JP7377998B1 - Information processing device, information processing method, and information processing program - Google Patents

Abstract

[Challenge] To promote the use of digital salary payments. An information processing device according to the present application includes a receiving section and a reflecting section. The reception department receives salary transfer requests from users. Based on the salary transfer request received from the user, the transfer department manages the salary transfer destination that can be received as electronic money, and the employer who employs the user manages the transfer destination of the user's salary. This will be reflected as the transfer destination of the user registered in the management system used for this purpose. [Selection diagram] Figure 4

Description

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

Conventionally, cashless payment methods have been widely recognized by consumers, mainly for commercial transactions between businesses and individuals, but due to their convenience, they are becoming increasingly popular online using user terminals such as smartphones owned by individuals. Electronic payment services are becoming widespread among consumers. For example, a service provider that provides an electronic payment service manages the balance of electronic money available to a service user in association with the account individually assigned to the service user. Then, in response to a transaction request from a service user, the service provider provides the service user with a transaction means for making a payment using electronic money.

In addition, the government has recently begun considering the introduction of so-called ``digital payment of salaries,'' which would allow fund transfer companies operating funds transfer businesses to pay salaries using digital money such as the electronic money and virtual currency mentioned above. Note that the above-mentioned service provider may also serve as a funds transfer provider.

JP 2020-4122 Publication

However, with the above-mentioned conventional technology, there are still many problems to be solved in promoting the use of digital salary payment when the ban on digital salary payment is lifted. For example, if a funds transfer provider supports digital payment of salaries, it is necessary to provide a corporate account to the company paying the salary, but setting up a corporate account requires man-hours, so It is difficult to provide appropriate services.

It is also conceivable that the company that pays the salary could act as a funds transfer agent. However, in order to operate a funds transfer business, it is necessary to be registered with the Prime Minister in advance, which places a heavy burden on the companies paying salaries.

In addition, in the electronic payment service mentioned above, the funds transfer service provider knows the bank account of the service user and obtains consent from the user to enable automatic charging of a certain amount, so that payments such as salary, etc. It is possible to automatically charge when cash is transferred to a user's bank account. However, many service users are reluctant to provide their bank account information to funds transfer service providers due to concerns that their personal information may be leaked.

In this way, even if the ban on digital salary payments is lifted, there is a possibility that there will not be much progress in switching from the existing scheme of transferring salaries to bank accounts to digital salary payments.

The present application has been made in view of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can promote the use of digital salary payment.

The information processing device according to the present application includes a reception unit that receives a salary transfer request from a user, and a salary transfer destination that is a transfer destination that can receive electronic money based on the salary transfer request received from the user. , a reflection unit that reflects the transfer destination of the user registered in a management system used by an employer who employs the user to manage the transfer destination of the user's salary. shall be.

According to one aspect of the embodiment, it is possible to promote the use of digital salary payment.

FIG. 1 is a diagram illustrating an overview of a first processing example of information processing according to an embodiment. FIG. 2 is a diagram illustrating an overview of a second processing example of information processing according to the embodiment. FIG. 3 is a diagram showing an example of a display on a user terminal. FIG. 4 is a diagram illustrating a configuration example of a payment server according to an embodiment. FIG. 5 is a diagram illustrating an example of information stored in the virtual account information storage unit according to the embodiment. FIG. 6 is a diagram illustrating an example of information stored in the user information storage unit according to the embodiment. FIG. 7 is a diagram illustrating an example of information stored in the account information storage unit according to the embodiment. FIG. 8 is a diagram illustrating an example of information stored in the collaboration information storage unit according to the embodiment. FIG. 9 is a flowchart illustrating an example of an information processing procedure executed by the payment server according to the embodiment. FIG. 10 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS 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. Further, in each of the embodiments below, the same parts are given the same reference numerals, and redundant explanations will be omitted.

[1. Embodiment]
Information processing realized by the information processing apparatus and the like according to the embodiment will be described using FIG. 1. FIG. 1 is a diagram illustrating an overview of a first processing example of information processing according to an embodiment. Note that in FIG. 1, it is assumed that information processing and the like according to the embodiment are realized by a payment server 100, which is an example of an information processing apparatus according to the embodiment.

(1-1. System configuration)
As shown in FIG. 1, the information processing system 1 according to the embodiment includes a user terminal 10, a bank server 20, a human resources management system 30, and a payment server 100. The user terminal 10, the bank server 20, the personnel management system 30, and the payment server 100 are connected to be able to communicate with each other by wire or wirelessly via a network N (for example, see FIG. 4). The network N is, for example, a WAN (Wide Area Network) such as the Internet. Note that the information processing system 1 shown in FIG. 1 may include multiple user terminals 10, multiple bank servers 20, multiple human resources management systems 30, and multiple payment servers 100. Regarding aspects such as the device configuration of the information processing system 1, any aspect can be adopted as long as desired processing can be realized, but this point will be described later.

A payment server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 100 provides service users with an electronic payment service regarding electronic payment using the user terminal 10 (a service that provides a predetermined transaction means for controlling the exchange of electronic money by code payment). Payment server 100 executes information processing regarding electronic payment services. Specifically, the payment server 100 distributes an application program for a user terminal (hereinafter appropriately referred to as a "user application") for realizing code payment to general consumers who are service users. When the payment server 100 receives a transaction request from a user application via an interface dedicated to the user application, the payment server 100 executes information processing including electronic money transfer processing between accounts in accordance with the transaction request. The user application transmits transaction information including information such as a payment destination, a payment source, and a payment amount to the payment server 100. In addition to the above information, transaction information includes information such as transaction codes to identify individual transactions and date and time information (time stamps) to identify the date and time of transactions. It's okay.

The payment server 100 provides a cooperation service with a management system introduced by an employer that employs a user. Further, the payment server 100 provides a deposit service such as payment of salary from an employer to a user, and the details of the specific information processing will be described later. Note that the payment server 100 may provide services that accept not only salary transfers using electronic money but also various types of transfers other than salaries. In addition, services that accept salary transfers and various transfer payments may be configured as mini-apps that are launched within the user application to realize code payments, or may be configured as mini-apps that are launched within the user application to realize code payments, or may be configured as mini-apps that are launched within the user application to realize code payments. It may also be a unique application program.

The user terminal 10 shown in FIG. 1 is an information processing device used by a user UY who is a general consumer who receives transactions from a store and who uses services provided by the payment server 100. The user terminal 10 is realized by, for example, a smartphone, a tablet terminal, a notebook PC (Personal Computer), a desktop PC, a mobile phone, a PDA (Personal Digital Assistant), or the like. Further, the user terminal 10 displays information distributed by the payment server 100 using a web browser or an application. Note that in FIG. 1, a smartphone is illustrated as the user terminal 10.

Note that when the user terminal 10 receives control information for implementing predetermined information processing from the payment server 100, it implements the information processing in accordance with the control information. Here, the control information may be a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup such as HTML (HyperText Markup Language). Described by language etc. Note that the predetermined application itself distributed from the payment server 100 may be regarded as the control information.

The bank server 20 shown in FIG. 1 is an information processing device belonging to a bank (an example of a "financial institution") that manages bank accounts opened by applicants, and is realized by a server device, a cloud system, or the like. For example, the bank server 20 stores, as the usage history of the bank account, information related to withdrawals from the bank account by each card company and various service providers (debit amount, date and time of withdrawal, etc.), current account information ( Account balances, etc. are managed by associating them with account holders.

The human resources management system 30 shown in FIG. 1 is a management system that manages human resources and labor of a business such as a company. The personnel management system 30 includes a computer (information processing device) such as a server device for managing personnel and labor matters. For example, the human resources management system 30 has a function of managing salary payments to employees by an employer such as a business that employs employees such as users. The personnel management system 30 is a system that can coordinate services related to salary payments. For example, the personnel management system 30 can cooperate with a service related to salary payment provided by the payment server 100. For example, the human resources management system 30 is a system that provides an external system with an API (Application Programming Interface) for linking services related to salary payment. Note that the personnel management system 30 can adopt any device configuration as long as it is capable of managing personnel and labor matters.

(1-2. Regarding payment using user terminal 10)
Here, an example of code payment (electronic payment) using the user terminal 10 will be described. In the following explanation, a two-dimensional code (QR code (registered trademark)) placed at store X, which indicates store identification information for identifying store An example in which the receiving user UY makes a payment using the user terminal 10 will be described. Note that an example of code payment described below can be applied to a case where any user makes a payment at any store using any user terminal 10. Further, the two-dimensional code indicating store identification information may be not only a QR code but also a bar code, a predetermined mark, a number, etc. Further, the two-dimensional code is not limited to the example of being physically configured by printed matter printed on a medium such as paper, but may be configured by image information displayed on an arbitrary terminal.

For example, when user UY makes a payment for purchasing or using transaction objects such as various products and services at store X, user UY starts a user application installed on the user terminal 10 in advance. Then, the user UY photographs the two-dimensional code installed at the store X via the user application. In such a case, the user terminal 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from the user UY or the clerk of the store X. Then, the user terminal 10 receives user identification information that identifies user UY, store identification information (or information indicated by the store identification information, that is, information indicating store X (for example, store ID)), and the payment The transaction information including the amount is transmitted to the payment server 100.

Upon receiving transaction information from the user terminal 10, the payment server 100 transfers electronic money equivalent to the payment amount from the account of the user UY indicated by the user identification information to the account of the store X indicated by the store identification information. to migrate. At this time, the payment server 100 may deduct a predetermined fee to be charged to the store X from the electronic money equivalent to the payment amount, and then transfer the electronic money to the store X's account. The payment server 100 then sends a notification to the user terminal 10 that the transaction has been completed. In such a case, the user terminal 10 notifies the user UY that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of the user UY indicated by the user identification information, manages it as sales information of store X, and withdraws the amount equivalent to the sales at a predetermined timing. The cash may be transferred to a bank account held by store X. In this case, the payment server 100 may notify the user UY that the electronic money transaction is completed at the timing when the electronic money equivalent to the payment amount is withdrawn from the user UY's account.

