the parent account, and then a transfer process may be performed from the parent account to the electronic money child account. The charge amount may be moved from the corporate child account to the electronic money child account by any route as long as it does not deviate from the gist of this application.

(System Configuration)
Fig. 2 is a system configuration diagram of the information processing device 10 according to the embodiment of the present invention. As shown in Fig. 2, the information processing device 10 includes a control unit 201, a main memory unit 202, an auxiliary memory unit 203, an interface (IF) unit 204, and an output unit 205, which are interconnected by a bus 209 or the like, like a general computer. The information processing device 10 includes an account DB 206 and a charge amount DB 207 in the form of a file/database or the like.

The control unit 201, also called a central processing unit (CPU), controls each component of the information processing device 10 and performs data calculations, and also reads out various programs stored in the auxiliary storage unit 203 into the main storage unit 202 for execution. The main storage unit 202, also called a main memory, stores various received data, computer-executable instructions, and data after calculation processing based on the instructions. The auxiliary storage unit 203 is a storage device such as a hard disk drive (HDD), and is used for long-term storage of data and programs.

The embodiment in FIG. 2 describes an embodiment in which the control unit 201, main memory unit 202, and auxiliary memory unit 203 are provided inside the same computer, but in another embodiment, the information processing device 10 can be configured to realize parallel distributed processing by multiple computers by using multiple control units 201, main memory units 202, and auxiliary memory units 203. In another embodiment, it is also possible to install multiple servers for the information processing device 10, and have the multiple servers share a single auxiliary memory unit 203.

The IF unit 204 acts as an interface when sending and receiving data with other systems and devices, and also provides an interface that accepts various commands and input data (various masters, tables, etc.) from the system operator. The output unit 205 provides a display screen that displays the processed data and a printing means for printing the data.

Account DB206 stores user accounts (user IDs) assigned to users and information associated with the user accounts. FIG. 3 is a diagram showing an example of the data structure of account DB206 according to an embodiment of the present invention. Account DB206 can include user account 300, and financial institution code 301, store number 302, account number 303, user information 304, and electronic money account 305 associated with user account 300, but is not limited to these data items and can also include other data items. Financial institution code 301, store number 302, account number 303, user information 304, and electronic money account 305 can be stored in account DB206 based on information included in the above-mentioned user account registration request. In addition, some or all of the information stored in account DB206 can also be stored in charge amount DB207 and parent-child account DB208 described below.

User account 300 indicates a user account (user ID, e.g., a unique identification number) assigned to each user, and can be used to identify each user. Financial institution code 301 is an identifier of the financial institution, and corresponds to a unified financial institution code assigned to each financial institution by the Japan Bankers Association. Branch number 302 is an identifier indicating a branch predetermined for each financial institution. Account number 303 is the account number of the account used by the user. User information 304 includes information such as the user's name, kana name, gender, date of birth, address, contact information such as telephone number and email address, and login password (PW), but can also include other information. Electronic money account 305 indicates information regarding the electronic money account used by the user, and can be, for example, the user ID of the electronic money account assigned to the user by the electronic money business system.

Figure 4 is a diagram showing an example of the data structure of the charge amount DB 207 according to an embodiment of the present invention. The charge amount DB 207 can include a user account 300, an electronic money account 305, a main account number 401, a sub-account number 402, a sub-account transfer amount 403, an electronic money type 404, a charge amount 405, a charge date and time 406, a transfer amount 407, and a transfer date and time 408, but is not limited to these data items and can include other data items. The information stored in the charge amount DB 207 is associated with the user account 300 of each user. The user account 300 and the electronic money account 305 are as described above with reference to Figure 3, so their explanation is omitted. The main account number 401 indicates the account number into which the user's salary is mainly transferred, and may be the same as the account number registered in the account number 303, or may be a different account number. The sub-account number 402 indicates the account number of the sub-account. The sub-account transfer amount 403 indicates the amount desired to be transferred to the sub-account specified by the user. Electronic money type 404 indicates the type of electronic money specified by the user. Charge amount 405 indicates the charge amount of electronic money specified by the user. Charge date and time 406 indicates the date and time when the electronic money was charged. Transfer amount 407 indicates the amount transferred from the corporate child account to the electronic money child account. Transfer date and time 408 indicates the date and time when the transfer process was performed. In addition, some or all of the information stored in charge amount DB 207 may also be stored in parent-child account DB 208, which will be described later.

