JP2018055447A - Payment means switching system, method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system, a method and a program capable of switching over between transfer type advance payment service and ATM salary payment type service.SOLUTION: The system includes: an ATM dispensing unit which has an ATM withdrawal database storing identifiers and an available amount of money associated with the identifiers; and a transfer acceptance unit which has a transfer database storing identifiers and available amount of money associated with the identifiers. The available amount of money in the ATM dispensing database and the transfer database is the upper limit of the available amount of money allowed to withdraw from the ATM or allowed to make an application for transfer.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a technique for payment.

  Conventionally, there are many opportunities for companies to make payments to employees, such as paying salaries to employees or paying for expenses such as transportation expenses that employees have replaced. At this time, it is often transferred to the employee's account. For example, when a company prepays an employee's salary in response to an employee's request, a salary prepayment service that can entrust the transfer to the employee's account is provided (for example, Non-Patent Documents 1, 2, and 3). (Hereinafter referred to as “transfer-type salary prepaid service”). When an employee applies for the prepayment of the required amount on the Internet, it is transferred to the employee's account. The company only needs to upload the employee's attendance information to the system of the service provider in advance, and the amount that can be paid in advance to the employee is automatically calculated based on the attendance information. If the amount applied by the employee is within the prepaid range, the service provider requests the financial institution to make a transfer. Thereafter, the financial institution makes a transfer to the employee's account.

  In addition, using the technology of Patent Documents 1 and 2 instead of the payment-type pay-as-you-go service, companies will provide employees with cash cards dedicated to withdrawals, and employees will insert the cards into ATMs. It is also possible to withdraw directly from a company account (hereinafter referred to as “ATM withdrawal-type salary prepayment service”). The employee can withdraw cash up to the amount that can be withdrawn calculated based on the attendance information.

Japanese Patent No. 4847510 Japanese Patent No. 4913794

“Salary prepayment service“ immediate payment ””, [online], [Search September 2, 2016], Internet <URL: https://www.sakura-is.co.jp/solution/ps-000-038 .html> “Prepay”, [online], [Search September 2, 2016], Internet <URL: http://www.tominbank.co.jp/for_hojin/maekyu/> "" Quick pay "", [online], [Search September 2, 2016], Internet <URL: http://www.hayakyu-s.com/>

  Employees who have used a transfer or ATM withdrawal type prepaid service may not be able to receive the service for some reason. For example, if an employee using an ATM withdrawal die loses a cash card dedicated for withdrawal, it becomes impossible to withdraw until the card is reissued. It usually takes almost a month for the card to be reissued. Therefore, it is desirable to stop the ATM withdrawal service and temporarily receive the transfer service. The reverse is also true, and if an employee using a bank transfer type loses his / her bank card, the bank transfer service will be suspended and the ATM withdrawal service will be temporarily received. It is desirable that

  However, if the transfer mold and the ATM dispensing mold can be temporarily switched, the following problems arise. In the ATM withdrawal-type pay advance service, the bank account system for controlling the ATM needs to know the amount that can be paid in advance to the employee. On the other hand, even in a system that accepts an application for transfer from an employee, it is necessary to know the amount that can be paid in advance to the employee. However, both systems are generally operated as separate systems, and each system must manage the amount that can be paid in advance. For this reason, a mechanism is required for both systems to coordinate the amount that can be paid in advance to employees when switching services.

  The present invention has been made in view of such problems, and the object of the present invention is to provide a system, method, and method that can be used by switching between a transfer-type payroll prepaid service and an ATM withdrawal-type payroll prepaid service, and To provide a program.

  In order to achieve such an object, an aspect of the present invention provides an ATM withdrawal execution apparatus having an ATM withdrawal database storing an identifier and an available amount associated with the identifier, and the identifier and the identifier. A transfer acceptance device comprising a transfer database storing the available amount associated with the ATM, wherein the available amount in the ATM withdrawal database and the transfer database is from ATM It is the upper limit of the amount that can be withdrawn or applied for transfer, and the ATM withdrawal execution device notifies the user to stop the ATM withdrawal type service of the user associated with the identifier Update the available amount of the user in the ATM withdrawal database to zero and immediately before it is updated to zero. Means for notifying the transfer acceptance device of the amount, the transfer acceptance device validates the transfer type service of the user, and the user's available amount in the transfer database from the ATM withdrawal execution device. Means for updating to the notified amount.

  According to the present invention, an amount that can be prepaid can be linked to an employee between a transfer-type salary prepayment service and an ATM withdrawal-type salary prepayment service.

