WO2020262268A1

WO2020262268A1 - Distribution management system, distribution management method, user terminal, and program thereof

Info

Publication number: WO2020262268A1
Application number: PCT/JP2020/024274
Authority: WO
Inventors: 高崎　義一
Original assignee: ドレミング合同会社
Priority date: 2019-06-24
Filing date: 2020-06-21
Publication date: 2020-12-30
Also published as: JP2021002304A

Abstract

[Problem] To provide a technology for appropriate management of digital money charged into a digital wallet provided to a communication terminal such that the digital money is preferentially spent for payment of a debt. [Solution] A user terminal 20 has a first digital wallet W1 in which digital money without restrictions on purpose of spending is saved and a second digital wallet W2 in which digital money with restrictions on purpose of spending is saved. Upon reception of debt information such as a creditor, billed amount, and payment deadline, the user terminal 20 registers this information in a debt information storage unit. In addition, upon acquisition of digital money, the user terminal 20 calculates the total billed amount registered in the debt information storage unit, specifies the balance managed in the second digital wallet, saves digital money through preferential distribution to the second digital wallet until a difference between the balance and the total billed amount becomes "0", and saves digital money in the first digital wallet when the difference has become "0".

Description

Distribution management system, distribution management method, user terminal, and its program

The present invention relates to a distribution management system, a distribution management method, a user terminal, and a program thereof. Specifically, the digital money in the digital wallet provided in the communication terminal is preferentially allocated to the payment of debt. Regarding digital money distribution management technology that will be managed appropriately and support planned consumption.

According to the World Bank's 2017 Global Findex report, adults who do not have an account with a legitimate financial institution such as a bank, credit union, credit union, post office, or microfinance institution. The number is estimated to be 1.7 billion. However, poverty and inequality will not be reduced unless financial services are provided to people who do not have accounts at financial institutions, and in order to create a world that has achieved the Sustainable Development Goals (SDGs) advocated by the United Nations. It is said that the concept cannot be realized.

In other words, for people who do not have an account at a financial institution, there is no safe place to save money, and these people tend to have limited use of credit such as credit payments. Also, if you do not have an account at a financial institution, you have no choice but to hold cash, and in this case, even if the money has a fixed purpose such as rent, utilities, and taxes, no measures have been taken to limit its consumption. Therefore, it may be unbearable and unavoidably consumed for another purpose before the due date. As a result, they have to borrow money from money lenders at high interest rates for necessary payments such as rent, utilities, and taxes, and they are in a situation where they cannot easily get out of poverty.

On the other hand, in the above report, two-thirds of those who do not have an account at a financial institution own a mobile phone that can be used to access financial services, and if digital technology is used, the current cash transaction He points out that there is a possibility that these people can be incorporated into the financial system. Even if you do not actually have an account at a financial institution, by installing a digital wallet that allows you to charge digital money in a communication terminal such as a mobile phone, you can use the communication terminal instead of a wallet to make payments. Many such means have been proposed (see, for example, Patent Document 1).

However, in the prior art disclosed in Patent Document 1, it is necessary to have a contract with a credit company when charging digital money to a digital wallet. Therefore, even if a person who has a communication terminal such as a mobile phone has a communication terminal, a person who does not have an account at a financial institution cannot make a contract with a credit company, and therefore cannot use the communication terminal instead of a wallet. Moreover, even if the use of the digital money charged in the digital wallet is decided, no measures are taken to limit the consumption. Therefore, it is not a solution to the poverty and inequality of people who do not have an account at a financial institution.

Further, a means has been proposed in which a plurality of storage units (digital wallets) are provided according to the payment application, and the storage unit of the payment destination is switched each time the payment is made to perform payment processing (for example, Patent Document 2). See).

However, since the prior art disclosed in Patent Document 2 manages digital money according to the payment purpose based on the user's designation, the use of the digital money is restricted unless the user specifies it. Can't. In addition, it is cumbersome and inefficient for the user to specify each use of digital money.

Therefore, by utilizing the communication terminals owned by many people who do not have an account at a financial institution, the digital money charged in the digital wallet provided in the communication terminal will be preferentially used for debt payment. If it becomes possible to manage it properly, it will be a solution to poverty and disparity, but as far as the present inventor knows, no such technique has been proposed so far.

Japanese Patent No. 5550630 Japanese Patent No. 4851835

The present invention has been made in view of the above circumstances, and is appropriately managed so that the digital money charged (deposited) in the digital wallet provided in the communication terminal is preferentially allocated to the payment of debt. By doing so, the purpose is to provide a technology that enables people who do not have an account at a financial institution to efficiently support planned consumption without opening an account.

The distribution management system according to the present invention is a system for performing processing to support the planned consumption of digital money, and the first distribution management system is a user owned by a user who has a payment obligation. The terminal and the sender terminal used by the sender who remits digital money to the user are configured to be able to communicate via a network.

The user terminal stores the digital money with no usage restrictions and manages the balance, and the second digital money storage means for storing the digital money with the usage restrictions and managing the balance. It has a means and a debt information storage means for registering and managing debt information such as the name and name of the creditor, the billing amount, and the payment deadline.

That is, the first digital money storage means stores digital money that can be used for free settlement and manages the balance, and the second digital money storage means uses digital money to pay debts. It stores and manages the balance, and the debt information storage means manages debt information paid by digital money managed by the second digital money storage means.

In addition, the user terminal receives the debt information and registers it in the debt information storage means, and the billing amount registered in the debt information storage means in response to the receipt of the digital money sent from the sender terminal. (That is, the total amount of debt) is calculated, the balance managed by the second digital money storage means is specified, the total of the calculated billing amount is compared with the specified balance, and the difference is The received digital money is preferentially distributed and stored in the second digital money storage means until becomes "0", and when the difference becomes "0", the received (remaining) digital money is first. It has a digital money distribution means to be stored in the digital money storage means of.

Here, the remittance terminal is, for example, a corporate terminal used by a company that employs a user as an employee and pays wages for labor to the employee, or receives a product or service from the user and receives the provision of the product or service. It can be a business partner terminal used by a business partner who pays the consideration.
Such a remittance terminal has a means for remittance of digital money to a user terminal as wages for labor or consideration for goods or services.

Further, in the first distribution management system, when the user terminal uses the digital money stored in the second digital money storage means, the user terminal is a creditor registered in the debt information storage means. , The digital money use permission means for permitting the use of digital money may be further provided.

That is, instead of simply making a payment (remittance) from a second digital money storage means for payment with a restricted use, it is confirmed whether the user is appropriate and appropriate (satisfies the conditions). ) In that case, the use of digital money shall be permitted.

As described above, in the first distribution management system, the user terminal uses the first digital money storage means, the second digital money storage means, the debt information storage means, the debt information receiving means, and the digital money distribution. It is composed of a distribution means, and by dividing the acquired digital money into the first digital money storage means and the second digital money storage means and storing them, the digital money that will be needed later can be appropriately stored. The basic feature is to manage.
In addition, by further providing digital money usage permission means, it is possible to manage appropriately managed digital money so that it is used for appropriate payment.

Further, the distribution management system according to the present invention may be configured to be able to communicate with the distribution management device that manages the payment of the user's debt via a network. That is, the second distribution management system according to the present invention includes a user terminal owned by a user who has a payment obligation, a remittance sender terminal used by a remittance sender who remits digital money to the user, and the like. The distribution management device is configured to be able to communicate via the network.

At this time, in the second distribution management system, the user terminal receives the debt information by the debt information receiving means, and transmits the received debt information together with the user information to the distribution management device. Digital money balance transmission that transmits the balance information of digital money stored in the second digital money storage means to the distribution management device according to the distribution of digital money by the transmission means and the digital money distribution means. When using the means and the digital money stored in the second digital money storage means, the usage amount information is transmitted to the distribution management device together with the usage destination information, and whether or not the digital money can be used from the distribution management device. It also has a digital money usage inquiry means for confirming the availability of digital money by receiving an answer indicating that.

The distribution management device includes user information storage means and user information that store user information that identifies a user in association with debt information such as a creditor, billing amount, and payment deadline related to the user's payment obligation. It has a digital money balance storage means that stores the digital money balance information stored in the second digital money storage means of the user terminal owned by the user in association with the digital money balance information.

Further, the distribution management device has a debt information registration means that receives debt information together with user information from the user terminal and registers and manages the debt information in the user information storage means based on the user information. This debt information is the same as the debt information registered and managed by the user terminal in the debt information storage means, and refers to, for example, creditor information, billing amount information, and payment deadline information.

Further, the distribution management device receives the digital money balance information together with the user information from the user terminal, and registers the digital money balance information in the digital money balance storage means based on the user information. It also has a means of registration.

