Bank system and method executed by bank system

Abstract

To provide information on a digital salary amount of a user to a fund transfer agent before salary transfer.SOLUTION: A bank system receives salary amount data before a salary payment day from a company. The salary amount data show the fact that at least one of transfer destination accounts is a digital salary account. When the transfer destination account included in the salary amount data shows a digital salary account, the bank system extracts the salary amount data as digital salary data, and generates a data set to be registered to a digital salary payment amount DB based on the extracted salary amount data and corresponding data stored in a digital salary account DB. The bank system generates salary transfer schedule details based on the data read out from the digital salary payment amount DB, and transmits the same to a fund transfer agent system before the salary payment day. The salary transfer schedule details include information on the digital salary account and a salary amount, and the fund transfer agent can grasp a charge amount to a user on the salary payment day.SELECTED DRAWING: Figure 7

Description

[Technical field]

[0001] The present invention relates to a banking system, and a method carried out by the banking system, that provides a user's digital salary amount information to a funds transfer agent prior to salary transfer. [Background technology]

[0002] With the lifting of the ban on digital salary payments from April 2023, there are now more options for salary payment and receipt. Companies that pay salaries can now designate individuals' electronic money accounts to make salary payments, and salary recipients can receive their salaries as electronic money. In light of this current situation, technology has been devised to further promote the use of electronic money for salary payments (Patent Document 1 and Patent Document 2). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7140901 [Patent Document 2] JP 2023-27968 A [Patent Document 3] Patent No. 3029421 [Patent Document 4] Patent No. 3391753 Summary of the Invention [Problem to be solved by the invention]

[0004] Page 23 of the "Guidelines for Money Transfer Businesses Regarding the Payment of Wages to Money Transfer Business Accounts" (March 8, 2023) published by the Ministry of Health, Labor and Welfare (hereinafter simply referred to as the "Guidelines for Money Transfer Businesses") stipulates that "wages transferred to a worker's designated account must be in a state where they can be used for foreign exchange transactions (withdrawal instructions to the worker's savings account, etc., use to pay for goods at a store, etc., remittance instructions to a third party, etc.) by around 10:00 a.m. on the designated wage payment day, and the full amount of the wages must be available for payment on the designated wage payment day."

[0005] However, under the conventional technology, the money transfer business operator could only ascertain the amount of the employee's salary payment and charge the employee's account with electronic money after the transfer to the business operator's account had been completed. This meant that it was difficult for the money transfer business operator to carry out the money transfer process, such as charging the employee with electronic money, by 10 a.m. on the salary payment day, and there was a possibility that the money transfer business operator would deviate from the above provision.

[0006] The present invention has been made to solve such problems, and aims to provide a bank system that provides information on a user's digital salary amount to a funds transfer service provider before the salary payment date, and a method executed by the bank system. [Means for solving the problem]

[0007] A bank system according to one aspect of the present invention includes a control unit, a communication unit for communicating with an external network, and a memory unit for storing a first data set for storing data on a digital salary account and a second data set for storing data on the payment of a digital salary, The control unit is Receiving salary data via the communication unit prior to the user's salary payment date, the salary data indicating that at least one of the transfer destination accounts is a digital salary account; When the transfer account included in the received salary amount data indicates a digital salary account, extracting the salary amount data as digital salary data and registering it in the second data set based on the extracted salary amount data and the corresponding data in the first data set; generating a salary transfer schedule statement based on the digital salary account and salary amount of the data read from the second data set; transmitting said salary transfer schedule details to a funds transfer agent system via said communication unit prior to said salary payment date; is configured to run Effect of the Invention

[0008] According to the present invention, information on a user's digital salary amount can be provided to a money transfer service provider before the payday, and the money transfer service provider can execute the money transfer process by 10:00 a.m. on the payday. [Brief description of the drawings]

