JP7322314B1 - Information processing device, information processing method, and information processing program - Google Patents

Abstract

[Problem] To efficiently operate a mechanism for protecting users who use digital salary payment while responding to requests from the government in services related to digital salary payment. An information processing apparatus according to the present application has a customer information information storage unit, a balance information storage unit, a management unit, a generation unit, and a payment request unit. The management unit obtains customer information and balance information periodically provided by the fund transfer service provider that outsources work related to guaranteeing the salary money balance, and stores the customer information and balance information stored in the customer information storage unit. To manage the latest balance information stored in a department. Based on the customer information and the balance information, the generation unit generates detailed information including information indicating the payee of the deposit and the amount of the deposit corresponding to the salary money balance of each customer. The payment request unit transmits a security deposit payment request including the detailed information generated by the generation unit to a bank entrusted with the security deposit payment operation to the customer. [Selection drawing] Fig. 2

Description

The present invention relates to an information processing device, an information processing method, and an information processing program.

In recent years, the government has begun to consider introducing a so-called "digital payment of salaries," which allows payment of salaries by means of digital money such as electronic money and virtual currency to fund transfer companies that operate fund transfer businesses. Related to this, technologies related to digital payment of salaries have also been proposed.

JP 2022-151873 A

However, in the above conventional technology, in the service related to the digital payment of salary, it is necessary to efficiently operate the mechanism for protecting users who use the digital payment of salary while responding to requests from the government side. There is room for improvement in

This application has been made in view of the above, and aims to improve the efficiency of a mechanism for protecting users who use digital salary payments while responding to requests from the administrative side in services related to digital salary payments. It is an object of the present invention to provide an information processing apparatus, an information processing method, and an information processing program that can be effectively operated.

An information processing apparatus according to the present application has a customer information information storage unit, a balance information storage unit, a management unit, a generation unit, and a payment request unit. The customer information storage unit stores customer information about customers. The balance information storage unit stores balance information regarding the salary money balance, which is the latest electronic money balance corresponding to the customer's salary. The management unit acquires customer information and balance information periodically provided by the fund transfer service provider that outsources work related to guaranteeing the salary money balance, and stores the customer information and balance information stored in the customer information storage unit. To manage the latest balance information stored in a department. Based on the customer information and the balance information, the generation unit generates detailed information including information indicating the payee of the deposit and the amount of the deposit corresponding to the salary money balance of each customer. The payment requesting unit transmits a security deposit payment request including the detailed information generated by the generating unit to a bank entrusted with the security deposit payment operation to the customer.

According to one aspect of the embodiment, in services related to digital payment of salaries, efficient operation of a mechanism for protecting users who use digital payment of salaries while responding to requests from the government side is attempted. It has the effect of being able to

FIG. 1 is a diagram illustrating an overview of information processing according to the embodiment. FIG. 2 is a diagram showing a configuration example of a guarantee company server device according to the embodiment. 3 is a diagram illustrating an example of customer information stored in a customer information storage unit according to the embodiment; FIG. FIG. 4 is a diagram illustrating an example of balance information stored in a balance information storage unit according to the embodiment; FIG. 5 is a flowchart showing an example of a processing procedure of a security deposit payment request process executed by the guarantee company server device according to the embodiment. FIG. 6 is a flow chart showing an example of a processing procedure of guarantee completion notification processing executed by the guarantee company server device according to the embodiment. FIG. 7 is a hardware configuration diagram showing an example of a computer that implements the functions of the guarantee company server device according to the embodiment or modification.

Embodiments for implementing an information processing apparatus, an information processing method, and an information processing program according to the present application (hereinafter referred to as "embodiments") will be described in detail below with reference to the drawings. Note that the information processing apparatus, information processing method, and information processing program according to the present application are not limited to this embodiment. Also, in each of the following embodiments, the same parts are denoted by the same reference numerals, and overlapping descriptions are omitted.

[1. embodiment]
Information processing realized by the information processing apparatus according to the embodiment will be described with reference to FIG. FIG. 1 is a diagram illustrating an overview of information processing according to the embodiment. Note that in FIG. 1, the information processing and the like according to the embodiment are realized by the guarantee company server device 100, which is an example of the information processing device according to the embodiment.

(1-1. System configuration)
First, a configuration example of an information processing system SYS according to an embodiment will be described with reference to FIG. The information processing system SYS according to the embodiment includes a first server device 10 operated and managed by a fund transfer service provider, a second server device 20 operated and managed by a bank, and a third server device operated and managed by a public institution. 30, and a guarantee company server device 100 operated and managed by the guarantee company.

