JP2024112068A - Information processing unit, information processing method, and information processing program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To facilitate using digital payment of salaries.

SOLUTION: An information processing device has a reception unit and a reflection unit. The reception unit receives a salary remittance request from a user. Based on the salary remittance request received from the user, the reflecting unit reflects a salary remittance destination, which is a remittance destination that can receive as electronic money, as the user's remittance destination registered in a management system used by an employer who employs the user in order to manage the user's salary remittance destinations.

SELECTED DRAWING: Figure 4

COPYRIGHT: (C)2024,JPO&INPIT

Description

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

Traditionally, cashless payment methods have been widely recognized by consumers, mainly in commercial transactions between companies and individuals. In particular, electronic payment services that are performed online using user terminals such as smartphones owned by individuals are becoming more and more popular among consumers due to their convenience. For example, a service provider that provides electronic payment services manages the balance of electronic money that the service user can use by linking it to an account that is individually assigned to the service user. Then, in response to a transaction request from the service user, the service provider provides the service user with a transaction method for making a payment using electronic money.

In addition, the government has recently begun to consider introducing a so-called "digital salary payment" system, which would allow money transfer businesses operating in the money transfer industry to pay salaries using digital money such as the electronic money and virtual currencies mentioned above. Note that the above-mentioned service providers may also act as money transfer businesses.

JP 2020-4122 A

However, with the above-mentioned conventional technologies, there remain many issues to be overcome in promoting the use of digital salary payments once digital salary payments are allowed. For example, if a money transfer service provider wants to support digital salary payments, it needs to provide a corporate account to the payer company, but setting up a corporate account requires time and effort, making it difficult to provide services quickly.

It is also possible for the company that pays the salary to act as a money transfer business. However, in order to operate a money transfer business, it is necessary to be registered with the Prime Minister in advance, which places a heavy burden on the company that pays the salary.

In addition, in the electronic payment services mentioned above, if the fund transfer business operator keeps track of the bank account of the service user and receives consent from the user to enable automatic charging of a certain amount, it is possible for the bank account to be automatically charged when cash such as salary is deposited into the user's bank account. However, many service users are reluctant to provide their own bank account information to the fund transfer business operator due to concerns that their personal information may be leaked.

As such, even if digital salary payments were allowed, given the current circumstances, there is a possibility that there will not be much progress in switching from the existing scheme of transferring salaries to bank accounts to digital salary payments.

This application has been made in consideration of the above, and aims to provide an information processing device, an information processing method, and an information processing program that can promote the use of digital salary payments.

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

According to one aspect of the embodiment, it has the effect of promoting the use of digital salary payments.

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

Below, the information processing device, information processing method, and information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, information processing method, and information processing program according to the present application are not limited to these embodiments. In addition, the same components in the following embodiments will be denoted by the same reference numerals, and duplicated descriptions will be omitted.

1. Embodiment
The information processing realized by the information processing device according to the embodiment will be described with reference to Fig. 1. Fig. 1 is a diagram showing an overview of a first processing example of the information processing according to the embodiment. Note that in Fig. 1, the information processing according to the embodiment is realized by a payment server 100, which is an example of the information processing device according to the embodiment.

(1-1. System Configuration)
As shown in FIG. 1, the information processing system 1 according to the embodiment includes a user terminal 10, a bank server 20, a personnel management system 30, and a payment server 100. The user terminal 10, the bank server 20, the personnel management system 30, and the payment server 100 are connected to each other via a network N (see FIG. 4, for example) in a wired or wireless manner so as to be able to communicate with each other. The network N is, for example, a wide area network (WAN) such as the Internet. The information processing system 1 shown in FIG. 1 may include a plurality of user terminals 10, a plurality of bank servers 20, a plurality of personnel management systems 30, and a plurality of payment servers 100. Regarding the configuration of the device of the information processing system 1, any configuration may be adopted as long as it is possible to realize the desired processing, but this will be described later.

The payment server 100 shown in FIG. 1 is an information processing device that executes information processing according to the embodiment, and is realized by a server device, a cloud system, or the like. For example, the payment server 100 provides service users with an electronic payment service (a service that provides a predetermined transaction means for controlling the exchange of electronic money by code payment) related to electronic payment using a user terminal 10. The payment server 100 executes information processing related to the electronic payment service. Specifically, the payment server 100 distributes an application program for user terminals (hereinafter, appropriately referred to as a "user application") for implementing code payment to general consumers who are service users. When the payment server 100 receives a transaction request from a user application via an interface dedicated to the user application, it executes information processing including a remittance process of electronic money between accounts according to the transaction request. The user application transmits transaction information including information such as the payment destination, the payment source, and the payment amount to the payment server 100. In addition to the above-mentioned information, the transaction information may include information such as a transaction code for individually identifying the transaction and date and time information (timestamp) for identifying the date and time when the transaction was performed.

The payment server 100 provides a linking service with a management system introduced by the employer who employs the user. The payment server 100 also provides a transfer service such as the payment of salary from the employer to the user, but the specific information processing content will be described in detail later. The payment server 100 may provide a service that accepts various transfers other than salary, not limited to the transfer of salary using electronic money. Furthermore, the service that accepts the transfer of salary and various transfers may be configured as a mini-app launched within a user app to realize code payment, or may be a unique application program prepared independently of the user app.

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

When the user terminal 10 receives control information for implementing a specified information processing from the payment server 100, the user terminal 10 implements the information processing in accordance with the control information. Here, the control information is described in, for example, a script language such as JavaScript (registered trademark), a style sheet language such as CSS (Cascading Style Sheets), a programming language such as Java (registered trademark), or a markup language such as HTML (HyperText Markup Language). The specified application itself delivered from the payment server 100 may be regarded as the control information.

The bank server 20 shown in FIG. 1 is an information processing device belonging to a bank (an example of a "financial institution") that manages bank accounts opened by applicants, and is realized by a server device, a cloud system, or the like. For example, the bank server 20 manages information on withdrawals from bank accounts by each card company and various service providers (such as the amount withdrawn and the date and time of withdrawal) and current account information (such as account balance) as the usage history of the bank account, in association with the account holder.

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

(1-2. Payment using user terminal 10)
Here, an example of code payment (electronic payment) using a user terminal 10 will be described. In the following description, an example will be described in which a user UY who receives a transaction object from a store X makes a payment using a user terminal 10, using a two-dimensional code (QR code (registered trademark)) arranged in the store X, which indicates store identification information that identifies the store X. Note that the example of code payment described below is also applicable to a case in which an arbitrary user makes a payment at an arbitrary store using an arbitrary user terminal 10. In addition, the two-dimensional code indicating the store identification information may be not only a QR code, but also a barcode, a predetermined mark, a number, or the like. In addition, the two-dimensional code is not limited to an example that is physically formed by a printed matter printed on a medium such as paper, and may be formed by image information displayed on an arbitrary terminal.

For example, when user UY makes a payment for the purchase or use of a transaction object such as various goods or services at store X, user UY launches a user application pre-installed on user terminal 10. User UY then photographs a two-dimensional code installed at store X via the user application. In such a case, user terminal 10 displays a screen for inputting the price of the transaction object, and accepts input of the payment amount from user UY or a store clerk at store X. User terminal 10 then transmits transaction information including user identification information that identifies user UY, store identification information (or information indicated by the store identification information, i.e., information indicating store X (for example, store ID)), and the payment amount to payment server 100.