[0009] A more detailed understanding of the embodiments disclosed herein can be had from the following description, taken in conjunction with the accompanying drawings, in which: [Figure 1] 1 is a configuration diagram of an entire system according to an embodiment of the present invention. [Diagram 2] 1 is a system configuration diagram of a bank system 10 according to an embodiment of the present invention. [Diagram 3] A figure showing an example of the data structure of digital salary account DB206 relating to an embodiment of the present invention. [Figure 4] A figure showing an example of the data structure of the digital salary payment amount DB207 relating to an embodiment of the present invention. [Diagram 5] FIG. 11 is a flow diagram illustrating the lending process of a digital salary account according to the present invention. [Figure 6] FIG. 2 is a flow diagram illustrating the user allocation process of a digital salary account according to the present invention. [Figure 7]1 is a flow diagram illustrating the salary transfer schedule detail generation process, salary transfer process, and digital salary payment process according to the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] In this specification, the term "bank" is used to mean a financial institution (e.g., bank, credit union, credit association, labor bank, agricultural cooperative, etc.) that has a four-digit financial institution code assigned by the Japanese Bankers Association (hereinafter referred to as "JBA").

[0011] In this specification, "electronic money" means a system in which monetary value is recorded as digital data on an IC card or a server connected to the Internet, and monetary value is exchanged electronically (Kojien, 7th edition). The concept of electronic money includes rechargeable electronic payment means, but is not limited to a specific service. Payment with electronic money may be made via a physical medium such as an IC card, via a specific application stored in a user device, or via a user device reading a payment code at a store, or a device at the store reading a payment code displayed on a user device, and is not particularly limited.

[0012] In this specification, the terms "user" and "employee" are used interchangeably. "User" and "employee" refer to a user who uses electronic money b described below and is employed by company C described below.

[0013] In this specification, "digital wages" may mean "wage paid with electronic money."

[0014] In this specification, a "digital salary account" may be a virtual account that is loaned (to which usage rights are granted) to a fund transfer business operator. Any scope of usage rights to a digital salary account granted to a fund transfer business operator may be applied as long as it does not deviate from the gist of this application. A "digital salary account" loaned to a fund transfer business operator may be associated with a user who desires a digital salary and / or the user's electronic money account. Hereinafter, when a phrase such as "digital salary account associated with a user" is written, it is also intended to mean "digital salary account associated with a user's electronic money account."

[0015] Unless otherwise specified, one user (one electronic money account) is associated with one "digital salary account." In this specification, when "digital salary account" is mentioned, it includes the account number of the digital salary account (hereinafter referred to as "digital salary account number") unless otherwise specified. Also, in this specification, the "digital salary account" can be managed by an identification master or database independent of the accounting system possessed by the bank system. Unlike a normal account (referred to as a "real account"), a "digital salary account" does not have an account, so deposit and withdrawal processing cannot be performed on the digital salary account.

[0016] The system may be configured so that transfer to the digital salary account can be performed only by the company (hereinafter referred to as the "employing company") that employs the user who desires the digital salary. The "digital salary account" may be an associated account (synonymous with a "virtual account") as shown in Patent Documents 3 and 4. When a transfer process is performed from the employing company's account to the digital salary account, funds are not transferred to the digital salary account, and instead, the system may be configured to perform the process described with reference to FIG. 7.

[0017] In this specification, a "digital payroll account number" may be used as a unique identification number for identifying a user (employee) and the user's electronic money account associated with a digital payroll account.

[0018] In this specification, the term "employing company account" refers to an account used by an employing company, and the user's (employee's) salary will be temporarily transferred from the "employing company account" to the fund transfer service provider's account ("service provider designated account" described below). Unless otherwise expressly specified, the "employing company account" may include the account number of the "employing company account."

[0019] In this specification, a "business-designated account" is an account used by a money transfer business operator, and may be "an account designated by the money transfer business operator to temporarily receive the user's (employee's) salary" or "an account from which the surplus amount that was not fully charged to the user's electronic money account is withdrawn (auto-sweep) to the account designated by the user." Unless otherwise explicitly stated, the "business-designated account" may include the account number of the "business-designated account."