Further, the distribution management device receives an inquiry from the user terminal to confirm the availability of digital money including the usage amount information together with the usage destination information, and the usage destination is registered by referring to the user information storage means. It is determined whether or not it is a creditor, and whether or not the value of the usage amount is smaller than the value of the registered digital money balance information by referring to the digital money balance storage means, and the creditor for which the user is registered is determined. It also has a means for determining the availability of digital money, which transmits answer information indicating the availability of digital money when the value of the usage amount is smaller than the value of the registered digital money balance information.

As described above, in the second distribution management system, the distribution management device uses the user information storage means, the digital money balance storage means, the debt information registration means, the digital money balance registration means, and the digital money availability determination. Digital money that is appropriately managed by the second digital money storage means of the user terminal by managing the debt information and the balance information of the digital money for each user. However, it can be managed to be used for proper payment.

Then, in the present invention, the distribution management method in the user terminal according to the present invention can be realized by executing the distribution management program that causes the communication terminal to function as the user terminal.

In the first distribution management system according to the present invention, the user terminal serves as a first digital money storage means for storing digital money with no usage restrictions and managing the balance as a digital wallet charged with digital money. , It has a second digital money storage means for storing digital money with limited usage and managing the balance. The charge to these digital wallets calculates the total amount of bills registered in the debt information storage means according to the receipt of digital money, and identifies the balance managed by the second digital money storage means. , These are compared and the received digital money is preferentially distributed and stored in the second digital money storage means until the difference becomes "0", and when the difference becomes "0", it is received. The (remaining) digital money is stored in the first digital money storage means.

Therefore, it is not necessary for the user to specify the digital wallet to which the digital money is charged for each use of the digital money, and the digital wallet is automatically allocated to the payment of the debt according to the receipt of the digital money. Money can be appropriately distributed and managed.

Further, in the second distribution management system according to the present invention, the user terminal is configured to be able to communicate via a distribution management device and a network that manages debt information and digital money balance information allocated to payment of debt. Therefore, when using digital money, it is confirmed to the distribution management device whether the usage destination is appropriate and the usage amount is sufficient (sufficient).

Therefore, when using digital money, if the distribution management device determines that the use of digital money is appropriate (satisfies the conditions), the user terminal is permitted to use digital money. Therefore, digital money will be managed appropriately, and it will be possible to support users for efficient and planned consumption.

Therefore, even people who do not have an account at a financial institution can properly manage the digital money charged in the digital wallet provided in the communication terminal owned by the user without opening an account. , Can support efficient and planned consumption.

It is a block diagram which showed the structure and function of the 1st distribution management system which concerns on this invention. It is a sequence diagram which showed an example in the 1st distribution management system. It is a flowchart which shows an example of the processing in the user terminal which comprises the 1st distribution management system. It is a flowchart which shows an example of the processing in the user terminal which comprises the 1st distribution management system. It is a flowchart which shows an example of the processing in the user terminal which comprises the 1st distribution management system. It is a block diagram which showed the other structure and function of the 2nd distribution management system which concerns on this invention. It is a figure which showed an example of the data which is stored in the debt information storage part provided in the distribution management apparatus which comprises the 2nd distribution management system. It is a figure which showed an example of the data which is stored in the digital money balance information storage part provided in the distribution management apparatus which comprises the 2nd distribution management system. It is a sequence diagram which showed an example in the 2nd distribution management system. It is a sequence diagram which showed an example in the 2nd distribution management system. It is a flowchart which shows an example of the processing in the user terminal which comprises the 2nd distribution management system. It is a flowchart which shows an example of the processing in the user terminal which comprises the 2nd distribution management system. It is a flowchart which shows an example of the processing in the user terminal which comprises the 2nd distribution management system. It is a flowchart which shows an example of the processing in the distribution management apparatus which comprises the 2nd distribution management system. It is a flowchart which shows an example of the processing in the distribution management apparatus which comprises the 2nd distribution management system.

<First Embodiment>
Hereinafter, an example of the embodiment of the present invention will be described with reference to the drawings.
The distribution management system according to the present invention performs a process of supporting the planned consumption of digital money. That is, the main distribution management system appropriately manages the digital money charged in the digital wallet provided in the communication terminal so that it is preferentially allocated to the payment of debts, and is shown in FIG. As described above, the user terminal 20 and the remittance sender terminal 30 are configured to be able to communicate with each other via the network NW.

The embodiments described below are technically limited because they are suitable specific examples of the present invention, but the scope of the present invention is limited unless otherwise specified in the following description. , Not limited to these forms. Further, the description of the institution that issues and manages the digital money used in the present invention will be omitted.

The user terminal 20 has payment obligations such as rent, utilities such as electricity, gas, and water, taxes, and debts, and enjoys this distribution management service to support the planned consumption of digital money. It is a terminal owned by the desired user.
The user terminal 20 is realized by a communication terminal capable of transmitting / receiving data and inputting / outputting data via a communication network NW such as the Internet, such as a so-called personal computer, tablet terminal, smartphone or mobile phone.

The user terminal 20 includes a debt information receiving unit 21, a digital money distribution unit 23, a digital money usage permission unit 25, a debt information storage unit 27, a first digital money storage unit W1, and a second. It is configured to include a digital money storage unit W2.

The debt information reception unit 21 is a means for receiving debt information and registering the received debt information in the debt information storage unit 27. The debt information includes at least information necessary for processing the payment of the debt, such as creditor information, billing (repayment) amount information, and payment deadline information. This creditor information refers to information necessary for identifying a payee in payment of a debt, such as a creditor's name, name, telephone number, and e-mail address.
The debt information reception unit 21 may accept the debt information by the user inputting a predetermined item from the user terminal 20, or the user terminal 20 receives the invoice information transmitted by the creditor. You may accept it by saving it.

The digital money distribution unit 23 is a means for appropriately distributing the storage destination of the digital money sent from the remittance terminal 30 to the first digital money storage unit W1 and the second digital money storage unit W2. The digital money distribution unit 23 first calculates the total amount of bills registered in the debt information storage unit 27 and digitally managed by the second digital money storage unit W2 in response to the receipt of digital money. Identify the balance of money. Next, the digital money distribution unit 23 compares the total of the calculated billing amounts with the balance of the specified digital money, and uses the received digital money as the second digital money until the difference becomes "0". It is preferentially distributed and stored in the storage unit W2, and when the difference becomes "0", the received digital money is stored in the first digital money storage unit W1.

That is, the digital money distribution unit 23 compares the calculated total billing amount with the specified digital money balance, and if the total billing amount is larger than the digital money balance, the difference becomes "0". Until then, the received digital money is preferentially distributed and stored in the second digital money storage unit W2, and if the total billing amount and the balance of the digital money are equal, the received digital money is used as the first digital money. It is stored in the storage unit W1.

Further, the digital money distribution unit 23 has a function of separately storing the received digital money in the first digital money storage unit W1 and the second digital money storage unit W2 based on the preset distribution rate. It may have.

That is, if all the received digital money is preferentially distributed to the second digital money storage unit W2, the digital money will be the first digital until the difference between the total billed amount and the balance becomes "0". It is not saved in the money storage unit W1, and free settlement (purchase of products, etc.) other than payment obligations cannot be performed, which may make the user in need of life. Therefore, in order to eliminate such inconvenience and enable free settlement, even before the balance of the second digital money storage unit W2 satisfies the total billing amount, the first for settlement with no usage restrictions. The digital money is divided and stored based on a preset distribution rate so that the digital money is stored in one digital money storage unit W1.

When using the digital money stored in the second digital money storage unit W2, the digital money usage permission unit 25 uses the digital money when the user is a creditor registered in the debt information storage unit 27. It is a means of permitting. That is, the digital money use permission unit 25 functions as a confirmation of whether or not the user is a creditor registered in the debt information storage unit 27.

When using the digital money stored in the second digital money storage unit W2, the digital money usage permission unit 25 is a creditor whose usage destination is registered in the debt information storage unit 27, and the usage amount ( When the value of (billed amount) is smaller than the value of the balance information of digital money registered in the second digital money storage unit W2, it may have a function of permitting the use of digital money. That is, the digital money usage permission unit 25 confirms whether or not the user is a creditor registered in the debt information storage unit 27, and the value of the usage amount is stored in the second digital money storage unit W2. It confirms whether it is smaller than the balance of money.

Further, the digital money usage permission unit 25 may have a function of permitting the use of digital money when the payment deadline associated with the usage destination is the latest with reference to the debt information storage unit 27.

That is, when the digital money use permission unit 25 uses the digital money stored in the second digital money storage unit W2, whether or not the user is a creditor registered in the debt information storage unit 27, that is, In addition to confirming whether the usage destination and usage amount are appropriate, further confirm whether the payment deadline registered in the debt information storage unit 27 is the closest, and if it is appropriate (satisfying the conditions), digital money It permits the use of.

In addition, the debt information receiving unit 21 also receives payment priority information indicating the payment priority of the debt in addition to receiving the debt information, and associates the received payment priority information with the debt information in the debt information storage unit 27. It may have a function to register.

