Information processing unit, information processing method, and information processing program

Abstract

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

Description

[Technical field]

[0001] The present invention relates to an information processing device, an information processing method, and an information processing program. [Background technology]

[0002] Traditionally, cashless payment methods have been widely recognized by consumers, mainly for 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, the service provider provides the service user with a transaction method for making a payment using electronic money in response to a transaction request from the service user.

[0003] 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 wages using digital money such as the above-mentioned electronic money and virtual currency. Note that the above-mentioned service providers may also act as money transfer businesses. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2020-4122 A Summary of the Invention [Problem to be solved by the invention]

[0005] However, with the above-mentioned conventional technologies, there remain many issues to be overcome in promoting the use of digital salary payments when the ban on digital salary payments is lifted.For example, when a funds transfer service provider supports digital salary payments, it needs to provide a corporate account to the payer company, but since setting up a corporate account requires a lot of man-hours, it is difficult to provide the service quickly.

[0006] Another option is 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, which places a heavy burden on the company that pays the salary.

[0007] In addition, in the above-mentioned electronic payment services, 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 the user's cash, such as a salary, is deposited into the 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.

[0008] As such, even if digital salary payments were allowed, under the current circumstances, there is a high possibility that there will not be much progress in switching from the existing scheme of transferring salaries to bank accounts to digital salary payments.

[0009] The present 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. [Means for solving the problem]

[0010] The information processing device of 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, which is a transfer destination where the money 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 an employer of the user to manage the salary transfer destinations of the user. Effect of the Invention

[0011] According to one aspect of the embodiment, it is possible to promote the use of digital salary payments. [Brief description of the drawings]

[0012] [Figure 1] FIG. 1 is a diagram illustrating an overview of a first processing example of information processing according to the embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an overview of a second processing example of information processing according to the embodiment. [Diagram 3] FIG. 3 is a diagram showing an example of a display on the user terminal. [Figure 4] FIG. 4 is a diagram illustrating an example of the configuration of the payment server according to the embodiment. [Diagram 5] FIG. 5 is a diagram illustrating an example of information stored in a virtual account information storage unit according to the embodiment. [Figure 6] FIG. 6 is a diagram illustrating an example of information stored in a user information storage unit according to the embodiment. [Figure 7] FIG. 7 is a diagram illustrating an example of information stored in an account information storage unit according to the embodiment. [Figure 8] FIG. 8 is a diagram illustrating an example of information stored in a cooperation information storage unit according to the embodiment. [Figure 9] FIG. 9 is a flowchart illustrating an example of an information processing procedure executed by the payment server according to the embodiment. [Figure 10] 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. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0013] Hereinafter, the information processing device, the information processing method, and the information processing program according to the present application will be described in detail with reference to the drawings. Note that the information processing device, the information processing method, and the information processing program according to the present application are not limited to the embodiments. In addition, the same parts in the following embodiments are given the same reference numerals, and duplicated explanations will be omitted.

[0014] 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. In Fig. 1, it is assumed that 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.

[0015] (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. Note that 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.

[0016] 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 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 the user terminal 10 to a service user. The payment server 100 executes information processing related to the electronic payment service. Specifically, the payment server 100 distributes an application program for a user terminal (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, the payment server 100 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 a payment destination, a payment source, and a 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 a transaction and date and time information (timestamp) for identifying the date and time when the transaction was performed.

[0017] The payment server 100 provides a service of linking with a management system introduced by an employer who employs a user. The payment server 100 also provides a transfer service such as payment of a salary from an employer to a user, and the specific information processing will be described in detail later. The payment server 100 may provide a service that accepts various transfers other than a salary, not limited to a transfer of a salary using electronic money. The service that accepts a transfer of a salary or various transfers may be configured as a mini-app launched in a user app for implementing code payment, or may be a unique application program prepared independently of the user app.

[0018] 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 a service 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), or the like. The user terminal 10 displays information distributed by the payment server 100 using a web browser or an application. In FIG. 1, a smartphone is illustrated as an example of the user terminal 10.

[0019] When the user terminal 10 receives control information for implementing a predetermined information process from the payment server 100, the user terminal 10 implements the information process according to 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 predetermined application itself delivered from the payment server 100 may be regarded as the control information.

[0020] 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, etc. For example, the bank server 20 manages, as a bank account usage history, information on withdrawals from the bank account by each card company or various service providers (such as the amount withdrawn and the date and time of withdrawal), current account information (such as the account balance), etc., in association with the account holder.

[0021] 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 an enterprise. 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 salary payments 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 with 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 with 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.

[0022] (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)) placed in the store X and indicating 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.

[0023] 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 to payment server 100, 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.

[0024] When the payment server 100 accepts the transaction information from the user terminal 10, it transfers electronic money equivalent to the payment amount from the account of the user UY indicated by the user identification information to the account of the store X indicated by the store identification information. At this time, the payment server 100 may transfer the electronic money equivalent to the payment amount to the account of the store X after subtracting a predetermined fee to be charged to the store X from the electronic money equivalent to the payment amount. Then, the payment server 100 transmits a notification that the transaction is completed to the user terminal 10. In such a case, the user terminal 10 notifies the user UY that the electronic money transaction is completed by outputting a screen or a predetermined sound indicating that the transaction is completed. Alternatively, the payment server 100 may withdraw electronic money equivalent to the payment amount from the account of the user UY indicated by the user identification information, manage it as sales information of the store X, and transfer cash equivalent to the sales to a bank account held by the store X at a predetermined timing. In this case, the payment server 100 may notify the user UY that the transaction using electronic money has been completed at the time when electronic money equivalent to the payment amount has been withdrawn from the account of the user UY.