[0020] Each of the above defined terms may include anything within the scope of the present invention.

[0021] (Overall composition) Figure 1 is a configuration diagram of an entire system including a bank system 10, a money transfer service provider system 11, a corporate system 12, a user terminal 13, and a network 14 according to an embodiment of the present invention. The bank system 10, the money transfer service provider system 11, the corporate system 12, and the user terminal 13 are connected to each other so that they can communicate with each other via the network 14. The configuration shown in Figure 1 is for illustrative purposes only, and there may be a plurality of money transfer service provider systems 11, corporate systems 12, and user terminals 13.

[0022] The bank system 10 receives various requests, instructions, and / or processing results from the money transfer service provider system 11 and the corporate system 12, performs processing related to the requests, instructions, and / or processing results, and transmits the requests, instructions, and / or processing results associated with the related processing to the corresponding systems.

[0023] Based on a digital salary account lending request received from the money transfer service provider system 11, the bank system 10 assigns a digital salary account to the requesting money transfer service provider and transmits information on the assigned digital salary account to the money transfer service provider system 11.

[0024] The bank system 10 generates salary transfer schedule detail data based on the salary amount data received from the company system 12 and transmits it to the funds transfer service provider system 11. The bank system 10 executes a transfer process to transfer the user's salary from the employing company account to the service provider's designated account.

[0025] The banking system 10 has an accounting system, which has corporate and individual accounts, etc. For the purpose of explanation, it is assumed in this specification that the banking system 10 is managed and operated by Bank A.

[0026] The bank system 10 executes a transfer process to transfer the user's digital salary from the employer's account to the company's designated account based on the transfer message, and generates a transfer result for the company's designated account after the process is completed. The transfer result may indicate that the transfer process was successful or may indicate the reason why the transfer was not successful. The amount to be transferred may be the total amount of the digital salary of all users.

[0027] For the purposes of explanation in this specification, it is assumed that the fund transfer agent system 11 is operated by a fund transfer agent B and provides electronic money b to users.

[0028] The fund transfer agent system 11 transmits a digital salary account lending request to the bank system 10 and receives information on the digital salary account allocated (lent) to the fund transfer agent. Based on a digital salary payment request received from the user terminal 13, the fund transfer agent system 11 allocates a digital salary account to the user and associates the digital salary account with the user and the user's electronic money account. The fund transfer agent system 11 transmits information on the digital salary account associated with the user to the user terminal 13. The fund transfer agent system 11 receives salary transfer schedule detail data from the bank system 10. Based on receiving the salary transfer schedule detail data or based on confirming a deposit to the agent-designated account, the fund transfer agent system 11 executes a process of charging the user's electronic money account with the designated amount of electronic money (a process of paying digital salary). The fund transfer agent system 11 executes an auto-sweep function that transfers the surplus amount that could not be charged to the electronic money to the account designated by the user.

[0029] The enterprise system 12 may manage employee attendance, calculate payroll, and transmit payroll data for each employee to the bank system 10. For purposes of explanation, the enterprise system 12 is assumed herein to be managed and operated by enterprise C. The enterprise system 12 may be configured to electronically receive digital payroll account information from employees (users). The employing enterprise may obtain digital payroll account information from employees by any means or method without departing from the spirit of the present application.

[0030] The corporate system 12 logs into the bank system 10 via a corporate application or website, and registers or transmits the salary amount of each employee to the bank system 10. Based on the salary amount (e.g., salary amount data) registered or transmitted by the corporate system 12, the bank system 10 can generate a salary transfer schedule statement. The salary amount may be provided to and / or registered in the bank system by any method or means as long as it does not deviate from the gist of the present application.

