JP2004127029A - Virtual account management system, virtual account management method, program, and storage medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system or the like capable of remarkably enhancing the efficiency of salary deposit processing or various kinds of withdrawing processing by unifying the accounts of a company and employees used for salary deposit to the virtual account of a specified financial institute. <P>SOLUTION: In this system, a salary calculation part, an in-company cost settlement part, an in-company card settlement part, an affiliated card settlement part, a virtual account management part, and each financial institute system are communicably connected through a communication line. The virtual account management part deposits the total amount of salary amount of each employee to the company virtual account of a specified bank, then transfers the salary amount of each employee to each employee virtual account designated by the employee virtual account number of each employee from the company virtual account, and transfers the credit amount corresponding to the total of the withdrawing amount and salary deposit amount of each employee from the employee virtual account of each employee to the company virtual account. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a virtual account management system, a virtual account management method, a program, and a storage medium, and in particular, pays by unifying accounts of a company and an employee used for payroll transfer into a virtual account of a specific financial institution. The present invention relates to a virtual account management system, a virtual account management method, a program, and a storage medium capable of significantly improving the efficiency of a transfer process and various debit processes.
[0002]
[Prior art]
2. Description of the Related Art Conventionally, in a salary transfer process from a company to each employee, a salary is generally transferred from a company account to a salary transfer account of a financial institution designated by an employee.
[0003]
[Problems to be solved by the invention]
However, when each employee designates various financial institutions as payroll accounts, there is a problem that the company has to pay payroll separately to each financial institution.
[0004]
In particular, when a company has thousands to tens of thousands of employees, the payroll transfer process becomes large-scale, but there is a problem in that payroll transfer to each financial institution becomes enormous.
[0005]
On the other hand, there are many companies that settle the travel expenses for employees, and settle various expenses, such as various insurance premiums, property savings, 401K, and cafeteria plans, to which employees have individually contracted, from the employee's salary.
[0006]
In addition, some companies have issued internal cards (house cards) that can only be used within the company, and have introduced an internal card system that allows employees to use internal cards to purchase at internal electronic malls, internal cafeterias, internal stores, etc. It has increased. In such a case, it is normal to settle the employee's internal card usage fee from the salary.
[0007]
In addition, companies are partnering with card companies to settle card usage fees for general e-mails, general merchants, service companies, etc. from employee salaries.
[0008]
In this way, in many cases, various expenses and card usage fees are settled in conjunction with the salary transfer, but since multiple accounts of financial institutions are used for direct debit, the labor becomes enormous. Had problems.
[0009]
As described above, the conventional salary system of a company has a number of problems, and as a result, it is inconvenient for both the user and the administrator of the system, and the utilization efficiency is poor. Met.
[0010]
The present invention has been made in view of the above-mentioned problems. By unifying the accounts of companies and employees used for payroll transfer into a virtual account of a specific financial institution, payroll transfer processing and various withdrawal processing are extremely efficient. It is an object of the present invention to provide a virtual account management system, a virtual account management method, a program, and a storage medium that can be implemented.
[0011]
[Means for Solving the Problems]
In order to achieve such an object, the virtual account management system according to claim 1 corresponds to salary transfer information including employee numbers of employees of a company, salary amounts, and virtual account numbers for employees of a specific bank. An account for storing the salary transfer information storage means to be attached and stored, and the above-mentioned employee number of each employee, the debit amount deducted from the salary, and the account debit information including the transfer account number to which the debit amount is transferred. Debit information storage means, and associates and stores the employee number of each employee, salary transfer amount to another financial institution, and salary transfer information addressed to another bank including the salary transfer account number designated by the employee. After paying the other bank's salary transfer information storage means and depositing the total of the salary amount of each employee into the company virtual account of the specific bank, from the company virtual account, the employee virtual account number of each employee is used. Designation Lump sum transfer means for transferring the salary amount of each employee to each employee's virtual account, and the deduction amount obtained by summing the deduction amount and the salary transfer amount of each employee. A batch deduction means for transferring the employee virtual account to the company virtual account.
[0012]
According to this system, the employee number, salary amount, and salary transfer information including the virtual account number for the employee of the specific bank are stored in association with the salary transfer information file, and the above-mentioned information of each employee is stored. Store account debit information including employee number, debit amount deducted from salary, and transfer account number to which the debit amount is transferred into the account debit information file, and store the above employee number of each employee and other financial Store the salary transfer amount to the institution and the salary transfer information for other banks, including the salary transfer account number specified by the employee, in association with the salary transfer information file for other banks, and store the total salary amount for each employee. After depositing in the company virtual account of the specific bank (here, “depositing” means transmitting payment instruction (request) information in a predetermined format to the depositing service provided by the financial institution system, etc. The same applies to the following.), And the salary amount of each employee is transferred from the company virtual account to each employee virtual account designated by the employee virtual account number (here). The term "transfer" refers to transmitting transfer instruction (request) information in a predetermined format to a transfer service or the like provided by the financial institution system, etc. The same applies to the following.) The deduction amount, which is the sum of the debit amount and the salary transfer amount, is transferred from each employee's virtual account to the company's virtual account, so the company and employee accounts used for salary transfer etc. By unifying virtual accounts, it is possible to significantly increase the efficiency of payroll transfer processing and various withdrawal processing.
[0013]
Also, according to this system, since only the virtual account management system can be externalized, each financial account management system, in-house expense production system, and various card payment systems can be It becomes possible to automate complicated transfer processing and debit processing to the institution.
[0014]
The virtual account management system according to claim 2 is the virtual account management system according to claim 1, wherein the total amount of the debit amount of each employee is calculated for each financial institution, and the total amount is calculated by the company. Financial institution debit means for transferring from the virtual account to the company account of each financial institution, and for each financial institution, transferring the debit amount from the company account of each financial institution to the transfer account designated by the transfer account number And an individual withdrawal means.
[0015]
According to this system, the total amount of each employee's withdrawal amount is calculated for each financial institution, the total amount is transferred from the company virtual account to the company account of each financial institution, and for each financial institution, each financial institution's Since the debit amount is transferred from the company account to the transfer account specified by the transfer account number, various expenses (business trip expenses, insurance premiums, property, 401K etc.), clearing of in-house cards and clearing of affiliated cards can be performed efficiently. It can be automated.