1 is an overall schematic diagram of a salary prepayment system according to an embodiment of the present invention. It is a functional block diagram of the ATM withdrawal execution device of the salary prepayment system according to one embodiment of the present invention. It is an example of the database for ATM withdrawal of the advance payment system according to an embodiment of the present invention. It is an example of the deposit / withdrawal details of the withdrawal source account of the salary prepayment system according to the embodiment of the present invention. It is a functional block diagram of the transfer reception apparatus of the salary prepayment system concerning one Embodiment of this invention. It is an example of the database for transfer of the salary prepaid system concerning one Embodiment of this invention. It is a functional block diagram of the transfer execution apparatus of the salary prepaid system concerning one Embodiment of this invention. It is a figure for demonstrating the management method of the available money amount of the salary prepayment system concerning one Embodiment of this invention. It is a sequence diagram which shows the flow of the process in the salary prepayment system concerning one Embodiment of this invention. It is a sequence diagram which shows the flow of the switching process in the salary prepayment system concerning one Embodiment of this invention.

  First, terms used in this specification will be described. In this specification, “Available amount” means the amount that can be paid in advance to an employee (that is, the employee can withdraw using an ATM card, or transfer to an account) The maximum amount of money that can be applied for. “Available amount” may be described as “Payable amount” or “Payable amount”. “Preferred usage amount” refers to an amount that an employee wants to make a prepayment (that is, an amount that the employee wants to withdraw using an ATM card or an application for transfer to an account). The “desired amount of use” may be described as “desired amount of withdrawal” or “desired amount of transfer”. The “payment execution waiting amount” is the “desired use amount (transfer desired amount)” of the transfer for which the application has been accepted. That is, the transfer data requesting to transfer the “payment execution waiting amount” is sent to the financial institution.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is an overall schematic diagram of a salary prepayment system according to an embodiment of the present invention. The schematic diagram shows an ATM withdrawal execution device 111 and a transfer execution device 112 in a financial institution system 110 of a financial institution such as a bank, a transfer acceptance device 121 and an attendance management device in a service providing company system 120 of a company that provides services. 122, ATM (automated teller machine) 130, company terminal 140, and employee terminal 150 are included. The ATM withdrawal execution device 111 is a computer that enables an employee to withdraw money using a card at the ATM 130. The transfer execution device 112 is a computer for receiving a transfer request from the service providing company system 120 and executing a transfer to an employee's account. The transfer acceptance device 121 is a computer for accepting an application for transfer from an employee and requesting a transfer from a financial institution. The attendance management device 122 is a computer for calculating an “usable amount (that is, an amount that can be paid in advance to the employee)” for each employee based on the attendance information of each employee. The ATM withdrawal execution device 111 and the transfer execution device 112 may be separate computers or a single computer. Similarly, the transfer acceptance device 121 and the attendance management device 122 may be separate computers or a single computer. Each will be described below.

  The company terminal 140 is a company personal computer or the like that pays a salary to an employee who receives a salary prepayment service according to the present invention. The person in charge of the company uses the company terminal 140 to upload information necessary for the service provider to calculate the available amount. Specifically, the company terminal 140 can transmit employee attendance information to the attendance management apparatus 122. The attendance information is data indicating employee working hours, hourly wages, and the like.

  The attendance management device 122 is a computer for calculating an “usable amount (that is, an amount that can be paid in advance to the employee)” for each employee based on the attendance information of each employee. Specifically, the attendance management apparatus 122 can receive employee attendance information from the company terminal 140. The attendance management device 122 can calculate the available amount based on the received attendance information. The attendance management device 122 can notify the employee terminal 150 of the calculated available amount. The attendance management device 122 can determine the type of service effective at that time with reference to the transfer database 506 (described later) of the transfer acceptance device 121. When the service effective at that time is “ATM withdrawal type”, the attendance management apparatus 122 can notify the ATM withdrawal execution apparatus 111 of the calculated available amount. If the service valid at that time is “transfer type”, the attendance management device 122 can notify the transfer acceptance device 121 of the calculated available amount. The ATM withdrawal execution device 111 and the transfer acceptance device 121 manage the available amount notified from the attendance management device 122.

  The upload of attendance information can be performed at an arbitrary frequency, such as once a day or once a week. Each time employee attendance information is transmitted from the company terminal 140 to the attendance management device 122, the available amount of the employee is calculated and notified to the ATM withdrawal execution device 111 or the transfer acceptance device 121. The ATM withdrawal execution apparatus 111 or the transfer acceptance apparatus 121 adds the newly notified usable amount to the existing usable amount of the employee. That is, when the available amount is calculated, the ATM withdrawal execution device 111 or the transfer accepting device 121 adds the newly calculated available amount to the existing available amount according to the service that is effective at that time. Manage.