[0031] The user terminal 13 is any type of device capable of operating in a wired and / or wireless environment. Although not shown in Fig. 1, the user terminal 13 may include a user terminal 13x and a user terminal 13y. Hereinafter, when simply referring to the user terminal 13, it may include both the user terminal 13x and the user terminal 13y.

[0032] The user terminal 13 transmits a digital salary payment request to the fund transfer agent system 11. The digital salary payment request may include information such as, for example, information on the user's salary account, user information, information on the user's employing company, information on the electronic money account used by the user, and the amount charged to the electronic money account (digital salary amount). Based on the digital salary payment request, the fund transfer agent system 11 can associate the digital salary account information with the information included in the digital salary payment request. The user terminal 13 is notified by the fund transfer agent system 11 of the digital salary account information associated with the user's electronic money account. The user provides the notified digital salary account information to the employing company via any means. The employing company registers the provided digital salary account information in the company system 12.

[0033] (System Configuration) Fig. 2 is a system configuration diagram of a bank system 10 according to an embodiment of the present invention. As shown in Fig. 2, the bank system 10 includes a control unit 201, a main memory unit 202, an auxiliary memory unit 203, an IF unit 204, and an output unit 205, which are interconnected by a bus 208 or the like, like a general computer. The bank system 10 includes a digital salary account DB 206 and a digital salary payment amount DB 207 in the form of a file / database or the like.

[0034] The control unit 201, also called a central processing unit (CPU), controls each component of the bank system 10 and performs data calculations, and also reads out various programs stored in the auxiliary storage unit 203 into the main storage unit 202 and executes them. The main storage unit 202, also called a main memory, stores various received data, computer-executable instructions, and data after calculation processing based on the instructions. The auxiliary storage unit 203 is a storage device typified by a hard disk drive (HDD) and is used for long-term storage of data and programs.

[0035] 2 describes an embodiment in which the control unit 201, the main memory unit 202, and the auxiliary memory unit 203 are provided inside the same computer, but as another embodiment, the bank system 10 can be configured to realize parallel distributed processing by a plurality of computers by using a plurality of control units 201, main memories 202, and auxiliary memories 203. Also, as another embodiment, it is possible to provide an embodiment in which a plurality of servers for the bank system 10 are installed and the plurality of servers share a single auxiliary memory unit 203.

[0036] The IF unit 204 plays the role of an interface when transmitting and receiving data to and from other systems and devices, and also provides an interface for receiving various commands and input data (various masters, tables, etc.) from a system operator. The output unit 205 provides a display screen for displaying processed data and a printing means for printing the data.

[0037] The digital salary account DB 206 stores master data such as information on digital salary accounts and information associated with digital salary accounts. Fig. 3 is a diagram showing an example of a data structure of the digital salary account DB 206 according to an embodiment of the present invention. The digital salary account DB 206 may include a digital salary account 300 and a vendor-designated account 301, but is not limited to these data items and may include other data items.

[0038] The digital salary account 300 indicates a digital salary account (account number, for example, a unique identification number) associated with each user's electronic money account, and can be used to identify each user and / or each user's electronic money account. The company-designated account 301 can be account information of a funds transfer company for transferring the user's digital salary.

[0039] The digital salary payment amount DB207 stores transaction data related to the payment of digital salary. Figure 4 is a diagram showing an example of the data structure of the digital salary payment amount DB207 according to an embodiment of the present invention. The digital salary payment amount DB207 can include a digital salary account 300, a target date 401, a salary amount 402, a trader designated account 301, and an employment company account 403, but is not limited to these data items and can also include other data items.

[0040] The target date 401 indicates the target date for processing. The salary amount 402 indicates the amount of salary paid to the user associated with the digital salary account 300. The employing company account 403 indicates the account information of the company employing the user, and the amount of the digital salary of the user who wishes to receive a digital salary is transferred from the employing company account 403 to the company-designated account of the funds transfer service provider.

[0041] The bank system 10 may provide some or all of the information stored in the digital salary account DB 206 and the digital salary payment DB 207 to the money transfer agent system 11 and the corporate system 12.