[0025] It should be noted 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 a "store terminal") installed in store X. Specifically, first, the user terminal 10 displays code information indicating user identification information for identifying user UY on a 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.

[0026] 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 the user UY indicated by the user identification information to the account of the store X. Then, the payment server 100 transmits a notification that the transaction has been completed to the store terminal or the user terminal 10. The store terminal or the user terminal 10 notifies the 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. The payment server 100 may also withdraw electronic money equivalent to the payment amount from the account of the user UY indicated by the user identification information, manage the amount as sales information of the store X, and transfer cash equivalent to the sales amount to a bank account held by the store X at a predetermined timing. In this case, the payment server 100 may notify the store clerk or the user UY that the electronic money transaction has been completed at the timing when the electronic money equivalent to the payment amount is withdrawn from the account of the user UY.

[0027] Furthermore, the 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 the account of store X, but may also be, for example, a payment using a credit card previously registered by user UY. In such a case, for example, user terminal 10 may transfer electronic money in an amount indicated by the payment amount to the account of store X, and may also bill the operating company of user UY's credit card for the amount indicated by the payment amount.

[0028] Furthermore, the settlement 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 settlement 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 remitter user UY reads user identification information identifying the remitter user (for example, user identification information displayed on a terminal device used by the remitter 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 settlement server 100. In such a case, the settlement 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 remitter 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 remitter user.

[0029] 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 telephone number or user ID of the remittance destination user 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. Then, 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 user linked to the transmitted telephone number or user ID.

[0030] 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 application. In this case, the user terminal 10 accepts from the user UY the designation of the user (remittance destination) registered in the user application and an input of the remittance amount to the user, and transmits to the settlement server 100 the telephone number or user ID linked to the designated user, the remittance amount, and user identification information for identifying the user UY.

[0031] Furthermore, 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 an input of the remittance amount from user UY, generates link information for receiving the remittance amount, and provides the link information to a terminal device used by the remittance user by sending an email including the link information or posting information including the link information on a social networking service (SNS). Then, when the remittance user selects the link information and performs a receiving operation, the settlement server 100 transfers electronic money in an amount indicated by the remittance amount from the account of user UY to the account of the remittance user.

[0032] The above-mentioned payment means and payment services are not limited to those for providing a price (settlement of debt) for purchasing a product or providing a service. For example, as described above, the payment means and payment services may have a function related to remittance 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 provided in any form as long as they are transaction means and transaction services that execute various controls for realizing the exchange of electronic money (not only various inter-account remittance controls via electronic money, but also controls related to exchanges between electronic money accounts and bank accounts, various claim processes such as installments and processes associated with bonus payments, and various controls related to the exchange of assets including electronic money). In addition, the various controls realized by such transaction means and transaction services may include both control related to payment and control related to remittance, or only one of them. That is, a "transaction" is a concept that includes not only "settlement" related to electronic money, but also "remittance" 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.

[0033] (1-3. Overview of the embodiment) (1-3-1. First processing example) Below is 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 is described 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, as will be described later.

[0034] First, with reference to Fig. 1, an overview of the process when a user does not have a bank account that can be used as a salary transfer destination will be explained. Fig. 1 shows an overview of the process related to the payment of salary to user UY, with user UY as the target. Note that in the explanation of Fig. 1, user terminal 10 may be regarded as the same as user UY. That is, in the following explanation of Fig. 1, user UY can also be read as user terminal 10.

[0035] 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.

[0036] The payment server 100 accepts a salary transfer request from the user UY (step S12). The user terminal 10 transmits request information indicating a salary transfer request from the user UY to the payment server 100 in response to the user UY's operation on the content displayed on the user terminal 10 via the user application. For example, the user terminal 10 transmits request information including information indicating the user UY and information indicating the user UY's employer to the payment server 100, thereby making a salary transfer request for the user UY to the payment server 100. As a result, the payment server 100, which has received the request information from the user UY, accepts the request information from the user UY as a salary transfer request from the user UY. For example, the payment server 100 accepts a salary transfer request from the user in response to the user's operation on the content C1 to C4, etc. shown in FIG. 3, which will be described later.

[0037] The payment server 100, which has received a salary transfer request from user UY, determines whether or not there is a bank account of 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.

[0038] The payment server 100, which has determined that the user UY does not have a bank account that can receive electronic money, 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 a number of 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.

[0039] 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 (for example, any number, such as a maximum of 9,999,999 accounts) from the bank server 20 at one time. For example, the payment server 100 may borrow a virtual account from the bank server 20 in advance before accepting a salary transfer request from the user.

[0040] In this case, the payment server 100 performs a process of acquiring a transfer destination (registered transfer destination) to be registered for the user UY within its own device, instead of the process of steps S14 to S15, which is communication with the bank server 20. For example, the payment server 100 manages virtual accounts borrowed in advance from the bank server 20 in the storage unit 120, such as the virtual account information storage unit 121. The payment server 100 may select one virtual account from the virtual accounts borrowed in advance from the bank server 20 as a registered transfer destination to be associated with the user.

[0041] 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, an account (user ID, etc.) that the payment server 100 assigns to each user individually when registering for use of the electronic payment service can be used as the identification information unique to user UY.