  The ATM withdrawal execution device 111 is a computer that enables an employee to withdraw money using a card at the ATM 130. Details of the ATM withdrawal execution apparatus 111 will be described with reference to FIG.

  FIG. 2 is a functional block diagram of the ATM withdrawal execution apparatus 111 of the salary prepayment system according to the embodiment of the present invention. The ATM withdrawal execution device 111 includes a withdrawal request receiving unit 201, a determination unit 202, a withdrawal execution unit 203, a linkage unit 204, and an ATM withdrawal database 205. It is assumed that the company receives a cash card exclusively for withdrawals that can be withdrawn from the company's account from a financial institution and provides the employee with the card. Each will be described below.

  The withdrawal request receiving unit 201 can receive a request for withdrawal from the ATM 130 by an employee. Specifically, the withdrawal request receiving unit 201 can receive data indicating the desired usage amount (that is, the desired withdrawal amount) input to the ATM 130 by the employee from the ATM 130. Further, the withdrawal request receiving unit 201 can receive data (such as the card number of the card) stored in the card inserted into the ATM 130 from the ATM 130. Further, the withdrawal request receiving unit 201 receives authentication data such as a personal identification number input to the ATM 130 by the employee from the ATM 130 and stores the authentication data stored in the ATM withdrawal database 205. Can be verified. The withdrawal request receiving unit 201 displays the available amount (withdrawable amount) stored in the ATM withdrawal database 205 on the screen of the ATM 130 so that the employee can use the available amount (withdrawable amount). ).

  The determination unit 202 determines whether or not the desired usage amount (withdrawal request amount) received from the ATM 130 is less than or equal to the available amount (withdrawal amount) stored in the ATM withdrawal database 205. Can do. Specifically, the determination unit 202 can specify an available amount (withdrawable amount) associated with the card number received by the withdrawal request receiving unit 201 in the ATM withdrawal database 205. . The determination unit 202 can determine whether or not the desired usage amount (withdrawal request amount) received from the ATM 130 is equal to or less than the specified available amount (withdrawal amount).

  The cooperation unit 204 can link the available money amount between the ATM withdrawal execution device 111 and the transfer acceptance device 121. Hereinafter, when the ATM withdrawal type service is temporarily stopped (that is, when the transfer type service is started) and when the ATM withdrawal type service is started (that is, when the transfer type service is temporarily suspended). This will be explained separately.

  A case where the ATM withdrawal service is temporarily stopped will be described. The cooperation unit 204 identifies employees from terminals (not shown) in the financial institution system 110 or other terminals (employee terminals 150, terminals in the service provider company system 120, company terminals 140, etc.). Data (employee ID, employee name, etc.) and a notice to suspend the ATM withdrawal service of the employee can be received. Further, the cooperation unit 204 can update the “usable amount” of the employee who temporarily stops the ATM withdrawal type service in the ATM withdrawal database 205 to zero. Further, the cooperation unit 204 temporarily stores the data (employee ID, employee name, etc.) for identifying the employee who temporarily stops the ATM withdrawal type service, and the ATM withdrawal type service of the employee. The notice of the suspension and the available amount immediately before being updated to zero in the ATM withdrawal database 205 (that is, the latest available amount) can be transmitted to the transfer acceptance device 121.

  A case where the ATM withdrawal service is started will be described. The cooperation unit 204 identifies data (employee ID, employee name, etc.) for identifying an employee who starts an ATM withdrawal type service, and indicates that the employee's ATM withdrawal type service is started. The notification and the available amount at that time in the transfer database 506 (described later) of the transfer receiving apparatus 121 can be received from the transfer receiving apparatus 121. Also, the cooperation unit 204 updates the “usable amount” of the employee specified by the data received from the transfer acceptance device 121 to the available amount received from the transfer acceptance device 121 in the ATM withdrawal database 205. can do.

  The ATM withdrawal database 205 is a database for managing the upper limit of the amount that can be withdrawn using a card at the ATM 130.

  FIG. 3 shows an example of the ATM withdrawal database 205 of the salary prepayment system according to the embodiment of the present invention. As shown in FIG. 3, the ATM withdrawal database 205 includes data such as “card number”, “employee ID”, “employee name”, “usable amount”, “password”, “withdrawal source account”, and the like. Stored.