[0016]
The virtual account management system according to claim 3 is the virtual account management system according to claim 1 or 2, wherein a total amount of the salary transfer amount of each employee is calculated for each financial institution, and the total amount is calculated. From the virtual company account to the financial institution account of each financial institution, and the salary specified by the salary transfer account number of each employee from the company account of each financial institution for each financial institution. Individual pay transfer means for transferring the pay transfer amount of each employee to the transfer account is further provided.
[0017]
According to this system, the total amount of each employee's salary transfer amount is calculated for each financial institution, and the total amount is transferred from the company virtual account to the company account of each financial institution. Since the salary transfer amount of each employee is transferred from the company account of each employee to the salary transfer account specified by each employee's salary transfer account number, the employee's salary transfer to various financial institutions is efficiently automated Will be able to do it.
[0018]
The present invention also relates to a virtual account management method, wherein the virtual account management method according to claim 4 includes an employee number of a company employee, a salary amount, and a virtual account number for an employee of a specific bank. Corresponds to the salary transfer information storage step of storing the salary transfer information in association with each other, and the account number information including the employee number of each employee, the debit amount deducted from the salary, and the transfer account number to which the debit amount is transferred. The account transfer information storing step to be attached and stored, and the employee number of each employee, the salary transfer amount to another financial institution, and the salary transfer information addressed to another bank including the salary transfer account number specified by the employee, After the step of storing the salary transfer information addressed to the other bank and storing the total amount of the salary amount of each employee in the company virtual account of the specific bank, the employee bank transfer information is stored in the company virtual account. For each employee virtual account specified by the employee virtual account number, a lump sum salary transfer step to transfer the salary amount of each employee, and the sum of the debit amount and the salary transfer amount for each employee Collectively deducting the deduction amount from the employee virtual account of each employee to the company virtual account.
[0019]
According to this method, the employee number, salary amount, and salary transfer information including the virtual bank number for the employee of the specific bank are stored in association with the salary transfer information file, and the above-mentioned information for each employee is stored. Store account debit information including employee number, debit amount deducted from salary, and transfer account number to which the debit amount is transferred into the account debit information file, and store the above employee number of each employee and other financial Store the salary transfer amount to the institution and the salary transfer information for other banks, including the salary transfer account number specified by the employee, in association with the salary transfer information file for other banks, and store the total salary amount for each employee. After depositing into the company virtual account for the specific bank, the salary amount of each employee is transferred from the company virtual account to each employee virtual account specified by the employee virtual account number of each employee, Withdrawal of employee The deduction amount, which is the sum of the amount and the salary transfer amount, is transferred from each employee's virtual account to the company virtual account from the employee's virtual account. By unifying the payroll transfer, the payroll transfer processing and various kinds of withdrawal processing can be made extremely efficient.
[0020]
In addition, according to this method, since only the virtual account management method can be externalized, each financial account can be changed without changing existing payroll methods, internal expense production methods, and various card settlement methods. It becomes possible to automate complicated transfer processing and debit processing to the institution.
[0021]
A virtual account management method according to a fifth aspect is the virtual account management method according to the fourth aspect, wherein a total amount of the debit amount of each employee is calculated for each financial institution, and the total amount is calculated by the company. Financial institution-based withdrawal step of transferring from the virtual account to each financial institution's company account, and for each financial institution, transferring the debit amount from the company account of each financial institution to the transfer account designated by the transfer account number And an individual withdrawal step.
[0022]
According to this method, the total amount of the debit amount of each employee is calculated for each financial institution, the total amount is transferred from the company virtual account to the company account of each financial institution, and for each financial institution, Since the debit amount is transferred from the company account to the transfer account specified by the transfer account number, various expenses (business trip expenses, insurance premiums, property, 401K etc.), clearing of in-house cards and clearing of affiliated cards can be performed efficiently. It can be automated.
[0023]
The virtual account management method according to claim 6 is the virtual account management method according to claim 4 or 5, wherein the total amount of the salary transfer amount of each employee is calculated for each financial institution, and the total amount is calculated. Is transferred from the virtual account for the company to the company account of each financial institution, and the salary transfer step for each financial institution, and for each financial institution, the salary specified by the salary transfer account number of each employee from the company account of each financial institution, An individual pay transfer step of transferring the pay transfer amount of each employee to the transfer account.
[0024]
According to this method, the total amount of each employee's salary transfer amount is calculated for each financial institution, and the total amount is transferred from the company virtual account to the company account of each financial institution. Since the salary transfer amount of each employee is transferred from the company account of each employee to the salary transfer account specified by each employee's salary transfer account number, the employee's salary transfer to various financial institutions is efficiently automated Will be able to do it.
[0025]
In addition, the present invention relates to a program, and the program according to claim 7 associates salary transfer information including an employee number of a company employee, a salary amount, and a virtual account number for an employee of a specific bank. Account transfer information storing step for storing the account information including the employee number of each employee, the debit amount to be deducted from the salary, and the transfer account number to which the debit amount is to be transferred. Storing the information storing step, the employee number of each employee, the amount of salary transfer to another financial institution, and the salary transfer information addressed to the other bank including the salary transfer account number specified by the employee, in association with each other; After the step of storing salary transfer information addressed to the line and depositing the total of the salary amounts of each employee into the company virtual account of the specific bank, the employee temporary account for each employee is transferred from the company virtual account. For each employee virtual account specified by account number, a lump sum salary transfer step to transfer the above salary amount of each employee, and a deduction amount that combines the above debit amount and the above salary transfer amount for each employee A virtual account management method including a batch deduction step of transferring the employee's virtual account to the company virtual account from the employee virtual account.
[0026]
According to this program, salary transfer information including the employee number, salary amount, and virtual account number for employees of a specific bank is stored in association with the salary transfer information file, and Store account debit information including employee number, debit amount deducted from salary, and transfer account number to which the debit amount is transferred into the account debit information file, and store the above employee number of each employee and other financial Store the salary transfer amount to the institution and the salary transfer information for other banks, including the salary transfer account number specified by the employee, in association with the salary transfer information file for other banks, and store the total salary amount for each employee. After depositing into the company virtual account for the specific bank, the salary amount of each employee is transferred from the company virtual account to each employee virtual account specified by the employee virtual account number of each employee, employee Since the deduction amount that is the sum of the debit amount and the salary transfer amount is transferred from each employee's virtual account to the company's virtual account, the company and employee accounts used for salary transfer etc. By unifying accounts, it is possible to significantly improve the efficiency of payroll transfer processing and various withdrawal processing.
