JP2021043873A - Financial base system, information processing device, information processing method, and program - Google Patents

Abstract

To provide a financial base system capable of disposing base money that can be paid to conventional type electronic money in a consumption activity, an information processing device, an information processing method, and a program.SOLUTION: A financial base system includes a base money issuing part for issuing base money that can be paid to a conventional type electronic money settable as a consideration to merchandise or a service, a payment information acquisition part for acquiring payment information including information on an amount of payment and a payment destination, a payment processing part for paying the base money corresponding to the amount of payment to a predetermined account of the base money in the payment destination, a distribution information acquisition part for acquiring distribution information including information on a distribution amount and a distribution destination, a distribution processing part for paying the conventional type electronic money corresponding to the distribution amount to the predetermined account of the conventional type electronic money shown as the distribution destination, and an output part for outputting notification information for notifying the payment destination of a processing result by the distribution processing part.SELECTED DRAWING: Figure 16

Description

The present invention relates to a financial infrastructure system, an information processing device, an information processing method, and a program.

In recent years, a large number of conventional electronic money (hereinafter referred to as conventional electronic money) that can be settled as consideration for consumption activities such as goods or services have become widespread. With conventional electronic money, payments that do not require cash (cashless payments) are easy. Some conventional electronic money has point benefits according to the amount used. It has the advantage of being able to deposit (auto-charge) money (see, for example, Patent Document 1), and is rapidly expanding. Therefore, it is considered that the situation in which new conventional electronic money is issued will not change in the future.

Japanese Unexamined Patent Publication No. 2016-110321

However, conventional electronic money is not compatible with each other. For this reason, there is a limitation that it can be used only at stores and websites that support payment of each conventional electronic money. In addition, the current situation is that each of the conventional electronic money supports only extremely narrow charge routes that are different from each other, and it cannot be said that the usability is always good.

In order to support all conventional electronic money payments, it is conceivable to always have cash as a standby fund, such as 20,000 yen in a wallet. However, carrying cash to use conventional electronic money contradicts the original convenience of not requiring cash for conventional electronic money. It is more convenient for conventional electronic money to intervene as a base currency (hereinafter referred to as base money) so that all conventional electronic money can be deposited (charged) as such standby funds. It is possible to further improve and reduce social costs.

The present invention has been made in view of such a situation, and is a financial infrastructure system, an information processing device, an information processing method, which can intervene basic money that can be deposited into conventional electronic money in consumption activities. And provide programs.

In order to solve the above-mentioned problems of the present invention, the present invention is a basic money for issuing basic money that can be deposited into conventional electronic money that can be settled as consideration for goods or services based on the funds of the payment source. The issuing unit, the payment information acquisition unit that acquires payment information including information on the payment amount and the payee, which is payment information related to the payment by the payment source, and the basic money corresponding to the payment amount are paid. A payment processing unit that deposits money into a predetermined account of the basic money, and a distribution information that is related to the distribution of the basic money and that acquires the distribution amount and the distribution information including the information about the distribution destination. Based on the distribution information acquisition unit and the basic money deposited to the payee, the conventional electronic money according to the distribution amount is placed in a predetermined account of the conventional electronic money indicated as the distribution destination. It is a financial infrastructure system including a distribution processing unit for depositing money and an output unit for outputting notification information for notifying the payee of the processing result by the distribution processing unit.

According to the present invention, basic money that can be deposited into conventional electronic money can be intervened in consumption activities.

The outline of the financial infrastructure system 1 which concerns on embodiment is shown. It is a block diagram which shows the example of the structure of the financial infrastructure system 1 which concerns on embodiment. It is a sequence diagram which shows the flow of the process performed by the financial infrastructure system 1 which concerns on embodiment. It is a figure which shows the example of the data structure of the employee information which concerns on embodiment. It is a figure which shows the example of the data structure of attendance information which concerns on embodiment. It is a figure which shows the example of the data structure of the salary information which concerns on embodiment. It is a figure which shows the example of the data structure of the payment information which concerns on embodiment. It is a figure which shows the example of the data structure of the distribution information which concerns on embodiment. It is a figure which shows the example of the data structure of the proposal information which concerns on embodiment. It is a figure which shows the example of the data structure of the alert information which concerns on embodiment. It is a figure which shows the example of the data structure of the cooperation information which concerns on embodiment. It is a figure which shows the example of the data structure of the notification information which concerns on embodiment. It is a figure which shows the example of the structure of the computer system 100 which concerns on embodiment. It is a figure which shows the example of the structure of the attendance server 10 which concerns on embodiment. It is a figure which shows the example of the structure of the payroll server 20 which concerns on embodiment. It is a figure which shows the example of the configuration of the management server 30 which concerns on embodiment. It is a figure which shows the example of the structure of the electronic money management server 40 which concerns on embodiment. It is a figure which shows the example of the structure of the bank server 50 which concerns on embodiment. It is a figure which shows the example of the structure of the securities company server 60 which concerns on embodiment. It is a figure which shows the example of the structure of the household account book server 70 which concerns on embodiment. It is a figure which shows the example of the structure of the employee terminal 80 which concerns on embodiment.

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

[Background of financial infrastructure system 1]
The background of the financial infrastructure system 1 in the present invention will be described.

Currently, wages are paid in currency in principle, with the exception that only transfers to deposits and savings of financial institutions such as banks and transfers to securities accounts that meet certain requirements are permitted. For this reason, the current Japanese law does not allow employees to pay their salaries with electronic money.

However, in the United States, "payroll cards," which are payroll cards, are widespread. In Japan as well, wage payments to payroll card accounts are due to the growing number of cashless payments and the impact on the economic activities of foreign workers who generally find it difficult to open a bank account in Japan. One of the issues is the revision of the law that makes it possible.

The financial infrastructure system 1 is a system prepared for such a revision of the law, and is a system for paying employee salaries with basic money. In the following description, a case where the basic money is electronic money will be described as an example. However, the basic money may be at least the currency (money) that is the source of deposit (charge) of the conventional electronic money, and is not limited to the electronic money. The base money may be cash, virtual currency, or other new currencies that will occur in the future.

Further, in the following description, electronic money treated as basic money is referred to as basic electronic money. Basic electronic money is an example of "basic money". The basic electronic money here is electronic money for purposes that are not used in principle as consideration for consumption activities, and is electronic money that is the source of deposit (charge) for all conventional electronic money. In addition, the basic electronic money can be used for depositing money into financial accounts such as bank accounts and securities accounts, and for payment by credit card. It can also be used to purchase various gift certificates. In this way, the intervention of basic electronic money in consumption activities makes it convenient for users to secure cashless means. On the other hand, it will be convenient for companies that handle conventional electronic money because new charge sources will increase.
The above is the explanation of the background of the financial infrastructure system 1.