  The “card number” is an identifier assigned to each cash card dedicated to withdrawal. “Employee ID” and “Employee name” are the ID and name of the employee who owns the card. “Available amount” is the upper limit of the amount that the employee can withdraw at the ATM 130 using a card. The “password” is data for authenticating the card. The “withdrawal source account” is information such as a bank name, a branch name, an account number, and an account name of a company account that pays a salary to an employee who owns the card. In this way, each card is linked to an account of a company that pays salary to the employee who owns the card. Hereinafter, the relationship between the card and the withdrawal source account will be described.

  As explained above, each card is associated with a company account that pays the employee who owns the card. Therefore, when the card is inserted into the ATM 130, it is possible to withdraw from the withdrawal source account associated with the card. That is, the cash amount withdrawn from the ATM 130 is reduced from the balance of the withdrawal source account. As shown in FIG. 4, in the deposit / withdrawal details of the withdrawal source account, which card is withdrawn is recorded.

  FIG. 4 shows an example of the deposit / withdrawal details of the withdrawal source account of the salary prepayment system according to the embodiment of the present invention. In the deposit / withdrawal details of the withdrawal source account, data such as “card number”, “withdrawal amount”, “withdrawal date” and the like are stored. The “card number” is the card number of the card used in the ATM 130 for withdrawal. The “withdrawal amount” is the amount withdrawn using the card. “Payment date / time” is the date and time when the amount of cash was withdrawn from the card.

  Here, a method of managing the “usable amount” in the ATM withdrawal database 205 of FIG. 3 will be described. When the employee withdraws money using the card at the ATM 130, the amount of money withdrawn is immediately deducted from the “usable amount” in the ATM withdrawal database 205. When the ATM withdrawal service is temporarily stopped, the “usable amount” in the ATM withdrawal database 205 is updated to zero. When the ATM withdrawal service is started, the “usable amount” in the ATM withdrawal database 205 is “current use in the transfer database 506 (to be described later) of the transfer acceptance device 121”. It is updated to “Possible amount”. As described above, in the present invention, during the temporary suspension of the ATM withdrawal type service, the available amount is set to zero so that the employee cannot withdraw money. Then, when the ATM withdrawal type service is resumed, the latest available amount in the transfer type service can be taken over.

  Returning to FIG. The withdrawal execution unit 203 can withdraw cash from the ATM 130. Specifically, when the determination unit 202 determines that the desired usage amount (desired withdrawal amount) is equal to or less than the available amount (withdrawal amount), the withdrawal execution unit 203 determines the desired usage amount (desired withdrawal amount). ) Can be sent to the ATM 130 for instructing to withdraw cash. Further, the withdrawal execution unit 203 can reduce the amount of money withdrawn from the “usable amount” in the ATM withdrawal database 205. Furthermore, the withdrawal execution unit 203 can reduce the desired amount of usage (withdrawal desired amount) from the balance of the withdrawal source account linked to the card number received by the withdrawal request receiving unit 201. If the determination unit 202 determines that the desired usage amount (transfer desired amount) is higher than the available amount (transferable amount), the withdrawal execution unit 203 can transmit an error indicating that the withdrawal cannot be made to the ATM 130. .

  Return to FIG. The employee terminal 150 is a personal computer, a smartphone, or the like of an employee who receives a salary prepayment service according to the present invention. The employee uses the employee terminal 150 to apply for a transfer to the employee's account. Specifically, the employee terminal 150 can transmit transfer application information to the transfer accepting apparatus 121. The transfer application information is data indicating a desired usage amount (that is, a desired transfer amount) and data (employee ID, employee name, etc.) for identifying an employee.

  The transfer acceptance device 121 is a computer for accepting a transfer application from an employee and requesting a transfer from a financial institution. The details of the transfer acceptance device 121 will be described with reference to FIG.

  FIG. 5 is a functional block diagram of the transfer acceptance device 121 of the salary prepayment system according to the embodiment of the present invention. The transfer acceptance device 121 includes an application receiving unit 501, a determination unit 502, a transfer request creation unit 503, a transfer request transmission unit 504, a cooperation unit 505, and a transfer database 506. Each will be described below.

  The application receiving unit 501 can receive transfer application information from the employee terminal 150. As described above, the transfer application information is data indicating the desired amount of money (that is, the desired amount of money to be transferred) and data for identifying the employee (employee ID, employee name, etc.). The application receiving unit 501 displays the available amount (transferable amount) stored in the transfer database 506 on the screen of the employee terminal 150 at the time of application, so that the employee can use the available amount (transferable amount). ). The application receiving unit 501 refers to the “valid service type” in the transfer database 506, and if the employee's currently active service is “ATM withdrawal type”, the application for transfer is made. An error indicating that it has not been accepted can be transmitted to the employee terminal 150.

