Information processing device, information processing method, and information processing program

Abstract

To provide an information processing device for efficiently operating a mechanism for protecting users using digital salary payment while responding to a request on an administration side in a service relating to the digital salary payment.SOLUTION: An information processing devices includes a customer information storage part, a balance information storage part, a management part, a generation part, and a payment request part. The management part acquires customer information and balance information periodically provided from a fund transfer agent being a consigner of business relating to the guarantee of salary money balance and manages the customer information stored in the customer information storage part and the balance information stored in the balance information storage part in the latest state. The generation part generates detail information including information representing a transfer destination of deposits and an amount of the deposits corresponding to the salary money balance for every customer, based on the customer information and the balance information. The payment request part transmits a deposit payment request including the detail information generated by the generation part to a bank being a consignee of the deposit payment agent for the customer.SELECTED DRAWING: Figure 2

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] Recently, the government has begun to consider introducing a so-called "digital salary payment" system, which would allow money transfer businesses to pay salaries using digital money such as electronic money and virtual currency. In connection with this, technologies related to the digital payment of salaries have also been proposed. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2022-151873 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, with the above-mentioned conventional technologies, there is room for improvement in terms of efficiently operating the mechanisms for protecting users who use digital salary payments while responding to requests from the government in services related to digital salary payments.

[0005] 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 efficiently operate a mechanism for protecting users who use digital salary payments while responding to requests from the government in services related to digital salary payments. [Means for solving the problem]

[0006] The information processing device according to the present application has a customer information storage unit, a balance information storage unit, a management unit, a generation unit, and a payment request unit. The customer information storage unit stores customer information related to a customer. The balance information storage unit stores balance information related to a salary money balance, which is the latest balance of electronic money corresponding to the customer's salary. The management unit acquires customer information and balance information periodically provided by a funds transfer service provider that is a contractor of a business related to guaranteeing the salary money balance, and manages the customer information stored in the customer information storage unit and the balance information stored in the balance information storage unit in an up-to-date state. The generation unit generates statement information including information indicating a transfer destination of a security deposit corresponding to the salary money balance for each customer and an amount of the security deposit, based on the customer information and balance information. The payment request unit transmits a security deposit payment request including the statement information generated by the generation unit to a bank that is a contractor of a business related to payment of the security deposit to the customer. Effect of the Invention

[0007] According to one aspect of the embodiment, in a service related to digital salary payment, it is possible to efficiently operate a mechanism for protecting users who use digital salary payment while responding to requests from the government. [Brief description of the drawings]

[0008] [Figure 1] FIG. 1 is a diagram showing an overview of information processing according to an embodiment. [Diagram 2] FIG. 2 is a diagram illustrating an example of the configuration of a guarantee company server device according to the embodiment. [Diagram 3] FIG. 3 is a diagram illustrating an example of customer information stored in a customer information storage unit according to the embodiment. [Figure 4] FIG. 4 is a diagram illustrating an example of balance information stored in a balance information storage unit according to the embodiment. [Diagram 5] FIG. 5 is a flowchart illustrating an example of a procedure for a deposit payment request process executed by the guarantee company server device according to the embodiment. [Figure 6]FIG. 6 is a flowchart illustrating an example of a procedure of a guarantee completion notification process executed by the guarantee company server device according to the embodiment. [Figure 7] FIG. 7 is a hardware configuration diagram showing an example of a computer that realizes the functions of the guarantee company server device according to the embodiment or the modification. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] 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 descriptions are omitted.

[0010] 1. Embodiment The information processing performed 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 the information processing performed by the embodiment. In Fig. 1, the information processing performed by the embodiment is performed by a guarantee company server device 100, which is an example of the information processing device according to the embodiment.

[0011] (1-1. System Configuration) First, a configuration example of an information processing system SYS according to an embodiment will be described with reference to Fig. 1. The information processing system SYS according to the embodiment includes a first server device 10 operated and managed by a funds transfer service provider, a second server device 20 operated and managed by a bank, a third server device 30 operated and managed by a public institution, and a guarantee company server device 100 operated and managed by a guarantee company.

[0012] The first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 shown in Fig. 1 are connected to, for example, a network N (see, for example, Fig. 2). The first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 can communicate with other devices through the network N.