Figure 5 is a diagram showing an example of the data structure of the parent-child account DB 208 according to an embodiment of the present invention. The parent-child account DB 208 can include a parent-child account user ID 501, a company name 502, a company child account number 503, an electronic money child account number 504, a parent account number 505, a user account 300, a transfer amount 407, and a transfer date and time 408, but is not limited to these data items and can also include other data items. The parent-child account user ID 501 is a unique identification number assigned to each electronic money business operator and each company that uses the parent-child account transfer system 16. The company name 502 is the company name of each electronic money business operator and each company that uses the parent-child account transfer system 16. The company child account number 503 is the account number of the company child account registered by each company in the parent-child account transfer system 16. The electronic money child account number 504 is the account number of the electronic money child account registered by each electronic money business operator in the parent-child account transfer system 16. Parent account number 505 is the number of an account owned by parent-child account transfer system 16, and is registered in association with company child account number 503 and electronic money child account number 504. User account 300, transfer amount 407, and transfer date and time 408 are as described above with reference to FIG. 4, and therefore will not be described here. As described above, information provided from parent-child account transfer system 16 to information processing device 10 is registered in parent-child account DB 208 as parent-child account user ID 501, company name 502, company child account number 503, electronic money child account number 504, and parent account number 505.

(Opening a user account)
Below, an overview of how to open a user account in the information processing device 10 will be described.

The user sends a user account registration request to the information processing device 10 via the user terminal 13. The user account registration request includes one or more pieces of information, such as a financial institution code, a financial institution branch number, an account number, user information, and an electronic money account used by the user. User information includes, for example, name, kana name, gender, date of birth, address, contact information such as a telephone number and an email address, and a login password (PW). The multiple financial institution codes, branch numbers, and/or account numbers included in the user account registration request can be registered in the information processing device 10 as a main account and a sub-account. Which account to register as the main account and which account to register as the sub-account can be determined by the user's instructions.

In response to a user's request to register a user account, the information processing device 10 generates a user account and transmits it to the user terminal 13. The user account can be used to log in to the information processing device 10. The user account may be provided by the user terminal 13 and/or the information processing device 10 to the bank system 11, the corporate system 12, the electronic money business systems 14 and 15, and/or the parent-child account transfer system 16.

As described above, the corporate system 12 may specify the bank to which the salary is paid and the electronic money to which the charge is made. Therefore, the information processing device 10 may be configured not to accept a user account registration request that includes a bank account or electronic money account other than that specified by the corporate system 12, if the user account registration request includes a bank account or electronic money account other than that specified by the corporate system 12. Alternatively, the information processing device 10 may be configured to inquire of the corporate system 12, when a bank or electronic money other than that specified by the corporate system 12 is included in the user account registration request, whether or not to newly register that bank as the salary payment method and that electronic money as the electronic money to which the charge is made.

The generated user account is registered in the account DB 206. Information associated with the generated user account, such as financial institution code 301, branch number 302, account number 303, user information 304, and electronic money account 305, is also stored in the account DB 206. Information such as financial institution code 301, branch number 302, account number 303, user information 304, and electronic money account 305 is based on information included in the user account registration request.

As described above, a user account is assigned to a user, and thereafter, the user can use the user account as a user ID to log in to the information processing device 10 and use various services provided by the information processing device 10. Furthermore, the information processing device 10 can execute update and deletion processes for user account information in response to a request from the user terminal 13.

In addition, a company can open a company-specific account (hereinafter, simply referred to as a company account). The process for opening the account is basically the same as that for opening a user account, so a description will be omitted. The company system 12 can log in to the information processing device 10 using the company account, for example, via a company-specific application or website. The company system 12 can register a salary payment method and electronic money to be charged to the information processing device 10 at the same time as or after opening the company account. In addition, the company system 12 can register the salary amount of each employee in the information processing device 10. Based on the salary amount registered by the company system 12, the information processing device 10 can generate salary allocation data and transmit the salary allocation data to the parent-child account transfer system 16 in response to the arrival of a specified day.