[0027]
In addition, according to this program, only the virtual account management program can be externalized, so that there is no need to change existing payroll programs, in-house expense production programs, and various card payment programs. It becomes possible to automate complicated transfer processing and debit processing to the institution.
[0028]
The program according to claim 8 is the program according to claim 7, wherein a total amount of the debit amount of each employee is calculated for each financial institution, and the total amount is calculated from the virtual account for the company by each financial institution. A financial institution unit withdrawal step of transferring to the institution's company account, and an individual withdrawal step of transferring the withdrawal amount from the company account of each financial institution to the transfer account designated by the transfer account number for each financial institution. It is characterized by including.
[0029]
According to this program, for each financial institution, the total amount of each employee's withdrawal amount is calculated, and the total amount is transferred from the company virtual account to each financial institution's company account. Since the debit amount is transferred from the company account to the transfer account specified by the transfer account number, various expenses (business trip expenses, insurance premiums, property, 401K etc.), clearing of in-house cards and clearing of affiliated cards can be performed efficiently. It can be automated.
[0030]
The program according to claim 9 is the program according to claim 7 or 8, wherein the total amount of the salary transfer amount of each employee is calculated for each financial institution, and the total amount is calculated by the virtual account for the company. From a financial institution unit payroll transfer step to transfer to each financial institution's company account, and for each financial institution, from the above-mentioned company account of each financial institution to the payroll transfer account specified by the above employee's payroll account number, An individual salary transfer step of transferring the salary transfer amount of each employee.
[0031]
According to this program, the total amount of each employee's salary transfer amount is calculated for each financial institution, and the total amount is transferred from the company virtual account to the company account of each financial institution. Since the salary transfer amount of each employee is transferred from the company account of each employee to the salary transfer account specified by each employee's salary transfer account number, the employee's salary transfer to various financial institutions is efficiently automated Will be able to do it.
[0032]
Further, the present invention relates to a recording medium, and a recording medium according to claim 10 stores a program for causing a computer to execute the virtual account management method according to any one of claims 7 to 9. It is recorded.
[0033]
According to this recording medium, the program recorded on the recording medium is read by a computer and executed, whereby the virtual account management method according to any one of claims 7 to 9 is utilized by using the computer. And the same effects as those of these methods can be obtained.
[0034]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, embodiments of a virtual account management system, a virtual account management method, a program, and a storage medium according to the present invention will be described in detail with reference to the drawings. It should be noted that the present invention is not limited by the embodiment.
[0035]
[Overview of this system]
Hereinafter, an outline of the present system will be described, and thereafter, the configuration and processing of the present system will be described in detail. FIG. 1 is a block diagram showing an example of the overall configuration of the present system, and conceptually shows only those parts of the system configuration related to the present invention.
[0036]
This system roughly communicates a payroll section, an internal expense settlement section, an in-house card settlement section, an affiliated card settlement section, a virtual account management section, and each financial institution system via a communication line. It is connected and configured as possible.
[0037]
This system generally has the following basic features:
First, in FIG. 1, the salary calculation unit has a function of accessing the salary database, calculating the salary of the employee, and transmitting the salary information to the virtual account management unit.
[0038]
In FIG. 1, the in-house expense clearing unit accesses the in-house expense database to settle the employee's expenses (for example, all expenses related to the employee, such as travel expenses, insurance premiums, property, 401K, and cafeteria plan). And transmitting the expense information to the virtual account management unit.
[0039]
In FIG. 1, the in-house card settlement unit has a function of accessing the house card database, performing a settlement process of the in-house card usage fee, and transmitting the in-house card settlement information to the virtual account management unit.
[0040]
Also, in FIG. 1, the affiliated card settlement unit has a function of accessing the affiliated card database, performing the settlement processing of the affiliated card usage fee, and transmitting the affiliated card settlement information to the virtual account management unit.
[0041]
In FIG. 1, the virtual account management unit stores salary transfer information including the employee number of the employee of the company, the salary amount, and the virtual account number for the employee of the specific bank in association with the salary transfer information file, Store the account number information of each employee, including the employee number, the deduction amount deducted from the salary, and the transfer account number to which the debit amount is transferred, in association with the account debit information file, and store the employee Store the payee transfer information to other banks, including the payroll number to other financial institutions, and the payroll account number specified by the employee, in association with the payee transfer information file to other banks. After depositing the total amount of the salary into the company virtual account of the specific bank (here, “deposit” means sending deposit instruction (request) information in a predetermined format to a deposit service or the like provided by the financial institution system. The same applies to the following.), The salary amount of each employee from the company virtual account to each employee virtual account specified by the employee virtual account number of each employee. (Here, “transfer” refers to transmitting transfer instruction (request) information in a predetermined format to a transfer service or the like provided by the financial institution system. The same applies to the following.) Then, the deduction amount obtained by adding the debit amount of each employee and the salary transfer amount is transferred from the employee virtual account of each employee to the company virtual account.
[0042]
In addition, the virtual account management unit calculates the total amount of the debit amount of each employee for each financial institution, transfers the total amount from the company virtual account to the company account of each financial institution, and for each financial institution, Transfer the debit amount from the institution's company account to the transfer account specified by the transfer account number.
[0043]
In addition, the virtual account management unit calculates the total amount of each employee's salary transfer amount for each financial institution, transfers the total amount from the company virtual account to the company account of each financial institution, and for each financial institution, The salary transfer amount of each employee is transferred from the company account of the financial institution to the salary transfer account specified by each employee's salary transfer account number.
[0044]
That is, according to the present invention, once the total salary amount of all employees is transferred to the company virtual account, the amount of insurance premiums, property, etc. is deducted therefrom, and the employee who wishes to transfer the salary to another bank is transferred. Deducts all of the balance or a fixed amount. Then, the deducted total amount is distributed to each financial institution, and further transferred to a designated account of each financial institution.
[0045]
[System configuration]
Hereinafter, the configuration of the present system for realizing such basic features will be described.
[0046]
[System Configuration-Virtual Account Management System 100]
First, the configuration of the virtual account management system 100 will be described.
FIG. 2 is a block diagram showing an example of a configuration of the virtual account management system 100 to which the present invention is applied, and conceptually shows only a portion related to the present invention in the configuration. In FIG. 2, the virtual account management system 100 generally includes a control unit 102 such as a CPU that comprehensively controls the entire virtual account management system 100 and a communication device (not shown) such as a router connected to a communication line or the like. ), An input / output control interface 108 connected to the input device 112 and the output device 114, a clock generator 110 for generating a system clock, and various databases (salary databases 106a to 106a). The storage unit 106 is configured to store a pay transfer information file 106i) addressed to another bank, and these units are communicably connected via an arbitrary communication path. Further, the virtual account management system 100 is communicably connected to the network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line.