Note that payment using the user terminal 10 is not limited to the processing described above. For example, the payment using the user terminal 10 may be made using a terminal device installed at the store X (hereinafter referred to as a "store terminal"). Specifically, first, the user terminal 10 displays on the screen code information indicating user identification information for identifying the user UY. In such a case, the store terminal reads the user identification information from the code information displayed on the user terminal 10, and stores the read user identification information (or the information indicated by the user identification information, that is, the user UY). transaction information including information indicating the transaction (for example, user ID), the payment amount, and information identifying the store X is transmitted to the payment server 100.

Upon receiving the transaction information from the store terminal, the payment server 100 transfers electronic money corresponding to the payment amount from the account of the user UY indicated by the user identification information to the account of the store X. The payment server 100 then sends a notification to the store terminal or user terminal 10 that the transaction has been completed. The store terminal or user terminal 10 notifies the user UY that the transaction using electronic money has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. In addition, the payment server 100 withdraws electronic money equivalent to the payment amount from the account of the user UY indicated by the user identification information, manages it as sales information of store X, and withdraws the amount equivalent to the sales at a predetermined timing. The cash may be transferred to a bank account held by store X. In this case, the payment server 100 may notify the clerk or user UY that the electronic money transaction has been completed at the timing when electronic money corresponding to the payment amount is withdrawn from the user UY's account.

In addition, the payment using the user terminal 10 is not only a process of transferring electronic money from an account to which user UY has previously charged electronic money to an account at store Payment may be made using a card. In such a case, for example, the user terminal 10 transfers the amount of electronic money indicated by the payment amount to the account of store may be requested.

In addition, payments using the user terminal 10 are not limited to transferring electronic money from user UY's account to store X's account; for example, electronic money is transferred from user UY's account to another user's account. It may also be a payment that transfers money (that is, a remittance between users). For example, the user terminal 10 used by the user UY who is the remittance source uses user identification information that identifies the user who is the remittance destination (for example, user identification information displayed on the terminal device used by the remittance destination user). is read, receives an input of the remittance amount from the user UY, and transmits information indicating the read identification information, the remittance amount, and user identification information that identifies the user UY to the payment server 100. In such a case, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user UY to the account of the remittee user, and uses it by the user terminal 10 or the remittee user. The fact that the remittance has been completed may be notified by causing the terminal device to output a screen or a predetermined voice indicating that the remittance has been completed.

Note that remittance using the user terminal 10 is not limited to the above-described processing. For example, remittance using the user terminal 10 may be performed by inputting the telephone number of the user to whom the remittance is to be made or information indicating the user to whom the remittance is to be made (e.g., user ID) into the user terminal 10. . To give a specific example, the user terminal 10 receives the input of the telephone number or user ID of the user to whom the remittance is to be made and the remittance amount from the user UY, and inputs the input telephone number or user ID, The remittance amount and user identification information for identifying user UY are transmitted to payment server 100. Then, the payment server 100 transfers the amount of electronic money indicated by the remittance amount from the account of the user UY to the account of the user linked to the transmitted telephone number or user ID.

Here, the telephone number and user ID of the user who is the remittance destination may be registered in advance in the user application in association with information regarding the user. In this case, the user terminal 10 receives from the user UY the designation of the user (remittance destination) registered in the user application and the input of the remittance amount to the user, and the The number or user ID, the remittance amount, and user identification information for identifying user UY are transmitted to payment server 100.

Further, for example, remittance using the user terminal 10 may be performed by providing link information for receiving the remittance amount to the user of the remittance destination. To give a specific example, the user terminal 10 receives an input of the remittance amount from the user UY, generates link information for receiving the remittance amount, sends an e-mail containing the link information, or sends an e-mail containing the link information. By posting posted information including this on SNS (Social Networking Service), link information is provided to the terminal device used by the user of the remittance destination. Then, when the remittance destination user selects the link information and performs a receiving operation, the payment server 100 transfers electronic money in the amount indicated by the remittance amount from the user UY's account to the remittance destination user's account. Migrate.

Note that the payment means and payment services described above are not limited to those for providing consideration for purchasing products or providing services (settlement of debts). For example, as described above, the payment means or payment service may have a function related to remittance between accounts owned by multiple users. That is, the above-mentioned payment means and payment service may be any service that controls the transmission and reception of electronic money between the accounts of arbitrary owners linked to the owner of electronic money, such as users and stores. In other words, the payment means and payment services according to the embodiments include various controls for realizing electronic money exchange (not only various inter-account remittance controls via electronic money, but also control regarding exchanges between electronic money accounts and bank accounts). Transaction methods and transaction services that carry out various types of debt processing such as control, processing related to splits and bonus payments, and various other controls related to the exchange of assets, including electronic money, may be provided in any format. Good too. Further, the various controls realized by such transaction means and transaction services may include both payment-related control and remittance-related control, or only one of them may be included. That is, the term "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" of electronic money and various other types of processing. That is, the payment server 100 may be an information processing device that implements a transaction means that controls the exchange of electronic money between arbitrary owners.

(1-3. Overview of embodiment)
(1-3-1. First processing example)
An overview of the information processing related to the cooperation service with the management system executed by the payment server 100 will be described below. In the example below, a bank account will be explained as an example of a transfer destination (also referred to as a "salary transfer destination") that can receive electronic money, but the salary transfer destination can be any transfer destination that can receive electronic money. The transfer is not limited to a bank account, but may be made to any desired transfer destination, but this point will be discussed later.

First, with reference to FIG. 1, an overview of the process performed when the user does not have a bank account that can be used as a salary transfer destination will be explained. FIG. 1 shows an overview of processing related to payment of salary to user UY. In addition, in the description of FIG. 1, the user terminal 10 may be equated with the user UY. That is, in the description of FIG. 1 below, user UY can also be read as user terminal 10.

As shown in FIG. 1, the payment server 100 provides the user UY with information for accepting a salary transfer request (step S11). For example, the payment server 100 transmits content for accepting a salary transfer request to the user terminal 10 used by the user UY.

The payment server 100 receives a salary transfer request from the user UY (step S12). The user terminal 10 transmits request information indicating a request to transfer the salary of the user UY to the payment server 100 in response to the user UY's operation on the content displayed on the user terminal 10 via the user application. For example, the user terminal 10 transmits request information including information indicating the user UY, information indicating the employer of the user UY, etc. to the settlement server 100, thereby transmitting a request to transfer the salary of the user UY to the settlement server 100. to be done. Thereby, the payment server 100 that has received the request information of the user UY accepts the request information of the user UY as a salary transfer request from the user UY. For example, the payment server 100 accepts a salary transfer request from a user in response to the user's operations on the contents C1 to C4 shown in FIG. 3, and this point will be described later.

The payment server 100, which has received the salary transfer request from the user UY, determines whether the user UY has a bank account that can be used as a salary transfer destination (step S13). For example, the payment server 100 refers to the transfer destination information associated with the user UY and determines whether the user UY has a bank account that can receive electronic money. In FIG. 1, the payment server 100 determines that the user UY does not have a bank account that can receive electronic money.

The payment server 100, which has determined that the user UY does not have a bank account that can receive electronic money, sends a virtual account to the bank server 20 belonging to an affiliated bank that can provide a bank account that can receive electronic money. (virtual account) is requested (step S14). The payment server 100 requests the bank server 20 to lend a virtual account, which is a one-time account that can be used as a salary account. A virtual account is a plurality of virtual accounts that are linked to the same bank account owned by a business that operates the payment server 100 at a partner bank. Note that this virtual account does not have the function of a bank account, but is unique number information for specifying the transfer destination, and functions as a dedicated account for receiving various transfers.

The bank server 20 lends the virtual account in response to the request from the payment server 100 (step S15). Thereby, the payment server 100 acquires the lent virtual account as a transfer destination (also referred to as a "registration transfer destination") for user UY. Note that the payment server 100 can borrow a predetermined volume of virtual accounts (for example, an arbitrary number such as a maximum of 9,999,999 accounts) from the bank server 20 at one time. For example, the payment server 100 may borrow a virtual account from the bank server 20 in advance before accepting a salary transfer request from a user.

In this case, instead of the processing in steps S14 to S15, which is communication with the bank server 20, the payment server 100 performs a process of acquiring the transfer destination (registration transfer destination) to be registered for the user UY within its own device. I do. For example, the payment server 100 manages virtual accounts borrowed from the bank server 20 in advance in the storage unit 120 such as the virtual account information storage unit 121. Then, the payment server 100 may select one virtual account from among the virtual accounts borrowed from the bank server 20 in advance as the registered transfer destination to be associated with the user.

For example, the payment server 100 assigns a virtual account selected from a plurality of unused virtual accounts lent out in advance from a partner bank as the registered transfer destination corresponding to the user UY. In this case, the payment server 100 registers account information for specifying the assigned one-time account (virtual account) and identification information unique to the user UY in association with each other, and manages the account information as user information. As identification information unique to user UY, for example, an account (user ID, etc.) that is individually assigned to each user by the payment server 100 at the time of registration for use of the electronic payment service can be used.