(Registration of means of receiving salary)
In this specification, it is assumed that the corporate system 12 designates bank A as a means of paying salary, and designates electronic money B and C as electronic money to be charged (registered in the information processing device 10). In addition, in this specification, it is assumed that user a has registered in the information processing device 10 his/her own bank accounts A1 and A2 opened in bank A as a means of receiving salary, and electronic money account B1 used for electronic money B and electronic money account C1 used for electronic money C as electronic money to be charged. In addition, it is assumed that company D has registered its own bank account A3 opened in bank A as a corporate child account in the parent-child account transfer system 16. In addition, it is assumed that electronic money business operator b has registered its own bank account A4 opened in bank A, and electronic money business operator c has registered its own bank account A5 opened in bank A as an electronic money child account in the parent-child account transfer system 16.

(Process flow: Charge amount registration process)
6 is a flow diagram for explaining the electronic money charge amount registration process according to the present invention. For the purpose of explanation, the flow described below will be described as a flow in which user a specifies the amount of salary he/she wants to receive from the next month's salary to the sub-account via the user terminal 13, and specifies the type and amount of electronic money to be charged in response to the salary payment date. For the purpose of explanation, it is also assumed that the salary to be paid to user a next month is 300,000 yen, and user a has registered the account number of bank account A1 as the main account number 401 and the account number of bank account A2 as the sub-account number 402 in the information processing device 10.

At S601, in response to an access from the user terminal 13, the information processing device 10 transmits information on the salary receiving means registered in association with the user account 300 (hereinafter simply referred to as salary allocation candidate information) to the user terminal 13. The salary allocation candidate information may include, for example, the electronic money account 305, the main account number 401, the sub-account number 402, etc. Here, it is assumed that information on user a's bank accounts A1 and A2, and electronic money accounts B1 and C1 has been transmitted to the user terminal 13.

Figure 7 is an example of candidate salary distribution information displayed on the screen of user terminal 13. In Figure 7, bank accounts A1 and A2, which are candidates for salary transfer destinations, and electronic money accounts B1 and C1, which are candidates for electronic money charge destinations, are displayed as receiving means. Also displayed are amount designation fields corresponding to each receiving means. In the amount designation field for bank account A1, "Main account" is displayed to indicate that bank account A1 is the main account. For the purposes of explanation in this specification, it will be explained as if no input is made into the amount designation field for the main account.

The user can input the desired transfer amount and the desired charge amount in each amount specification field of the salary allocation candidate information displayed on the screen of the user terminal 13. If the user does not input anything, the amount specification field will be blank or will display 0 yen or the like. The user terminal 13 sends the amount input by the user to the information processing device 10 as a salary allocation request. Here, it is assumed that user a inputs 20,000 yen in the amount specification field for bank account A2 and 50,000 yen in the amount specification field for electronic money account B1 via the user terminal 13, and then sends the salary allocation request to the information processing device 10.

At S602, the information processing device 10 updates the charge amount DB 207 based on the received salary allocation request. The information processing device 10 registers and updates information such as the sub-account transfer amount 403, electronic money type 404, and charge amount 405.

The above process allows the user to specify the amount of the next month's pay that they would like to receive in the sub-account, and also to specify the type and amount of electronic money to be charged in response to payday. As per the salary allocation process described below, the salary is deposited into the user's main account and sub-account on a specified day (e.g., payday), and the designated amount of electronic money is charged to the designated electronic money account. The transfer of the salary to the bank account and the charging of the electronic money to the electronic money account may be carried out in sequence or in parallel.

The amount entered in the amount specification field may be a specific amount such as 10,000 yen, or a percentage such as 10% of the salary deposited in the main account. It may also be a selection type of a predetermined amount. The means for entering information into the amount specification field and/or specifying the amount may be set arbitrarily by the business operator or operator providing the information processing device 10.

For the purpose of explanation, this specification describes the charging of electronic money in response to the payday, but the charging of electronic money may also be performed on a day other than the payday. For example, the above-mentioned salary allocation request may include information such as the desired charge date specified by the user, and the charging of electronic money may be performed in response to the desired charge date. The charging may be performed at any timing, time, and/or day as long as it does not deviate from the gist of the present application.

In another embodiment, after S602, the information processing device 10 may transmit some or all of the updated information in the charge amount DB 207 to the bank system 11, the corporate system 12, the electronic money business operators systems 14 and 15, and/or the parent-child account transfer system 16.

(Processing flow: Salary allocation processing)
8 is a flow diagram for explaining the salary allocation process according to the present invention. For the purpose of explanation in the flow explained below, it is assumed that user a has specified the transfer amount to bank account A2 as 20,000 yen and the charge amount to electronic money account B1 as 50,000 yen. Also, for the purpose of explanation, it is assumed that user a has received a salary payment of 300,000 yen from company D (transferring company) for which he works.