[0013] The first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 shown in Fig. 1 may be realized by a mainframe, a workstation, etc. Furthermore, when the first server device 10, the second server device 20, the third server device 30, and the guarantee company server device 100 shown in Fig. 1 are realized by a server device, they may be realized by a single server device, or may be realized by a cloud system in which a plurality of server devices and a plurality of storage devices operate in cooperation with each other.

[0014] (1-2. Prerequisite contractual relationships, etc.) This section explains the contractual relationships and other conditions that are the premise for realizing information processing by the information processing system SYS shown in Figure 1. The money transfer business operator shown in Figure 1 operates a business that provides users with electronic payment services related to electronic payments. As part of its electronic payment services, the money transfer business operator also provides users with a service that enables them to receive their salary in electronic money (hereinafter referred to as the "salary receipt service").

[0015] Furthermore, in order for a money transfer business operator to operate a business for providing a salary receipt service, the operator is required to establish a mechanism (hereinafter referred to as a "guarantee scheme") for guaranteeing the balance of electronic money (hereinafter referred to as the "salary money balance") corresponding to the salary of customers who are users of the salary receipt service in the event that the operator goes bankrupt (i.e., goes out of business). The guarantee scheme that the money transfer business operator is required to establish must be realized through a third-party institution other than the operator. In response to these requests, the money transfer business operator selects a guarantee company to which it will entrust the guarantee work for guaranteeing the salary money balance, and concludes a guarantee entrustment contract with the selected guarantee company. In addition, since the money transfer business operator is required to have a guarantee contract concluded between the selected guarantee company and the user of the salary receipt service, the money transfer business operator acts as an agent for the conclusion of the guarantee contract between the guarantee company and the user, for example, by having the user agree to the terms of use of the salary receipt service. With the above, the contract for implementing the guarantee scheme is completed.

[0016] In addition, the money transfer service provider prepares in advance funds to guarantee the salary money balance that it manages in preparation for bankruptcy. The money transfer service provider may prepare funds to guarantee the salary money balance as trust assets, for example, by using an escrow trust, which is a trust with transaction security services. In this case, the money transfer service provider designates a guarantee company as the beneficiary of the trust assets prepared in advance to guarantee the salary money balance in the guarantee consignment contract.

[0017] In addition, when entering into a guarantee agreement, the money transfer business operator will enter into a performance bond preservation agreement with the guarantor company under which the guarantor company will guarantee an amount equivalent to the deposit that the money transfer business operator will be required to deposit with a public institution (for example, the Legal Affairs Bureau or the Finance Bureau) in the event of the money transfer business operator's bankruptcy. By entering into a performance bond preservation agreement with the guarantor company, the money transfer business operator is able to withhold the deposit to the public institution for the duration of the agreement.

[0018] The guarantee company also selects a bank to which it will entrust the payment operations of paying the deposit to customers who are users of the salary receiving service, and concludes a service outsourcing agreement with the selected bank for the payment operations of the deposit.

[0019] (1-3. Overview of information processing to realize the guarantee scheme) An overview of information processing for realizing a guarantee scheme according to an embodiment will be described below with reference to FIG. 1. In the following description, the funds transfer service provider and the first server device 10 may be regarded as the same. That is, in the following description, the funds transfer service provider may also be read as the first server device 10. In the following description, the bank and the second server device 20 may be regarded as the same. That is, the bank may also be read as the second server 20. In the following description, the public institution and the third server device 30 may be regarded as the same. That is, in the following description, the public institution may also be read as the third server device 30. In the following description, the guarantee company and the guarantee company server device 100 may be regarded as the same. That is, in the following description, the guarantee company may also be read as the guarantee company server device 100.

[0020] The guarantor company server device 100 acquires contract information relating to the guarantee contract concluded with the money transfer service provider. The contract information acquired by the guarantor company server device 100 prescribes the right (beneficiary right) to become a beneficiary of the trust property of the escrow trust prepared in advance by the money transfer service provider in the event of the bankruptcy of the money transfer service provider.