In addition, for the purpose of complying with the retention regulations in the funds transfer industry required by law, the payment server 100 is configured to handle payments that exceed a predetermined amount of the amount deposited using a dedicated account for transfer payments as the transfer destination (remittance destination). Information on a refund bank account for refunding the amount of cash to the user UY associated with the dedicated account may be obtained from the user UY when applying for use such as a transfer request. The payment server 100 associates the refund bank account information obtained from the user UY with the above-mentioned unique information and registers it as user information.

The payment server 100 is used as the transfer destination of the user UY registered in the human resources management system 30, which is used by the business operator C, who is the employer of the user UY, to manage the transfer destination of the user UY's salary. To reflect. The payment server 100 transmits transfer destination information indicating the destination of user UY's salary to the human resources management system 30 introduced by the business operator C that employs the user UY (step S16). For example, the payment server 100 stores information indicating the user UY and registration information corresponding to the user UY in a device of the human resources management system 30 (also referred to as a "personnel management device") introduced by the business operator C that employs the user UY. Send the transfer destination information including the information indicating the transfer destination.

The human resources management system 30, which has received the transfer destination information from the payment server 100, executes a registration process to register the salary transfer destination indicated by the transfer destination information as the transfer destination of the user UY (step S17). For example, the human resources management device of the human resources management system 30 stores the registered transfer destination corresponding to the user UY indicated by the transfer destination information as the transfer destination of the user UY in the storage unit in association with the information identifying the user UY. Execute the registration process to store.

The personnel management system 30 that has executed the registration process notifies the payment server 100 of the execution result of the registration process regarding user UY's salary transfer destination (step S18). For example, the human resources management device of the human resources management system 30 transmits execution result information including the success or failure of the registration process regarding user UY's salary transfer destination to the payment server 100. For example, when the registration process regarding user UY's salary transfer destination is completed, the personnel management device of the personnel management system 30 sends completion notification information indicating that the registration process regarding user UY's salary transfer destination has been successfully completed. It is transmitted to the payment server 100 as execution result information. For example, when the human resources management device of the human resources management system 30 fails in the registration process regarding user UY's salary transfer destination, the human resources management device of the human resources management system 30 sends failure notification information indicating that the registration process regarding user UY's salary transfer destination has failed to the execution result. The information is sent to the payment server 100.

The payment server 100, which has received the execution result information from the human resources management system 30, provides the user UY with information regarding registration regarding the user UY's salary transfer destination (step S19). For example, the payment server 100 transmits information (also referred to as "provided information") based on the execution result information received from the personnel management system 30 to the user terminal 10 of the user UY. For example, when the registration process regarding user UY's salary transfer destination is completed, the payment server 100 transmits provided information indicating that the registration process regarding user UY's salary transfer destination has been successfully completed to user UY's user terminal. Send to 10. For example, if the payment server 100 fails in the registration process regarding the salary transfer destination of the user UY, the payment server 100 sends provided information to the user terminal 10 of the user UY indicating that the registration process regarding the salary transfer destination of the user UY has failed. Send. In this way, if the payment server 100 is unable to reflect the salary transfer destination in the human resources management system 30, the payment server 100 provides information to the user UY indicating that cooperation with the human resources management system 30 is not possible. It is transmitted to the user terminal 10.

As described above, if the user does not have a transfer destination that can receive electronic money, the payment server 100 associates the user with a transfer destination that can receive electronic money, and assigns that transfer destination to the user. It is registered in the personnel management system 30 as a salary transfer destination. As a result, the payment server 100 can shift to digital salary payment without any burden on the user even if the user does not have an appropriate salary transfer destination, and promotes the use of digital salary payment. can.

(1-3-2. Second processing example (when the user has a bank account))
Next, with reference to FIG. 2, an overview of the process performed when the user has a payee that can be used as a payee will be described. FIG. 2 is a diagram illustrating an overview of a second processing example of information processing according to the embodiment. FIG. 2 shows an overview of processing related to payment of salary to user UZ. Note that descriptions of points similar to those in FIG. 1 will be omitted as appropriate. Furthermore, in the description of FIG. 2, the user terminal 10 may be identified as the user UZ. That is, in the description of FIG. 2 below, user UZ can also be read as user terminal 10.

As shown in FIG. 2, the payment server 100 provides the user UZ with information for accepting a salary transfer request (step S21). The payment server 100 receives a salary transfer request from the user UZ (step S22).

The payment server 100, which has received the salary transfer request from the user UZ, determines whether there is a bank account of the user UZ that can be used as a salary transfer destination (step S23). For example, the payment server 100 refers to the transfer destination information associated with the user UZ and determines whether the user UZ has a bank account that can receive electronic money. In FIG. 2, the payment server 100 determines that the user UZ has a virtual account (bank account) that can receive electronic money.

The payment server 100, which determines that the user UZ has a bank account that can receive electronic money, acquires that bank account (virtual account) as a transfer destination (registration transfer destination) to be registered for the user UZ. The payment server 100 serves as a transfer destination for user UZ registered in the personnel management system 30, which is used by business C, which is the employer of user UZ, to manage the transfer destination of user UZ's salary. To reflect. The payment server 100 transmits the transfer destination information indicating the transfer destination of the user UZ's salary to the personnel management system 30 introduced by the business operator C that employs the user UZ (step S24). For example, the payment server 100 sends information indicating the user UZ and the registered payment address corresponding to the user UZ to the device (personnel management device) of the human resources management system 30 introduced by the business operator C that employs the user UZ. Send the remittance information including the information shown.

The personnel management system 30, which has received the transfer destination information from the payment server 100, executes a registration process to register the salary transfer destination indicated by the transfer destination information as the transfer destination of the user UZ (step S25). For example, the human resources management device of the human resources management system 30 stores the registered transfer destination corresponding to the user UZ indicated by the transfer destination information as the transfer destination of the user UZ in the storage unit in association with the information identifying the user UZ. Execute the registration process to store.

The personnel management system 30 that has executed the registration process notifies the payment server 100 of the execution result of the registration process regarding the salary transfer destination of the user UZ (step S26). The payment server 100, which has received the execution result information from the personnel management system 30, provides the user UZ with information regarding the registration regarding the user UZ's salary transfer destination (step S27). For example, the payment server 100 transmits information (provided information) based on the execution result information received from the personnel management system 30 to the user terminal 10 of the user UZ.

As described above, if the user has a transfer destination that can receive electronic money, the payment server 100 registers that transfer destination in the personnel management system 30 as the user's salary transfer destination. As a result, if the payment server 100 has a payee that can be used as a salary transfer destination for the user, by using that payee, the payment server 100 can transition to digital payment of salary without any burden on the user. It can encourage the use of digital payroll payments.

Note that the above-mentioned processing is only an example, and the payment server 100 is not limited to the above-mentioned processing, and may perform various processing in order to appropriately pay salaries. For example, the payment server 100 may obtain information regarding predetermined necessary items from the user when applying for use, for the purpose of complying with the above-mentioned retention regulations and detecting remittance mistakes in the name of salary. The predetermined required information may include the place of work or employer, employee number, name within the company, amount of money to be received, and bank account for refund. It is assumed that information regarding workplaces and employers will be used to confirm the transfer source (remittance source) in the transfer payment service for receiving salary. Furthermore, it is assumed that the employee number will be used as a key to verify the identity of the person making the transfer if there is an error in the transfer. In addition, it is assumed that the name within the company will be used to confirm the account holder designated as the transfer destination (remittance destination). Further, it is assumed that the received amount is used to adjust the amount in advance so that it does not exceed a predetermined amount. It is assumed that the refund bank account will be used as a transfer destination (remittance destination) for an amount exceeding a predetermined amount. The payment server 100 associates the predetermined information acquired from the user with the above-mentioned unique information and registers it as user information.

(1-3-3. Example of display and operation on user terminal)
From here, examples of displays on the user terminal 10 and operations performed by the user using the user terminal 10 will be described using FIG. 3. FIG. 3 is a diagram showing an example of a display on a user terminal. Each content shown in FIG. 3 is displayed on the user terminal 10 via the user application. FIG. 3 shows, as an example, a case where Service P, which is an example of an electronic payment service, is provided by Service P Corporation.

Hereinafter, with reference to FIG. 3, a case in which user UZ requests a salary transfer will be described as an example. Note that descriptions of points similar to those described in FIGS. 1, 2, etc. will be omitted as appropriate.

Content C1 in FIG. 3 is content that accepts a salary transfer request from a user. The content C1 is content for accepting permission for service collaboration to receive a salary from the service P. Content C1 in FIG. 3 shows a state in which the user has specified (selected) consent to "receive salary through service P."

When the user specifies the button BT1 labeled "Agree to the above and continue" in the state of content C1 in FIG. 3, the user terminal 10 acquires the information accepted in content C1 and changes the display to Transition to C2 and continue displaying the salary transfer request. In FIG. 3, when the user UZ specifies the button BT1, the user terminal 10 of the user UZ displays the content C2. Note that if the user specifies the button BT2 marked with "I do not agree," the user terminal 10 may end the display of the salary transfer request and end the acceptance of the salary transfer request.

Content C2 in FIG. 3 is content that accepts specification (selection) of the user's place of work. Content C2 is content showing a list of businesses that can receive salaries through service P. For example, content C2 is content that shows a list of businesses that have introduced the personnel management system 30 that can be linked with service P. Content C2 in FIG. 3 displays a list of multiple businesses such as business A to business I.

When the user specifies a place of work from the list of businesses in content C2 in FIG. Continue displaying requests. In FIG. 3, when the user UZ specifies (selects) the company C that is his place of work (employer), the user terminal 10 of the user UZ displays the content C3. Note that the user may search for his or her own place of work by inputting the name of the place of work into the search box in content C2, and specify his or her place of work from the search results.