[Overview of Financial Infrastructure System 1]
The outline of the financial infrastructure system 1 will be described.
The financial infrastructure system 1 is a system for paying employee salaries with basic electronic money.
In the financial infrastructure system 1, the employee can decide in advance how to distribute the basic electronic money. Basic electronic money is distributed to bank accounts, securities accounts, credit cards, and conventional electronic money according to the distribution of distribution preset by employees.

The "salary payment service" provided by the financial infrastructure system 1 will be described.
FIG. 1 is a diagram showing an outline of the financial infrastructure system 1 according to the present embodiment.
In the financial infrastructure system 1, the management server 30 and the employee terminal 80 have an application program of the "salary payment service" (hereinafter referred to as a salary payment application) installed, and an account of the salary payment application is created. As a result, it becomes possible to pay and receive basic electronic money, and it becomes possible to receive a "salary payment service".

The attendance server 10 manages the attendance of employees.
The salary server 20 calculates the salary of the employee, calculates the salary based on the attendance of the employee in cooperation with the attendance server 10, and notifies the management server 30 of the payment information. Payment information includes information about the paying source, the payment amount, and the employee to whom the payment is made.

The management server 30 pays the salary. The management server 30 deposits the basic electronic money according to the payment amount of the salary into the employee's basic electronic money account created by the employee terminal 80 based on the payment information acquired from the salary server 20.

In addition, the management server 30 performs distribution processing of the basic electronic money deposited in the account. In the distribution process, the basic electronic money corresponding to the payment amount is deposited (charged) into the conventional electronic money account managed by the electronic money management server 40, deposited (transferred) into the bank account managed by the bank server 50, and so on. This is a process of purchasing securities into a securities account managed by a securities company server 60.

At present, in order to purchase securities, it is necessary to deposit funds into a bank account designated by the securities company, and when purchasing securities, it is necessary to withdraw the funds to the securities company through the bank account. However, the procedure for purchasing securities with the basic electronic money may be determined according to the cooperation between the basic electronic money and the securities company. Here, it is assumed that securities can be purchased by designating the brand of securities to be purchased and depositing the basic electronic money into the securities account.

The household account book server 70 manages the employee's household account book. The household account book server 70 cooperates with the management server 30 and receives income information such as employee income (salary payment amount) from the management server 30. The household account book server 70 reflects the received income information in the employee's household account book.

The employee terminal 80 receives payment of the employee's salary. The employee terminal 80 sets the distribution information via the salary payment application. The distribution information is information on the distribution destination of the salary paid by the basic electronic money. The distribution information set by the employee terminal 80 is notified to the management server 30 via the salary payment application.

Further, the employee terminal 80 is notified of the notification information from the management server 30. The notification information is information for notifying the processing result of performing the distribution processing. The employee terminal 80 displays the notification information. In this example, as notification information, as salary payment, the ratio (percentage) allocated to each of payment to electronic money, cash transfer, and securities purchase is notified.
The above is an explanation of the outline of the financial infrastructure system 1.

[Structure of financial infrastructure system 1]
Next, the configuration of the financial infrastructure system 1 will be described.
FIG. 2 is a block diagram showing an example of the configuration of the financial infrastructure system 1.
The financial infrastructure system 1 includes, for example, an attendance server 10, a payroll server 20, a management server 30, an electronic money management server 40, a bank server 50, a securities company server 60, a household account book server 70, and an employee terminal. Equipped with 80.

These components of the financial infrastructure system 1 can be connected to a wireless or wired communication network NW and communicate with each other. In addition, each of these components of the financial infrastructure system 1 may be plural. For example, the financial infrastructure system 1 may include a plurality of attendance servers 10 and the like.

The attendance server 10 is an electronic device including a computer system 100 (see FIG. 13). For example, the attendance server 10 may be a personal computer, a tablet terminal, a server device, a cloud device, or the like. The attendance server 10 stores and manages the employee's commuting time, leaving time, flex, paid leave, and the like.

The payroll server 20 is an electronic device including a computer system 100. For example, the payroll server 20 is a cloud device, a server device, a personal computer, or the like. The salary server 20 calculates the employee's salary based on the attendance information of the employee. The salary server 20 outputs salary payment information to the management server 30 as a calculation result.

The management server 30 is an electronic device including a computer system 100. For example, the management server 30 is a cloud device, a server device, a personal computer, or the like. The management server 30 issues basic electronic money corresponding to the payment amount based on the funds of the company that is the payment source. The management server 30 deposits the basic electronic money corresponding to the payment amount corresponding to the salary into the employee's basic electronic money account based on the salary payment information calculated by the salary server 20. The management server 30 distributes the deposited basic electronic money to the conventional electronic money or the like based on the distribution information. The management server 30 notifies the employee terminal 80 of the processing result of the distribution processing.

The electronic money management server 40 is an electronic device including a computer system 100. For example, the electronic money management server 40 is a cloud device, a server device, a personal computer, or the like. The electronic money management server 40 manages a conventional electronic money account (account). The electronic money management server 40 deposits (charges) the basic electronic money corresponding to the distribution amount withdrawn from the management server 30 into a predetermined account of the conventional electronic money.

The bank server 50 is an electronic device including a computer system 100. For example, the bank server 50 is a cloud device, a server device, a personal computer, or the like. The bank server 50 manages a bank account. The bank server 50 deposits the basic electronic money corresponding to the distribution amount withdrawn from the management server 30 into a predetermined bank account.

The securities company server 60 is an electronic device including a computer system 100. For example, the securities company server 60 is a cloud device, a server device, a personal computer, or the like. The securities company server 60 manages a securities account. The securities company server 60 purchases securities by depositing the basic electronic money corresponding to the distribution amount withdrawn from the management server 30 into the securities account.

The household account book server 70 is an electronic device including a computer system 100. For example, the household account book server 70 is a cloud device, a server device, a personal computer, or the like. The household account book server 70 manages the employee's household account book. The household account book server 70 reflects the salary amount of the employee notified from the management server 30 in the income of the household account book.

The employee terminal 80 is an electronic device including a computer system 100. For example, the employee terminal 80 may be a smartphone, a personal computer, a mobile phone, a PHS (Personal Handyphone System) terminal, a wearable terminal, or the like. The employee terminal 80 distributes the basic electronic money as salary, notifies the distribution result from the management server 30, and displays the notified content. The employee terminal 80 sets the distribution information via the salary payment application.
The above is the description of the configuration of the financial infrastructure system 1.

[Operation of financial infrastructure system 1]
Next, the operation of the financial infrastructure system 1 will be described.
FIG. 3 is a sequence diagram showing a flow of processing performed by the financial infrastructure system 1.

(Step S10)
The employee terminal 80 sets the distribution destination and the distribution ratio (an example of the “distribution amount”), and notifies the management server 30 of the distribution information including the set distribution destination and the distribution ratio.