[0021] The funds transfer business operator periodically provides the guarantee company server 100 with customer information on customers who use the salary receiving service (for example, workers who receive salary from an employer in exchange for their labor, such as company employees) and balance information on the latest salary money balance corresponding to the customer's salary. For example, the first server 10 periodically (for example, daily) uploads the customer information and balance information to a file server (not shown) for data linkage that the guarantee company server device 100 can access. The guarantee company acquires the customer information and balance information periodically provided by the funds transfer business operator and manages the customer information and balance information in the latest state. For example, the guarantee company server 100 accesses the file server (not shown) at a predetermined timing and acquires the customer information and balance information stored in the file server. The guarantee company server 100 then updates the customer information and balance information stored up to that point to the latest state using the acquired customer information and balance information.

[0022] Furthermore, when the fund transfer business operator goes bankrupt, the fund transfer business operator may send a bankruptcy notice to the guarantor company and the customer who is the user of the salary receipt service (for example, a worker who receives a salary from an employer in exchange for labor, such as an employee of a company). For example, the first server 10 may transmit bankruptcy notice information to the guarantor company server device 100 and the terminal device used by the customer who is the user of the salary receipt service, to notify that the fund transfer business operator has gone bankrupt. The bankruptcy notice information may also include information (for example, a file ID) that can identify the file in which the latest balance information provided by the fund transfer business operator to the guarantor company is stored.

[0023] In accordance with the performance bond preservation agreement concluded with the funds transfer service provider, the guarantor submits a copy of the performance bond preservation agreement to the public institution (step S11).

[0024] Furthermore, if the guarantor receives an order to make a deposit from a public institution following the bankruptcy of a funds transfer service provider, the guarantor raises funds from a designated bank through back financing or the like (step S12) and performs the deposit (step S13). The public institution manages the money deposited by the guarantor.

[0025] In addition, the guarantee company exercises its beneficiary rights based on the contract information regarding the guarantee contract to withdraw the trust assets (step S21), and uses the withdrawn trust assets as the source of the guarantee money for the customer (e.g., worker) who is the subject of the guarantee.

[0026] The guarantee company server 100 also generates statement information including information indicating the deposit transfer destination and deposit amount corresponding to the salary money balance for each customer based on the customer information and balance information (step S22). That is, the guarantee company server device 100 specifies the amount of the deposit equivalent to the latest salary money balance of each customer based on the balance information provided by the funds transfer service provider. The guarantee company server device 100 also acquires, as the deposit transfer destination, information on the bank account preset by each customer as a receiving account for receiving the deposit based on the customer information provided by the funds transfer service provider. The guarantee company server device 100 then generates statement information including the deposit amount for each customer, the deposit transfer destination for each customer, and the payment due date, and transmits a payment request including the generated statement information to the second server 20 (step S23). The payment due date is set to a predetermined period (for example, within six business days) from the bankruptcy of the funds transfer service provider. The specified period may be set in advance in the system of the guarantee company server 100, or may be input from an administrator of the guarantee company server 100 (for example, a person in charge of guarantee business, etc.). Based on the amount of the security deposit for each identified customer, the guarantee company server device 100 transfers funds equivalent to the total amount of the security deposit to a specified bank account designated by the bank to which the payment business is entrusted. When the guarantee company server 100 receives bankruptcy notice information from a funds transfer service provider, it may refer to the corresponding file based on information included in the bankruptcy notice information that can identify the file in which the latest balance information is stored, and generate the above-mentioned detailed information.

[0027] When the bank receives the payment request from the guarantor company, it executes the payment of the security deposit in accordance with the payment request (step S24). For example, the second server device 20 executes a transfer process to transfer the amount of the security deposit to the bank account corresponding to the deposit destination for each customer by the payment due date. When the payment of the security deposit for all customers is completed, the bank notifies the guarantor company of the completion of the payment.

