JP2006260494A - Automatic cash processor, payment processing system and its method, and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a device and scheme for allowing a recipient who receives payment to use a single cash card for transactions from different accounts. <P>SOLUTION: The cash automatic processor comprises an authentication request means for requesting the input of a cash card for a recipient account in a financial institution, opened separately from a recipient account for reception, and its code number and living body authentication information as authentication information, when receiving processing for the recipient account from a recipient and for transmitting the information for the input cash card and the authentication information as information for the recipient account in the financial institution to a financial institution system, and a display processing means for displaying the processing result, when the processing for the recipient account is permitted by the financial institution system. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a technique for performing wage payment processing from a payer to a payee in a financial institution managing a payer account opened by a payer, and in particular, an employer pays wages to an employee. Provide a suitable mechanism.

Conventionally, payment from a payer using a financial institution to a payee is performed by transferring money to an account of a designated financial institution arbitrarily established by the payee.
A typical example of such payment is wage payment from the employer to the employee.
In this wage payment, the employment system has been liberalized, and there are many cases of daily-payment employment contracts. In that case, when paying wages using financial institutions, the wage is paid after the day's work ends. Even if the transfer procedure for paying is performed, the processing will be the next day due to the business hours of the financial institution. For this reason, there are many people who want to pay wages on that day, especially those who want to pay a day-to-day employment contract, so paying wages using such financial institutions is not familiar. Instead, a predetermined amount of money is withdrawn from a financial institution, and cash is handed to each employer.

Furthermore, as a mechanism to efficiently send and pay money to a specified partner, for example, the amount of money transferred can be withdrawn from the sender's account at the request of the sender and temporarily generated so that the recipient can manage it. After confirming the identity in response to a payment request from the payee, pay the money stored in the temporary account to the payee, and delete the temporary account with no balance after the payment is completed There is something which was made to do (refer to patent documents 1).
JP-A-11-265413

However, in the conventional system where the payer transfers money to the account of the financial institution designated by the recipient, it is basically assumed that the recipient has an account in the financial institution, and if the recipient does not have an account, wages Could not pay. Accordingly, there is a problem that a recipient who does not have an account with a financial institution has to open an account only for paying wages.
In addition, when transactions are made between accounts, it is necessary to carry out a process of transferring funds between accounts, which places a burden on the financial institution system side. Therefore, in the current financial institution system, the transfer process between accounts after 3 pm is handled the next day, and there is a problem that the transfer process cannot be made to the receiving account on that day.

  In addition, if the financial institution designated by the recipient is different, it is necessary to perform the transfer procedure for each financial institution, which is very troublesome. In particular, in payroll, there are a variety of financial institutions designated by employees, and employers have different wages, and each employee is different, so it is very cumbersome to perform wage transfer processing for financial institutions. It was hanging. In addition, the transfer fee in that case is all borne by the employer, and if the employer's financial institution and the employee's financial institution are not the same affiliated financial institution, it is higher than the fee between the same financial institution. You may have to bear the fee. On the other hand, even if the financial institution is provided with an account only for paying wages for each employer, there are many administrative files and it is very difficult to manage. In addition, with the means for the employer to provide cash on a daily basis, money must be withdrawn from the financial institution every day, which is also very troublesome for the employer. Moreover, it is very dangerous because the money for payment must be kept until the employee's work ends.

  In addition, when paying using a temporary account that has been temporarily generated, when the money is transferred to the temporary account, the remittance source specifies the identity information as a key for the recipient to access the temporary account. As well as the remittance destination, the remittance source can access the temporary account, and there is anxiety in terms of temporary account management. In other words, it is virtually possible for the remittance source to receive payment from the temporary account, and in the unlikely event that a third party illegally receives payment from the temporary account at the remittance destination, the location of responsibility for managing the temporary account is unclear. Therefore, the remittance source who has the possibility to access the temporary account leaves room for doubt. In addition, even a temporary account is premised on remittance to a different financial institution, and in that case, remittance processing is performed between completely different accounts, so the burden on the financial institution system is large and remittance time is required. Or a remittance fee may be incurred.

The present invention has been made to solve the above-described problems, and provides a mechanism that allows a payer to make a payment to a payee immediately and efficiently using an account of a financial institution. The purpose is to provide.
In particular, it is an object of the present invention to provide a mechanism capable of ensuring payment safety and performing payment processing instantly and efficiently even when the recipient does not have an account.

  A payment processing system according to one aspect of the present invention is a system for performing payment processing from a payer to a recipient using an account opened in a financial institution, and a payer account opened by the payer and the payment A first storage means for storing a payer account for receiving the paid amount by dividing a part of the payer account in the payer account, and receiving the instruction from the payer, and the first memory And a fund transfer means for transferring a predetermined amount of funds from the payer account stored in the means to the payee account.

Here, dividing a part of the payer account and storing the payer account means dividing a part of the payer account storage area and opening the payer account in the part. . When the payer notifies the payer account specifying information for specifying the payer account and applies for the opening of a new account for the payee, the payer's account is specified based on the payer account specifying information, and the payer account is specified. A virtually independent recipient account is opened to divide the inside. The recipient account may be a receiving-only account so that only the recipient can perform processing such as withdrawal.

  A second storage means for storing authentication information for authenticating the recipient in association with the account information of the opened recipient account; and upon receipt of a payment request from the recipient account, Referring to the receiving means for receiving the recipient authentication information and the second storage means, it is determined whether or not the input receipt account number and the receipt authentication information are appropriate. In this case, it may further comprise processing means for permitting the transfer of funds from the recipient account.

  Further, when the recipient account is opened, the information processing device may further include an authentication information registration unit that accepts input of the recipient account authentication information designated by the recipient and stores it in the second storage unit.

  The first storage means stores account information of a payee financial institution account, which is an account opened by the payee in the financial institution separately from the payer account, in association with the payee account information. Receiving means for accepting input of the recipient financial institution account information from the recipient when the recipient makes a payment request from the recipient account, and the inputted recipient financial institution account information is appropriate A payment processing means for permitting the transfer of funds from the recipient account associated with the recipient financial institution account information with reference to the first storage means. May be.

  The first storage means stores account information of a recipient financial institution account including recipient authentication information, and upon receipt of input of the recipient financial institution account information from the recipient. The information processing apparatus may further include a determination unit that determines whether or not the input recipient financial institution account information is appropriate with reference to the first storage unit.

  The financial institution system is configured so that a cash processing apparatus can be connected, and the receiving means inputs the cash card and authentication information of the recipient financial institution account to the cash processing machine. The input recipient financial institution account information may be accepted.

  The system may be a salary payment system, the payer may be a user, and the recipient may be an employee.

  An automatic cash processing apparatus according to an aspect of the present invention includes a payer account opened by a payer and receiving a paid amount by dividing a part of the payer account into the payer account. And a first storage means for storing the recipient financial institution account information, which is an account opened by the recipient in the financial institution separately from the payer account, in association with the recipient account information; When a payment request is made from the payee account, a receiving means for receiving input of the payee financial institution account information from the cash automatic processing apparatus, and an instruction from the payer, and the first memory If it is determined that the funds transfer means for transferring a predetermined amount of funds from the payer account stored in the means to the payee account and the input information of the payee financial institution account is appropriate, One storage means An automatic cash processing apparatus configured to be connectable to a financial institution system having a payment means for permitting transfer of funds from the payee account associated with the payee financial institution account information, Receiving means for accepting processing for the recipient account to the recipient, and accepting processing for the recipient account, the recipient is requested to input the cash card and authentication information of the recipient financial institution account, Authentication request means for transmitting cash card information and authentication information as recipient financial institution account information to the financial institution system, and processing results when processing for the recipient account is permitted from the financial institution system Display processing means for displaying.

  A payment processing method according to one aspect of the present invention is a payment processing method performed by a financial institution system having first storage means for storing a payer account opened by a payer, wherein the financial institution system includes: Based on the request from the payer, a part of the payer account is divided to open a payee account dedicated to receiving the payee and receive instructions from the payer. And a process for transferring a predetermined amount of funds from the payer account stored in the first storage means to the opened recipient account.

  A computer program according to one aspect of the present invention provides a payer based on a request from a payer to a financial institution computer having first storage means for storing a payer account opened by the payer. Processing for opening a recipient-only recipient account of the recipient to be paid by dividing a part of the account, and receiving the instruction from the payer, and the payment stored in the first storage means And a process of transferring a predetermined amount of funds from the subscriber account to the opened recipient account.

According to the present invention, when paying from a payer to a payee at a financial institution managing a payer account opened by the payer, the payer account is divided into the payer account opened by the payer. The payment to the payee is processed only within the payer account.
Therefore, since processing between accounts does not occur, the load on the system is reduced, and not only the remittance time is required, but also the remittance fee is reduced.

