JP7360424B2 - Information processing system, method, and program - Google Patents

Description

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

When an application for digital money payment of salary (or application for advance payment of salary, etc.) is received from a worker, all or part of the salary will be transferred to the worker's digital money (electronic money card) based on the worker's attendance report. A salary system (salary advance payment system) is disclosed (Patent Document 1).

JP 2019-79307 Publication

In the system described in Patent Document 1, when an application for digital money payment of salary is received from a worker, all or part of the salary is deposited into the worker's digital money, thereby making the digital money payment of salary to the worker possible. has been realized. However, in the system described in Patent Document 1, if a company uses a combination of banks and funds transfer companies as salary transfer destinations, a system design that is compatible with the account formats of each bank and funds transfer company is required, which increases system development costs. The problem was that it was growing.

SUMMARY OF THE INVENTION In view of the above-mentioned problems, it is an object of the present invention to realize remittance from a predetermined organization to a user's fund transfer agent account using a simple system configuration.

The information processing system according to one aspect of the present invention includes a first process for identifying a fund transfer service provider's account in a user in response to a request to issue an account in a format related to a bank account corresponding to the fund transfer service provider's account. an account-related unit that associates a second identification code in a format related to the bank account with the identification code; a transaction processing unit that causes a remittance from the predetermined organization to an account of the funds transfer agent corresponding to the first identification code of the user by specifying the first identification code based on the identification code; Be prepared.

A method according to an aspect of the present invention includes a method for identifying a fund transfer service provider's account in a user in response to a request to cause a computer to issue an account in a format related to a bank account corresponding to the fund transfer service provider's account. 1 identification code is associated with a second identification code configured in a format related to the bank account; and if predetermined conditions regarding remittance are met, the second identification code of the user is registered with the predetermined organization. By specifying the first identification code based on the code, remittance is executed from the predetermined organization to the account of the funds transfer agent corresponding to the first identification code of the user.

A program according to one aspect of the present invention includes, in response to a request for causing a computer to issue an account in a format related to a bank account corresponding to an account of the funds transfer agent, a program for identifying the account of the funds transfer agent in the user. 1 identification code is associated with a second identification code configured in a format related to the bank account; and if predetermined conditions regarding remittance are met, the second identification code of the user is registered with the predetermined organization. By specifying the first identification code based on the code, remittance from the predetermined organization to the account of the funds transfer agent corresponding to the first identification code of the user is executed.

According to the present invention, remittance from a predetermined organization to a user's funds transfer agent account can be realized with a simple system configuration.

1 is a diagram showing the configuration of a remittance system. FIG. 2 is a diagram illustrating an example of an overview of processing of a remittance system. It is a diagram showing the structure of account conversion information. It is a diagram showing the structure of salary transfer request information. FIG. 3 is a diagram showing the structure of format conversion information. It is a diagram showing the structure of transfer account information. It is a diagram showing the structure of account management information. It is a flow diagram showing the processing procedure of the remittance system. 1 is a diagram showing an example of a hardware configuration of a computer.

EMBODIMENT OF THE INVENTION Below, the remittance system 10 in one embodiment of this invention is demonstrated in detail with reference to drawings. However, the embodiments described below are merely examples, and there is no intention to exclude the application of various modifications and techniques not specified below. That is, the present invention can be implemented by various modifications or combinations of the embodiments without departing from the spirit thereof. In addition, in the description of the drawings below, the same or similar parts are denoted by the same or similar symbols.

===Overview of remittance system 10===
＜＜Configuration＞＞
The configuration of the remittance system 10 will be described with reference to FIG. 1. FIG. 1 is a diagram showing the configuration of a remittance system 10. The remittance system 10 is a system that executes remittance from a predetermined organization to a user's funds transfer agent account. The predetermined organization is, for example, a company, a government agency, or the like. The user is, for example, a company worker, a pensioner, an insurance benefit recipient, or the like. A funds transfer company is, for example, a business other than a bank that performs remittances, payments, etc., and is licensed based on the Funds Settlement Act. Remittance includes, for example, bank transfer, postal money order, foreign exchange, etc., and refers to the movement of money by means other than handing over cash. Specifically, remittances include salary transfers, remuneration payments, retirement allowance payments, expense payments, insurance claims/dividend payments, loans, honoraria, benefit payments, and refunds from organizations. , pension benefits, etc. For convenience, in the following, as an example, the "prescribed organization" will be referred to as a "company", the "user" will be referred to as a "worker" of the company, and the "remittance" will be transferred by the company to the worker's fund transfer provider's account. This is explained as a "salary transfer".

An overview of the configuration of the remittance system 10 will be described with reference to FIG. 1. FIG. 1 is a diagram showing an example of the configuration of a remittance system 10. As shown in FIG. 1, the remittance system 10 may include, for example, a remittance management server 100, a salary management server 200, a funds transfer agent server 300, and a worker terminal 400. The remittance management server 100, the salary management server 200, the funds transfer agent server 300, and the worker terminal 400 may each transmit and receive various information through API (Application Programming Interface) cooperation, for example.

The remittance management server 100 is a device that manages the identification code of a worker's fund transfer agent account (hereinafter referred to as a "funds transfer account") in association with an identification code configured in the form of a bank account. The identification code of the funds transfer account is, for example, an identification code that includes an account number in a format different from that of a bank account (hereinafter referred to as "funds transfer account number"). The bank account format is, for example, a format compatible with the Zengin format. The Zengin format is, for example, a format established by the Japanese Federation of Bankers Associations for data transmission using the Japan Bankers Association standard communication protocol. Hereinafter, for convenience, the identification code configured in the Zengin format will be referred to as the "payroll account number." The payroll account number includes, for example, an identification code such as a bank number, fulcrum number, or account number (for example, 1234-567-8901234). The remittance management server 100 manages fund transfer account numbers in association with payroll account numbers. That is, the remittance management server 100 can convert a funds transfer account number to a payroll account number. This allows workers to uniformly register account numbers that conform to the Zengin format in the salary management server 200, so that the salary management server 200 can be realized with a simple system configuration. Further, the remittance management server 100 converts the Zengin format, which is transmitted from the salary management server 200 and includes information regarding salary transfers to workers, into the format of the funds transfer agent. Thereby, the company can standardize the format for salary transfer output from the salary management server 200 for salary transfer, and therefore the salary management server 200 can be realized with a simple system configuration.