[0028] Furthermore, when the guarantee company receives a notice of completion of the deposit payment from the bank, the guarantee company notifies the funds transfer service provider that the deposit payment has been completed for all customers (step S25). For example, the guarantee company server 100 accesses a file server (not shown) and uploads a data file that stores information about the deposit completion notice for notifying that the deposit payment has been completed. For example, the information about the deposit completion notice stored in this data file may store information about the transaction in which the deposit transfer has been completed normally, such as information for identifying the customer who will receive the deposit (for example, a customer ID, which will be described later), information about the bank account indicating the deposit transfer destination, information about the deposit amount, and information about the transfer date. Furthermore, the information about the deposit completion notice stored in this data file may include not only information about the transaction in which the deposit transfer has been completed normally, but also information indicating that the deposit transfer has been an error due to an error in the account number of the deposit bank account, etc. In this case, the information on the guarantee completion notification may include information summarizing the total amount of the security deposit for which payment has been completed and the total amount of the security deposit that has not been paid (guaranteed) due to a transfer error. The information on the guarantee completion notification may also include information that specifically identifies the transaction information for the transaction for which the security deposit is unpaid, or for both the transaction for which the security deposit transfer has been completed normally and the transaction for which the security deposit is unpaid. In other words, the information on the transaction for which the security deposit is unpaid may include specific information such as information for identifying the customer who will receive the security deposit (for example, a customer ID, which will be described later), information on the bank account indicating the transfer destination of the security deposit, information indicating the amount of the security deposit, and information indicating the transfer date. The information on the guarantee completion notification shared by the guarantee company server 100 with the funds transfer service provider may include only information on the transaction for which the security deposit transfer has been completed normally, according to a prior agreement between the guarantee company server 100 and the funds transfer service provider, or may include both information on the transaction for which the security deposit transfer has been completed normally and information on the transaction for which the security deposit transfer has failed.

[0029] The guarantor company also makes a claim for refund of the deposited money to the public institution at a predetermined timing by legal subrogation based on the guarantee contract (step S31). For example, the guarantor company server device 100 transmits a claim for refund of the deposited money in step S13 to the third server device 30. In this case, the guarantor company server 100 generates a document for refund in which predetermined necessary items are input. Among the items to be filled in the document for refund generated by the guarantor company server 100, information managed by the guarantor company server 100 may be automatically input. The refund claim may also include information indicating the guarantor company, which is the creditor, and information indicating the amount of credit corresponding to the total amount of the guarantee money paid by the guarantor company to the customer. The public institution refunds the deposited money in response to the refund claim from the guarantor company (step S32).

[0030] Furthermore, if the guarantor is an insurance company, the guarantor may execute the guarantee process using a guarantee credit insurance designed to pay a specified guarantee to the customer in the event of the bankruptcy of the fund transfer business operator, with the fund transfer business operator as the insurer and the customer as the insured. In this case, the guarantor may use trust assets as the source of funds for the guarantee credit insurance. Furthermore, when the guarantee is provided by the guarantee credit insurance, the guarantor may execute the guarantee process on the condition that a guarantee claim from each customer is accepted. In this case, when each customer who is a user of the salary receiving service receives a bankruptcy notice from the fund transfer business operator, he / she may make a guarantee claim to the guarantor company with which the guarantee contract has been concluded. For example, the configuration may be such that each customer operates a terminal device that he / she uses to access a specified website of the guarantor company, enters necessary information on the specified website, and then transmits the guarantee claim through the specified website.

[0031] As described above, in the information processing system SYS according to the embodiment, the guarantee company server device 100 can transmit a payment request reflecting the latest salary money balance corresponding to the customer who is the user of the salary receiving service to the bank that is the entrusted party of the deposit payment operation. This enables the guarantee company to realize the guarantee of the salary money balance corresponding to the customer who is the user of the salary receiving service, and can efficiently operate the mechanism for protecting users who use digital salary payment while responding to requests from the government.

[0032] The guarantee company server 100 may also obtain information on the source of the security deposit from the funds transfer service provider. For example, if the source of the security deposit is set aside in a specified bank account, the guarantee company server 100 may obtain balance information on the specified bank account, or if the source of the security deposit is prepared as trust assets such as an escrow trust, the guarantee company server 100 may obtain information on the latest investment amount of the trust assets. Then, based on the balance information and the information on the source of the security deposit, if the total amount of the salary money balance currently subject to the guarantee exceeds the source of the security deposit, the guarantee company server 100 may notify the administrator of the guarantee company server 100 (e.g., a person in charge of the guarantee business) that the source of the security deposit is insufficient.

[0033] 2. Configuration of the Guarantor Company Server Device The configuration of the guarantee company server device 100 according to the embodiment will be described below with reference to Fig. 2. Fig. 2 is a diagram showing an example of the configuration of the guarantee company server device 100 according to the embodiment. As shown in Fig. 2, the guarantee company server device 100 has a communication unit 110, a storage unit 120, and a control unit 130.