  In addition, the recipient financial institution account information, which is the account of the financial institution established by the recipient separately from the payer account, is accepted as the recipient account usage information, and is associated with the recipient account based on the recipient identification information. Once registered, the recipient account can be used using the authentication information of the recipient financial institution account information. Therefore, for example, there is no need to issue a storage medium such as a cash card for using a newly opened recipient account, and the recipient financial institution uses the recipient financial institution account information established by the recipient. An employee account can be used by using an institutional account cash card or authentication information (such as a personal identification number), and issuance of a cash card can be eliminated.

In addition, because the payee has registered the authentication information of the payer account opened by the payer, the payer side does not know that this authentication information is known only to the employee himself, Safety is guaranteed. Therefore, it is possible to pay the wage with the security guaranteed even to the recipient who does not have an account for paying the wage.
In addition, by restricting the use of the recipient account, it is possible to make it easy to manage the recipient account that has been paid out, which can be cleared.

Hereinafter, an embodiment in which the present invention is applied to a wage payment processing system for paying wages from an employer to an employee will be described with reference to the drawings.
FIG. 1 is an overall configuration diagram schematically showing an example of a system for carrying out a wage payment processing method according to an embodiment of the present invention. FIG. 2 is a simplified configuration of an apparatus used in this system. It is a block diagram shown in FIG.
In the present embodiment, a case will be described in which a financial institution that manages an employer account opened by an employer pays wages from the employer to the employer via the employer account.

  As shown in FIG. 1, the wage payment processing system used in the present embodiment corresponds to a wage payment processing apparatus 10 provided in a financial institution 1 that manages an employer account opened by an employer 2, The terminal used by the employer 2 who pays the employee 3 through the employer account opened in 1 and the employee 3 who receives the pay from the employer 2 through the employer account Terminal to be used. The wage payment processing apparatus 10 includes a terminal used by the employer 2 and a terminal used by the employee 3, the Internet, a wired telephone line, a wireless telephone line, a CATV (cable television) line, and other communication line networks. Information is exchanged via communication.

Here, the terminal used by the employer 2 is a terminal owned by the employer 2 connected to the wage payment processing apparatus 10 installed in the financial institution 1 so as to be able to exchange information, as well as wage payment to the employee. On behalf of the employer 2 on behalf of the employer 2 by the automatic cash processor (cash dispenser, automatic teller machine, etc.) installed in the financial institution 1 where the employer 2 goes for A terminal. In the present embodiment, the actions of the employer 2 including actions taken by the employer 2 via these terminals are simply referred to as “employers”.
The terminal used by the employee 3 is a terminal owned by the employee 3 connected to the wage payment processing apparatus 10 so as to be able to exchange information. A terminal that handles on behalf of. In the present embodiment, the actions of the employee 3 including actions performed by the employee 3 via these terminals are simply referred to as “employees”.

  As shown in FIG. 2, the wage payment processing apparatus 10 includes at least an employee account opening information receiving unit 11, an employee account opening unit 12, an employee account use information receiving unit 13, and an employee authentication information registration unit. 14, transaction information reception unit 15, fund transfer processing unit 16, determination unit 17, deposit acceptance / rejection determination unit 18, deposit processing execution unit 19, employer information storage unit 20, employer account information storage unit 21. And an employee information storage unit 22 and an employee account information storage unit 23. Although not shown, the wage payment processing apparatus 10 includes storage means such as an operating system, a wage payment processing program, a hard disk drive device that stores various data for wage payment processing, and a memory such as a RAM, and a CPU. The (Central Processing Unit) can realize the above functions by reading out and executing programs and data from these storage means.

The employee account opening information receiving unit 11 performs processing for receiving employee account opening information including employee account specifying information for specifying an employee account and employee information for applying for an employee who wants to open a new account. Do. The accepted employee account opening information is sent to the employee account opening unit 12.
Here, the employer account identification information is to establish an employee account such as an ID number as the identification information given to the employer by the financial institution when the employer opens the employer account, or an employer account number. Information that can identify an employer account as a former account. The employer information registered in the establishment of the employer account is stored in the employer information storage unit 20 as, for example, the employer information shown in FIG. The employer information manages employer attribute information such as an employer ID column for managing an employer ID number, an employer name, an address, a telephone number, a facsimile (FAX) number, an employer account number, and the like. Information can be memorized.
The employee information refers to information regarding an employee who wishes to open a new account, and includes at least contact information for the employee. As described above, if the employee information includes the contact information for the contractor, the employee account opening unit 12 to be described later notifies the employee of the fact that the employee account has been opened, or uses the employee account. It is possible to inquire about authentication information that only the employee himself / herself knows. The accepted employee information is stored in the employee information storage unit 22.

The employee account opening unit 12 gives the account number and employee identification information (ID number) by accepting the employee account opening information from the employer at the employee account opening information receiving unit 11, and Divide the subcontractor account in the employer account opened by the company.
The assignment of the account number and employee identification information (ID number) is such that the employee account opening unit 12 issues a predetermined number of digits in ascending order, for example, based on a predetermined rule.
In addition, when the subordinate trader account is divided and opened in the employer account, the employee account opening unit 12 sets a predetermined information storage area among the information storage areas of the employer account in the employer account information storage unit 21. Allocation processing is performed as an area of the employee account.
The accepted employee account opening information is stored in the employee account opening information storage unit 23.

The employee account use information reception unit 13 is known only by the employee identification information and the employee himself / herself for identifying the employee who manages the employee account, when the employee account opening unit 12 opens the employee account. Processing to receive employee account usage information consisting of authentication information.
Here, the employee identification information is information for identifying an employee such as an employee ID or an employee account number. The employee identification information is stored in the employee account opening information storage unit 23 as the employee account opening unit 12 opens the employee account.

  The employee authentication information registration unit 14 opens an employee account based on the employee identification information received simultaneously with the received authentication information in response to the reception of the employee account use information at the employee account use information receiving unit 13. Processing for registration in the information storage unit 23 is performed.

  The transaction information accepting unit 15 can deposit / withdraw money from / to an account managed by the financial institution from a cash processing apparatus (cash dispenser, automatic teller machine, etc.) of the financial institution or a computer terminal owned by the employer or employee. Processing to accept transaction requests such as money, transfer, and transfer.

The fund transfer processing unit 16 performs a fund transfer process between designated accounts according to the received transaction information.
Specifically, the fund transfer processing unit 16 performs deposit processing (including transfer processing and transfer processing) from a predetermined employer account to the employee account, and withdrawal processing from the employee account to perform balance update processing. Do.

  When requesting to withdraw money from the employee account, the determination unit 17 refers to the employee account information storage unit 23 in response to the receipt of the employee confirmation information and the authentication information in the transaction information reception unit 15. To determine whether or not a user account can be used.

When accepting the deposit information in the transaction information accepting unit 15, the deposit acceptance / rejection determining unit 18 determines whether or not the deposit information is information that can be deposited into the employee account opened by the employee account opening unit 12. Processing to determine is performed.
In other words, except that the employer pays wages from the employer account to the employee account, the employee rejects the act of depositing into his own employee account. In this process, when there is a deposit processing request for an employee account, the deposit acceptance / rejection determination unit 18 refers to the employee account information storage unit 23 and associates the deposit request with the employee account information. It is discriminated whether or not it is a deposit processing request from an employer account, and in the case of a deposit processing request from other than the employer account, the processing is rejected. Thus, the employee account functions as a receiving-only account that can receive the amount paid from the employer account.

  As a result of determining whether or not depositing to the employee account is permitted by the depositing permission / inhibition determining unit 18, the deposit processing execution unit 19 establishes the instructed amount from the employer account in the employer account. Carry out deposit processing to transfer to a predetermined employee account.

The employer account information storage unit 21 stores employer account information related to an employer account opened by the employer.
This employer account information can be stored in the employer account information storage unit 21 in the form of, for example, the employer account information shown in FIG. The employer account information storage unit 21 includes an employer ID for managing the ID number of each employer, and an account for identifying the employer account received by the follower account opening information receiving unit 11 when the employee account is opened. Number, employer account classification, balance, split account number as employee account opened in the employer account, employee ID number identifying the employee who opened the employee account, etc. can be stored It has become.
In the example shown in FIG. 11, an employer having an identification ID number of 100001 has a balance of 1 million yen in an ordinary account with an account number of 1234567, and a split account number of 10000001 is assigned to the account. , An employee account for an employee with identification ID number A00001, an employee account for an employee with identification ID number A00002, to which a split account number of 10000002 is assigned, and the like are shown. .