When the payment server 100 receives transaction information from the user terminal 10, it transfers electronic money equivalent to the payment amount from the account of user UY indicated by the user identification information to the account of store X indicated by the store identification information. At this time, the payment server 100 may deduct a predetermined fee to be charged to store X from the electronic money equivalent to the payment amount before transferring it to the account of store X. Then, the payment server 100 sends a notification that the transaction has been completed to the user terminal 10. In such a case, the user terminal 10 notifies user UY that the electronic money transaction has been completed by outputting a screen or a predetermined sound indicating that the transaction has been completed. Alternatively, the payment server 100 may withdraw electronic money equivalent to the payment amount from the account of user UY indicated by the user identification information, manage it as sales information of store X, and transfer cash equivalent to the sales amount to a bank account held by store X at a predetermined timing. In this case, the payment server 100 may notify user UY that the electronic money transaction has been completed at the time that electronic money equivalent to the payment amount has been withdrawn from user UY's account.

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

When the payment server 100 receives the transaction information from the store terminal, it transfers electronic money equivalent to the payment amount from the account of user UY indicated by the user identification information to the account of store X. Then, the payment server 100 sends a notification to the store terminal or user terminal 10 that the transaction has been completed. The store terminal or user terminal 10 notifies user UY that the electronic money transaction has been completed by outputting a screen or a specified sound indicating that the transaction has been completed. The payment server 100 may also withdraw electronic money equivalent to the payment amount from the account of user UY indicated by the user identification information, manage the amount as sales information of store X, and transfer cash equivalent to the sales amount to a bank account held by store X at a specified time. In this case, the payment server 100 may notify the store clerk or user UY that the electronic money transaction has been completed at the time when the electronic money equivalent to the payment amount is withdrawn from user UY's account.

Furthermore, payment using the user terminal 10 may not only be a process of transferring electronic money from an account to which user UY has previously charged electronic money to store X's account, but may also be, for example, a payment using a credit card that user UY has previously registered. In such a case, for example, user terminal 10 may transfer electronic money in an amount indicated by the payment amount to store X's account, and may also bill the management company of user UY's credit card for the amount indicated by the payment amount.

Payment using the user terminal 10 may not only be a process of transferring electronic money from the account of user UY to the account of store X, but may also be, for example, a payment of transferring electronic money from the account of user UY to the account of another user (i.e., a transfer between users). For example, the user terminal 10 used by the sender user UY reads user identification information identifying the destination user (e.g., user identification information displayed on a terminal device used by the destination user), accepts input of the remittance amount from user UY, and transmits information indicating the read identification information, the remittance amount, and the user identification information identifying user UY to the payment server 100. In such a case, the payment server 100 may transfer electronic money in an amount indicated by the remittance amount from the account of user UY to the account of the destination user, and notify the user that the remittance has been completed by outputting a screen or a predetermined sound indicating that the remittance has been completed on the user terminal 10 or the terminal device used by the destination user.

Note that remittance using the user terminal 10 is not limited to the above-mentioned process. For example, remittance using the user terminal 10 may be performed by inputting the telephone number of the remittance destination user or information indicating the remittance destination user (e.g., user ID) into the user terminal 10. To give a specific example, the user terminal 10 accepts input of the remittance destination user's telephone number or user ID and the remittance amount from user UY, and transmits the input telephone number or user ID, the remittance amount, and user identification information identifying user UY to the payment server 100. The payment server 100 then transfers electronic money in the amount indicated by the remittance amount from the account of user UY to the account of the user linked to the transmitted telephone number or user ID.

Here, the telephone number or user ID of the remittance destination user may be linked to information about the user and registered in advance in the user app. In this case, the user terminal 10 accepts from user UY the designation of the user (remittance destination) registered in the user app and input of the remittance amount to the user, and transmits to the payment server 100 the telephone number or user ID linked to the designated user, the remittance amount, and user identification information that identifies user UY.

For example, remittance using the user terminal 10 may be performed by providing the remittance user with link information for receiving the remittance amount. As a specific example, the user terminal 10 accepts input of the remittance amount from user UY, generates link information for receiving the remittance amount, and provides the link information to the terminal device used by the remittance user by sending an email containing the link information or posting information containing the link information on a social networking service (SNS). Then, when the remittance user selects the link information and performs a receiving operation, the payment server 100 transfers electronic money in the amount indicated by the remittance amount from the account of user UY to the account of the remittance user.

The above-mentioned payment means and payment services are not limited to those for providing compensation for the purchase of goods or the provision of services (settlement of debts). For example, as described above, the payment means and payment services may have a function related to transfer between accounts held by multiple users. That is, the above-mentioned payment means and payment services may be services that control the transmission and reception of electronic money between accounts of any owner linked to the owner of electronic money, such as a user or a store. That is, the payment means and payment services according to the embodiment may be transaction means and transaction services that execute various controls for realizing the exchange of electronic money (not only various inter-account transfer controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various credit processes such as installments and processes associated with bonus payments, and various controls related to the exchange of assets including electronic money) and may be provided in any form. In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to transfer, or only one of them. That is, a "transaction" is a concept that includes not only "settlement" related to electronic money, but also "transfer" of electronic money and various other processes. In other words, the payment server 100 may be an information processing device that realizes a transaction means for controlling the exchange of electronic money between any owners.

(1-3. Overview of the embodiment)
(1-3-1. First Processing Example)
Below, we will explain an overview of information processing related to the linkage service with the management system executed by the payment server 100. In the example shown below, a bank account will be explained as an example of a transfer destination (also called a "salary transfer destination") that can receive electronic money, but the salary transfer destination is not limited to a bank account and can be any transfer destination as long as it can receive electronic money, and this point will be discussed later.

First, using Figure 1, we will explain the outline of the process when a user does not have a bank account that can be used as a salary transfer destination. Figure 1 shows an outline of the process related to paying salary to user UY, with user UY as the target. Note that in the explanation of Figure 1, user terminal 10 may be regarded as the same as user UY. In other words, in the following explanation of Figure 1, user UY can also be read as user terminal 10.

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

The payment server 100 accepts a salary transfer request from user UY (step S12). In response to user UY's operation on the content displayed on the user terminal 10 via the user app, the user terminal 10 transmits request information indicating user UY's salary transfer request to the payment server 100. For example, the user terminal 10 transmits request information including information indicating user UY and information indicating user UY's employer to the payment server 100, thereby making a salary transfer request for user UY to the payment server 100. In this way, the payment server 100, which has received user UY's request information, accepts user UY's request information as a salary transfer request from user UY. For example, the payment server 100 accepts a salary transfer request from a user in response to the user's operation on the content C1 to C4, etc. shown in FIG. 3, which will be described later.

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

When the payment server 100 determines that the user UY does not have a bank account that can receive electronic money, it requests the bank server 20, which belongs to an affiliated bank that can provide a bank account that can receive electronic money, to lend a virtual account (step S14). The payment server 100 requests the bank server 20 to lend a virtual account, which is a one-time account that can be used as a salary account. A virtual account is multiple virtual accounts linked to the same bank account owned by the operator who operates the payment server 100 at the affiliated bank. Note that this virtual account does not function as a bank account, but is unique number information for identifying the transfer destination, and functions as a dedicated account for accepting various transfers.

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

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

For example, the payment server 100 assigns a virtual account selected from a number of unused virtual accounts that have been loaned in advance from an affiliated bank as a registered transfer destination corresponding to user UY. In this case, the payment server 100 registers account information for identifying the assigned one-time account (virtual account) in association with identification information unique to user UY, and manages it as user information. For example, the identification information unique to user UY can be an account (user ID, etc.) that the payment server 100 assigns individually to each user when registering to use the electronic payment service.

In addition, for the purpose of complying with legally mandated retention regulations in the money transfer business, the payment server 100 may obtain from user UY, at the time of application for a transfer request, etc., information on a refund bank account for refunding to user UY linked to a dedicated account any amount of cash that exceeds a specified amount deposited into a dedicated account for transfer deposits as the transfer destination (remittance destination). The payment server 100 associates the refund bank account information obtained from user UY with the above-mentioned unique information and registers it as user information.