[0042] Furthermore, for the purpose of complying with legally mandated retention regulations in the money transfer business, the payment server 100 may obtain, from the user UY at the time of application for use such as a transfer request, information on a refund bank account for refunding to the user UY linked to the dedicated account any amount of cash that exceeds a predetermined amount among the amount deposited to the dedicated account for depositing transfers as the transfer destination (remittance destination). The payment server 100 associates the refund bank account information obtained from the user UY with the above-mentioned unique information and registers it as user information.

[0043] 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.

[0044] The personnel management system 30, which has received the transfer destination information from the payment server 100, executes a registration process to register the salary transfer destination indicated by the transfer destination information as the transfer destination of 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 by the transfer destination information as the transfer destination of user UY in the memory unit in association with information identifying user UY.

[0045] After executing the registration process, the personnel management system 30 notifies the payment server 100 of the execution result of the registration process for the salary transfer destination of user UY (step S18). For example, the personnel management device of the personnel management system 30 transmits execution result information including the success or failure of the registration process for the salary transfer destination of user UY to the payment server 100. For example, when the registration process for the salary transfer destination of user UY is completed, the personnel management device of the personnel management system 30 transmits completion notification information indicating that the registration process for the salary transfer destination of user UY was successfully completed to the payment server 100 as execution result information. For example, when the registration process for the salary transfer destination of user UY fails, the personnel management device of the personnel management system 30 transmits failure notification information indicating that the registration process for the salary transfer destination of user UY failed to the payment server 100 as execution result information.

[0046] 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 cooperation with the personnel management system 30 was not possible to the user terminal 10 of the user UY.

[0047] As described above, when 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 the transfer destination as the user's salary transfer destination in the personnel management system 30. 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.

[0048] (1-3-2. Second processing example (when the user has a transfer account)) Next, referring 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 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 can also be read as user terminal 10.

[0049] 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).

[0050] The payment server 100, which has received a salary transfer request from user UZ, 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.

[0051] The settlement server 100, which has determined that the user UZ has a bank account that can receive electronic money, acquires the bank account (virtual account) as a transfer destination (registered transfer destination) to be registered for the user UZ. The settlement server 100 reflects the transfer destination of the user UZ registered in the personnel management system 30 used by the business C, which is the employer of the user UZ, to manage the transfer destination of the user UZ's salary. The settlement server 100 transmits the transfer destination information indicating the transfer destination of the user UZ's salary to the personnel management system 30 introduced by the business C, which employs the user UZ (step S24). For example, the settlement server 100 transmits the transfer destination information including information indicating the user UZ and information indicating the registered transfer destination corresponding to the user UZ to the device (personnel management device) of the personnel management system 30 introduced by the business C, which employs the user UZ.

[0052] The personnel management system 30, which has received the transfer destination information from the payment server 100, executes a registration process to register the salary transfer destination indicated by the transfer destination information as the transfer destination of 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 by the transfer destination information as the transfer destination of user UZ in the memory unit in association with information identifying user UZ.

[0053] 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.

[0054] As described above, when a user has a transfer destination that can receive electronic money, the payment server 100 registers the transfer destination as the user's salary transfer destination in the personnel management system 30. As a result, when a user has a transfer destination that can be used as a salary transfer destination, the payment server 100 uses the transfer destination, thereby enabling the user to transition to digital salary payment without burdening the user, and promoting the use of digital salary payment.

[0055] The above-mentioned process is merely an example, and the payment server 100 may perform various processes to properly pay wages. 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 a refund bank account. Information on the place of employment or employer is assumed to be used for confirming the remittance source (remittance source) in a remittance deposit service for receiving wages. In addition, the employee number is assumed to be used as a key for confirming 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 as not to 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 predetermined information acquired from the user with the unique information described above and registers it as user information.

[0056] (1-3-3. Examples of display and operation on user terminal) From here, examples of displays on the user terminal 10 and operations of 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.

[0057] Hereinafter, an example in which a user UZ makes a salary transfer request will be described with reference to Figure 3. Note that explanations of points similar to those explained in Figures 1 and 2 will be omitted as appropriate.

[0058] Content C1 in Fig. 3 is content that accepts a salary transfer request from a user. Content C1 is content that accepts 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."

[0059] 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, the 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 terminate the display of the salary transfer request and terminate the acceptance of the salary transfer request.

[0060] Content C2 in Fig. 3 is content that accepts the designation (selection) of the user's 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 human resources 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.

[0061] When the 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 accepted 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 the user may search for his / her place of employment by entering the name of the place of employment, etc., in a search box in content C2, and specify his / her place of employment from the search results.

[0062] 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 designation of the money (amount) to be left in service P. For example, content C3 is content that accepts the designation of the amount of the user's salary to be left as electronic money usable in service P, and the designation 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 designation of the amount to be left in service P, a deposit destination designated as a deposit destination for the amount other than the amount to be left in service P, and a list of candidates for deposit destinations that can be designated.

[0063] When the user selects button BT3 marked "Set and proceed" in the state of content C3 in FIG. 3, 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, 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, user terminal 10 acquires the information accepted in content C2, transitions the display to content C4, and continues to display the salary transfer request.

[0064] Content C4 in FIG. 3 is a content for reflecting a change (registration) of the user's salary transfer destination in the personnel management system 30. Content C4 is a 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 the 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. 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 logging in, 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 logging in of the personnel management system 30.

[0065] 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.

[0066] For example, the user terminal 10 transmits information received from contents C1 to C4 to the payment server 100, and the payment server 100 receives the information of 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 personnel management system #1 to change (register) the user's salary transfer destination via an API or the like provided by the personnel management system #1.