[0047]
Various databases and the like stored in the storage unit 106 (the salary database 106a to the salary transfer information file for other lines 106i) are storage means such as a fixed disk device, and various programs and tables used for various processes and for providing a website. And files, databases, and files for web pages.
[0048]
Among the components of the storage unit 106, the salary database 106a is a salary information storage unit that stores information about salary (salary information). FIG. 4 is a diagram illustrating an example of salary information stored in the salary database 106a.
[0049]
As shown in FIG. 4, the information stored in the salary database 106a includes a salary payment date, an employee number for uniquely identifying each employee, a salary amount, a salary transfer account number, and a name of a transfer destination financial institution. It is configured in association with each other.
[0050]
The in-house expense database 106b is an in-house expense information storage unit that stores information on in-house expenses and the like. FIG. 5 is a diagram illustrating an example of in-house expense information stored in the in-house expense database 106b.
[0051]
As shown in FIG. 5, the in-house expense information stored in the in-house expense database 106b is configured by associating a withdrawal date, an employee number, a withdrawal amount, an item, a transfer account number, a transfer destination financial institution name, and the like. I have.
[0052]
Further, the house card database 106c is a house card information storage unit that stores house card information and the like regarding an in-house card. FIG. 6 is a diagram illustrating an example of house card information stored in the house card database 106c.
[0053]
As shown in FIG. 6, the house card information stored in the house card database 106c associates a withdrawal date, an employee number, a house card ID, a withdrawal amount, an item, a transfer account number, a transfer destination financial institution name, and the like. It is configured.
[0054]
The partner card database 106d is a partner card information storage unit that stores partner card information and the like related to partner cards. FIG. 7 is a diagram illustrating an example of affiliated card information stored in the affiliated card database 106d.
[0055]
As shown in FIG. 7, the partner card information stored in the partner card database 106d correlates the withdrawal date, employee number, partner card ID, withdrawal amount, item, transfer account number, transfer destination financial institution name, and the like. It is configured.
[0056]
The virtual account database 106e is a virtual account information storage unit that stores information on a virtual account of a specific financial institution. FIG. 8 is a diagram illustrating an example of virtual account information stored in the virtual account database 106e.
[0057]
As shown in FIG. 8, the virtual account information stored in the virtual account database 106e is configured by associating a company virtual account number and a company code, and an employee virtual account number and an employee number with each other. I have.
[0058]
The company account database 106f is a company account information storage unit that stores information on the company account of each financial institution. FIG. 9 is a diagram illustrating an example of company account information stored in the company account database 106f.
[0059]
As shown in FIG. 9, the company account information stored in the company account database 106f is configured by associating financial institution names, company account numbers, and the like.
[0060]
The salary transfer information file 106g is a salary transfer information storage unit that stores salary transfer information including an employee number of a company employee, a salary amount, and a virtual account number for an employee of a specific bank in association with each other.
[0061]
In addition, the account transfer information file 106h stores the account transfer information including the employee number of each employee, the transfer amount to be deducted from the salary, and the transfer account number to which the transfer amount is transferred. Storage means.
[0062]
The other-bank pay transfer information file 106i contains the other-bank pay transfer information including the employee number of each employee, the pay transfer amount to another financial institution, and the pay transfer account number designated by the employee. Is stored in association with another line.
[0063]
Further, as other information, various web data, a CGI program, and the like for providing a website to the financial institution system 200 are recorded in the storage unit 106 of the virtual account management system 100.
[0064]
The Web data includes data for displaying various Web pages described later, and the data is formed as a text file described in, for example, HTML or XML. The storage unit 106 also stores parts files, work files, and other temporary files for creating these Web data.
[0065]
In addition, if necessary, audio for transmission to the financial institution system 200 is stored as an audio file such as WAVE format or AIFF format, and still images and moving images are stored as image files such as JPEG format or MPEG2 format. Or you can.
[0066]
In FIG. 2, the communication control interface unit 104 controls communication between the virtual account management system 100 and the network 300 (or a communication device such as a router). That is, the communication control interface unit 104 has a function of communicating data with another terminal via a communication line.
[0067]
2, the input / output control interface unit 108 controls the input device 112 and the output device 114. Here, as the output device 114, in addition to a monitor (including a home television), a speaker can be used (hereinafter, the output device 114 is described as a monitor). As the input device 112, a keyboard, a mouse, a microphone, and the like can be used. The monitor also realizes a pointing device function in cooperation with the mouse.
[0068]
2, the control unit 102 has a control program such as an OS (Operating System), a program defining various processing procedures and the like, and an internal memory for storing required data. And information processing for executing various processes. The control unit 102 conceptually includes a virtual account management unit 102a, a salary calculation unit 102b, an in-house expense settlement unit 102c, an in-house card settlement unit 102d, and an affiliated card settlement unit 102e.
[0069]
Among these, the virtual account management unit 102a accesses the virtual account database 106e, the company account database 106f, the salary transfer information file 106g, the account withdrawal information file 106h, the salary transfer information file for other banks 106i, etc. This is a virtual account management unit that manages the created virtual accounts of the company and the employees, and executes payroll transfer processing, automatic debit processing, and the like using the virtual accounts.
[0070]
Here, FIG. 3 is a block diagram illustrating an example of a configuration of the virtual account management unit 102a, and conceptually illustrates only a part related to the present invention in the configuration. As shown in FIG. 3, the virtual account management unit 102a includes a salary transfer information creating unit 102f, an account withdrawal information creating unit 102g, a salary transfer information creating unit for other banks 102h, a lump sum salary transfer unit 102i, a lump sum deduction unit 102j, Institutional withdrawal unit 102k, individual withdrawal unit 102m, financial institution unit pay transfer unit 102n, and individual pay transfer unit 102p.
[0071]
In FIG. 3, a salary transfer information creation unit 102f is a salary transfer information creation unit that associates and creates the employee number, salary amount, and salary transfer information including a virtual account number for an employee of a specific bank. .
[0072]
The account debit information creation unit 102g is configured to create an account withdrawal information in association with the employee number of each employee, the debit amount deducted from the salary, and the account debit information including the transfer account number to which the debit amount is transferred. This is information creation means.