The payment server 100 reflects the transfer destination of user UY registered in the personnel management system 30 used by business C, the employer of user UY, to manage the transfer destination of user UY's salary. The payment server 100 transmits the transfer destination information indicating the transfer destination of user UY's salary to the personnel management system 30 introduced by business C, the employer of user UY (step S16). For example, the payment server 100 transmits the transfer destination information including information indicating user UY and information indicating the registered transfer destination corresponding to user UY to the device (also referred to as the "personnel management device") of the personnel management system 30 introduced by business C, the employer of user UY.

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

After executing the registration process, the personnel management system 30 notifies the payment server 100 of the execution result of the registration process for user UY's salary transfer destination (step S18). For example, the personnel management device of the personnel management system 30 sends execution result information including the success or failure of the registration process for user UY's salary transfer destination to the payment server 100. For example, when the personnel management device of the personnel management system 30 completes the registration process for user UY's salary transfer destination, it sends completion notification information indicating that the registration process for user UY's salary transfer destination was successfully completed to the payment server 100 as execution result information. For example, when the personnel management device of the personnel management system 30 fails to register user UY's salary transfer destination, it sends failure notification information indicating that the registration process for user UY's salary transfer destination failed to the payment server 100 as execution result information.

The settlement server 100, which has received the execution result information from the personnel management system 30, provides the user UY with information regarding the registration of the salary transfer destination of the user UY (step S19). For example, the settlement server 100 transmits information based on the execution result information received from the personnel management system 30 (also referred to as "provided information") to the user terminal 10 of the user UY. For example, when the registration process of the salary transfer destination of the user UY is completed, the settlement server 100 transmits the provided information indicating that the registration process of the salary transfer destination of the user UY has been successfully completed to the user terminal 10 of the user UY. For example, when the registration process of the salary transfer destination of the user UY fails, the settlement server 100 transmits the provided information indicating that the registration process of the salary transfer destination of the user UY has failed to the user terminal 10 of the user UY. In this way, when the salary transfer destination cannot be reflected in the personnel management system 30, the settlement server 100 transmits the provided information indicating that the link with the personnel management system 30 was not possible to the user terminal 10 of the user UY.

As described above, if a user does not have a transfer destination where electronic money can be received, the payment server 100 associates the user with a transfer destination where electronic money can be received and registers that transfer destination in the personnel management system 30 as the user's salary transfer destination. This allows the payment server 100 to transition to digital salary payment without burdening the user, even if the user does not have an appropriate salary transfer destination, and promotes the use of digital salary payment.

(1-3-2. Second Processing Example (When the User Has a Transfer Destination))
Next, with reference to FIG. 2, an overview of the process when a user has a transfer destination that can be used as a salary transfer destination will be described. FIG. 2 is a diagram showing an overview of a second processing example of information processing according to an embodiment. FIG. 2 shows an overview of the process related to the payment of salary to user UZ, with user UZ as the target. Note that explanations of points similar to those in FIG. 1 will be omitted as appropriate. Also, in the explanation of FIG. 2, the user terminal 10 may be regarded as the same as user UZ. That is, in the following explanation of FIG. 2, user UZ may also be read as user terminal 10.

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

When the payment server 100 receives a salary transfer request from user UZ, it determines whether or not there is a bank account for user UZ that can be used as a salary transfer destination (step S23). For example, the payment server 100 refers to the transfer destination information associated with user UZ and determines whether or not user UZ has a bank account that can receive electronic money. In FIG. 2, the payment server 100 determines that user UZ has a virtual account (bank account) that can receive electronic money.

When the payment server 100 determines that user UZ has a bank account that can receive electronic money, it acquires that bank account (virtual account) as a transfer destination (registered transfer destination) to be registered for user UZ. The payment server 100 reflects the bank account as a transfer destination for user UZ registered in the personnel management system 30 used by business C, the employer of user UZ, to manage the transfer destinations of user UZ's salary. The payment server 100 transmits transfer destination information indicating the transfer destination of user UZ's salary to the personnel management system 30 introduced by business C, the employer of user UZ (step S24). For example, the payment server 100 transmits transfer destination information including information indicating user UZ and information indicating the registered transfer destination corresponding to user UZ to the device (personnel management device) of the personnel management system 30 introduced by business C, the employer of user UZ.

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

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

As described above, when a user has a transfer destination that can receive electronic money, the payment server 100 registers that transfer destination in the personnel management system 30 as the user's salary transfer destination. As a result, when a user has a transfer destination that can be used as a salary transfer destination, the payment server 100 can use that transfer destination, thereby making it possible to transition to digital salary payment without burdening the user, and promoting the use of digital salary payment.

Note that the above-mentioned process is merely an example, and the payment server 100 may perform various processes to properly pay wages, not limited to the above. For example, the payment server 100 may obtain information on predetermined necessary items from the user when applying for use, for the purpose of complying with the above-mentioned retention regulations and detecting errors in remittances in the name of wages. The predetermined necessary items are assumed to be the place of employment or employer, employee number, name within the company, amount to be received, and refund bank account. Information on the place of employment and employer is assumed to be used for confirming the remittance source (remittance source) in the remittance deposit service for receiving wages. In addition, the employee number is assumed to be used as a key to confirm the identity of the remittance source in the case of an error in the remittance. In addition, the name within the company is assumed to be used for confirming the account holder specified as the remittance destination (remittance destination). In addition, it is assumed that the amount to be received is used to adjust in advance so that it does not exceed a predetermined amount. It is assumed that the refund bank account is used as the remittance destination (remittance destination) for amounts exceeding a predetermined amount. The payment server 100 associates the specified information acquired from the user with the unique information described above and registers it as user information.

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

Below, we will use Figure 3 to explain an example of a case where user UZ makes a salary transfer request. Note that explanations of points similar to those explained in Figures 1 and 2 will be omitted as appropriate.

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

When the user selects button BT1 marked "Agree to the above and continue" in the state of content C1 in FIG. 3, the user terminal 10 acquires the information accepted in content C1, transitions the display to content C2, and continues to display the salary transfer request. In FIG. 3, when user UZ selects button BT1, user terminal 10 of user UZ displays content C2. Note that when the user selects button BT2 marked "Do not agree," the user terminal 10 may end the display of the salary transfer request and end the acceptance of the salary transfer request.

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

When a user specifies his/her place of employment from the list of businesses in content C2 in FIG. 3, the user terminal 10 acquires the information received in content C2, transitions the display to content C3, and continues to display the salary transfer request. In FIG. 3, when user UZ specifies (selects) business C, which is his/her place of employment (employer), the user terminal 10 of user UZ displays content C3. Note that a user may search for his/her own place of employment by entering the name of the place of employment, etc., in a search box in content C2, and specify his/her own place of employment from the search results.

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

When the user selects button BT3 marked "Set and proceed" in the state of content C3 in FIG. 3, the user terminal 10 acquires the information accepted in content C3, transitions the display to content C4, and continues to display the salary transfer request. In FIG. 3, when user UZ selects button BT3, the user terminal 10 of user UZ displays content C4. Note that content C3 may be omitted in the salary transfer request. When content C3 is omitted, if the user selects the employer from the list of businesses in content C2 in FIG. 3, the user terminal 10 acquires the information accepted in content C2, transitions the display to content C4, and continues to display the salary transfer request.