At this time, when the debt information receiving unit 21 receives the payment priority information together with the debt information and registers the payment priority information and the debt information in the debt information storage unit 27, the user of the digital money usage permission unit 25 Not only the creditor registered in the debt information storage unit 27, but also the one that permits the use of digital money when the payment priority information has a higher or equal payment priority than the payment priority information associated with other payees. Functions as.

That is, in the present invention, the payment of the debt is prioritized, and when the digital money stored in the second digital money storage unit W2 is used, the digital money usage permission unit 25 determines the usage destination and the usage amount. In addition to whether it is appropriate, the priority of payment is further confirmed by referring to the debt information storage unit 27.

The debt information storage unit 27 is a means for registering debt information such as creditor information, billing (repayment) amount information, and payment (repayment) deadline information. In the debt information storage unit 27, the debt information can be managed by using, for example, a calendar function used for schedule management.
Further, the debt information storage unit 27 may have a function of associating and registering debt information and payment priority information.

The first digital money storage unit W1 is a means for accumulating digitized monetary information, and has a function of storing digital money with no usage restrictions and managing the balance. The first digital money storage unit W1 is a digital wallet that is used for general payment using digital money and stores digital money that can be used for free payment (hereinafter, "general"). Sometimes referred to as a "payment wallet").

The second digital money storage unit W2 is also a means for accumulating digitized money, and has a function of storing digital money having usage restrictions and managing the balance thereof. This second digital money storage unit W2 is a digital wallet that stores digital money to be used for debt payment in the main distribution management service, unlike the digital wallet used for general payment using digital money. (Hereinafter, it may be referred to as "wallet for debt payment").

Further, the limitation of the use of the second digital money storage unit W2 means that a so-called lock function is provided, and this lock function cannot be freely set / released by the user, and is predetermined. It is pre-programmed so that it will not be canceled unless the conditions of are satisfied.

Here, digital money is electronic information equivalent to cash that can be exchanged with a conventional currency, and refers to a so-called virtual currency or cryptocurrency in which the amount of the monetary value is expressed by electronic information, and is called a token. It also includes what is done.

The general payment wallet W1 and the debt payment wallet W2 may be used as a dedicated memory that can be attached to and detached from the user terminal 20 (can be removed and stored). That is, the user terminal 20 may be provided with a dedicated memory insertion port, and the user terminal 20 may be stored by inserting, for example, a USB memory type dedicated memory into the insertion port.

The sender terminal 30 is a terminal used by a sender who remits digital money to a user, and provides a means for remittance of digital money to the user terminal 20 as wages for labor or consideration for goods or services. Have. That is, the remittance terminal 30 is, for example, a corporate terminal 30A used by a company that employs a user as an employee and pays a salary, or a trader used by a business partner who has received a product or service from the user. The terminal 30B can be.
In the present embodiment, a case where the corporate terminal 30A used by the company is the remittance terminal 30 will be described as an example.

The corporate terminal 30A receives the first notification from the user terminal 20 inquiring about the salary amount to be paid including the user information, and transmits the salary amount information to be paid by the corresponding user to the user terminal 20. And a function to receive a second notification from the user terminal 20 requesting payment of salary including the requested amount information, and to send digital money corresponding to the requested amount to the user terminal 20. Have.

Further, the corporate terminal 30A is configured to be able to communicate with the personnel attendance salary calculation device 40 via the network NW, and has a function of receiving payment amount information to the user from the personnel attendance salary calculation device 40.
Further, the corporate terminal 30A has a function of replacing the payment amount (salary) calculated by the personnel attendance salary calculation device 40 based on the time of attendance and departure of the user and the personnel labor information with digital money and managing it in a virtual account for each user. Also has.

Therefore, the corporate terminal 30A in the present embodiment can remit all or part of the salary to the user terminal 20 as digital money.
The remittance terminal 30 is realized by a personal computer or the like, and is realized by a terminal capable of transmitting / receiving data and inputting / outputting data via a network NW such as the Internet.

The personnel attendance salary calculation device 40 is a device that calculates salary based on the time of arrival and departure of the user and personnel and labor information in response to a request from a company that employs the user as an employee.
The personnel attendance payroll calculation device 40 is a device (hereinafter, simply referred to as “time recorder”) 50 and a network, which is a so-called Internet time recorder, which manages attendance such as acquisition of work time and departure time of a user. It is configured to be able to communicate via the NW. Therefore, the personnel attendance salary calculation device 40 performs a process of calculating the compensation for the labor provided by the user based on the attendance / leaving time information of the user acquired from the time recorder 50.

The time recorder 50 is a computer device prepared by a company or the like, and is, for example, a so-called personal computer terminal, a mobile phone terminal, a PDA (Personal Digital Assistants), a wearable terminal, etc., which are configured to be connectable to a communication network, via a network. Any device that can communicate with each other will do.

In addition, the personnel attendance salary calculation device 40 adds various allowances such as overtime allowance, commuting allowance, and dependent allowance specified based on the user's personnel and labor information to the calculated labor consideration, as well as taxes, insurance pensions, etc. It is a device that calculates the salary of the user by deducting the deduction amount of.
That is, the personnel attendance payroll calculation device 40 has an attendance management function and a payroll function, and the attendance management function is used to total the working hours of the user, and the payroll function is used to count the total work. Calculate salary based on time. Further, the personnel attendance salary calculation device 40 adds allowances, transportation expenses, etc. to the calculated salary amount, and deducts deductions such as taxes and social insurance premiums to obtain the amount of payment actually paid to the user. calculate.

Such a personnel attendance salary calculation device 40 is realized by a so-called server computer or the like, and is realized by a terminal capable of transmitting and receiving data and inputting / outputting data via a network NW such as the Internet. The personnel attendance payroll device 40 can specifically include, for example, a CPU, RAM, ROM, display, keyboard, attendance management database, payroll database, attendance management unit, and payroll unit. ..

The CPU performs data processing in the RAM according to the control program stored in the ROM, and processes related to the user's attendance management and payroll calculation according to each program stored in the attendance management unit and the payroll unit. Perform processing. In addition, the CPU corrects the recorded contents of the attendance data in the attendance management database based on the information input from the keyboard, and registers / corrects the remuneration, allowance, transportation expenses, taxes, social insurance premiums, etc. in the payroll database ( Change) -Delete and display the result on the display.

The attendance management database records the daily attendance management information of the user, and the attendance management program records the attendance management information (work record) such as attendance / leaving time and working hours.
The payroll database records each user's working hours, hourly remuneration (wage), daily remuneration, allowance, transportation expenses, taxes, social insurance premiums, and the like.

The attendance management department has an attendance management program that manages the time of arrival and departure of the user, and an authentication department that authenticates the personal identification medium possessed by the user.
The authentication unit collates the user identification information and password of the personal identification medium transmitted from the time recorder 50 with the information of the personal identification medium recorded in the attendance management database, and based on the result, the personal identification Determine if the user using the medium is the person himself / herself.

The attendance management program is based on the user identification information of the personal identification medium read by the time recorder 50 after the successful authentication of the personal identification medium by the authentication unit and the time when the user identification information is acquired. And record the time of leaving work in the attendance management database. Then, the attendance time of the user is totaled from these attendance and departure times.

The payroll department has a payroll program and processes the payment of remuneration to users.
The payroll program refers to the payroll database and calculates the amount of payment by adding predetermined allowances and transportation expenses and deducting deductions such as taxes and social insurance premiums.

As described above, the personnel attendance salary calculation device 40 may be owned by the company in which the company terminal 30A is installed, or may be owned by a third party.
When a third party owns the personnel attendance salary calculation device 40, the company shall entrust the third party to total the working hours of the user and calculate the amount of payment to be paid to the user. You will receive the report from a third party.

That is, when the user stamps the attendance time such as the work start time and the work end time from the time recorder 50 at the time of going to work and leaving work, the stamped attendance time information is transmitted to the personnel attendance salary calculation device via the communication network. It is transmitted to 40.
In the personnel attendance salary calculation device 40, the working hours of the user are totaled based on the attendance time information, and the amount of payment to be paid to the user as salary is calculated.

Then, the personnel attendance salary calculation device 40 notifies the corporate terminal 30A of the aggregated working hours information and the calculated payment amount information.
After that, the salary payment amount is determined by the approval of the personnel and labor manager of the company, and when the salary payment is approved, the company terminal 30A stores the calculated salary amount information in the salary information storage means.
When the company calculates the salary based on the employee's attendance / leaving time and the personnel / labor information, the company terminal 30A can also serve as the function of the personnel / attendance salary calculation device 40.

Next, the flow of processing in the distribution management system for implementing the distribution management method using the user terminal 20 and the corporate terminal 30A will be described with reference to FIG.
By executing the program on the user terminal 20 in the present embodiment, the method described below is realized.