[0034] (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 a network N by wire or wirelessly, and transmits and receives information to and from other devices such as the first server device 10, the second server device 20, the third server device 30, etc.

[0035] (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. 2, the storage unit 120 has a customer information storage unit 121 and a balance information storage unit 122. Note that the storage unit 120 is not particularly limited to the case shown in Fig. 2, and may have other storage units, such as a storage unit that stores file information of contract documents for a guarantee entrustment contract concluded with a funds transfer service provider, or file information of contract documents for a performance security deposit protection contract.

[0036] (Regarding the customer information storage unit 121) The customer information storage unit 121 stores customer information on customers who are users of the salary receiving service. FIG. 3 is a diagram showing an example of customer information stored in the customer information storage unit 121 according to the embodiment. As shown in FIG. 3, the customer information stored in the customer information storage unit 121 has a "customer ID" field and a "customer information" field. These fields of the customer information are associated with each other.

[0037] The "Customer ID" field stores a customer ID, which is unique identification information given to each user of the salary receiving service to uniquely identify the user. The customer ID may be a user ID, which is unique identification information given to each user of the electronic payment service to uniquely identify the user.

[0038] The "Customer Information" item stores various information set when a customer who is a user of the salary receiving service registers to use the salary receiving service. The information stored in the "Customer Information" item includes information indicating a bank account set by the customer as a receiving account for receiving a security deposit equivalent to the salary money balance in the event that the funds transfer service provider goes bankrupt.

[0039] The customer information stored in the customer information storage unit 121 is acquired from the first server device 10. The customer information stored in the customer information storage unit 121 is used, for example, in a deposit payment request process executed by the control unit 130, which will be described later.

[0040] (Regarding the balance information storage unit 122) The balance information storage unit 122 stores information regarding the latest salary money balance corresponding to a client who is a user of the salary receiving service. FIG. 4 is a diagram showing an example of balance information stored in the balance information storage unit 122 according to the embodiment. As shown in FIG. 4, the balance information stored in the balance information storage unit 122 has a field for "client ID" and a field for "salary balance." These fields in the balance information are mutually associated.

[0041] The "customer ID" field stores a customer ID, which is unique identification information assigned to each user to uniquely identify the customer who is a user of the salary receiving service. The customer ID may be a user ID, which is unique identification information assigned to each user to uniquely identify the user in the electronic payment service. The customer ID stored in the "customer ID" field is the same information as the customer ID stored in the "customer ID" field of the customer information stored in the above-mentioned customer information storage unit 121.

[0042] The "salary balance" field stores information indicating the salary money balance that a customer, who is a user of the salary receiving service, has received in electronic money by using the salary receiving service.

[0043] The balance information stored in the balance information storage unit 122 is obtained from the first server device 10. The balance information stored in the balance information storage unit 122 is used, for example, in a security deposit payment request process executed by the control unit 130, which will be described later.

[0044] (Regarding the control unit 130) The control unit 130 is a controller, and is realized, for example, by a central processing unit (CPU) or a micro processing unit (MPU) 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 application specific integrated circuit (ASIC) or a field programmable gate array (FPGA).

[0045] 2, the control unit 130 has a management unit 131, a generation unit 132, and a payment request unit 133, and these units realize or execute the functions and actions of information processing described below. Note that the control unit 130 may have new functional units different from the units shown in FIG. 2 introduced in response to the expansion of various processes executed by the guarantee company server device 100.

[0046] (Regarding Management Department 131) The management unit 131 acquires customer information and balance information periodically provided by the funds transfer service provider that is the contractor of the business related to guaranteeing the salary money balance, and manages the customer information stored in the customer information storage unit 121 and the balance information stored in the balance information storage unit 122 in the latest state. For example, the management unit 131 may update the customer information stored in the customer information storage unit 121 and the balance information stored in the balance information storage unit 122 to the latest state by overwriting them with the acquired customer information and balance information.