Content C4 in FIG. 3 is content for reflecting changes (registration) of the user's salary transfer destination in the personnel management system 30. Content C4 is content for accepting login information for the personnel management system 30 used (introduced) by the user's employer. Content C4 in FIG. 3 accepts input of information required for logging in to personnel management system #1 (indicated as "system #1" in FIG. 3) introduced by business C, the employer of user UZ. Specifically, content C4 accepts input of the user's common employee number and password, which are an example of information required for logging in to system #1. Note that the common employee number and password are merely an example of information required for logging in, and the information required for logging in may differ for each personnel management system 30. The information processing system 1 manages the information required for logging in for each personnel management system 30 as information required at the time of login, and the user terminal 10 may display the information required for logging in to the personnel management system 30 based on the information required at the time of login for that personnel management system 30.

In FIG. 3, when a user inputs a common employee number and password into content C4 and selects button BT4 marked "Login," the user terminal 10 requests the information processing system 1 to change (register) the salary transfer destination based on the information received in contents C1 to C4.

For example, the user terminal 10 transmits the information received in contents C1 to C4 to the payment server 100, and the payment server 100 accepts the information from the user terminal 10 as a salary transfer request from the user. Using the information received from the user terminal 10, the payment server 100 requests the human resources management system #1 to change (register) the user's salary transfer destination via an API or the like provided by the human resources management system #1.

In FIG. 3, user UZ inputs his/her employee number and password at business C into content C4 and presses button BT4, causing user UZ's user terminal 10 to request a change (registration) of user UZ's salary transfer destination. For example, the payment server 100 accepts user UZ's login information from user UZ's user terminal 10, transmits the login information and transfer destination information to human resources management system #1 via an API provided by human resources management system #1, and provides information obtained from human resources management system #1 indicating whether registration is possible to user terminal 10.

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

Content C5 may include information indicating the salary transfer start date. In this case, the payment server 100 obtains information indicating the planned start date of salary transfer from the personnel management system 30 that requested the change (registration) of the salary transfer destination, and provides the obtained information indicating the planned date to the user terminal 10. In FIG. 3, the payment server 100 provides information to the user terminal 10 of user UZ indicating the planned time when the salary transfer destination of user UZ will be reflected in personnel management system #1.

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

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

The electronic money account includes a wallet linked to the account given to the service user. The wallet accepts digital money deposits (addition to the balance) and digital money withdrawals (payment of the balance). For example, the wallet is used to manage the deposits and withdrawals of digital money, and corresponds to the digital money account identified by the account ID in Figure 7.

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

(1-4. Transfer deposit processing)
The following provides an overview of the salary payment (transfer) process using the salary payment service. The following provides an overview of the process in the information processing system 1 when user UZ uses the salary transfer service.

Business C, the employer of user UZ, pays the salary (transfers the salary) based on the transfer destination information indicating the transfer destination of user UZ's salary registered in the personnel management system 30. For example, business C transfers user UZ's salary from the sending bank where it holds a bank account, to the bank (branch) account and account holder indicated in the transfer destination information. For example, an example is shown in which business C transfers salary: "¥250,000" to dedicated account number: "111111", whose account holder is "Shohyojin".

The payment server 100 executes a detection process to detect transfers to a dedicated account (virtual account) that is individually assigned to each user from among multiple virtual accounts linked to the same bank account. For example, the payment server 100 checks the balance of a bank account to which multiple dedicated accounts (virtual accounts) are linked at a specified time. Then, if the balance of the relevant bank account has increased, the payment server 100 individually identifies the dedicated account number indicating the dedicated account (virtual account) specified as the remittance destination.

Furthermore, when the payment server 100 detects a deposit to a dedicated account number for a transfer deposit, it executes a process to confirm the details of the transfer. Then, the payment server 100 executes a process according to the results of the confirmation of the details of the transfer. For example, the payment server 100 obtains the balance of a dedicated account (virtual account) linked to the target user (such as user UZ) who is the recipient of the transfer deposit. Then, the payment server 100 determines whether the balance of the dedicated account (virtual account) after reflecting the amount of the transfer deposit exceeds a predetermined amount.

If the balance of the dedicated account (virtual account) does not exceed a predetermined amount, the payment server 100 executes a charge process to reflect the amount of the transfer deposit in the balance of the electronic money owned by the target user. On the other hand, if the balance of the dedicated account (virtual account) exceeds a predetermined amount, the payment server 100 executes a refund process to transfer cash in an amount equivalent to the amount exceeding the predetermined amount to a bank account that is linked to the target user in advance.

In addition, if the detected transfer is for salary receipt, the payment server 100 may send a confirmation request to the target user to confirm the transfer details. For example, if the transfer source of the transfer is different from the workplace or employer preset by the target user, the payment server 100 may send a confirmation notification to the user terminal 10 as to whether or not the transfer is for salary receipt. In this case, if the payment server 100 receives confirmation from the target user, it executes processing such as charging the money balance. In addition, the payment server 100 may trace the transfer history of the target user, and if the transfer for salary receipt is made at irregular times, it may send a confirmation notification to the user terminal 10 to ask the target user whether or not the transfer for salary receipt is correct. In addition, the payment server 100 may trace the transfer history of the target user, and if transfers for purposes other than salary are continuously detected at regular times, it may send a confirmation notification to the user terminal 10 to inquire of the target user as to whether or not the transfer for salary receipt is correct. This will prevent the transfer deposit service from being used for the wrong purpose.

The payment server 100 may also obtain, at a specified timing, information indicating the money balance that is managed as a breakdown of salary for each service user, and notify the affiliated bank. In the event that a money transfer service provider goes bankrupt, the affiliated bank may guarantee the electronic money paid as salary. In such a case, it is useful for the affiliated bank to check the balance of the electronic money paid to the user as salary, in that it can ascertain the amount that requires guarantee.

When applying to use the transfer deposit service for receiving a salary, the payment server 100 may also be able to accept from the user the selection of the amount of the transfer deposit to be received in electronic money. In this case, the payment server 100 can process the amount of the deposit minus the amount to be received in electronic money, and transfer the difference in cash to the bank account of the target user.

The operator of the payment server 100 may also make a prior arrangement with an affiliated bank to refuse to accept a transfer deposit if the amount of a single deposit (one shot) exceeds a specified amount. For example, the payment server 100 transmits, at a specified timing, information to the bank server 20 indicating the specified amount for which the deposit to the virtual account will be refused. The specified amount may be set for each purpose of use (transfer deposit service).

The payment server 100 may also obtain from the bank server 20 information regarding a transfer deposit for which the bank server 20 has performed a process to reject the deposit into a virtual account. For example, in a transfer deposit service for receiving a salary, if the amount of a deposit in one shot exceeds a specified amount, the payment server 100 determines that there is a high probability that the amount will also exceed the specified amount next time. In this case, the payment server 100 sends a confirmation notification to the target user linked to the virtual account to which the transfer deposit is to be sent, asking whether or not they will continue to use the transfer deposit service for receiving a salary next time. This makes it possible to prevent the affiliated bank from rejecting the deposit next time as well.

(1-5. Example of payment notification)
An example of a notification of a transfer deposit using the salary transfer deposit service will be described below. The user terminal 10 used by user UZ displays information in accordance with user UZ's operation. For example, when user UZ receives salary payment from business C, the user terminal 10 used by user UZ displays information indicating the salary payment, such as "Salary payment has been received from business C." The user terminal 10 used by user UZ displays detailed information regarding the details of the salary payment in accordance with user UZ's operation. This allows user UZ to confirm that the coordination of salary-related services has functioned normally.

As described above, when the information processing system 1 receives a salary transfer request from a user, it registers a transfer destination available for receiving electronic money as the user's transfer destination information registered in a management system used by employers to manage the user's salary transfer destinations. The information processing system 1 also receives a salary transfer request from the user via an application used by the user when using electronic money. The information processing system 1 may also register transfer destination information for providing electronic money as the user's salary from the employer's account (corporate account) in the electronic money service.