[0067] In Fig. 3, user UZ inputs his / her employee number and password at business C into content C4 and presses button BT4, causing user terminal 10 of user UZ to request a change (registration) of user UZ's salary transfer destination. For example, payment server 100 accepts user UZ's login information from user terminal 10 of user UZ, 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.

[0068] 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 of the user has been completed. Content C5 is content that includes information indicating that the change (registration) of the salary transfer destination of the user has been completed, and a button BT5 labeled "Return to home screen." When the user designates button BT5, the user terminal 10 transitions the display to the home screen of the user application.

[0069] Content C5 may include information indicating the salary transfer start date. In this case, the payment server 100 acquires information indicating the scheduled start date of salary transfer from the personnel management system 30 that requested the change (registration) of the salary transfer destination, and provides the acquired information indicating the scheduled date to the user terminal 10. In Fig. 3, the payment server 100 provides the user terminal 10 of user UZ with information indicating the scheduled time when the salary transfer destination of user UZ will be reflected in the personnel management system #1.

[0070] (1-3-4. Other examples (transfer destinations, 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.

[0071] 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 a service related to electronic money (such as a service name, a service identification ID, etc.) and an account name to the personnel management system 30.

[0072] 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, a wallet is used to manage the deposits and withdrawals of digital money, and corresponds to a digital money account identified by the account ID in FIG. 7.

[0073] For example, the payment server 100 may reflect an account in an electronic payment service (electronic money service) such as service P as a transfer destination of a user registered in the personnel management system 30. In this case, the information processing system 1 may execute, as a salary payment process, a process of transferring electronic money corresponding to a salary from a wallet corresponding to an employer's account (corporate account) to a wallet corresponding to a user's account.

[0074] (1-4. Transfer deposit processing) The following describes an overview of the salary payment (transfer) process using the salary payment service. The following describes an overview of the process in the information processing system 1 when user UZ uses the salary transfer service.

[0075] Business operator C, who is 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 operator 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 operator C transfers salary: "250,000 yen" to dedicated account number: "111111", whose account holder is "Shohyojin".

[0076] The settlement server 100 executes a detection process to detect a transfer to a dedicated account (virtual account) assigned to each user individually from among multiple virtual accounts linked to the same bank account. For example, the settlement server 100 checks the balance of a bank account to which multiple dedicated accounts (virtual accounts) are linked at a predetermined timing. Then, when the balance of the corresponding bank account has increased, the settlement server 100 individually identifies the dedicated account number indicating the dedicated account (virtual account) designated as the remittance destination.

[0077] Furthermore, when the payment server 100 detects a deposit to a dedicated account number for a transfer, it executes a process to confirm the details of the transfer. Then, the payment server 100 executes a process according to the confirmation result of the details of the transfer. For example, the payment server 100 obtains the balance of a dedicated account (virtual account) linked to a target user (such as user UZ) who is the destination of the transfer. Then, the payment server 100 determines whether the balance of the dedicated account (virtual account) after reflecting the amount of the transfer exceeds a predetermined amount.

[0078] 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 linked to the target user in advance.

[0079] In addition, when the detected transfer is a salary deposit, the payment server 100 may transmit a confirmation request to the target user to confirm the transfer details. For example, when the transfer source of the transfer is different from the workplace or employer preset by the target user, the payment server 100 may transmit a confirmation notification to the user terminal 10 as to whether or not the transfer is for salary. In this case, when the payment server 100 receives confirmation from the target user, it executes a process such as charging the money balance. In addition, the payment server 100 may trace the transfer history of the target user, and when the transfer for salary is made at irregular times, it may transmit a confirmation notification to the user terminal 10 to ask the target user whether or not the transfer for salary is correct. In addition, the payment server 100 may trace the transfer history of the target user, and when the transfer for salary is continuously detected at a certain time, the payment server 100 may transmit a confirmation notification to the user terminal 10 to ask the target user whether or not the transfer is for salary. This can prevent the transfer deposit service from being used for the wrong purpose.

[0080] Furthermore, the payment server 100 may obtain information indicating the money balance managed as a breakdown of salary for each service user at a predetermined timing, 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, since it can grasp the amount that needs to be guaranteed.

[0081] In addition, the payment server 100 may accept the selection of the amount to be received in electronic money from the amount of the transfer deposit when applying to use the transfer deposit service for receiving a salary. In this case, the payment server 100 can process the difference obtained by subtracting the amount to be received in electronic money from the amount of the deposit to be transferred in cash to the bank account of the target user.

[0082] In addition, the operator of the payment server 100 may make an arrangement in advance with an affiliated bank to refuse to accept a transfer deposit if the amount of a single deposit (1 shot) exceeds a predetermined amount. For example, the payment server 100 transmits information indicating a predetermined amount for which the deposit to the virtual account is refused to be accepted to the bank server 20 at a predetermined timing. The predetermined amount may be set for each purpose of use (transfer deposit service).

[0083] The payment server 100 may also obtain information about a transfer deposit for which the bank server 20 has performed a process of refusing to accept the deposit into a virtual account from the bank server 20. For example, in a transfer deposit service for receiving a salary, if the amount of a one-time deposit (1 shot) exceeds a predetermined amount, the payment server 100 determines that there is a high probability that the next deposit will also exceed the predetermined amount. In this case, the payment server 100 transmits a confirmation notification to the target user linked to the virtual account that is the remittance destination of the transfer deposit, asking whether or not to continue using the transfer deposit service for receiving a salary next time. This makes it possible to prevent the affiliated bank from refusing to accept the deposit next time as well.