The salary management server 200 is a device that manages information regarding salary transfers from companies to workers (hereinafter referred to as "salary transfer information"). Salary transfer information may include information regarding the worker's account and information regarding the amount of salary. The salary transfer information is, for example, information in a format compatible with the Zengin format.

The funds transfer agent server 300 is a device that manages funds transfer accounts of users (in this case, workers). The funds transfer agent server 300 executes the process of transferring the worker's salary to the funds transfer account (hereinafter referred to as "transfer process") in response to a request from the remittance management server 100.

The worker terminal 400 receives, for example, a worker's operation input and registers salary transfer information in the salary management server 200 through a browser. For example, the worker terminal 400 receives an operation input from the worker and requests the remittance management server 100 to issue a payroll account number through the funds transfer agent server 300.

Note that although the remittance management server 100, salary management server 200, and funds transfer agent server 300 are described as being provided separately in the above, the present invention is not limited thereto. The remittance management server 100, the salary management server 200, and the funds transfer agent server 300 may be configured as one server or may be a cloud server. Further, the remittance management server 100, the salary management server 200, and the funds transfer agent server 300 may be composed of a plurality of servers divided by function. Furthermore, some of the functions of the remittance management server 100 may be provided in the salary management server 200 or the funds transfer agent server 300. Furthermore, some functions of the salary management server 200 may be provided in the remittance management server 100 or the funds transfer agent server 300.

<<Processing>>
Next, an overview of the processing of the remittance system 10 will be explained with reference to FIG. 2. FIG. 2 is a diagram illustrating an example of an overview of processing of the remittance system 10. First, in step S1, the worker terminal 400 receives an operation input from the worker and requests the remittance management server 100 to issue a payroll account number (hereinafter referred to as a "payroll account issue request") through the funds transfer agent server 300. Send. The payroll account issuance request may include a request to the funds transfer agent server 300 to inquire about the worker's funds transfer account number. Note that the worker terminal 400 may directly send a payroll account issuance request to the remittance management server 100. Further, the salary management server 200 may transmit a request for issuing a payroll account to the remittance management server 100 in order to issue a payroll account to the worker.

Next, in step S2, the funds transfer agent server 300 transmits the worker's funds transfer account number to the remittance management server 100, along with information regarding the worker (hereinafter referred to as "worker information"). The remittance management server 100 stores the worker's funds transfer account number in association with the payroll account number newly given to the worker. Next, in step S3, the remittance management server 100 transmits the payroll account number to the worker terminal 400 via the funds transfer agent server 300. Note that the remittance management server 100 may directly transmit the payroll account number to the worker terminal 400. This allows the worker to obtain a Zengin format-compliant payroll account number that corresponds to his or her funds transfer account number.

Next, in step S4, the worker terminal 400 receives the worker's operation input and registers a payroll account as a salary transfer account in the salary management server 200 through the browser, for example. Register a payroll account. Next, in step S5, the salary management server 200 transmits a salary transfer request (hereinafter referred to as "salary transfer request") to the remittance management server 100 so that the company can transfer the salary to the worker's fund transfer account. . Note that a person in charge of the company may refer to data related to salary transfer output from the salary management server 200 and issue a salary transfer request to the remittance management server 100. The salary transfer request may include, for example, salary transfer information. Next, the remittance management server 100 identifies the funds transfer agent included in the salary transfer information that conforms to the Zengin format, and converts the Zengin format into the salary transfer format (hereinafter referred to as "funds transfer information") corresponding to the funds transfer agent. It may be converted to a "trade format"). Next, in step S6, the remittance management server 100 transmits the funds transfer agent format corresponding to the funds transfer agent to the funds transfer agent server 300. Next, in step S7, the funds transfer agent server 300 sends information regarding the salary transfer invoice (hereinafter referred to as "invoice information") based on the result of confirming the validity of the funds transfer account, for example. It is sent to the remittance management server 100. Next, in step S8, remittance management server 100 transmits bill information to salary management server 200. In step S9, the company deposits the invoice amount into a predetermined account of the funds transfer service provider based on the invoice information. Next, in step S10, the funds transfer agent server 300 transmits information regarding the result of depositing the billed amount (hereinafter referred to as "deposit result information") to the remittance management server 100. In step S11, the remittance management server 100 transmits information regarding the receipt of deposit (hereinafter referred to as "receipt information") to the salary management server 200. As a result, in step S12, the remittance management server 100 requests the funds transfer agent server 300 to transfer the salary to the worker's funds transfer account. In step S13, the funds transfer agent server 300 notifies the remittance management server 100 and the worker terminal 400 of information indicating that the salary transfer has been completed (hereinafter referred to as "salary transfer result notification"). In step S14, the remittance management server 100 transmits a salary transfer result notification to the salary management server 200. Note that the broken line arrows in FIG. 2 indicate the actual flow of money.