The employee information storage unit 22 stores employee information in the employee account opening information received by the employee account opening information receiving unit 11.
In the employee information storage unit 22, for example, as shown in FIG. 12, employee attributes such as an employee ID managing the ID number of each employee, the employee's name, address, gender, date of birth, etc. Information, the ID number of the employer who employs the employee can be stored. In the example shown in FIG. 12, the employee A having an identification ID number of A00001 has an address in Minato-ku, Tokyo. An employee B, who was born on August 7, 1970, who was employed by an employer with an identification ID number of 100001, and who has an identification ID number of A00002, has an address in Kita-ku, Tokyo. It is shown that they are men born on January 19, 1974, and are employed by employers who also have an identification ID number of 100001.

The employee account information storage unit 23 employs the employee account information related to the employee account opened by the employee account opening unit 12 based on the employer account specifying information received by the employee account opening information receiving unit 11. The information is stored in association with the information storage unit 21.
In this employee account information storage unit 23, for example, as shown in FIG. 13, in addition to the employee ID, employee account number, employee account classification, balance, etc. for managing the ID number of each employee, The authentication identification number for using the employer account and the employer account number as the original account in which the employee account is opened can be stored. In addition, the employee account information storage unit 23 can store the authentication information of the employee received by the employee account use information reception unit 13. This authentication information is information for authenticating the employee, and may be information used for bio-authentication such as a personal identification number, fingerprint, and glow.
In the example shown in FIG. 13, employee A who has an identification ID number of A00001 has a balance of 20,000 yen in an ordinary account with an account number of 10000001, has an authentication identification number of ***, and employs 1234567. Employee B who has an identification ID number of A00002 in an account having an administrator account number has a balance of 10,000 yen in an ordinary account with an account number of 10000002, the authentication identification number is ***, and is also 1234567 Each indicates that an employer account is opened in an account having an employer account number.

Next, an example of a payment processing method when paying wages from an employer to an employee in the wage payment processing system configured as described above will be described with reference to FIG.
First, the employer 2 applies in advance to the financial institution 1 to open its own employer account (A). An application for opening an employer account with a financial institution 1 is input from a terminal owned by an employer connected to the terminal installed in the financial institution 1 so that information can be exchanged, or the employer goes to the financial institution 1 to finance This is done by using a terminal installed in the institution 1 or by a person in charge of the financial institution inputting from the terminal on behalf of the employer in accordance with the employer's instruction.
When the financial institution 1 receives an application for opening an employer account by disclosing predetermined employment information from the employer 2, the financial institution 1 opens an employer account (B).
Further, the financial institution 1 transmits information on the established employer account to the wage payment processing apparatus 10 (C).
The wage payment processing apparatus 10 that has received the employer account information stores the employer account information (D).

Next, the financial institution 1 accepts an application for opening an employee account from the employer 2 (1). If the accepted employee account opening information is electronic data, it is transmitted as it is to the wage payment processing apparatus 10, and if it is not electronic data, it is converted into electronic data and transmitted to the wage payment processing apparatus 10.
The wage payment processing apparatus 10 receives employee account opening information transmitted from the financial institution 1 (2). The employee account opening information includes at least employer account specifying information for specifying an employer account and employee information of an employee who desires to newly open a subsidiary account.

When receiving the employee account opening information, the wage payment processing apparatus 10 stores the employee information in the employee account opening information in the employee information storage unit 22 (3).
Upon receiving the employee account opening information, the wage payment processing apparatus 10 divides the employee account in the employee account information storage unit 21 based on the employer account specifying information in the employee account opening information, and the employee account. (4).
When the opening of the employee account is completed, the wage payment processing apparatus 10 notifies the employer 2 and / or the employee 3 of the opening of the employee account.
In addition, when the establishment of the employee account is completed, the wage payment processing apparatus 10 stores the employee account information in association with the employer account information that is the established original account (5).

  Thus, for example, the state of the employer account after the employer having the employer ID of 100001 has opened the employee account in the employer account of the account number 1234567 having a balance of 1 million yen is shown in FIG. A). In FIG. 14A, an employee account in which a divided account number of 10000001 is assigned to an employee who has been assigned an employee ID of A00001 and an employee ID of A00002 in accordance with an application for opening an employee account. It is shown that an employee account or the like to which a divided account number of 10000002 is assigned to an employee to which is assigned is established.

In this state, when the employee 3 is notified of the opening of the employee account, the authentication necessary for the employee to use the employee account via the financial institution 1 or directly to the wage payment processing apparatus 10 is performed. Register employee account usage information such as information (6).
The wage payment processing apparatus 10 receives employee account use information from the employee 3 (7). This employee account usage information includes at least information for identifying the employee, that is, employee identification information such as the employee's name, date of birth, and address, and authentication information set by the employee. Yes.
When receiving the employee account usage information, the wage payment processing apparatus 10 registers the authentication information in the employee account usage information together with the employee account information described above (8).
By registering the employee account use information of the employee, the employee account can be used.

Then, the employer 2 gives a payment instruction to the employee account via the financial institution 1 or directly to the wage payment processing apparatus 10 in order to pay the wage to the employee 3 (9).
The wage payment processing apparatus 10 receives payment information for instructing payment to the employee account from the employer 2 (10). This deposit information includes at least employee account number and information related to the deposit amount.
When receiving the payment information, the wage payment processing apparatus 10 performs a fund transfer process to the employee account (11).
For example, the state of the employer account after an employer having an employer ID of 100001 paid a daily wage to each employee from an employer account with an account number 1234567 having a balance of 1 million yen is shown in FIG. 14 (a). In FIG. 14A, in accordance with the wage payment instruction from the employer to the employee, the employee account assigned the division account number 10000001 of the employee assigned the employee ID A00001 is 20,000 yen. , The employee account 10,000 Yen with the split account number of 10000002 of the employee with the employee ID of A00002 was deposited respectively, and the balance of the employer account was shown to be 970,000 Yen Yes. In addition, the balance of the employer account that the employer can use (withdraw) is 970,000 yen, and the employer cannot use (withdraw), but within the employee account that each employee can use (withdraw) individually. Each has a balance of 20,000 yen and 10,000 yen.

After the wage is deposited in the employee account, the employee 3 sends the withdrawal request information from the employee account to the financial institution 1 or the direct wage payment processing device 10 (12), and the wage The payment processing apparatus 10 receives withdrawal information from the employee 3 (13). Here, “withdrawal” refers to performing transfer or transfer processing to an account in another financial institution or an account in another financial institution in addition to withdrawal from an employee account. The withdrawal information includes at least employee identification information for identifying the employee, employee authentication information, and withdrawal amount information.
When the wage payment processing apparatus 10 receives the withdrawal information, the wage payment processing apparatus 10 refers to the employee account use information registered in advance, and determines whether or not the employee account can be used based on the employee identification information and the authentication information ( 14).
As a result, if it cannot be used, an error message is notified and the process is terminated.
If available, the wage payment processing apparatus 10 performs a withdrawal process on the employee 3 in accordance with the received withdrawal information instruction (15).
Further, when the wage payment processing device 10 is paid to the employee 3, the wage payment processing device 10 updates the balance information of the employee account by subtracting the amount of money withdrawn according to this withdrawal information. (16).

Thus, for example, the state of the employee account after the employee assigned with the employee ID of A00001 withdraws all the wages received from the employee from his own employee account of 10000001 is shown in FIG. ). In FIG. 14 (c), in accordance with a wage withdrawal instruction from an employee assigned with an employee ID of A00001, a total amount of 20,000 yen is drawn from an employee account assigned with a split account number of 10000001. It is shown that it was 0 yen. The employee account balance of the employee assigned with the employee ID of A00001 has become 0 yen, but the employee account balance of the employee assigned with the employee ID of A00002 who has not withdrawn wages is It will remain 10,000 yen.
Then, the employee 3 receives the wage paid by the employee 2 (17).
Thereby, the employer 2 can pay wages using the bank account to the employee 3 who does not have his / her own account for paying wages.

Next, an example of the operation of the wage payment processing system 10 in the wage payment processing system configured as described above will be described with reference to FIGS.
As shown in FIG. 4, first, it is determined whether or not the employee account opening information reception unit 11 has received employee account opening information for opening an employee account for paying wages from the employer to the employee. (S11).
If the employee account opening information is received as a result of the determination (Y), the employee account opening information receiving unit 11 uses the employee account opening information to identify the employee account and the new employee account specifying information. It is determined whether or not employee information for applying for an employee who wishes to open an employee account is included (S12).
As a result of the determination, if it is determined that the employee account is opened (Y), the employee account opening information receiving unit 11 refers to the employer account information storage unit 21 and receives the received employee information as the employee. It memorize | stores in the information storage part 22 (S13).

