JP7453440B1 - Information processing device, method, and system - Google Patents

Abstract

An object of the present invention is to provide an information processing device, method, and system for realizing electronic money charging. [Solution] A salary amount data receiving means that receives salary amount data; a salary distribution data generating means that generates salary distribution data based on the salary amount data, a charge amount database, and/or a parent-child account database; , a salary distribution data transmission means for transmitting salary distribution data to the parent-child account transfer system; a charge amount transfer completion report receiving means for receiving a charge amount transfer completion report; and a charge amount transfer completion report receiving means for receiving a charge amount transfer completion report; A charging instruction data generating means for generating charging instruction data for instructing an electronic money operator system to charge electronic money to an electronic money account; and a charging instruction data transmitting means for transmitting charging instruction data to the electronic money operator system. , an information processing device, method, and system. [Selection diagram] Figure 8

Description

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

Traditionally, wages have been paid by hand or by transfer to a bank account, in accordance with the Labor Standards Act and an ordinance of the Ministry of Health, Labor and Welfare. However, at the 181st Working Conditions Subcommittee of the Labor Policy Council held in October 2022, the Ministry of Health, Labor and Welfare announced that the ban on salary payments using electronic money (so-called digital salary payments) will be lifted from April 2023. showed that. Therefore, from April 2023, under the system, companies that pay salaries will be able to designate personal electronic money accounts to make salary payments, and salary recipients will be able to directly receive their salaries as electronic money. becomes possible. In light of this current situation, a technique has been devised to further promote the use of electronic money paid as salary (Patent Document 1).

Patent No. 7140901

By the way, when paying salaries using electronic money, it is required that the recipient of the salary also be able to select the option of paying the salary to a bank account or the like. However, the technology of Patent Document 1 does not provide a method for paying employees both in cash and electronic money as a salary payment means. Furthermore, currently no such method exists, nor any alternative means or methods. Therefore, even if it becomes possible to pay salaries using electronic money, companies that pay salaries cannot pay employees in both cash and electronic money. As a result, when employees wish to use electronic money, they must charge electronic money themselves, which is inconvenient for users.

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

An information processing device that is one aspect of the present invention includes a salary data receiving unit that receives salary data, the salary data including information on a user's salary, and a salary data receiving unit that receives salary data. , a salary distribution data generation means for generating salary distribution data based on the charge amount database and/or the parent-child account database, and a salary distribution data transmission means for transmitting the salary distribution data to the parent-child account transfer system. and a charge amount transfer completion report receiving means for receiving a charge amount transfer completion report from the parent-child account transfer system, and charging electronic money to one or more electronic money accounts of the user based on the charge amount transfer completion report. A charge instruction data generating means for generating charge instruction data for instructing an electronic money operator system, and a charge instruction data transmitting means for transmitting charge instruction data to the electronic money operator system. .

A method according to an aspect of the present invention includes receiving salary amount data, the salary amount data including information on a user's salary amount, and the salary amount data, a charge amount database, and/or a parent/child amount database. Generating salary distribution data based on the account database, transmitting the salary distribution data to the parent-child account transfer system, receiving a charge amount transfer completion report from the parent-child account transfer system, and Generate charging 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 amount transfer completion report, and send the charging instruction data to the electronic money business. It is characterized by having the following features:

A system that is one aspect of the present invention includes an information processing device, a parent-child account transfer system, a bank system, and an electronic money business system, and the information processing device includes a salary data receiving unit that receives salary data. The salary amount data includes information on the user's salary amount, and salary distribution data is generated based on the salary amount data receiving means, the salary amount data, the charge amount database, and/or the parent-child account database. A salary distribution data generation means, a salary distribution data transmission means for transmitting the salary distribution data to the parent-child account transfer system, and a charge amount transfer completion report receiving means for receiving a charge amount transfer completion report from the parent-child account transfer system. and charge instruction data generation 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; A charge instruction data transmitting means for transmitting charge instruction data to an electronic money business operator system; a charge amount transfer data generation means for generating charge amount transfer data that instructs the bank system to transfer funds equivalent to the charge amount from the corporate child account to the electronic money child account; A charge amount transfer data transmission means that transmits the charge amount transfer data to the system, a charge amount transfer processing result receiving means that receives the charge amount transfer processing result, and a charge amount transfer completion report to the information processing device based on the charge amount transfer processing result. A charge amount transfer completion report transmitting means for transmitting, a salary transfer data generating means for generating salary transfer data based on the salary distribution data, and a salary transfer data transmitting means for transmitting the salary transfer data to a banking system. The banking system includes a charge amount transfer data receiving means for receiving the charge amount transfer data, and transfers an amount equivalent to the charge amount from the corporate child account to the electronic money child account based on the charge amount transfer data. A charge amount transfer processing means for executing the process, a charge amount transfer processing result transmitting means for transmitting the charge amount transfer processing result to the parent-child account transfer system based on the execution of the transfer process, and a charge amount transfer processing result transmission means for transmitting salary transfer data. Salary transfer data receiving means for receiving salary transfer data; salary transfer processing means for executing salary transfer processing 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; The electronic money operator system includes a charging instruction data receiving means for receiving charging instruction data, and charges electronic money to one or more electronic money accounts of the user based on the charging instruction data. , and an electronic money charging means.

According to the present invention, it becomes possible to charge electronic money to one or more electronic money accounts.

A detailed understanding of the embodiments disclosed herein can be obtained from the following description, illustrated in conjunction with the accompanying drawings.
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. It is a diagram showing an example of a data structure of an account DB 206 according to an embodiment of the present invention. It is a figure showing an example of the data structure of charge amount DB207 concerning an embodiment of the present invention. It is a diagram showing an example of a data structure of a parent-child account DB 208 according to an embodiment of the present invention. FIG. 3 is a flow diagram illustrating charge amount registration processing according to the present invention. It is an example of salary distribution candidate information displayed on the screen of the user terminal 13 according to the present invention. FIG. 3 is a flow diagram illustrating salary distribution processing according to the present invention.

In this specification, a "bank" refers to a financial institution (e.g., a bank, (Shinkin banks, credit unions, labor banks, agricultural cooperatives, etc.).

In this specification, "electronic money" refers to a system (Kojien 7th edition) that records monetary value as digital data on an IC card or a server connected to the Internet, and exchanges monetary value electronically. However, the concept of electronic money includes reloadable electronic payment means, but is not limited to specific services. Electronic money payments may be made via a physical medium such as an IC card, may be made via a predetermined application stored on the user equipment, or the user equipment may be used for in-store payments. This may be done by reading a code or by having a device at the store read a payment code displayed on the user device, and is not particularly limited.

(overall structure)
FIG. 1 shows a system including an information processing device 10, a bank system 11, a company system 12, a user terminal 13, electronic money business systems 14 and 15, a parent-child account transfer system 16, and a network 17 according to an embodiment of the present invention. It is an overall configuration diagram. FIG. 1 is just an example, and the number of each element other than that shown in FIG. 1 may exist.

As shown in FIG. communicatively connected to.

In response to a user account registration request from the user terminal 13, the information processing device 10 allocates a user account to a user (employee) and transmits the allocated user account to the user terminal 13. The user ID for logging into the information processing device 10 may be the user account itself, or may be any user ID associated with the user account. For purposes of explanation, a user account is described herein as a user ID (eg, a unique identification number) assigned to each user. Hereinafter, when a user account is simply referred to as a user account, it is a user ID (for example, 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 system. Information on each user's user account may be provided by the information processing device 10 to the bank system 11, the company 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 distribution data based on the salary amount data received from the corporate system 12 and transmits it to the parent-child account transfer system 16 . The information processing device 10 receives the charge amount transfer completion report from the parent-child account transfer system 16, generates charge instruction data based on the charge amount transfer completion report, and sends it to the electronic money business system 14 and/or 15. Send.

The bank system 11 has an accounting system, and the accounting system has corporate and individual accounts. 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 the salary transfer process result to the information processing device 10 to notify the completion of the transfer. The salary transfer processing 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. Furthermore, based on the received charge amount transfer data, the bank system 11 transfers funds equivalent to the charge amount specified by the user from the company's account (company subsidiary account) to the electronic money provider's account (electronic money subsidiary account). Execute the transfer process to. Details of the child account will be described later. When the transfer process is completed, the bank system 11 transmits the charge amount transfer process result to the parent-child account transfer system 16, which notifies the completion of the transfer. The processing results include 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 will be assumed herein that banking system 11 is managed and operated by Bank A.