The first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 shown in FIG. 1 are connected to, for example, a network N (see, for example, FIG. 2). The first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 can communicate with other devices through the network N with each other.

The first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 shown in FIG. 1 may be realized by a mainframe, a workstation, or the like. Further, when the first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 shown in FIG. 1 are realized by a server device, they may be realized by a single server device. , a cloud system in which a plurality of server devices and a plurality of storage devices operate cooperatively, or the like.

(1-2. Prerequisite contractual relationships, etc.)
A contract relationship and the like that are prerequisites for realizing information processing by the information processing system SYS shown in FIG. 1 will be described. The funds transfer service provider shown in FIG. 1 operates a business of providing users with electronic settlement services related to electronic settlement. As part of electronic payment services, funds transfer service providers also provide users with a service that enables them to receive their salaries in electronic money (hereinafter referred to as "salary receipt service").

In addition, in order for a fund transfer service provider to operate a business to provide a salary receiving service, it is necessary to respond to the salary of customers who are users of the salary receiving service in the event of bankruptcy (i.e., bankruptcy). It is necessary to develop a mechanism (hereinafter referred to as a "guarantee scheme") to guarantee the balance of electronic money (hereinafter referred to as "salary money balance"). In addition, the guarantee scheme that funds transfer service providers are required to develop must be realized through a third-party organization other than their own. In response to these requests, the funds transfer service provider selects a guarantee company to entrust the guarantee business for guaranteeing the salary money balance, and concludes a guarantee consignment contract with the selected guarantee company. In addition, the Funds Transfer Service Provider needs to conclude a guarantee contract between the selected guarantee company and the user of the salary receiving service. Act as an agent for concluding guarantee contracts with users. With the above, the contract for executing the guarantee scheme is completed.

In addition, the funds transfer service provider prepares in advance funds for guaranteeing the salary money balance managed by the fund transfer service provider in preparation for bankruptcy. A funds transfer provider may, for example, use an escrow trust, which is a trust with transaction security services, to set aside funds in trust property to secure payroll money balances. In this case, the funds transfer service provider designates the guarantee company as the beneficiary of the trust assets prepared in advance for guaranteeing the salary money balance in the guarantee consignment contract.

In addition, when the Funds Transfer Service Provider concludes a guarantee entrustment contract, the Guarantee Company will provide an amount equivalent to the deposit that the Funds Transfer Service Provider will need to deposit with a public institution (for example, the Legal Affairs Bureau or the Finance Bureau) in the event of bankruptcy of the Funds Transfer Service Provider. Conclude a performance security deposit preservation contract with a guarantee company in which a guarantee has been agreed in advance. By concluding a performance security deposit preservation contract with a guarantee company, the funds transfer service provider reserves the deposit of the deposit to the public institution for the effective period of the contract.

In addition, the guarantee company selects a bank to entrust the payment of security deposits to customers who are users of the salary receiving service, and concludes an outsourcing contract with the selected bank for the payment of security deposits. conclude.

(1-3. Overview of information processing for realizing the guarantee scheme)
An overview of information processing for realizing the guarantee scheme according to the embodiment will be described below with reference to FIG. In the following description, the funds transfer service provider and the first server device 10 may be regarded as the same. That is, in the following description, the fund transfer service provider can be read as the first server device 10 as well. Also, in the following description, the bank and the second server device 20 may be regarded as the same. That is, the bank can be read as the second server 20 . Also, in the following description, the public institution and the third server device 30 may be regarded as the same. That is, in the following description, the public institution can be read as the third server device 30 as well. Also, in the following description, the guarantee company and the guarantee company server device 100 may be regarded as the same. That is, in the following description, the guarantee company can also be read as the guarantee company server device 100 .

The guarantee company server device 100 acquires contract information related to the guarantee consignment contract concluded with the fund transfer service provider. The contract information acquired by the guarantee company server device 100 defines the right (beneficiary right) for becoming a beneficiary of the trust property of the escrow trust prepared in advance by the fund transfer service provider when the fund transfer service provider goes bankrupt.

Funds Transfer Service Providers should provide customer information about customers who use payroll services (e.g., employees of a company who are paid by their employers for their work) and up-to-date payroll money corresponding to their salaries. Balance information regarding the balance is periodically provided to the guarantee company server 100 . For example, the first server 10 periodically (for example, daily) uploads customer information and balance information to a data linkage file server (not shown) accessible by the guarantee company server device 100 . The guarantee company acquires customer information and balance information periodically provided by the fund transfer service provider and manages the customer information and balance information in the latest state. For example, the guarantee company server 100 accesses a file server (not shown) at a predetermined timing and acquires customer information and balance information stored in the file server. Then, the guarantee company server 100 updates the customer information and balance information that have been stored until then to the latest state based on the acquired customer information and balance information.