In addition, the information processing system 1 may register any wallet of the user as a transfer destination, or may register any wallet specified by the user. In this case, the information processing system 1 may register a wallet with a limited payment purpose as a transfer destination. In addition, when registering multiple wallets as transfer destinations, the information processing system 1 may accept a specification of the proportion (percentage) of the amount to be deposited into each wallet.

As described above, the information processing system 1 accepts a request from a user to receive a salary at a transfer destination that can receive the salary as electronic money via the electronic money service. The information processing system 1 accepts the request and presents a list of businesses (companies) that employ management systems that are linked to the electronic money service. For example, the information processing system 1 presents a list of companies that can register salary accounts via the electronic money service. The information processing system 1 accepts the setting of the amount to be received as electronic money. The information processing system 1 accepts the selection of a company and displays a screen for accepting login information for the management system linked to the company. The information processing system 1 accepts the login information and sends a request to register a salary account, including the login information and the salary account, to an API provided by the management system, accepts whether or not the account has been registered from the management system, and if it has been registered, displays this on the user terminal 10 of the user.

Furthermore, if there is no deposit to a salary account for a certain period of time after the salary account is registered through service collaboration with a management system, the information processing system 1 may notify the user that "if the user changes jobs, collaboration with the new company is possible." The information processing system 1 may also notify the user of the start date of salary transfers. The information processing system 1 may also present information on the procedure completion screen to confirm when the transfers will start. If the reflection time differs depending on the management system (company), the information processing system 1 may store the response deadline for each system and calculate and notify the next transfer date based on that. The information processing system 1 may also obtain information on when the transfer will start from the API of the management system and notify the user.

The information processing system 1 may also display a screen prepared for each employer of a company, etc. For example, the information processing system 1 may display a contact point for login information, or a URL (Uniform Resource Locator) where login information can be confirmed. Such information is for use in the information processing system 1 when a user is unable to log in to the personnel management system 30 or when the user has forgotten their login ID. For example, a user can check their own login information required to log in to the personnel management system 30 by using a contact point for login information or a URL where login information can be confirmed.

In addition, if the management system supports electronic money payments of wages, the information processing system 1 may register an account with an electronic money service as the transfer destination. In this case, the information processing system 1 stores, for each linked management system, whether or not it supports a wage account (bank account) and electronic money, and in the case of a management system that supports both, it registers an account with the electronic money service as the transfer destination instead of the wage account. Alternatively, the information processing system 1 may accept a selection by the user as to whether to link a wage account or an account with the electronic money service.

[2. Configuration of the payment server]
Next, the configuration of the payment server 100 will be described with reference to Fig. 4. Fig. 4 is a diagram showing an example of the configuration of the payment server according to the embodiment. As shown in Fig. 4, the payment server 100 includes a communication unit 110, a storage unit 120, and a control unit 130.

(Regarding communication unit 110)
The communication unit 110 is realized by, for example, a network interface card (NIC) etc. The communication unit 110 is connected to the network N by wire or wirelessly, and transmits and receives information between the user terminal 10, the bank server 20, etc.

(Regarding the storage unit 120)
The storage unit 120 is realized by, for example, a semiconductor memory element such as a random access memory (RAM) or a flash memory, or a storage device such as a hard disk, an optical disk, etc. As shown in Fig. 4, the storage unit 120 has a virtual account information storage unit 121, a user information storage unit 122, an account information storage unit 123, and a linkage information storage unit 124.

(Regarding the virtual account information storage unit 121)
The virtual account information storage unit 121 stores information about virtual accounts that have been loaned from affiliated banks. Fig. 5 is a diagram showing an example of information stored in the virtual account information storage unit according to the embodiment. As shown in Fig. 5, the information about virtual accounts stored in the virtual account information storage unit 121 has a "virtual account number" field and a "status" field.

The "Virtual Account Number" field stores a unique account number for each of multiple virtual accounts linked to the same bank account owned by the business operator operating the payment server 100 at the partner bank. Note that this virtual account does not function as a bank account, but is unique number information for identifying the transfer destination (remittance destination) and functions as a dedicated account for accepting various transfers. The "Status" field stores information indicating whether the account number indicating the corresponding virtual account is in use (assigned to a service user).

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

(Regarding the user information storage unit 122)
The user information storage unit 122 stores user information on service users of the transfer deposit service. Fig. 6 is a diagram showing an example of information stored in the user information storage unit according to the embodiment. As shown in Fig. 6, the user information stored in the user information storage unit has multiple items such as a "user ID" item, a "virtual account (account number)" item, a "user name" item, an "employer/place of work", an "employee number" item, an "in-company name", an "amount to be received (yen)", and an "refund bank account" item. These items in the user information are mutually associated.

The "User ID" field stores identification information unique to each user of the transfer deposit service. The "Virtual Account (Account Number)" field stores the account number information indicating the virtual account assigned to the service user. The "User Name" field stores information indicating the name of the service user.

The "Place of Work/Employer" field stores information indicating the name of the company where the service user works and the employer who employs the service user. Information about the place of work and employer is expected to be used to confirm the source of remittance in the remittance service for receiving wages.

The "Employee Number" field stores information indicating the employee number assigned to the service user at their workplace. The employee number is expected to be used as a key to verify the identity of the sender in the event of an error in a transfer deposit.

The "Company name" field stores information indicating the name of the service user at their workplace. The company name is expected to be used to verify the account holder of the account specified as the remittance destination.

The "Amount to be received (yen)" field stores information indicating the amount of salary that the service user is expected to receive from their place of employment or employer. It is assumed that the amount to be received will be used to adjust the amount so that it does not exceed a predetermined amount.

The "Refund Bank Account" field stores information indicating a bank account owned by the service user. If a single deposit amount via the transfer deposit service exceeds a specified amount, or if the balance of the virtual account after reflecting the deposit amount exceeds a specified amount, the bank account stored in the "Refund Bank Account" field is used as the destination for a cash refund of the amount by which the balance exceeds the specified amount. Note that information corresponding to the "Place of Work/Employer", "Employee Number", "Name Within the Company", "Amount to Receive (10,000 yen)", and "Refund Bank Account" fields is stored when a service user applies to use the transfer deposit service to receive salary.

According to Figure 6, the account number of the virtual account for transfer deposits assigned to the service user identified by the user ID: "U001" is "111112," the name is "Tokyo Kenichi," and the "refund bank account" is "D Bank △△ Branch Regular Account ****."

Figure 6 also shows that the account number of the virtual account for salary transfers assigned to the service user (e.g. user UY) identified by user ID: "U002" is "111113" and the name is "Ishou Sakurako". It also shows that the service user identified by user ID: "U002" has an employer (place of work) of company C, an employee number of employee #EX-2, and an in-house name of "Ishou Sakurako". It also shows that the amount to be received by the service user identified by user ID: "U002" is "300,000" and the "refund bank account" is "Regular account **** at E Bank XX branch".

Also, according to FIG. 6, the account number of the virtual account for salary transfers assigned to the service user (e.g. user UZ) identified by user ID: "U003" is "111111", and the name is "Shohyojin". It is also shown that the service user identified by user ID: "U003" has an employer (place of work) of company C, an employee number of employee #EX-3, and an in-house name of "Shohyojin". It is also shown that the amount to be received by the service user identified by user ID: "U003" is "250,000", and the "refund bank account" is "Regular account **** at E Bank □□ branch".

(Regarding the account information storage unit 123)
The account information storage unit 123 stores various information (account information) related to electronic money accounts (wallets) owned by service users in electronic payment services. Fig. 7 is a diagram showing an example of information stored in the account information storage unit according to an embodiment. As shown in Fig. 7, the account information stored in the account information storage unit 123 has multiple items such as an "account ID" item, an "owner ID" item, a "balance" item, and a "details" item, and these items in the account information are associated with each other.