[0042] (Process flow: Digital salary account lending process) 5 is a flow diagram for explaining the lending process of the digital salary account according to the present invention. Hereinafter, the lending process of the digital salary account will be explained with reference to FIG.

[0043] In S501, the funds transfer service provider system 11 transmits a digital salary account lending request to the bank system 10. The digital salary account lending request may include information such as, for example, the identifier of the funds transfer service provider, the account number of the service provider-designated account for transferring the user's digital salary amount, and the number of digital salary accounts to be lent. The digital salary account to be lent may be a virtual account as described above. Note that, as long as the digital salary account and the service provider-designated account are ultimately associated, lending of the digital salary account may be done by other methods, such as an application via a different route and manual registration by an operator.

[0044] In S502, in response to receiving the digital salary account lending request, the bank system 10 allocates to the funds transfer service provider the requested number of digital salary accounts from among the digital salary accounts stored in the digital salary account DB 206. Specifically, the bank system 10 associates the digital salary account 300 with the service provider-designated account included in the digital salary account lending request and stores them in the digital salary account DB 206.

[0045] In S503, the bank system 10 transmits information on the digital salary account assigned to the fund transfer service provider to the fund transfer service provider system 11. The transmitted information includes at least information on the assigned digital salary account 300. The fund transfer service provider system 11 stores the received digital salary account information within its own system.

[0046] Through the above process, a digital salary account can be lent (authorization of use granted) to the funds transfer service provider system 11.

[0047] (Process flow: User allocation process for digital salary accounts) 6 is a flow diagram explaining the user allocation process of the digital salary account according to the present invention. In the flow explained below, for the purpose of explanation, it is assumed that the user terminal 13x is used by the user X, and the user terminal 13y is used by the user Y. It is assumed that the users X and Y are employees employed by the company C.

[0048] In S601, the user terminal 13 transmits a digital salary payment request to the funds transfer agent system 11. The digital salary payment request may include information such as the user's salary account information, user information such as name and contact information, information about the user's employer, information about the electronic money account used by the user, the amount charged to the electronic money account (digital salary amount), etc. In this example, it is assumed that users X and Y each specify 50,000 yen as their digital salary amount.

[0049] In S602, the fund transfer agent system 11 can assign an arbitrary digital salary account from among the assignable digital salary accounts to the user, and associate the digital salary account with the user. In detail, based on a digital salary payment request received from the user terminal 13, the fund transfer agent system 11 associates the digital salary account information with information contained in the digital salary payment request, such as information on the user's salary account, user information, information on the user's employing company, information on the electronic money account used by the user, the amount charged to the electronic money account (digital salary amount), and the salary payment date, and stores this information in the fund transfer agent system 11.

[0050] At S603, the funds transfer agent system 11 transmits to the user terminal 13 information about the digital salary account associated with the user.

[0051] In S604, the user terminal 13 transmits or registers the digital salary account information associated with the user received from the funds transfer service provider system 11 to the corporate system 12. This enables the corporate system 12 to register the digital salary account information associated with each user within the system. Note that the user may transmit the digital salary account information to the company in writing or by any other means.

[0052] Through the above processing, a digital salary account can be associated with a user (employee), so that the money transfer service provider system 11 can grasp the association between the digital salary account and the user's electronic money account, and the corporate system 12 can grasp the association between the digital salary account and the user.

[0053] (Process flow: salary transfer schedule detail generation process, salary transfer process, and digital salary payment process) Fig. 7 is a flow diagram explaining the salary transfer schedule detail generation process, salary transfer process, and digital salary payment process according to the present invention. In the following explanation, it is assumed that users X and Y specify 50,000 yen as the digital salary amount, and are paid 300,000 yen by company C. Therefore, users X and Y will receive 50,000 yen as their salary in electronic money handled by the funds transfer service provider, and 250,000 yen in cash in their salary accounts. The explanation will be given assuming that the electronic money balance in user X's electronic money account is 100,000 yen, and the balance in user Y's electronic money account is 960,000 yen.

