JP2017084261A - System, method and program for supporting payment of wage - Google Patents

Abstract

PROBLEM TO BE SOLVED: To support payment of wage from a user to a laborer.SOLUTION: A system for supporting payment of wage includes: a wage transfer data storage unit for storing wage transfer data received from a terminal device of a wage payment support trader commissioned by an employer; a wage transfer data approval processing unit for requesting approval of the wage transfer data to a user; a fund movement data generation unit for generating fund movement data for moving fund for transferring the wage to a laborer's account from the wage payment support trader's account to an exclusive account in response to having the wage transfer data approved; a fund movement data storage unit for storing the fund movement data; a fund movement data approval processing unit requesting approval of the fund movement data to the fund payment support trader; and a fund movement/transfer instruction unit for instructing movement of the fund by sending the fund movement data in response to having the fund movement data approved and instructing transfer of the wage by sending the wage transfer data in response to having the fund moved to the exclusive account.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a system, method, and program for supporting wage payment, and more particularly, to a system, method, and program for supporting wage payment from a user to a worker through a wage payment support provider. .

  Conventionally, EB (Electronic Banking) service has been widely used in business accounting operations. Workers 'wages in companies are also made by requesting financial institutions to transfer to workers' accounts using EB services.

  On the other hand, there are an increasing number of cases where wages are paid by account payment by entrusting work related to wage calculation and payment to a third party. In the case of hiring an emergency / temporary short-term contract worker (for example, part-time worker) and paying wages, in addition to attendance management and wage calculation, recruitment and employment may be entrusted to a third party. In particular, when a large number of workers with short-term contracts are required, it may be entrusted to a third party.

Director General, Labor Standards Bureau, Ministry of Health, Labor and Welfare, No. 0401001, “Handling of wages associated with consignment of wage calculation office work,” April 1, 2006

  However, when paying wages by account transfer to a financial institution or the like, the account transfer or the like is required to be performed from the user's own account managed by the user. In addition, when a third party entrusted sends salary transfer data to a financial institution, the result of wage calculation and approval to the financial institution such as account transfer to workers based on this are used. Required by the (For example, refer nonpatent literature 1).

  In addition, if a third party entrusted by the employer with work related to wage calculation and payment can change the worker's wage from the funds on hand and pay the wage on behalf of the user, the wage will be faster. (For example, daily payment).

  The present invention has been made in view of such a problem, and an object of the present invention is to provide a system, method, and program for supporting wage payment from a user to a worker through a wage payment support provider. Is to provide.

  In order to achieve such an object, one aspect of the present invention is a system that supports wage payment from a user to a worker. This system stores wage transfer data for transferring wages from the user's dedicated account to the worker's account, received from the terminal device of the wage payment support provider requested by the above-mentioned user who is different from the user and the worker. Wage transfer data storage means, wage transfer data approval processing means for requesting user to approve wage transfer data, and wage transfer to worker's account in response to wage transfer data being approved by user Fund transfer data generating means for generating fund transfer data for transferring funds for payment from the account of the wage payment support provider to the dedicated account.

  In one embodiment, the system further comprises fund transfer data storage means for storing fund transfer data and fund transfer data approval processing means for requesting approval of the funds transfer data from a wage payment support provider. In one embodiment, the system transmits the funds transfer data in response to the approval of the funds transfer data by the wage payment support provider to transfer the funds from the account of the wage payment support provider to a dedicated account. In response to the fact that funds have been transferred from the account of the wage payment support provider to the dedicated account, means for instructing the transfer of wages from the dedicated account to the worker's account by sending the above wage transfer data Is further provided.

  In one embodiment, the system determines whether the deposit or withdrawal instruction satisfies a predetermined deposit / withdrawal condition for the dedicated account in response to the notification of detection of the deposit or withdrawal instruction regarding the dedicated account. And a means for permitting the deposit or withdrawal regarding the dedicated account when the deposit / withdrawal condition is satisfied.