At S801, the information processing device 10 receives salary data from the enterprise system 12. The salary data is generated by the enterprise system 12 performing salary calculations for users (employees) including user a. The salary data may include, for example, information such as the user account 300 of each user provided in advance to the enterprise system 12 by the information processing device 10, the salary amount of each user (employee) calculated by the enterprise system 12, the parent-child account user ID 501, the company name 502, the company-child account number 503, and the parent account number 505.

In another embodiment, the information processing device 10 may identify the user account 300 stored in the charge amount DB 207 based on the user account 300 of each user included in the salary amount data. If a user account is not identified, or if information such as the electronic money type 404 and charge amount 405 is not registered in association with the identified user account, some or all of the processing may be terminated. For example, in the case of a user who does not wish to charge electronic money, the transfer processing described below and the charging of electronic money are not performed, and only the transfer processing to the user's account (main account or sub-account) is executed.

In yet another embodiment, the information processing device 10 may identify the parent-child account user ID 501 stored in the parent-child account DB 208 based on the parent-child account user ID 501 of each company and each electronic money business operator included in the salary amount data. If the parent-child account user ID 501 is not identified, or if a child account number is not registered in association with the identified parent-child account user ID 501, some or all of the processing may be terminated (for example, only the salary transfer processing may be executed, as described above).

At S802, in response to the arrival of a specified day, the information processing device 10 generates salary allocation data based on the received salary amount data, information registered in the charge amount DB 207, and/or information registered in the parent-child account DB 208. Next, the information processing device 10 transmits the salary allocation data to the parent-child account transfer system 16. The salary allocation data may include, for example, each user's user account 300, main account number 401, sub-account number 402, sub-account transfer amount 403, salary amount, electronic money account 305, electronic money type 404, charge amount 405, parent-child account user ID 501, company name 502, company child account number 503, electronic money child account number 504, parent account number 505, etc.

Based on the received salary allocation data, the parent-child account transfer system 16 generates charge amount transfer data and/or salary transfer data and transmits them to the bank system 11. The charge amount transfer data is instruction data for instructing a transfer process from the company child account to the electronic money child account, and the salary transfer data is instruction data for instructing a transfer process from the transfer source company's account to the user's account. For the purpose of explanation in this specification, the charge amount transfer data and the salary transfer data are described as separate instruction data, but instruction data including instructions for both the transfer process and the transfer process may be transmitted to the bank system 11. Charge amount transfer data and/or salary transfer data may include, for example, user account 300, main account number 401, sub-account number 402, sub-account transfer amount 403, salary amount, electronic money account 305, electronic money type 404, charge amount 405, parent-child account user ID 501, company name 502, company child account number 503, electronic money child account number 504, parent account number 505, etc.

Based on the received charge amount transfer data, the bank system 11 performs a transfer process from the company sub-account to the electronic money sub-account on a specified day. Also, based on the received salary transfer data, the bank system 11 performs a transfer process from the transfer source company's account to the user's account on a specified day. Here, it is assumed that the charge amount of 50,000 yen specified by user a has been transferred from company D's sub-account (bank account A3) to electronic money operator b's sub-account (bank account A4). Also, based on user a's specifications, it is assumed that of the salary of 300,000 yen paid to user a, 230,000 yen has been transferred to user a's main account (bank account A1) and 20,000 yen has been transferred to user a's sub-account (bank account A2).

The bank system 11 transmits the result of the charge amount transfer process and/or the result of the salary transfer process to the parent-child account transfer system 16. The result of the charge amount transfer process and/or the result of the salary transfer process may include information such as, for example, each user's user account 300, the amount transferred to the user's account (to the main account and sub-account), the transfer date and time, the amount transferred to the electronic money sub-account, the transfer date and time, the company sub-account number 503, the electronic money sub-account number 504, the electronic money account 305, the electronic money type 404, the charge amount 405, etc.

The charge amount transfer process and the salary transfer process may be executed in sequence or in parallel. As long as it does not deviate from the gist of the present application, the charge amount transfer process and the salary transfer process may be executed at any timing or in any order.