Content C3 in FIG. 3 is content that accepts selection of a salary receiving method. Content C3 is content that accepts salary receipt settings such as specifying the amount of money (amount) to be left in service P. For example, content C3 specifies the amount of the user's salary to be left as electronic money that can be used in service P, and the destination of the deposit, such as a bank, to which the amount other than the amount to be left as electronic money that can be used in service P is to be deposited. This is content that accepts requests. Content C3 in FIG. 3 displays a slider that accepts designation of the amount to be left in service P, deposit destinations designated as deposit destinations other than the amount to be left in service P, and a list of candidates for deposit destinations that can be specified.

When the user specifies the button BT3 labeled "Set and proceed" in the state of content C3 in FIG. 3, the user terminal 10 acquires the information received in content C3 and changes the display to content C4. transition and continue displaying the salary transfer request. In FIG. 3, when the user UZ specifies the button BT3, the user terminal 10 of the user UZ displays the content C4. Note that in the salary transfer request, content C3 may be omitted. If content C3 is omitted and the user specifies his or her place of work from the list of businesses in content C2 in FIG. Transition to C4 and continue displaying the salary transfer request.

Content C4 in FIG. 3 is content for reflecting a change (registration) of a user's salary transfer destination in the personnel management system 30. Content C4 is content that accepts login information for the personnel management system 30 that is used (introduced) by the user's employer. Content C4 in Figure 3 is for inputting the information necessary to log into the personnel management system #1 (denoted as "System #1" in Figure 3) that has been introduced by company C, which is the employer of user UZ. accept. Specifically, the content C4 accepts input of the user's common employee number and password, which are examples of information necessary for logging into the system #1. Note that the common employee number and password are only examples of information necessary for login, and the information necessary for login may be different for each personnel management system 30. The information processing system 1 manages information necessary for logging in for each human resource management system 30 as necessary information at the time of login, and the user terminal 10 manages the information necessary for logging into the human resource management system 30 based on the information required at the time of login of the human resource management system 30. Information necessary for logging in to 30 may be displayed.

In FIG. 3, when the user enters the common employee number and password in the content C4 and specifies the button BT4 labeled "Login", the user terminal 10 displays the salary based on the information received in the content C1 to C4. A request is made to the information processing system 1 to change (register) the transfer destination.

For example, the user terminal 10 transmits information received in the contents C1 to C4 to the payment server 100, and the payment server 100 receives information from the user terminal 10 as a salary transfer request from the user. The payment server 100 uses the information received from the user terminal 10 to request the personnel management system #1 to change (register) the user's salary transfer destination via an API provided by the personnel management system #1.

In FIG. 3, the user UZ enters the employee number and password at the company C in the content C4 and specifies the button BT4, so that the user terminal 10 of the user UZ enters the user UZ's salary transfer destination. Request a change (registration). For example, the payment server 100 receives the login information of the user UZ from the user terminal 10 of the user UZ, and sends the login information and transfer information to the personnel management system #1 via the API provided by the personnel management system #1. and provides the user terminal 10 with information indicating whether registration is possible or not, which is obtained from the personnel management system #1.

When the user terminal 10 acquires information indicating that the change (registration) of the salary transfer destination has been successful, the user terminal 10 changes the display to content C5 and notifies the user of the change (registration) of the salary transfer destination. Content C5 in FIG. 3 is content for notifying that the change (registration) of the user's salary transfer destination has been completed. Content C5 is content that includes information indicating that the change (registration) of the user's salary transfer destination has been completed, and a button BT5 labeled "Return to Home Screen." When the user specifies the button BT5, the user terminal 10 changes the display to the home screen of the user application.

Content C5 may include information indicating the salary transfer start date. In this case, the payment server 100 acquires information indicating the scheduled date for starting salary transfer from the human resource management system 30 that requested change (registration) of the salary transfer destination, and transfers the information indicating the acquired scheduled date to the user terminal 10. Provided to. In FIG. 3, the payment server 100 provides the user UZ's user terminal 10 with information indicating the scheduled time for completion of reflection of the user UZ's salary transfer destination in the human resources management system #1.

(1-3-4. Other examples (transfer destination, etc.))
Note that the above is only an example, and the information processing system 1 may perform processing using arbitrary information. For example, although the information processing system 1 has been described as an example in which a bank account such as a virtual account is used as a salary transfer destination, the transfer destination is not limited to a bank account, and any transfer destination may be used. For example, the information processing system 1 may use a payee that corresponds to a salary payment mode that the human resources management system 30 can handle as the payee.

For example, if the personnel management system 30 supports payment of salaries in electronic money, the information processing system 1 may use a transfer destination that supports payment in electronic money. In this case, the payment server 100 may reflect an account (also referred to as an "electronic money account") in a service related to electronic money (electronic money service, etc.) as the transfer destination of the user registered in the human resources management system 30. good. For example, the information processing system 1 may link information that can identify a service related to electronic money (for example, a service name, a service identification ID, etc.) and an account name to the personnel management system 30.

Note that the electronic money account includes a wallet linked to the account given to the service user. The wallet accepts digital money deposits (balance additions) and digital money withdrawals (balance payments). For example, the wallet corresponds to a digital money account that is used to manage digital money deposits and withdrawals and is identified by the account ID in FIG.

For example, the payment server 100 may reflect an account in an electronic payment service (electronic money service) such as service P as the transfer destination of the user registered in the personnel management system 30. In this case, the information processing system 1 executes the process of remitting electronic money corresponding to the salary from the wallet corresponding to the employer's account (corporate account) to the wallet corresponding to the user's account as a salary payment process. It's okay.

(1-4. Transfer payment processing)
An overview of salary payment (transfer deposit) processing by the salary payment service will be explained below. Below, an overview of the processing in the information processing system 1 when the user UZ uses the salary transfer service will be explained.

The business operator C, which is the employer of the user UZ, pays the salary (transfer deposit) based on the remittance information registered in the human resources management system 30 indicating the remittance of the user UZ's salary. For example, business operator C remits the salary of user UZ from the sending bank where he owns a bank account to the bank (branch) account and account holder listed in the remittance information. For example, an example is shown in which business operator C remits a salary of ``¥250,000'' to a dedicated account number ``111111'' whose account holder is ``Shohyojin''.

The payment server 100 executes a detection process that detects a transfer to a dedicated account (virtual account) individually assigned to each user from among a plurality of virtual accounts linked to the same bank account. For example, the payment server 100 checks the balance of a bank account to which a plurality of dedicated accounts (virtual accounts) are linked at a predetermined timing. Then, when the balance of the corresponding bank account increases, the payment server 100 individually specifies the dedicated account number indicating the dedicated account (virtual account) designated as the remittance destination.

Further, when the payment server 100 detects a deposit to the dedicated account number for the transfer, it executes a process of confirming the details of the transfer. Then, the payment server 100 executes processing according to the confirmation result of the transfer details. For example, the payment server 100 acquires the balance of a dedicated account (virtual account) linked to a target user (for example, user UZ, etc.) to whom the transfer is to be made. Then, the payment server 100 determines whether or not the balance after reflecting the amount of the transferred money in the dedicated account (virtual account) exceeds a predetermined amount.

If the balance of the dedicated account (virtual account) does not exceed a predetermined amount, the payment server 100 performs a charging process to reflect the deposit amount of the transfer to the money balance of the electronic money owned by the target user. do. On the other hand, if the balance in the dedicated account (virtual account) exceeds a predetermined amount, the payment server 100 transfers the amount exceeding the predetermined amount to a bank account linked to the target user in advance. Execute the refund process to transfer the amount of cash.

Furthermore, if the detected transfer money is a payment for salary receipt, the payment server 100 may send a confirmation request to the target user to confirm the details of the transfer. For example, if the source of the transfer payment is different from the workplace or employer that the target user has set in advance, the payment server 100 sends a confirmation notification to the user to confirm whether the payment is for salary receipt. It may also be transmitted to the terminal 10. In this case, if the payment server 100 receives confirmation from the target user, it executes processing such as charging the money balance. In addition, the payment server 100 traces the history of the target user's remittances, and if the remittances for salary receipt are made at irregular timings, the payment server 100 checks whether there is any mistake in the remittance deposit for salary receipt. A confirmation notification may be sent to the user terminal 10 for confirmation. In addition, the payment server 100 traces the history of transfer payments of the target user, and if transfer payments for purposes other than salary are continuously detected at a certain timing, the payment server 100 determines that it is not a mistake to make a transfer payment for salary receipt. A confirmation notification may be sent to the user terminal 10 to inquire of the target user whether or not this is the case. This can prevent the money transfer service from being used for the wrong purpose.

Further, the payment server 100 may obtain, at a predetermined timing, information indicating the money balance managed based on the salary breakdown for each service user, and notify the affiliated bank of the information. In the event that a funds transfer provider goes bankrupt, a partner bank may guarantee electronic money paid as salary. In such a case, it is useful for the affiliated bank to check the balance of electronic money paid to the user as salary, in that it can grasp the amount that needs to be guaranteed.

Further, the payment server 100 may be able to accept from the user the selection of the amount to be received in electronic money from among the deposit amount of the transfer deposit when applying for the use of the transfer deposit service for receiving salary. In this case, the payment server 100 can process the deposited amount by subtracting the amount received in electronic money and transferring the difference in cash to the target user's bank account.

Additionally, the business operator that operates the payment server 100 must make prior arrangements with partner banks to refuse acceptance of transfer payments if the amount received in one shot exceeds a predetermined amount. You can leave it as is. For example, the payment server 100 transmits to the bank server 20 at a predetermined timing information indicating a predetermined amount of money for which acceptance of deposit into the virtual account is rejected. Note that the predetermined amount may be set for each purpose of use (transfer payment service).