First, in order to enjoy the main distribution management service, the user accesses the site of the main distribution management service in advance using the communication function of the user terminal 20, registers for use, and downloads the application software. Install it. By performing this usage registration, unlike the digital wallet (wallet W1 for general payment) that manages the digital money used for normal payment, it will be distributed to support the planned consumption of digital money. A digital wallet (wallet W2 for debt payment) that manages digital money will be provided in the user terminal 20.

The general payment wallet W1 may be provided on the user terminal 20 at the same time as the debt payment wallet W2 by performing the above-mentioned usage registration, or the existing digital wallet on the user terminal 20 at the time of usage registration. May be specified.

First, the user terminal 20 acquires debt information including the creditor's name, billing amount, payment deadline, etc. from the creditor (10). As described above, the debt information is accepted by the user by inputting the predetermined items corresponding to the debt information described in the invoice or the like acquired from the creditor on paper media from the user terminal 20. Alternatively, the user terminal 20 may receive the invoice information transmitted by the creditor and store the invoice information to be accepted.
The user terminal 20 associates the creditor information, the billing amount information, and the payment deadline information included in the acquired debt information with each other, and registers and manages each debt in the debt information storage unit 27 (20).

In addition, the user terminal 20 requests the corporate terminal 30A to pay the salary (30).
A salary payment request, for example, first sends, for example, a first notice inquiring about the user's current salary to be paid, along with user identification information.
In response to this first notification, the corporate terminal 30A transmits to the user terminal 20 information on the amount of salary to be paid as compensation for the labor of the user. That is, the company terminal 30A transmits the payment amount information stored in the salary information storage means to the user terminal 20 as the payment scheduled salary amount information.
The user terminal 20 receives the scheduled salary amount information transmitted from the corporate terminal 30A, and the user confirms the planned salary amount to be paid.

Subsequently, the user terminal 20 transmits a second notification requesting the corporate terminal 30A to receive all or part of the planned salary as digital money. As a result, the corporate terminal 30A can be requested to pay salary by digital money.
Then, the corporate terminal 30A remits digital money corresponding to the requested amount to the user terminal 20 in response to the second notification (31).

The user terminal 20 receives the digital money transmitted from the corporate terminal 30A (40).
When the user terminal 20 receives the digital money, the user terminal 20 continues to calculate the total billing amount registered in the debt information storage unit 27 and specifies the balance of the digital money managed by the debt payment wallet W2. And compare these (50).

When the balance of the debt payment wallet W2 is smaller than the total billing amount, the user terminal 20 preferentially stores the received digital money in the debt payment wallet W2 until the difference becomes "0" (60). ).
If the difference between the balance of the debt payment wallet W2 and the total billing amount is "0", the user terminal 20 stores the remaining digital money and the digital money received thereafter in the general settlement wallet W1 ( 70).

Further, when the user terminal 20 uses the digital money stored in the debt payment wallet W2, the user terminal 20 confirms whether or not the user is a creditor registered in the debt information storage unit 27 (80). .. That is, it is confirmed whether or not the digital money in the debt payment wallet W2, whose use is limited to support planned consumption, is appropriately used for debt repayment.
Then, when the user terminal 20 is a registered creditor, the user terminal 20 releases the lock that restricts the use of digital money and permits the use of digital money stored in the debt payment wallet W2 (90). ).

The user terminal 20 uses the digital money stored in the debt payment wallet W2 to pay the creditor the digital money equivalent to the invoiced amount, and then the user terminal 20 uses the digital money stored in the debt payment wallet W2. Update the balance information by subtracting the used amount from the balance. Further, the user terminal 20 manages the debt information registered in the debt information storage unit 27 as paid (100).

In the above-mentioned distribution management system, the payment of the debt on the user terminal 20 may be a known means in the settlement using digital money.
For example, the user goes to a store such as a convenience store where payment can be made using digital money, and displays the invoice information for paying the debt on the user terminal 20. Next, the user terminal 20 is brought close to the payment machine, which is a terminal device dedicated to digital money processing, which is communicably connected to the payment terminal (POS cash register) installed in the store.

Then, the payment machine receives the invoice information from the user terminal 20 and sends a command to the user terminal 20 to subtract the invoice amount included in the invoice information. Then, the user terminal 20 performs a payment process in which the billing amount is reduced from the balance of the digital money stored in the debt payment digital wallet W2. The payment machine is connected to the creditor terminal (not shown) via the network, and the creditor terminal can receive the paid digital money.

Further, the payment of the debt on the user terminal 20 may be performed by transmitting digital money to the creditor terminal. At this time, the transmission of digital money can be a known means.
For example, the user terminal 20 connects to a digital money issuing institution, inputs a payment amount (billing amount) together with creditor terminal information, and sets a password. Then, the user terminal 20 performs a payment process in which the billing amount is reduced from the balance of the digital money stored in the debt payment digital wallet W2.

In addition, the user terminal 20 transmits a password to the creditor terminal by e-mail, telephone, or the like. After that, the creditor terminal connects to the issuing institution of digital money and receives the billed amount using the password transmitted from the user terminal 20.
The above is the basic processing flow in the distribution management system for implementing the method using the user terminal 20.

Subsequently, an example of the operation on the user terminal 20 that implements the above-mentioned method will be described with reference to FIGS. 3 to 5.
First, when the program is executed in order to use the main distribution management service on the user terminal 20, a button for registering debt information is displayed on the display screen of the user terminal 20 (hereinafter, "debt information registration button"). ), A button to request payment of salary to the company at work (hereinafter referred to as "payment request button"), and a button to execute payment using digital money stored in the debt payment wallet. (Hereinafter, referred to as "digital money use button"), etc. are displayed.

The user terminal 20 performs a process of determining whether or not the debt information registration button has been selected (S10).
As a result, when the debt information registration button is selected (Y), the debt information reception unit 21 receives debt information such as the creditor name, the billing amount, and the payment deadline, and associates the debt information with the user information. The process of registering in the storage unit 27 is performed (S20).
At this time, when the debt information reception unit 21 receives the payment priority information indicating the payment priority of the debt in connection with the reception of the debt information, the debt information and the payment priority information are associated with the user information and the debt is debted. The process of registering in the information storage unit 27 is performed.

On the other hand, when it is determined that the debt information registration button is not selected (N), the user terminal 20 performs a process of determining whether or not the salary payment request button is selected (S30).
As a result, when the salary payment request button is selected (Y), the salary requesting department sends the first notification to the corporate terminal 30A inquiring the user's expected salary amount up to now together with the user information. In response to this first notification, the remittance terminal 30 receives information on the planned salary to be paid as compensation for the labor of the user, and confirms the planned salary to be paid (S40).

In order to request that the confirmed salary to be paid be received as digital money, the user inputs the amount to be received and selects the OK button on the user terminal 20 (S50).
Then, the salary claiming department receives digital money corresponding to the received salary from the corporate terminal 30A (S60).
In the user terminal 20, the digital money distribution unit 23 calculates the total amount of bills registered in the debt information storage unit 27 in response to the receipt of the digital money remitted from the corporate terminal 30A, and for debt payment. The balance of digital money managed in the wallet W2 is specified (S70).

The digital money distribution unit 23 continues to compare the total billed amount with the balance of the digital money to determine the size (S80).
As a result, when it is determined that the balance of the debt payment wallet W2 is smaller (Y), whether or not the digital money distribution unit 23 has further set the distribution rate before distributing the received digital money. Is determined (S90).

As a result, when it is determined that the distribution rate has been set (Y), the digital money distribution unit 23 determines the total billing amount and the balance of the debt payment wallet W2 based on the preset distribution rate. The received digital money is stored separately in the general settlement wallet W1 and the debt payment wallet W2 until the difference between the two is "0" (S100).
Subsequently, the digital money distribution unit 23 determines whether or not the difference between the total billed amount and the balance of the debt payment wallet W2 has become "0" due to the distribution of the received digital money (S110).

As a result, when it is determined that the difference between the total billing amount and the balance of the debt payment wallet W2 is "0" (Y), the digital money distribution unit 23 then uses all the received digital money for general settlement. It is saved in the wallet W1 (S120), and a series of operations on the user terminal 20 is completed.
On the other hand, when the digital money distribution unit 23 determines that the difference between the total billed amount and the balance of the debt payment wallet W2 is not "0" (N), it pays all the received digital money in debt. It is saved in the wallet W2 for use, and a series of operations on the user terminal 20 is terminated (end) as it is.

Further, in the determination of whether or not the distribution rate is set (S90), when it is determined that the distribution rate is not set (N), as shown in FIG. 4, the digital money distribution unit 23 Stores the received digital money separately in the general settlement wallet W1 and the debt payment wallet W2 until the difference between the total billed amount and the balance of the debt payment wallet W2 becomes "0" (S101). ..
The digital money distribution unit 23 determines whether or not the difference between the total billing amount and the balance of the debt payment wallet W2 has become "0" due to the distribution of the received digital money (S111).