On the other hand, when the employee account opening information receiving unit 11 determines that the employee account opening information does not have the employer account specifying information (N), the employee account opening information receiving unit 11 determines that the employee account opening information receiving unit 11 Specific information is requested, and in response to this request, an employer account information receiving unit (not shown) determines whether or not employer account information has been received (S14).
As a result, when the employer account information receiving unit receives the employer account information (Y), the received employer account information is stored in the employer account information storage unit 21 (S15). On the other hand, if the employer account information is not received (N), the process is terminated (ended).
Further, when the employee account opening information is received, the employee information is stored in the employee information storage unit 22, and the employee account opening unit 12 opens a follower account in the specified employer account (S16). . This employee account opening process is performed by the employee account opening unit 12 dividing a part of the storage area of the employer account in the employer account information storage unit 21 to provide an employee account information storage area.
Then, the employee account information of the established employee account is stored in the employee account information storage unit 23 in association with the employee account information (S17).

If the employee account opening information receiving unit 11 determines that the employee account opening information is not received (N), the employee account use information receiving unit 13 specifies the employee who manages the employee account. It is determined whether or not registration information for using an employee account including employee identification information and employee authentication information is accepted (S18).
As a result, when the employee account use information receiving unit 13 has received registration information for using the employee account (Y), the employee account use information receiving unit 13 subsequently adds the received registration information. It is determined whether there is a matching employee account (S19).
When it is determined that there is a matching employee account (Y), the employee account use information receiving unit 13 receives the employee account use information as it is (S20). On the other hand, if it is determined that there is no matching employee account (N), the process ends (end) without accepting registration information for using the employee account.
When the employee account usage information receiving unit 13 receives the employee account usage information, the employee authentication information registration unit 14 stores the authentication information in the employee account usage information in the employee account information storage unit 23. (S21).

If the employee account use information receiving unit 13 has not received registration information for using the employee account (N), the deposit / withdrawal information receiving unit 15 then selects a predetermined employee account. It is determined whether or not deposit information for depositing is accepted (S22).
If the payment information is received as a result of the determination (Y), according to the received payment information, the fund transfer processing unit 16 updates the balance information of a predetermined employee account by adding the amount of money received ( S23). On the other hand, if the deposit information has not been received (N), it is determined whether the deposit / withdrawal information receiving unit 15 has received withdrawal information for withdrawing money that has been deposited in a predetermined employee account. (S24).
As a result, when the withdrawal information is received (Y), the discrimination unit 17 continues to refer to the employee account information storage unit 23 based on the employee confirmation information and authentication information received together with the withdrawal information, and the employee It is determined whether or not the account can be used (S25). On the other hand, if the withdrawal information has not been received (N), the processing is terminated (end).

And when the discrimination | determination part 17 discriminate | determines whether it is usable as a result of having discriminate | determined whether the said employee account can be used (Y), the said withdrawal with which the withdrawal process implementation part (not shown) received was received. A withdrawal process is performed from a predetermined employee account according to the instruction of the information, and wages are paid to the employee (S26). On the other hand, if it is determined that it cannot be used (N), the processing ends (ends) without making a withdrawal from the employee account.
In addition, when a withdrawal processing execution unit (not shown) such as an automatic cash processing device withdraws money from a predetermined employee account in accordance with an instruction of the withdrawal information, the funds transfer processing unit 16 performs the predetermined employee account. The balance information is updated by subtracting the amount of money withdrawn (S27). As a result, a series of processes in the wage payment processing apparatus 10 ends (end).

  Further, in the wage payment processing system according to the present embodiment, when restricting the payment to the employee account so that the employee account cannot be used for other than the wage payment to the employee by the employer, for example, FIG. 6 and FIG. 7 can be performed continuously. In the present embodiment, in order to easily explain that the depositing to the employee account is restricted, the same flow as that in the above embodiment is performed until the deposit information is received, but the flow is not necessarily limited to this.

First, the employer 2 applies in advance to the financial institution 1 to open its own employer account (A). Application for opening an employer's account with a financial institution 1 can be made by using a terminal owned by an employer that is connected to the terminal installed in the financial institution 1 so that information can be exchanged. This can be done by going out and using an automatic cash processing apparatus or the like installed in the financial institution 1 or by handling a terminal on behalf of the employer by a person in charge of the financial institution in accordance with an instruction from the employer.
When the financial institution 1 receives an application for opening an employer account by disclosing predetermined employment information from the employer 2, the financial institution 1 opens an employer account (B).
Further, the financial institution 1 transmits information on the established employer account to the wage payment processing apparatus 10 (C).
The wage payment processing apparatus 10 that has received the employer account information stores the employer account information (D).

Next, the financial institution 1 accepts an application for opening an employee account from the employer 2 (31). If the accepted employee account opening information is electronic data, it is transmitted to the wage payment processing apparatus 10 as it is. Otherwise, it is converted into electronic data and transmitted to the wage payment processing apparatus 10.
The wage payment processing apparatus 10 receives the employee account opening information transmitted from the financial institution 1 (32). The employee account opening information includes at least employee account specifying information for specifying an employee account and employee information for applying for an employee who wishes to open a new account.
When receiving the employee account opening information, the wage payment processing apparatus 10 separately stores the employee information in the employee account opening information (33).
Further, when the wage payment processing apparatus 10 receives the employee account opening information, the wage payment processing apparatus 10 stores the information of the employee account by dividing the employer account based on the employer account specifying information in the employee account opening information. An employee account is opened (34). When the opening of the employee account is completed, the wage payment processing apparatus 10 notifies the employer 2 and / or the employee 3 of the opening of the employee account.
In addition, when the establishment of the employee account is completed, the wage payment processing apparatus 10 separately stores the employee account information in association with the employer account information that is the established original account (35).

When the employee 3 receives the notification of opening the employee account, the employee 3 uses the predetermined employee account usage information necessary for the employee to use the employee account to the financial institution 1 or the direct wage payment processing apparatus 10. Is registered (36).
The wage payment processing apparatus 10 receives employee account use information from the employee 3 (37). This employee account usage information includes, for example, employee identification information such as name and date of birth and parent name, which identifies the employee who manages the employee account, and employee authentication information. .
When receiving the employee account usage information, the wage payment processing apparatus 10 registers the authentication information in the employee account usage information together with the employee account information (38).
By registering the employee account usage information of the employee in response to the notification of opening the employee account, wages can be paid to the employee through the employer account.

Further, the employer 2 transmits payment instruction information to the employee account via the financial institution 1 or to the wage payment processing apparatus 10 for wage payment to the employee 3 (39).
The wage payment processing apparatus 10 receives payment information for instructing payment to the employee account from the employer 2 (40). This payment information includes at least information on the employee name or employee ID that specifies the payment destination, the employee account number, and the deposit amount.
And the wage payment processing apparatus 10 is the instruction | indication which requests | requires paying to an employee account directly, or the said payment information received is the information which instruct | indicates remittance from an employer account to an employee account. For example, it is determined whether or not the employee account can be used based on the presence or absence of the usage account or the type of usage account (41).
As a result of the determination, if the wage payment processing device 10 is available, the wage payment processing device 10 performs the process of transferring funds from the employer account to the predetermined employee account according to the instruction of the accepted withdrawal information. (42). On the other hand, if it is not available, the process is terminated.
When the payment processing is executed, the wage payment processing apparatus 10 adds and updates the balance information of the received employee account (43).

After the wage is deposited in the employee account, the employee 3 can withdraw from the employee account to the financial institution 1 or the direct wage payment processing apparatus 10, or another account or other financial in the same financial institution. When a withdrawal request is made, such as performing a transfer or transfer process to an account in the institution (44), the wage payment processing apparatus 10 receives the withdrawal information requested by the employee 3 (45). This withdrawal information includes at least employee identification information for identifying the employee, authentication information known only by the employee himself / herself, and a withdrawal amount.
Upon receipt of the withdrawal information, the wage payment processing apparatus 10 refers to the employee account use information registered in advance, and determines whether the employee account can be used based on the employee identification information and the authentication information (46). .
As a result, if the wage payment processing apparatus 10 is available, the wage payment processing apparatus 10 makes a withdrawal to the employee 3 in accordance with the received withdrawal information instruction and pays the wage (47). On the other hand, if it is not available, the process is terminated.
Further, when the wage payment processing device 10 is paid to the employee 3, the balance information of the predetermined employee account is subtracted and updated according to this withdrawal information. (48).
The employee 3 receives the wage paid by the employer 2 by, for example, withdrawing from the employer account opened by the employer (49).

  As a result, payment to the employee account is refused by the payment information that does not instruct to transfer money from the employee account to the employee account, and the employee account is not paid to the employee by the employer. Restrict it from being used. As a result, the account of the former employee who has lost the employment relationship with the employer is never used and remains, and the employee account can be easily managed.