Further, the payment server 100 may obtain from the bank server 20 information regarding transfer payments for which the bank server 20 has performed a process of refusing receipt of payments to the virtual account. For example, in a money transfer service for salary receipt, if the deposit amount for one shot exceeds a predetermined amount, the payment server 100 determines that there is a high probability that the deposit amount will exceed the predetermined amount the next time as well. In this case, the payment server 100 sends a confirmation notice to the target user associated with the virtual account to which the transfer payment is to be made, asking whether or not to continue using the transfer payment service for receiving salary next time. . This prevents the affiliated bank from refusing to accept a next deposit.

(1-5. Example of payment notification)
Hereinafter, an example of notification of a transfer payment using the salary transfer service will be described. The user terminal 10 used by the user UZ displays information according to the user UZ's operations. For example, if a salary is paid to user UZ from business operator C, the user terminal 10 used by user UZ will indicate the salary payment, such as "Salary payment was received from business operator C." Display information. The user terminal 10 used by the user UZ displays detailed information regarding the details of the paid salary according to the user UZ's operations. Thereby, the user UZ can confirm that the coordination of services related to salary has functioned normally.

As described above, when the information processing system 1 receives a salary transfer request from a user, the information processing system 1 performs a management process that allows the employer to manage the user's salary transfer destination by selecting transfer destinations that can be received as electronic money. Register as payment destination information for users registered in the system. Further, the information processing system 1 receives a salary transfer request from a user via an application used when the user uses electronic money. Further, the information processing system 1 may register information on a transfer destination for providing electronic money as salary to a user from an employer's account (corporate account) in an electronic money service.

Further, the information processing system 1 may register any wallet of the user as a transfer destination, or may register any wallet designated by the user. In this case, the information processing system 1 may register a wallet for which the purpose of payment is limited as a transfer destination. Furthermore, when registering multiple wallets as transfer destinations, the information processing system 1 may accept a specification of a percentage of the amount to be deposited into each wallet.

As described above, the information processing system 1 receives a request from a user to receive a salary as electronic money in an electronic money service at a transfer destination that can receive the salary. The information processing system 1 receives the request and presents a list of business operators (companies) that have adopted management systems with which the electronic money service is linked. For example, the information processing system 1 presents a list of companies whose electronic money service allows payroll account registration. The information processing system 1 accepts settings for the amount of money to be received as electronic money. The information processing system 1 receives the selection of a company and displays a screen for receiving login information for a management system linked to the company. The information processing system 1 receives the login information, sends a request for salary account registration including the login information and the salary account to the API prepared by the management system, receives the registration permission from the management system, and if registered, A message to that effect is displayed on the user terminal 10 of the user.

In addition, the information processing system 1 registers a salary account through service cooperation with the management system, and if no money is deposited into the salary account for a certain period of time, the information processing system 1 sends a message saying, ``If the user changes jobs, the user will be transferred to a new company.'' It is also possible to send a notification to the user saying, ``Cooperation is possible.'' Further, the information processing system 1 may notify the salary transfer start date. Further, the information processing system 1 may present information for confirming when the funds will be transferred on the procedure completion screen. If the reflection time differs depending on the management system (company), the information processing system 1 may store the response deadline for each and calculate and notify the next transfer date based on it. Further, the information processing system 1 may acquire information on when the reflection will start from the API of the management system and notify the information.

Further, the information processing system 1 may display a screen prepared for each employer such as a company. For example, the information processing system 1 may display a contact information for login information or a URL (Uniform Resource Locator) where the login information can be confirmed. Such information is information that is used in the information processing system 1 when the user cannot log in to the personnel management system 30 or when the user has forgotten the login ID. For example, the user can check his or her own login information necessary for logging into the personnel management system 30 using a contact information for login information, a URL where the login information can be checked, or the like.

Furthermore, if the management system supports electronic money payment of salary, the information processing system 1 may register an account at an electronic money service as a transfer destination. In this case, the information processing system 1 stores salary accounts (bank accounts) and whether or not they support electronic money for each management system to be linked. Register your electronic money service account as a transfer destination. Alternatively, the information processing system 1 may accept the user's selection of whether to link a salary account or an electronic money service account.

[2. Payment server configuration]
Next, the configuration of the payment server 100 will be described using FIG. 4. FIG. 4 is a diagram illustrating a configuration example of a payment server according to an embodiment. As shown in FIG. 4, payment server 100 includes a communication section 110, a storage section 120, and a control section 130.

(About communication department 110)
The communication unit 110 is realized 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 the user terminal 10, the bank server 20, and the like.

(About storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory, or a storage device such as a hard disk or an optical disk. As shown in FIG. 4, the storage unit 120 includes a virtual account information storage unit 121, a user information storage unit 122, an account information storage unit 123, and a collaboration information storage unit 124.

(About virtual account information storage unit 121)
The virtual account information storage unit 121 stores information regarding a virtual account lent by a partner bank. FIG. 5 is a diagram illustrating an example of information stored in the virtual account information storage unit according to the embodiment. As shown in FIG. 5, the information regarding the virtual account stored in the virtual account information storage unit 121 includes an item of "virtual account number" and an item of "status."

The "virtual account number" item stores an account number unique to each of a plurality of virtual accounts linked to the same bank account owned by the business operator that operates the payment server 100 at the affiliated bank. Note that this virtual account does not have the function of a bank account, but is unique number information for specifying the transfer destination (remittance destination), and functions as a dedicated account for receiving various transfers. The "Status" item stores information indicating whether the account number indicating the corresponding virtual account is in use (assigned to a service user).

For example, FIG. 4 shows that among the virtual account numbers, "111111," "111112," and "111113" are in use, and "999999" is unused.

(About the user information storage unit 122)
The user information storage unit 122 stores user information regarding service users of the money transfer service. FIG. 6 is a diagram illustrating an example of information stored in the user information storage unit according to the embodiment. As shown in FIG. 6, the user information stored in the user information storage unit includes items such as "user ID", "virtual account (account number)", and "user name". , "Work place/employer", "Employee number", "Internal name", "Amount to be received (10,000 yen)", and "Refund bank account". It has multiple items such as item. These items included in the user information are associated with each other.

The "user ID" item stores identification information unique to the service user of the money transfer service. The "virtual account (account number)" item stores information on an account number indicating a virtual account assigned to a service user. The "user name" item stores information indicating the name of the service user.

The "workplace/employer" item stores information indicating the name of the company where the service user works and the employer who employs the service user. It is assumed that the information regarding the place of work and employer will be used to confirm the source of the transfer in the transfer payment service for receiving salary.

The "employee number" item stores information indicating the employee number assigned to the service user at the workplace. It is assumed that the employee number will be used as a key to verify the identity of the person making the transfer if there is an error in the transfer.

Information indicating the name of the service user at the workplace is stored in the "Name within the company" field. It is assumed that the name within the company will be used to confirm the account holder designated as the remittance recipient.

The item "Amount to be received (10,000 yen)" stores information indicating the amount of salary that the service user is scheduled to receive from his/her place of work or employer. It is assumed that the received amount is used to adjust the amount in advance so that it does not exceed a predetermined amount.

The item "Bank account for refund" stores information indicating the bank account owned by the service user. The bank account stored in the "Bank account for refund" item will be used if the amount deposited in a single transfer via the transfer payment service exceeds the specified amount, or if the balance of the virtual account after reflecting the deposit amount is the specified amount. If the balance exceeds the predetermined amount, the amount will be refunded in cash equivalent to the amount that exceeds the predetermined amount. Please note that the "workplace/employer" field, "employee number" field, "internal name" field, "amount to be received (10,000 yen)" field, and "refund bank account" field are Information corresponding to the item is stored when the service user applies for the use of a transfer deposit service for receiving salary.

According to FIG. 6, the account number of the virtual account for transfer that is assigned to the service user identified by the user ID: "U001" is "111112", and the name is "Tokyo Kenichi", It is shown that the "bank account for refund" is "regular account of Bank D △△ branch *****".

Further, according to FIG. 6, the account number of the virtual account for salary transfer assigned to the service user (for example, user UY) identified by the user ID: "U002" is "111113", and the name has been shown to be 'Isho Sakurako'. In addition, the service user identified by user ID: "U002" has an employer (workplace) of company C, an employee number of employee #EX-2, and an internal name of "Isho Sakura Co., Ltd." ” has been shown to be. In addition, the service user identified by the user ID: "U002" will receive an amount of "300,000" and the "refund bank account" is "E Bank ○○ branch ordinary account ＊＊＊＊＊ *".

Further, according to FIG. 6, the account number of the virtual account for salary transfer assigned to the service user (for example, user UZ) identified by the user ID: "U003" is "111111", and the name has been shown to be "Shohyojin". In addition, the service user identified by user ID: "U003" has an employer (workplace) of company C, an employee number of employee #EX-3, and an internal name of "Shohyou". It is shown that it is a gin. In addition, the service user identified by the user ID: "U003" will receive an amount of "250,000" and the "refund bank account" is "E Bank □□ branch ordinary account ＊＊＊＊＊ *".

(About account information storage unit 123)
The account information storage unit 123 stores various information (account information) regarding electronic money accounts (wallets) owned by service users in electronic payment services. FIG. 7 is a diagram illustrating an example of information stored in the account information storage unit according to the embodiment. As shown in FIG. 7, the account information stored in the account information storage unit 123 includes multiple items such as "Account ID", "Owner ID", "Balance", and "Breakdown". The account information has items, and these items included in the account information are correlated with each other.

Identification information for identifying an electronic money account (wallet) is stored in the "account ID" item. The "owner ID" item stores identification information for identifying the owner of the electronic money account (settlement account) linked to the account ID. The same information as the information stored in the user ID field may be stored in the "owner ID" field.