  Another aspect of the present invention is a computer-implemented method for supporting wage payments from a user to a worker. This method stores wage transfer data for transferring wages from the user's dedicated account to the worker's account, received from the terminal device of the wage payment support provider requested by the above user different from the user and worker. In response to requesting the user to approve wage transfer data, and in response to the approval of the wage transfer data by the user, the wage payment support provider's account will receive funds to transfer wages to the worker's account. Generating funds transfer data for transferring from a dedicated account to a dedicated account.

  In one embodiment, the method comprises storing funds transfer data and requesting approval of the funds transfer data from a wage payment support provider. In one embodiment, in response to the approval of the funds transfer data by the wage payment support agent, the funds transfer data is transmitted to direct the transfer of the funds from the wage payment support agent account to the dedicated account; In response to the funds being transferred from the account of the wage payment support provider to the dedicated account, the wage transfer data is transmitted to instruct the transfer of wages from the dedicated account to the worker's account.

  In one embodiment, the method determines whether the deposit or withdrawal instruction satisfies a predetermined deposit / withdrawal condition for the dedicated account in response to the notification of detection of the deposit or withdrawal instruction regarding the dedicated account. , Further comprising permitting the deposit or withdrawal regarding the dedicated account when the deposit / withdrawal condition is satisfied.

  One embodiment of the present invention is a program that causes a computer to execute the above method.

  As described above, according to the present invention, it is possible to provide a system, a method, and a program that support wage payment from a user to a worker through a wage payment support provider requested by the user. become. In addition, because deposits and withdrawals of dedicated accounts are controlled according to predetermined conditions, it is possible to prevent unintended deposits and withdrawals from dedicated accounts for purposes other than wage transfers. .

FIG. 4 is a diagram for explaining an embodiment of the present invention, in which (a) illustrates the movement of funds and the payment of wages controlled by a system that supports wage payment (also referred to herein as a wage payment support system). It is a figure for demonstrating a flow, (b) is a schematic block diagram of a wage payment support system. It is a figure explaining the contents of various databases (DB) which the data management part of the wage payment support system of one embodiment of the present invention has, (a) correlates a payment support trader and a client and deposits / withdraws in a dedicated account FIG. 4B is a diagram illustrating the contents of a DB that manages the conditions of FIG. 5B, FIG. 5B is a diagram illustrating the contents of a DB that manages information on payment support providers, and FIG. 6 is a flowchart illustrating a method for supporting wage payment according to an embodiment of the present invention. 6 is a flowchart illustrating a method for supporting wage payment according to an embodiment of the present invention. It is a figure which illustrates the information shown to a terminal unit by the approval processing part of the wage payment support system of one embodiment of the present invention, and (a) is a client's terminal in order to approve transfer data for wage payment. FIG. 5B is a diagram illustrating information presented on the apparatus, and FIG. 6B is a diagram illustrating information presented on the terminal device of the payment support provider to approve fund transfer data for transferring funds for wage payment.

  The present invention relates to a system for supporting wage payment from a user to a worker (wage payment support system). Payment of wages from employers to workers involves persons other than the employers and workers. Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In the following description, specific numerical values are shown, but the present invention is not limited to this, and it goes without saying that other numbers can be implemented without losing generality.

  FIG. 1A is a diagram for explaining the flow of funds and wage payment controlled by the wage payment support system.

  In this embodiment, the company A (160) is a person (company) that supports wage payment to a worker who uses the client based on a request from the client, that is, a wage payment support provider. Company A recruits and employs employees who use the client based on requests from the client, and also serves as a person (company) that supports the attendance management of the worker and the calculation and payment of wages. Good. In this case, the wage payment support provider has a time management / wage calculation device for managing the time and calculating wages of workers. The attendance management / wage calculation device records the work start time and end time by communicating with a portable information terminal (cell phone or smart phone) etc. possessed by the worker, and the wage calculation conditions (eg, Is a device for calculating wages based on wages per unit time. In this specification, the company A is also referred to as a wage payment support provider A. The company A has an account a1 at the bank P (100) that operates the wage payment support system 110 of the present embodiment. Further, the company A has an account a2 different from the account a1 in the P bank or the Q bank (190) (different from the P bank).