The corporate system 12 can manage employee attendance, calculate salaries, and register the calculated salary amount and each employee in the information processing device 10 . Corporate system 12 may be configured to electronically receive remittance information from employees. Further, the corporate system 12 may provide the information processing device 10 with information regarding the means of paying salary and the electronic money to be charged. For example, by registering in the information processing device 10 the bank for receiving salary and the electronic money to be charged, it is possible to specify the salary payment means and the electronic money to be charged. Multiple types of banks and electronic money can be specified as the bank for receiving salary and electronic money for charging. Further, as described later, the corporate system 12 provides child account information for transfer to the parent-child account transfer system 16. For purposes of explanation, it will be assumed herein that enterprise system 12 is managed and operated by enterprise D.

User terminal 13 is any type of device capable of operating in a wired or wireless environment. In this specification, for the purpose of explanation, the user terminal 13 will be described as a smartphone, but any device may be applied to the present invention as long as it does not depart from the gist 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 regarding the electronic money account used by the user. The information included in the above user account registration request is stored in the user account DB (account DB 206 in FIG. 2) in association with the user account assigned to the user. The user terminal 13 logs into the information processing apparatus 10 using the user account and transmits various requests and instructions such as a salary distribution request to the information processing apparatus 10. The user terminal 13 also specifies the main account that receives the salary, the account that receives part of the salary apart from the main account (hereinafter simply referred to as a subaccount), the type of electronic money that you want to charge, and the amount that you want to charge. A salary distribution request is sent to the information processing device 10.

The electronic money business systems 14 and 15 identify the user's electronic money account based on the charging instruction data received from the information processing device 10, and transfer a specified amount of electronic money to the identified electronic money account. Charge. Furthermore, as will be described later, the electronic money business systems 14 and 15 have 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. In this specification, for the purpose of explanation, electronic money business operator b operates the electronic money business system 14 to provide electronic money B to users, and electronic money business operator c operates the electronic money business system 15. Assume that the company operates a company that provides electronic money C to users.

Based on the received salary distribution data, the parent-child account transfer system 16 transmits charge amount transfer data that instructs transfer from the company's child account to the electronic money child account to the bank system. Thereafter, the parent-child account transfer system 16 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. Further, the parent-child account transfer system 16 transmits salary transfer data that instructs salary transfer processing to the bank system based on the received salary distribution data. Thereafter, the parent-child account transfer system 16 generates a salary transfer completion report based on the salary transfer processing result received from the bank system 11 and sends it to the information processing device 10 and/or the corporate system 12.

It is assumed that each electronic money business operator and each company has registered as a user in the parent-child account transfer system 16 in advance. For example, assume that company D and electronic money businesses b and c have registered information such as the company name and the accounts they use. The parent-child account transfer system 16 assigns a unique identification number (hereinafter simply referred to as parent-child account user ID) to each electronic money business operator and each company during user registration.

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

Each electronic money business operator and each company can grant the authority to use child accounts to the parent-child account transfer system 16 within a predetermined range. The parent-child account transfer system 16 that has been given the authority to use the child account can instruct the bank system 11 to process a transfer from the corporate child account to the electronic money child account (send charge amount transfer data). be. As long as it does not depart from the gist of the present application, any range of authority to use child accounts may be applied from each electronic money business operator and each company to the parent-child account transfer system 16.

The parent-child account transfer system 16 transfers information such as the account information of the parent account and the child account, the company name of the company that owns each account, and the parent-child account user ID assigned to each company to the information processing device 10, the bank It can be provided to system 11, company system 12, and electronic money operator systems 14 and 15. The information processing device 10 can register information provided from the parent-child account transfer system 16, such as the parent account, child account, company name, identification number (parent-child account user ID), into the parent-child account DB 208.