(Step S11)
The management server 30 is notified from the employee terminal 80 and stores the distribution information.
(Step S12)
On the other hand, the attendance server 10 determines the attendance based on the stamp information, the attendance application, and the like. The stamping information is information indicating the time stamped by the employee on a time clock or the like. The attendance application is an application for correction of attendance, etc., which is made when an attendance error such as an employee's imprint omission occurs. The attendance server 10 outputs attendance information indicating the confirmed attendance to the payroll server 20.
(Step S13)
The salary server 20 calculates the salary of the employee based on the attendance information. The salary server 20 outputs the calculated salary to the management server 30 as payment information to be paid to the employee.

(Step S14)
The management server 30 acquires payment information and issues basic electronic money corresponding to the payment amount based on the acquired payment information. Specifically, the management server 30 converts the funds of the company that is the payment source into the basic electronic money corresponding to the payment amount of the teaching data.
(Step S15)
The management server 30 deposits the issued basic electronic money into the employee's basic electronic money account.
(Step S16)
The management server 30 acquires the distribution information. The distribution information is information notified from the employee terminal 80 in step S10 and stored in step S11.
(Step S17)
The management server 30 executes the distribution process based on the acquired distribution information. For example, the management server 30 deposits the conventional electronic money corresponding to the distribution amount shown in the distribution information into the conventional electronic money which is the distribution destination indicated in the distribution information. For example, the management server 30 deposits funds in an amount corresponding to the distribution amount indicated in the distribution information into the bank account which is the distribution destination indicated in the distribution information. For example, the management server 30 purchases securities corresponding to the distribution amount indicated in the distribution information in the securities account which is the distribution destination indicated in the distribution information.
(Step S18)
The management server 30 notifies the employee terminal 80 of the processing result of the distribution processing. Specifically, the management server 30 notifies the employee terminal 80 of the notification information.
(Step S19)
The employee terminal 80 acquires the notification information and displays the acquired notification information.
(Step S20)
On the other hand, the management server 30 notifies the household account book server 70 of income information indicating the amount of payment paid to the employee (the amount of income of the employee).
(Step S21)
The household account book server 70 reflects the income amount of the employee in the employee's household account book.
The above is the description of the operation of the financial infrastructure system 1.

[Data structure]
Next, the configuration of various data used by the financial infrastructure system 1 for processing will be described.
First, employee information will be described. Employee information is data that describes information about employees who receive salary payments.
FIG. 4 is a diagram showing an example of a data structure of employee information. Employee information is described as data in which an employee ID (Identifier) of an employee is associated with information indicating attributes such as a name and a function. Employee information is created for each employee.
Information for uniquely identifying an employee is described in the employee ID.
The name of the employee is described in the name. Information indicating the employee's function is described in the function. Job function is considered, for example, in managing paid leave and calculating salary.

Next, attendance information will be described. Attendance information is data that describes the attendance history of employees.
FIG. 5 is a diagram showing an example of a data structure of attendance information. The attendance information is described as data in which the attendance history of the employee is associated with the employee's ID. Attendance information is created for each employee.
Information for uniquely identifying an employee is described in the employee ID.
Attendance describes information necessary for managing employee attendance, such as date, time of arrival, and time of leaving work. Attendance is created each time attendance, for example, on a daily basis, and is described in chronological order such as attendance 1, attendance 2, and so on.

Next, salary information will be described. The salary information is data that describes information indicating the amount of salary paid to the employee.
FIG. 6 is a diagram showing an example of a data structure of salary information. The salary information is described as data in which the employee ID is associated with information indicating the salary paid to the employee.
Information for uniquely identifying an employee is described in the employee ID.
The salary contains information that details the salary paid to the employee, such as date, attendance, payment amount, and deduction amount. Attendance is created for each payment of salary, for example, on a monthly basis (in the case of monthly salary), and is described in chronological order such as salary 1, salary 2, and so on.

Next, payment information will be described. Payment information is data that describes information about salary payments from a company to an employee.
FIG. 7 is a diagram showing an example of a data structure of payment information. The payment information is described as data in which the employee ID is associated with the information related to the payment to the employee. Payment information is created for each employee.
Information for uniquely identifying an employee is described in the employee ID.
Information about the account of the company that is the payment source is described in the payment source. This example shows an example in which a bank account (financial institution name, account number, etc.) is set as a corporate account, but the present invention is not limited to this. The payment source may be an account of the basic electronic money of the company.
Information indicating the amount of salary to be paid is described in the payment amount.
Information about the account of the employee who is the payee is described in the payee. This example shows an example in which one basic electronic money account is set as an employee's account, but the present invention is not limited to this. A plurality of accounts such as a basic electronic money account and a bank account may be set as payment destinations. Due to the revision of the law, even if the payroll card is approved, there is a possibility that payment with basic electronic money up to a certain ratio may be permitted instead of the full amount of salary. In such a case, the conventional deposit (transfer) to the bank account and the deposit to the basic electronic money account will be used together.
Note that FIG. 7 shows an example in which the account number is described as the basic electronic money account, but the present invention is not limited to this. The basic electronic money account may be a name, a symbol, or the like as long as it can identify the account.

Next, the distribution information will be described. The distribution information is data that describes information on the distribution of basic electronic money paid to employees as salary.
FIG. 8 is a diagram showing an example of a data structure of distribution information. The distribution information is described as data in which the employee ID is associated with the information related to the distribution of the employee's salary (basic electronic money). Distribution information is created for each employee.
Information for uniquely identifying an employee is described in the employee ID.
In the distribution, information on the distribution ratio or distribution amount, usage, and distribution destination is described.
In the distribution ratio or distribution amount, the distribution ratio or the amount to be distributed is described.
In the usage, the usage of the funds according to the amount to be distributed to the distribution destination is described.
Information about the account of the employee who is the distribution destination is described in the distribution destination.
A plurality of distributions may be set, such as distribution 1, distribution 2, and so on.

Next, the proposal information will be described. Proposal information is data that describes information about proposals for payments or distributions to employees.
FIG. 9 is a diagram showing an example of the data structure of the proposed information. The proposal information is described as data in which information related to the proposal is associated with the employee ID. Proposal information is created for each employee.
Information for uniquely identifying an employee is described in the employee ID.
The proposal describes information about the content of the proposal. Here, a distribution proposal is set in Proposal 1. The distribution proposal is a proposal regarding distribution, and for example, a proposal for a distribution destination, a distribution ratio, or a distribution amount is made based on the actual amount of money used at the distribution destination.
A plurality of proposals may be set, such as proposal 1, proposal 2, ....