[0073]
The other-bank pay-slip-transfer-information creating unit 102h stores the above-mentioned employee number of each employee, the amount of the pay transfer to another financial institution, and the pay transfer account information specified by the employee. Is created in association with another payroll transfer information creating means.
[0074]
Further, the lump sum transfer unit 102i deposits the total salary amount of each employee into the company virtual account of the specific bank, and then transfers each employee designated by the employee virtual account number of each employee from the company virtual account. This is a lump-sum pay transfer means for transferring the pay amount of each employee to the employee virtual account.
[0075]
The collective deduction unit 102j is a collective deduction unit that transfers a deduction amount, which is the sum of a deduction amount of each employee and a salary transfer amount, from the employee virtual account of each employee to the company virtual account.
[0076]
Further, the financial institution unit withdrawal unit 102k calculates the total amount of each employee's withdrawal amount for each financial institution, and transfers the total amount from the company virtual account to the company account of each financial institution by a financial institution unit withdrawal means. is there.
[0077]
The individual withdrawal unit 102m is an individual withdrawal unit that transfers a debit amount from the above-mentioned company account of each financial institution to a transfer account designated by a transfer account number for each financial institution.
[0078]
The financial institution unit pay transfer unit 102n calculates the total amount of each employee's salary transfer amount for each financial institution, and transfers the total amount from the company virtual account to the corporate account of each financial institution. Transfer means.
[0079]
In addition, the individual payee transfer unit 102p individually transfers the payroll amount of each employee from the company account of each financial institution to the payroll account specified by the payroll account number of each employee for each financial institution. Payroll transfer means.
[0080]
Returning to FIG. 2 again, the salary calculator 102b is a salary calculator that accesses the salary database 106a, calculates the salary of the employee, and transmits the salary information to the virtual account manager. The payroll calculator 102b may be used for an existing payroll system.
[0081]
Further, the in-house expense settlement unit 102c accesses the in-house expense database 106b to execute the settlement process for the employee's expenses (for example, all expenses related to the employee such as travel expenses, insurance premiums, property, 401K, and cafeteria plan). This is an in-house expense reimbursement means for transmitting expense information to the virtual account management unit. The internal expense settlement unit 102c may use an existing expense settlement system.
[0082]
The in-house card settlement unit 102d is an in-house card settlement unit that accesses the house card database 106c to perform settlement processing of the in-house card usage fee, and transmits the in-house card settlement information to the virtual account management unit. The in-house card settlement unit 102d may use an existing in-house card settlement system.
[0083]
The affiliated card settlement unit 102e is an affiliated card settlement unit that accesses the affiliated card database 106d to perform settlement processing of the affiliated card usage fee, and transmits the affiliated card settlement information to the virtual account management unit. The affiliated card settlement unit 102e may use an existing affiliated card settlement system.
The details of the processing performed by these units will be described later.
[0084]
[System Configuration-Network 300]
Next, the configuration of the network 300 will be described. The network 300 has a function of interconnecting the virtual account management system 100 and the financial institution system 200, and is, for example, the Internet.
[0085]
[System Configuration-Financial Institution System 200]
Next, the configuration of the financial institution system 200 will be described. The financial institution system 200 is interconnected with the virtual account management system 100 via the network 300, and has a function of providing a website for providing financial management such as account management and online transfer to users. Here, the financial institution system 200 may be configured as a WEB server, an ASP server, or the like, and its hardware configuration is generally configured by an information processing device such as a commercially available workstation or personal computer, and its attached device. Is also good. The functions of the financial institution system 200 described below include a CPU, a disk device, a memory device, an input device, an output device, a communication control device, and the like in the hardware configuration of the financial institution system 200, and a program for controlling them. Is realized by:
[0086]
[System processing]
Next, an example of the processing of the present system thus configured in the present embodiment will be described in detail below with reference to FIGS.
[0087]
[Main processing]
Next, details of the main processing will be described with reference to FIGS. FIG. 10 is a flowchart illustrating an example of main processing of the present system in the present embodiment.
[0088]
First, the virtual account management system 100 performs various processes (for example, payroll) obtained from the salary calculation unit 102b, the internal expense settlement unit 102c, the internal card settlement unit 102d, and the affiliated card settlement unit 102e by the processing of the virtual account management unit 102a. Based on the information, expense information, in-house card settlement information, affiliated card settlement information, etc., a salary transfer information file for all employees, an account debit information file, and a salary transfer information file addressed to another bank are created (step SA-1). ).
[0089]
That is, the virtual account management unit 102a associates and creates the employee number, salary amount, and salary transfer information including the virtual account number for the employee of the specific bank by the processing of the salary transfer information creating unit 102f. Then, it is stored in the salary transfer information file 106g.
[0090]
In addition, the virtual account management unit 102a processes the account withdrawal information including the employee number, the debit amount deducted from the salary, and the transfer account number to which the debit amount is transferred by the processing of the account debit information creation unit 102g. The information is created in association with the information and stored in the direct debit information file 106h.
[0091]
Further, the virtual account management unit 102a processes the employee number of each employee, the amount of the salary transfer to another financial institution, and the salary transfer account designated by the employee by the processing of the salary transfer information creation unit 102h addressed to another bank. The payroll transfer information including the number is created in association with another line, and stored in the collective payroll transfer unit 102i.
[0092]
Note that each process in step SA-1 compares the date information acquired from the clock generator 110 with the payout date or the withdrawal date of the salary, and if a predetermined condition is met (for example, the payment date or the withdrawal date). May be started on the day before.
[0093]
Then, the virtual account management unit 102a refers to the salary transfer information file 106g, sums up the salaries of all the employees, and transfers the total amount to the company virtual account of the specific bank (step SA-2).
[0094]
Here, the specific bank may be an existing net bank. Further, the specific bank may take a branch number for the company separately and set a special rate (deposit interest rate, loan interest rate, etc.) within the branch number.
[0095]
Then, the virtual account management unit 102a refers to the salary transfer information file 106g, etc., by the processing of the lump-sum salary transfer unit 102i, and after confirming the total amount of the salary amount of each employee in the company virtual account of the specific bank, Then, the salary amount of each employee is transferred from the company virtual account to each employee virtual account designated by the employee virtual account number of each employee (step SA-3).