The "Account ID" field stores identification information for identifying an electronic money account (wallet). The "Owner ID" field stores identification information for identifying the owner of the electronic money account (payment account) linked to the account ID. The "Owner ID" field may store the same information as that stored in the user ID field.

The "Balance" item stores information showing the money balance (total balance) of electronic money recorded in an electronic money account (payment account). The "Breakdown" item stores information showing the breakdown of the money balance. For example, the "Breakdown" item corresponds to wallets classified according to use. Specifically, the "Breakdown" item includes a "Salary" item and a "Non-Salary" item. That is, an electronic money account (wallet) includes wallets corresponding to "salary" and wallets corresponding to "non-salary". The "Salary" item stores information showing the balance of digital money transferred as salary through a transfer deposit service for receiving salary. The "Non-Salary" item stores information showing the balance of digital money transferred as non-salary through a transfer deposit service.

According to FIG. 7, the owner of the electronic money account identified by "Account ID": "Account 001" is a service user identified by Owner ID: "U001", the money balance is "100,000", and the breakdown is all non-salary.

(Regarding the cooperation information storage unit 124)
The linkage information storage unit 124 stores various information related to linkage of services related to salary payment. Fig. 8 is a diagram showing an example of information stored in the linkage information storage unit according to the embodiment. As shown in Fig. 8, the linkage information stored in the linkage information storage unit 124 has multiple items such as an item of "corresponding salary payer" and an item of "introduced system".

The "Supported salary payer" field stores information indicating a salary payer with which services related to salary payment can be linked. For example, the "Supported salary payer" field stores information indicating employment of a business that has introduced a personnel management system with which services related to salary payment can be linked.

The "Installed System" field stores information indicating the personnel management system installed by the payer of the corresponding salary. For example, the "Installed System" field stores information indicating the personnel management system installed by an employer such as a business.

Figure 8 shows that business A, which is the "corresponding payroll payer," has implemented personnel management system #1 that enables integration of services related to payroll.

(Regarding the control unit 130)
The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or an MPU (Micro Processing Unit) executing various programs stored in a storage device inside the payment server 100 using a RAM as a working area. The control unit 130 can also be realized, for example, by an integrated circuit such as an ASIC (Application Specific Integrated Circuit) or an FPGA (Field Programmable Gate Array). As shown in FIG. 4, the control unit 130 according to the embodiment has a reception unit 131, a transfer destination determination unit 132, a reflection unit 133, a management unit 134, and a provision unit 135, and these units realize or execute the functions and actions of the information processing described below.

(Regarding the Reception Unit 131)
The reception unit 131 receives various information necessary for processing. The reception unit 131 receives various information from users, merchants, etc. The reception unit 131 receives various information from external information processing devices such as the user terminal 10, the bank server 20, and devices included in the personnel management system 30.

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

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

The reception unit 131 receives transfers to dedicated accounts (virtual accounts) that are individually assigned to each service user from among multiple virtual accounts linked to the same bank account owned by the business (a business that provides transfer deposit services) at an affiliated bank (an example of a "financial institution"). When a transfer is detected, the reception unit 131 passes information such as the account number indicating the dedicated account (virtual account) that received the transfer, the account holder of the transfer destination (remittance destination), and the amount of the deposit to the transfer destination determination unit 132 or reflection unit 133.

If the amount of a single transfer exceeds a specified amount, the reception unit 131 requests the affiliated bank to refuse to accept the transfer. If the balance of the virtual account after reflecting the deposit amount exceeds a specified amount, the reception unit 131 transfers cash in an amount equivalent to the amount by which the balance exceeds the specified amount to a bank account that is pre-linked to the service user. If the detected transfer is for receiving a salary, the reception unit 131 may send a confirmation request to the target user to confirm the transfer details.

(Regarding the transfer destination determination unit 132)
The transfer destination determination unit 132 makes various determinations (judgments) regarding the transfer destination. The transfer destination determination unit 132 judges whether or not there is a transfer destination using information stored in the memory unit 120. The transfer destination determination unit 132 makes judgments using various information acquired by the reception unit 131. The transfer destination determination unit 132 judges whether or not there is a transfer destination of the user that can be used as a salary transfer destination. The transfer destination determination unit 132 judges whether or not there is a transfer destination linked to the user's payment service account.

(Regarding the reflection unit 133)
The reflection unit 133 reflects the salary transfer destination, which is a transfer destination where electronic money can be received, as the transfer destination of the user registered in the personnel management system 30 used by the employer who employs the user to manage the transfer destinations of the user's salary, based on a salary transfer request received from the user. The reflection unit 133 transmits transfer destination information indicating the salary transfer destination to the personnel management system 30, and has the personnel management system 30 register the salary transfer destination as the transfer destination of the user, thereby reflecting the salary transfer destination as the transfer destination of the user.

When there is no transfer destination available for the user as a salary transfer destination, the reflection unit 133 associates a transfer destination available as a salary transfer destination with information related to the user, and reflects the transfer destination as a salary transfer destination for the user registered in the personnel management system 30. When there is a transfer destination available for the user as a salary transfer destination, the reflection unit 133 reflects the salary transfer destination as a transfer destination for the user registered in the personnel management system 30.

The reflection unit 133 reflects bank accounts available for receiving electronic money as transfer destinations for users registered in the human resources management system 30. If there is no bank account available for a user to transfer salary to, the reflection unit 133 associates a virtual account, which is a bank account available for transfer of salary, with information related to the user, and reflects the virtual account as the transfer destination for the user registered in the human resources management system 30 as the transfer destination for salary.

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

The reflection unit 133 executes processing according to the determination result by the transfer destination determination unit 132. The reflection unit 133 executes processing to reflect the transfer destination according to the determination result by the transfer destination determination unit 132. The reflection unit 133 identifies the personnel management system 30 corresponding to the employer based on the employer's information. The reflection unit 133 reflects the salary transfer destination as the transfer destination of the user registered in the personnel management system 30 identified based on the employer's information. The reflection unit 133 reflects the salary transfer destination as the transfer destination of the user registered in the personnel management system 30 using information for the user to log in to the personnel management system 30. When a transfer is detected by the reception unit 131, the reflection unit 133 reflects the amount of the transfer deposit in the money balance indicating the balance of electronic money owned by the service user that is previously associated with a dedicated account (virtual account).

(Regarding the management unit 134)
The management unit 134 manages information related to services provided by the information processing system 1. The management unit 134 manages information related to users. The management unit 134 manages information related to users who use electronic money services. The management unit 134 manages various information such as the user's bank account by associating it with the user's account (e.g., account ID, etc.) in the electronic money service.

For example, when the management unit 134 receives a request from a service user to create a dedicated account (virtual account), it arbitrarily assigns a virtual account selected from among a number of unused virtual accounts that have been loaned in advance from an affiliated bank as the dedicated account (virtual account) corresponding to the service user who made the creation request, and manages the account information for identifying the assigned dedicated account (virtual account) in association with identification information unique to the service user (e.g., a user ID).

The management unit 134 may assign a dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account) (such as making a transfer deposit other than a salary or receiving a salary). If the purpose of use is not receiving a salary, the management unit 134 may assign a dedicated account (virtual account) with a pre-set expiration date for use. The management unit 134 may manage the money balance linked to the dedicated account (virtual account) for each purpose of use of the dedicated account (virtual account).

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

The providing unit 135 provides information related to salary transfers. If there is no deposit to the salary transfer destination within a certain period of time after the salary transfer destination is reflected in the personnel management system 30, the providing unit 135 notifies the user that the salary transfer destination is not in use. The providing unit 135 provides the user with information indicating the expected time when the salary transfer destination will be completely reflected in the personnel management system 30.