Next, the alert information will be described. The alert information is data that describes information regarding an alert (warning) regarding payment or distribution to an employee.
FIG. 10 is a diagram showing an example of a data structure of alert information. The alert information is described as data in which the employee ID is associated with the information related to the alert. Alert information is created for each employee.
Information for uniquely identifying an employee is described in the employee ID.
The alert describes information about the content of the alert. Here, the cash distribution ratio has not been reached in Alert 1. The cash distribution ratio is, for example, the lower limit of the ratio of paying in cash when the ratio of paying salary to cash (bank transfer) is stipulated by law.
A plurality of alerts may be set, such as alert 1, alert 2, and so on.

Next, the cooperation information will be described. The cooperation information is data that describes information about a service or the like that links information about payment to employees or distribution.
FIG. 11 is a diagram showing an example of a data structure of cooperation information. The cooperation information is described as data in which the employee ID is associated with the information related to the cooperation. Collaboration information is created for each employee.
Information for uniquely identifying an employee is described in the employee ID.
Information about cooperation is described in cooperation. In this example, it is set to cooperate with an application (hereinafter referred to as a household account book application) that provides a household account book creation service. When linking with the household account book application, for example, the amount paid to the employee is recorded in the household account book as income, and the distribution amount is recorded in the household account book as the scheduled expenditure.
A plurality of linkages may be set such as linkage 1, linkage 2, ....

Next, the notification information will be described. The notification information is data that describes information regarding notification of the processing result regarding payment to the employee or distribution.
FIG. 12 is a diagram showing an example of a data structure of notification information. The notification information is described as data in which the employee ID is associated with the information related to the notification to the employee. Output destination information is created for each registered user.
Information for uniquely identifying the registered user is described in the registered user ID.
Information about the notification, such as the content of the notification and the notification destination, is described in the notification. In this example, the processing result of the distribution process is used as the notification content, the distribution result of the distribution destination 1 (for example, a conventional electronic money account), the distribution result of the distribution destination 2 (for example, a bank account), ... Are set to be notified in order.
A plurality of notifications may be set, such as notification 1, notification 2, and so on.
The above is the description of the data structure.

[Configuration of computer system 100]
Next, the configuration of the computer system 100 of each device included in the financial infrastructure system 1 will be described.
FIG. 9 is a block diagram showing the configuration of the computer system 100.
The computer system 100 includes a communication unit 101, an input unit 102, an output unit 103, a storage unit 104, and a CPU (Central Processing Unit) 105. These components are communicably connected to each other via bus B.

The communication unit 101 is a communication module such as a communication IC (Integrated Circuit).
The input unit 102 is for input including, for example, a pointing device such as a mouse and a touch pad, a keyboard, a microphone, a camera, and various other sensors (for example, an acceleration sensor, a gyro sensor, a GPS (Global Positioning System) sensor, and a proximity sensor). It is a module. The input unit 102 may be integrally configured with the display as a touch panel.
The output unit 103 is an output module for a display panel, a speaker, a woofer, or the like.

The storage unit 104 includes, for example, an HDD (Hard Disk Drive), an SSD (Solid State Drive), an EEPROM (Electrically Erasable Programmable Read-Only Memory), a ROM (Read-Ony Memory), a ROM (Read-Onry Memory), and a ROM (Read-Only Memory) Memory Memory Memory Module for. The storage unit 104 is not limited to the built-in one, and may be an external storage module connected by a digital input / output port or the like such as USB (Universal Serial Bus).
The CPU 105 executes various programs stored in the storage unit 104 and controls each configuration included in the computer system 100.
The above is the description of the configuration of the computer system 100.

[Configuration of attendance server 10]
Next, the configuration of the attendance server 10 will be described.
FIG. 14 is a block diagram showing the configuration of the attendance server 10.
The attendance server 10 includes a communication unit 11, a storage unit 12, and a control unit 13.

The communication unit 11 communicates with another device connected to the communication network NW such as the payroll server 20.
The storage unit 12 stores variables, various data, programs, and the like necessary for realizing the functions of the attendance server 10. The storage unit 12 stores the employee information 120 and the attendance information 121.
The employee information 120 is information including all or a part of the above-mentioned employee information.
The attendance information 121 is information including all or a part of the above-mentioned attendance information.

The control unit 13 controls each configuration of the attendance server 10. The control unit 13 is realized, for example, by the CPU of the attendance server 10 executing a program stored in advance in the storage unit 12. Further, the control unit 13 may be realized as an integrated circuit such as an ASIC (Application Specific Integrated Circuit). The control unit 13 includes a stamp information acquisition unit 130, an attendance error determination unit 131, an attendance application acquisition unit 132, and an attendance processing unit 133.

The stamping information acquisition unit 130 acquires information on the content stamped on the time recorder or the like by the employee via the communication unit 11. The stamped content includes, for example, the requested stamped employee, the stamped type (whether attendance, leaving, or break), the stamped time, and the like. The stamping information acquisition unit 130 outputs the acquired image country information to the attendance error determination unit 131 and the attendance processing unit 133.

The attendance error determination unit 131 determines the presence or absence of an attendance error based on the stamp information. The attendance error is an abnormality in the stamping content, for example, a stamping error or an abnormality in the stamping time. If there is an attendance error, the attendance error determination unit 131 outputs the content to the attendance processing unit 133.

The attendance application acquisition unit 132 acquires the attendance application via the communication unit 11. The attendance application is information indicating the contents of the application regarding attendance applied by the employee, and is, for example, an application for correction of a stamping error, a direct bounce, paid leave, and the like. The attendance application acquisition unit 132 outputs the acquired attendance application to the attendance processing unit 133.

The attendance processing unit 133 performs attendance processing based on the employee information 120, the stamp information, and the attendance application. The attendance process is a process related to the attendance of employees, and is a process of calculating the working hours and overtime hours, totaling the number of days of paid leave taken, and managing the attendance of employees. The attendance processing unit 133 stores the processing result of the attendance processing as the attendance information 121 of the storage unit 12 and notifies the payroll server 20 via the communication unit 11.
The above is the description of the configuration of the attendance server 10.

[Configuration of payroll server 20]
Next, the configuration of the payroll server 20 will be described.
FIG. 15 is a block diagram showing the configuration of the payroll server 20.
The payroll server 20 includes a communication unit 21, a storage unit 22, and a control unit 23.

The communication unit 21 communicates with other devices connected to the communication network NW such as the attendance server 10 and the management server 30.
The storage unit 22 stores variables, various data, programs, and the like necessary for realizing the functions of the payroll server 20. The storage unit 22 stores the employee information 220 and the salary information 221.

The employee information 220 is information including all or a part of the above-mentioned employee information.
The salary information 221 is information including all or a part of the above-mentioned salary information.

The control unit 23 controls each configuration of the payroll server 20. The control unit 23 is realized, for example, by the CPU of the payroll server 20 executing a program stored in advance in the storage unit 22. Further, the control unit 23 may be realized as an integrated circuit such as an ASIC. The control unit 23 includes an attendance information acquisition unit 230 and a payroll calculation unit 231.