The "balance" item stores information indicating the money balance (total balance) of electronic money recorded in the electronic money account (settlement account). The “details” item stores information indicating the details of the money balance. For example, the "Breakdown" item corresponds to wallets that are classified according to usage. Specifically, the "breakdown" item includes a "salary" item and a "non-salary" item. That is, the electronic money account (wallet) includes a wallet corresponding to "salary" and a wallet corresponding to "other than salary." The "salary" item stores information indicating the balance of digital money transferred as salary through a transfer payment service for receiving salary. The "other than salary" item stores information indicating the balance of digital money transferred as non-salary through the transfer payment service.

According to FIG. 7, the owner of the electronic money account identified by "account ID": "account 001" is the service user identified by owner ID: "U001", and the money balance is "100, 000'', indicating that all of the details are other than salary.

(About the cooperation information storage unit 124)
The cooperation information storage unit 124 stores various information regarding cooperation of services related to salary payment. FIG. 8 is a diagram illustrating an example of information stored in the collaboration information storage unit according to the embodiment. As shown in FIG. 8, the cooperation information stored in the cooperation information storage unit 124 includes a plurality of items such as the item "corresponding salary payment source" and the item "installation system".

The "corresponding salary payment source" item stores information indicating salary payment sources with which services related to salary payment can be linked. For example, in the "Supported Salary Payment Source" item, information indicating employment by a business operator or the like that has introduced a human resources management system capable of linking services related to salary payment is stored.

The "Introduced System" item stores information indicating the personnel management system introduced by the corresponding salary payer. For example, the "Introduced System" item stores information indicating a personnel management system that has been introduced by an employer such as a business operator.

According to FIG. 8, it is shown that business operator A, which is a "corresponding salary payment source", has introduced a human resources management system #1 that allows coordination of services related to salary payments.

(About the control unit 130)
The control unit 130 is a controller, and for example, various programs stored in the storage device inside the payment server 100 use the RAM as a work area by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit). This is achieved through execution. Further, the control unit 130 may be realized by, for example, an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 4, the control unit 130 according to the embodiment includes a reception unit 131, a transfer destination determination unit 132, a reflection unit 133, a management unit 134, and a provision unit 135. , realizes or executes the information processing functions and operations described below.

(About reception department 131)
The reception unit 131 receives various information necessary for processing. The reception unit 131 receives various information from users, merchants, and the like. The reception unit 131 receives various information from an external information processing device such as a device included in the user terminal 10, the bank server 20, or the personnel management system 30.

The reception unit 131 acquires various information necessary for processing. The reception unit 131 acquires various information from the storage unit 120. The reception unit 131 receives various information from external information processing devices such as devices included in the user terminal 10, the bank server 20, and the human resources management system 30.

The reception unit 131 receives a salary transfer request from a user. The reception unit 131 receives a salary transfer request from a user via an application used when the user uses electronic money. The reception unit 131 receives information about an employer who employs a user. For example, the reception unit 131 receives administrator information including information indicating the personnel management system 30 introduced by the employer who employs the user from an employer device used by the employer. The reception unit 131 receives information for the user to log into the personnel management system 30 from the user. For example, the reception unit 131 receives information including an employee number and a password used by the user to log into the personnel management system 30 from the user terminal 10 used by the user.

The reception unit 131 selects a service from among a plurality of virtual accounts linked to the same bank account owned by a business operator (a business providing a money transfer service) at a partner bank (an example of a "financial institution"). Accepts transfer payments to a dedicated account (virtual account) individually assigned to each user. When a transfer payment is detected, the reception unit 131 determines the transfer destination based on information such as the account number indicating the dedicated account (virtual account) where the transfer payment was accepted, the account holder of the transfer destination (remittance destination), and the deposit amount. 132 or reflection section 133.

If the amount received in one transfer exceeds a predetermined amount, the reception unit 131 requests the affiliated bank to refuse to accept the transfer. If the balance of the virtual account after reflecting the deposited amount exceeds a predetermined amount, the reception unit 131 sets the bank account linked to the service user in advance as the remittance destination, and transfers the amount that exceeds the predetermined amount. Transfer the corresponding amount of cash. If the detected transfer is for receiving a salary, the reception unit 131 may send a confirmation request to the target user to confirm the details of the transfer.

(Regarding the transfer destination determination unit 132)
The transfer destination determination unit 132 performs various judgments (judgments) regarding the transfer destination. The transfer destination determination unit 132 uses the information stored in the storage unit 120 to determine whether there is a transfer destination. The transfer destination determination unit 132 makes a determination using various information acquired by the reception unit 131. The transfer destination determination unit 132 determines whether there is a transfer destination of the user that can be used as a salary transfer destination. The transfer destination determination unit 132 determines whether there is a transfer destination linked to the user's payment service account.

(About the reflection unit 133)
The reflection unit 133 allows the employer who employs the user to manage the salary transfer destination, which is a transfer destination that can receive electronic money, based on the salary transfer request received from the user. This will be reflected as the transfer destination of the user registered in the personnel management system 30 used for the purpose of doing so. The reflection unit 133 transmits the payee information indicating the payee's payee to the human resources management system 30, and causes the personnel management system 30 to register the payee's payee as the user's payee. reflect it as a destination.

When there is no transfer destination of the user that can be used as a salary transfer destination, the reflection unit 133 associates the transfer destination that can be used as a salary transfer destination with information related to the user, and sets the transfer destination as the salary transfer destination. It is reflected as the transfer destination of the user registered in the personnel management system 30. If the user has a payee that can be used as a payee, the reflecting unit 133 reflects the payee as the user's payee that is registered in the human resources management system 30.

The reflection unit 133 reflects the bank account that can receive electronic money as the transfer destination of the user registered in the human resources management system 30. When there is no bank account of the user that can be used as a salary transfer destination, the reflection unit 133 associates a virtual account that is a bank account that can be used as a salary transfer destination with information related to the user, and uses the virtual account as a salary transfer destination. The transfer destination is reflected as the transfer destination of the user registered in the personnel management system 30.

The reflection unit 133 reflects the account in the electronic money service as the transfer destination of the user registered in the personnel management system 30. If the personnel management system 30 is capable of paying salaries in electronic money, the reflecting unit 133 reflects the user's account as the payment destination of the user registered in the personnel management system 30 as the payment destination of the salary. .

The reflection unit 133 executes processing according to the determination result by the transfer destination determination unit 132. The reflecting unit 133 executes a process of reflecting the transfer destination according to the determination result by the transfer destination determining unit 132. The reflection unit 133 identifies the personnel management system 30 corresponding to the employer based on the employer's information. The reflecting unit 133 reflects the salary transfer destination as the user's transfer destination registered in the personnel management system 30 specified based on the employer's information. The reflection unit 133 uses the information for the user to log into the human resources management system 30 to reflect the salary transfer destination as the user's transfer destination registered in the human resources management system 30. When the receiving unit 131 detects a transfer, the reflecting unit 133 reflects the transfer against the money balance indicating the balance of electronic money owned by the service user associated with the dedicated account (virtual account) in advance. Reflect the deposit amount.

(About the management department 134)
The management unit 134 manages information related to services provided by the information processing system 1. The management unit 134 manages information related to users. The management unit 134 manages information related to users who use electronic money services. The management unit 134 manages various information such as the user's bank account in association with the user's account (for example, account ID, etc.) in the electronic money service.

For example, when the management unit 134 receives a request to create a dedicated account (virtual account) from a service user, the management unit 134 selects one of the unused virtual accounts lent out in advance from a partner bank. A virtual account arbitrarily selected from the above is arbitrarily assigned as a dedicated account (virtual account) corresponding to the service user who requested creation, and account information for identifying the assigned dedicated account (virtual account) and service usage are provided. The user is managed in association with identification information unique to the user (for example, user ID).

The management unit 134 may allocate a dedicated account (virtual account) for each purpose of use (deposit money other than salary, receipt of salary, etc.). If the purpose of use is not to receive a salary, the management unit 134 may allocate a dedicated account (virtual account) with a preset usage period. The management unit 134 may manage the money balance linked to the dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account).

(About the provision section 135)
The providing unit 135 provides various information. For example, the providing unit 135 provides various information to an external information processing device such as a device included in the user terminal 10, the bank server 20, or the human resources management system 30. The providing unit 135 transmits various information to external information processing devices such as devices included in the user terminal 10, bank server 20, and personnel management system 30.

The providing unit 135 provides information related to salary transfer. The providing unit 135 notifies the user regarding non-use of the salary remittance if there is no deposit to the remittance for a certain period of time after the salary remittance is reflected in the personnel management system 30. The providing unit 135 provides the user with information indicating the scheduled time for completion of reflection of the salary transfer destination in the personnel management system 30.

If the salary transfer destination cannot be reflected in the personnel management system 30, the providing unit 135 provides the user with information regarding the impossibility of cooperation with the personnel management system 30. When there are multiple payees that can be used as salary transfer destinations, the providing unit 135 provides information for allowing the user to select the payee destination to be used as the salary transfer destination. The providing unit 135 transmits information related to salary transfer to the user terminal 10 used by the user.

[3. Processing procedure example]
An example of the processing procedure in the payment server 100 according to the embodiment will be described below. FIG. 9 is a flowchart illustrating an example of an information processing procedure executed by the payment server according to the embodiment.

As shown in FIG. 9, if the payment server 100 has not received a salary transfer request from the user (step S101; No), it waits until it receives a salary transfer request from the user.

When the payment server 100 receives a salary transfer request from the user (step S101; Yes), the user's employer transfers the user's salary to the target transfer destination, which is a transfer destination that can receive electronic money. The transfer destination is reflected as the transfer destination of the user registered in the management system used for managing the transfer destination (step S102), and the processing procedure shown in FIG. 9 ends.