  The determination unit 502 may determine whether or not the desired usage amount (transfer desired amount) received from the employee terminal 150 is equal to or less than the available amount (transferable amount) stored in the transfer database 506. it can. Specifically, the determination unit 502 can identify an employee in the transfer database 506 by the employee ID or the employee name received by the application receiving unit 501. The determination unit 502 can specify the usable amount (transferable amount) of the identified employee in the transfer database 506. The determination unit 502 can determine whether or not the desired usage amount (transfer desired amount) received from the employee terminal 150 is equal to or less than the specified available amount (transferable amount). When the desired usage amount (transfer desired amount) is equal to or less than the available amount (transferable amount), the determination unit 502 stores the desired usage amount (transfer desired amount) in the transfer database 506 together with the date and time data of accepting the application. It can be stored in “Payment execution waiting amount”. Furthermore, the determination unit 502 can reduce the amount stored in the “payment execution waiting amount” from the “usable amount” in the transfer database 506 (that is, the desired transfer amount for which the application has been accepted). If the desired usage amount (transfer desired amount) is higher than the available amount (transferable amount), the determination unit 502 can transmit an error to the employee terminal 150 indicating that the transfer application has not been accepted.

  The cooperation unit 505 can link the available amount between the transfer acceptance device 121 and the ATM withdrawal execution device 111. Hereinafter, when the transfer type service is temporarily stopped (that is, when the ATM withdrawal type service is started) and when the transfer type service is started (that is, when the ATM withdrawal type service is temporarily stopped). This will be explained separately.

  A case where the transfer type service is temporarily stopped will be described. The linkage unit 505 uses the employee terminal 150 or other terminals (terminals in the service providing company system 120, company terminals 140, terminals in the financial institution system 110, etc.) to identify data (employee ID). And the name of the employee) and a notification that the transfer-type service of the employee is suspended. Further, the cooperation unit 505 can change the “effective service type” of the employee who temporarily stops the transfer-type service from “transfer type” to “ATM withdrawal type” in the transfer database 506. . Further, the cooperation unit 505 indicates that data (employee ID, employee name, etc.) for identifying an employee who temporarily stops the transfer-type service, and that the transfer-type service of the employee is temporarily stopped. The notice and the available amount at that time in the transfer database 506 can be transmitted to the ATM withdrawal execution apparatus 111.

  A case where a transfer type service is started will be described. The cooperation unit 505 includes data for identifying an employee who starts a transfer-type service (such as an employee ID and an employee name), a notification that the transfer-type service of the employee is started, and The currently available amount in the ATM withdrawal database 205 of the ATM withdrawal execution device 111 can be received from the ATM withdrawal execution device 111. Further, the cooperation unit 505 can change the “effective service type” of the employee who starts the transfer-type service from “ATM withdrawal type” to “transfer type” in the transfer database 506. Further, the cooperation unit 505 receives the “usable amount” of the employee specified by the data received from the ATM withdrawal execution device 111 within the transfer database 506, the available amount received from the ATM withdrawal execution device 111. Can be updated.

  The transfer database 506 is a database for managing the upper limit of the amount of money that can be applied for an account transfer.

  FIG. 6 shows an example of the transfer database 506 according to an embodiment of the present invention. As shown in FIG. 6, the transfer database 506 includes “valid service type”, “employee ID”, “employee name”, “available amount”, “transfer account”, “transfer account”, and “transfer execution”. Data such as “waiting amount (reception date)” is stored.

  The “valid service type” indicates the type of service (ATM withdrawal type service or transfer type service) that is valid at that time. The “employee ID” and “employee name” are the ID and name of the employee who receives the salary prepayment service according to the present invention. “Available amount” is the upper limit of the amount that the employee can apply for a transfer to the account. The “transfer account” is data indicating the bank name, branch name, account number, account name, etc. of the employee's transfer account. The “transfer account” is data indicating a bank name, a branch name, an account number, an account name, etc. of a company account that pays a salary to the employee. “Transfer execution waiting amount (acceptance date and time)” is the desired usage amount (desired transfer amount) stored together with the application acceptance date and time by the determination unit 202. The “payment execution waiting amount” can store a plurality of desired use amounts (transfer desired amounts) received by a plurality of applications.

  Here, a method of managing the “usable amount” in the transfer database 506 in FIG. 6 will be described. When the application for the transfer to the account is made, the desired transfer amount for which the application is accepted is reduced from the “available amount” in the transfer database 506. When the transfer-type service is temporarily stopped, the “usable amount” in the transfer database 506 is not updated until the transfer-type service is started. When the transfer-type service is started, the “usable amount” in the transfer database 506 is changed to “the available amount at that time in the ATM withdrawal database 205 of the ATM withdrawal execution apparatus 111”. Updated.