[0047] Furthermore, the management unit 131 may obtain information on the source of the security deposit from the first server 10, for example, through the communication unit 110. Then, when the total amount of the salary money balance to be guaranteed at the present time exceeds the source of the security deposit based on the balance information and the information on the source of the security deposit, the management unit 131 may send a notification to the information processing terminal used by the manager, for example, through the communication unit 110, that the source of the security deposit is insufficient. Note that the notification that the source of the security deposit is insufficient may include information indicating the amount of the shortfall.

[0048] (Regarding the generation unit 132) The generating unit 132 generates detailed information including information indicating the transfer destination of the deposit corresponding to the salary money balance for each customer and the amount of the deposit based on the customer information and the balance information. The generating unit 132 passes the generated detailed information to the payment requesting unit 133.

[0049] (Regarding the payment request unit 133) The payment request unit 133 transmits a deposit payment request, including the detail information generated by the generation unit 132, via the communication unit 110 to the bank that is outsourced with the payment of the deposit to the customer.

[0050] Furthermore, when the payment request unit 133 receives a notice of completion of the security deposit payment sent from the bank through the communication unit 110, the payment request unit 133 may communicate with the funds transfer service provider that the security deposit payment has been completed. For example, the payment request unit 133 accesses a file server (not shown) used for data communication with the funds transfer service provider, and uploads a data file that stores information about the security deposit completion notice for notifying the completion of the security deposit payment. For example, the information about the security deposit completion notice stored in this data file may store information about the transaction in which the security deposit transfer has been normally completed, such as information for identifying the customer who will receive the security deposit, information about the bank account indicating the transfer destination of the security deposit, information indicating the amount of the security deposit, and information indicating the transfer date. Furthermore, the information about the security deposit completion notice stored in this data file may include not only information about the transaction in which the security deposit transfer has been normally completed, but also information indicating that the security deposit transfer has been an error due to an error in the account number of the transfer destination bank account, etc. In this case, the information on the guarantee completion notification may include information summarizing the total amount of the security deposit for which payment has been completed and the total amount of the security deposit that is in an unpaid state due to a transfer error and payment (guarantee) not being completed. The information on the guarantee completion notification may also include information that specifically identifies the transaction information for the transaction for which the security deposit is in an unpaid state, or for both the transaction for which the security deposit transfer has been completed normally and the transaction for which the security deposit is in an unpaid state. In other words, the information on the transaction for which the security deposit is in an unpaid state may include specific information such as information for identifying the customer who will receive the security deposit (for example, a customer ID, which will be described later), information on a bank account indicating the transfer destination of the security deposit, information indicating the amount of the security deposit, and information indicating the transfer date. The information on the guarantee completion notification shared by the guarantee company server 100 with the funds transfer service provider may include only information on the transaction for which the security deposit transfer has been completed normally, according to a prior agreement between the guarantee company server 100 and the funds transfer service provider, or may include both information on the transaction for which the security deposit transfer has been completed normally and information on the transaction for which the security deposit transfer has failed.

[0051] [3. Example of processing procedure] (3-1. Deposit payment request processing) An example of the information processing procedure executed in the information processing system according to the embodiment will be described below. First, an example of the processing procedure of the deposit payment request processing executed by the guarantee company server device 100 according to the embodiment will be described with reference to FIG. 5. FIG. 5 is a flowchart showing an example of the processing procedure of the deposit payment request processing executed by the guarantee company server device 100 according to the embodiment. The processing procedure shown in FIG. 5 is executed by the control unit 130 of the guarantee company server device 100. The control unit 130 repeatedly executes the processing procedure shown in FIG. 5 while the guarantee company server device 100 is operating.

[0052] 5, the generating unit 132 generates detailed information including information indicating the transfer destination of the deposit corresponding to the salary money balance for each customer and the amount of the deposit based on the customer information and the balance information (step S101). The generating unit 132 passes the generated detailed information to the payment requesting unit 133.

[0053] The payment request unit 133 sends a deposit payment request including the detailed information generated by the generation unit 132 to the bank to which the deposit payment operation for the customer has been entrusted (step S102), and terminates the processing procedure shown in Figure 5.