In this way, the remittance system 10 gives the worker a payroll account number obtained by converting the funds transfer account number. Thereby, the remittance system 10 can significantly reduce the need for modifications to the salary management server 200 and the funds transfer agent server 300 in order for workers to receive salary transfers to their funds transfer accounts. Specifically, the remittance system 10 uniformly converts funds transfer account numbers into the Zengin format account number system. Thereby, the salary management server 200 does not require a design that changes the data format for each funds transfer agent server 300. Furthermore, when the remittance system 10 receives a request for salary transfer from a company to a worker, it converts the Zengin format sent from the salary management server 200 into a format compatible with each funds transfer provider. As a result, the payroll management server 200 can perform salary transfers in a unified manner using the Zengin format, and the funds transfer service provider server 300 can use its own data format, allowing companies and funds transfer service providers to make system improvements. does not require That is, the remittance system 10 can reduce the cost of repairing the salary management server 200 and the funds transfer agent server 300. In addition, the remittance system 10 can increase the chances of workers receiving their salaries through funds transfer accounts, so it can provide workers with various ways to receive their salaries. Further, the remittance system 10 can lower the barrier for funds transfer agents to connect with companies for salary transfer, and can increase the number of companies that funds transfer agents can connect with. That is, the remittance system 10 can revitalize the economy by allowing companies to transfer salaries to workers using fund transfer accounts.

===Configuration of remittance management server 100===
Returning to FIG. 1, the configuration of remittance management server 100 will be explained. As shown in FIG. 1, the remittance management server 100 includes, for example, a storage section 110, an account related section 120, a format conversion section 130, a confirmation request section 140, an amount comparison section 150, and a transaction processing section 160. Contains functional parts. Each functional unit is, for example, a function realized by the processor 1001 reading a program stored in the memory 1002.

The storage unit 110 stores account conversion information D111, salary transfer request information D112, and format conversion information D113. With reference to FIG. 3, account conversion information D111 will be explained. FIG. 3 is a diagram showing the structure of account conversion information D111. As shown in FIG. 3, the account conversion information D111 may include, for example, items such as [user ID], [company ID], [funds transfer account], and [payroll account]. [User ID] stores a user ID that can uniquely identify a worker who is a user. [Company ID] stores a company ID that can uniquely identify the company to which the user belongs. [Funds Transfer Account] stores the funds transfer account number corresponding to the user ID. [Payroll account] stores the fund transfer account number corresponding to the user ID. That is, the account conversion information D111 has the role of a conversion table for converting a funds transfer account into a payroll account.

Next, with reference to FIG. 4, the salary transfer request information D112 will be explained. FIG. 4 is a diagram showing the structure of salary transfer request information D112. As shown in FIG. 4, the salary transfer request information D112 includes items such as [company ID], [user ID], [payroll account], [funds transfer account], [funds transfer company ID], and [transfer amount]. May contain. [Company ID], [User ID], [Payroll account], and [Funds transfer account] are the same as [Company ID], [User ID], [Payroll account], and [Funds transfer account] in account conversion information D111. Therefore, the explanation will be omitted. [Funds Transfer Agent ID] stores a funds transfer agent ID that can uniquely identify the funds transfer agent. [Transfer amount] stores the amount of salary to be transferred from the company with the company ID to the worker with the user ID. The remittance management server 100 can identify the amount to be billed to the company by referring to the salary transfer request information D112.

Next, the format conversion information D113 will be explained with reference to FIG. FIG. 5 is a diagram showing the structure of the format conversion information D113. As shown in FIG. 5, the format conversion information D113 may include, for example, items such as [Funds Transfer Agent ID] and [Format]. [Funds Transfer Agent ID] stores a funds transfer agent ID that can uniquely identify the funds transfer agent. [Format] stores the format used for transfer by the funds transfer agent corresponding to the funds transfer agent ID. That is, the format conversion information D113 has the role of a conversion table that converts the Zengin format into a format for each funds transfer service provider.

The account related unit 120 associates the worker's funds transfer account number with a payroll account number that conforms to the bank account format (here, the Zengin format) and stores it in the account conversion information D111. The account related unit 120 refers to the account conversion information D111 and grants a payroll account to the worker. Specifically, when receiving a payroll account issuance request from the worker terminal 400, the account related unit 120 acquires the worker's funds transfer account number from the funds transfer agent server 300. The account related unit 120 associates the payroll account number with the funds transfer account number and stores it in the account conversion information D111. The account related unit 120 transmits the payroll account number to the worker terminal 400. This allows workers to obtain a payroll account number through a simple procedure for requesting a payroll account.

The format conversion unit 130 converts the Zengin format including the payroll account number, which is sent from the salary management server 200, into the format of the funds transfer agent including the funds transfer account number. Specifically, the format conversion unit 130 refers to the format conversion information D113 and identifies the format of the funds transfer agent based on the funds transfer agent ID included in the salary transfer request. The format conversion unit 130 can convert the Zengin format sent from the salary management server 200 into the format of the specified funds transfer agent and send it to the funds transfer agent server 300. As a result, the remittance system 10 does not require the salary management server 200 to make a transfer request in a salary transfer format corresponding to each fund transfer provider, and therefore the salary management server 200 can be realized with a simple system configuration.

For example, when a request for salary transfer is received from a company after a funds transfer account number and a payroll account number are associated with each other, the confirmation requesting unit 140 requests the funds transfer provider to transfer funds to the funds transfer account corresponding to the payroll account number. A confirmation request (hereinafter referred to as "account confirmation request") is sent to confirm whether or not the account is valid. Specifically, when the confirmation requesting unit 140 receives a salary transfer request from the salary management server 200 (for example, information including a payroll account "1234-567-8901234" and a salary transfer of "200,000 yen"), the confirmation requesting unit 140 transfers the payroll account " 1234-567-8901234” is identified as the funds transfer account “A”. The confirmation request unit 140 transmits an account confirmation request to the funds transfer agent server 300 to request confirmation of whether the funds transfer account “A” is valid. As a result, the remittance system 10 can execute the salary transfer process after confirming whether the worker's fund transfer account is available for use or not, and thus can realize a smooth transfer process.