In addition, in the event of bankruptcy of the Funds Transfer Service Provider, customers who are users of the guarantee company and salary receiving service may send bankruptcy notices. For example, first server 10 transmits bankruptcy notification information for notifying bankruptcy of a fund transfer service provider to guarantee company server device 100 and terminal devices used by customers who are users of salary receiving services. may The bankruptcy notification information may also include information (for example, file ID) that can identify the file storing the latest balance information provided by the fund transfer service provider to the guarantee company.

The guarantor company submits a copy of the performance guarantee deposit preservation contract to the public institution in accordance with the performance guarantee deposit preservation contract concluded with the fund transfer service provider (step S11).

In addition, for example, in response to the bankruptcy of the funds transfer service provider, when the guarantee company receives an order for deposit from a public institution, the guarantee company raises funds from a predetermined bank by backfinancing (step S12) and fulfills the deposit ( step S13). The public institution manages the money deposited by the surety company.

In addition, the guarantee company exercises the beneficiary right based on the contract information related to the guarantee consignment contract, withdraws the trust property (step S21), and converts the withdrawn trust property into a security deposit for the customer (e.g., worker) who is the subject of the guarantee. be the source of

Also, based on the customer information and the balance information, the guarantee company server 100 generates detailed information including information indicating the payee of the deposit and the amount of the deposit corresponding to the salary money balance of each customer (step S22). That is, the guarantee company server device 100 identifies the amount of guarantee money corresponding to the latest salary money balance of each customer based on the balance information provided by the fund transfer service provider. Also, the guarantee company server device 100 acquires bank account information preset by each customer as a receiving account for receiving the security deposit based on the customer information provided by the fund transfer service provider. Then, the guarantee company server device 100 generates detailed information including the amount of each customer's security deposit, the transfer destination of each customer's security deposit, and the payment date, and sends the payment request including the generated detailed information to the second server 20. (step S23). The payment due date is set within a predetermined period (for example, within six business days) from bankruptcy of the fund transfer service provider. The predetermined period may be set in advance on the system of the guarantee company server 100, or may be input by an administrator of the guarantee company server 100 (for example, a person in charge of guarantee business). In addition, the guarantee company server device 100 remits funds corresponding to the total amount of the security deposit based on the specified amount of the security deposit of each customer to a predetermined bank account designated by the bank entrusted with the payment operation. When the guarantee company server 100 receives the bankruptcy notice information from the fund transfer service provider, the guarantee company server 100 downloads the corresponding file based on the information that can identify the file containing the latest balance information included in the bankruptcy notice information. You may refer and generate the above-mentioned detailed information.

When the bank receives the payment request from the guarantee company, the bank pays the security deposit according to the payment request (step S24). For example, the second server device 20 executes transfer processing for transferring the amount of the security deposit to the bank account corresponding to the transfer destination of the security deposit for each customer by the payment date. The bank notifies the guarantee company when the payment of the guarantee money is completed for all customers.

Also, when the guarantee company receives a notification of the completion of payment of the guarantee money from the bank, it cooperates with the funds transfer service provider to the effect that the payment of the guarantee money has been completed for all customers (step S25). For example, the guarantee company server 100 accesses a file server (not shown) and uploads a data file storing information regarding a guarantee completion notice for notifying that payment of the guarantee money has been completed. For example, the information related to the warranty completion notice stored in this data file includes information related to transactions in which the deposit has been successfully transferred, such as information for identifying the customer who receives the deposit (eg, customer ID, which will be described later), , bank account information indicating the transfer destination of the security deposit, information indicating the amount of the security deposit, information indicating the transfer date, and the like may be stored. In addition, the information on the warranty completion notification saved in this data file includes not only information on transactions in which the deposit has been successfully transferred, but also errors in the transfer of the deposit due to an error in the account number of the bank account to which the deposit is to be transferred. It may contain information indicating that it has become. In this case, the information on the guarantee completion notification includes information summarizing the total amount of the security deposit for which the payment of the security deposit has been completed and the total amount of the unpaid security deposit that has not been paid (guaranteed) due to a transfer error. good too. In addition, the information related to the guarantee completion notice shall be individually and concretely provided for both transactions for which the security deposit has not been paid, transactions for which the transfer of the security deposit has been completed normally, and transactions for which the security deposit has not been paid. may contain information specified in That is, as information on transactions in which the security deposit has not been paid, information for specifying the customer who receives the security deposit (for example, a customer ID described later), bank account information indicating the transfer destination of the security deposit, and the amount of the security deposit. Concrete information such as information indicating the transfer date and information indicating the transfer date may be included. The information on the guarantee completion notification that the guarantee company server 100 cooperates with the fund transfer service provider includes only information on the transaction in which the transfer of the security deposit has been completed normally according to the prior agreement with the fund transfer service provider. Alternatively, it may include both information on transactions for which the deposit was successfully completed and information on transactions for which the deposit was unsuccessful.