As a result, when it is determined that the difference between the total billing amount and the balance of the debt payment wallet W2 is "0" (Y), the digital money distribution unit 23 then uses the received digital money as the general settlement wallet. It is saved in W1 (S121), and a series of operations on the user terminal 20 is completed.
On the other hand, when the digital money distribution unit 23 determines that the difference between the total billed amount and the balance of the debt payment wallet W2 is not "0" (N), it pays all the received digital money in debt. It is saved in the wallet W2 for use, and a series of operations on the user terminal 20 is terminated as it is.

Further, in the comparison between the total billing amount and the balance (S80), it was determined that the balance of the debt payment wallet W2 is not small, that is, the difference between the balance of the debt payment wallet W2 and the total billing amount is "0". In the case (N), the digital money distribution unit 23 subsequently stores all the received digital money in the general payment wallet W1 (S120), and ends a series of operations on the user terminal 20.

Further, in the determination of whether or not the salary payment request button is selected (S30), when the user terminal 20 determines that the salary payment request button is not selected (N), it is used as shown in FIG. The personal terminal 20 performs a process of determining whether or not the digital money use button is selected (S130).
As a result, when the digital money use button is selected (Y), the user terminal 20 inputs the user to pay the debt by using the digital money stored in the debt payment wallet W2 (Y). Or selection), and the user terminal 20 accepts the destination (S140).
The acceptance of the user is performed, for example, by the user inputting (or selecting) any of the name of the payee, the telephone number, the e-mail address, and the like on the user terminal 20.
On the other hand, when the user terminal 20 determines that the digital money use button is not selected (N), the user terminal 20 ends a series of operations on the user terminal 20 as it is.

When the user terminal 20 accepts the user, the digital money usage permission unit 25 refers to the debt information storage unit 27 and performs a process of determining whether or not the user is a registered creditor (S150).
As a result, when the digital money usage permission unit 25 determines that the user is a creditor registered in the debt information storage unit 27 (Y), the digital money usage permission unit 25 continues to use the debt information storage unit 27. The payment deadline registered in association with the creditor information in the above is processed to determine whether or not it is the latest compared to the payment deadline in other debt information (S160).
On the other hand, when the digital money use permission unit 25 determines that the user is not a creditor registered in the debt information storage unit 27 (N), the series of operations on the user terminal 20 is terminated as it is.

When the digital money usage permission unit 25 determines that the payment deadline is closer than the others (Y), the digital money usage permission unit 25 is further registered in the debt information storage unit 27 in association with the creditor information. The billing amount information is specified, the balance of the debt payment wallet W2 is confirmed, and a process of determining whether or not the balance of the debt payment wallet W2 is larger than the billing amount is performed (S190).
On the other hand, when the digital money usage permission unit 25 determines that the payment deadline is not the latest (N), the digital money usage permission unit 25 associates with the creditor information whether or not the payment priority information is set. The process of determining whether or not the payment priority information is registered is performed (S170).

As a result, when the digital money usage permission unit 25 determines that the payment priority information is set (Y), the digital money usage permission unit 25 determines that the payment priority of the payment priority information that is still set is different. A process of determining whether or not the payment priority information in the debt information is higher than the payment priority is performed (S180).
On the other hand, when the digital money usage permission unit 25 determines that the payment priority information is not set (N), the series of operations on the user terminal 20 is terminated as it is.

In addition, when the digital money usage permission unit 25 determines that the payment priority is higher or equal than the others as a result of determining whether or not the payment priority of the payment priority information is high (Y), the digital money is used. The permission unit 25 further specifies the billing amount information registered in association with the creditor information in the debt information storage unit 27, confirms the balance of the debt payment wallet W2, and charges the balance of the debt payment wallet W2. A process of determining whether or not the amount is larger than the amount is performed (S190).
On the other hand, when the digital money usage permission unit 25 determines that the payment priority is lower than the others (N), the series of operations on the user terminal 20 is terminated as it is.

When the digital money usage permission unit 25 determines that the balance of the debt payment wallet W2 is greater than or equal to the billed amount (Y), the digital money usage permission unit 25 determines that the balance of the debt payment wallet W2 is greater than or equal to the billed amount (Y). The use of money is permitted, and the billing amount is subtracted from the balance of the debt payment wallet W2 (S200).
On the other hand, when the digital money usage permission unit 25 determines that the balance of the debt payment wallet W2 is smaller than the billed amount (N), the series of operations on the user terminal 20 is terminated as it is.
The above is the flow of processing in the distribution management system for implementing the method using the user terminal 20 and the remittance sender terminal 30.

<Second embodiment>
Further, in the present invention, the debt information managed by the user terminal 20 in the above-described first embodiment and the digital money stored in the debt payment wallet (second digital money storage unit) W2. It is also possible to manage the balance information of the above in the distribution management device. That is, the first embodiment described above is appropriate by confirming in the distribution management device whether the payee is appropriate when using the digital money stored in the debt payment digital wallet W2. The difference is that the use of digital money is permitted in some cases.

As shown in FIG. 6, the distribution management system according to the present embodiment is configured such that the distribution management device 10, the user terminal 20, and the remittance terminal 30 can communicate with each other via the network NW. It has become. Also in the present embodiment, the case where the corporate terminal 30A used by the enterprise is the remittance terminal 30 will be described as an example.
In the second embodiment described below, a part different from the above-described first embodiment will be mainly described. Therefore, the same components as those in the first embodiment are designated by the same reference numerals, the description thereof will be omitted, and the same components will be the same unless otherwise specified.

The distribution management device 10 is a device that manages the payment of the user's debt.
The distribution management device 10 is realized by a so-called server computer or the like, and has hardware resources such as a CPU (Central Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), and a hard disk drive, and a computer program executed by the CPU. It is composed of software resources such as. Further, the distribution management device 10 and a storage unit for storing a database and the like necessary for providing the distribution management service are provided. Further, the distribution management device 10 includes a communication device that transmits / receives information used for processing by the CPU and information stored in the storage unit via a network such as the Internet or LAN.

As shown in FIG. 6, the distribution management device 10 includes a debt information registration unit 11, a digital money balance registration unit 12, a digital money availability determination unit 13, a user information storage unit DB1, and a digital money balance. It is configured to include a storage unit DB2.
That is, in the distribution management device 10 according to the present invention, various programs (OS, application, etc.) stored in the auxiliary storage device (for example, ROM) are loaded into the main storage device (RAM) and executed by the CPU. As a result, it functions as a device including a debt information registration unit 11, a digital money balance registration unit 12, and a digital money availability determination unit 13.

The debt information registration unit 11 is a means for receiving debt information together with user information from the user terminal 20 and registering the debt information in the user information storage unit DB1 based on the user information. The debt information includes at least information necessary for processing the payment of the debt, such as creditor information, billing amount information, and payment deadline information. The creditor information is information necessary for specifying a payee in payment of a debt, and refers to, for example, the name and name of the creditor, a telephone number, an e-mail address, and the like.

The digital money balance information registration unit 12 receives the balance information of the digital money stored in the debt payment wallet W2 together with the user information from the user terminal 20, and the balance of the digital money is based on the user information. This is a means for registering information in the digital money balance storage unit DB2.

The digital money availability determination unit 13 is a means for receiving an inquiry regarding the availability of digital money from the user terminal 20 and transmitting the answer. That is, the digital money availability determination unit 13 receives an inquiry from the user terminal 20 for confirming the availability of digital money including the usage amount information together with the usage destination information, and refers to the user information storage unit DB1. Determine if the user is a registered creditor. Further, the digital money availability determination unit 13 refers to the digital money balance storage unit DB2 and determines whether or not the value of the usage amount is smaller than the value of the digital money balance information stored in the debt payment wallet W2. .. Then, the digital money availability determination unit 13 enables the use of digital money when the user is a registered creditor and the value of the usage amount is smaller than the value of the registered digital money balance information. The answer information to be shown is transmitted.

The user information storage unit DB1 is a means for associating and storing user information that identifies a user with debt information such as a creditor, a billed amount, and a payment deadline related to a user's payment obligation.
In FIG. 7, the user information storage unit DB1 is shown as being registered in association with user information, creditor information, billing amount information, and payment deadline information.

The digital money balance storage unit DB2 stores the user information and the balance information of the digital money stored in the debt payment wallet (second digital money storage unit) W2 of the user terminal 20 owned by the user. It is a means of associating and storing.
In FIG. 8, the digital money balance storage unit DB2 is shown as having the user information and the balance information registered in association with each other.

Further, the distribution management device 10 may have an alarm function for notifying the user terminal 20 of the payment deadline of the debt. That is, a payment processing notification means (payment processing) that periodically refers to the user information storage unit DB1 to identify debt information whose payment deadline is due within a certain period of time, and sends a payment reminder notice to the user terminal 20. A notification unit) may be further provided.

Although the distribution management device 10 is depicted as a single configuration in the present embodiment, the distribution management device 10 is not limited to this, and may be configured by a plurality of computers or the like. Further, the distribution management device 10 may be configured as a cloud.