For example, before executing a salary transfer, the amount comparison unit 150 compares the remittance amount that a company has remitted to the company's fund transfer account and the billed amount that corresponds to the transfer amount from the company to the worker. Specifically, the amount comparison unit 150 acquires information regarding the remittance amount remitted by the company to the company's fund transfer account from the funds transfer agent server 300. The amount comparison unit 150 refers to the salary transfer request information D112 and obtains bill information regarding the amount billed to the company, which is the total amount transferred from the company to the worker. The amount comparison unit 150 compares the remittance amount remitted from the company and the billed amount. If the remittance amount and the invoice amount match as a result of the comparison, the amount comparison unit 150 sends information about the receipt (hereinafter referred to as “receipt information”) indicating that the preparation for the transfer has been finalized to the salary management server 200. Send to. This makes it possible to confirm whether or not the company is processing salary transfers appropriately, thereby suppressing inappropriate remittance processing.

If predetermined conditions regarding remittance are met, the transaction processing unit 160 requests the funds transfer agent server 300 to transfer funds based on the funds transfer account number corresponding to the payroll account number included in the funds transfer agent's format. Have the company transfer the employee's salary to the bank account. Specifically, if the confirmation requesting unit 140 confirms that the funds transfer account is valid, the transaction processing unit 160 causes the worker to transfer the salary. Thereby, the remittance system 10 can realize smooth salary transfer processing. Furthermore, when the amount comparison section 150 confirms that the remittance amount and the billed amount match, the transaction processing section 160 may cause the worker to transfer the salary to the worker. Thereby, the remittance system 10 can suppress inappropriate remittance processing. In this case, the transaction processing unit 160 may notify the worker of information indicating that the company has transferred money to the fund transfer account. This improves convenience for workers. On the other hand, if the transaction processing unit 160 confirms that the remittance amount and the invoice amount do not match in the amount comparison unit 150 (for example, when the remittance amount is lower than the invoice amount), the remittance management server 100 The management server 200 may be notified of the shortfall in the remittance amount relative to the billed amount. This allows companies to respond quickly.

<<Modified example>>
A modification of the remittance management server 100 will be described. Above, we explained the process of transferring the salary to the worker after confirming that the company has remitted the invoice amount. The remittance management server 100 according to the modified example executes a process in which a company remits a certain amount of money to a funds transfer account in advance to remit a salary to a worker. Hereinafter, for convenience, the money that a company remits to a funds transfer account in advance will be referred to as a "deposit". The remittance management server 100 according to the modified example further includes a functional unit of a deposit determining unit 170, for example.

The deposit determining unit 170 determines whether the deposit transferred from the company to the company's fund transfer account satisfies a predetermined amount. Specifically, when the deposit determination unit 170 receives a salary transfer request when a company transfers a salary to a worker, it requests the funds transfer agent server 300 to inquire about the balance of the deposit. The deposit determining unit 170 determines whether the balance of the deposit satisfies a predetermined amount. The predetermined amount may be, for example, a preset amount (hereinafter referred to as "set amount"), or it may be the amount billed to the company, which is the total amount of salary transfers from the company to multiple workers. good. As a result, the remittance system 10 enables the funds transfer agent to transfer the salary in a state where it can be executed, thereby realizing smooth salary transfer.

In this case, if the deposit determination unit 170 determines that the deposit that has been transferred to the company's funds transfer account is larger than (or "more than") the set amount or billed amount, the transaction processing unit 160 will A request is made to the moving company server 300 to transfer the salary to the worker. As a result, the remittance system 10 enables the funds transfer agent to transfer the salary in a state where the transfer can be executed, thereby realizing smooth salary transfer.

Furthermore, if the deposit determination unit 170 determines that the deposit that has been transferred to the company's funds transfer account is smaller than (or "less than") the set amount or billed amount, the transaction processing unit 160 at least performs the following: A request is made to the company to remit the difference between the set amount and the deposit in the funds transfer account. As a result, the remittance system 10 can replenish the company's deposit and make the remittance possible when the funds transfer company is in a state where it is not possible to perform the salary remittance, thereby realizing smooth remittance processing.

Further, the deposit determining unit 170 may determine whether the remaining amount of the deposit satisfies the set amount after the company transfers the salary to the worker. Specifically, for example, when the deposit determination unit 170 obtains the salary transfer result, it compares the remaining amount of the deposit, which is obtained by subtracting the amount of salary transferred from the deposit before salary transfer, with the set amount. In this case, if the deposit determining unit 170 determines that the remaining amount of the deposit is smaller than the set amount, the transaction processing unit 160 at least informs the company of the difference between the set amount and the remaining amount of the deposit. Execute remittance request. As a result, the remittance system 10 enables the funds transfer agent to perform the procedure for remittance of salary while maintaining the state in which the remittance can be executed, thereby realizing smooth remittance processing.

===Configuration of salary management server 200===
Returning to FIG. 1, the configuration of the salary management server 200 will be explained. As shown in FIG. 1, the salary management server 200 includes functional units such as a storage unit 210, an account management unit 220, a transfer request unit 230, and an account confirmation unit 240, for example. Each functional unit is, for example, a function realized by the processor 1001 reading a program stored in the memory 1002.

The storage unit 210 stores transfer account information D211. Referring to FIG. 6, the transfer account information D211 will be explained. FIG. 6 is a diagram showing the structure of the transfer account information D211. As shown in FIG. 6, the transfer account information D211 may include, for example, items such as [user ID], [first transfer account], and [second transfer account]. [User ID] stores a user ID that can uniquely identify a worker who is a user. [First transfer account] stores a transfer account number corresponding to the user ID. [Second transfer account] stores a transfer account number corresponding to the user ID. In the transfer account information D211, for example, a payroll account number is stored in the item of at least one of the first to nth transfer accounts. That is, the remittance system 10 can handle the payroll account number in the same way as a bank account number. As a result, the salary management server 200 can transfer the salary to the worker's fund transfer account with almost no system modification required.