  Returning to FIG. The transfer request creation unit 503 can create transfer data necessary for the financial institution to perform the transfer. Specifically, the transfer request creation unit 503 can identify an employee in the transfer database 506 by the employee ID or the employee name received by the application receiving unit 501. The transfer request creation unit 503 can specify the transfer account of the specified employee in the transfer database 506. Further, the transfer request creation unit 503 can specify the transfer source account of the specified employee in the transfer database 506. Further, the transfer request creation unit 503 can specify the transfer execution waiting amount of the identified employee. The transfer request creation unit 503 can create transfer data for requesting a financial institution to transfer the specified transfer execution waiting amount from the specified transfer source account to the specified transfer destination account.

  The transfer request transmission unit 504 can transmit the transfer data created by the transfer request creation unit 503 to the transfer execution device 112 of the financial institution system 110. The transmission of the transfer data to the financial institution may be executed every time an application is received, or may be executed collectively after a predetermined period has elapsed after receiving the application. That is, the transfer request transmission unit 504 transmits the transfer data regarding the application received during a predetermined period (for example, after midnight of the previous day to 0:00 of the day) to the transfer execution device 112 of the financial institution system 110. can do. For example, the transfer data can be transmitted to the financial institution system 110 once a day at midnight.

  Returning to FIG. The transfer execution device 112 is a computer for receiving a transfer request from the service provider company system 120 and executing a transfer to an employee's account. Details of the transfer execution device 112 will be described with reference to FIG.

  FIG. 7 is a functional block diagram of the transfer execution device 112 according to an embodiment of the present invention. The transfer execution device 112 includes a transfer request reception unit 701 and a transfer execution unit 702. Each will be described below.

  The transfer request receiving unit 701 can receive transfer data from the transfer accepting apparatus 121 of the service providing company system 120. As described above, the transfer data is data instructing to transfer the amount of money to be transferred from the employee's company account to the transfer account of the employee.

  The transfer execution unit 702 can transfer “transfer execution waiting amount” from the transfer source account included in the transfer data to the transfer destination account included in the transfer data.

  FIG. 8 is a diagram for explaining a management method of the available amount of the payroll prepaid system according to the embodiment of the present invention. The “valid service type” indicates the type of service (ATM withdrawal type service or transfer type service) that is valid at that time. For example, a case where an employee uses an ATM withdrawal type service (upper row), switches to a transfer type service (middle portion), and then returns to an ATM withdrawal type service (lower row). To do. Assume that the employee's available amount is 100,000 yen at first. Thereafter, when the employee withdraws 10,000 yen from the ATM, the available amount is reduced to 90,000 yen (10,000-10,000 yen). Thereafter, when the ATM withdrawal type is switched to the transfer type, the current available amount (90,000 yen) is taken over. After that, when the employee applies to transfer 10,000 yen, the available amount is reduced to 80,000 yen (90,000-10,000 yen). Thereafter, when the transfer type is switched to the ATM withdrawal type, the current available amount (80,000 yen) is taken over. Note that the transfer may be executed immediately after the application as in transfer execution A, or may be executed after a predetermined period of time as in transfer execution B.

  FIG. 9 is a sequence diagram showing a flow of processing in the salary prepayment system according to the embodiment of the present invention. A description will be given of the available amount calculation process, the ATM withdrawal process, and the transfer process. The calculation process of the available money amount, the ATM withdrawal process, and the transfer process can be performed in the reverse order.

(Available amount calculation process)
First, the available amount calculation process will be described.
In step 911, the company terminal 140 uploads the employee's attendance information to the attendance management apparatus 122.
In step 912, the attendance management device 122 calculates the available amount of the employee based on the attendance information received in step 911.
In step 913, the attendance management device 122 notifies the available amount calculated in step 912 to the ATM withdrawal execution device 111 or the transfer acceptance device 121 according to the service effective at that time. The attendance management device 122 may notify the employee terminal 150 of the available amount calculated in step 912.
In step 914, the ATM withdrawal execution apparatus 111 or the transfer acceptance apparatus 121 determines the available amount notified in step 913 as “available amount” in the ATM withdrawal database 205 or “ Add to "Available amount".