Next, an example of operation | movement with the wage payment processing apparatus 10 in the above-mentioned embodiment is demonstrated. 8 and 9 are flowcharts showing the flow continuously.
As shown in FIG. 8, first, it is determined whether or not the employee account opening information receiving unit 11 has received employee account opening information for opening an employee account for paying wages from the employer to the employee. (S31).
If the employee account opening information is accepted as a result of the determination (Y), the employee applying for the employee account specifying information for specifying the employee account and the employee who wishes to open a new account in the employee account opening information. It is determined whether or not person information is included (S32).
As a result of the determination, when the employee account opening information receiving unit 11 refers to the employer account information storage unit 21 and determines that the employee account opening information has the employer account specifying information (Y) Stores the employee information in the employee account opening information in the employee information storage unit 22 (S33).

On the other hand, when the employee account opening information receiving unit 11 determines that the employee account opening information does not have the employer account specifying information (N), the employee account opening information receiving unit 11 determines that the employee account opening information receiving unit 11 A request for acceptance of specific information is made, and in response to this request, an employer account information acceptance unit (not shown) determines whether or not employer account information has been accepted (S34).
As a result, when the employer account information accepting unit accepts the employer account information (Y), the accepted employer account information is stored in the employer account information storage unit 21 (S35). On the other hand, when the employer account information is not received (N), the processing is ended (end).
In addition, when the employee account opening information is received, the employee information is stored in the employee information storage unit 22, and the employee account opening unit 12 opens a follower account in the specified employer account (S36). . Then, the employee account information of the established employee account is stored in the employee account information storage unit 23 in association with the employee account information (S37).

If the employee account opening information receiving unit 11 determines that the employee account opening information is not received (N), the employee account use information receiving unit 13 specifies the employee who manages the employee account. It is determined whether or not registration information for using an employee account including employee identification information to be used and authentication information known only by the employee himself / herself is accepted (S38).
As a result, when the employee account use information receiving unit 13 receives registration information for using the employee account (Y), the employee account use information receiving unit 13 selects an employee that matches the received registration information. It is determined whether there is a person account (S39).
If the employee account use information receiving unit 13 determines that there is an employee account that matches the received registration information (Y), the employee account use information is received as it is (S40). On the other hand, if it is determined that there is no matching employee account (N), the processing is ended (end) without receiving registration information for using the employee account.
When the employee account usage information receiving unit 13 receives the employee account usage information, the employee authentication information registration unit 14 stores the authentication information in the employee account usage information in the employee account information storage unit 23. (S41).

If the employee account use information receiving unit 13 has not received registration information for use of the employee account (N), then the deposit / withdrawal information receiving unit 15 adds a predetermined employee account. It is determined whether or not deposit information for depositing is accepted (S42).
As a result, when the deposit / withdrawal information accepting unit 15 accepts the deposit information (Y), the employee who has received the deposit information received by the deposit acceptability determining unit 18 is opened by the employee account opening unit 12. It is determined whether or not the information can be deposited into the account (S43).
Whether or not it is possible to deposit money into an employee account is determined by referring to the employer account information storage unit 21 or the employee account information storage unit 23 by the deposit allowance / non-permission determination unit 18 and the employee account associated with the employee account. This is done by determining whether or not it is a deposit request from.

If it is determined that the deposit is acceptable (Y), the deposit processing execution unit 19 establishes the amount indicated by the received deposit information from the employer account in the employer account. A deposit process for transferring to an account is performed (S44). On the other hand, if it is determined that the deposit is not possible (N), the process is terminated (end).
When the deposit process is performed, the fund transfer processing unit 16 continues to update the balance information of a predetermined employee account by adding the amount of the deposited amount according to the deposit information (S45).

If the deposit / withdrawal information accepting unit 15 does not accept deposit information (N), the deposit / withdrawal information accepting unit 15 then proceeds to withdraw the money that has been deposited into the predetermined employee account. It is determined whether or not withdrawal information for making money has been received (S46).
As a result, when the deposit / withdrawal information accepting unit 15 accepts the withdrawal information (Y), the employee account is continuously based on the employee confirmation information and the authentication information that the discriminating unit 17 accepts together with the withdrawal information. The information storage unit 23 is referred to and it is determined whether or not the employee account can be used (S47). On the other hand, when the withdrawal information is not received (N), the processing is ended (end).

And when the discrimination | determination part 17 discriminate | determines whether it is useable as a result of having discriminate | determined whether the said employee account can be used (Y), the said withdrawal with which the withdrawal process implementation part (not shown) received was received. The withdrawal process is performed from a predetermined employee account according to the instruction of the information, and wages are paid to the employee (S48). On the other hand, if it is determined that it cannot be used (N), the process is terminated (end) without making a withdrawal from the employee account.
Further, when a withdrawal processing execution unit (not shown) withdraws from a predetermined employee account in accordance with the withdrawal information instruction, the fund transfer processing unit 16 withdraws the balance information of the predetermined employee account. Update is made so that the amount of money is subtracted (S49). This completes (ends) a series of wage payment processing in the wage payment processing apparatus 10.

  Thereby, in this embodiment, when an employee account is opened, the employee account is opened from the employer account instructed based on the employer account specifying information received by the employee account opening information receiving unit 11. We will refuse to make payments to employee accounts other than prescribed payments, such as paying wages to a given employee account, even if the employee is making an act of depositing into his / her employee account, and restrict the use of the employee account. And can be easily managed.

Next, another embodiment will be described with reference to FIG. In the above-described embodiment, an example of performing authentication using employee account authentication information registered in advance when performing withdrawal processing from an employee account has been described. The use of the employee account may be permitted after the authentication based on the account (employee financial institution account) information. In addition, about the structure corresponding to each structure of the above-mentioned embodiment, the same code | symbol is attached | subjected and description is abbreviate | omitted.
In FIG. 15, in the present embodiment, a plurality of cash automatic processing apparatuses 101 can be connected to the financial institution system 1. The automatic cash processing apparatus 101 is constituted by a cash dispenser or an automatic teller machine (ATM).
This automatic cash processing apparatus 101 includes a touch panel and input keys for receiving input of processing requests and authentication information from a recipient to a recipient account, a display unit for displaying transaction processing menus and processing results for input contents, a cash card A card reader for reading data, a system of the financial institution 1, and a communication processing unit for communicating with the wage payment management apparatus 10 are provided.
In addition, it may replace with this cash processing apparatus and may perform a payment process (transfer, transfer) using an internet banking system using a personal computer.
In this case, similar processing can be performed by inputting employee financial institution information and authentication information from a personal computer.

As shown in FIG. 16, the wage payment processing apparatus 10 includes at least an employee account opening information receiving unit 11, an employee account opening unit 12, an employee account use information receiving unit 13, and an employee authentication information registration unit. 14, transaction information receiving unit 15, fund transfer processing unit 16, determination unit 17, deposit acceptance / rejection determination unit 18, deposit processing execution unit 19, employer account information storage unit 21, employee information storage unit 22, an account information storage unit 121, and an employee account information storage unit 123.
Although not shown, the wage payment processing apparatus 10 includes storage means such as an operating system, a wage payment processing program, a hard disk drive device that stores various data for wage payment processing, and a memory such as a RAM, and a CPU. The (Central Processing Unit) can realize the above functions by reading out and executing programs and data from these storage means.

The account information storage unit 121 is a storage unit that stores information on an account established in a financial institution. In this account information storage unit 121, as shown in FIG. 17, the account number, account classification (normal, current etc.), transaction type (withdrawal, payment, etc.), transaction amount, balance after transaction, authentication information (password) Number, biometric authentication information, etc.) and, if necessary, a split account number and employee ID can be stored.
The account information storage unit 121 can store both an employer account and an employee financial institution account. When the employer uses it as an employer account, an employee account is set by dividing a part of the storage area of the account, and the divided account number and employee ID can be stored. Therefore, storage areas such as division numbers, employee IDs, and employee account balances are not provided for accounts that are not used as employer accounts.
In the example of FIG. 17, 10000001 and 10000002 are assigned as account numbers 1234567 to employee IDA0001 and A00002, respectively, as split account numbers as employee accounts. On the other hand, an account with an account number 11223344 is an account that an employee has in a financial institution (employee financial institution account) separately from the employer account, and the account type, transaction type, and transaction are the same as a normal transaction account. There is an area for storing the amount and balance, and it is possible to perform withdrawal and deposit processing for this account, but no split account is set.

  In this example, the information on the employer account and the employee financial institution account is collectively stored in the account information storage unit. However, the employer account and the employee financial institution account are stored in separate storage units. You may do it.

The employee account information storage unit 123 is a storage unit that stores information related to employee accounts.
As shown in FIG. 18, the employee account information storage unit 123 can store an employee ID, an employee account number, employee financial institution account information, and an employer account number.
The employee financial institution number is an account number of an account (an ordinary account, a current account, etc.) opened by the employee in the financial institution.