For illustrative purposes, parent-child account transfer system 16 is depicted as being independent of banking system 11 herein, and in FIG. Good too. In addition, the parent-child account transfer system 16 includes a multiple account linking function and/or system (a function/system for linking a parent account to a child account as described above) for linking multiple accounts to one account. obtain. Any multiple account linking function and/or system may be applied to the present invention without departing from the gist of the present application, and the present invention is not limited to a specific 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 charge amount is transferred indirectly via the parent account. It's okay. For example, when the charge amount is transferred from a corporate subsidiary account to an electronic money subsidiary account, security risks are a concern. Taking such risks and situations into consideration, a transfer process may be performed from a corporate child account to a parent account, and then a transfer process may be performed from the parent account to an electronic money child account. The charge amount may be transferred from the corporate subsidiary account to the electronic money subsidiary account by any route as long as it does not depart from the gist of the present 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 storage unit 202, an auxiliary storage unit 203, and an interface (IF) unit 204, which are interconnected by a bus 209 or the like, similar to a general computer. , and an output section 205. 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 calculates data, and also stores various programs stored in the auxiliary storage unit 203 in the main storage unit 202. and execute it. The main storage unit 202 is also called main memory, and stores various received data, computer-executable instructions, data after arithmetic processing by the instructions, and the like. The auxiliary storage unit 203 is a storage device such as a hard disk (HDD), and is used for long-term storage of data and programs.

The embodiment of FIG. 2 describes an embodiment in which the control unit 201, the main storage unit 202, and the auxiliary storage unit 203 are provided inside the same computer. By using a plurality of main storage units 202 and auxiliary storage units 203, it is also possible to implement parallel distributed processing by a plurality of computers. Furthermore, as another embodiment, it is also possible to install a plurality of servers for the information processing device 10 and to make an embodiment in which the plurality of servers share one auxiliary storage unit 203.

The IF unit 204 serves as an interface for transmitting and receiving data with other systems and devices, and also provides an interface for receiving various commands and input data (various masters, tables, etc.) from the system operator. The output unit 205 provides a display screen for displaying processed data, a printing means for printing the data, and the like.

The account DB 206 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 the account DB 206 according to the embodiment of the present invention. The account DB 206 can include a user account 300 and a financial institution code 301, store number 302, account number 303, user information 304, and electronic money account 305, which are associated with the user account 300, but these data items It is not limited to , and can include other data items as well. Financial institution code 301, store number 302, account number 303, user information 304, and electronic money account 305 may be stored in account DB 206 based on the information included in the user account registration request described above. Further, a part or all of each information stored in the account DB 206 may also be stored in the charge amount DB 207 and the parent-child account DB 208, which will be described later.

User account 300 indicates a user account (user ID, eg, unique identification number) assigned to each user, and can be used to identify each user. The financial institution code 301 is an identifier of a financial institution, and corresponds to a unified financial institution code assigned to each financial institution by the Japan Bankers Association. The store number 302 is an identifier indicating a store 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, name in kana, gender, date of birth, address, contact information such as telephone number and e-mail address, and login password (PW), but may not include information other than these. is also possible. The electronic money account 305 indicates information regarding the electronic money account used by the user, and may be, for example, the user ID of the electronic money account assigned to the user by the electronic money business operator system.

FIG. 4 is a diagram showing an example of the data structure of the charge amount DB 207 according to the embodiment of the present invention. Charge amount DB 207 includes user account 300, electronic money account 305, main account number 401, sub-account number 402, sub-account transfer amount 403, electronic money type 404, charge amount 405, charge date and time 406, transfer amount 407, and transfer date and time. 408, but is not limited to these data items and may include other data items as well. Information stored in the charge amount DB 207 is associated with each user's user account 300. The user account 300 and the electronic money account 305 are as described above with reference to FIG. 3, so a description thereof will be omitted. The main account number 401 indicates the account number to 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. The 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 electronic money was charged. The transfer amount 407 indicates the amount transferred from the corporate child account to the electronic money child account. The transfer date and time 408 indicates the date and time when the transfer process was executed. Further, part or all of the information stored in the charge amount DB 207 may also be stored in the parent-child account DB 208, which will be described later.