The attendance information acquisition unit 230 acquires the attendance information processed by the attendance server 10 via the communication unit 11. The attendance information acquisition unit 230 outputs the acquired attendance information to the payroll calculation unit 231.
The salary calculation unit 231 calculates the salary to be paid to the employee based on the employee information 120 and the attendance information. The salary calculation unit 231 calculates the basic salary based on the job function of the employee information 120, calculates the overtime pay based on the overtime hours of the attendance information, and calculates the total amount of the calculated basic salary and the overtime pay. The amount to be paid. In addition, the salary calculation unit 231 calculates the deduction amount based on the payment amount, and sets the value obtained by subtracting the deduction amount from the payment amount as the payment amount actually paid to the employee. The salary calculation unit 231 outputs the calculated payment amount, information about the payee employee, and the like as payment information to the management server 30 via the communication unit 21.
The above is the description of the configuration of the payroll server 20.

[Configuration of management server 30]
Next, the configuration of the management server 30 will be described.
FIG. 16 is a diagram showing an example of the configuration of the management server 30.
The management server 30 includes a communication unit 31, a storage unit 32, and a control unit 33.
The communication unit 31 communicates with other devices connected to the communication network NW such as the payroll server 20, the electronic money management server 40, the bank server 50, the securities company server 60, the household account book server 70, and the employee terminal 80.
The storage unit 32 stores variables, various data, programs, and the like necessary for realizing the functions of the management server 30. The storage unit 32 stores employee information 320, payment information 321, distribution information 322, proposal information 323, alert information 324, cooperation information 325, and notification information 326.

The employee information 320 is information including all or a part of the above-mentioned employee information.
The payment information 321 is information including all or a part of the above-mentioned payment information.
The distribution information 322 is information including all or a part of the above-mentioned distribution information.
The proposal information 323 is information including all or a part of the above-mentioned proposal information.
The alert information 324 is information including all or a part of the above-mentioned alert information.
The cooperation information 325 is information including all or a part of the above-mentioned cooperation information.
The notification information 326 is information including all or a part of the above-mentioned notification information.

The control unit 33 controls each configuration of the management server 30. The control unit 33 is realized, for example, by the CPU of the management server 30 executing a program stored in advance in the storage unit 32. Further, the control unit 33 may be realized as an integrated circuit such as an ASIC. The control unit 33 includes a payment information acquisition unit 330, a basic electronic money issuing unit 331, a deposit processing unit 332, a distribution information acquisition unit 333, a distribution processing unit 334, a determination unit 335, and an output unit 336. To be equipped. Here, the basic electronic money issuing unit 331 is an example of the “basic money issuing unit”.

The payment information acquisition unit 330 acquires payment information via the communication unit 31, stores the acquired payment information in the payment information 321 of the storage unit 32, and also stores the basic electronic money issuing unit 331 and the payment processing unit 332. And output to the distribution processing unit 334.
The basic electronic money issuing unit 331 issues basic electronic money according to the payment amount based on the funds of the payment source shown in the payment information 321. The basic electronic money issuing unit 331 outputs information indicating the issued basic electronic money to the deposit processing unit 332.
The deposit processing unit 332 deposits the basic electronic money corresponding to the payment amount into the account of the employee of the payment destination shown in the payment information. The basic electronic money issuing unit 331 outputs the payment result to the output unit 336.

The distribution information acquisition unit 333 acquires the distribution information notified from the employee terminal 80 via the communication unit 31. The distribution information acquisition unit 333 stores the acquired distribution information as the distribution information 322 of the storage unit 32.
The distribution processing unit 334 performs distribution processing based on the payment information and the distribution information 322. For example, the distribution processing unit 334 deposits the basic electronic money according to the distribution ratio (or distribution amount) shown in the distribution information 322 of the payment amount into the conventional electronic money of the distribution destination. .. The distribution processing unit 334 deposits the basic electronic money according to the distribution ratio (or distribution amount) shown in the distribution information 322 of the payment amount into the bank account of the distribution destination.
When the distribution processing unit 334 performs the distribution processing, the distribution processing may be performed by associating the use of the funds with the funds to be deposited at the distribution destination. Applications include, for example, rent, communication charges, electricity charges, water charges, and payment of various loans that occur on a regular basis. For example, when the conventional electronic money of the distribution destination, a bank account, etc. is linked with the basic electronic money, the distribution destination can be adjusted according to the usage by performing the distribution processing corresponding to the usage of the funds. Coordinated operations such as making payments are possible. In addition, it is possible to make proposals for future distribution destinations and distribution ratios based on the subsequent usage record of funds by performing distribution processing associated with usage. The distribution processing unit 334 outputs the processing result of the distribution processing to the output unit 336.

The determination unit 335 determines whether or not to make a proposal and whether or not to make an alert based on the payment information and the distribution information. For example, when the determination unit 335 spends more money than the allocated funds at one distribution destination and the allocated funds are hardly used at another distribution destination. , It is determined that a proposal is made to increase the distribution amount to one distribution destination and decrease the distribution amount to another distribution destination. For example, the determination unit 335 determines that if the payment amount is less than the total distribution amount, an alert to that effect is given. For example, the determination unit 335 determines that when the funds are used for a purpose different from the use of the allocated funds, an alert to that effect is given. The determination unit 335 outputs the determination result to the output unit 336. In this case, the determination unit 335 outputs the content of the proposal when it is determined to make a proposal, or the content of the alert when it is determined to perform an alert, to the output unit 336 together with the determination result.

The output unit 336 generates notification information based on the payment result notification by the payment processing unit 332, the distribution processing result by the distribution processing unit 334, and the determination result by the determination unit 335. For example, the output unit 336 generates notification information for notifying the employee terminal 80 of the payment result, and notifies the generated notification information to the employee terminal 80 via the communication unit 31. For example, the output unit 336 generates notification information for notifying the employee terminal 80 of the result of the distribution processing, and notifies the generated notification information to the employee terminal 80 via the communication unit 31. For example, the output unit 336 generates notification information for notifying the employee terminal 80 of the content of the proposal proposed by the determination unit 335, and notifies the generated notification information to the employee terminal 80 via the communication unit 31. For example, the output unit 336 generates notification information for notifying the employee terminal 80 of the content of the alert by the determination unit 335, and notifies the generated notification information to the employee terminal 80 via the communication unit 31. ..
The above is the description of the configuration of the management server 30.

[Configuration of electronic money management server 40]
Next, the configuration of the electronic money management server 40 will be described.
FIG. 17 is a block diagram showing the configuration of the electronic money management server 40.
The electronic money management server 40 includes a communication unit 41, a storage unit 42, and a control unit 43.