Also, the guarantor company makes a request for refund of the deposit money to the public institution at a predetermined timing by legal subrogation based on the guaranty contract (step S31). For example, the guarantee company server device 100 transmits to the third server device 30 a request for refund of the deposit deposited in step S13. In this case, the guaranty company server 100 generates a refund claim document in which predetermined necessary items are entered. Information managed by the guarantee company server 100, among the items to be entered in the refund request document generated by the guarantee company server 100, may be automatically input. In addition, the refund request may include information indicating the guarantor company that is the obligee, information indicating the amount of credit corresponding to the total amount of the security deposit paid by the guarantor company to the customer, and the like. The public institution refunds the deposit in response to the refund request from the guarantee company (step S32).

In addition, when the guarantee company is an insurance company, the guarantee company treats the fund transfer service provider as the insurer and the customer as the insured person, and is designed to pay a predetermined security deposit to the customer in the event of bankruptcy of the fund transfer service provider. A surety credit insurance may provide a guarantee process. In this case, the guarantee company may use the trust property as the source of the guaranteed credit insurance. Further, when the guarantee company covers the guarantee money with guarantee credit insurance, the guarantee company may execute the guarantee process on the condition that the claim for guarantee from each customer is accepted. In this case, each customer, who is a user of the salary receiving service, may request a guarantee from the guarantee company with which the guarantee contract has been concluded upon receiving the notice of bankruptcy from the fund transfer service provider. For example, each customer accesses the specified website of the guarantee company by operating the terminal device used by the customer, enters the required information on the specified website, and then submits the warranty claim through the specified website. may be

As described above, in the information processing system SYS according to the embodiment, the guarantee company server device 100 sends a payment request reflecting the latest payroll money balance corresponding to the customer who is the user of the payroll receiving service. It can be sent to the bank to which the business is entrusted. As a result, the guarantee company can guarantee the balance of salary money for customers who are users of the salary receiving service, and protect users who use digital payment of salary while responding to requests from the government. Efficient operation of the mechanism of

Also, the guarantee company server 100 may acquire information on the source of the security deposit from the funds transfer service provider. For example, the guarantee company server 100 may acquire balance information of a predetermined bank account when the source of the security deposit is accumulated in a predetermined bank account, or the source of the security deposit may be prepared in a trust property such as an escrow trust. If so, information on the latest amount under management of the trust property may be obtained. Then, based on the balance information and the information on the source of the security deposit, the guarantee company server 100 determines that if the total amount of the salary money balance to be guaranteed at the present time exceeds the source of the security deposit, the guarantee company server 100 manager (for example, the person in charge of guarantee business) that the funds for the security deposit are insufficient.

[2. Configuration of Guarantee Company Server Device]
The configuration of the guarantee company server device 100 according to the embodiment will be described below with reference to FIG. FIG. 2 is a diagram showing a configuration example of the guarantee company server device 100 according to the embodiment. As shown in FIG. 2 , the guarantee company server device 100 has a communication section 110 , a storage section 120 and a control section 130 .

(Regarding communication unit 110)
Communication unit 110 is implemented by, for example, a NIC (Network Interface Card). The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information to and from other devices such as the first server device 10, the second server device 20, and the third server device 30. .

(Regarding storage unit 120)
Storage unit 120 is implemented by, for example, a semiconductor memory device such as a RAM (Random Access Memory) or flash memory, or a storage device such as a hard disk or optical disk. As shown in FIG. 2 , storage unit 120 has customer information storage unit 121 and balance information storage unit 122 . Note that the storage unit 120 is not particularly limited to the case shown in FIG. 2. File information of the contract documents of the guarantee entrustment contract concluded with the funds transfer service provider, and file of the contract documents of the performance guarantee deposit maintenance contract. It may have other storage units such as a storage unit that stores information.

