JP2022015435A - Method or system for remittance or settlement with digital money - Google Patents

Abstract

To provide a system that allows workers to receive salaries with digital money, and to provide a system that allows individuals to pay taxes and utility bills with digital money other than credit cards.SOLUTION: A user is allowed to receive digital money equivalent to transferred funds or to transfer digital money to a predetermined transfer destination as cash by sending and receiving digital money between a financial institution and the user who holds the digital money while performing a procedure for transfer settlement between financial institutions in cash. There is no need to invest in system changes related to API connection with the Zengin-Net accompanying the use of digital money, and there is no change in an accounting system on a company side, thereby it is possible to easily introduce reception and payment with digital money.SELECTED DRAWING: Figure 1

Description

The present invention relates to a method or system of remittance or settlement using digital money, and particularly relates to a technique that enables payment of salary, tax, etc. with digital money.

Digital money refers to money consisting of electronic information without the substance of real physical currency such as cash (banknotes and coins). Various digital money such as credit cards, which are a type of cash postpaid digital money, prepaid cash prepaid digital money, and virtual currencies are pervading everyday.

In Japan, the salary paid by the employer to the worker as compensation for labor is limited to cash delivery or transfer to a bank / securities account, and payment by digital money is not permitted. According to Article 24 of the Labor Standards Law, salary payment methods are (1) currency, (2) direct workers, (3) full amount, (4) at least once a month, and (5) a fixed date. Cash payments are the norm, as it is stipulated that payments must be made. However, as an "exception rule" in Article 7-2 of the Labor Standards Law Enforcement Regulations, transfer to a bank account or general securities account is also permitted as an exception with the consent of the worker himself / herself. It was through a securities account, but digital money was excluded.

In order to promote the spread of cashless payments, the Government of Japan has decided to allow payments in digital money for salary payments that were previously limited to cash or bank / securities accounts. From now on, workers will be able to receive salaries in digital money.
The following Patent Documents 1 and 2 are examples of a system for converting salary into virtual currency and paying it.

Japanese Patent No. 6341487 Japanese Unexamined Patent Publication No. 2019-50006

Most payroll companies use their payroll software for accounting. Since these payroll software links accounts such as banks specified for each employee as transfer destinations, when paying salaries with digital money, it is not limited to changing the transfer account information, but digitally. An API connection with a money management company is required. In other words, since each company's payroll software will be modified, it will be necessary to change the accounting system in the company in order to support digital money. For this reason, companies tend to hesitate to include digital money as one of the payroll payment forms, and payroll payments tend to remain the same as in the past, such as cash and bank transfer.

Also, at present, only credit card payment of digital money can only pay taxes and some utility charges by entrusting the payment trustee with advance payment, and some taxes can be settled by smartphone. However, it is necessary to download the specified application to the smartphone terminal and register for use in advance, or to charge in advance. It is not easy for users to pay taxes and utilities with digital money.

Therefore, in the present invention, the worker can maintain the account transfer to the conventional bank or securities company without changing the system on the company side for the API connection with the digital money management company or modifying the payroll software. The purpose is to provide a system that enables a mechanism to receive salaries with digital money. It also aims to provide a system that allows individuals to pay taxes and utilities with digital money other than credit cards.

In order to achieve the above object, the remittance method according to the present invention is performed from the deposit account of the first user of the individual or organization held by the first financial institution via the national bank fund settlement network, and the first of the individual or organization. It is a transfer method for transferring funds to a digital wallet of two users, and the information of the digital money account of the second user opened in advance and the amount of funds to be transferred are transferred from the first user to the first financial institution. The process received by the system and the system of the first financial institution correspond to the transfer amount to the digital money account of the second user of the second financial institution via the national bank fund settlement network. In response to the cash transfer procedure and the cash transfer procedure by the first financial institution system, the second financial institution system transfers the transfer amount to the second user's digital money account. The process of depositing the corresponding cash, the process of the system of the second financial institution outputting the instruction to convert the cash into digital money and transferring the money, and the process of outputting the instruction to transfer the cash, and the second process in response to the instruction. It is characterized in that a system of a financial institution or a digital money issuer executes a process of transferring the digital money to the digital wallet of the second user.