(ATM withdrawal process)
Next, the ATM withdrawal process will be described.
In step 921, the ATM 130 requests the ATM withdrawal execution apparatus 111 to withdraw cash.
In step 922, the ATM withdrawal execution device 111 associates the desired usage amount (that is, the withdrawal desired amount) input to the ATM 130 in step 921 with the card number of the card inserted in the ATM 130 in step 921. It is determined whether or not the amount is less than the available amount (that is, the amount that can be withdrawn).
If it is determined in step 923 that the desired usage amount is equal to or less than the available amount, the ATM withdrawal execution device 111 sends the cash to the ATM 130 so as to withdraw cash corresponding to the desired usage amount (desired withdrawal amount) requested in step 921. Instruct.
In step 924, the ATM withdrawal execution apparatus 111 reduces the amount of money withdrawn in step 923 from the “Available amount” in the ATM withdrawal database 205.

(Transfer processing)
Next, the transfer process will be described.
In step 931, the employee terminal 150 applies for a transfer to the employee's account to the transfer acceptance apparatus 121.
In step 932, the transfer acceptance device 121 determines that the desired use amount received in step 931 (that is, the desired transfer amount) is the amount of money that can be used by the employee identified by the employee ID or employee name received in step 931. It is determined whether or not (that is, the transferable amount) or less. If the desired usage amount is less than or equal to the available amount, the transfer acceptance device 121 accepts an application for a transfer.
In step 933, the transfer accepting apparatus 121 deducts the desired transfer amount for which the application was accepted in step 932 from “available amount” in the transfer database 506.
In step 934, the transfer acceptance device 121 transmits the transfer data regarding the application accepted in step 932 to the transfer execution device 112.
In step 935, the transfer execution device 112 transfers “payment execution waiting amount” from the transfer source account included in the transfer data received in step 934 to the transfer destination account included in the transfer data received in step 934.

  The service providing company system 120 may display data on withdrawal history at the ATM 130 and history of transfer to the account on the employee terminal 150. In addition, the service providing company system 120 may notify the employee terminal 150 that the ATM payment type has been switched to the transfer type or that the transfer type has been changed to the ATM payment type. .

  FIG. 10 is a sequence diagram showing the flow of the switching process in the salary prepayment system according to the embodiment of the present invention.

The switching from the ATM dispensing die to the transfer die will be described.
In step 1001, the ATM withdrawal execution device 111 determines switching from the ATM withdrawal type to the transfer type by a notification from a terminal or the like in the financial institution system 110.
In step 1002, the ATM withdrawal execution apparatus 111 changes the “usable amount” of the employee who performs the switching determined in step 1001 to zero in the ATM withdrawal database 205.
In step 1003, the ATM withdrawal execution device 111 uses data immediately before being changed to zero in the ATM withdrawal database 205, data for identifying the employee to be switched, notification of switching, and the ATM withdrawal database 205. The possible amount is transmitted to the transfer acceptance device 121.
In step 1004, the transfer accepting apparatus 121 changes the “valid service type” of the employee notified in step 1003 to “transfer type” in the transfer database 506.
In step 1005, the transfer accepting apparatus 121 sets the “usable amount” in the transfer database 506 to “the available amount immediately before being changed to zero in the ATM withdrawal database 205” received in step 1003. Update to

The switching from the transfer type to the ATM withdrawal type will be described.
In step 1011, the transfer accepting apparatus 121 determines switching from the transfer type to the ATM withdrawal type based on a notification from the employee terminal 150 or the like.
In step 1012, the transfer acceptance apparatus 121 changes the “valid service type” of the employee who performs the switching determined in step 1011 to “ATM withdrawal type” in the transfer database 506.
In step 1013, the transfer accepting apparatus 121 uses the ATM withdrawal data to identify the employee to be switched, the notification to the effect of switching, and the available amount at that time in the transfer database 506. Transmit to the execution device 111.
In step 1014, the ATM withdrawal execution apparatus 111 sets the “usable amount” in the ATM withdrawal database 205 to “the currently available amount in the transfer database 506” received in step 1013. Update.

  In this specification, the example of the advance payment of the salary from the company to the employee has been described. However, the present invention is not limited to the advance payment of the salary, and is applicable to any payment such as the settlement of expenses such as transportation expenses that the employee has repaid. it can. Further, the present invention is not limited to payment from a company to an employee, and can be applied to payment from any person to any person. In addition, with regard to the ATM withdrawal type, it is possible to enable ATM transactions using information or biometric information stored in a terminal such as a smartphone instead of a cash card.

  As described above, in the present invention, it is possible to switch between the transfer type salary prepaid service and the ATM withdrawal type salary prepaid service. Furthermore, in the present invention, the bank accounting system for controlling the ATM only needs to withdraw according to the available amount.