  The company B (170) is a person (company), that is, a client who requests a wage payment support provider (for example, the company A 160) to support wage payment for a worker who is an employee. Company B may be a person (enterprise) who requests a wage payment support provider to recruit and hire workers who are employees of the company and to support wage payment to the workers. In this specification, company B is also referred to as client B. Company B has a dedicated account b1 at bank P (100). Further, the company B has an account b2 different from the dedicated account b1 in the P bank or the Q bank. The dedicated account b1 is an account in which deposit / withdrawal conditions are set in advance. The deposit / withdrawal of the dedicated account b1 is limited to the case where the deposit is from a predetermined wage payment support provider's account (for example, the account a1 of the company A). This is limited to a person (for example, the transfer person set in the transfer data generated by the company A is the company B).

  Worker C (180) is a worker who provides labor and receives wages from an employer (for example, company B). The wage payment from the user to the worker C is supported by a wage payment support provider (for example, the company A). The worker C may be a person whose attendance is managed by a wage payment support provider (for example, the company A) and whose wage calculation and payment is supported by the wage payment support provider. Worker C has an account c at Q bank. Account c may be a P bank account.

  In the wage payment support system of this embodiment, as shown in FIG. 1 (a), the company B (170), which is the user of the worker C (180), pays the worker C with the company A (160). To support the payment of wages from the account a1 of the company A to the dedicated account b1 of the company B, and so that the wage is transferred from the dedicated account b1 to the account c of the worker C. Control the flow of funds and wages. In the present embodiment, an example is shown in which the transfer of wages is performed after the transfer of funds, but the transfer of funds may be performed after the transfer of wages.

  The funds transferred from the account a1 to the dedicated account b1 are later combined with a fee, etc., and the company B account b2 (for example, an account different from the dedicated account b1) to the company A account a1 or account a2 (account The account is settled by transfer to an account different from a1, etc., but detailed explanation of this settlement method is omitted. Such liquidation can be performed, for example, for one month.

  FIG.1 (b) is a schematic block diagram of a wage payment support system. As shown in FIG. 1B, the wage payment support system 110 is a part of the system of the P bank (100), and is a system that cooperates with the online banking system 130 and the account system 150.

  The online banking system 130 is a computer system that provides a service called an EB (Electronic Banking) service. The online banking system 130 is connected to a terminal device of a service user via a telecommunication line or a telecommunication line network (NW195) such as the Internet, and through a dialog, services such as transfer from a trading account and inquiry of a trading account are performed. provide. For example, a service user (for example, an accountant) can create transfer data using a terminal device and transmit it to the online banking system 130. The online banking system 130 requests a service user (for example, a payment approver) to approve the transfer before the transfer based on the transfer data is executed, and the service user (expendience approver) Can be used to send the transfer data to the account system and execute the transfer.

  In the present embodiment, the company A (160) is a user of a service provided by an online banking system of P bank (hereinafter also referred to as a service user), and the online banking system 130 and the wage payment support system from the terminal device 162. 110 can be accessed and interacted with. Similarly, the company B (170) is also a service user provided by the online banking system of P bank, and can access and interact with the online banking system 130 and the wage payment support system 110 from the terminal device 172. .

  FIG. 1B shows the wage payment support system 110 and the online banking system 130 separately, and the wage payment support system 110 uses some functional units (for example, the approval processing unit 136) of the online banking system 130. As shown. Part or all of the functions of the wage payment support system 110 may be included in the online banking system 130, or some or all of the functions of the online banking system 130 may be included in the wage payment support system 110. The wage payment support system 110 and the online banking system 130 include a processor, a memory, a storage device, an input / output device (including a keyboard, a display, a communication device, etc.), other hardware, and a software program recorded in the storage device. The various functional units described here are implemented by executing a software program on a processor.

  Referring to FIG. 1B, the wage payment support system 110 includes an input / output unit 112, a data management unit 114, a fund transfer data generation unit 122, and a dedicated account deposit / withdrawal condition determination unit 124. The data management unit 114 includes a dedicated account deposit / withdrawal condition DB 116, a payment support provider DB 118, and a requesting company DB 120.