[0084] (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 operator C, the user terminal 10 used by user UZ displays information indicating the salary payment, such as "Salary payment has been received from business operator 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.

[0085] 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 an employer to manage the user's salary transfer destination. 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 a salary to the user from the employer's account (corporate account) in the electronic money service.

[0086] Furthermore, the information processing system 1 may register any wallet of the user as a transfer destination, or may register any wallet designated by the user. In this case, the information processing system 1 may register a wallet with a limited payment purpose as a transfer destination. Furthermore, when registering multiple wallets as transfer destinations, the information processing system 1 may accept a designation of the percentage of the amount deposited into each wallet.

[0087] 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 in 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 in which the electronic money service can register a salary account. 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 a management system linked to the company. The information processing system 1 accepts the login information and transmits a request for salary account registration, including the login information and the salary account, to an API prepared by the management system, accepts whether or not the account has been registered from the management system, and if it has been registered, displays that fact on the user terminal 10 of the user.

[0088] Furthermore, the information processing system 1 may notify the user that "if the user changes jobs, it is possible to link to the new company" if there is no deposit to the salary account for a certain period of time after the user has registered the salary account through service cooperation with the management system. The information processing system 1 may also notify the user of the start date of salary transfer. The information processing system 1 may also present information for confirming when the salary will be transferred on the procedure completion screen. If the reflection time differs depending on the management system (company), the information processing system 1 may store the corresponding deadline for each system and calculate the next transfer date based on the calculated deadline to notify the user. The information processing system 1 may also obtain information on when the salary will be reflected from the API of the management system and notify the user.

[0089] Furthermore, the information processing system 1 may display a screen prepared for each employer of a company or the like. For example, the information processing system 1 may display a contact point for login information, or a URL (Uniform Resource Locator) where the login information can be confirmed. Such information is for use in the information processing system 1 when the user is unable to log in to the personnel management system 30 or when the user has forgotten his / her login ID. For example, the user can confirm his / her own login information required to log in to the personnel management system 30 by using the contact point for login information or the URL where the login information can be confirmed.

[0090] Furthermore, if the management system supports electronic money payment of salary, the information processing system 1 may register an account for an electronic money service as the transfer destination. In this case, the information processing system 1 stores whether or not the management system supports salary accounts (bank accounts) and electronic money for each management system to be linked, and in the case of a management system that supports both, it registers an account for the electronic money service as the transfer destination instead of the salary account. Alternatively, the information processing system 1 may accept a selection by the user as to whether to link a salary account or an account for the electronic money service.

[0091] [2. Payment Server Configuration] 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.

[0092] (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 to and from the user terminal 10, the bank server 20, etc.

[0093] (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 or an optical disk. 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 an association information storage unit 124.

[0094] (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.

[0095] 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 a 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).

[0096] For example, FIG. 4 shows that among the virtual account numbers, "111111," "111112," and "111113" are in use, while "999999" is unused.

[0097] (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" field, a "virtual account (account number)" field, a "user name" field, an "employer / place of work", an "employee number" field, an "in-company name", an "amount to be received (yen)", and an "refund bank account" field. These items in the user information are mutually associated.

[0098] 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.

[0099] 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 on the place of work and the employer is expected to be used to confirm the source of the remittance in the remittance service for receiving wages.

[0100] The "Employee Number" field stores information indicating the employee number given to the service user by the company of the user. 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.

[0101] The "company name" field stores information indicating the name of the service user at the company. The company name is expected to be used to confirm the account holder specified as the remittance destination, etc.

[0102] The "Amount to be received (yen)" field stores information indicating the amount of salary that the service user is expected to receive from his / her workplace or employer. The amount to be received is assumed to be used to adjust the amount so that it does not exceed a predetermined amount.

[0103] The "bank account for refund" field stores information indicating a bank account owned by the service user. If the amount of a single deposit made through 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 "bank account for refund" 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 employment / employer", "employee number", "name within the company", "amount to be received (yen)", and "bank account for refund" fields is stored when a service user applies to use the transfer deposit service to receive salary.

[0104] 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 ******."

[0105] FIG. 6 also shows that the account number of the virtual account for salary transfer 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 business operator 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."

[0106] FIG. 6 also shows that the account number of the virtual account for salary transfer assigned to the service user (e.g., user UZ) identified by user ID: "U003" is "111111", and the name is "Shohyojin". It also shows 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 also shows 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".

[0107] (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.

[0108] 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.

[0109] The "Balance" item stores information indicating the money balance (total balance) of electronic money recorded in an electronic money account (payment account). The "Breakdown" item stores information indicating 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 a wallet corresponding to "Salary" and a wallet corresponding to "Non-Salary". The "Salary" item stores information indicating the balance of digital money transferred as salary through a transfer deposit service for receiving salary. The "Non-Salary" item stores information indicating the balance of digital money transferred as non-salary through a transfer deposit service.

[0110] According to Figure 7, the owner of the electronic money account identified by "Account ID": "Account 001" is a service user identified by Owner ID: "U001", and the money balance is "100,000", all of which is non-salary.

[0111] (Regarding the link 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".

[0112] The "Supported salary payer" field stores information indicating a salary payer that can be linked to services related to salary payment. For example, the "Supported salary payer" field stores information indicating employment of a business that has introduced a personnel management system that can be linked to services related to salary payment.