The user terminal 20 includes a debt information receiving unit 21, a debt information transmitting unit 22, a digital money distribution unit 23, a digital money balance transmitting unit 24, a digital money usage permission unit 25, and a digital money usage inquiry unit 26. A debt information storage unit 27, a general settlement wallet (first digital money storage unit) W1, and a debt payment wallet (second digital money storage unit) W2 are provided.

The user terminal 20 is realized by a communication terminal capable of transmitting / receiving data and inputting / outputting data via a communication network NW such as the Internet, such as a so-called personal computer, tablet terminal, smartphone or mobile phone.

The debt information transmission unit 22 is a means for transmitting the received debt information together with the user information to the distribution management device 10 in response to the reception of the debt information by the debt information reception unit 21.

The digital money balance transmission unit 24 transmits the balance information of the digital money stored in the debt payment wallet W2 to the distribution management device 10 according to the distribution of the digital money in the digital money distribution unit 23. It is a means.

The digital money use permission unit 25 functions as a function of permitting the use of digital money when the digital money use inquiry means unit 26, which will be described later, receives response information indicating that the digital money can be used.
Further, the digital money use permission unit 25 may function as a function of permitting the use of digital money when the payment reminder notice is received from the distribution management device 10.

When using the digital money stored in the debt payment wallet W2, the digital money usage inquiry unit 26 transmits the usage amount information together with the usage destination information to the distribution management device 10, and also from the distribution management device 10. It is a means of confirming the availability of digital money by receiving an answer indicating the availability of digital money.

Next, the flow of processing in the distribution management system for implementing the distribution management method using the distribution management device 10, the user terminal 20, and the corporate terminal 30A will be described with reference to FIGS. 9 and 10. To do.
The method described below is realized by executing the first program on the user terminal 20 and executing the second program on the distribution management device 10 in the present embodiment.

First, in order to enjoy the main distribution management service as in the first embodiment, the user accesses the main distribution management service site in advance, registers the use, and installs (downloads) the application software. ).

The user terminal 20 acquires debt information including the creditor's name, billing amount, payment deadline, etc. from the creditor (210).
As described above, the debt information is accepted by the user by inputting the predetermined items corresponding to the debt information described in the invoice or the like acquired from the creditor on paper media from the user terminal 20. Alternatively, the user terminal 20 may receive the invoice information transmitted by the creditor and store the invoice information to be accepted.

The user terminal 20 associates creditor information, billing amount information, and payment deadline information included in the acquired debt information with each other, and registers and manages each debt in the debt information storage unit 27 (220).
Subsequently, the user terminal 20 transmits the acquired debt information together with the user information to the distribution management device 10 (230).

The distribution management device 10 receives the debt information and the user information transmitted from the user terminal 20 (231).
Then, in response to the acquisition of the debt information, the distribution management device 10 registers the creditor information, the billing amount information, and the payment deadline information in the user information storage unit DB1 in association with the user information (232).

Further, the user terminal 20 requests payment of salary to the corporate terminal 30A (240), and receives digital money in response to the request, as in the first embodiment (30 to 70) described above. (250), the total billed amount is compared with the digital money balance (260), the received digital money is preferentially stored in the debt payment wallet W2 (270), and stored in the general settlement wallet W1 (280). ).

Subsequently, the user terminal 20 transmits the balance information of the debt payment wallet W2 to the distribution management device 10 (290).
The distribution management device 10 receives the balance information of the debt payment wallet W2 transmitted from the user terminal 20 (291).
Then, the distribution management device 10 registers the balance information of the debt payment wallet W2 in the digital money balance information storage unit DB2 in association with the user information (292).

Further, as shown in FIG. 10, when the user terminal 20 uses the digital money stored in the debt payment wallet W2, the user terminal 20 transmits the user information together with the user information to the distribution management device 10. Confirm the availability of digital money (300). This user information refers to information necessary for identifying the creditor who is the user, such as the name of the payee, the telephone number, and the e-mail address.

The distribution management device 10 receives the user information and the user destination information transmitted from the user terminal 20, refers to the user information storage unit DB1 and identifies the creditor based on the user information, and the user destination It is determined whether or not the creditor is a registered creditor (301). That is, whether or not the digital money in the debt payment wallet W2 of the user terminal 20 whose use is restricted to support planned consumption is appropriately used for debt repayment. Check.

Further, the distribution management device 10 refers to the user information storage unit DB1 to specify the billing amount information based on the user information, and also refers to the digital money balance information storage unit DB2 to specify the balance information based on the user information. Is specified, and it is determined whether or not the balance registered in the digital money balance information storage unit DB2 is larger than the billed amount (302).
Then, the distribution management device 10 makes it possible to use digital money when the user is a registered creditor and the balance registered in the digital money balance information storage unit DB2 is greater than or equal to the billed amount. The indicated answer information is transmitted to the user terminal 20 (303).

The user terminal 20 receives the response information transmitted from the distribution management device 10, and if the response indicates that the digital money can be used, the user terminal 20 releases the lock that restricts the use of the digital money, and the debt payment wallet W2. Allow the use of digital money stored in (310).

The user terminal 20 uses the digital money stored in the debt payment wallet W2 to pay the creditor the digital money equivalent to the invoiced amount, and then the user terminal 20 uses the digital money stored in the debt payment wallet W2. Update the balance information by subtracting the used amount from the balance. Further, the user terminal 20 manages the debt information registered in the debt information storage unit 27 as paid (320).

In the above-mentioned distribution management system, the payment of the debt on the user terminal 20 can be performed by a known means in the settlement using digital money, as in the first embodiment described above.
The above is the basic processing flow in the distribution management system for implementing the method using the distribution management device 10, the user terminal 20, and the remittance terminal 30.

Further, in the present embodiment, when using the digital money stored in the debt payment wallet W2 of the user terminal 20, the distribution management device 10 may urge the user terminal 20 to pay the debt. ..
That is, after the distribution management device 10 registers (292) the balance information of the debt payment wallet W2 in the digital money balance information storage unit DB2 in association with the user information, the distribution management device 10 is used periodically. The debt information whose payment deadline comes within a certain period is specified by referring to the person information storage unit DB1.

Subsequently, the distribution management device 10 specifies the billing amount information included in the specified debt information, and also refers to the digital money balance information storage unit DB2 to specify the balance information based on the user information, and the digital money balance information. It is determined whether or not the balance registered in the storage unit DB2 is larger than the billed amount.
Then, when the balance registered in the digital money balance information storage unit DB2 is greater than or equal to the billed amount, the distribution management device 10 transmits a payment reminder notice notifying the payment deadline of the debt to the user terminal 20. To do.

After that, the user terminal 20 receives the payment reminder notice transmitted from the distribution management device 10, unlocks the restriction on the use of digital money, and uses the digital money stored in the debt payment wallet W2. To give permission.
On the other hand, in the distribution management device 10, when the balance registered in the digital money balance information storage unit DB2 is smaller than the billed amount, the user terminal 20 is notified of a payment reminder to increase the balance of the debt payment wallet W2. It may be sent to the user.

Then, when the user terminal 20 uses the digital money stored in the debt payment wallet W2, the distribution management device 10 receives and uses the user information and the user information transmitted from the user terminal 20. When the destination is the registered creditor and the balance registered in the digital money balance information storage unit DB2 is greater than or equal to the billed amount, the answer information indicating the availability of digital money is sent to the user terminal 20. And send.

Further, the distribution management device 10 does not notify the user terminal 20 of the payment of the debt in advance, automatically pays the debt when the payment due date arrives, and then pays the debt to the user terminal 20. It may have a function of notifying that the payment has been made.

That is, the payment processing notification means (payment processing notification unit) refers to the user information storage unit DB1 to specify the debt information whose payment deadline has come, and the balance registered in the digital money balance storage unit DB2 is calculated from the billed amount. Use the stored digital money to make debt payments when they are large or equal. Further, the payment processing notification means (payment processing notification unit) updates the balance information by subtracting the amount used for payment of the debt from the balance registered in the digital money balance storage unit DB2.

Then, the payment processing notification means (payment processing notification unit) transmits a payment completion notification to the user terminal 20.
The payment completion notification updates the balance information of the debt payment wallet W2 on the user terminal 20.

Subsequently, an example of the operation of the distribution management device 10 and the user terminal 20 that implements the above method will be described with reference to FIGS. 11 to 15.
In order to facilitate the understanding of the present invention, an example of the operation of the user terminal 20 shown in FIGS. 11 to 13 will be described before the example of the operation of the distribution management device 10.

First, when the program is executed on the user terminal 20 to use the main distribution management service, the debt information is registered on the display screen of the user terminal 20 as in the first embodiment described above. A button to execute, a button to execute a salary payment request to the company at work, a button to execute payment using digital money stored in the debt payment wallet, etc. are displayed.