  FIG. 2B illustrates the contents of the payment support provider DB 118. In the payment support provider DB 118, information for allowing the online banking system 130 and the wage payment support system 110 to interact with the service user (for example, the wage payment support provider A (160)) is registered in advance. As illustrated in FIG. 2B, the name “company A” of the wage payment support provider A (160), the store name “Akasaka branch” as information for identifying the account a1, the item “ordinary account” and the account number “456789”. ", And an email address" aaa@a.jp "as contact information and a company code" 123456 "as information for identifying the user of the online banking system 130 service (EB service) are registered in advance. ing. The company code is assigned by the bank P when the service use contract is made. For example, the company code is included in the transfer data transmitted from the terminal device to the online banking system 130 as information for identifying the transfer person, and is transmitted and received.

  FIG. 2C illustrates the contents of the client company DB 120. Similarly to the payment support provider DB 118, information for the online banking system 130 and the wage payment support system 110 to interact with the service user is registered in advance in the client company DB 120. The user registered in the requesting company DB 120 is a requesting company (for example, company B) that requests a wage payment support provider to support wage payment. As illustrated in FIG. 2C, the name “company B” of the requester B (170), the store name “main store” as information for identifying the dedicated account b1, the subject “current account” and the account number “987654”, and A mail address “bbb@b.jp” as contact information and a company code “654321” as information for identifying a user of the online banking system 130 service (EB service) are associated and registered in advance. Further, the store name “main store” and the subject “current account” / account number “987655” as information for identifying another dedicated account b3 of the requester B (170) are the name “company B” of the requester B (170), The mail address “bbb@b.jp” and the company code “654321” as contact information are registered in advance.

  FIG. 2A illustrates the contents of the dedicated account deposit / withdrawal condition DB 116. As illustrated in FIG. 2A, information on wage payment support provider A (company code “123456”, name “company A”, store name “Akasaka branch” as information for identifying account a1, and item “ordinary account”.・ Account number “456789”) and information of requesting company B requesting support for wage payment (name “company B” and store name “head office” as information for identifying dedicated account b1, course “current”) • account number “987654”) is registered in advance. Furthermore, the transfer contract code “KKK” assigned to the wage payment support provider A and the transfer contract code “MMM” for the dedicated account b1 assigned to the requesting company B are registered in advance. Similarly, information on the wage payment support provider S (company code “345678”, name “company S”, store name “Shibuya branch” as information for identifying the account of the wage payment support provider S, subject “ordinary account” and account number "678901") and information of the requesting company B requesting support for wage payment (name "company B" and store name "main store" as information for identifying the dedicated account b3, subject "current", account number "987655" ) And are registered in advance. Furthermore, the transfer contract code “JJJ” assigned to the wage payment support company S and the transfer contract code “LLL” for the dedicated account b3 assigned to the requesting company B are registered in advance. That is, the two dedicated accounts of the company B are associated with the wage payment support company A and the wage payment support company S, respectively. The transfer contract code is paid separately using a dedicated account under the control of the wage payment support system 110, separately from the company code allocated to the user of the online banking system 130 (EB service). Bank P allocates to users (wage payment support providers, clients). A company code may be used instead of the transfer contract code. Therefore, the company code “654321” of the requesting company B may be registered in advance instead of the transfer contract code or in addition to the transfer contract code. The transfer contract code (or company code) is referred to by the fund transfer data generation unit 122 and the dedicated account deposit / withdrawal condition determination unit 124.

  The input / output unit 112 is an input / output device interface (IF) and a communication IF. The wage payment support system 110 can send / receive various data to / from the online banking system 130, the billing system 150, and the terminal devices (162, 172) via the input / output unit 112.

  The funds transfer data generation unit 122 extracts information on a dedicated account (for example, information on the dedicated account of the company B “Head Office / Current / 987654”) from the transfer data transmitted to the online banking system 130, and a dedicated account deposit / withdrawal condition Referring to the DB 116, account information (company A account information “Akasaka branch / ordinary / 456789”) of the wage payment support provider (for example, company A (160)) associated with the dedicated account information and the company The code (company A's company code “123456”) is specified. Furthermore, the fund transfer data generation unit 122 generates fund transfer data for transferring funds for transferring wages from the account of the wage payment support provider to the dedicated account. FIG. 5B illustrates a screen for approving funds transfer data presented on the terminal device of company A.