When the account management unit 220 receives information related to the registration operation of a salary transfer account (for example, a bank account, payroll account) by a worker through the worker terminal 400, the account management unit 220 registers information regarding the account in the transfer account information D211. . The transfer request unit 230 transmits a salary transfer request to the remittance management server 100 based on an operation input by a person in charge of the company or the passage of a predetermined date and time. The account confirmation unit 240 confirms the validity of the account based on information regarding the result indicating whether or not the worker's account is valid (hereinafter referred to as "judgment result information") sent from the remittance management server 100. .

===Configuration of funds transfer agent server 300===
Returning to FIG. 1, the configuration of the funds transfer agent server 300 will be explained. As shown in FIG. 1, the funds transfer agent server 300 includes functional units such as a storage unit 310, an account management unit 320, and a transfer execution unit 330, for example. Each functional unit is, for example, a function realized by the processor 1001 reading a program stored in the memory 1002.

The storage unit 310 stores account management information D311. With reference to FIG. 7, account management information D311 will be explained. FIG. 7 is a diagram showing the structure of account management information D311. As shown in FIG. 7, the account management information D311 may include, for example, items such as [funds transfer account], [name], [company ID], [balance], and [history]. [Funds Transfer Account] stores the funds transfer account number corresponding to the user ID. [Name] stores the user's name. [Company ID] stores a company ID that can uniquely identify the company to which the user belongs. [Balance] stores the balance of the funds transfer account. [History] stores the history of deposits and withdrawals in the funds transfer account.

When the account management unit 320 receives a request to register a funds transfer account (account opening request) from the worker terminal 400, it registers the fund transfer account in association with the worker in the account management information D311. Further, the account management unit 320 relays various information between the worker terminal 400 and the remittance management server 100, for example. Specifically, when the account management unit 320 obtains a payroll account issuance request from the worker terminal 400, it transmits the worker's worker information and funds transfer account number to the remittance management server 100. Then, when the account management unit 320 acquires the payroll account number associated with the worker from the remittance management server 100, it transmits the payroll account number to the worker terminal 400. Further, when receiving an account confirmation request from the remittance management server 100, the account management unit 320 confirms whether the worker's funds transfer account is valid. Specifically, the account management unit 320, for example, refers to the account management information D311 and determines whether the worker's fund transfer account number is registered or not, and the owner of the fund transfer account number, based on the worker information. Check whether the worker is the worker in question and whether there have been any past troubles regarding the fund transfer account. The account management unit 320 transmits information regarding the result of checking whether the worker's funds transfer account is valid (hereinafter referred to as “account verification result information”) to the remittance management server 100. This allows companies to safely and securely transfer salaries to workers using funds transfer accounts. When the transfer execution unit 330 receives a salary transfer request from the remittance management server 100, it transfers the salary to the worker's fund transfer account. The transfer execution unit 330 stores information regarding salary transfer in the account management information D311.

===Configuration of worker terminal 400===
Returning to FIG. 1, the configuration of worker terminal 400 will be described. The worker terminal 400 registers various information in the salary management server 200 in response to an operation input by the worker, for example, and transmits it to the funds transfer agent server 300. Further, the worker terminal 400 causes the display unit to display various information acquired from various servers. As shown in FIG. 1, the worker terminal 400 includes functional units such as a storage unit 410, an acquisition unit 420, a display processing unit 430, and a transmission unit 440, for example. Each functional unit is, for example, a function realized by a processor reading a program stored in a memory. Storage unit 410 stores various information. The acquisition unit 420 acquires various information from various servers. The display processing unit 430 causes the display unit to display various types of acquired information. The transmitter 440 transmits various types of information to various servers (for example, the funds transfer agent server 300).

===Processing procedure of remittance system 10===
The processing procedure of the remittance system 10 will be explained with reference to FIG. FIG. 8 is a flow diagram showing the processing procedure of the remittance system 10. FIG. 8 shows the processing procedure of the remittance system 10 from when a worker is given a payroll account to when the company completes salary transfer to the worker's fund transfer account.

First, the processing procedure for assigning a payroll account to a worker will be explained. In step S100, the worker terminal 400 receives an operation input from the worker and transmits a payroll account issuance request to the funds transfer agent server 300. The payroll account issuance request includes, for example, worker information. In step S101, the funds transfer agent server 300 refers to the account management information D311 to identify the funds transfer account number corresponding to the worker. The funds transfer agent server 300 transmits the worker's funds transfer account number to the remittance management server 100. In step S102, the remittance management server 100 associates the payroll account number with the funds transfer account number and stores it in the account conversion information D111. The remittance management server 100 transmits the payroll account number to the funds transfer agent server 300. In step S104, the funds transfer agent server 300 transmits the payroll account number to the worker terminal 400. In step S105, the worker terminal 400 registers the payroll account number in the salary management server 200 as an account for salary transfer, for example through the browser. The salary management server 200 associates the worker ID with the payroll account number and stores it in the transfer account information D211. This allows companies to use payroll accounts to transfer salaries to workers.