[0096]
Then, the virtual account management unit 102a refers to the salary transfer information file 106g, the account withdrawal information file 106h, the salary transfer information file for other banks 106i, and the like by the processing of the collective deduction unit 102j, and determines the amount of each employee's withdrawal. A deduction amount obtained by adding the salary transfer amounts is transferred from the employee virtual account to the company virtual account of each employee (step SA-4).
[0097]
Here, FIG. 13 is a conceptual diagram for explaining the concepts of the lump sum transfer and the lump sum deduction described in steps SA-3 and SA-4 in FIG. As shown in FIG. 13, that is, in the present invention, the total salary of all employees is once transferred to the company virtual account (the arrow indicated by (1) in FIG. 13), and insurance premiums, property figures, and the like are transferred therefrom. The amount of money is deducted (arrow indicated by {circle around (2)} in FIG. 13), and the employee who wishes to transfer the salary to another bank is deducted from the balance or the fixed amount (arrow indicated by arrow {circle around (3)} in FIG. 13). ).
[0098]
Returning to FIG. 10 again, the virtual account management unit 102a performs the processing of the financial institution unit withdrawal unit 102k, the individual withdrawal unit 102m, the financial institution unit salary transfer unit 102n, and the individual salary transfer unit 102p, thereby processing the virtual account database 106e and the company account database. 106f, the salary transfer information file 106g, the account debit information file 106h, and the salary transfer information file 106i addressed to another bank, etc., and refer to the company account of each financial institution and each salary transfer account from the required deduction amount of each employee. A transfer is made (step SA-5).
[0099]
Here, FIG. 11 is a flowchart illustrating an example of the processing of the debit processing for each financial institution.
[0100]
First, the virtual account management unit 102a refers to the virtual account database 106e, the company account database 106f, the salary transfer information file 106g, the account withdrawal information file 106h, and the like by the processing of the financial institution unit withdrawal unit 102k, for each financial institution. The total amount of each employee's withdrawal amount is calculated, and the total amount is transferred from the company virtual account to the company account of each financial institution (step SC-1).
[0101]
Then, the virtual account management unit 102a refers to the virtual account database 106e, the company account database 106f, the salary transfer information file 106g, the account withdrawal information file 106h, and the like by the processing of the individual withdrawal unit 102m, and for each financial institution, The debit amount is transferred from the company account of the financial institution to the transfer account specified by the transfer account number (step SC-2).
With this, the debit processing for each financial institution is completed.
[0102]
FIG. 12 is a flowchart illustrating an example of a payroll transfer process for each financial institution.
[0103]
First, the virtual account management unit 102a refers to the virtual account database 106e, the company account database 106f, the salary transfer information file 106g, the salary transfer information file for other banks 106i, and the like by the processing of the financial institution unit pay transfer unit 102n. The total amount of the salary transfer amount of each employee is calculated for each financial institution, and the total amount is transferred from the company virtual account to the company account of each financial institution (step SD-1).
[0104]
Then, the virtual account management unit 102a refers to the virtual account database 106e, the company account database 106f, the salary transfer information file 106g, the other bank pay salary transfer information file 106i, and the like by the processing of the individual salary transfer unit 102p, and refers to the financial institution. Each time, the salary transfer amount of each employee is transferred from the company account of each financial institution to the salary transfer account designated by the salary transfer account number of each employee (step SD-2).
Thus, the payroll transfer process for each financial institution is completed.
[0105]
FIG. 14 is a conceptual diagram showing the concept of the withdrawal process (FIG. 11) and the payout transfer process (FIG. 12) shown in step SA-5 of FIG. Steps SC-1 to SD-2 indicate the same parts as those described in FIG. 11 and FIG. In other words, in this system, once the total salary of all employees is transferred to the company virtual account, the amount of insurance premiums, property, etc. is deducted therefrom, and employees who wish to transfer salaries to other banks Deducts all of the balance or a fixed amount. Then, the deducted total amount is distributed to each financial institution, and further transferred to a designated account of each financial institution.
Thus, the main process ends.
[0106]
[Internal expense judgment process]
Next, details of the in-house expense determination process will be described with reference to FIG. FIG. 15 is a flowchart illustrating an example of an in-house expense determination process of the present system in the present embodiment.
[0107]
When an employee purchases a product or service (step SB-1), the purchase information is processed by any of the in-house expense settlement unit 102c, the in-house card settlement unit 102d, and the affiliated card settlement unit 102e. First, it is determined whether the purchase is for private use (step SB-2).
[0108]
Here, in the case of private use, expense information and the like paid by the employee are created (step SB-8).
[0109]
On the other hand, if it is not a private use, a purchase application is made to the superior of the purchased employee (step SB-3). If the supervisor approves (step SB-4), the in-house settlement process is performed. Perform (Step SB-5).
[0110]
Here, as a result of the in-house settlement, when the expense is recognized as the company expense (step SB-6), the expense information or the like paid by the company is created (step SB-7).
Thus, the in-house expense determination process ends.
[0111]
[Other embodiments]
Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, but may be applied to various different embodiments within the scope of the technical idea described in the claims. It may be implemented.
[0112]
In addition, transmission and reception of the various types of information described above may be realized using an existing e-mail transmission technology, and a predetermined input format is presented by a function provided by a Web site provided by the virtual account management system 100. The input information may be transmitted to a user or the like, and the input information may be transmitted. Alternatively, the input information may be transmitted using an existing file transfer technology such as FTP.
[0113]
Further, the above-described virtual account for company and virtual account for employee can exert the same function even when an account existing in an actual financial institution is used, and can achieve the same effect. That is, an actual account of a financial institution such as an Internet bank may be used as the virtual account.
[0114]
Further, of the processes described in the embodiment, all or a part of the processes described as being performed automatically may be manually performed, or all of the processes described as being performed manually may be performed. Alternatively, a part thereof can be automatically performed by a known method.
In addition, the processing procedures, control procedures, specific names, information including parameters such as various registration data and search conditions, screen examples, and database configurations shown in the above-described documents and drawings, except where otherwise noted, It can be changed arbitrarily.
[0115]
Also, regarding the virtual account management system 100, the illustrated components are functionally conceptual, and need not necessarily be physically configured as illustrated.
[0116]
For example, all or any part of the processing functions provided in each server of the virtual account management system 100, in particular, each processing function performed by the control unit, are interpreted and executed by a CPU (Central Processing Unit) and the CPU. It can be realized by a program to be executed, or it can be realized as hardware by wired logic. Note that the program is recorded on a recording medium described later, and is mechanically read by the virtual account management system 100 as necessary.