[0054] As known to those skilled in the art, the enterprise system 12 may be a system that deposits payroll into only one account per employee, or may be a system that deposits payroll into multiple accounts. That is, the enterprise system 12 may transmit one payroll amount data or multiple payroll amount data per employee to the bank system 10.

[0055] In the former case, the bank system 10 judges whether the transfer destination account of the salary amount data is a digital salary account registered in the digital salary account DB 206, and if the transfer destination account is a digital salary account, generates salary transfer schedule detail data based on the salary amount data and transmits it to the funds transfer service provider system 11, and transfers the salary amount to the designated account of the funds transfer service provider. On the other hand, if the transfer destination account is not a digital salary account, the bank system 10 performs conventional bank transfer processing.

[0056] In the latter case, the corporate system 12 will from the beginning send separate salary amount data addressed to the user's salary account and salary amount data addressed to the digital salary account to the bank system 10. The bank system 10 will carry out conventional bank transfer processing for the salary amount data addressed to the user's salary account, and will generate salary transfer schedule detail data for the salary amount data addressed to the digital salary account and send it to the funds transfer service provider system 11, while also transferring the salary amount to the designated account of the funds transfer service provider.

[0057] In this specification, detailed explanation of conventional bank transfer processing is omitted, and processing related to salary amount data to a digital salary account is described. The salary transfer schedule details generated by the following processing may contain only information about the user who wishes to receive a digital salary.

[0058] In S701, the enterprise system 12 calculates the payroll of employees (users) to generate payroll data, and transmits the payroll data to the bank system 10 before the payroll date (e.g., two business days before the payroll date). The bank system 10 receives the payroll data from the enterprise system 12 before the payroll date. The payroll data may be provided to the bank system 10 at any timing without departing from the gist of the present invention.

[0059] The salary amount data may be salary transfer data conforming to the JBA format. For example, the salary amount data may include information such as the user's salary amount, the transfer account, and the employer's account. The transfer account may be a digital salary account (virtual account). If the corporate system 12 is a system that transfers salary to only one account per employee, the salary amount of the salary amount data to the digital salary account is the sum of the transfer amount to the user's salary account and the charge amount to the electronic money account. On the other hand, if the corporate system 12 is a system that transfers salary to multiple accounts per employee, there may be multiple salary amount data. In other words, there may be salary amount data indicating the transfer amount to the user's real account and salary amount data to the digital salary account.

[0060] In S702, if the transfer account included in the received salary amount data indicates a digital salary account, the bank system 10 extracts the salary amount data as digital salary data. Specifically, the bank system 10 can extract digital salary data by identifying whether the transfer account is a digital salary account 300 registered in the digital salary account DB 206. This identification may be performed based on whether the account number of the transfer account is a digital salary account.

[0061] The bank system 10 stores the information included in the extracted salary data and the information obtained from the digital salary account DB206 based on the digital salary account of the salary data in the digital salary payment amount DB207. In detail, the bank system 10 stores the date on which the salary data was received as the target date 401, the digital salary account included in the salary data as the digital salary account 300, the user's salary as the salary amount 402, the employing company account as the employing company account 403, and the vendor-designated account obtained from the digital salary account DB206 as the vendor-designated account 301 in the digital salary payment amount DB207.

[0062] In S703, the bank system 10 reads out the data stored in the digital salary payment amount DB 207, and generates transfer schedule details data based on the read out data. The transfer schedule details data may include information about the user who wishes to receive digital salary, such as the digital salary account 300 and the salary amount 402.

[0063] In S704, the bank system 10 transmits the generated salary transfer schedule detail data to the funds transfer agent system 11 prior to the user's salary payment date (eg, two business days prior).