FIG. 5 is a diagram showing an example of the data structure of the parent-child account DB 208 according to the embodiment of the present invention. The parent-child account DB 208 may include parent-child account user ID 501, company name 502, company child account number 503, electronic money child account number 504, parent account number 505, user account 300, transfer amount 407, and transfer date and time 408. However, it 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 use the parent-child account transfer system 16. The corporate child account number 503 is the account number of the corporate child account registered in the parent-child account transfer system 16 by each company. The electronic money child account number 504 is the account number of the electronic money child account registered in the parent-child account transfer system 16 by each electronic money business operator. The parent account number 505 is the number of an account owned by the parent-child account transfer system 16, and is registered in association with the corporate child account number 503 and the electronic money child account number 504. The user account 300, transfer amount 407, and transfer date and time 408 are the same as described above with reference to FIG. 4, so their explanation will be omitted. As described above, the information provided from the parent-child account transfer system 16 to the information processing device 10 includes the parent-child account user ID 501, the company name 502, the company child account number 503, the electronic money child account number 504, and the parent account number 505. is registered in the parent-child account DB 208.

(Opening a user account)
An overview of opening a user account in the information processing device 10 will be described below.

A user transmits 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 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. The user information includes, for example, a name, a name in kana, gender, date of birth, address, contact information such as a telephone number and e-mail address, and a login password (PW). A plurality of financial institution codes, store numbers, and/or account numbers included in the user account registration request may be registered in the information processing device 10 as a main account and a subaccount. 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 the user's user account registration request, 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 into 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 company system 12, the electronic money business systems 14 and 15, and/or the parent-child account transfer system 16.

As described above, the company system 12 can specify the bank to which the salary is to be paid and the electronic money to be charged. Therefore, the information processing device 10 may be configured not to accept the request when the corporate system 12 receives a user account registration request including an unspecified bank account or electronic money account. Alternatively, if a bank or electronic money not specified by the corporate system 12 is included in the user account registration request, the information processing device 10 uses that bank as a salary payment means and uses the electronic money as the electronic money to be charged. It may also be configured to inquire of the corporate system 12 whether or not to make a new registration.

The generated user account is registered in the account DB 206. Information associated with the generated user account, such as financial institution code 301, store number 302, account number 303, user information 304, and electronic money account 305, is also stored in account DB 206. Information such as the financial institution code 301, store 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 the 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. Further, the information processing device 10 can execute update processing and deletion processing of user account information in response to a request from the user terminal 13.

Additionally, companies can open a company-specific account (hereinafter simply referred to as a company account). The flow of opening is basically the same as opening a user account, so the explanation will be omitted. The company system 12 can log into the information processing device 10 using a company account, for example, via a company-specific application or website. The corporate system 12 can register salary payment means and electronic money to be charged in the information processing device 10 simultaneously with or after opening a corporate account. In addition, the corporate system 12 can register each employee's salary amount in the information processing device 10. Based on the salary amount registered by the corporate system 12, the information processing device 10 generates salary distribution data, and in response to a predetermined date, sends the salary distribution data to the parent-child account transfer system 16. Can be sent.

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

(Processing flow: Charge amount registration process)
FIG. 6 is a flowchart illustrating electronic money charge amount registration processing according to the present invention. In the flow described below, for the purpose of explanation, user a specifies the amount of salary that he/she wishes to receive in the sub-account from among the next month's salary through the user terminal 13, and receives the electronic charge that will be charged in response to the salary payment date. Enter the flow of specifying the type of money and the amount of electronic money. Also, for the purpose of explanation, the salary to be paid to user a next month is 300,000 yen, and user a uses 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, it is assumed that it is registered in the information processing apparatus 10.

In S601, in response to the access from the user terminal 13, the information processing device 10 sends information on salary receiving means registered in association with the user account 300 (hereinafter simply referred to as salary distribution candidate information) to the user. Send to terminal 13. The salary distribution candidate information may include, for example, an electronic money account 305, a main account number 401, a subaccount number 402, and the like. 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.

FIG. 7 is an example of salary distribution candidate information displayed on the screen of the user terminal 13. In FIG. 7, bank accounts A1 and A2, which are candidates for salary transfer, are displayed as receiving means, and electronic money accounts B1 and C1, which are candidates for charging electronic money, are displayed. Further, an amount specification column corresponding to each receiving method is displayed. In the amount specification field of bank account A1, "main account" is displayed to indicate that bank account A1 is the main account. For the purpose of explanation, this specification assumes that no input is made in the amount specification field for the main account.