  The dedicated account deposit / withdrawal condition determination unit 124 refers to the dedicated account deposit / withdrawal condition DB 116 in response to the account system 150 detecting a deposit or withdrawal instruction for the dedicated account (for example, the dedicated account b1). , Whether the deposit is from a predetermined wage payment support provider account (e.g., company A account a1) and whether the withdrawal is by a predetermined transfer (e.g., The transfer person set in the transfer data generated by the company A is the company B, the company code is “654321” assigned to the company B, and / or the payment support company code is “MMM” assigned to the company B. Is determined).

  Referring to FIG. 1B again, the online banking system 130 includes a wage transfer data storage unit 132, a fund transfer data storage unit 134, an approval processing unit 136, and a fund transfer / transfer instruction unit 142. The approval processing unit 136 includes a wage transfer data approval processing unit 138 and a fund transfer data approval processing unit 140. As described above, the wage transfer data storage unit 132, the fund transfer data storage unit 134, the wage transfer data approval processing unit 138, the fund transfer data approval processing unit 140, and the fund transfer / transfer instruction unit 142 are included in the wage payment support system 110. It may be provided.

  The wage transfer data storage unit 132 stores the transfer data as wage transfer data when the transfer data transmitted from the terminal device of the service user to the online banking system 130 includes information for identifying the dedicated account. The online banking system 130 extracts information for identifying the transfer source account (withdrawal account) from the transmitted transfer data, and refers to the dedicated account deposit / withdrawal condition DB 116, and the transfer data identifies the dedicated account. Can be determined. Alternatively, when a predetermined number band is assigned as the account number of the dedicated account, the online banking system 130 determines the account number in the information for identifying the transfer source account (withdrawal account) from the transmitted transfer data. Based on the above, it can be determined whether or not the transfer data is wage transfer data.

  The fund transfer data storage unit 134 stores the fund transfer data generated by the fund transfer data generation unit 122 (for example, data for transferring funds from the account a1 to the dedicated account b1).

  The fund transfer / transfer instruction unit 142 transmits the fund transfer data stored in the fund transfer data storage unit 134 to the account system 150 and instructs the transfer of funds. Further, the fund transfer / transfer instruction unit 142 transmits the wage transfer data stored in the wage transfer data storage unit 132 to the account system 150 to instruct wage transfer.

  The approval processing unit 136 presents the transfer data to the service user (for example, the terminal device of the expenditure approver) before the transfer using the transfer data transmitted from the service user terminal device to the online banking system 130 is executed. And requesting approval for the transfer.

  When it is determined that the transfer data transmitted from the service user's terminal device to the online banking system 130 is wage transfer data, the wage transfer data approval processing unit 138 determines the transfer person specified in the wage transfer data (for example, The confirmation email address (for example, bbb@b.jp) of the company B) is extracted from the requested company DB 120. The wage transfer data approval processing unit 138 includes information associated with the transfer person (for example, company B) designated in the wage transfer data (for example, information on the dedicated account “head office / current / 987654”, client name “company B”). , Based on the payment support company code “MMM” and / or company code “654321”), the confirmation mail address “bbb@b.jp” of the transfer person can be extracted from the request company DB 120. The wage transfer data approval processing unit 138 notifies the transfer person's confirmation e-mail address (for example, the e-mail address “bbb@b.jp” of the company B that the wage transfer data has been transmitted by the company A and requests an approval. The wage transfer data approval processing unit 138 presents the wage transfer data stored in the wage transfer data storage unit 132 in response to an access from the client terminal device (for example, the terminal device 172).