When the salary transfer destination cannot be reflected in the personnel management system 30, the providing unit 135 provides the user with information regarding the inability to link with the personnel management system 30. When there are multiple transfer destinations available for salary transfer, the providing unit 135 provides information for the user to select the transfer destination to be used as the salary transfer destination. The providing unit 135 transmits information related to salary transfers to the user terminal 10 used by the user.

3. Example of Processing Procedure
Hereinafter, an example of a processing procedure in the payment server 100 according to the embodiment will be described. Fig. 9 is a flowchart showing an example of an information processing procedure executed by the payment server according to the embodiment.

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

When the payment server 100 receives a salary transfer request from a user (step S101; Yes), it reflects the target transfer destination, which is a transfer destination that can receive electronic money, as the transfer destination of the user registered in the management system used by the employer who employs the user to manage the transfer destinations of the user's salary (step S102), and ends the processing procedure shown in Figure 9.

4. Modifications
(4-1. Recycling of Virtual Accounts)
In the above embodiment, the settlement server 100 may cancel the allocation of dedicated accounts (virtual accounts) that are in use and are not used for the transfer deposit service for a certain period of time to the service user, and may set the account in an unused state. Furthermore, the settlement server 100 may cancel the allocation only to dedicated accounts for transfer deposit services other than salary among dedicated accounts (virtual accounts) that are in use.

(4-2. Configuration of Information Processing System 1)
In the above embodiment, an example has been described in which the payment server 100 included in the information processing system 1 performs processing related to the electronic payment service and processing related to the transfer deposit service. However, the configuration of the information processing system 1 according to the embodiment does not need to be particularly limited to such an example, and the server device performing processing related to the electronic payment service and the server device performing processing related to the transfer deposit service may be physically separate servers, or each server device may belong to a different system. In this case, each server device is connected to be able to communicate with each other in a state in which information required for each process can be exchanged with each other.

The information processing system 1 does not have to include the personnel management system 30. In this case, an information processing device such as the payment server 100 of the information processing system 1 may cause the personnel management system 30 to register the transfer destination of the user's salary by requesting registration from the personnel management system 30 outside the information processing system 1. For example, an information processing device such as the payment server 100 may communicate with any device such as a server device included in the personnel management system 30 and request registration from that device, thereby causing a device of the personnel management system 30 to register the transfer destination of the user's salary.

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

In addition, each component of each device shown in the figure is a functional concept, and does not necessarily have to be physically configured as shown in the figure. In other words, the specific form of distribution and integration of each device is not limited to that shown in the figure, and all or part of them can be functionally or physically distributed and integrated in any unit depending on various loads, usage conditions, etc.

Furthermore, the above-mentioned embodiments can be combined as appropriate to the extent that the processing content is not contradictory.

5. Effects
As described above, the payment server 100 according to the embodiment, which is an example of an information processing device, includes the reception unit 131 and the reflection unit 133. The reception unit 131 receives a salary transfer request from a user. The reflection unit 133 reflects a salary transfer destination, which is a transfer destination that can receive electronic money, based on the salary transfer request received from the user, as a transfer destination of the user registered in a management system (hereinafter referred to as "personnel management system 30" in the embodiment) used by an employer who employs the user to manage the transfer destinations of the user's salary.

As a result, the payment server 100 according to the embodiment can provide a scheme for receiving wages in electronic money without imposing a burden on the payee, i.e., the user, and can promote the use of digital wage payments. In addition, the scheme provided to service users by the payment server 100 according to the embodiment makes it possible to easily receive various deposits such as wages in electronic money, which is expected to further enhance the advantages of electronic money.

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

As a result, the payment server 100 according to the embodiment can accept salary transfer requests using an application in which the user uses electronic money, thereby reducing the burden on users in transitioning to digital salary payments and promoting the use of digital salary payments.

In addition, in the payment server 100 according to the embodiment, the reflection unit 133 transmits transfer destination information indicating the salary transfer destination to the management system, and has the management system register the salary transfer destination as the user's transfer destination, thereby reflecting the salary transfer destination as the user's transfer destination.

As a result, the payment server 100 according to the embodiment can transmit transfer destination information indicating the user's salary transfer destination to a management system such as the personnel management system 30, and have the management system register the salary transfer destination as the user's transfer destination, thereby reducing the burden on users required to transition to digital salary payments and promoting the use of digital salary payments.

The payment server 100 according to the embodiment also has a transfer destination determination unit 132 that determines whether or not there is a transfer destination of the user that can be used as a salary transfer destination. If there is no transfer destination of the user that can be used as a salary transfer destination, the reflection unit 133 associates the transfer destination that can be used as a salary transfer destination with information related to the user, and reflects the transfer destination as a salary transfer destination of the user registered in the management system.

As a result, the payment server 100 according to the embodiment determines whether or not there is a transfer destination for the user that can be used as a salary transfer destination, and if there is no transfer destination for the user that can be used as a salary transfer destination, the payment server 100 has the user issue (lend) a transfer destination that can be used as a salary transfer destination, and associates that transfer destination with information related to the user and can be used as a salary transfer destination. Therefore, even if a user does not have an appropriate salary transfer destination, the user can transition to digital salary payment without any burden, and the use of digital salary payment can be promoted.

In addition, in the payment server 100 according to the embodiment, if a user has a transfer destination that can be used as a salary transfer destination, the reflection unit 133 reflects the salary transfer destination as the transfer destination of the user registered in the management system.

As a result, if a user has a transfer destination that can be used as a salary transfer destination, the payment server 100 according to the embodiment can use that transfer destination, thereby enabling the transition to digital salary payment without burdening the user, thereby promoting the use of digital salary payment.

In addition, in the payment server 100 according to the embodiment, the transfer destination determination unit 132 determines whether or not there is a transfer destination linked to the user's payment service account.

As a result, the payment server 100 according to the embodiment can determine whether or not there is a transfer destination linked to the user's payment service account, and can appropriately determine which transfer destinations can be used as salary transfer destinations, thereby promoting the use of digital salary payments.

In addition, in the payment server 100 according to the embodiment, the reflection unit 133 reflects bank accounts that can receive electronic money as transfer destinations for users registered in the management system.

As a result, the payment server 100 according to the embodiment can provide a scheme for receiving wages in electronic money without imposing a burden on the payee, i.e., the user, and can promote the use of digital wage payments.

In addition, in the payment server 100 according to the embodiment, when there is no bank account available for a user to transfer a salary to, the reflection unit 133 associates a virtual account, which is a bank account available for transfer of a salary, with information related to the user, and reflects the virtual account as the transfer destination of the user registered in the management system as the transfer destination for the salary.

As a result, when a user does not have a bank account available for a salary transfer, the payment server 100 according to the embodiment can associate a virtual account available for the user as a salary transfer destination with information related to the user and can use the virtual account as the salary transfer destination. This allows the transition to digital salary payment to be made without burdening the user, even if the user does not have an appropriate salary transfer destination, and promotes the use of digital salary payment.

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

As a result, the payment server 100 according to the embodiment can provide a scheme for receiving wages in electronic money without imposing a burden on the payee, i.e., the user, and can promote the use of digital wage payments.

In addition, in the payment server 100 according to the embodiment, if the management system is capable of paying wages in electronic money, the reflection unit 133 reflects the user's account as the salary transfer destination as the transfer destination of the user registered in the management system.

As a result, when the management system is capable of paying wages in electronic money, the payment server 100 according to the embodiment can use the user's account as the salary transfer destination, thereby enabling the transition to digital salary payment without burdening the user, thereby promoting the use of digital salary payment.

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

As a result, the payment server 100 according to the embodiment can identify the management system corresponding to the employer based on the information of the employer who employs the user, and can identify the management system that should be appropriately reflected, thereby providing a scheme for receiving wages in electronic money without imposing a burden on the payee, i.e., the user, and promoting the use of digital wage payments.