Next, an example of the payment processing method according to the above-described embodiment will be described.
First, processing of the entire system will be described with reference to FIG.
In FIG. 19, the employer 2 and the employee 3 are assumed to have opened an account in a financial institution in advance. As a result, the cash card storing the account information of the opened account (employee financial institution account) is issued to the employee, and the cash card and authentication information such as a personal identification number and biometric authentication information are used. The cash processing apparatus 101 is ready for transactions such as withdrawal and payment.

  In this state, in order to open an employee account for the employer to transfer wages and the like, the employer 2 applies to the financial institution 1 for opening an employee account (61). The financial institution 1 transmits the accepted employee account opening information to the wage payment processing apparatus 10. At this time, the financial institution 1 transmits the electronic data to the wage payment processing apparatus 10 as it is, and if it is paper, converts it into electronic data and transmits it to the wage payment processing apparatus 10.

  The wage payment processing apparatus 10 receives the employee account opening information transmitted from the financial institution 1 (62). The employee account opening information includes at least the account number of the employer account issued by the financial institution 1, the employer account specifying information, the account number of the employee financial institution account of the employee who wishes to open a new employee account, Information such as financial institution name and branch name is included as necessary.

When receiving the employee account opening information, the wage payment processing apparatus 10 stores the employee information in the employee account opening information (63).
When receiving the employee account opening information, the wage payment processing device 10 divides a part of the storage area of the employer account in the employer account information storage unit 21 based on the employer account specifying information in the employee account opening information. Then, the employee account is opened by assigning and storing the employee account (64).
When the opening of the employee account is completed, the wage payment processing apparatus 10 notifies the employer 2 and / or the employee 3 of the opening of the employee account.
In addition, when the establishment of the employee account is completed, the wage payment processing apparatus 10 stores the employee account information in association with the employer account information that is the established original account (65).

  Thus, for example, the state of the employer account after the employer having the employer ID of 100001 has opened the employee account in the employer account with the account number 1234567 having a balance of 1 million yen is the above-mentioned figure. This is the same as shown in 14 (a). In FIG. 14A, an employee account in which a divided account number of 10000001 is assigned to an employee who has been assigned an employee ID of A00001 and an employee ID of A00002 in accordance with an application for opening an employee account. It is shown that an employee account or the like to which a divided account number of 10000002 is assigned to an employee to which is assigned is established.

  In this state, the employer 2 deposits the wage equivalent amount from the employer account to the employee account via the financial institution 1 or directly to the wage payment processing apparatus 10 in order to pay the employee 3 wages. An instruction is transmitted (66).

The wage payment processing apparatus 10 receives payment information for instructing payment to the employee account from the employer 2 (67). This deposit information includes at least employee account number and information related to the deposit amount.
When receiving the payment information, the wage payment processing apparatus 10 processes the transfer of funds to the employee account (68). Thus, for example, the state of the employer account after the employer having an employer ID of 100001 paid each employee a daily wage from the employer account of account number 1234567 having a balance of 1 million yen. Can be shown in FIG. In FIG. 14A, in accordance with the wage payment instruction from the employer to the employee, the employee account assigned the division account number 10000001 of the employee assigned the employee ID A00001 is 20,000 yen. , The employee account 10,000 Yen with the split account number of 10000002 of the employee with the employee ID of A00002 was deposited respectively, and the balance of the employer account was shown to be 970,000 Yen Yes. In addition, the balance of the employer account that the employer can use (withdraw) is 970,000 yen, and the employer cannot use (withdraw), but within the employee account that each employee can use (withdraw) individually. Each has a balance of 20,000 yen and 10,000 yen.

  After the wage is deposited in the employee account, the employee 3 uses the automatic cash processing apparatus 101 of the financial institution 1 to send the withdrawal request information from the employee account to the wage payment processing apparatus 10. Transmit (69). At this time, the employee selects “withdrawal” from the “employee account” on the automatic cash processing apparatus 101 and inputs the cash card of the employee financial institution account and the authentication information of the employee financial institution account. Enter the withdrawal amount. Thereby, the automatic cash processing apparatus 101 transmits the information read from the cash card such as the employee financial account number and the financial institution code and the input authentication information to the wage payment processing apparatus 10.

The wage payment processing apparatus 10 receives the account number, financial institution code, and withdrawal amount of the employee financial institution account notified from the cash processing apparatus 101 (70).
Then, the wage payment processing apparatus 10 authenticates the input account number and financial institution code of the employee financial institution account (71). As a result of the authentication, if the input information such as the account number of the employee financial institution account and the financial institution code is not appropriate, the wage payment processing apparatus 10 notifies the cash processing apparatus 101 of a message to that effect. End the process.
If the information such as the account number of the employee financial institution account and the financial institution code input is appropriate as a result of the authentication and the balance is equal to or greater than the withdrawal amount, the wage payment processing apparatus 10 The balance is updated by subtracting the amount of payment by the amount of payment (72). Then, cash payment instruction information is transmitted to the automatic cash processing apparatus 101 (73).
This allows the employee to receive wages paid by the employer via the employee account (74).

Next, in the above-described payment processing method, the details of the processing performed by the automatic cash processing apparatus 101 among the processing from (69) to (74) will be described with reference to FIG.
In FIG. 20, the automatic cash processing apparatus 101 is in a standby state with the transaction initial screen displayed as shown in FIG. In this state, the transaction menu (deposit, withdrawal, transfer, bookkeeping, etc.) of the automatic teller machine 101 is displayed.
When the employee selects the “withdrawal” transaction in this state, the automatic teller machine 101 displays a message so as to select which account to withdraw as shown in FIG. 23 (101).
Here, when the employee account is selected, the cash automatic processing apparatus 101 requests input of authentication information such as a cash card and a personal identification number of the subsidiary financial institution account as shown in FIG. 24 (S102).

The automatic cash processing apparatus 101 reads information such as the account number and financial institution code of the employee financial institution account from the input cash card, and transmits the read information and the input personal identification number to the payment processing apparatus 10. Authentication request (S103).
If the account number and financial institution code of the employee financial institution account are appropriate as a result of authentication by the payment processing apparatus 10, the automatic cash processing apparatus 101 requests input of the withdrawal amount (S104).

When the withdrawal amount is input, the cash automatic processing apparatus 101 notifies the payment processing apparatus 10 of the input withdrawal amount (S105).
The automatic cash processing apparatus 101 determines whether or not there is a notification from the payment processing apparatus 10 that withdrawal can be made (S106).
As a result of the determination, if the withdrawal cannot be made, such as when the withdrawal amount exceeds the balance of the employee account, the processing is terminated by displaying that fact.
As a result of the determination, if the withdrawal is possible, the automatic cash processing apparatus 101 performs a cash payout process for the requested amount (S107) and ends the process.
In the above-described example, the processing in the case of “withdrawal” has been described. However, in the case of transfer from an employee account to another account and transfer processing, it can be performed by the same processing as described above.

Next, in the payment processing method described above, the details of the processing performed by the payment processing device 10 among the processing from (69) to (74) will be described with reference to FIG.
In FIG. 24, when the account number and the authentication information of the employee financial institution account are transmitted together with the withdrawal request for the employee account from the cash processing apparatus 101, the deposit / withdrawal information receiving unit 15 displays the employee financial institution. The account number and authentication information of the account are received (S201).

Whether the employee account availability determination unit 17 matches the inputted employee financial institution account information and the inputted authentication information with the authentication information of the employee financial institution account information stored in the account information storage unit 121. It is determined whether or not (S202).
If the input information does not match the information stored in the account information storage unit 121 as a result of the determination, the automatic cash processing apparatus 101 is notified to that effect and the processing is terminated.

  When it is determined that the information input as a result of the determination matches the employee financial institution information stored in the account information storage unit 121 and the authentication information of the account, the employee account availability determination unit 17 performs automatic cash processing. The device 101 is notified (S203).

In response to the notification, when the withdrawal request amount input by the employee is notified from the automatic cash processing apparatus 101, the employee account availability determination unit 17 refers to the employee account information storage unit 123, and The employer account number and the employee account number stored in association with the employee financial institution account information are specified (S204).
The employee account availability determination unit 17 refers to the account information storage unit 121, extracts the employee account balance and the balance of the employee account specified by the employee account number, and outputs the balance of the employee account. It is determined whether or not the money amount is over (S205).
As a result of the determination, if it is determined that the balance of the employee account is not equal to or greater than the withdrawal amount, the processing is terminated by notifying the automatic cash processing apparatus 101 to that effect.

  If the employee account balance is equal to or greater than the withdrawal amount, the employee course balance information update unit 16 stores the transaction information in the employee account and updates the balance (S206). Then, a withdrawal processing instruction is notified to the cash processing apparatus 101 (S207), and the processing is terminated.