[0117]
Various databases and the like stored in the storage unit 106 (payment database 106a to payee transfer information file 106i for other lines) include memory devices such as a RAM and a ROM, fixed disk devices such as a hard disk, and storage means such as a flexible disk and an optical disk. And stores various programs, tables, files, databases, files for web pages, and the like used for various processes and for providing a website.
[0118]
Further, the virtual account management system 100 connects a peripheral device such as a printer, a monitor, and an image scanner to an information processing device such as an information processing terminal such as a known personal computer and a workstation, and connects the information processing device of the present invention to the information processing device. May be implemented by implementing software (including programs, data, and the like) for implementing the above.
[0119]
Furthermore, the specific form of distribution / integration of the virtual account management system 100 is not limited to the illustrated one, and all or a part of the distribution / integration may be functionally or physically distributed / arbitrarily in an arbitrary unit corresponding to various loads or the like. Can be integrated and configured. For example, each database may be independently configured as an independent database device, or a part of the processing may be realized using a CGI (Common Gateway Interface).
[0120]
The control unit of the financial institution system 200 can be entirely or arbitrarily implemented by a CPU and a program interpreted and executed by the CPU. That is, a computer program for giving instructions to the CPU in cooperation with an OS (Operating System) and performing various processes is recorded in the ROM or the HD. This computer program is executed by being loaded into the RAM, and forms a control unit in cooperation with the CPU.
[0121]
However, this computer program may be recorded in an application program server connected to the financial institution system 200 via an arbitrary network, and it is also possible to download all or part of the computer program as needed. . Alternatively, all or any part of each control unit can be realized as hardware such as wired logic.
[0122]
Further, the program according to the present invention can be stored in a computer-readable recording medium. Here, the “recording medium” refers to any “portable physical medium” such as a floppy (registered trademark) disk, a magneto-optical disk, a ROM, an EPROM, an EEPROM, a CD-ROM, an MO, a DVD, and various computers. Such as a fixed physical medium such as ROM, RAM, or HD built in the system, or a communication line or carrier wave for transmitting a program via a network represented by LAN, WAN, or the Internet. , A “communication medium” that holds programs for a short period of time.
[0123]
The “program” is a data processing method described in an arbitrary language or description method, and may be in any format such as a source code or a binary code. The “program” is not necessarily limited to a single program, but may be distributed in the form of a plurality of modules or libraries, or may operate in cooperation with a separate program represented by an OS (Operating System). Includes those that achieve functions. Note that a known configuration and procedure can be used for a specific configuration, a reading procedure, an installation procedure after reading, and the like in each apparatus described in the embodiments.
[0124]
In addition, the network 300 has a function of interconnecting the virtual account management system 100 and the financial institution system 200, and includes, for example, the Internet, an intranet, a LAN (including both wired / wireless), VAN, Personal computer communication network, public telephone network (including both analog and digital), dedicated line network (including both analog and digital), CATV network, IMT2000 system, GSM system, PDC / PDC-P system, etc. Or a local radio network such as Bluetooth, a PHS network, or a satellite communication network such as CS, BS or ISDB. That is, the present system can transmit and receive various data via any network regardless of wired or wireless.
[0125]
【The invention's effect】
As described in detail above, according to the present invention, the salary transfer information including the employee number of the employee of the company, the salary amount, and the virtual account number for the employee of the specific bank is associated with the salary transfer information file. Store and store the debit information including the above employee number of each employee, the debit amount deducted from the salary, and the transfer account number to which the debit amount is to be transferred in association with the debit information file. The above employee number, the salary transfer amount to another financial institution, and salary transfer information to other banks including the salary transfer account number specified by the employee are stored in association with the salary transfer information file for other banks, After depositing the total amount of employees' salaries into the company virtual account for a specific bank, each employee is transferred from the company virtual account to the employee virtual account specified by the employee virtual account number for each employee. Employee salary amount Transfer the deduction amount, which is the sum of the debit amount for each employee and the salary transfer amount, from the employee's virtual account to the company's virtual account, so the company and employee accounts used for salary transfer, etc. A virtual account management system, a virtual account management method, a program, and a storage medium that can significantly improve payroll transfer processing and various kinds of withdrawal processing by unifying a virtual account into a virtual account of a specific financial institution be able to.
[0126]
In addition, according to the present invention, since only the virtual account management system can be externalized, each financial account management system, in-house expense production system and various card settlement systems can be changed without changing It is possible to provide a virtual account management system, a virtual account management method, a program, and a storage medium that can automate complicated transfer processing and debit processing to an institution.
[0127]
Further, according to the present invention, the total amount of the debit amount of each employee is calculated for each financial institution, and the total amount is transferred from the company virtual account to the company account of each financial institution. Since the debit amount is transferred from the company account of the institution to the transfer account specified by the transfer account number, various expenses (business trip expenses, insurance premiums, financial assets, 401K etc.), clearing of in-house cards and clearing of affiliated cards are efficient. It is possible to provide a virtual account management system, a virtual account management method, a program, and a storage medium that can be automatically automated.
[0128]
Further, according to the present invention, the total amount of each employee's salary transfer amount is calculated for each financial institution, and the total amount is transferred from the company virtual account to the company account of each financial institution. Since the salary transfer amount of each employee is transferred from the company account of the financial institution to the salary transfer account specified by each employee's salary transfer account number, the employee's salary transfer to various financial institutions can be efficiently performed. It is possible to provide a virtual account management system, a virtual account management method, a program, and a storage medium that can be automated.
[Brief description of the drawings]
FIG. 1 is a block diagram showing an example of the overall configuration of the present system.
FIG. 2 is a block diagram showing an example of a configuration of a virtual account management system 100 to which the present invention is applied.
FIG. 3 is a block diagram illustrating an example of a configuration of a virtual account management unit 102a.
FIG. 4 is a diagram showing an example of salary information stored in a salary database 106a.
FIG. 5 is a diagram showing an example of in-house expense information stored in an in-house expense database 106b.
FIG. 6 is a diagram showing an example of house card information stored in a house card database 106c.
FIG. 7 is a diagram showing an example of affiliated card information stored in an affiliated card database 106d.
FIG. 8 is a diagram showing an example of virtual account information stored in a virtual account database 106e.
FIG. 9 is a diagram showing an example of company account information stored in a company account database 106f.
FIG. 10 is a flowchart illustrating an example of main processing of the present system in the present embodiment.