The user terminal 20 performs a process of determining whether or not the button for executing the registration of debt information is selected (S210).
As a result, when the debt information registration button is selected (Y), the debt information reception unit 21 receives debt information such as the creditor name, the billing amount, and the payment deadline, and associates the debt information with the user information. The process of registering in the storage unit 27 is performed (S220).
At this time, when the debt information reception unit 21 receives the payment priority information indicating the payment priority of the debt in connection with the reception of the debt information, the debt information and the payment priority information are associated with the user information and the debt is debted. The process of registering in the information storage unit 27 is performed.
Further, the debt information transmission unit 22 performs a process of transmitting the received debt information together with the user information to the distribution management device 10 (S230).

On the other hand, when it is determined that the debt information registration button is not selected (N), the user terminal 20 performs a process of determining whether or not the salary payment request button is selected (S240).
In the user terminal 20, similarly to the first embodiment (S30 to S140) described above, when the salary payment request button is selected (Y), the salary requesting unit sends the user information to the company terminal 30A. The first notification is sent, the information on the amount of salary to be paid is received from the sender terminal 30 (S250), the amount to be received is input, and the OK button is selected (S260).
Then, after the salary billing department receives the digital money corresponding to the salary amount received from the corporate terminal 30A (S270), the digital money distribution department 23 calculates the total billing amount registered in the debt information storage unit 27. Along with the calculation, the balance managed in the debt payment wallet W2 is specified (S280).

When the digital money distribution unit 23 continues to compare the total billed amount and the balance to determine the size (S290), and as a result, determines that the balance of the debt payment wallet W2 is smaller (S). Y), the digital money distribution unit 23 determines whether or not the distribution rate is further set before distributing the received digital money (S300).
As a result, when it is determined that the distribution rate has been set (Y), the digital money distribution unit 23 determines the total billing amount and the balance of the debt payment wallet W2 based on the preset distribution rate. The received digital money is stored separately in the general settlement wallet W1 and the debt payment wallet W2 until the difference between the two is "0" (S310).

The digital money distribution unit 23 determines whether or not the difference between the total billing amount and the balance of the debt payment wallet W2 has become "0" due to the distribution of the received digital money (S320).
As a result, when it is determined that the difference between the total billing amount and the balance of the debt payment wallet W2 is "0" (Y), the digital money distribution unit 23 then uses all the received digital money for general settlement. Store in wallet W1 (S330).

Then, the digital money balance transmission unit 24 performs a process of transmitting the balance information of the debt payment wallet W2 to the distribution management device 10 (S340), and ends (ends) a series of operations on the user terminal 20.
On the other hand, when the digital money distribution unit 23 determines that the difference between the total billed amount and the balance of the debt payment wallet W2 is not "0" (N), the digital money balance transmission unit 24 causes the debt. A process of transmitting the balance information of the payment wallet W2 to the distribution management device 10 (S340) is performed, and a series of operations on the user terminal 20 is terminated (end).

Further, in the determination of whether or not the distribution rate is set (S300), when it is determined that the distribution rate is not set (N), as shown in FIG. 12, the digital money distribution unit 23 Stores the received digital money separately in the general settlement wallet W1 and the debt payment wallet W2 until the difference between the total billed amount and the balance of the debt payment wallet W2 becomes "0" (S311). ..
The digital money distribution unit 23 determines whether or not the difference between the total billed amount and the balance of the debt payment wallet W2 becomes "0" due to the distribution of the received digital money (S321).
As a result, when it is determined that the difference between the total billing amount and the balance of the debt payment wallet W2 is "0" (Y), the digital money distribution unit 23 then uses the received digital money as the general settlement wallet. It is stored in W1 (S331).

Then, the digital money balance transmission unit 24 performs a process (S341) of transmitting the balance information of the debt payment wallet W2 to the distribution management device 10, and ends a series of operations on the user terminal 20.
On the other hand, when the digital money distribution unit 23 determines that the difference between the total billing amount and the balance of the debt payment wallet W2 is not "0" (N), the digital money balance transmission unit 24 causes the debt. A process (S341) of transmitting the balance information of the payment wallet W2 to the distribution management device 10 is performed, and a series of operations on the user terminal 20 is completed.

Further, in comparing the total billing amount and the balance (S290), it was determined that the balance of the debt payment wallet W2 is not small, that is, the difference between the balance of the debt payment wallet W2 and the total billing amount is "0". In the case (N), as shown in FIG. 11, the digital money distribution unit 23 subsequently stores all the received digital money in the general settlement wallet W1 (S330).
Then, the digital money balance transmission unit 24 performs a process (S340) of transmitting the balance information of the debt payment wallet W2 to the distribution management device 10, and ends a series of operations on the user terminal 20.

Further, in the determination of whether or not the salary payment request button is selected (S240), when the user terminal 20 determines that the salary payment request button is not selected (N), it is used as shown in FIG. The personal terminal 20 performs a process of determining whether or not the digital money use button is selected (S350).
As a result, when the digital money use button is selected (Y), the user terminal 20 uses the digital money stored in the debt payment wallet W2 to pay the debt. Is requested, and the user terminal 20 receives the usage destination information and the usage amount information (S360). The user receives the user information, for example, by inputting the name of the payee, the telephone number, the e-mail address, or the like on the user terminal 20.
On the other hand, when the user terminal 20 determines that the digital money use button is not selected (N), the user terminal 20 ends a series of operations on the user terminal 20 as it is.

When the user terminal 20 receives the usage destination information and the usage amount information, the digital money usage inquiry unit 26 transmits the usage destination information and the usage amount information to the distribution management device 10, and the debt payment wallet W2 is used. Performs a process of inquiring about the availability of digital money (S370).
Subsequently, the digital money usage inquiry unit 26 performs a process of determining whether or not a response indicating that the digital money can be used has been received from the distribution management device 10 (S380).

As a result, when the digital money usage inquiry unit 26 receives a response indicating that the digital money can be used (Y), the digital money usage permission unit 25 permits the use of the digital money stored in the debt payment wallet W2. , The billing amount is subtracted from the balance of the debt payment wallet W2 (S390).
On the other hand, when the digital money use inquiry unit 26 has not received the answer indicating that the digital money can be used (N), the series of operations on the user terminal 20 is terminated as it is.
The above is the flow of processing in the distribution management system for implementing the method using the user terminal 20.

Further, in the user terminal 20, when the digital money usage permission unit 25 receives the payment reminder notification notifying the debt payment deadline from the distribution management device 10, the digital money usage permission unit 25 sends the debt payment wallet W2. The use of the stored digital money may be permitted, and the billing amount may be subtracted from the balance of the debt payment wallet W2.
In the user terminal 20, when the digital money usage permission unit 25 receives a payment reminder notice from the distribution management device 10 urging the balance of the debt payment wallet W2 to be increased, it is stored in the debt payment wallet W2. The use of digital money is not permitted.

Next, an example of the operation in the distribution management device 10 that carries out the above-mentioned method will be described with reference to FIGS. 14 and 15.
First, the debt information registration unit 11 performs a process of determining whether or not the debt information is received from the user terminal 20 together with the user information (S410).
As a result, when the debt information registration unit 11 determines that the user information and the debt information have been received (Y), the debt information registration unit 11 associates the debt information with the user information and stores the debt information in the user information storage unit DB1. Register in (S420).

On the other hand, when the debt information registration unit 11 determines that the debt information and the user information have not been received (N), the digital money balance registration unit 12 receives the user information and the digital money balance information from the user terminal 20. Is performed (S430).
As a result, when the digital money balance registration unit 12 determines that the user information and the digital money balance information have been received (Y), the digital money balance registration unit 12 associates the user information with the digital money balance. The information is registered in the digital money balance storage unit DB2 (S440).

On the other hand, when the digital money balance registration unit 12 determines that the user information and the digital money balance information have not been received (N), the digital money availability determination unit 13 includes the usage amount information together with the usage destination information. Performs a process of determining whether or not an inquiry for confirming the availability of digital money has been received (S450).
As a result, when it is determined that the digital money availability determination unit 13 has received the digital money availability inquiry (Y), the digital money availability determination unit 13 continues to refer to the user information storage unit DB1. Performs processing to determine whether the user is a registered creditor (S460)

On the other hand, when the digital money availability determination unit 13 determines that the inquiry regarding the availability of digital money has not been received (N), the debt information registration unit 11 outputs the debt information together with the user information from the user terminal 20. The process (S410) of determining whether or not the data has been received is repeated.

When the digital money availability determination unit 13 determines that the user is a creditor registered in the user information storage unit DB1 (Y), the digital money availability determination unit 13 continues to use the user information storage unit 13. A process of determining whether or not the payment deadline registered in association with the creditor information in DB1 is closer than the payment deadline in other debt information is performed (S470).
On the other hand, when the digital money availability determination unit 13 determines that the user is not a creditor registered in the user information storage unit DB1 (N), the digital money availability determination unit 13 is shown in FIG. As described above, the answer information indicating that the digital money cannot be used is transmitted to the user terminal 20 (S520), and the series of operations in the distribution management device 10 is completed.