According to the above-described embodiment, in addition to the effects of the above-described embodiment, even when the employee withdraws from the employee account, the employee remembers the account number of the employee account, or the employee financial institution account. Apart from the cash card and authentication information, there is no need to have a cash card or authentication information for employee accounts. Therefore, the employee can withdraw money from the employee account by using one cash card and authentication information called the employee financial institution account, which is very efficient.
Further, since the employee account is an account provided in the employer account to the last, in addition to the case of transferring funds between accounts, the load on the system when transferring funds is reduced. As a result, it is possible to receive a transfer that will be handled on the next day in the past (especially even if it is a transfer after 3 pm).

  In addition, as a financial institution, the cost and trouble of newly issuing a cash card are eliminated, and the number of accounts is not increased, so that the system load can be reduced.

  In addition, as an employer, when performing a transfer process to an employee financial institution account, the employer had to bear the transfer fee, but the employee account is an account established in the employer account. Therefore, the transfer fee can be reduced.

Next, an example in which the system of the above embodiment is applied to a system provided with an interbank server that exchanges data among a plurality of financial institutions will be described with reference to FIG.
The same components as those in FIGS. 15 and 16 described above are denoted by the same reference numerals and description thereof is omitted.
In FIG. 25, there are a plurality of financial institutions (such as financial institution A and financial institution B), and between the banks for switching settlement data such as funds transfer data between accounts between these financial institutions A and financial money B A server 102 is connected to be communicable via a dedicated line.
The inter-bank server 102 stores the financial institution code and branch code of each financial institution, and the transmission address information of each financial institution system, so that payment data can be transmitted and received between a plurality of financial institutions. It has become.

The financial institution A is provided with an employer account of the employer 2 and the wage payment processing apparatus 10 of the above-described embodiment. The financial institution B has an employee's account (ordinary account).
The interbank server 102 can be connected to an automatic cash processing apparatus 101 installed in a store of each financial institution A and financial institution B via a dedicated line or the like. The inter-bank server 102 receives cash card data (financial institution code, branch code, account number, check code, etc.), personal identification number data, and processing type data (payment, transfer, transfer, etc.) transmitted from the automatic cash processing apparatus 101. Is received and data is transferred to the financial institution corresponding to the designated financial code.

  A case where wages are paid from the employer 2 to the employee 3 in the system of FIG. 25 will be described. In addition, the employer 2 has opened an employer account in the financial institution A, and an employee account for a trader is provided according to the employer account. Employee 3 is assumed to have opened an account with a financial institution in advance. As a result, the cash card storing the account information of the opened account (employee financial institution account) is issued to the employee, and the cash card and authentication information such as a personal identification number and biometric authentication information are used. The cash processing apparatus 101 is ready for transactions such as withdrawal and payment.

In this state, the employer 2 deposits the wage equivalent amount from the employer account to the employee account via the financial institution 1 or directly to the wage payment processing apparatus 10 in order to pay the employee 3 wages. The instruction information is input and transmitted to the financial institution A (81). This payment instruction includes net banking that is performed via the Internet from a personal computer held by the employer, an employer's account number that the employer uses the cash automatic processing apparatus 101, an employee account number that pays, and a deposit amount. This is done by inputting such information and transmitting the information to the financial institution A system.
The employer may write the deposit instruction information on paper or submit it to the financial institution A by FAX, and input information on the financial institution A side based on the deposit instruction information transmitted from the employer. Good.

The wage payment processing apparatus 10 receives payment information for instructing payment to the employee account from the employer 2 (82). This deposit information includes at least information on the employer account number, the employee account number, and the deposit amount.
Upon receipt of the payment information, the wage payment processing device 10 processes the transfer of funds to the employee account, updates the balance information obtained by subtracting the deposit amount from the account balance of the employer account, and receives the payment destination employee account. The balance information with the deposited amount is updated (83).
Thus, for example, the state of the employer account after the employer having an employer ID of 100001 paid each employee a daily wage from the employer account of account number 1234567 having a balance of 1 million yen. Can be shown in FIG. In FIG. 14A, in accordance with the wage payment instruction from the employer to the employee, the employee account assigned the division account number 10000001 of the employee assigned the employee ID A00001 is 20,000 yen. , The employee account 10,000 Yen with the split account number of 10000002 of the employee with the employee ID of A00002 was deposited respectively, and the balance of the employer account was shown to be 970,000 Yen Yes. In addition, the balance of the employer account that the employer can use (withdraw) is 970,000 yen, and the employer cannot use (withdraw), but within the employee account that each employee can use (withdraw) individually. Each has a balance of 20,000 yen and 10,000 yen.

After the wage is deposited in the employee account, the employee 3 makes a withdrawal request from the employee account to the wage payment processing apparatus 10 using the automatic cash processing apparatus 101 of the financial institution 1. (84). At this time, the employee selects “withdrawal” from the “employee account” on the cash automatic processing apparatus 101 and cashes the transaction account (employee financial institution account) that the employee has in the financial institution B. Enter the card, authentication information such as the PIN of the account, and the withdrawal amount.
As a result, the employee financial account number read from the cash card by the automatic cash processing apparatus 101, the financial institution code of the financial institution where the account is provided, the branch code, and the authentication information entered by the employee between the banks Send to server 102.

  When the interbank server 102 receives the employee financial account number, financial institution code, and authentication information (such as a personal identification number) transmitted from the cash automatic processing apparatus 101, the interbank server 102 receives the financial institution code and branch code of the received employee financial account. An authentication request is made by transmitting the employee financial account number and authentication information to the financial institution B where the employee's transaction account is provided (85).

  The financial institution server of the financial institution B refers to the account number and authentication information stored in the held account master, and stores the account number read from the employee's cash card and the input authentication information. Authentication is performed by determining whether or not the information matches with the information being sent, and the authentication result is transmitted to the inter-bank server 102 (86).

When the authentication information inputted by the employee from the financial institution B is correct, the inter-bank server 102 transmits the temporarily stored employee account number to the financial institution A (87) (87) ).
When the financial institution B notifies that the authentication information is not correct, it notifies the cash automatic processing apparatus 101 operated by the employee that the input information is incorrect, End the process.

When the wage payment support apparatus 10 of the financial institution A receives the payment request including the account number of the employee financial institution account and the financial institution code from the inter-bank server 102 (88), the wage payment processing apparatus 10 receives the received employee. The account number and financial institution code of the financial institution account are authenticated (89).
As a result of the authentication, if the received information such as the account number of the employee financial institution account and the financial institution code is not appropriate, the wage payment processing apparatus 10 notifies the cash processing apparatus 101 of the message to that effect. Exit.

In addition, as a result of the authentication, if the received information such as the account number of the employee financial institution account and the financial institution code is appropriate and the balance is equal to or greater than the withdrawal amount, the wage payment processing apparatus 10 The balance is updated by subtracting the balance from the payment amount (90). Then, a cash payment instruction is given to the automatic cash processing apparatus 101 via the inter-bank server 102 (91).
This allows the employee to receive wages paid by the employer via the employee account (92).

Next, in the payment processing method described above, the details of the processing performed by the payment processing device 10 among the processing from (88) to (92) will be described with reference to FIG.
In FIG. 27, when the account number and the authentication information of the employee financial institution account are transmitted together with the withdrawal request for the employee account from the inter-bank server 102, the deposit / withdrawal information receiving unit 15 displays the employee financial institution. The account number and authentication information of the account are received (S301).

The employee account availability determination unit 17 determines whether or not the input employee financial institution account information and the input authentication information are appropriate (S302). This processing is performed by the employee account availability determination unit 17 determining whether or not it matches the authentication information of the employee financial institution account information stored in the account information storage unit 121.
As a result of the determination, if the received information is not appropriate, the process is terminated by notifying the automatic cash processing apparatus 101 to that effect.

  If it is determined as a result of the determination that the input information is appropriate, the employee account availability determination unit 17 notifies the automatic cash processing apparatus 101 via the inter-bank server 102 (S303).

In response to the notification, when the withdrawal request amount input by the employee is notified from the automatic cash processing apparatus 101, the employee account availability determination unit 17 refers to the employee account information storage unit 123, and The employer account number and the employee account number stored in association with the employee financial institution account information are searched and specified (S304).
The employee account availability determination unit 17 refers to the account information storage unit 121, extracts the employee account balance and the balance of the employee account specified by the employee account number, and outputs the balance of the employee account. It is determined whether or not the money amount is over (S305).
As a result of the determination, if it is determined that the balance of the employee account is not equal to or greater than the withdrawal amount, the automatic cash processing apparatus 101 is notified to that effect and the processing is terminated.

  If the balance of the employee account is equal to or greater than the withdrawal amount as a result of the determination, the employee course balance information update unit 16 stores the transaction information in the employee account and updates the balance (S306). ) Withdrawing processing instruction data is transmitted to the cash processing apparatus 101 (S307), and the processing is terminated.