The user can input the desired amount to be transferred and the desired amount to be charged in each amount specification field of the salary distribution candidate information displayed on the screen of the user terminal 13. If there is no input by the user, the amount specification column is blank or displays ¥0 or the like. The user terminal 13 transmits the amount input by the user to the information processing device 10 as a salary distribution request. Here, user a enters 20,000 yen in the amount specification field of bank account A2 and 50,000 yen in the amount specification field of electronic money account B1 via the user terminal 13, and sends the information to the information processing device 10. It is assumed that a salary distribution request has been sent.

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

Through the above-described process, the user can specify the salary amount that he/she wishes to receive in the sub-account from among the next month's salary, and also the type and amount of electronic money to be charged in response to the salary payment date. As per the salary distribution process described below, the salary will be transferred to the user's main account or sub-account on a predetermined day (for example, payday), and the specified amount of electronic money will be charged to the specified electronic money account. Become. Transferring salary to a bank account and charging electronic money to an electronic money account may be performed in sequence or may be performed 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 to be transferred to the main account. Alternatively, a selection formula of a predetermined amount may be used. The input to the amount specification field and/or the means for specifying the amount may be arbitrarily set by the business operator or operator that provides the information processing device 10.

Furthermore, for the purpose of explanation, in this specification, it will be explained that electronic money is charged in response to the salary payment date, but even if electronic money is charged on a day other than the salary payment date, good. For example, the above-mentioned salary distribution request may include information such as a desired charging date specified by the user, and charging of electronic money may be executed in response to the desired charging date. Charging may be performed at any timing, time, and/or day without departing from the scope of the present application.

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

(Processing flow: Salary distribution processing)
FIG. 8 is a flow diagram illustrating salary distribution processing according to the present invention. In the flow described below, for the purpose of explanation, it is assumed that user a specifies the amount to be transferred to bank account A2 as 20,000 yen, and the amount to be charged to electronic money account B1 as 50,000 yen. . Also, for the purpose of explanation, it is assumed that user a is paid a salary of 300,000 yen by company D (transfer source company) where he works.

In S801, the information processing device 10 receives salary amount data from the corporate system 12. Salary amount data is generated by the corporate system 12 calculating salaries of users (employees) including user a. The salary amount data includes, for example, the user account 300 of each user provided in advance to the corporate system 12 by the information processing device 10, the salary amount of each user (employee) calculated by the corporate system 12, and the parent-child account. Information such as a user ID 501, company name 502, company child account number 503, and parent account number 505 may be included.

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 specified, or if information such as electronic money type 404 and charge amount 405 is not registered in association with the specified user account, part 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 process or electronic money charge described below will not be performed, and only the transfer process to the user's account (main account or sub-account) will be performed.

In yet another embodiment, the information processing device 10 uses the parent-child account user ID 501 of each company and each electronic money business included in the salary amount data to The child account user ID 501 may be specified. If the parent-child account user ID 501 is not specified, or if the child account number is not registered in association with the specified parent-child account user ID 501, part or all of the process may be terminated (for example, as described above). (e.g., only the salary transfer process is executed, as shown in the figure below).

In S802, in response to the arrival of a predetermined date, the information processing device 10 checks the received salary amount data, the information registered in the charge amount DB 207, and/or the information registered in the parent-child account DB 208. Generate salary distribution data based on the information. Next, the information processing device 10 transmits the salary distribution data to the parent-child account transfer system 16. The salary distribution data includes, 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 The child account user ID 501, company name 502, company child account number 503, electronic money child account number 504, parent account number 505, etc. may be included.

The parent-child account transfer system 16 generates charge amount transfer data and/or salary transfer data based on the received salary allocation data, and transmits the data to the bank system 11 . Charge amount transfer data is instruction data for instructing transfer processing from a company's child account to electronic money child account, and salary transfer data is instruction data for instructing transfer processing from the transfer source company's account to the user's account. This is instruction data. For the purpose of explanation, charge amount transfer data and salary transfer data are explained as separate instruction data in this specification, but instruction data including instructions for both transfer processing and transfer processing may be transmitted to the bank system 11. . Charge amount transfer data and/or salary transfer data 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, and 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, and the like.

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

The bank system 11 transmits the charge amount transfer processing result and/or the salary transfer processing result to the parent-child account transfer system 16. The charge amount transfer processing result and/or salary transfer processing result includes, for example, each user's user account 300, the amount transferred to the user's account (to the main account and subaccounts), the date and time of transfer, and the electronic money child account. Information such as the transferred amount, transfer date and time, corporate subsidiary account number 503, electronic money subsidiary account number 504, electronic money account 305, electronic money type 404, and charge amount 405 may be included.