The communication unit 41 communicates with another device connected to the communication network NW such as the management server 30.
The storage unit 42 stores variables, various data, programs, and the like necessary for realizing the functions of the electronic money management server 40. The storage unit 42 stores the account information 420 and the balance information 421.
The account information 420 is information about the account of a user who has a conventional electronic money account managed by the electronic money management server 40.
The balance information 421 is information on the balance, which is an amount corresponding to the conventional electronic money held in the conventional electronic money account managed by the electronic money management server 40.

The control unit 43 controls each configuration of the electronic money management server 40. The control unit 43 is realized, for example, by the CPU of the electronic money management server 40 executing a program stored in advance in the storage unit 42. Further, the control unit 43 may be realized as an integrated circuit such as an ASIC. The control unit 43 includes a charge information acquisition unit 430, a payment information acquisition unit 431, and a processing unit 432.

The charge information acquisition unit 430 acquires charge information. The charge information is information on the funds deposited (charged) in the conventional electronic money account. The charge information acquisition unit 430 acquires charge information from an external device (for example, the management server 30) via the communication unit 41. The charge information acquisition unit 430 outputs the acquired information to the processing unit 432.
The payment information acquisition unit 431 acquires payment information. The settlement information is information related to the settlement when the conventional electronic money is used for the settlement. The payment information acquisition unit 431 acquires payment information from an external device (for example, a cash register terminal of a retail store (not shown)) via the communication unit 41. The payment information acquisition unit 431 outputs the acquired payment information to the processing unit 432.
The processing unit 432 calculates the funds (conventional electronic money) held in the conventional electronic money account based on the charge information and the payment information. The settlement information acquisition unit 431 updates the calculated funds by storing them in the balance information 421 of the storage unit 42.
The above is the description of the configuration of the electronic money management server 40.

[Configuration of bank server 50]
Next, the configuration of the bank server 50 will be described.
FIG. 18 is a block diagram showing the configuration of the bank server 50.
The bank server 50 includes a communication unit 51, a storage unit 52, and a control unit 53.

The communication unit 51 communicates with another device connected to the communication network NW such as the management server 30.
The storage unit 52 stores variables, various data, programs, and the like necessary for realizing the functions of the bank server 50. The storage unit 52 stores the account information 520 and the balance information 521.
The account information 520 is information about a bank account managed by the bank server 50.
The balance information 521 is information regarding the balance of funds held in the bank account managed by the bank server 50.

The control unit 53 controls each configuration of the bank server 50. The control unit 53 is realized, for example, by the CPU of the bank server 50 executing a program stored in advance in the storage unit 52. Further, the control unit 53 may be realized as an integrated circuit such as an ASIC. The control unit 53 includes a deposit report acquisition unit 530, a withdrawal information acquisition unit 531 and a processing unit 532.

The payment report acquisition unit 530 acquires payment information. Deposit information is information about the funds deposited in a bank account. The payment report acquisition unit 530 acquires the payment information from an external device (for example, the management server 30) via the communication unit 51. The payment report acquisition unit 530 outputs the acquired information to the processing unit 532.
The withdrawal information acquisition unit 531 acquires withdrawal information. Withdrawal information is information regarding the withdrawal when the withdrawal is made from a bank account. The withdrawal information acquisition unit 531 acquires the withdrawal information from an external device (for example, an ATM terminal of a bank (not shown)) via the communication unit 51. The withdrawal information acquisition unit 531 outputs the acquired withdrawal information to the processing unit 532.
The processing unit 532 calculates the funds held in the bank account based on the deposit information and the withdrawal information. The processing unit 532 updates the calculated funds by storing them in the balance information 521 of the storage unit 52.
The above is the description of the configuration of the bank server 50.

[Configuration of securities company server 60]
Next, the configuration of the securities company server 60 will be described.
FIG. 19 is a block diagram showing a configuration of a securities company server 60.
The securities company server 60 includes a communication unit 61, a storage unit 62, and a control unit 63.

The communication unit 61 communicates with another device connected to the communication network NW such as the management server 30.
The storage unit 62 stores variables, various data, programs, and the like necessary for realizing the functions of the securities company server 60. The storage unit 62 stores the account information 620 and the balance information 621.
The account information 620 is information about a securities account managed by the securities company server 60.
The balance information 621 is information on the balance of the balance (for example, purchased securities may be included) held in the securities account managed by the securities company server 60.

The control unit 63 controls each configuration of the securities company server 60. The control unit 63 is realized, for example, by the CPU of the securities company server 60 executing a program stored in advance in the storage unit 62. Further, the control unit 63 may be realized as an integrated circuit such as an ASIC. The control unit 63 includes a purchase information acquisition unit 630, a sale information acquisition unit 631, and a processing unit 632.

The purchase information acquisition unit 630 acquires purchase information. Purchase information is information about securities purchased through a securities account. The purchase information acquisition unit 630 acquires purchase information from an external device (for example, the management server 30) via the communication unit 61. The purchase information acquisition unit 630 outputs the acquired information to the processing unit 632.
The sale information acquisition unit 631 acquires the sale information. The sale information is information on the sale when the security is sold through the securities account. The sale information acquisition unit 631 acquires the sale information from an external device (for example, the bank server 50) via the communication unit 61. The sale information acquisition unit 631 outputs the acquired sale information to the processing unit 632.
The processing unit 632 calculates the funds held in the securities account based on the purchase information and the sale information. The processing unit 632 updates the calculated funds by storing them in the balance information 621 of the storage unit 62.
The above is the description of the configuration of the securities company server 60.

[Configuration of household account book server 70]
Next, the configuration of the household account book server 70 will be described.
FIG. 20 is a block diagram showing the configuration of the household account book server 70.
The household account book server 70 includes a communication unit 71, a storage unit 72, and a control unit 73.

The communication unit 71 communicates with another device connected to the communication network NW such as the management server 30.
The storage unit 72 stores variables, various data, programs, and the like necessary for realizing the functions of the household account book server 70. The storage unit 72 stores the account information 720 and the household budget information 721.
The account information 720 is information about the account of the household account book application managed by the household account book server 70.
The household account information 721 is household information for each account of the household account book application managed by the household account book server 70. The household budget information is information on the household budget, for example, information showing the balance history of the bank account of the partner, the history of purchase by credit card, the history of shopping, the transition of income and expenditure, and the like.

The control unit 73 controls each configuration of the household account book server 70. The control unit 73 is realized, for example, by the CPU of the household account book server 70 executing a program stored in advance in the storage unit 72. Further, the control unit 73 may be realized as an integrated circuit such as an ASIC. The control unit 73 includes a cooperation destination account information acquisition unit 730, an input information acquisition unit 731, and a processing unit 732.