Further, when the digital money availability determination unit 13 determines that the payment deadline is closer than the others (Y), the digital money availability determination unit 13 further user information as shown in FIG. The billing amount information registered in association with the creditor information is specified in the storage unit DB1, and the balance information of the digital money registered in association with the user information is specified in the digital money balance storage unit DB2. Performs a process of determining whether or not the value of the balance information of is larger than the value of the billed amount (S500).
On the other hand, when the digital money availability determination unit 13 determines that the payment deadline is not the latest (N), the digital money availability determination unit 13 determines whether or not the payment priority information is set, that is, the creditor information. Performs a process of determining whether or not payment priority information is registered in association with (S480).

As a result, when the digital money availability determination unit 13 determines that the payment priority information is set (Y), the digital money availability determination unit 13 determines the payment priority of the payment priority information that is still set. A process of determining whether or not the payment priority information is higher than the payment priority of the payment priority information in other debt information is performed (S490).
On the other hand, when the digital money availability determination unit 13 determines that the payment priority information is not set (N), the digital money availability determination unit 13 sends the answer information indicating that the digital money cannot be used to the user terminal 20. (S520), the series of operations in the distribution management device 10 is completed.

Further, when the digital money availability determination unit 13 determines that the payment priority is higher or equal than the others (Y), the digital money availability determination unit 13 determines the billing amount information as shown in FIG. Is specified, the balance information of the digital money is specified, and a process of determining whether or not the value of the balance information of the digital money is larger than the value of the billed amount is performed (S500).
On the other hand, when the digital money availability determination unit 13 determines that the payment priority is lower than the others (N), the digital money availability determination unit 13 provides the answer information indicating that the digital money cannot be used. It is transmitted to the terminal 20 (S520), and a series of operations in the distribution management device 10 is completed.

Then, when the digital money availability determination unit 13 determines that the value of the digital money balance information is greater than or equal to the billed amount (Y), the digital money availability determination unit 13 responds indicating the availability of digital money. The information is transmitted to the user terminal 20 (S510), and the series of operations in the distribution management device 10 is completed.
On the other hand, when the digital money availability determination unit 13 determines that the value of the digital money balance information is smaller than the billed amount (N), the digital money availability determination unit 13 provides answer information indicating that the digital money cannot be used. It is transmitted to the user terminal 20 (S520), and a series of operations in the distribution management device 10 is completed.
The above is the flow of processing in the distribution management system for implementing the method using the distribution management device 10.

Further, in the distribution management device 10, after the digital money balance registration unit 12 registers the digital money balance information in the digital money balance storage unit DB2 (S440) in association with the received user information, the payment processing notification unit sends the payment processing notification unit. , Periodically refer to the user information storage unit DB1 to identify the debt information whose payment deadline will come within a certain period of time, and notify the user terminal 20 of the payment deadline of the debt information. A payment reminder notice urging the person terminal 20 to increase the balance of the debt payment wallet W2 may be sent.

Further, in the distribution management device 10, the payment processing notification unit refers to the user information storage unit DB1 to specify the debt information whose payment deadline has come, and the balance registered in the digital money balance storage unit DB2 is the billed amount. If it is larger or equal, the stored digital money is used to pay the debt, and the balance information is obtained by subtracting the amount used for the payment of the debt from the balance registered in the digital money balance storage unit DB2. Update. Then, the payment processing notification unit may transmit the updated balance information to the user terminal 20 together with the payment completion notification.

As described above, in the distribution management system according to the present invention, the digital wallet charged with digital money is the general payment wallet W1 for storing digital money with no usage restrictions, and the debt for storing digital money with usage restrictions. It is supposed to be separated from the payment wallet W2. In addition, the digital money is automatically distributed to the debt payment wallet W2 and managed appropriately so that the digital money is preferentially allocated to the debt payment according to the receipt of the digital money. Furthermore, when using the digital money stored in the debt payment wallet W2, the use of the digital money is permitted only when the predetermined conditions are met.

Therefore, the digital money charged in the digital wallet provided in the communication terminal owned by the user will be managed appropriately, and it will be possible to support the user for efficient and planned consumption. Become.

W1 1st digital money storage unit (wallet for general settlement), W2 2nd digital money storage unit (wallet for debt payment), 10 distribution management device, 11 debt information registration unit, 12 digital money balance information registration unit, 13 Digital money availability judgment department, 20 User terminal, 21 Debt information reception department, 22 Debt information transmission department, 23 Digital money distribution department, 24 Digital money balance transmission department, 25 Digital money usage permission department, 26 Digital money use Inquiry department, 27 debt information storage department, 30 sender terminals, 40 personnel attendance pay calculation device, 50 time recorder.

Claims

A system for processing that supports the planned consumption of digital money.
A user terminal owned by a user who has a payment obligation and a sender terminal used by a sender who remits digital money to the user are configured to be able to communicate via a network.
The remittance terminal is
Has a means of remittance of digital money to the user terminal as compensation for labor or goods or services.
The user terminal is
The first digital money storage method that stores unrestricted digital money and manages its balance,
A second digital money storage method that stores digital money with limited usage and manages the balance,
Debt information storage means for registering and managing debt information such as creditors, billing amount, and payment deadline,
A debt information receiving means for receiving the debt information and registering the debt information received in the debt information storage means,
In response to the receipt of the digital money sent from the sender terminal, the total amount of bills registered in the debt information storage means is calculated, and the balance managed by the second digital money storage means is specified. Then, the total of the billed amounts and the balance are compared, and until the difference becomes "0", the received digital money is preferentially distributed and stored in the second digital money storage means, and the difference is stored. When the difference becomes "0", the digital money distribution means for storing the received digital money in the first digital money storage means and the digital money distribution means.
Have at least
A distribution management system characterized by this.
The user terminal is
The digital money distribution means separately stores the received digital money in the first digital money storage means and the second digital money storage means based on a preset distribution rate.
The distribution management system according to claim 1, wherein the distribution management system is characterized in that.
The user terminal is
When using the digital money stored in the second digital money storage means, if the user is a creditor registered in the debt information storage means, the digital money use permission means for permitting the use of the digital money is provided. Have more
The distribution management system according to claim 1 or 2, wherein the distribution management system is characterized in that.
The user terminal is
The digital money use permission means permits the use of digital money when the payment deadline associated with the use destination is the latest with reference to the debt information storage means.
The distribution management system according to claim 3, wherein the distribution management system is characterized in that.
The user terminal is
The debt information receiving means receives payment priority information indicating the payment priority of the debt in accordance with the reception of the debt information, and registers the payment priority information received by the debt information storage means in association with the debt information. And
The digital money use permission means digitally when the payment priority information associated with the payee has a higher or equal payment priority than the payment priority information associated with another payee with reference to the debt information storage means. Allow the use of money,
The distribution management system according to claim 3, wherein the distribution management system is characterized in that.
It is configured to be able to communicate with the distribution management device that manages the payment of the user's debt via a network.
The user terminal is
In response to the reception of the debt information by the debt information receiving means, the debt information transmitting means for transmitting the debt information received together with the user information to the distribution management device, and
A digital money balance transmission means for transmitting digital money balance information stored in the second digital money storage means to the distribution management device in response to the distribution of digital money by the digital money distribution means. When,
Have more
The distribution management device is
A user information storage means for storing user information that identifies a user in association with debt information such as a creditor, a billing amount, and a payment deadline related to the payment obligation of the user.
A digital money balance storage means that stores the user information in association with the digital money balance information stored in the second digital money storage means of the user terminal owned by the user.
A debt information registration means that receives debt information together with user information from the user terminal and registers and manages the debt information in the user information storage means based on the user information.
A digital money balance information registration means that receives digital money balance information together with user information from the user terminal and registers the digital money balance information in the digital money balance storage means based on the user information.
Have at least
The distribution management system according to any one of claims 1 to 5, wherein the distribution management system is characterized in that.
The user terminal is
When using the digital money stored in the second digital money storage means, the usage amount information is transmitted to the distribution management device together with the usage destination information, and whether or not the digital money can be used from the distribution management device. It also has a digital money usage inquiry means to confirm the availability of digital money by receiving the answer indicating
The digital money use permission means permits the use of digital money when the digital money use inquiry means receives response information indicating that the digital money can be used.
The distribution management device is
Whether the user is a creditor whose user is registered by receiving an inquiry from the user terminal to confirm the availability of digital money including the usage amount information together with the user information, and referring to the user information storage means. It is a creditor whose user is registered by judging whether or not the value of the usage amount is smaller than the value of the registered digital money balance information by referring to the digital money balance storage means. Further, when the value of the usage amount is smaller than the value of the registered digital money balance information, the digital money availability determination means for transmitting the answer information indicating the availability of the digital money is further provided.
The distribution management system according to claim 6, wherein the distribution management system is characterized in that.