[4. Modified example]
(4-1. Regarding recycling of virtual accounts)
In the above-described embodiment, the payment server 100 cancels the allocation of the dedicated account (virtual account) that is in use and does not allow the use of the transfer deposit service for a certain period of time to the service user. It may be in an unused state. Further, the payment server 100 may cancel the allocation only for dedicated accounts (virtual accounts) that are in use for transfer services other than salary.

(4-2. Regarding the configuration of information processing system 1)
In the above-described embodiment, an example has been described in which the payment server 100 included in the information processing system 1 performs processing related to an electronic payment service as well as processing related to a transfer payment service. However, the configuration of the information processing system 1 according to the embodiment does not need to be particularly limited to such an example, and the server device that performs processing related to the electronic payment service and the server device that performs processing related to the money transfer service may be configured. , may be physically different individual servers, or may be server devices belonging to different systems. In this case, the respective server devices are communicably connected to each other so that they can exchange information necessary for their respective processes.

Further, the information processing system 1 may not include the personnel management system 30. In this case, the information processing device such as the payment server 100 of the information processing system 1 requests the human resources management system 30 outside the information processing system 1 to register the transfer destination of the user's salary. You can also have them do it. For example, an information processing device such as the payment server 100 communicates with an arbitrary device such as a server device included in the human resources management system 30, and requests the device to register, thereby registering the transfer destination of the user's salary. It may be performed by the device of the personnel management system 30.

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

Further, each component of each device shown in the drawings is functionally conceptual, and does not necessarily need to be physically configured as shown in the drawings. In other words, the specific form of distributing and integrating each device is not limited to what is shown in the diagram, and all or part of the devices can be functionally or physically distributed or integrated in arbitrary units depending on various loads and usage conditions. Can be integrated and configured.

Furthermore, the embodiments described above can be combined as appropriate within a range that does not conflict with the processing contents.

[5. effect〕
As described above, the payment server 100 according to the embodiment, which is an example of an information processing device, includes the reception section 131 and the reflection section 133. The reception unit 131 receives a salary transfer request from a user. The reflection unit 133 allows the employer who employs the user to manage the salary transfer destination, which is a transfer destination that can receive electronic money, based on the salary transfer request received from the user. This will be reflected as the transfer destination of the user registered in the management system (in the embodiment, the "personnel management system 30" and the same applies hereinafter) used for the transfer.

Thereby, the payment server 100 according to the embodiment can provide a scheme for receiving a salary in electronic money without placing a burden on the payee, that is, the user, and can promote the use of digital salary payment. Furthermore, the scheme provided to service users by the payment server 100 according to the embodiment makes it possible to easily receive various payments such as salaries in electronic money, which has the effect of further enhancing the superiority of electronic money. You can expect it.

Furthermore, in the payment server 100 according to the embodiment, the reception unit 131 receives a salary transfer request from a user via an application used when the user uses electronic money.

As a result, the payment server 100 according to the embodiment can accept a request for salary transfer from a user using an application that uses electronic money, thereby reducing the burden on the user required to transition to digital payment of salary. can promote the use of digital payroll payments.

Further, in the payment server 100 according to the embodiment, the reflection unit 133 transmits the payee information indicating the payee's payee to the management system, and causes the management system to register the payee's payee as the user's payee. Reflect the transfer destination as the user's transfer destination.

Thereby, the payment server 100 according to the embodiment sends the payee information indicating the user's salary transfer destination to the management system such as the human resources management system 30, and registers the salary transfer destination as the user's transfer destination in the management system. Therefore, the burden on users required to transition to digital salary payment can be reduced, and the use of digital salary payment can be promoted.

Furthermore, the payment server 100 according to the embodiment includes a transfer destination determination unit 132 that determines whether there is a transfer destination of the user that can be used as a salary transfer destination. When there is no transfer destination of the user that can be used as a salary transfer destination, the reflection unit 133 associates the transfer destination that can be used as a salary transfer destination with information related to the user, and sets the transfer destination as the salary transfer destination. It will be reflected as the transfer destination of the user registered in the management system.

Thereby, the payment server 100 according to the embodiment determines whether or not there is a user's transfer destination that can be used as a salary transfer destination, and if there is no user's transfer destination that can be used as a salary transfer destination, By issuing (renting out) a bank account that can be used as a bank transfer destination, the bank can be associated with information related to the user and can be used as a salary bank, allowing the user to select the appropriate bank account. Even if the user does not have a system, the transition to digital salary payment can be made without any burden on the user, and the use of digital salary payment can be promoted.

Furthermore, in the payment server 100 according to the embodiment, if the user has a payee that can be used as a payee, the reflecting unit 133 reflects the payee's payee as the user's payee registered in the management system. let

As a result, if the payment server 100 according to the embodiment has a payee that can be used as a salary transfer destination for the user, by using that transfer destination, the payment server 100 can shift the salary to digital payment without any burden on the user. This can encourage the use of digital payroll payments.

Furthermore, in the payment server 100 according to the embodiment, the transfer destination determination unit 132 determines whether there is a transfer destination linked to the user's payment service account.

Thereby, the payment server 100 according to the embodiment can appropriately determine the remittance destination that can be used as the salary remittance destination by determining whether there is a remittance destination linked to the user's payment service account. It can encourage the use of digital payroll payments.

Further, in the payment server 100 according to the embodiment, the reflection unit 133 reflects the bank account that can receive electronic money as the transfer destination of the user registered in the management system.

Thereby, the payment server 100 according to the embodiment can provide a scheme for receiving a salary in electronic money without placing a burden on the payee, that is, the user, and can promote the use of digital salary payment.

Furthermore, in the payment server 100 according to the embodiment, when there is no bank account of the user that can be used as a salary transfer destination, the reflection unit 133 associates a virtual account that is a bank account that can be used as a salary transfer destination with the user. The virtual account is associated with the information to be transferred to the user's salary and reflected as the transfer destination for the user registered in the management system.

As a result, when the user does not have a bank account that can be used as a salary transfer destination, the payment server 100 according to the embodiment associates a virtual account that can be used as a salary transfer destination with information related to the user. Since it can be used as a salary transfer destination, even if the user does not have an appropriate salary transfer destination, it is possible to transition to digital salary payment without any burden on the user, and use digital salary payment. can be promoted.

Furthermore, in the payment server 100 according to the embodiment, the reflection unit 133 reflects the account in the electronic money service as the transfer destination of the user registered in the management system.

Thereby, the payment server 100 according to the embodiment can provide a scheme for receiving a salary in electronic money without placing a burden on the payee, that is, the user, and can promote the use of digital salary payment.

In addition, in the payment server 100 according to the embodiment, if the management system allows payment of salary in electronic money, the reflection unit 133 sets the user's account as the salary transfer destination and uses the usage registered in the management system. will be reflected as the transfer destination of the person.

As a result, if the management system is capable of paying salaries in electronic money, the payment server 100 according to the embodiment can digitally pay salaries without any burden on the user by using the user's account as the salary transfer destination. , and encourage the use of digital payroll payments.

Furthermore, in the payment server 100 according to the embodiment, the reception unit 131 receives information on an employer who employs the user. The reflection unit 133 identifies the management system corresponding to the employer based on the employer's information.

Thereby, the payment server 100 according to the embodiment can identify the management system corresponding to the employer based on the information of the employer who employs the user, and therefore can identify the management system that should be appropriately reflected. Therefore, it is possible to provide a scheme for receiving salaries in electronic money without placing any burden on the payee, that is, the user, and promote the use of digital salary payments.

The reception unit 131 receives information for the user to log into the management system from the user. The reflecting unit 133 reflects the salary transfer destination as the user's transfer destination registered in the management system, using information for the user to log into the management system.

As a result, the payment server 100 according to the embodiment reflects the salary transfer destination as the user's transfer destination registered in the management system using the information for the user to log into the management system. It is possible to provide a scheme for receiving salaries in electronic money without placing any burden on the payee, i.e., the user, and promote the use of digital salary payments.

Further, the payment server 100 according to the embodiment includes a providing unit 135. The providing unit 135 provides information related to salary transfer.

Thereby, the payment server 100 according to the embodiment can improve convenience when receiving salary in electronic money, and can promote the use of digital payment of salary.

In addition, in the payment server 100 according to the embodiment, the providing unit 135 may request that the user not use the salary transfer destination if there is no deposit to the salary transfer destination within a certain period of time after the salary transfer destination is reflected in the management system. To give notice regarding.

Thereby, the payment server 100 according to the embodiment can improve convenience when receiving salary in electronic money, and can promote the use of digital payment of salary.

Furthermore, in the payment server 100 according to the embodiment, the providing unit 135 provides the user with information indicating the scheduled time for completion of reflecting the salary transfer destination in the management system.

Thereby, the payment server 100 according to the embodiment can improve convenience when receiving salary in electronic money, and can promote the use of digital payment of salary.

Furthermore, in the payment server 100 according to the embodiment, when the salary transfer destination cannot be reflected in the management system, the providing unit 135 provides the user with information regarding the inability to cooperate with the management system.

Thereby, the payment server 100 according to the embodiment can improve convenience when receiving salary in electronic money, and can promote the use of digital payment of salary.

Furthermore, in the payment server 100 according to the embodiment, the providing unit 135 provides information for allowing the user to select the transfer destination to be used as the salary transfer destination when there are multiple transfer destinations that can be used as the salary transfer destination. .

Thereby, the payment server 100 according to the embodiment can improve convenience when receiving salary in electronic money, and can promote the use of digital payment of salary.