Based on the charge amount transfer processing result and/or salary transfer processing result received, the parent-child account transfer system 16 may transmit a charge amount transfer completion report and/or a salary transfer completion report to the information processing device 10 and/or the corporate system 12. The charge amount transfer completion report and/or salary transfer completion report may include information such as, for example, each user's user account 300, the amount transferred to the user's account (to the main account and sub-account), the transfer date and time, the amount transferred to the electronic money sub-account, the transfer date and time, the corporate sub-account number 503, the electronic money sub-account number 504, the electronic money account 305, the electronic money type 404, and the charge amount 405.

At S803, the information processing device 10 generates charge instruction data based on the received charge amount transfer completion report. Next, the information processing device 10 transmits the generated charge instruction data to the electronic money business system 14 and/or 15. The charge instruction data is data that instructs charging the user's electronic money account. Based on the charge amount transfer completion report, the information processing device 10 may register and/or update various data items (e.g., transfer amount 407 and transfer date and time 408, etc.) of the charge amount DB 207.

The charge instruction data may include information such as the user account 300, electronic money account 305, electronic money type 404, charge amount 405, transfer amount 407, and transfer date and time 408. Here, since user a has specified the charge amount to electronic money account B1 as 50,000 yen, it is assumed that the information processing device 10 has transmitted the charge instruction data to the electronic money business system 14.

If user a wishes to charge electronic money account C1 as well as electronic money account B1, charge instruction data is also sent to electronic money business system 15. If user a wishes to charge only electronic money account C1, charge instruction data may be sent only to electronic money business system 15.

The electronic money business system 14 identifies the user's electronic money account B1 based on the electronic money account 305 included in the charge instruction data, and charges electronic money B for the amount specified in the charge amount 405. Here, it is assumed that 50,000 yen worth of electronic money B has been charged to the electronic money account B1 of user a. Next, the electronic money business system 14 transmits the result of the charge process to the information processing device 10. The result of the charge process may include information such as the user account 300, the electronic money account 305, the electronic money type 404, the charge amount 405, and the date and time when the charge was performed. If the charge instruction data has been transmitted to the electronic money business system 15, the electronic money business system 15 will execute the same process as the electronic money business system 14.

At S804, the information processing device 10 notifies the user terminal 13 that the charge of electronic money has been completed based on the received charge processing result. The information processing device 10 may also register and/or update the charge date and time 406 in the charge amount DB 207 based on information such as the date and time when the charge was performed that is included in the received charge processing result.

Through the above process, in response to payday, funds equivalent to the charge amount specified by the user are transferred from the company sub-account to the electronic money sub-account, and the specified amount of electronic money is charged to the user's electronic money account. Therefore, even if the user (employee) does not charge the electronic money themselves, the specified amount of electronic money will be charged to the specified electronic money account on a specific day such as payday.

Any account may be registered as a main account as long as it does not deviate from the scope of the present application. Also, for the purpose of explanation, one main account and one sub-account have been described, but there may be one or more main accounts and one or more sub-accounts as long as it does not deviate from the scope of the present application.

For the purpose of explanation, two types of electronic money, B and C, have been described in this specification, but fewer or more types of electronic money may be applied to the present invention without departing from the spirit and scope of the present application.

The principles of the present invention have been described above with reference to exemplary embodiments, but those skilled in the art will understand that various embodiments that change the configuration and details can be realized without departing from the gist of the present invention. In other words, the present invention can be embodied, for example, as a system, device, method, program, or storage medium.

10 Information processing device 11 Bank system 12 Corporate system 13 User terminal 14 Electronic money business operator system 15 Electronic money business operator system 16 Parent-child account transfer system 201 Control unit 202 Main memory unit 203 Auxiliary memory unit 204 IF unit 205 Output unit 206 Account DB
207 Charge amount DB
208 Parent-child account DB
300 User account 305 Electronic money account