  The fund transfer data approval processing unit 140 determines that the transfer data transmitted from the terminal device of the service user to the online banking system 130 is wage transfer data, and the wage transfer data is approved by the requester (for example, company B). Then, the company code (company A's company code “123456”) is specified in the same manner as the fund transfer data generation unit 122. Next, the fund transfer data approval processing unit 140 extracts the confirmation email address (for example, aaa@a.jp) of the wage payment support company (for example, company A (160)) having the specified company code from the payment support company DB 118. Then, it notifies that the wage transfer data has been approved, and requests approval of funds transfer data (for example, data for transferring funds from the account a1 to the dedicated account b1). The fund transfer data approval processing unit 140 presents the funds transfer data stored in the fund transfer data storage unit 134 in response to an access from a terminal device (for example, the terminal device 162) of the payment support company. FIG. 5B illustrates a screen for approving funds transfer data presented on the terminal device of company A. As shown in FIG. 5B, the fund transfer data approval processing unit 140 transmits the wage transfer data transmitted by the payment support provider, stored in the wage transfer data storage unit 132, and approved by the requester to the fund transfer data. You may present it with.

  A method for supporting wage payment according to an embodiment of the present invention will now be described with reference to FIGS. The method for supporting wage payment is a method executed by a computer constituting the wage payment support system 110 and the online banking system 130. As described above, this method can be executed by a computer by causing a processor to execute a software program.

  FIG. 3 shows a wage payment support provider (for example, company A) creates wage transfer data for transferring wages and sends it to the online banking system, and the wages are dedicated to the user's dedicated account (for example, the dedicated account of company B). The funds for transferring from b1) to the worker's account (for example, worker C's account c) are transferred from the wage payment support provider's account (for example, company A's account a1) to the client's (user's) dedicated account (for example, , Shows a flow until the money transfer data to be transferred to the dedicated account b1) is transmitted to the account system.

  In step 302, the attendance management / wage calculation device 164 calculates wages based on attendance information.

  In step 304, the attendance management / wage calculation device 164 generates wage transfer data for transferring the calculated wage from the user's dedicated account to the worker's account, and transmits it to the online banking system 130. A single file including a plurality of wage transfer data can be transmitted to the online banking system 130 as is conventionally done in the EB service. For example, ten wage transfer data for transferring wages of ten workers to each worker's account can be included in one file and transmitted.

  In step 306, the online banking system 130 extracts information for identifying the transfer source account (withdrawal account) from the transfer data, and refers to the dedicated account deposit / withdrawal condition DB 116, and the transfer data identifies the dedicated account. It is determined whether or not the information matches the information (for example, the information “head office / current / 987654” of the dedicated account b1 of the company B). When the transfer data matches the information for identifying the dedicated account, the transfer data is stored in the wage transfer data storage unit 132 as wage transfer data. In addition, the wage transfer data approval processing unit 138 transmits a wage transfer data approval request.

  In step 308, the wage transfer data approval processing unit 138 presents the wage transfer data to the requester (for example, the terminal device 172 of the company B) (FIG. 5A), and the requester transfers the wage transfer data from the terminal device. The wage transfer data approval processing unit 138 receives this result. FIG. 5 (a) shows an example of a screen for approving wage transfer data for transferring wages for one worker C. The wage transfer data for 10 workers is provided by a wage payment support provider. When sent, 10 wage transfer data will be presented.

  If the wage transfer data is denied in step 310, the process returns to step 304 to correct the wage transfer data. If the wage transfer data is approved, the process proceeds to step 312.

  In step 312, the fund transfer data generation unit 122 generates fund transfer data and transmits (provides) the funds transfer data to the online banking system.

  In step 314, the fund transfer data storage unit 134 stores the fund transfer data, and the fund transfer data approval processing unit 140 transmits an approval request for the fund transfer data.

  In step 316, the fund transfer data approval processing unit 140 presents the fund transfer data to the payment support provider (for example, the terminal device 162 of the company A) (FIG. 5B), and the payment support provider sends the funds transfer from the terminal device. The approval result of the transfer data is transmitted, and the fund transfer data approval processing unit 140 receives this.

  If the funds transfer data is rejected in step 318, the requester is notified that the funds transfer data has been rejected by the payment support provider, and the process returns to step 304 to correct the wage transfer data. If the funds transfer data is approved, the process proceeds to step 320.

  In step 320, the fund transfer / transfer instruction unit 142 transmits (provides) the fund transfer data stored in the fund transfer data storage unit 134 to the account system 150 and instructs the transfer of funds.