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

The parent-child account transfer system 16 sends 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 based on the received charge amount transfer processing result and/or salary transfer processing result. Can be sent. The charge amount transfer completion report and/or salary transfer completion report includes, for example, each user's user account 300, the amount transferred to the user's account (to the main account and subaccounts), the transfer date and time, and the e-money child account. Information such as the transferred amount, transfer date and time, corporate subsidiary account number 503, electronic money subsidiary account number 504, electronic money account 305, electronic money type 404, and charge amount 405 may be included.

In 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 charging instruction data to the electronic money business system 14 and/or 15. The charging instruction data is data that instructs charging to the user's electronic money account. The information processing device 10 can register and/or update various data items (eg, transfer amount 407, transfer date and time 408, etc.) in the charge amount DB 207 based on the charge amount transfer completion report.

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, transfer date and time 408, and the like. Here, it is assumed that since user a has specified the amount to be charged to electronic money account B1 as 50,000 yen, information processing device 10 has transmitted charging instruction data to electronic money business system 14.

If user a desires to charge not only electronic money account B1 but also electronic money account C1, charging instruction data is also transmitted to electronic money business system 15. If only the electronic money account C1 is desired to be charged, the charging instruction data can be sent only to the electronic money operator system 15.

The electronic money business system 14 specifies 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. Execute. Here, it is assumed that 50,000 yen worth of electronic money B has been charged to user a's electronic money account B1. Next, the electronic money business system 14 transmits the charge processing result to the information processing device 10. The charging processing result may include information such as the user account 300, electronic money account 305, electronic money type 404, charging amount 405, and date and time when charging was performed. If the charge instruction data has been sent 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.

In S804, the information processing device 10 notifies the user terminal 13 that electronic money charging has been completed based on the received charging processing result. Further, the information processing device 10 can register and/or update the charging date and time 406 in the charging amount DB 207 based on information such as the date and time when charging was performed, which is included in the received charging processing result.

Through the above process, in response to the salary payment date, funds equivalent to the charge amount specified by the user are transferred from the corporate child account to the electronic money child account, and the specified amount of electronic money is charged to the user's electronic money account. be done. Therefore, the user (employee) can have the specified amount of electronic money charged to the specified electronic money account on a predetermined day such as the salary payment date, without having to charge electronic money themselves. Become.

Any account may be registered as the main account as long as it does not depart from the gist of the present application. Furthermore, for the purpose of explanation, the description has been made assuming that there is one main account and one sub-account, but as long as it does not depart from the gist of the present application, there may be one or more main accounts and sub-accounts. good.

In this specification, two types of electronic money, B and C, have been described for the purpose of explanation, but fewer or more types of electronic money can be applied to the present invention as long as they do not depart from the gist of the present application.

Although the principles of the present invention have been described above with reference to exemplary embodiments, those skilled in the art will appreciate that various embodiments may be implemented with changes in configuration and details without departing from the spirit of the invention. You will understand. That is, the present invention can be implemented as, for example, a system, an apparatus, a method, a program, a storage medium, or the like.

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

Claims (7)