[0113] The "Installed System" field stores information indicating a personnel management system installed by the payer of the corresponding salary. For example, the "Installed System" field stores information indicating a personnel management system installed by an employer such as a business operator.

[0114] FIG. 8 shows that business entity A, which is a "corresponding payroll payer," has implemented personnel management system #1 that enables integration of services related to payroll.

[0115] (Regarding the control unit 130) The control unit 130 is a controller, and is realized, for example, by a CPU (Central Processing Unit) or 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.

[0116] (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.

[0117] The reception unit 131 acquires various information necessary for processing. The reception unit 131 acquires various information from the storage unit 120. The reception unit 131 receives various information from 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.

[0118] The reception unit 131 receives a salary transfer request from a user. The reception unit 131 receives a salary transfer request from the user via an application used by the user when using electronic money. The reception unit 131 receives information on 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 a password used by the user to log in to the personnel management system 30 from a user terminal 10 used by the user.

[0119] The reception unit 131 receives a transfer to a dedicated account (virtual account) individually assigned to each service user from among multiple virtual accounts linked to the same bank account owned by a business (a business providing a transfer service) at an affiliated bank (an example of a "financial institution"). When a transfer is detected, the reception unit 131 passes to the transfer destination determination unit 132 or the reflection unit 133 information such as the account number indicating the dedicated account (virtual account) where the transfer was received, the account holder of the transfer destination (remittance destination), and the amount of the transfer.

[0120] If the amount of a single transfer exceeds a predetermined amount, the reception unit 131 requests the affiliated bank to reject the transfer. If the balance of the virtual account after reflecting the amount of the deposit exceeds a predetermined amount, the reception unit 131 transfers cash in an amount equivalent to the amount by which the balance exceeds the predetermined amount to a bank account previously linked to the service user as the remittance destination. 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.

[0121] (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 account for the payment service.

[0122] (Regarding the reflection part 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 human resources 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 human resources management system 30, and has the human resources 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.

[0123] 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.

[0124] The reflection unit 133 reflects the bank account available for receiving electronic money as the transfer destination of the user registered in the human resources management system 30. When there is no bank account available for the user to transfer salary to, the reflection unit 133 associates a virtual account, which is a bank account available for transferring salary, with information related to the user, and reflects the virtual account as the transfer destination of the user registered in the human resources management system 30 as the transfer destination of the salary.

[0125] The reflection unit 133 reflects the account in the electronic money service as the transfer destination of the user registered in the personnel management system 30. When the personnel management system 30 is capable of paying salary in electronic money, the reflection unit 133 reflects the user's account as the transfer destination of the salary of the user registered in the personnel management system 30.

[0126] The reflecting unit 133 executes a process according to the determination result by the transfer destination determining unit 132. The reflecting unit 133 executes a process of reflecting a transfer destination according to the determination result by the transfer destination determining unit 132. The reflecting unit 133 identifies the personnel management system 30 corresponding to the employer based on the employer's information. The reflecting unit 133 reflects the salary transfer destination as the transfer destination of the user registered in the personnel management system 30 identified based on the employer's information. The reflecting 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 the reception unit 131 detects a transfer, the reflecting unit 133 reflects the amount of the transfer 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).

[0127] (Regarding the Management Department 134) The management unit 134 manages information related to services provided by the information processing system 1. The management unit 134 manages information related to users. The management unit 134 manages information related to users who use electronic money services. The management unit 134 manages various information such as the user's bank account by associating it with the user's account (e.g., account ID, etc.) in the electronic money service.

[0128] 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 a plurality of unused virtual accounts that have been loaned in advance from an affiliated bank as a 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).

[0129] The management unit 134 may allocate 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 allocate a dedicated account (virtual account) for which a usable period is set in advance. 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).

[0130] (About the provider 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.

[0131] The providing unit 135 provides information related to salary transfers. If there is no deposit to the salary transfer destination for 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.

[0132] 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 impossibility of linking with the personnel management system 30. When there are multiple transfer destinations available as salary transfer destinations, 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.

[0133] [3. Example of processing procedure] Hereinafter, a description will be given of an example of a processing procedure in the payment server 100 according to the embodiment. Fig. 9 is a flowchart showing an example of an information processing procedure executed by the payment server according to the embodiment.

[0134] As shown in FIG. 9, when the payment server 100 has not received a salary transfer request from the user (step S101; No), the payment server 100 waits until a salary transfer request is received from the user.

[0135] 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 terminates the processing procedure shown in Figure 9.

[0136] 4. Modifications (4-1. Recycling of Virtual Accounts) In the above embodiment, the settlement server 100 may cancel the allocation of the 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 make them unused. In addition, the settlement server 100 may cancel the allocation only to the dedicated accounts for the transfer deposit service other than salary among the dedicated accounts (virtual accounts) that are in use.

[0137] (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.

[0138] Furthermore, 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.

[0139] In addition, 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 by a known method. In addition, the information including the processing procedures, specific names, various data and parameters shown in the above documents and drawings can be changed arbitrarily unless otherwise specified. For example, the various information shown in each drawing is not limited to the illustrated information.

[0140] 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 according to various loads, usage conditions, etc.

[0141] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0142] 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 the salary transfer destination, which is a transfer destination where the salary can be received as electronic money, based on the salary transfer request received from the user, as the transfer destination of the user registered in a management system (hereinafter referred to as "personnel management system 30" in the embodiment) used by the employer who employs the user to manage the transfer destinations of the user's salary.