  FIG. 4 shows the transfer of funds to the dedicated account (payment) and the transfer of wages from the dedicated account based on the funds transfer data and the wage transfer data while controlling so that the deposit / withdrawal conditions in the dedicated account are satisfied. The flow until the withdrawal is performed will be described.

  In step 322, the billing system 150 notifies the wage payment support system 110 that an instruction for deposit (fund transfer (transfer)) addressed to a dedicated account (for example, the dedicated account b1) has been detected. This notification may be performed via the online banking system 130.

  In step 324, the dedicated account deposit / withdrawal condition determination unit 124 determines whether or not a predetermined deposit account condition is satisfied in response to the notification from the account system 150. For example, the dedicated account deposit / withdrawal condition determination unit 124 refers to the dedicated account deposit / withdrawal condition DB 116, and the deposit is from an account of a wage payment support provider (for example, the account a1 of the company A) determined in advance. Determine whether. If the deposit condition is not satisfied, the process proceeds to step 326. If the deposit condition is satisfied, the process proceeds to step 328.

  In step 326, the accounting system 150 performs error processing (for example, reorganization processing).

  In step 328, the dedicated account deposit / withdrawal condition determination unit 124 instructs (permits) funds transfer (payment) to the account system 150.

  In step 330, the billing system 150 transfers (deposits) funds to the dedicated account in response to an instruction from the dedicated account deposit / withdrawal condition determination unit 124. This transfer of funds corresponds to the transfer of funds instructed by the fund transfer / transfer instruction unit 142 to the system 150 in step 320. Further, the accounting system 150 notifies the online banking system 130, the wage payment support system 110, the client, and the wage payment support company that the funds have been transferred to the dedicated account.

  In step 332, the wage payment support system 110 instructs the online banking system 130 to perform wage transfer in response to the notification that the funds have been transferred from the account system 150 to the dedicated account.

  In step 334, the fund transfer / transfer instruction unit 142 stores the wage transfer data storage unit 132 in response to an instruction from the online banking system 130 or a notification that the funds have been transferred to the dedicated account from the account system 150. The received wage transfer data is transmitted (provided) to the accounting system 150 to instruct wage transfer.

  In step 336, the billing system 150 notifies the wage payment support system 110 that a transfer (withdrawal) instruction from the dedicated account has been detected. This notification may be performed via the online banking system 130.

  In step 338, the dedicated account deposit / withdrawal condition determination unit 124 determines whether or not the predetermined account withdrawal condition is satisfied in response to the notification from the account system 150. For example, the dedicated account deposit / withdrawal condition determination unit 124 refers to the dedicated account deposit / withdrawal condition DB 116 to determine whether the withdrawal is withdrawn by a predetermined transfer person (for example, generated by the company A). “MMM” in which the transfer person set in the transfer data is the company B, the company code is “654321” assigned to the company B, and / or the payment support company code is assigned to the company B Is determined). If the withdrawal condition is not satisfied, the process proceeds to step 326, and the billing system 150 performs error processing (for example, reorganization processing). If the withdrawal condition is satisfied, the process proceeds to step 340.

  In step 340, the dedicated account deposit / withdrawal condition determination unit 124 instructs (permits) the transfer (withdrawal) of wages from the dedicated account to the account system 150.

  In step 342, the billing system 150 executes wage transfer from the user's dedicated account to the worker's account in response to an instruction from the dedicated account deposit / withdrawal condition determination unit 124. This wage transfer corresponds to the wage transfer instructed by the fund transfer / transfer instruction unit 142 to the system 150 in step 334. Further, the accounting system 150 notifies the online banking system 130, the wage payment support system 110, the client, and the wage payment support company that the wage has been transferred from the dedicated account.

  As described above, according to the present invention, it is possible to support wage payment from the user to the worker, intervening by a wage payment support agent requested by the user. The wage payment support provider generates transfer data for transferring wages from the user's dedicated account to the worker's account, and when this is approved by the user, the wage payment support system pays the funds for transferring wages. The transfer of funds from the support provider's account to the user's dedicated account will be generated. By approving this, transfer of wages from the user's dedicated account to the worker's account will be completed. Can do. Moreover, since the deposit / withdrawal of the dedicated account is controlled according to predetermined conditions, the funds deposited into the dedicated account cannot be withdrawn for purposes other than wage transfer.