  The embodiment of the present invention has been described so far. However, the above embodiment is merely an example, and the present invention is not limited to the above-described embodiment, and may be implemented in various forms within the scope of the technical idea. Needless to say, it is good. In addition, the scope of the present invention is not limited to the illustrated and described exemplary embodiments, and includes all embodiments that provide the same effects as those intended by the present invention. Further, the scope of the invention is not limited to the combinations of features of the invention defined by the claims, but may be defined by any desired combination of particular features among all the disclosed features. .

DESCRIPTION OF SYMBOLS 110 Financial institution system 111 ATM withdrawal execution apparatus 112 Transfer execution apparatus 120 Service provider company system 121 Transfer acceptance apparatus 122 Attendance management apparatus 130 ATM
140 Corporate Terminal 150 Employee Terminal 201 Withdrawal Request Receiving Unit 202 Determination Unit 203 Withdrawal Execution Unit 204 Cooperation Unit 205 ATM Withdrawal Database 401 Withdrawal Details of Payment Source Account 501 Application Receiving Unit 502 Determination Unit 503 Transfer Request Creation 504 Transfer request transmission unit 505 Cooperation unit 506 Transfer database 701 Transfer request reception unit 702 Transfer execution unit

Claims (7)

An ATM withdrawal execution apparatus having an ATM withdrawal database storing an identifier and an available amount associated with the identifier;
A transfer acceptance device comprising a transfer database storing the identifier and the available money amount associated with the identifier, wherein the ATM withdrawal database and the available in the transfer database The amount is the upper limit of the amount that can be withdrawn from an ATM or applied for transfer,
The ATM withdrawal execution device
When notified to stop the user's ATM withdrawal service associated with the identifier, the user's available amount in the ATM withdrawal database is updated to zero and immediately before being updated to zero. Means for notifying the transfer acceptance device of the amount of money,
The transfer acceptance device
The system comprising: a means for validating the user's transfer-type service and updating the user's available amount in the transfer database to the amount notified from the ATM withdrawal execution device. An ATM withdrawal execution apparatus having an ATM withdrawal database storing an identifier and an available amount associated with the identifier;
A transfer acceptance device comprising a transfer database storing the identifier and the available money amount associated with the identifier, wherein the ATM withdrawal database and the available in the transfer database The amount is the upper limit of the amount that can be withdrawn from an ATM or applied for transfer,
The transfer acceptance device
When notified to stop the user's transfer-type service associated with the identifier, the user's transfer-type service is invalidated, and the user's current available amount in the transfer database is set to the ATM. Means for notifying the withdrawal execution device,
The ATM withdrawal execution device
The system characterized by comprising means for updating the user's available amount in the ATM withdrawal database from zero to the amount notified from the transfer acceptance device.   The available amount in the ATM withdrawal database is reduced by the amount withdrawn from the ATM, and the available amount in the transfer database is only the amount applied for the transfer. 3. System according to claim 1 or 2, characterized in that it is deducted.   The transfer acceptance device accepts a transfer application and uses the transfer in the transfer database when the desired transfer amount received from the user terminal is equal to or less than the available amount associated with the identifier received from the user terminal. The system according to any one of claims 1 to 3, further comprising means for reducing a possible amount by the amount desired to be transferred. An ATM withdrawal execution apparatus having an ATM withdrawal database storing an identifier and an available amount associated with the identifier;
A transfer acceptance apparatus comprising a transfer database storing the identifier and the available amount associated with the identifier, the ATM withdrawal database and the use in the transfer database The possible amount is the maximum amount of money that can be withdrawn from an ATM or applied for transfer,
When the ATM withdrawal execution device is notified to stop the user's ATM withdrawal type service associated with the identifier, the user's available amount in the ATM withdrawal database is updated to zero. Notifying the transfer acceptance device of the amount immediately before being updated to zero;
The transfer acceptance device includes the step of enabling the transfer-type service of the user and updating the available amount of the user in the transfer database to the amount notified from the ATM withdrawal execution device. Feature method. An ATM withdrawal execution apparatus having an ATM withdrawal database storing an identifier and an available amount associated with the identifier;
A transfer acceptance apparatus comprising a transfer database storing the identifier and the available amount associated with the identifier, the ATM withdrawal database and the use in the transfer database The possible amount is the maximum amount of money that can be withdrawn from an ATM or applied for transfer,
When the transfer acceptance device is notified to stop the transfer-type service of the user associated with the identifier, the transfer-type service of the user is invalidated and the user in the transfer database at that time Notifying the ATM withdrawal execution device of an available amount;
The ATM withdrawal execution device updates the user's available amount in the ATM withdrawal database from zero to the amount notified from the transfer acceptance device.   The program for making a computer perform the method of Claim 5 or 6.

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