FIG. 11 is a flowchart showing an example of processing of a debit process for each financial institution.
FIG. 12 is a flowchart illustrating an example of a payroll transfer process for each financial institution.
FIG. 13 is a conceptual diagram for explaining the concept of lump sum payment and lump sum deduction described in step SA-3 and step SA-4 in FIG.
FIG. 14 is a conceptual diagram showing the concept of the withdrawal process (FIG. 11) and the salary transfer process (FIG. 12) shown in step SA-5 of FIG.
FIG. 15 is a flowchart illustrating an example of an in-house expense determination process of the system according to the embodiment.
[Explanation of symbols]
100 virtual account management system
102 control unit
102a Virtual account management unit
102b salary calculator
102c Internal expense clearing department
102d In-house card settlement department
102e Affiliated card payment department
102f Salary transfer information creation unit
102g Direct Debit Information Creation Department
102h Salary transfer information creation unit addressed to other banks
102i lump sum transfer section
102j Batch deduction section
102k withdrawal unit of financial institution
102m Individual withdrawal section
102n Financial institution payroll section
102p Individual salary transfer department
104 Communication control interface unit
106 storage unit
106a Salary database
106b Internal expense database
106c house card database
106d Partner card database
106e Virtual account database
106f Company account database
106g Salary transfer information file
106h Debit information file
106i Payroll information file for other banks
108 I / O control interface
110 Clock generator
112 input device
114 Output device
200 Financial Institution System
300 Network

Claims (10)

Salary transfer information storage means for storing the employee number, salary amount, and salary transfer information including the virtual account number for the employee of the specific bank in association with each other,
Account debit information storage means for storing the employee number of each employee, the debit amount deducted from the salary, and the account debit information including the transfer account number to which the debit amount is transferred, in association with each other,
Salary transfer information to other banks that stores the employee number of each employee, salary transfer amount to other financial institutions, and salary transfer information to other banks including the salary transfer account number specified by the employee in association with each other Storage means;
After depositing the total of the salary amount of each employee into the company virtual account of the specific bank, from the company virtual account to the employee virtual account specified by the employee virtual account number of each employee On the other hand, a lump-sum salary transfer means for transferring the salary amount of each employee,
Collective deduction means for transferring a deduction amount obtained by summing the debit amount of each employee and the salary transfer amount from the employee virtual account to the company virtual account of each employee,
A virtual account management system comprising: A financial institution unit withdrawal means for calculating a total amount of the debit amount of each employee for each financial institution and transferring the total amount from the company virtual account to the company account of each financial institution;
Individual debit means for transferring the debit amount from the company account of each financial institution to the transfer account designated by the transfer account number for each financial institution,
The virtual account management system according to claim 1, further comprising: A financial institution-based pay transfer means for calculating the total amount of the salary transfer amount of each employee for each financial institution and transferring the total amount from the virtual account for the company to the company account of each financial institution,
For each financial institution, individual salary transfer means for transferring the salary transfer amount of each employee from the company account of each financial institution to the salary transfer account specified by the salary transfer account number of each employee,
The virtual account management system according to claim 1, further comprising: Salary transfer information storing step of storing employee number, salary amount, and salary transfer information including the virtual account number for the employee of the specific bank in association with each other,
Account debit information storing step of storing the employee number of each employee, the debit amount deducted from the salary, and the account debit information including the transfer account number to which the debit amount is transferred, in association with each other,
Salary transfer information to other banks that stores the employee number of each employee, salary transfer amount to other financial institutions, and salary transfer information to other banks including the salary transfer account number specified by the employee in association with each other A storage step;
After depositing the total of the salary amount of each employee into the company virtual account of the specific bank, from the company virtual account to the employee virtual account specified by the employee virtual account number of each employee In contrast, a lump-sum salary transfer step in which the salary amount of each employee is transferred,
A collective deduction step of transferring a deduction amount obtained by adding the debit amount and the salary transfer amount of each employee from the employee virtual account to the company virtual account of each employee;
A virtual account management method, comprising: A financial institution unit withdrawal step of calculating a total amount of the debit amount of each employee for each financial institution and transferring the total amount from the company virtual account to the company account of each financial institution;
For each financial institution, an individual withdrawal step of transferring the debit amount from the company account of each financial institution to the transfer account designated by the transfer account number,
The virtual account management method according to claim 4, further comprising: A financial institution-based pay transfer step of calculating a total amount of the salary transfer amount of each employee for each financial institution and transferring the total amount from the virtual account for the company to a company account of each financial institution;
For each financial institution, an individual salary transfer step of transferring the salary transfer amount of each employee from the company account of each financial institution to the salary transfer account specified by the salary transfer account number of each employee,
The virtual account management method according to claim 4, further comprising: Salary transfer information storing step of storing employee number, salary amount, and salary transfer information including the virtual account number for the employee of the specific bank in association with each other,
Account debit information storing step of storing the employee number of each employee, the debit amount deducted from the salary, and the account debit information including the transfer account number to which the debit amount is transferred, in association with each other,
Salary transfer information to other banks that stores the employee number of each employee, salary transfer amount to other financial institutions, and salary transfer information to other banks including the salary transfer account number specified by the employee in association with each other A storage step;
After depositing the total of the salary amount of each employee into the company virtual account of the specific bank, from the company virtual account to the employee virtual account specified by the employee virtual account number of each employee In contrast, a lump-sum salary transfer step in which the salary amount of each employee is transferred,
A collective deduction step of transferring a deduction amount obtained by adding the debit amount and the salary transfer amount of each employee from the employee virtual account to the company virtual account of each employee;
A program causing a computer to execute a virtual account management method including: A financial institution unit withdrawal step of calculating a total amount of the debit amount of each employee for each financial institution and transferring the total amount from the company virtual account to the company account of each financial institution;
For each financial institution, an individual withdrawal step of transferring the debit amount from the company account of each financial institution to the transfer account designated by the transfer account number,
The program according to claim 7, further comprising: A financial institution-based pay transfer step of calculating a total amount of the salary transfer amount of each employee for each financial institution and transferring the total amount from the virtual account for the company to a company account of each financial institution;
For each financial institution, an individual salary transfer step of transferring the salary transfer amount of each employee from the company account of each financial institution to the salary transfer account specified by the salary transfer account number of each employee,
The program according to claim 7, further comprising: A computer-readable recording medium on which a program for causing a computer to execute the virtual account management method according to any one of claims 7 to 9 is recorded.

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