Further, in order to achieve the above object, the payment system according to the present invention is a payment system using digital money of a user who is an individual or an organization, and manages a user's digital money account opened in advance. The system of the financial institution 1 is an instruction to transfer money from the user's digital wallet by digital money, and in response to the means for receiving the instruction including the transfer destination information and the transfer amount and the instruction of the transfer, the said The means by which the system of the first financial institution or the digital money issuer deposits the digital money from the user's digital wallet to the first financial institution, and the system of the first financial institution deposits the digital money. A means for converting the digital money into cash and performing the cash transfer procedure to the second financial institution included in the transfer destination information via the national bank fund settlement network, and the system of the second financial institution. However, it is characterized in that the means for receiving the cash corresponding to the digital money is provided through the transfer procedure.

In the method of transferring funds to the digital wallet according to the present invention, the procedure for transfer settlement between financial institutions is performed in cash, and digital money is sent and received between the financial institution and the user who holds the digital money. , It is a mechanism that the user can receive digital money equivalent to the transferred funds. For this reason, there is no change in the existing cash account transfer mechanism between financial institutions via the National Bank Fund Settlement Network (Zengin Net). Therefore, there is no need to invest in system changes related to API connection with Zengin Net due to the use of digital money, and cash withdrawn from the company will be delivered as digital money without changing the accounting system of the company. Enables.

In addition, a payment system using digital money corresponds to this digital money after the digital money from the user's digital wallet is transferred to a financial institution when the user wishes to pay taxes and utilities with digital money. It is a mechanism to convert to cash and deposit the cash to a predetermined financial institution entrusted by the government or local government via the Zengin Net. Since the transfer between accounts between financial institutions will use the already established Zengin Net as it is, it was not possible to pay with digital money without changing the conventional payment operation such as taxes and utilities. These payments can be made.

It is a block diagram which shows the outline of the remittance method which concerns on this invention. It is a figure which shows the procedure of the remittance method from a company to an individual. It is a figure which shows the procedure of the remittance method from an individual to a government or a local government.

An embodiment of the transfer system 100 that realizes the remittance method according to the present invention will be described below with reference to the drawings. In the present embodiment, the content of the remittance is a salary that is the consideration of the worker, and an example of receiving this salary with digital money is shown, but the present invention is not limited to receiving the salary.

FIG. 1 is a configuration diagram showing an outline of a remittance method by the transfer system 100.
The transfer system 100 of the present embodiment is the accounting system 11 of the X company 1 on the side that employs the worker, and the financial institution established by the X company 1 for the salary transfer (hereinafter referred to as "Bank A"). 2 system and each system of other financial institutions (hereinafter referred to as "B bank 4" and "C bank 5") linked with the system of bank A 2 and the national bank fund settlement network 3 be. In addition to "Bank B 4" and "Bank C 5", other banks designated by each employee of Company X 1 as salary recipients may be included, but they are omitted here and unless otherwise specified. , Bank B4 on behalf of the financial institution to which the employee's salary is received.

It is assumed that the account 21 of the X company 1 is already opened in the bank A 2, and the account 21 has the necessary deposit balance for paying the salary of the employee of the X company 1. If the employee wants to receive salary from company X 1 with digital money, he / she opens an account at a predetermined branch (“digital money branch” in Fig. 1) that can process the desired digital money of bank B4. Keep it. In addition, each employee has a user wallet 5 that can receive digital money, and can access the user wallet 5 from his / her smartphone terminal or the like and use the digital money.

FIG. 2 is a diagram showing a flow of payroll transfer by digital money.
As shown in FIG. 2, an employee (user) requests the digital money branch of Bank B 4 to open a digital money account 41. In response to the opening request, Bank B 4 assigns a digital money branch number and account number to the employee who is the holder, as in the case of opening a cash account, so that each employee's account can be uniquely identified. To. When opening a digital money account 41, providing personal information and various consent forms to Bank B 4 is the same as opening a cash account.

The employee informs the X company 1 of the information of the digital money account 41 opened as the payroll transfer destination, and the X company 1 registers the information of the digital money account 41 in the accounting system 11. Company X 1 hands the salary transfer details to Bank A 2 when processing the payment of salary to the employee. The payroll statement is a list showing which bank's account the salary amount for each employee is to be transferred to. The bank account included in the payroll statement includes a digital money account 41 of an employee who wants to receive salary in digital money.

The system of Bank A 2 performs a transfer process of withdrawing money from the account 21 of Company X 1 based on the salary transfer details and paying the salary to each employee's account via the national bank fund settlement network 3. The National Bank Funds Settlement Network 3 currently covers almost all private financial institutions in Japan, and relays domestic exchange transactions between banks online in real time to settle funds associated with the transactions. It should be noted here that even if the payroll destination is the digital money account 41 that handles digital money, the remittance via the national bank fund settlement network 3 between Bank A 2 and Bank B 4 is not possible. It is a cash transfer. It is not a configuration in which "digital money" is directly transferred from Bank A 2 to Bank B 4. Therefore, even if the payroll destination is the digital money account 41, the direct inter-account transaction via the national bank fund settlement network 3 is no different from the cash transfer processing that has been operated conventionally. In addition, there is nothing to change the national bank fund settlement network 3 itself in the transfer of funds between banks.