(Regarding the customer information storage unit 121)
The customer information storage unit 121 stores customer information regarding customers who are users of the payroll receiving service. FIG. 3 is a diagram showing an example of customer information stored in the customer information storage unit 121 according to the embodiment. As shown in FIG. 3, the customer information stored in the customer information storage unit 121 has an item of "customer ID" and an item of "customer information". These items of customer information are associated with each other.

In the "customer ID" item, a customer ID, which is unique identification information given to each user to uniquely identify the customer who is the user of the payroll receiving service, is stored. The customer ID may be a user ID, which is unique identification information given to each user to uniquely identify the user in the electronic payment service.

The item "customer information" stores various types of information set when a customer who is a user of the salary receiving service registers for use of the salary receiving service. The information stored in the "customer information" item includes information indicating the bank account set by the customer as the receiving account for receiving the security deposit equivalent to the salary money balance in the event of bankruptcy of the money transfer service provider. be

Customer information stored in the customer information storage unit 121 is obtained from the first server device 10 . The customer information stored in the customer information storage unit 121 is used, for example, in security deposit payment request processing executed by the control unit 130, which will be described later.

(Regarding balance information storage unit 122)
The balance information storage unit 122 stores information on the latest salary money balance corresponding to the customer who is the user of the salary receiving service. FIG. 4 is a diagram showing an example of balance information stored in the balance information storage unit 122 according to the embodiment. As shown in FIG. 4, the balance information stored in the balance information storage unit 122 has an item of "customer ID" and an item of "salary balance". These items of balance information are associated with each other.

In the "customer ID" item, a customer ID, which is unique identification information given to each user to uniquely identify the customer who is the user of the payroll receiving service, is stored. The customer ID may be a user ID, which is unique identification information given to each user to uniquely identify the user in the electronic payment service. The customer ID stored in the "customer ID" item is the same information as the customer ID stored in the "customer ID" item of the customer information stored in the customer information storage unit 121 described above.

The "salary balance" item stores information indicating the balance of salary money received in the form of electronic money by a customer, who is a user of the salary receiving service, using the salary receiving service.

The balance information stored in the balance information storage unit 122 is acquired from the first server device 10 . The balance information stored in the balance information storage unit 122 is used, for example, in security deposit payment request processing executed by the control unit 130, which will be described later.

(Regarding the control unit 130)
The control unit 130 is a controller, and various programs stored in a storage device inside the payment server 100 are executed by a CPU (Central Processing Unit) or MPU (Micro Processing Unit), for example, using the RAM as a work area. It is realized by being executed. Also, the control unit 130 can be implemented by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array).

As shown in FIG. 2, the control unit 130 has a management unit 131, a generation unit 132, and a payment request unit 133. These units realize or execute the information processing functions and actions described below. do. In addition, new functional units different from the units shown in FIG. 2 may be introduced into the control unit 130 according to expansion of various processes executed by the guarantee company server device 100 .

(Regarding the management unit 131)
The management unit 131 obtains customer information and balance information periodically provided by the fund transfer service provider that outsources work related to guaranteeing the salary money balance, and acquires the customer information and balance stored in the customer information storage unit 121 . The balance information stored in the information storage unit 122 is managed in the latest state. For example, the management unit 131 overwrites the customer information stored in the customer information storage unit 121 and the balance information stored in the balance information storage unit 122 with the acquired customer information and balance information. , may be updated to the latest state.

Also, the management unit 131 may acquire information about the source of the security deposit from the first server 10 via the communication unit 110, for example. Based on the balance information and the information on the source of the security deposit, the management unit 131 determines if the total amount of the salary money balance to be guaranteed at the present time exceeds the source of the security deposit. A notification to the effect that the funds for the security deposit are insufficient may be sent to the information processing terminal or the like to be used through the communication unit 110 . Note that the notification to the effect that the funds for the security deposit are insufficient may include information indicating the amount of the shortage.

(Regarding the generation unit 132)
Based on the customer information and the balance information, the generation unit 132 generates detailed information including information indicating the payee of the deposit and the amount of the deposit corresponding to the salary money balance of each customer. The generation unit 132 passes the generated detailed information to the payment request unit 133 .

(Regarding payment request unit 133)
The payment requesting unit 133 transmits, via the communication unit 110, a security deposit payment request including the detailed information generated by the generating unit 132 to the bank entrusted with the security deposit payment operation to the customer.