Next, a processing procedure for transferring a salary from a company to a worker's fund transfer account will be explained. In step S200, the salary management server 200 transmits a salary transfer request including salary transfer information that conforms to the Zengin format to the remittance management server 100 in order to transfer the salary to the worker's fund transfer account. In step S201, the remittance management server 100 identifies the funds transfer agent included in the salary transfer request, refers to the format conversion information D113, and converts the Zengin format into the funds transfer agent format corresponding to the identified funds transfer agent. Convert to As a result, the remittance system 10 does not require a design in which the data format is changed for each funds transfer agent server 300 in the salary management server 200, so that the remittance system 10 can realize salary transfer to the funds transfer agent with a simple system configuration. In step S202, the remittance management server 100 transmits an account confirmation request to the funds transfer agent server 300 of the specified funds transfer agent in order to confirm the validity of the worker's funds transfer account. In step S203, the funds transfer agent server 300 transmits the account confirmation result to the remittance management server 100. In step S204, the remittance management server 100 determines the validity of the account based on the account confirmation result. In step S205, the remittance management server 100 transmits the determination result information to the salary management server 200. In step S206, the salary management server 200 determines whether the worker's funds transfer account is valid based on the determination result information. If it is determined that it is not valid (step S205: NO), the salary management server 200 may transmit the determination result information to the worker terminal 400 so that the determination result is displayed on the worker terminal 400. In step S206, worker terminal 400 displays the determination result. Judgment results include, for example, a notice that the worker's funds transfer account does not exist, a notice that the fund transfer account is no longer available, and a notice regarding the reason why the fund transfer account is no longer available. may be included. This allows workers to quickly access funds transfer accounts, allowing for smooth salary transfers. If it is determined that the worker's funds transfer account is valid (step S205: YES), then in step S207, the salary management server 200 transmits a confirmation result indicating that the worker's funds transfer account is valid to the remittance management server 100. In step S208, the remittance management server 100 compares the remittance amount that the company remitted to the company's fund transfer account and the billed amount corresponding to the remittance amount from the company to the worker. If the remittance amount and the billed amount do not match (step S209: NO), the remittance management server 100 transmits information indicating the insufficient amount to the salary management server 200. In step S210, the salary management server 200 executes processing to remit the insufficient amount to the funds transfer account. This makes it possible to prepare for executing salary transfer processing, thereby realizing smooth salary transfer. In step S211, the remittance management server 100 transmits a salary transfer request including salary transfer information that conforms to the funds transfer agent format to the funds transfer agent server 300 in order to execute the salary transfer. In step S212, the funds transfer agent server 300 transfers the salary to the worker's fund transfer account and notifies the worker terminal 400 of the result of the salary transfer. In step S213, the worker terminal 400 displays the salary transfer result on the display unit. This allows workers to know in real time that their salary transfer has been completed, improving convenience for workers.

===Hardware configuration===
An example of a hardware configuration when the remittance management server 100, salary management server 200, and funds transfer agent server 300 are implemented by the computer 1000 will be described with reference to FIG. 9. Note that the functions of each device can also be realized by dividing into a plurality of devices.

FIG. 9 is a diagram showing an example of the hardware configuration of a computer. As shown in FIG. 9, the computer 1000 includes a processor 1001, a memory 1002, a storage device 1003, an input I/F section 1004, a data I/F section 1005, a communication I/F section 1006, and a display device. Contains 1007.

Processor 1001 is a control unit that controls various processes in computer 1000 by executing programs stored in memory 1002.

The memory 1002 is, for example, a storage medium such as a RAM (Random Access Memory). The memory 1002 temporarily stores program codes of programs executed by the processor 1001 and data required when executing the programs.

The storage device 1003 is a nonvolatile storage medium such as a hard disk drive (HDD) or flash memory. The storage device 1003 stores an operating system and various programs for realizing each of the above configurations.

Input I/F unit 1004 is a device for receiving input from a user. Specific examples of the input I/F unit 1004 include a keyboard, mouse, touch panel, various sensors, wearable devices, and the like. Input I/F unit 1004 may be connected to computer 1000 via an interface such as a USB (Universal Serial Bus).

Data I/F unit 1005 is a device for inputting data from outside of computer 1000. A specific example of the data I/F unit 1005 is a drive device for reading data stored in various storage media. It is also conceivable that the data I/F unit 1005 is provided outside the computer 1000. In that case, data I/F unit 1005 is connected to computer 1000 via an interface such as USB.

The communication I/F unit 1006 is a device for performing wired or wireless data communication with a device external to the computer 1000 via the Internet N. It is also conceivable that the communication I/F unit 1006 is provided outside the computer 1000. In that case, communication I/F unit 1006 is connected to computer 1000 via an interface such as USB.

The display device 1007 is a device for displaying various information. Specific examples of the display device 1007 include, for example, a liquid crystal display, an organic EL (Electro-Luminescence) display, a wearable device display, and the like. Display device 1007 may be provided outside computer 1000. In that case, display device 1007 is connected to computer 1000 via, for example, a display cable. Furthermore, when a touch panel is employed as the input I/F section 1004, the display device 1007 can be configured to be integrated with the input I/F section 1004.

===Summary===
The remittance system 10 according to the present embodiment is configured to issue a funds transfer account (funds transfer company an account-related unit 120 that associates a payroll account number (second identification code) configured in a format related to a bank account with a funds transfer account number (first identification code) for identifying a bank account; If the conditions are met, the funds transfer account number (first identification code) is specified based on the payroll account number (second identification code) of the worker registered with the specified company (organization). a transaction processing unit 160 that causes a salary transfer (remittance) from an organization (organization) to an account of a funds transfer agent corresponding to a funds transfer account number (first identification code) of a worker (user). With this, it is possible to realize a worker's salary transfer from a company to an account of a fund transfer agent with a simple system configuration. Further, the remittance system 10 can lower the barrier for funds transfer agents to connect with companies for salary transfer, and can increase the number of companies that funds transfer agents can connect with. That is, the remittance system 10 can revitalize the economy by allowing companies to transfer salaries to workers using fund transfer accounts.