The cooperation destination account information acquisition unit 730 acquires the cooperation destination account information. The linked account information is information related to usage details of a bank account or the like linked with the household account book application. The cooperation destination account information acquisition unit 730 acquires the cooperation destination account information from an external device (for example, a management server 30, a bank server 50, a securities company server 60, etc.) via a communication unit 71. The cooperation destination account information acquisition unit 730 outputs the acquired cooperation destination account information to the processing unit 732.
The input information acquisition unit 731 acquires the input information. The input information is information on expenditure read from the image of the receipt taken by the user of the household account book application, and information on income or expenditure input by the user of the household account book application. The input information acquisition unit 731 acquires the input information from an external device (for example, the employee terminal 80) via the communication unit 71. The input information acquisition unit 731 outputs the acquired input information to the processing unit 732.
The processing unit 732 creates a household account book based on the linked account information and the input information. The processing unit 732 updates the household account book by storing the created household account book in the household account information 721 of the storage unit 72.
The above is the description of the configuration of the household account book server 70.

[Configuration of employee terminal 80]
Next, the configuration of the employee terminal 80 will be described.
FIG. 21 is a block diagram showing the configuration of the employee terminal 80.
The employee terminal 80 includes a communication unit 81, a storage unit 82, a control unit 83, a display unit 84, and an input unit 85.

The communication unit 81 communicates with another device connected to the communication network NW such as the management server 30.
The storage unit 82 stores variables, various data, programs, and the like necessary for realizing the functions of the employee terminal 80. The storage unit 82 stores the salary payment application setting information 820 and the household account book application setting information 821.
The salary payment application setting information 820 is the setting information of the salary payment application related to the "salary payment service" provided by the management server 30. The salary payment application setting information is information related to the settings in the salary payment application, and includes, for example, an account, password, distribution information, notification information, proposal information, alert information, etc. set by the user of the salary payment application. ..
The household account book application setting information 821 is the setting information of the household account book application related to the "household account book creation service" provided by the household account book server 70. The setting information of the household account book application includes an account, a password, linked account information, input information, etc. set by the user of the household account book application.

The control unit 83 controls each configuration of the employee terminal 80. The control unit 83 is realized, for example, by the CPU of the employee terminal 80 executing a program stored in advance in the storage unit 82. Further, the control unit 83 may be realized as an integrated circuit such as an ASIC. The control unit 83 includes a salary payment application processing unit 830, a household account book application processing unit 831, and a display control unit 832.

The salary payment application processing unit 830 processes the salary payment application. The processing of the salary payment application is a process for providing a service by the salary payment application. For example, an input form for inputting distribution information may be displayed, or the input distribution information may be input to the management server 30. It is a process of sending to the server and receiving the notification information from the management server 30. When the salary payment application processing unit 830 displays the input form or displays the notification information, the salary payment application processing unit 830 outputs information indicating the display contents to the display control unit 832.
The household account book application processing unit 831 processes the household account book application. The processing of the household account book application is a process for providing a service by the household account book application, such as displaying a login screen, sending input input information to the household account book server 70, and notifying the household account book server 70. It is a process to display the linked account information. When displaying the login screen or displaying the linked account information, the household account book application processing unit 831 outputs information indicating the display contents to the display control unit 832.
The display control unit 832 controls the display content to be displayed on the display unit 84. The display control unit 832 acquires information indicating the display contents from, for example, the salary payment application processing unit 830 and the household account book application processing unit 831, and causes the display unit 84 to display the contents shown in the acquired information.

The display unit 84 displays an image under the control of the display control unit 832.
The input unit 85 is configured to include an input means such as a touch panel of the employee terminal 80, and acquires the contents operated by the input means. The input unit 85 acquires, for example, the input information manually input to the household account book application, and outputs the acquired input information to the household account book application processing unit 831.
The above is the description of the configuration of the employee terminal 80.

[Summary of this embodiment]
As described above, the financial infrastructure system 1 according to the embodiment includes the basic electronic money issuing unit 331, the payment information acquisition unit 330, the payment processing unit 332, the distribution information acquisition unit 333, and the distribution processing unit. It includes a 334 and an output unit 336. The basic electronic money issuing unit 331 issues basic electronic money that can be deposited into conventional electronic money based on the funds of the payment source. The payment information acquisition unit 330 acquires payment information including information on the payment amount and the payee, which is payment information on payment by the payer. The deposit processing unit 332 deposits the basic electronic money according to the payment amount into a predetermined account of the basic electronic money at the payee. The distribution information acquisition unit 333 acquires distribution information including information on the distribution amount and the distribution destination, which is the distribution information regarding the distribution of the basic electronic money. The distribution processing unit 334 deposits the conventional electronic money according to the distribution amount into the predetermined account of the conventional electronic money indicated as the distribution destination based on the basic electronic money deposited to the payee. .. The output unit 336 outputs notification information for notifying the payee of the processing result by the distribution processing unit. As a result, the financial infrastructure system 1 according to the embodiment can pay the funds such as salary to be paid to the payee with the basic electronic money and distribute it to the paid basic electronic money WP conventional electronic money. Basic electronic money can be intervened in consumption activities.

Here, the management server 30 is an example of an “information processing device”.
The amount of salary paid to employees is an example of "payment amount".
Further, the basic electronic money is not limited to the use of the conventional electronic money deposit (charge) source, the deposit of the bank account or the securities account, and may be used for all consumption activities and investment activities. In addition, it may be used for repayment to financial institutions such as consumer finance. The basic electronic money may be used for arbitrary consumption activities such as the purchase of gift cards, gift certificates, etc., may be used for earning points, or may be used for earning points, for example. The points here are benefits that are given according to the amount of money purchased, the payment method, etc., and can be used for payment instead of cash, or can be exchanged for products or services. Is.

By managing the flow of the basic electronic money, the management server 30 can guide the user of the basic electronic money to some kind of consumption, investment, insurance product, etc., and grasp the dynamics and trends of the user. Is possible. In addition, it is suitable for individual users, such as receiving salary by payment of basic electronic money, depositing (returning) only living funds to the bank of the main bank from there, and saving the rest using investment services. It is also possible to operate it.

In addition, the distribution destination is not limited to conventional electronic money accounts, bank accounts, and securities accounts. Similar to the use of basic electronic money, it may be allocated to funds or equivalents used for any consumption activity including purchase of gift cards, gift certificates, etc., acquisition of points, and the like.

Further, the financial infrastructure system 1 of the embodiment may function as an information processing device for payment by the infrastructure electronic money. In this case, the information processing device includes a basic electronic money issuing unit 331, a payment information acquisition unit 330, and a payment processing unit 332. As a result, the information processing apparatus can exert the same effect as the above-mentioned effect.
Further, the financial infrastructure system 1 of the embodiment may function as an information processing device for distributing the infrastructure electronic money. In this case, the information processing device includes a distribution information acquisition unit 333, a distribution processing unit 334, and an output unit 336. As a result, the information processing apparatus can exert the same effect as the above-mentioned effect.