Further, when the payment requesting unit 133 receives a security deposit payment completion notice sent from the bank through the communication unit 110, the payment requesting unit 133 may communicate with the funds transfer service provider that the security deposit payment has been completed. For example, the payment requesting unit 133 accesses a file server (not shown) used for data linkage with the funds transfer service provider, and stores data related to a guarantee completion notice for notifying that the payment of the guarantee money has been completed. Upload files. For example, information about warranty completion notices stored in this data file includes information about transactions for which security deposits have been successfully transferred, such as information to identify the customer receiving the security deposit and bank details to which the security deposit should be transferred. Account information, information indicating the amount of security deposit, information indicating the transfer date, and the like may be stored. In addition, the information on the warranty completion notification saved in this data file includes not only information on transactions in which the deposit has been successfully transferred, but also errors in the transfer of the deposit due to an error in the account number of the bank account to which the deposit is to be transferred. It may contain information indicating that it has become. In this case, the information on the guarantee completion notification includes information summarizing the total amount of the security deposit for which the payment of the security deposit has been completed and the total amount of the security deposit for which the payment (guarantee) has not been completed due to a transfer error. may be included. In addition, the information related to the guarantee completion notice shall be individually and concretely provided for both transactions for which the security deposit has not been paid, transactions for which the transfer of the security deposit has been completed normally, and transactions for which the security deposit has not been paid. may contain information specified in That is, as information on transactions in which the security deposit has not been paid, information for specifying the customer who receives the security deposit (for example, a customer ID described later), bank account information indicating the transfer destination of the security deposit, and the amount of the security deposit. Concrete information such as information indicating the transfer date and information indicating the transfer date may be included. The information on the guarantee completion notification that the guarantee company server 100 cooperates with the fund transfer service provider includes only information on the transaction in which the transfer of the security deposit has been completed normally according to the prior agreement with the fund transfer service provider. Alternatively, it may include both information on transactions for which the deposit was successfully completed and information on transactions for which the deposit was unsuccessful.

[3. Processing procedure example]
(3-1. Deposit payment request processing)
An example of an information processing procedure performed in the information processing system according to the embodiment will be described below. First, with reference to FIG. 5, an example of the processing procedure of the security deposit payment request processing executed by the guarantee company server device 100 according to the embodiment will be described. FIG. 5 is a flow chart showing an example of a processing procedure of a security deposit payment request process executed by the guarantee company server device 100 according to the embodiment. The processing procedure shown in FIG. 5 is executed by the control unit 130 of the guarantee company server device 100. FIG. The control unit 130 repeatedly executes the processing procedure shown in FIG. 5 while the guarantee company server device 100 is in operation.

As shown in FIG. 5, based on the customer information and the balance information, the generation unit 132 generates detailed information including information indicating the payee of the deposit and the amount of the deposit corresponding to the salary money balance of each customer (step S101). The generation unit 132 passes the generated detailed information to the payment request unit 133 .

The payment requesting unit 133 transmits a security deposit payment request including the detailed information generated by the generating unit 132 to the bank entrusted with the security deposit payment operation for the customer (step S102). Terminate the procedure.

(3-2. Warranty Completion Notification Processing)
An example of the processing procedure of the guarantee completion notification process executed by the guarantee company server device 100 according to the embodiment will be described below with reference to FIG. FIG. 6 is a flow chart showing an example of a processing procedure of guarantee completion notification processing executed by the guarantee company server device 100 according to the embodiment. The processing procedure shown in FIG. 6 is executed by the control unit 130 of the guarantee company server device 100. FIG. The control unit 130 repeatedly executes the processing procedure shown in FIG. 6 while the guarantee company server device 100 is in operation.

As shown in FIG. 6, the payment requesting unit 133 determines whether or not the payment of the security deposit has been completed by the bank entrusted with the security deposit payment operation (step S201). For example, the payment requesting unit 133 determines whether or not the payment completion notice of the security deposit sent from the bank has been acquired through the communication unit 110 .

Further, when the payment requesting unit 133 determines that the payment of the security deposit has been completed by the bank entrusted with the security deposit payment operation (step S201; Yes), the payment requesting unit 133 notifies the funds transfer service provider that the payment of the security deposit has been completed. (step S202), and the processing procedure shown in FIG. 6 ends.

In step S201 described above, when the payment requesting unit 133 determines that the payment of the security deposit has not been completed by the bank entrusted with the security deposit payment operation (step S201; No), the processing procedure shown in FIG. finish.

[4. Modification]
In the above-described embodiment, the guarantee company server device 100 included in the information processing system SYS performs guarantee processing for guaranteeing the salary money balance in accordance with the guarantee consignment contract with the fund transfer service provider, and public An example of performing processing related to procedures required for an institution has been described. However, the configuration of the information processing system SYS according to the embodiment need not be particularly limited to such an example. The device and the server device that performs processing related to the procedures required for the public institution to guarantee the payroll balance may be physically different individual server devices, or they may be separate server devices. may be server devices belonging to different systems. In this case, each server apparatus cooperates with each other and is communicatively connected in a state in which information required for each process can be exchanged.