[0143] As a result, the payment server 100 according to the embodiment can provide a scheme for receiving a salary in electronic money without imposing a burden on the payee, i.e., the user, and can promote the use of digital payment of salary. In addition, the scheme provided to the service user by the payment server 100 according to the embodiment enables various deposits such as salary to be easily received in electronic money, which is expected to further enhance the advantages of electronic money.

[0144] In the payment server 100 according to the embodiment, the reception unit 131 receives a salary transfer request from a user via an application used by the user when using electronic money.

[0145] As a result, the payment server 100 of the embodiment can accept salary transfer requests using an application in which the user uses electronic money, thereby reducing the burden on users required to transition to digital salary payments and promoting the use of digital salary payments.

[0146] 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.

[0147] As a result, the payment server 100 of the embodiment can transmit transfer destination information indicating the user's salary transfer destination to a management system such as the human resources 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.

[0148] Furthermore, the payment server 100 according to the embodiment 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. When there is no transfer destination of the user that can be used as a salary transfer destination, the reflection unit 133 associates the transfer destination that can be used as a salary transfer destination with information related to the user, and reflects the transfer destination as a salary transfer destination of the user registered in the management system.

[0149] As a result, the payment server 100 of 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, it has the user issue (loan) 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 on the user, and the use of digital salary payment can be promoted.

[0150] 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.

[0151] As a result, if a user has a transfer destination that can be used as a salary transfer destination, the payment server 100 of the embodiment can use that transfer destination, thereby enabling the user to transition to digital salary payment without any burden on the user, thereby promoting the use of digital salary payment.

[0152] 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 account for the payment service.

[0153] As a result, the payment server 100 according to the embodiment can appropriately determine which transfer destinations can be used for salary transfers by determining whether or not there is a transfer destination linked to the user's payment service account, thereby promoting the use of digital salary payments.

[0154] In addition, in the payment server 100 according to the embodiment, the reflection unit 133 reflects a bank account that can receive electronic money as a transfer destination of the user registered in the management system.

[0155] As a result, the payment server 100 according to the embodiment can provide a scheme for receiving salary in electronic money without imposing a burden on the payee, i.e., the user, and can promote the use of digital salary payment.

[0156] In addition, in the payment server 100 according to the embodiment, when there is no bank account available for a user to use as a salary transfer destination, the reflection unit 133 associates a virtual account, which is a bank account available for use as a salary transfer destination, with information related to the user, and reflects the virtual account as the salary transfer destination of the user registered in the management system.

[0157] As a result, when a user does not have a bank account available for use as a salary transfer destination, the payment server 100 of the embodiment can associate a virtual account available for use as a salary transfer destination with information related to the user and use the virtual account as the 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 on the user, thereby promoting the use of digital salary payment.

[0158] Moreover, in the payment server 100 according to the embodiment, the reflection unit 133 reflects an account in an electronic money service as a transfer destination of a user registered in the management system.

[0159] As a result, the payment server 100 according to the embodiment can provide a scheme for receiving salary in electronic money without imposing a burden on the payee, i.e., the user, and can promote the use of digital salary payment.

[0160] In addition, in the payment server 100 according to the embodiment, if the management system is capable of paying salary in electronic money, the reflection unit 133 reflects the user's account as the salary transfer destination and as the transfer destination of the user registered in the management system.

[0161] As a result, when the management system is capable of paying wages in electronic money, the payment server 100 of the embodiment can use the user's account as the salary transfer destination, thereby enabling the transition to digital salary payment without any burden on the user, and promoting the use of digital salary payment.

[0162] In the payment server 100 according to the embodiment, the reception unit 131 receives information on the employer who employs the user. The reflection unit 133 identifies a management system corresponding to the employer based on the information on the employer.

[0163] As a result, the payment server 100 of 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. Therefore, it can provide a scheme for receiving salary in electronic money without imposing a burden on the payee, i.e., the user, and promote the use of digital salary payment.

[0164] The reception unit 131 receives information for the user to log in to the management system from the user. The reflection unit 133 reflects the salary transfer destination as the transfer destination of the user registered in the management system, using the information for the user to log in to the management system.

[0165] As a result, the payment server 100 according to the embodiment uses 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, thereby providing a scheme for receiving salary in electronic money without imposing a burden on the salary payee, i.e., the user, and promoting the use of digital salary payments.

[0166] Moreover, the payment server 100 according to the embodiment includes a providing unit 135. The providing unit 135 provides information related to the transfer of salary.

[0167] 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.

[0168] 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.

[0169] 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.

[0170] 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.

[0171] 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.

[0172] In addition, in the payment server 100 according to the embodiment, when the salary transfer destination cannot be reflected in the management system, the providing unit 135 provides the user with information regarding the impossibility of linking with the management system.

[0173] 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.

[0174] 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 for allowing the user to select the transfer destination to be used as the salary transfer destination.

[0175] 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.

[0176] Moreover, in the payment server 100 according to the embodiment, the providing unit 135 transmits information related to the transfer of a salary to a terminal device used by a user (hereinafter, the same is called "user terminal 10" in the embodiment).

[0177] 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.

[0178] [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.

[0179] 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.

[0180] The CPU 1100 operates and controls each unit based on a program stored in the ROM 1300 or the HDD 1400. The ROM 1300 stores a boot program executed by the CPU 1100 when the computer 1000 is started up, programs that depend on the hardware of the computer 1000, and the like.