Further, a program for realizing the functions of the financial infrastructure system 1, the management server 30, and the employee terminal 80 described above is recorded on a computer-readable recording medium, and the program recorded on the recording medium is stored in the computer system. By reading and executing, the processing as the financial infrastructure system 1, the management server 30, and the employee terminal 80 may be performed. Here, "loading and executing a program recorded on a recording medium into a computer system" includes installing the program in the computer system. The term "computer system" as used herein includes hardware such as an OS and peripheral devices. Further, the "computer system" may include a plurality of computer devices connected via a network including a communication line such as the Internet, WAN, LAN, and a dedicated line. The "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, or a storage device such as a hard disk built in a computer system. As described above, the recording medium in which the program is stored may be a non-transient recording medium such as a CD-ROM. The recording medium also includes an internal or external recording medium that can be accessed from the distribution server to distribute the program. The code of the program stored in the recording medium of the distribution server may be different from the code of the program in a format that can be executed by the terminal device. That is, the format stored in the distribution server does not matter as long as it can be downloaded from the distribution server and installed in a form that can be executed by the terminal device. The program may be divided into a plurality of parts, downloaded at different timings, and then combined by the terminal device, or the distribution server for distributing each of the divided programs may be different. Furthermore, a "computer-readable recording medium" is a volatile memory (RAM) inside a computer system that serves as a server or client when a program is transmitted via a network, and holds the program for a certain period of time. It shall also include things. Further, the above program may be for realizing a part of the above-mentioned functions. Further, a so-called difference file (difference program) may be used, which can realize the above-mentioned functions in combination with a program already recorded in the computer system.

1 ... Financial infrastructure system, 10 ... Attendance server, 20 ... Payroll server, 30 ... Management server, 31 ... Communication department, 32 ... Storage unit, 33 ... Control unit, 320 ... Employee information, 321 ... Payment information, 322 ... Minute information, 323 ... Proposal information, 324 ... Alert information, 325 ... Cooperation information, 326 ... Notification information, 330 ... Payment information acquisition department, 331 ... Basic electronic money issuing department (Basic money issuing department), 332 ... Deposit processing department, 333 ... Distribution information acquisition unit, 334 ... Distribution processing unit, 335 ... Judgment unit, 336 ... Output unit, 40 ... Electronic money management server, 50 ... Bank server, 60 ... Securities company server, 70 ... Household account book server, 80 … Employee terminal

Claims (9)

A basic money issuing department that issues basic money that can be deposited into conventional electronic money that can be settled as consideration for goods or services based on the funds of the payment source.
A payment information acquisition unit that acquires payment information including information on the payment amount and the payee, which is payment information on payment by the payment source.
A deposit processing unit that deposits the basic money according to the payment amount into a predetermined account of the basic money at the payee.
A distribution information acquisition unit that acquires distribution information including information on the distribution amount and the distribution destination, which is the distribution information related to the distribution of the basic money.
Distribution processing that deposits conventional electronic money according to the distribution amount into a predetermined account of the conventional electronic money indicated as the distribution destination based on the basic money deposited to the payee. Department and
An output unit that outputs notification information for notifying the payee of the processing result by the distribution processing unit, and an output unit.
Financial infrastructure system equipped with. The basic money can be deposited in a financial account,
The distribution information acquisition unit acquires distribution information including information on the financial account of the distribution destination, and obtains the distribution information.
Based on the basic money deposited in the account, the distribution processing unit deposits funds according to the distribution amount into the financial account indicated as the distribution destination.
The financial infrastructure system according to claim 1. The distribution information acquisition unit acquires distribution information including information on the use of funds according to the distribution amount.
Based on the distribution information, the distribution processing unit deposits funds corresponding to the distribution amount into the financial account indicated as the distribution destination in association with the use of the funds.
The output unit outputs proposal information that proposes the distribution amount to the distribution destination financial account to the payment destination based on the balance record of the distribution destination financial account.
The financial infrastructure system according to claim 2. A basic money issuing department that issues basic money that can be deposited into conventional electronic money that can be settled as consideration for goods or services based on the funds of the payment source.
A payment information acquisition unit that acquires payment information including information on the payment amount and the payee, which is payment information on payment by the payment source.
A deposit processing unit that deposits the basic money according to the payment amount into a predetermined account of the basic money at the payee.
Information processing device equipped with. In an information processing device that distributes basic money paid from a payer to a payee to a distribution destination, which is basic money that can be deposited into conventional electronic money that can be settled as consideration for goods or services.
A distribution information acquisition unit that acquires distribution information including information on the distribution amount and the distribution destination, which is the distribution information related to the distribution of the basic money.
Distribution processing that deposits conventional electronic money according to the distribution amount into a predetermined account of the conventional electronic money indicated as the distribution destination based on the basic money deposited to the payee. Department and
An output unit that outputs notification information for notifying the payee of the processing result by the distribution processing unit, and
Information processing device equipped with. The basic money issuing department issues basic money that can be deposited into conventional electronic money that can be settled as consideration for goods or services based on the funds of the payment source.
The payment information acquisition unit acquires payment information including information on the payment amount and the payee, which is payment information on payment by the payment source.
The deposit processing unit deposits the basic money according to the payment amount into a predetermined account of the basic money at the payee.
Information processing method. In an information processing device that distributes basic money paid from a payer to a payee to a distribution destination, which is basic money that can be deposited into conventional electronic money that can be settled as consideration for goods or services.
The distribution information acquisition unit acquires distribution information including information on the distribution amount and the distribution destination, which is the distribution information related to the distribution of the basic money.
Based on the basic money deposited to the payee, the distribution processing unit puts the conventional electronic money according to the distribution amount into a predetermined account of the conventional electronic money indicated as the distribution destination. Deposit and
The output unit outputs notification information for notifying the payee of the processing result by the distribution processing unit.
Information processing method. To the computer of the information processing device
A basic money issuing means for issuing basic money that can be deposited into conventional electronic money that can be settled as consideration for goods or services based on the funds of the payment source.
Payment information acquisition means for acquiring payment information including information on the payment amount and the payee, which is payment information on payment by the payment source.
A deposit processing means for depositing the basic money according to the payment amount into a predetermined account of the basic money at the payee.
A program to execute. A computer of an information processing device that can deposit basic electronic money that can be settled as consideration for goods or services, and distributes the basic money paid by the payer to the payee to the distribution destination. To,
The distribution information acquisition means for acquiring the distribution information including the distribution amount and the distribution destination, which is the distribution information regarding the distribution of the basic money.
Distribution processing that deposits conventional electronic money according to the distribution amount into a predetermined account of the conventional electronic money indicated as the distribution destination based on the basic money deposited to the payee. Means and
An output means for outputting notification information for notifying the payee of the processing result by the distribution processing means, and
A program to execute.

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