[0054] (3-2. Warranty Completion Notification Processing) Hereinafter, an example of the processing procedure of the guarantee completion notification processing executed by the guarantee company server device 100 according to the embodiment will be described with reference to Fig. 6. Fig. 6 is a flowchart showing an example of the processing procedure of the guarantee completion notification processing executed by the guarantee company server device 100 according to the embodiment. The processing procedure shown in Fig. 6 is executed by the control unit 130 of the guarantee company server device 100. The control unit 130 repeatedly executes the processing procedure shown in Fig. 6 while the guarantee company server device 100 is operating.

[0055] 6, the payment request unit 133 determines whether or not the payment of the deposit has been completed by the bank to which the deposit payment operation is outsourced (step S201). For example, the payment request unit 133 determines whether or not a payment completion notice of the deposit sent from the bank has been acquired through the communication unit 110.

[0056] In addition, if the payment request unit 133 determines that the payment of the security deposit has been completed by the bank to which the security deposit payment operation has been entrusted (step S201; Yes), it notifies the money transfer service provider that the payment of the security deposit has been completed (step S202), and terminates the processing procedure shown in Figure 6.

[0057] In the above-mentioned step S201, if the payment request unit 133 determines that the payment of the deposit has not been completed by the bank to which the deposit payment operation has been entrusted (step S201; No), it terminates the processing procedure shown in Figure 6.

[0058] 4. Modifications In the above embodiment, an example has been described in which the guarantee company server device 100 included in the information processing system SYS performs a guarantee process for guaranteeing the salary money balance in accordance with a guarantee consignment contract with a money transfer business operator, and a process related to the procedures required for a public institution in association with the guarantee of the salary money balance. However, the configuration of the information processing system SYS according to the embodiment does not need to be particularly limited to such an example, and the server device performing the guarantee process for guaranteeing the salary money balance in accordance with a guarantee consignment contract with a money transfer business operator and the server device performing the process related to the procedures required for a public institution in association with the guarantee of the salary money balance may be physically separate server devices, or each server device may be a server device belonging to a different system. In this case, each server device is connected to each other in a manner that allows communication in a state in which information required for each process can be exchanged in cooperation with each other.

[0059] 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.

[0060] 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.

[0061] Furthermore, the above-described embodiments can be appropriately combined as long as the processing contents are not contradictory.

[0062] 5. Effects As described above, the guarantee company server device 100 according to the embodiment includes a customer information storage unit 121, a balance information storage unit 122, a management unit 131, a generation unit 132, and a payment request unit 133. The customer information storage unit 121 stores customer information related to the customer. The balance information storage unit 122 stores balance information related to the salary money balance, which is the latest balance of electronic money corresponding to the customer's salary. The management unit 131 acquires customer information and balance information periodically provided by the funds transfer service provider that is the outsourcer of the business related to the guarantee of the salary money balance, and manages the customer information stored in the customer information storage unit 121 and the balance information stored in the balance information storage unit 122 in the latest state. The generation unit 132 generates detailed information including information indicating the transfer destination of the security deposit corresponding to the salary money balance for each customer and the amount of the security deposit, based on the customer information and balance information. The payment request unit 133 transmits a deposit payment request, including the detail information generated by the generation unit 132, to the bank that is outsourced with the payment of the deposit to the customer.

[0063] Furthermore, when a notice of completion of the payment of the security deposit sent from the bank is acquired, the payment request unit 133 may notify the money transfer service provider that the payment of the security deposit has been completed.

[0064] In addition, when notifying the funds transfer service provider that the security deposit payment has been completed, the payment request unit 133 may also share information to identify the customer receiving the security deposit, information indicating the transfer destination of the security deposit, information indicating the amount of the security deposit, information indicating the date of the security deposit transfer, and information indicating whether the security deposit transfer was successful.

[0065] In addition, the management unit 132 may obtain information regarding the source of the security deposit, and if the balance information exceeds the source of the security deposit based on the balance information and the information regarding the source of the security deposit, notify the administrator that the source of the security deposit is insufficient.

[0066] In this way, the guarantee company server device 100 according to the embodiment obtains customer information and balance information provided periodically from the money transfer business which is the outsourcer of the business relating to guaranteeing salary money balances, and manages them in an up-to-date state, and, for example, in the event of bankruptcy of the money transfer business, generates detailed information including information indicating the transfer destination and amount of the security deposit corresponding to the salary money balance of each customer based on the customer information and balance information, and transmits a security deposit payment request including the detailed information to the bank which is the outsourcer of the business of paying the security deposit to the customer. In this way, the guarantee company can realize the guarantee of the salary money balance corresponding to the customers who use the salary receiving service, and can efficiently operate a mechanism for protecting users who use digital salary payment while responding to requests from the government.