a charge amount database storing information on one or more electronic money accounts associated with a user account and the amount charged to the one or more electronic money accounts;
Information on one or more of the parent account associated with the parent-child account transfer system, the corporate child account of the company where the user works, and the electronic money child account of the electronic money operator that provides the electronic money operator system is stored. a parent-child account database in which information on the corporate child account and the electronic money child account is associated with information on the parent account;
Salary amount data receiving means for receiving salary amount data, the salary amount data including salary amount of the user and information on the user account of the user ;
Salary distribution data generation means for generating salary distribution data based on the salary amount data, the charge amount database, and/or the parent- child account database;
Salary distribution data transmitting means for transmitting the salary distribution 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 generation means for generating charge instruction data for instructing the electronic money business system to charge electronic money to the 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;
Equipped with
The salary amount data receiving means includes:
configured to identify a corresponding user account from the charge amount database based on the user account;
Information processing device. The salary distribution data includes information on the one or more electronic money accounts, the charge amount, the corporate child account, and the electronic money child account.
The information processing device according to claim 1 . Salary distribution candidate information sending means for transmitting salary distribution candidate information including information on the one or more electronic money accounts of the user to a user terminal;
Salary distribution request receiving means for receiving a salary distribution request from the user terminal;
further comprising a database update means for updating the charge amount database based on the salary distribution request;
The information processing device according to claim 2 . The salary distribution request includes information on the electronic money account specified by the user among the one or more electronic money accounts and the amount to be charged to the specified electronic money account.
The information processing device according to claim 3 . The salary distribution candidate information further includes one or more account numbers of the user,
The salary distribution request further includes an account number specified by the user from the one or more account numbers, and an amount desired to be transferred to the specified account number.
The information processing device according to claim 4 . A method executed by an information processing device, the method comprising:
The information processing device includes a charge amount database storing information on one or more electronic money accounts associated with a user account and an amount charged to the one or more electronic money accounts, and a parent-child account transfer system. A parent account that stores information on one or more of the parent account associated with the system, the corporate child account of the company where the user works, and the electronic money child account of the electronic money operator that provides the electronic money operator system. an account database, comprising a parent-child account database in which information on the corporate child account and the electronic money child account is associated with information on the parent account ;
The method includes:
receiving salary amount data, the salary amount data including the salary amount of the user and information on the user account of the user ;
Generating salary distribution data based on the salary amount data, the charge amount database, and/or the parent- child account database;
Sending the salary distribution data to the 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 the electronic money business system to charge electronic money to the one or more electronic money accounts of the user based on the charge amount transfer completion report;
transmitting the charging instruction data to the electronic money operator system;
Equipped with
Receiving the salary amount data includes:
identifying a corresponding user account from the charge amount database based on the user account;
Method. A system for charging electronic money,
The system includes an information processing device, a parent-child account transfer system, a bank system, and an electronic money operator system,
The information processing device includes:
a charge amount database storing information on one or more electronic money accounts associated with a user account and the amount charged to the one or more electronic money accounts;
Information on one or more of a parent account associated with the parent-child account transfer system, a corporate child account of the company where the user works, and an electronic money child account of the electronic money business that provides the electronic money business system a parent-child account database stored, wherein information on the corporate child account and the electronic money child account is associated with information on the parent account;
Salary amount data receiving means for receiving salary amount data, the salary amount data including salary amount of the user and information on the user account of the user ;
Salary distribution data generation means for generating salary distribution data based on the salary amount data, the charge amount database, and/or the parent- child account database;
Salary distribution data transmitting means for transmitting the salary distribution 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 generation means for generating charge instruction data for instructing the electronic money business system to charge electronic money to the 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;
Equipped with
The salary amount data receiving means includes:
configured to identify a corresponding user account from the charge amount database based on the user account;
The parent-child account transfer system is
Salary distribution data receiving means for receiving the salary distribution data;
generating charge amount transfer data that instructs the bank system to transfer funds equivalent to the charge amount from the corporate child account to the electronic money child account based on the salary distribution data; means and
Charge amount transfer data transmitting means for transmitting the charge amount transfer data to the bank system;
A charge amount transfer processing result receiving means for receiving the charge amount transfer processing result;
Charge amount transfer completion report transmitting means for transmitting the charge amount transfer completion report to the information processing device based on the charge amount transfer processing result;
Salary transfer data generation means for generating salary transfer data based on the salary distribution data;
Salary transfer data transmitting means for transmitting the salary transfer data to the bank system;
Equipped with
The banking system is
Charge amount transfer data receiving means for receiving the charge amount transfer data;
Charge amount transfer processing means for executing transfer processing of an amount equivalent to the charge amount from the corporate subsidiary account to the electronic money subsidiary account based on the charge amount transfer data;
Charge amount transfer processing result transmitting means for transmitting the charge amount transfer processing result to the parent-child account transfer system based on the execution of the transfer processing;
Salary transfer data receiving means for receiving the salary transfer data;
Salary transfer processing means for executing salary transfer processing from a predetermined account of a company where the user works to one or more accounts of the user based on the salary transfer data;
Equipped with
The electronic money operator system is
Charge instruction data receiving means for receiving the charge instruction data;
A system comprising: 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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