Further, among the processes described in the above embodiments, all or part of the processes described as being performed automatically can also be performed manually. All or part of the processing can also be performed automatically by known methods. In addition, information including processing procedures, specific names, various data and parameters shown in the above documents and drawings can be arbitrarily changed unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

Also, each component of each device illustrated is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution and integration of each device is not limited to the one shown in the figure, and all or part of them can be functionally or physically distributed and integrated in arbitrary units according to various loads and usage conditions. Can be integrated and configured.

Moreover, each of the embodiments described above can be appropriately combined within a range that does not contradict the processing contents.

[5. effect〕
As described above, the guarantee company server device 100 according to the embodiment has the customer information information storage unit 121, the balance information storage unit 122, the management unit 131, the generation unit 132, and the payment request unit 133. The customer information storage unit 121 stores customer information about customers. The balance information storage unit 122 stores balance information regarding the salary money balance, which is the latest electronic money balance corresponding to the customer's salary. The management unit 131 obtains customer information and balance information periodically provided by the fund transfer service provider that outsources work related to guaranteeing the salary money balance, and acquires the customer information and balance stored in the customer information storage unit 121 . The balance information stored in the information storage unit 122 is managed in the latest state. Based on the customer information and the balance information, the generation unit 132 generates detailed information including information indicating the payee of the deposit and the amount of the deposit corresponding to the salary money balance of each customer. The payment requesting unit 133 transmits a security deposit payment request including the detailed information generated by the generating unit 132 to the bank entrusted with the security deposit payment operation for the customer.

Further, when the payment requesting unit 133 receives a payment completion notice of the security deposit sent from the bank, the payment requesting unit 133 may communicate with the funds transfer service provider that the payment of the security deposit has been completed.

In addition, when the payment requesting unit 133 notifies the funds transfer service provider that the payment of the security deposit has been completed, the payment requesting unit 133 includes information for specifying the customer who receives the security deposit, information indicating the transfer destination of the security deposit, information indicating the amount of the security deposit, Information indicating the transfer date of the security deposit and information indicating success or failure of the transfer of the security deposit may be linked.

In addition, the management unit 132 acquires information about the source of the security deposit, and based on the balance information and the information about the source of the security deposit, if the balance information exceeds the source of the security deposit, the management unit 132 notifies the administrator of the amount of the security deposit. You may notify that the funds are insufficient.

As described above, according to the guarantee company server device 100 according to the embodiment, the client information and the balance information periodically provided by the funds transfer service provider, which is the outsourcer of the work related to guaranteeing the salary money balance, are obtained and updated. For example, in the event of bankruptcy of a fund transfer service provider, detailed information including information indicating the payee and amount of the security deposit corresponding to the salary money balance of each customer is generated based on the customer information and balance information. , a security deposit payment request including detailed information is sent to the bank entrusted with the security deposit payment operation for the customer. In this way, the guarantee company can guarantee the balance of salary money corresponding to the customer who uses the salary receiving service, and protect the users who use the digital payment of salary while responding to the request of the government side. Efficient operation of the mechanism for

[6. Hardware configuration]
Also, the guarantee company server device 100 according to the above-described embodiment or modification is implemented by, for example, a computer 1000 configured as shown in FIG. FIG. 7 is a hardware configuration diagram showing an example of a computer that implements the functions of the guarantee company server device 100 according to the embodiment or modification.

Computer 1000 has CPU 1100 , RAM 1200 , ROM 1300 , HDD 1400 , communication interface (I/F) 1500 , input/output interface (I/F) 1600 and media interface (I/F) 1700 .

The CPU 1100 operates based on programs stored in the ROM 1300 or HDD 1400 and controls each section. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, a program depending on the hardware of the computer 1000, and the like.

The HDD 1400 stores programs executed by the CPU 1100, data used by the programs, and the like. Communication interface 1500 receives data from other devices via communication network 500 (corresponding to network N in the embodiment) and sends it to CPU 1100, and also transmits data generated by CPU 1100 via communication network 500 to other devices. Send to device.

The CPU 1100 controls output devices such as displays and printers, and input devices such as keyboards and mice, through an input/output interface 1600 . CPU 1100 acquires data from an input device via input/output interface 1600 . Also, CPU 1100 outputs the generated data to an output device via input/output interface 1600 .