[0067] [6. Hardware Configuration] Moreover, the guarantee company server device 100 according to the above-mentioned embodiment or modification is realized, for example, by a computer 1000 having a configuration as shown in Fig. 7. Fig. 7 is a hardware configuration diagram showing an example of a computer that realizes the functions of the guarantee company server device 100 according to the embodiment or modification.

[0068] 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.

[0069] 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.

[0070] 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.

[0071] 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.

[0072] 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.

[0073] For example, when the computer 1000 functions as the guarantee company server device 100 according to the embodiment or the modification, 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 guarantee company server device 100 according to the embodiment or the modification 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 guarantee company server device 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.

[0074] [7. Other] Although some of the embodiments of the present application have been described in detail above with reference to the drawings, these are merely examples, and the present invention can be embodied in other forms that incorporate various modifications and improvements based on the knowledge of those skilled in the art, including the forms described in the Disclosure of the Invention section.

[0075] 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.

[0076] 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]

[0077] SYS Information Processing System 10. First server device 20. Second Server Device 30 Third server device 100 Guarantor company server 110 Communications Department 120 Storage section 121 Customer information storage unit 122 Balance information storage unit 130 Control section 131 Management Department 132 Generation part 200 Payment Request Department

Claims

1. A customer information storage unit that stores customer information about the customer, A balance information storage unit stores balance information related to the salary money balance, which is the latest electronic money balance corresponding to the customer's salary, A management unit acquires the customer information and balance information that are periodically provided by the money transfer service provider, which is the client for the business related to guaranteeing the balance of the aforementioned salary money, and manages the customer information stored in the customer information storage unit and the balance information stored in the balance information storage unit to keep them up to date. It is equipped with a control unit that has The aforementioned management department, The latest salary money balance stored in the balance information storage unit is managed as information for identifying the amount of security deposit that the money transfer business operator must pay to the customer in the event of bankruptcy. An information processing device characterized by the following:

2. The control unit is A generation unit generates detailed information that includes information indicating the recipient of the deposit and the amount of the deposit corresponding to the salary money balance for each customer, based on the customer information and the balance information. A payment request unit transmits a payment request for the security deposit, including the detailed information generated by the generation unit, to the bank which is entrusted with the payment of the security deposit to the aforementioned customer. The information processing apparatus according to claim 1, further comprising the above.

3. The control unit is The reception department that receives guarantee requests from the customer regarding the guarantee of the aforementioned salary money balance. The information processing apparatus according to claim 1, further comprising the features.

4. The generating unit is When a bankruptcy notice is received for the aforementioned money transfer service provider, the aforementioned detailed information is generated. The information processing apparatus according to feature 2.

5. The control unit is If the customer is an insured person under a guarantee credit insurance policy designed to pay a predetermined guarantee to the customer in the event of the bankruptcy of the money transfer service provider, the guarantee service provider will perform a guarantee process to pay the predetermined guarantee in response to the customer's guarantee request. The information processing apparatus according to feature 1.

6. A method of information processing performed by a computer, This includes a management process that periodically obtains customer information about customers and balance information regarding the latest electronic money balance corresponding to the customer's salary from the money transfer service provider that is the client for the guarantee of the salary money balance, and manages the obtained customer information and balance information in an up-to-date state. The aforementioned control process is, The aforementioned latest payroll balance is managed as information to identify the amount of security deposit that must be paid to the customer in the event of the bankruptcy of the money transfer service provider. An information processing method characterized by the following:

7. On the computer, The company periodically obtains customer information about customers and balance information regarding the latest electronic money balance corresponding to the customer's salary from the money transfer service provider that is the client for the guarantee of the salary money balance, and implements a management procedure to keep the obtained customer information and balance information up to date. The aforementioned management procedure is: The aforementioned latest payroll balance is managed as information to identify the amount of security deposit that must be paid to the customer in the event of the bankruptcy of the money transfer service provider. An information processing program characterized by the following features.

Images