When the salary is transferred as cash to the employee's digital money account 41 (that is, the transfer of cash from the account 21 of the X company 1 in the bank A 2 to the employee's digital money account 41 is completed), then B Bank 4 converts the salary amount into digital money. In FIG. 2, digital money corresponding to the salary amount is deposited in the digital wallet 42 of Bank B 4. Therefore, at this stage, cash is replaced by digital money. Then, the digital wallet 42 of the bank B 4 remits the digital money to the user wallet 5 of the employee. In FIG. 2, the digital wallet 6 of the X company 1 is interposed between the digital wallet 42 of the B bank 4 and the user wallet 5 (in this case, the X company 1 is the digital wallet 6 of the B bank). It is premised that you have in advance). It does not necessarily require the digital wallet 6 for X company 1, but if it goes through the digital wallet 6 for X company 1, the history of where the digital money was deposited into the user wallet 5 becomes clear. Become. Therefore, when clarifying the information of the sender and the receiver of deposits and withdrawals, it is effective to perform the process via the digital wallet 6 for the X company 1 which is the payee.

Further, in the above-described embodiment, the cash is converted into digital money in the B bank 4 and deposited in the digital wallet 42, but the system of the B bank 4 can transfer the digital money to the user wallet 5 without using the digital wallet 42. If the means is provided, the digital wallet 42 may be omitted.

Further, although an example of converting salary into digital money peculiar to Bank B 4 and moving it to the digital wallet 42 peculiar to Bank B 4 is shown, it is not necessary to be restricted by the conditions peculiar to each bank. In other words, the ID of the issuing bank is given to the digital money, but by associating this ID with each other and sharing the interbank digital money with each other, even when using the digital money and the digital wallet shared between the banks. Applicable.
In addition, if the central bank of a country issues domestic shared digital money or shared digital money across multiple regions, including overseas, in the future, an independent digital wallet without restrictions from financial institutions or countries should be used. It is desirable to have a well-established configuration. Furthermore, digital money is traded in cases where the conversion ratio between legal tender and digital money is constant, and the exchange rate between currencies is determined by various factors such as market circulation volume and balance between supply and demand. Includes both cases where the conversion ratio changes, such as the crypto assets (virtual currency) of.

In addition, since financial institutions such as banks have started to work on digital money at this point, in this embodiment, the configuration in which the bank plays a central role in remittance of digital money is described, but the bank itself does not necessarily issue digital money. It does not have to be the original. For example, a digital money management company entrusted by a bank or jointly developed issues digital money equivalent to the salary amount instructed by bank B 4 and remits it to the employee's user wallet 5. You may.

The above-described embodiment has been described by taking the flow of receiving salaries of employees as an example, but it can also be applied to, for example, the case where payments from the government are received by digital money instead of cash. In this case, the same mechanism can be realized by replacing the X company 1 with the government or the local government, and replacing the bank B 4 with the government, the local government, or a bank designated by an individual. Further, depending on the trading partner, X company 1 and employees can apply any combination of an individual and a company (organization).

<Second embodiment>
The following describes the flow of an individual (user) using his / her own digital money to transfer money to the other party's bank account. Here is an example of paying taxes and utilities with digital money. As shown in FIG. 3, the user requests to open a digital money account 41 at the digital money branch of Bank B 4. In response to the opening request, Bank B 4 assigns a digital money branch number and an account number to the user who is the holder, as in the case of opening a cash account, so that the user's account can be uniquely identified. When opening a digital money account 41, providing personal information and various consent forms to Bank B 4 is the same as opening a cash account. Further, the user has a user wallet 5 that can receive digital money, and the user can access the user wallet 5 from his / her smartphone terminal or the like so that the digital money can be used, as in the above-described embodiment. be.

The user remits digital money corresponding to the payment amount of taxes and the like from the user wallet 5 to the digital wallet 42 of the B bank 4. At the time of this remittance, the user also sends the transfer destination information of a predetermined financial institution designated in advance for accepting payment of taxes and the like. The system of Bank B 4 withdraws the user's digital money deposited in the digital wallet 42, converts it into cash, and deposits it in the already opened user's digital money account 41. Therefore, at this stage, digital money is replaced by cash.