Claims (9)

a salary data receiving means for receiving salary data, the salary data including information on a user's salary;
A salary allocation data generating means for generating salary allocation data based on the salary amount data, the charge amount database, and/or the parent-child account database;
A salary allocation data transmission means for transmitting the salary allocation data to a parent-child account transfer system;
a charge amount transfer completion report receiving means for receiving a charge amount transfer completion report from the parent-child account transfer system;
a charge instruction data generating means for generating charge instruction data for instructing an electronic money business system to charge electronic money to one or more electronic money accounts of the user based on the charge amount transfer completion report;
a charge instruction data transmission means for transmitting the charge instruction data to the electronic money business system;
An information processing device comprising: the salary data includes a user account for the user;
The salary amount data receiving means includes:
a user account specifying means for specifying a corresponding user account from the charge amount database based on the user account, the charge amount database storing information on one or more electronic money accounts associated with the user account and charge amounts to the one or more electronic money accounts;
Including,
The information processing device according to claim 1 . The parent-child account database includes:
A parent account associated with the parent-child account transfer system;
The electronic money business system includes a sub-account of the company where the user works, and a sub-account of the electronic money business that provides the electronic money business system.
The information of the company child account and the electronic money child account is associated with the information of the parent account.
The information processing device according to claim 2 . The salary allocation data includes information on the one or more electronic money accounts, the charge amount, the company sub-account, and the electronic money sub-account.
The information processing device according to claim 3 . a salary allocation candidate information sending means for sending salary allocation candidate information including information on one or more electronic money accounts of the user to a user terminal;
A salary allocation request receiving means for receiving a salary allocation request from the user terminal;
and a database update means for updating the charge amount database based on the salary allocation request.
The information processing device according to claim 4. the salary allocation request includes information on an electronic money account designated by the user from among the one or more electronic money accounts and the amount of charge to the designated electronic money account;
The information processing device according to claim 5 . The salary distribution candidate information further includes one or more account numbers of the user,
The salary allocation request further includes an account number designated by the user from the one or more account numbers and a desired transfer amount to the designated account number.
The information processing device according to claim 6. A method executed by an information processing device, comprising:
receiving salary data, the salary data including salary information of a user;
generating salary allocation data based on the salary amount data, the charge amount database, and/or the parent-child account database;
Transmitting the salary allocation data to a parent-child account transfer system;
receiving a charge amount transfer completion report from the parent-child account transfer system;
generating charge instruction data for instructing an electronic money business system to charge electronic money to one or more electronic money accounts of the user based on the charge amount transfer completion report;
Transmitting the charge instruction data to the electronic money business system;
A method comprising: A system for charging electronic money, comprising:
The system includes an information processing device, a parent-child account transfer system, a bank system, and an electronic money business system,
The information processing device includes:
a salary data receiving means for receiving salary data, the salary data including information on a user's salary;
A salary allocation data generating means for generating salary allocation data based on the salary amount data, the charge amount database, and/or the parent-child account database;
A salary allocation data transmission means for transmitting the salary allocation data to the parent-child account transfer system;
a charge amount transfer completion report receiving means for receiving a charge amount transfer completion report from the parent-child account transfer system;
a charge instruction data generating means for generating charge instruction data for instructing the electronic money business system to charge electronic money to one or more electronic money accounts of the user based on the charge amount transfer completion report;
a charge instruction data transmission means for transmitting the charge instruction data to the electronic money business system;
Equipped with
The parent-child account transfer system includes:
A salary allocation data receiving means for receiving the salary allocation data;
A charge amount transfer data generating means for generating charge amount transfer data that instructs the bank system to transfer funds equivalent to the charge amount from the company sub-account to the electronic money sub-account based on the salary allocation data;
a charge amount transfer data transmission means for transmitting the charge amount transfer data to the bank system;
a charge amount transfer processing result receiving means for receiving a charge amount transfer processing result;
a charge amount transfer completion report sending means for sending the charge amount transfer completion report to the information processing device based on the charge amount transfer processing result;
A salary transfer data generating means for generating salary transfer data based on the salary allocation data;
A salary transfer data transmission means for transmitting the salary transfer data to the bank system;
Equipped with
The bank system includes:
a charge amount transfer data receiving means for receiving the charge amount transfer data;
a charge amount transfer processing means for executing a transfer process of an amount equivalent to the charge amount from the company sub-account to the electronic money sub-account based on the charge amount transfer data;
a charge amount transfer processing result sending means for sending the charge amount transfer processing result to the parent-child account transfer system based on the execution of the transfer processing;
A salary transfer data receiving means for receiving the salary transfer data;
a salary transfer processing means for transferring a salary from a predetermined account of the company where the user works to one or more accounts of the user based on the salary transfer data;
Equipped with
The electronic money business system includes:
A charge instruction data receiving means for receiving the charge instruction data;
and an electronic money charging means for charging electronic money to the one or more electronic money accounts of the user based on the charging instruction data.

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