100 banks (P bank)
110 Wage payment support system 112 Input / output unit 114 Data management unit 116 Dedicated account deposit / withdrawal condition DB
118 Payment support supplier DB
120 Client company database
122 Fund transfer data generation unit 124 Dedicated account deposit / withdrawal condition determination unit 130 Online banking system 132 Wage transfer data storage unit 134 Fund transfer data storage unit 136 Approval processing unit 138 Wage transfer data approval processing unit 140 Fund transfer data approval processing unit 142 Fund Transfer / transfer instruction section 150 Account system 160 Company A (Wage payment support provider A)
162 Terminal device 164 Time management / wage calculation device 170 Company B (client B)
172 Terminal device 180 Worker C
190 Other banks (Q Bank)
195 network

Claims (7)

A system for supporting wage payments from employers to workers,
Wage transfer data for transferring the wage from the user's dedicated account to the worker's account received from the terminal device of the wage payment support provider requested by the user different from the user and the worker is stored. Wage transfer data storage means,
Wage transfer data approval processing means for requesting the user to approve the wage transfer data;
In response to the approval of the wage transfer data by the user, funds transfer data for transferring funds for transferring the wage to the worker's account from the account of the wage payment support provider to the dedicated account. Funds transfer data generating means for generating
Fund transfer data storage means for storing the fund transfer data;
Fund transfer data approval processing means for requesting the wage payment support company to approve the fund transfer data;
In response to the approval of the funds transfer data by the wage payment support provider, instructions to send the money transfer data to direct the transfer of the funds from the wage payment support provider account to the dedicated account Means,
With
In response to the transfer of the funds from the account of the wage payment support provider to the dedicated account, the instruction means transmits the wage transfer data to transfer the wage transfer data from the dedicated account to the worker's account. A system characterized by instructing the transfer of wages.   In response to the notification of detection of the instruction for depositing to the dedicated account, it is determined whether the deposit instruction satisfies a predetermined deposit condition for the dedicated account. The system of claim 1 further comprising means for authorizing the deposit.   In response to the notification of detection of withdrawal instruction from the dedicated account, it is determined whether the withdrawal instruction satisfies a predetermined withdrawal condition for the dedicated account, and when the withdrawal condition is satisfied The system according to claim 1, further comprising means for permitting the withdrawal from the dedicated account. A computer-implemented method for supporting wage payments from employers to workers,
Wage transfer data for transferring the wage from the user's dedicated account to the worker's account received from the terminal device of the wage payment support provider requested by the user different from the user and the worker is stored. To do
Requesting the user to approve the wage transfer data;
In response to the approval of the wage transfer data by the user, funds transfer data for transferring funds for transferring the wage to the worker's account from the account of the wage payment support provider to the dedicated account. Generating
Storing the funds transfer data;
Requesting the wage payment support provider to approve the funds transfer data;
In response to the approval of the funds transfer data by the wage payment support provider, the funds transfer data is transmitted to direct the transfer of the funds from the wage payment support provider account to the dedicated account. When,
In response to the transfer of the funds from the account of the wage payment support provider to the dedicated account, the wage transfer data is transmitted to instruct the transfer of the wage from the dedicated account to the worker's account. To do
A method comprising the steps of:   In response to the notification of detection of the instruction for depositing to the dedicated account, it is determined whether the deposit instruction satisfies a predetermined deposit condition for the dedicated account. The method of claim 4 further comprising authorizing the deposit.   In response to the notification of detection of withdrawal instruction from the dedicated account, it is determined whether the withdrawal instruction satisfies a predetermined withdrawal condition for the dedicated account, and when the withdrawal condition is satisfied 6. The method of claim 4 or 5, further comprising authorizing the withdrawal from the dedicated account.   A program for causing a computer comprising a processor and storage means to execute the method according to any one of claims 4 to 6.

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