The system of Bank B 4 moves the cash deposited in the digital money account 41 to the account of a predetermined financial institution designated as the payment transfer destination information such as taxes via the national bank fund settlement network 3. That is, the transfer of funds via the national bank fund settlement network 3 is still cash, rather than the configuration in which "digital money" is directly remitted from the bank B 4 to the designated financial institution. Therefore, the transaction between accounts via the national bank fund settlement network 3 performed between financial institutions is no different from the conventional cash transfer processing. In addition, there is nothing to change the national bank fund settlement network 3 itself in the transfer of funds between banks.

In addition, in the case of the second embodiment, the digital money and the digital wallet shared between banks can be used, and the digital money shared domestically and worldwide and the independent digital wallet without the restrictions of financial institutions and countries. The present invention can be applied to the same as the first embodiment described above. In addition, the issuer of digital money may be any digital money management company as well as the bank, including both cases where the conversion ratio of legal tender and digital money changes and is constant. It is the same as the embodiment of.

In each of the above-described embodiments, remittances between an individual user and a company, a government, or the like are shown, but it goes without saying that the present invention can also be applied to remittances between companies or individuals.

As described above, the present invention has described a mechanism in which digital money can be used instead of money or coins for arbitrary transfer settlement. Payment by credit card or debit card is also a kind of digital money in that it is processed without directly handing money or coins to the other party, but these are debiting the payment amount from the bank deposit account and the other party of the transaction. The digital money itself is not supposed to be sent to. On the other hand, the present invention is completely different from the conventional payment method in that it includes a process of remittance of digital money itself.

Further, since the present invention directly uses the national bank fund settlement network covered by financial institutions nationwide for transfer settlement between financial institutions, there is nothing in the transaction settlement system of financial institutions that has been utilized so far. It has no effect. Furthermore, there is no need to change the accounting system operated by companies, etc., and it will be possible to easily introduce receipts and payments using digital money, which was not possible until now.

1 X company 2 Bank A 3 National bank fund settlement network 4 Bank B 5 User wallet 6 Bank A's digital wallet 41 Digital money account 41
42 B Bank Digital Wallet

Claims (8)

A remittance method that transfers funds from a deposit account for the first user of an individual or organization held by a first financial institution to the digital wallet of a second user of the individual or organization via the National Bank Fund Settlement Network. ,
The process of receiving the information of the digital money account of the second user opened in advance and the amount of funds to be transferred from the first user in the system of the first financial institution.
A process in which the system of the first financial institution performs a cash transfer procedure corresponding to the transfer amount to the digital money account of the second user of the second financial institution via the national bank fund settlement network. ,
In response to the cash transfer procedure by the system of the first financial institution, the system of the second financial institution performs a cash deposit procedure corresponding to the transfer amount to the digital money account of the second user. When,
A process in which the system of the second financial institution outputs an instruction to convert the cash into digital money and remittance.
In response to the instruction, the system of the second financial institution or the digital money issuer transfers the digital money to the digital wallet of the second user.
How to run. The method according to claim 1, wherein the digital money is shared by a plurality of regions or financial institutions in Japan and abroad. In the process in which the system of the second financial institution or the digital money issuer transfers the digital money to the digital wallet of the second user, the system or the digital money issuer of the second financial institution is the said. The method according to claim 1 or 2, wherein the money is transferred to the digital wallet of the second user via the digital wallet of the first user. The method according to any one of claims 1 to 3, wherein the second user's digital wallet receives information that the transfer source is the first user when the digital money is transmitted. The method according to any one of claims 1 to 3, wherein the amount to be converted between the cash and the digital money is determined based on a constant or time-varying ratio. A payment system that uses the digital money of an individual or organization user.
The system of the first financial institution that manages the user's digital money account opened in advance is an instruction to transfer money from the user's digital wallet by digital money, and the instruction including the transfer destination information and the transfer amount is given. Means of receiving and
In response to the remittance instruction, the system of the first financial institution or the digital money issuer performs a procedure for depositing digital money from the user's digital wallet to the first financial institution.
The system of the first financial institution converts the deposited digital money into cash and performs the cash transfer procedure to the second financial institution included in the transfer destination information via the national bank fund settlement network. Means and
A means by which the system of the second financial institution receives the cash corresponding to the digital money through the transfer procedure.
Payment system with. The payment system according to claim 6, wherein the digital money is shared by a plurality of regions or financial institutions in Japan and abroad. The payment system according to claim 6 or 7, wherein the amount to be converted between the cash and the digital money is determined based on a constant or time-varying ratio.

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