[0181] The HDD 1400 stores programs executed by the CPU 1100, data used by such programs, etc. The communication interface 1500 receives data from other devices via a communication network 500 (corresponding to the network N in the embodiment) and sends the data to the CPU 1100, and also transmits data generated by the CPU 1100 to other devices via the communication network 500.

[0182] 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.

[0183] 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.

[0184] For example, when the computer 1000 functions as the payment server 100, the CPU 1100 of the computer 1000 executes a program loaded on the RAM 1200 to realize the function 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 on 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 predetermined communication network.

[0185] [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 aspects described in the Disclosure of the Invention section.

[0186] Further, the above-mentioned payment server 100 can be flexibly changed in configuration, for example, by calling an external platform or the like using an API (Application Programming Interface) or network computing, depending on the function.

[0187] Furthermore, the term "unit" in the claims may be read as "means" or "circuit," etc. For example, a control unit may be read as control means or a control circuit. [Explanation of symbols]

[0188] 1. Information Processing Systems 10 User terminal 20 Bank Server 30 Human Resources Management System 100 Payment Server 110 Communications Department 120 Storage section 121 Virtual Account Information Storage Unit 122 User information storage unit 123 Account information storage unit 124 Linkage information storage unit 130 Control section 131 Reception 132 Transfer destination determination section 133 Reflection section 134 Management Department 135 Provision Department

Claims

1. a reception unit that receives a request from a user to set up receiving salary by electronic money; a reflection unit that transmits transfer destination information indicating a transfer destination for a salary that can be received as electronic money to a management system used by an employer of the user to manage the transfer destinations of the user's salary, based on a request from the user to set up receiving a salary using the electronic money, thereby requesting the management system to register the transfer destination indicated in the transfer destination information as a transfer destination to be registered, and having the management system register the transfer destination as the transfer destination of the user, thereby reflecting the transfer destination as the transfer destination of the user registered in the management system; An information processing device comprising:

2. The reception unit A request for setting up receipt of salary by electronic money is received from the user via an application used by the user when using the electronic money.

2. The information processing apparatus according to claim 1, wherein:

3. 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; and The reflection unit If there is no transfer destination of the user that can be used as the salary transfer destination, the transfer destination that can be used as the salary transfer destination is associated with information related to the user, and the transfer destination is reflected as the salary transfer destination of the user registered in the management system.

2. The information processing apparatus according to claim 1, wherein:

4. The reflection unit If the user has a bank account that can be used as the payroll bank account, the payroll bank account is reflected as the payroll bank account of the user registered in the management system.

4. The information processing apparatus according to claim 3,

5. The transfer destination determination unit Determine whether there is a transfer destination linked to the user's payment service account 4. The information processing apparatus according to claim 3,

6. The reflection unit The bank account that can receive the electronic money is reflected as a transfer destination of the user registered in the management system.

2. The information processing apparatus according to claim 1, wherein:

7. The reflection unit If there is no bank account of the user that can be used as the salary transfer destination, a virtual account that is a bank account that can be used as the salary transfer destination is associated with information related to the user, and the virtual account is reflected as the salary transfer destination of the user registered in the management system.

7. The information processing apparatus according to claim 6,

8. The reflection unit The account in the electronic money service is reflected as a transfer destination of the user registered in the management system.

2. The information processing apparatus according to claim 1, wherein:

9. The reflection unit If the management system is capable of paying the salary with the electronic money, the account of the user is reflected as the salary transfer destination in the transfer destination of the user registered in the management system.

9. The information processing apparatus according to claim 8,

10. The reception unit Accepting information about the employer who employs the user; The reflection unit Identifying the management system corresponding to the employer based on the employer information 2. The information processing apparatus according to claim 1, wherein:

11. The reception unit receiving information from the user for the user to log in to the management system; The reflection unit Using information for the user to log in to the management system, the salary transfer destination is reflected as the transfer destination of the user registered in the management system.

2. The information processing apparatus according to claim 1, wherein:

12. a provision unit for providing information related to the salary transfer; 2. The information processing apparatus according to claim 1, further comprising:

13. The providing unit If there is no payment to the payroll transfer destination within a certain period of time after the payroll transfer destination is reflected in the management system, the user is notified that the payroll transfer destination is no longer in use.

13. The information processing apparatus according to claim 12.

14. The providing unit Provide the user with information indicating the expected time when the salary transfer destination will be reflected in the management system.

13. The information processing apparatus according to claim 12.

15. The providing unit If there are multiple payees available for the payroll, provide the user with information to select the payee to be used as the payroll.

13. The information processing apparatus according to claim 12.

16. 1. A computer-implemented information processing method, comprising: a receiving step of receiving a request from a user to set up receiving salary by electronic money; a reflection process in which, based on a request received from the user to set up salary receipt using the electronic money, transfer destination information indicating a salary transfer destination that can receive the electronic money is sent to a management system used by the employer of the user to manage the transfer destinations of the user's salary, thereby requesting the management system to register the salary transfer destination indicated by the transfer destination information as a registered transfer destination, and having the management system 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 registered in the management system; An information processing method comprising:

17. A procedure for accepting a request from a user to set up electronic money salary receipt; a reflection procedure in which, based on a request received from the user to set up salary receipt using the electronic money, transfer destination information indicating a salary transfer destination that can receive the electronic money is sent to a management system used by the employer of the user to manage the transfer destinations of the user's salary, thereby requesting the management system to register the salary transfer destination indicated by the transfer destination information as a registered transfer destination, and having the management system 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 registered in the management system; An information processing program that causes a computer to execute the above. A display method characterized by:

Images