Furthermore, the remittance system 10 according to the present embodiment receives the Zengin format including the payroll account number (second identification code) transmitted from the payroll management server 200 of a predetermined company (organization) in the transaction processing unit 160. The transaction processing unit 160 further includes a format conversion unit 130 that converts into a funds transfer agent format (format) of a funds transfer agent that includes the funds transfer account number (first identification code) specified based on the number (second identification code). executes remittance to the funds transfer account (funds transfer agent account) corresponding to the worker's (user) funds transfer account number (first identification code) based on the funds transfer agent format (format) of the funds transfer agent. . As a result, the remittance system 10 does not require the salary management server 200 to make a transfer request in a salary transfer format corresponding to each fund transfer provider, and therefore the salary management server 200 can be realized with a simple system configuration.

Further, the remittance system 10 according to the present embodiment receives funds based on the payroll account number (second identification code) included in the request for salary transfer (remittance) from a predetermined company (organization) to a worker (user). A request to the transfer agent to confirm whether or not the funds transfer account (account of the funds transfer agent) indicated by the funds transfer account number (first identification code) corresponding to the payroll account number (second identification code) is valid. The transaction processing unit 160 further includes a confirmation requesting unit 140 that performs the following: When the funds transfer account (funds transfer agent account) indicated by the funds transfer account number (first identification code) is confirmed to be valid, the transaction processing unit 160 A salary transfer (remittance) is executed from a predetermined company (organization) to a worker's (user's) fund transfer agent's account. As a result, the remittance system 10 can execute the salary transfer process after confirming whether the worker's fund transfer account is available for use or not, and thus can realize a smooth transfer process.

Further, the remittance system 10 according to the present embodiment is configured to transfer the amount remitted by a predetermined company (organization) to a funds transfer account (funds transfer agent's account) in a predetermined company (organization) and to the worker (user). The transaction processing unit 160 further includes an amount comparison unit 150 that compares the amount billed to a predetermined company (organization) corresponding to the amount to be transferred (remitted) from the salary, and the transaction processing unit 160 includes ), if a comparison result is obtained that shows that the remitted amount matches the invoiced amount, a salary transfer (remittance) from the specified company (organization) to the worker's (user) funds transfer provider's account is obtained. Let it run. This makes it possible to confirm whether or not the company is processing salary transfers appropriately, thereby suppressing inappropriate remittance processing.

Further, in the transaction processing unit 160 of the remittance system 10 according to the present embodiment, when the amount comparison unit 150 obtains a comparison result indicating that the amount remitted by a predetermined company (organization) is smaller than the invoiced amount, A request is made to a predetermined company (organization) to remit the difference between the amount remitted by the predetermined company (organization) and the invoiced amount. This makes it possible to confirm whether or not the company is processing salary transfers appropriately, thereby suppressing inappropriate remittance processing.

Further, the remittance system 10 according to the present embodiment determines whether the amount of money already remitted from a predetermined company (organization) in the fund transfer agent's account of the predetermined company (organization) satisfies a predetermined amount. The transaction processing unit 160 further includes a deposit determination unit 170, and the transaction processing unit 160 determines that the deposit (remitted amount) from a predetermined company (organization) satisfies a predetermined amount. In this case, a salary transfer (remittance) is executed from a predetermined company (organization) to the fund transfer account (account of the fund transfer agent) of the worker (user). As a result, the remittance system 10 enables the funds transfer agent to transfer the salary in a state where the transfer can be executed, thereby realizing smooth salary transfer.

In addition, the transaction processing unit 160 of the remittance system 10 according to the present embodiment determines that the deposit from a predetermined company (organization) (the amount that has already been remitted) does not meet the predetermined amount in the deposit determination unit 170. If so, at least a request is made to a predetermined company (organization) to remit the difference between the predetermined amount and the deposit (amount already remitted) from the predetermined company (organization). As a result, the remittance system 10 enables the funds transfer agent to transfer the salary in a state where the transfer can be executed, thereby realizing smooth salary transfer.

Further, the deposit determination unit 170 of the remittance system 10 according to the present embodiment determines whether the deposit (the amount already remitted) from a predetermined company (organization) is transferred (remitted) to the worker (user) as a salary. The transaction processing unit 160 determines whether or not the amount billed to a predetermined company (organization) corresponding to the amount is satisfied, and the deposit determination unit 170 determines whether the deposit (remitted amount) from the predetermined company (organization) is satisfied. ) is determined to meet the billed amount, a salary transfer (remittance) is executed from a predetermined company (organization) to the fund transfer account (account of the fund transfer agent) of the worker (user). As a result, the remittance system 10 enables the funds transfer agent to transfer the salary in a state where the transfer can be executed, thereby realizing smooth salary transfer.

Further, in the transaction processing unit 160 of the remittance system 10 according to the present embodiment, the deposit determination unit 170 determines that the deposit (the amount that has been remitted) from a predetermined company (organization) does not satisfy the billed amount. In this case, at least a request is made to a predetermined company (organization) to remit the difference between the billed amount and the deposit (remitted amount) from the predetermined company (organization). As a result, the remittance system 10 enables the funds transfer agent to transfer the salary in a state where the transfer can be executed, thereby realizing smooth salary transfer.

Further, the deposit determining unit 170 of the remittance system 10 according to the present embodiment performs a salary transfer from a predetermined company (organization) to a fund transfer account (funds transfer agent account) of a worker (user) in the transaction processing unit 160. After executing (remittance), the specified company (organization) corresponds to the amount to be transferred (remitted) to the worker (user) from the deposit (remitted amount) from the specified company (organization). It is determined whether the difference obtained by subtracting the billed amount for the specified amount satisfies the predetermined amount. As a result, the remittance system 10 enables the funds transfer agent to perform the procedure for remittance of salary while maintaining the state in which the remittance can be executed, thereby realizing smooth remittance processing.