Media interface 1700 reads programs or data stored in recording medium 1800 and provides them to CPU 1100 via RAM 1200 . CPU 1100 loads such a program from recording medium 1800 onto RAM 1200 via media interface 1700, and executes the loaded program. The recording medium 1800 is, for example, an optical recording medium such as a DVD (Digital Versatile Disc) or a PD (Phase change rewritable disc), a magneto-optical recording medium such as an MO (Magneto-Optical disk), a tape medium, a magnetic recording medium, or a semiconductor memory. etc.

For example, when computer 1000 functions as guarantee company server device 100 according to the embodiment or modification, CPU 1100 of computer 1000 implements the functions of control unit 130 by executing a program loaded onto RAM 1200 . That is, CPU 1100 cooperates with a program (for example, an information processing program) loaded on RAM 1200 to realize processing by guarantee company server device 100 according to the embodiment or the modification. In addition, each data in the storage device of the guarantee company server device 100 is stored in the HDD 1400 . CPU 1100 of computer 1000 reads these programs from recording medium 1800 and executes them, but as another example, these programs may be obtained from another device via a predetermined communication network.

[7. others〕
As described above, some of the embodiments of the present application have been described in detail based on the drawings. It is possible to carry out the invention in other forms with modifications.

In addition, the configuration of the settlement server 100 described above can be flexibly changed, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing depending on the function.

In addition, the "unit" described in the claims can be read as "means", "circuit", or the like. For example, the controller can be read as control means or a control circuit.

SYS Information processing system 10 First server device 20 Second server device 30 Third server device 100 Guarantee company server 110 Communication unit 120 Storage unit 121 Customer information storage unit 122 Balance information storage unit 130 Control unit 131 Management unit 132 Generation unit 200 Payment request department

Claims (6)

a customer information storage unit that stores customer information about customers;
a balance information storage unit for storing balance information relating to the salary money balance, which is the latest electronic money balance corresponding to the customer's salary;
Acquiring the customer information and the balance information periodically provided by the funds transfer service provider that entrusted the work related to guaranteeing the salary money balance, and acquiring the customer information and the balance stored in the customer information storage unit a management unit that manages the latest balance information stored in the information storage unit;
a generation unit for generating detailed information including information indicating a deposit destination and an amount of the security deposit corresponding to the salary money balance for each customer, based on the customer information and the balance information;
and a payment request unit that transmits a security deposit payment request including the detailed information generated by the generating unit to a bank that is entrusted with the security deposit payment operation for the customer. . The payment request unit
2. The information processing apparatus according to claim 1, wherein, when a notification of completion of payment of said security deposit sent from said bank is acquired, said funds transfer service provider is informed that payment of said security deposit has been completed. The payment request unit
Information for specifying the customer who receives the security deposit, information indicating the transfer destination of the security money, information indicating the amount of the security money, when communicating with the funds transfer service provider that the payment of the security money has been completed 3. The information processing apparatus according to claim 2, wherein the information indicating the transfer date of the security deposit and the information indicating success or failure of the transfer of the security deposit are linked. The management department
Obtaining information on the source of said security deposit,
Based on the balance information and the information on the source of the security deposit, if the total amount of the salary money balance to be guaranteed at the present time exceeds the source of the security deposit, the manager is notified of the amount of the security deposit. 2. The information processing apparatus according to claim 1, wherein the information processing apparatus notifies that funds are insufficient. An information processing method performed by a computer, comprising:
Customer information about customers and balance information about salary money balances, which are the latest balances of electronic money corresponding to the customer's salary, are periodically obtained from the fund transfer service provider that outsources the work related to guaranteeing the said salary money balances. , a management step of managing the acquired customer information and the balance information in the latest state;
a generation step of generating detailed information including information indicating the payee of the security deposit corresponding to the salary money balance for each customer and the amount of the security deposit based on the customer information and the balance information;
and a payment request step of transmitting a security deposit payment request including the detailed information generated in the generating step to a bank entrusted with the security deposit payment operation for the customer. . to the computer,
Customer information about customers and balance information about salary money balances, which are the latest balances of electronic money corresponding to the customer's salary, are periodically obtained from the fund transfer service provider that outsources the work related to guaranteeing the said salary money balances. , a management procedure for managing the acquired customer information and the balance information in the latest state;
a generation procedure for generating detailed information including information indicating a payee of the security deposit corresponding to the salary money balance for each customer and the amount of the security deposit based on the customer information and the balance information;
and a payment request procedure for transmitting a security deposit payment request including the detailed information generated by the generating procedure to a bank that is a consignee of the security deposit payment operation for the customer. program.

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