  As described above, according to the example shown in FIG. 25 described above, the transaction account held by the employee (employee financial institution account) is different from the financial institution where the employer account is provided. However, the employee can withdraw cash from the employee by a procedure that does not change much when transaction processing is performed using the cash card of the transaction account.

In the example shown in FIG. 25 described above, the example in which the wage payment management apparatus 10 is provided in the financial institution A where the employer account is established has been described. However, the account number of the employer account and the split account number are The inter-bank server holds the data stored in association with each other, and the inter-bank server 102 requests the bank card authentication request to the financial institution B where the requested employee account is opened and the withdrawal request from the employee account. You may make it perform the process which distributes a process.
In addition, a settlement bank system is provided separately from the financial institutions A and B, and the settlement bank system stores data stored in association with the account number of the employer account and the split account number in the inter-bank server, The inter-bank server 102 may perform a process of distributing a cash card authentication request to the financial institution B with the requested employee account and a withdrawal request process from the employee account.

  In each of the above-described embodiments, a financial institution that manages an employer account opened by the employer pays wages from the employer to the employee via the employer account, or the employee account. However, the present invention is not limited to the above-described embodiment, and the employee account is limited to certain conditions. Below, for example, when the balance of the employee account becomes “0 yen”, or when the balance of the employee account becomes “0 yen” and a certain period of time has elapsed, the virtually established employee account is identified. The employee account number (ID number) is deleted, or the employee account is deleted, or the expiration date is set so that the employee account that has not been traded for a certain period is also deleted. good. As a result, on the employer side, it is possible to resolve the situation where there is no account (no balance) remaining indefinitely, and on the financial institution side, by clearing unnecessary accounts, This is desirable because it is not necessary to secure a storage area for the user account, and the system load is reduced.

  Further, in the present invention, the wage payment method from the employer, for example, the type of daily payment, weekly payment, monthly payment is stored in the employee account information storage unit, and the handling fee is set according to the payment method. A calculation means for calculating may be provided. Thus, for example, by setting beforehand 100 yen for daily payments, 50 yen for weekly payments, and no fee for monthly payments (0 yen), the financial institution will follow along with the opening of the employee account. The fee for the burden can be calculated separately for each payment method.

It is a whole lineblock diagram showing roughly an example of a system for carrying out a wage payment processing method concerning an embodiment of the invention. It is a block diagram which shows simply the structure of the apparatus used for the wage payment processing system which concerns on embodiment of this invention. It is a sequence diagram which shows an example of the flow of the wage payment processing method which concerns on embodiment of this invention. It is a flowchart figure which shows an example of the flow in the apparatus used for the wage payment processing system which concerns on embodiment of this invention. It is a flowchart figure which shows the continuation of an example of the flow in the apparatus used for the wage payment processing system which concerns on embodiment of this invention. It is a sequence diagram which shows the other example of the flow of the wage payment processing method which concerns on embodiment of this invention. It is a sequence diagram which shows the continuation of the other example of the flow of the wage payment processing method which concerns on embodiment of this invention. It is a flowchart figure which shows the other example of the flow in the apparatus used for the wage payment processing system which concerns on embodiment of this invention. It is a flowchart figure which shows the continuation of the other example of the flow in the apparatus used for the wage payment processing system which concerns on embodiment of this invention. It is a block diagram which shows an example of the employer information which concerns on embodiment of this invention. It is a block diagram which shows an example of the employer account information which concerns on embodiment of this invention. It is a block diagram which shows an example of the employee information which concerns on embodiment of this invention. It is a block diagram which shows an example of the employee account information which concerns on embodiment of this invention. It is the schematic explaining dispersion | distribution. It is a block diagram explaining an example after (a) an employee account opening of an employer account which concerns on embodiment of this invention, after (a) wage payment, (c) wage withdrawal, respectively. It is a whole block diagram which shows roughly an example of the system for enforcing the wage payment processing method which concerns on another embodiment of this invention. It is a block diagram which shows simply the structure of the apparatus used for the wage payment processing system which concerns on another embodiment. The figure which showed an example of the data memorize | stored in the financial account which concerns on another embodiment. The figure which showed an example of the data memorize | stored in the employee account which concerns on another embodiment. The figure which showed the flow of the whole process which concerns on another embodiment. The processing flow of the automatic cash processing apparatus which concerns on another embodiment. The figure which showed an example of the screen of the automatic cash processing apparatus which concerns on another embodiment. The figure which showed an example of the screen of the automatic cash processing apparatus which concerns on another embodiment. The figure which showed an example of the screen of the automatic cash processing apparatus which concerns on another embodiment. The processing flow of the payment processing apparatus which concerns on another embodiment. The figure which showed the flow of the whole process which concerns on another embodiment. The figure which showed the flow of the whole process which concerns on another embodiment. The processing flow of the cash automatic processing device concerning another embodiment.

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Financial institution, 2 ... Employer (employer use terminal), 3 ... Employee (employee use terminal), 10 ... Wage payment processing apparatus.

Claims (10)

A system for processing payment from a payer to a payee using an account opened in a financial institution,
A first storage means for storing a payer account opened by the payer and a payee account that receives the amount paid by dividing a part of the payer account into the payer account;
A fund transfer means for accepting an instruction from the payer and transferring a predetermined amount of funds from the payer account stored in the first storage means to the payee account;
A payment processing system comprising: Second storage means for storing authentication information for authenticating the recipient in association with the account information of the opened recipient account;
Accepting means for accepting the receipt account number and recipient authentication information upon a payment request from the recipient account;
Referring to the second storage means, it is determined whether or not the input receipt account number and receipt authentication information are appropriate, and if these input information is appropriate, Processing means for permitting the transfer of funds;
The payment processing system according to claim 1. Further comprising authentication information registration means for accepting input of authentication information of a recipient account designated by the recipient when the recipient account is opened, and storing it in the second storage means;
The payment processing system according to claim 2. In the first storage means, account information of a payee financial institution account, which is an account opened by the payee in the financial institution separately from the payer account, is stored in association with the payee account information,
Accepting means for accepting input of the recipient financial institution account information from the recipient when the recipient makes a payment request from the recipient account;
When it is determined that the input recipient financial institution account information is appropriate, the funds from the recipient account associated with the recipient financial institution account information are referred to the first storage means. Payment processing means for permitting movement;
The payment processing system according to claim 1. The first storage means stores account information of a recipient financial institution account including recipient authentication information,
Discriminating means for discriminating whether or not the inputted recipient financial institution account information is appropriate with reference to the first storage means when receiving the input of the recipient financial institution account information from the recipient And further comprising
The payment processing system according to claim 4. The financial institution system is configured so that a cash processing apparatus can be connected,
The accepting means accepts the recipient financial institution account information inputted by inputting the cash card and authentication information of the recipient financial institution account to the cash processing machine,
The payment processing system according to claim 4 or 5. The above system is a payroll system,
The payer is an employer and the payee is an employee.
The payment processing system according to any one of claims 1 to 7. The payer account opened by the payer, the payee account of the payee who receives the paid amount by dividing a part of the payer account into the payer account, and the payee pays to the financial institution First storage means for storing the recipient financial institution account information, which is an account opened separately from the recipient account, in association with the recipient account information, and when the recipient makes a payment request from the recipient account Receiving means for accepting the input of the recipient financial institution account information from the automatic cash processing apparatus, and accepting an instruction from the payer, from the payer account stored in the first storage means to the recipient account When it is determined that the fund transfer means for transferring a predetermined amount of funds and the input recipient financial institution account information are appropriate, the recipient financial institution is referred to with reference to the first storage means. Related to account information Is kicked an automated cash processing device connectable to the financial institution system with a payment means for permitting the transfer of funds, the from the recipient account,
Accepting means for accepting processing for the recipient account to the recipient;
When the processing for the recipient account is accepted, the cashier of the recipient financial institution account and the input of authentication information are requested, and the input cash card information and authentication information are used as the recipient financial institution account information. An authentication request means to be transmitted to the financial institution system;
Display processing means for displaying the processing result when processing for the recipient account is permitted from the financial institution system;
The cash automatic processing apparatus characterized by having. A payment processing method performed by a financial institution system having first storage means for storing a payer account opened by a payer,
The above financial institution system
A process of opening a payer account dedicated to receiving a payee to be paid by dividing a part of the payer account based on a request from the payer;
A process of accepting an instruction from the payer and transferring a predetermined amount of funds from the payer account stored in the first storage means to the opened payee account;
A payment processing method. For a financial institution computer having a first storage means for storing a payer account opened by a payer,
A process of opening a payer account dedicated to receiving a payee to be paid by dividing a part of the payer account based on a request from the payer;
A process of accepting an instruction from the payer and transferring a predetermined amount of funds from the payer account stored in the first storage means to the opened payee account;
A computer program that executes

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