The transaction processing unit 160 of the remittance system 10 according to the present embodiment also transfers funds from a predetermined company (organization) to a funds transfer account (funds transfer operator) corresponding to the funds transfer account number (first identification code) of the worker (user). Payroll transfer (salary transfer) to the account). With this, it is possible to realize a worker's salary transfer from a company to an account of a fund transfer agent with a simple system configuration.

DESCRIPTION OF SYMBOLS 10... Remittance system, 100... Remittance management server, 200... Payroll management server, 300... Funds transfer agent server, 400... Worker terminal, 110... Storage section, 120... Account related section, 130... Format conversion section, 140... Confirmation Request unit, 150... Amount comparison unit, 160... Transaction processing unit, 170... Deposit determination unit.

Claims (13)

In response to a request to issue an account in a format related to a bank account corresponding to an account of a funds transfer agent, a first identification code for identifying the account of the funds transfer agent in the user is configured in a format related to the bank account. an account related unit that associates a second identification code to be used;
If the predetermined conditions regarding remittance are met, by identifying the first identification code based on the second identification code of the user registered in the predetermined organization, the user's a transaction processing unit that executes remittance to the account of the funds transfer agent corresponding to the first identification code;
An information processing system equipped with. converting the Zengin format including the second identification code transmitted from the predetermined organization into the funds transfer agent's format including the first identification code specified based on the second identification code in the transaction processing unit; It further includes a format conversion section to
The transaction processing unit executes a remittance to an account of the funds transfer agent corresponding to the first identification code of the user based on a format of the funds transfer agent.
The information processing system according to claim 1. Based on the second identification code included in the request for remittance from the predetermined organization to the user, the funds transfer indicated by the first identification code corresponding to the second identification code is sent to the funds transfer agent. further comprising a confirmation request unit that executes a confirmation request as to whether or not the merchant's account is valid;
The transaction processing unit causes a remittance to be executed from the predetermined organization to the user's account with the funds transfer agent when the account of the funds transfer agent indicated by the first identification code is confirmed to be valid.
The information processing system according to claim 1 or claim 2. an amount comparison unit that compares the amount remitted by the predetermined organization to the account of the funds transfer agent in the predetermined organization and the amount charged to the predetermined organization corresponding to the amount remitted to the user; More prepared,
When the amount comparison unit obtains a comparison result indicating that the amount remitted by the predetermined organization and the amount invoiced match, the transaction processing unit is configured to transfer the amount of money remitted by the predetermined organization to the user. Executing remittances to a funds transfer provider's account;
The information processing system according to any one of claims 1 to 3. When the amount comparison unit obtains a comparison result indicating that the amount remitted by the predetermined organization is smaller than the invoiced amount, the transaction processing unit is configured to send a request to the predetermined organization to the predetermined organization. Execute a remittance request for the difference between the amount remitted by and the invoiced amount;
The information processing system according to claim 4. further comprising a deposit determination unit that determines whether the amount remitted from the predetermined organization in the fund transfer agent's account of the predetermined organization satisfies a predetermined amount;
When the deposit determination unit determines that the remitted amount from the predetermined organization satisfies the predetermined amount, the transaction processing unit is configured to transfer funds from the predetermined organization to the funds transfer agent of the user. Execute remittance to account,
The information processing system according to any one of claims 1 to 5. If the deposit determining unit determines that the remitted amount from the predetermined organization does not satisfy the predetermined amount, the transaction processing unit at least sends the predetermined amount to the predetermined organization. executing a remittance request for the difference between the amount of money and the amount already remitted from the predetermined organization;
The information processing system according to claim 6. The deposit determination unit determines whether the amount already remitted from the predetermined organization satisfies the amount billed to the predetermined organization corresponding to the amount to be remitted to the user;
When the deposit determining unit determines that the remitted amount from the predetermined organization satisfies the billing amount, the transaction processing unit transfers the funds transfer agent's account of the user from the predetermined organization to the account of the funds transfer agent. execute remittance to
The information processing system according to claim 6. When the deposit determination unit determines that the remitted amount from the predetermined organization does not satisfy the billed amount, the transaction processing unit at least sends a request to the predetermined organization,
executing a remittance request for the difference between the billed amount and the amount already remitted from the predetermined organization;
The information processing system according to claim 8. The deposit determination unit causes the transaction processing unit to execute remittance from the predetermined organization to the account of the fund transfer agent of the user, and then transfers the amount to the user from the amount already remitted from the predetermined organization. determining whether the difference obtained by subtracting the amount billed to the predetermined organization from the amount to be remitted satisfies a predetermined amount;
The information processing system according to claim 6 or claim 7. the predetermined organization is a company;
The user is a worker of the company,
The transaction processing unit causes a salary to be transferred from the predetermined company to an account of the funds transfer agent corresponding to the first identification code of the worker.
The information processing system according to any one of claims 1 to 9. The computer is
In response to a request to issue an account in a format related to a bank account corresponding to an account of a funds transfer agent, a first identification code for identifying the account of the funds transfer agent in the user is configured in a format related to the bank account. and associating a second identification code that is
If the predetermined conditions regarding remittance are met , the user's remittance from the predetermined organization is determined by identifying the first identification code based on the second identification code of the user registered in the predetermined organization. Executing a remittance to the account of the funds transfer agent corresponding to the first identification code;
How to do it. to the computer,
In response to a request to issue an account in a format related to a bank account corresponding to an account of a funds transfer agent, a first identification code for identifying the account of the funds transfer agent in the user is configured in a format related to the bank account. and associating a second identification code that is
If the predetermined conditions regarding remittance are met , the user's remittance from the predetermined organization is determined by identifying the first identification code based on the second identification code of the user registered in the predetermined organization. Executing a remittance to the account of the funds transfer agent corresponding to the first identification code;
A program to run.

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