Furthermore, in the payment server 100 according to the embodiment, the providing unit 135 transmits information related to salary transfer to a terminal device used by the user (in the embodiment, the same applies below to "user terminal 10").

Thereby, the payment server 100 according to the embodiment can improve convenience when receiving salary in electronic money, and can promote the use of digital payment of salary.

[6. Hardware configuration]
Further, the payment server 100 according to the present embodiment described above is realized by, for example, a computer 1000 having a configuration as shown in FIG. FIG. 10 is a hardware configuration diagram showing an example of a computer that implements the functions of the payment server according to the embodiment.

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.

CPU 1100 operates based on a program stored in ROM 1300 or HDD 1400, and controls each part. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started, programs 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 sends data generated by CPU 1100 to other devices via communication network 500. Send to device.

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and mouse via an input/output interface 1600. CPU 1100 obtains data from an input device via input/output interface 1600. Further, 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 this 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 disk), 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 the computer 1000 functions as the payment server 100, the CPU 1100 of the computer 1000 realizes the functions of the control unit 130 by executing a program loaded onto the RAM 1200. That is, the CPU 1100 realizes the processing by the payment server 100 according to the present embodiment in cooperation with a program (for example, an information processing program) loaded onto the RAM 1200. Further, each data in the storage device of the payment server 100 is stored in the HDD 1400. The CPU 1100 of the computer 1000 reads these programs from the recording medium 1800 and executes them, but as another example, these programs may be acquired from another device via a predetermined communication network.

[7. others〕
Some of the embodiments of the present application have been described above in detail based on the drawings, but these are merely examples, and various modifications and variations can be made based on the knowledge of those skilled in the art, including the embodiments described in the disclosure section of the invention. It is possible to carry out the invention in other forms with modifications.

Furthermore, the configuration of the payment server 100 described above can be changed flexibly, such as implementing some functions by calling an external platform using an API (Application Programming Interface), network computing, or the like.

Further, the "unit" described in the claims can be read as "means", "circuit", etc. For example, the control section can be read as a control means or a control circuit.

1 Information processing system 10 User terminal 20 Bank server 30 Human resources management system 100 Settlement server 110 Communication unit 120 Storage unit 121 Virtual account information storage unit 122 User information storage unit 123 Account information storage unit 124 Cooperation information storage unit 130 Control unit 131 Reception section 132 Transfer destination judgment section 133 Reflection section 134 Management section 135 Provision section

Claims (19)

A reception department that accepts salary transfer requests from users,
Based on the salary transfer request received from the user, the employer who employs the user receives the transfer destination information indicating the salary transfer destination that can receive electronic money. By transmitting the data to the management system used to manage the transfer destination, the salary transfer destination indicated by the transfer destination information is requested to be registered as the transfer destination for registration, and the management system is requested to register the salary transfer destination. a reflecting unit that reflects the salary transfer destination as the user's transfer destination registered in the management system by registering the salary transfer destination as the user's transfer destination;
has
The reception department is
receiving information on the employer who employs the user;
The reflecting section is
Based on the employer's information, each employer and the management system used by each employer refer to the information registered in the storage unit in advance in association with each other, and An information processing device , characterized in that the information processing device specifies a management system that has been assigned to the employer as the management system that corresponds to the employer . A reception department that accepts salary transfer requests from users,
Based on the salary transfer request received from the user, the employer who employs the user receives the transfer destination information indicating the salary transfer destination that can receive electronic money. By transmitting the data to the management system used to manage the transfer destination, the salary transfer destination indicated by the transfer destination information is requested to be registered as the transfer destination for registration, and the management system is requested to register the salary transfer destination. a reflecting unit that reflects the salary transfer destination as the user's transfer destination registered in the management system by registering the salary transfer destination as the user's transfer destination;
a provision department that provides information related to the salary transfer;
has
The provision department is
If there is no deposit to the salary remittance for a certain period of time after the salary remittance is reflected in the management system, the user is notified of non-use of the salary remittance. information processing equipment. The reception department is
The information processing device according to claim 1, wherein a request for transferring the salary is accepted from the user via an application used by the user when using the electronic money. a transfer destination determination unit that determines whether there is a transfer destination of the user that can be used as the salary transfer destination;
has
The reflecting section is
If there is no transfer destination of the user that can be used as the salary transfer destination, associate the transfer destination that can be used as the salary transfer destination with information related to the user, and set the transfer destination as the salary transfer destination, The information processing device according to claim 1, wherein the information processing device is reflected as a transfer destination of the user registered in the management system. The reflecting section is
5. If the user has a payee that can be used as the payee, the payee is reflected as the user's payee that is registered in the management system. information processing equipment. The remittance determination department is
5. The information processing device according to claim 4, further comprising: determining whether there is a transfer destination linked to the user's payment service account. The reflecting section is
The information processing apparatus according to claim 1, wherein a bank account that can receive the electronic money is reflected as a transfer destination of the user registered in the management system. The reflecting section is
If there is no bank account of the user that can be used as the salary transfer destination, a virtual account that is a bank account that can be used as the salary transfer destination is associated with information related to the user, and the virtual account is used as the salary transfer destination. 8. The information processing apparatus according to claim 7, wherein the transfer destination is reflected as a transfer destination of the user registered in the management system. The reflecting section is
The information processing apparatus according to claim 1, wherein an account in the electronic money service is reflected as a transfer destination of the user registered in the management system. The reflecting section is
If the management system is capable of paying the salary in electronic money, the account of the user is reflected as the salary transfer destination of the user registered in the management system. The information processing device according to claim 9, characterized by: The reception department is
receiving information from the user for the user to log into the management system;
The reflecting section is
According to claim 1, the salary transfer destination is reflected as the user's transfer destination registered in the management system using information for the user to log into the management system. information processing equipment. The provision department is
The information processing device according to claim 2 , further comprising: providing the user with information indicating a scheduled time for completion of reflection of the salary transfer destination in the management system. The provision department is
The information processing according to claim 2 , characterized in that, when there are a plurality of remittances that can be used as the salary remittance, information for allowing the user to select a remittance to be used as the salary remittance is provided. Device. The salary transfer destination indicated by the transfer destination information is a bank account or an electronic money account linked to the user and capable of receiving the electronic money.
The information processing device according to claim 1, characterized in that: The bank account to which the salary is transferred indicated by the transfer destination information and which can receive the electronic money is a virtual account, and when the money is deposited into the virtual account, the user's electronic money account is linked to the virtual account. The amount deposited will be charged to your balance.
The information processing device according to claim 1, characterized in that: An information processing method performed by a computer, the method comprising:
A reception process of accepting a salary transfer request from a user,
Based on the salary transfer request received from the user, the employer who employs the user receives the transfer destination information indicating the salary transfer destination that can receive electronic money. By transmitting the data to the management system used to manage the transfer destination, the salary transfer destination indicated by the transfer destination information is requested to be registered as the transfer destination for registration, and the management system is requested to register the salary transfer destination. a reflection step of reflecting the salary transfer destination as the user's transfer destination registered in the management system by registering the salary transfer destination as the user's transfer destination;
including
The reception process includes:
receiving information on the employer who employs the user;
The reflection process includes:
Based on the employer's information, each employer and the management system used by each employer refer to the information registered in the storage unit in advance in association with each other, and An information processing method characterized in that a management system corresponding to the employer is identified as the management system corresponding to the employer . A reception procedure for accepting a salary transfer request from a user,
Based on the salary transfer request received from the user, the employer who employs the user receives the transfer destination information indicating the salary transfer destination that can receive electronic money. By transmitting the data to the management system used to manage the transfer destination, the salary transfer destination indicated by the transfer destination information is requested to be registered as the transfer destination for registration, and the management system is requested to register the salary transfer destination. a reflection procedure for reflecting the salary transfer destination as the user's transfer destination registered in the management system by registering the salary transfer destination as the user's transfer destination;
make the computer run
The reception procedure is as follows:
receiving information on the employer who employs the user;
The reflection procedure is as follows:
Based on the employer's information, each employer and the management system used by each employer refer to the information registered in the storage unit in advance in association with each other, and an information processing program for specifying a management system that corresponds to the employer ; An information processing method performed by a computer, the method comprising:
A reception process of accepting a salary transfer request from a user,
Based on the salary transfer request received from the user, the employer who employs the user receives the transfer destination information indicating the salary transfer destination that can receive electronic money. By transmitting the data to the management system used to manage the transfer destination, the salary transfer destination indicated by the transfer destination information is requested to be registered as the transfer destination for registration, and the management system is requested to register the salary transfer destination. a reflection step of reflecting the salary transfer destination as the user's transfer destination registered in the management system by registering the salary transfer destination as the user's transfer destination;
a providing step of providing information related to the salary transfer;
including;
The providing step includes:
If there is no deposit to the salary remittance for a certain period of time after the salary remittance is reflected in the management system, the user is notified of the non-use of the salary remittance.
An information processing method characterized by: A reception procedure for accepting a salary transfer request from a user,
Based on the salary transfer request received from the user, the employer who employs the user receives the transfer destination information indicating the salary transfer destination that can receive electronic money. By transmitting the data to the management system used to manage the transfer destination, the salary transfer destination indicated by the transfer destination information is requested to be registered as the transfer destination for registration, and the management system is requested to register the salary transfer destination. a reflection procedure for reflecting the salary transfer destination as the user's transfer destination registered in the management system by registering the salary transfer destination as the user's transfer destination;
a provision procedure for providing information related to the salary transfer;
make the computer run
The provision procedure is as follows:
If there is no deposit to the salary remittance for a certain period of time after the salary remittance is reflected in the management system, the user is notified of the non-use of the salary remittance.
Information processing program for.

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