The reception unit 131 receives information from the user for the user to log in to the management system. The reflection unit 133 uses the information for the user to log in to the management system to reflect the salary transfer destination as the transfer destination of the user registered in the management system.

As a result, the payment server 100 according to the embodiment uses information for users to log in to the management system to reflect the salary transfer destination as the transfer destination of the user registered in the management system, thereby providing a scheme for receiving salary in electronic money without imposing a burden on the payee, i.e., the user, and promoting the use of digital salary payments.

The payment server 100 according to the embodiment also includes a providing unit 135. The providing unit 135 provides information related to salary transfers.

As a result, the payment server 100 according to the embodiment can improve the convenience of receiving wages in electronic money, and promote the use of digital wage payments.

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

As a result, the payment server 100 according to the embodiment can improve the convenience of receiving wages in electronic money, and promote the use of digital wage payments.

In addition, in the payment server 100 according to the embodiment, the providing unit 135 provides the user with information indicating the expected time when the salary transfer destination will be reflected in the management system.

As a result, the payment server 100 according to the embodiment can improve the convenience of receiving wages in electronic money, and promote the use of digital wage payments.

In addition, in the payment server 100 according to the embodiment, if the salary transfer destination cannot be reflected in the management system, the providing unit 135 provides the user with information regarding the inability to link with the management system.

As a result, the payment server 100 according to the embodiment can improve the convenience of receiving wages in electronic money, and promote the use of digital wage payments.

In addition, in the payment server 100 according to the embodiment, when there are multiple transfer destinations available for salary transfer, the providing unit 135 provides information to allow the user to select the transfer destination to be used as the salary transfer destination.

As a result, the payment server 100 according to the embodiment can improve the convenience of receiving wages in electronic money, and promote the use of digital wage payments.

In addition, in the payment server 100 according to the embodiment, the providing unit 135 transmits information related to the transfer of salary to a terminal device used by the user (hereinafter referred to as "user terminal 10" in the embodiment).

As a result, the payment server 100 according to the embodiment can improve the convenience of receiving wages in electronic money, and promote the use of digital wage payments.

6. Hardware Configuration
The payment server 100 according to the present embodiment described above is realized, for example, by a computer 1000 having a configuration as shown in Fig. 10. Fig. 10 is a hardware configuration diagram showing an example of a computer that realizes the functions of the payment server according to the embodiment.

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

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

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

The CPU 1100 controls output devices such as a display and a printer, and input devices such as a keyboard and a mouse, via the input/output interface 1600. The CPU 1100 acquires data from the input devices via the input/output interface 1600. The CPU 1100 also outputs data generated via the input/output interface 1600 to the output devices.

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

For example, when the computer 1000 functions as the payment server 100, the CPU 1100 of the computer 1000 executes a program loaded onto the RAM 1200 to realize the functions of the control unit 130. That is, the CPU 1100 realizes the processing by the payment server 100 according to this embodiment in cooperation with a program (e.g., an information processing program) loaded onto the RAM 1200. In addition, the HDD 1400 stores each data in the storage device of the payment server 100. The CPU 1100 of the computer 1000 reads and executes these programs from the recording medium 1800, but as another example, these programs may be obtained from another device via a specified communication network.

[7. Other]
Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

In addition, the above-mentioned payment server 100 can be flexibly configured to implement some functions by calling external platforms using an API (Application Programming Interface) or network computing.

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

REFERENCE SIGNS LIST 1 Information processing system 10 User terminal 20 Bank server 30 Personnel management system 100 Settlement server 110 Communication unit 120 Storage unit 121 Virtual account information storage unit 122 User information storage unit 123 Account information storage unit 124 Linkage information storage unit 130 Control unit 131 Reception unit 132 Transfer destination determination unit 133 Reflection unit 134 Management unit 135 Provision unit

Claims (18)

A reception unit that receives salary transfer requests from users;
a reflecting unit which reflects a salary transfer destination, which is a transfer destination where electronic money can be received, based on the salary transfer request received from the user, as a transfer destination of the user registered in a management system used by an employer who employs the user to manage the transfer destinations of the user's salary;
13. An information processing device comprising: The reception unit is
2. The information processing apparatus according to claim 1, wherein the salary transfer request is received from the user via an application used by the user when using the electronic money. The reflection unit is
The information processing device according to claim 1, characterized in that transfer destination information indicating the salary transfer destination is sent to the management system, and the management system registers the salary transfer destination as the transfer destination of the user, thereby reflecting the salary transfer destination as the transfer destination of the user. a transfer destination determination unit that determines whether or not there is a transfer destination of the user that can be used as a salary transfer destination;
having
The reflection unit is
The information processing device according to claim 1, characterized in that, when there is no transfer destination available for the user as the salary transfer destination, a transfer destination available as the salary transfer destination is associated with information related to the user, and the transfer destination is reflected as the salary transfer destination and as the transfer destination of the user registered in the management system. The reflection unit is
The information processing device according to claim 4, characterized in that, when the user has a transfer destination that can be used as the salary transfer destination, the salary transfer destination is reflected as the transfer destination of the user registered in the management system. The transfer destination determination unit
The information processing device according to claim 4 , further comprising: a determination as to whether or not there is a transfer destination linked to the user's account for the payment service. The reflection unit is
2. The information processing apparatus according to claim 1, wherein a bank account capable of receiving the electronic money is reflected as a transfer destination of the user registered in the management system. The reflection unit is
The information processing device according to claim 7, characterized in that, when there is no bank account of the user that can be used as a salary transfer destination, a virtual account which is a bank account that can be used as a salary transfer destination is associated with information related to the user, and the virtual account is reflected as the salary transfer destination and as the transfer destination of the user registered in the management system. The reflection unit is
2. The information processing apparatus according to claim 1, wherein an account in the electronic money service is reflected as a transfer destination of the user registered in the management system. The reflection unit is
The information processing device according to claim 9, characterized in that, when the management system is capable of paying the salary in electronic money, the account of the user is reflected as the salary transfer destination as a transfer destination of the user registered in the management system. The reception unit is
Accepting information about the employer who employs the user;
The reflection unit is
The information processing apparatus according to claim 1 , further comprising: a step of: identifying the management system corresponding to the employer based on the information of the employer; The reception unit is
receiving information from the user for the user to log in to the management system;
The reflection unit is
2. The information processing device according to claim 1, further comprising: a processor for executing a command for executing a command for a user to receive a salary from the user; a provision unit for providing information related to the salary transfer;
2. The information processing apparatus according to claim 1, further comprising: The providing unit is
The information processing device according to claim 13, characterized in that if there is no deposit to the salary transfer destination within a certain period of time after the salary transfer destination is reflected in the management system, the information processing device notifies the user that the salary transfer destination is not being used. The providing unit is
The information processing device according to claim 13, further comprising: providing the user with information indicating a planned time when the salary transfer destination will be reflected in the management system. The providing unit is
The information processing device according to claim 13, characterized in that, when there are a plurality of transfer destinations available for the salary transfer, information is provided to allow the user to select a transfer destination to be used as the salary transfer destination. 1. A computer-implemented information processing method, comprising:
A reception process for receiving a salary transfer request from a user;
a reflecting step of reflecting a salary transfer destination, which is a transfer destination where electronic money can be received, based on the salary transfer request received from the user, as a transfer destination of the user registered in a management system used by an employer who employs the user to manage the transfer destinations of the user's salary;
13. An information processing method comprising: The procedure for accepting salary transfer requests from users,
a reflection step of reflecting a salary transfer destination, which is a transfer destination where electronic money can be received based on the salary transfer request received from the user, as a transfer destination of the user registered in a management system used by an employer of the user to manage the transfer destinations of the user's salary;
An information processing program for causing a computer to execute the above.

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