[0064] Through the above process, the bank system 10 can transmit salary transfer schedule detail data to the money transfer service provider system 11 before making a salary payment. In other words, the money transfer service provider system 11 can obtain information on the user's salary amount before the salary payment date and begin the next process. This allows the money transfer service provider system 11 to execute a money transfer process, such as charging an electronic money account, by 10:00 a.m. on the salary payment date.

[0065] In S705, the bank system 10, in response to the generation or transmission of the salary transfer schedule detail data, generates a company designated account transfer message by adding up the amount of salary 402 of the data of the group of data that is the same for the company designated account 301 and the employing company account 403 for the same processing month read from the digital salary payment amount DB 207. This process calculates the total amount of the amount to be transferred from company C to the funds transfer service provider B. Similarly, the total amount of the amount to be transferred from the company to each fund transfer service provider is calculated. In other words, the company designated account transfer message can be a transfer instruction to transfer the total amount of salary of the user who desires a digital salary associated with the employing company from the employing company account to the company designated account. The company designated account transfer message can include, for example, account information (transfer source account) of the employing company account 403, account information (transfer destination account) of the company designated account 301, and the total amount of salary 402.

[0066] In S706, the bank system 10 performs a transfer process to transfer the total amount of the salary of the user who desires a digital salary from the employing company account to the company-designated account based on the company-designated account transfer message. This process results in the total amount of the digital salary for each fund transfer company that the employee (user) of the employing company desires as a digital salary being transferred from the employing company account to the company-designated account. The bank system 10 may be configured to temporarily deposit the amount withdrawn from the employing company account 403 into a specified account within the bank system 10, and then deposit the amount into the company-designated account 301 at a specified timing.

[0067] At S707, the funds transfer service provider system 11, based on receiving the salary transfer schedule detail data or based on confirming a deposit into the service provider designated account, checks the balance of the electronic money account associated with each digital salary account included in the salary transfer schedule detail data, and executes a digital salary payment process (a process of charging the electronic money account) so that the balance of each electronic money account is equal to or less than a threshold. Through these processes, the funds transfer service provider system 11 becomes able to charge the electronic money account associated with the digital salary account included in the salary transfer schedule detail data.

[0068] In S708, the funds transfer service provider system 11 executes an auto-sweep for electronic money accounts that satisfy predetermined conditions. The auto-sweep function is a process for transferring funds in an amount that exceeds the set balance to an account designated by the user (for example, the user's salary account described in S602).

[0069] As described above, in this specification, as an example, 50,000 yen will be charged to the electronic money accounts of users X and Y, respectively. However, if the charging is carried out as is, the electronic money balance in user X's electronic money account will be a total of 150,000 yen, and the electronic money balance in user Y's electronic money account will be a total of 1,010,000 yen.

[0070] The "Guidelines for Funds Transfer Business Operators" stipulate that the recharge limit for electronic money accounts must be set at 1 million yen or less, and that any amount exceeding the recharge limit must be transferred to an account designated by the user. According to these regulations, the electronic money balance of User Y's electronic money account being 1.01 million yen is a violation of the regulations.

[0071] For this reason, the funds transfer service provider system 11 identifies the current balance of each electronic money account, and determines whether the total of the identified balance and the planned recharge amount exceeds a threshold (i.e., 1 million yen). If it is determined that the total will be below the threshold, the funds transfer service provider system 11 charges the planned recharge amount to the electronic money account. On the other hand, if it is determined that the total will exceed the threshold, the funds transfer service provider system 11 charges the planned recharge amount to the electronic money account up to the threshold, creates a transfer request message (auto-sweep request) to transfer the remaining balance from the service provider-designated account 301 to the user's salary account, and executes auto-sweep processing to send the message to a bank system (e.g., bank system 10) that has the service provider-designated account.

[0072] In this embodiment, 40,000 yen out of the planned charge amount of 50,000 yen is charged to the electronic money account of user Y, and the remaining amount (surplus amount) of 10,000 yen is transferred from the company designated account 301 to the user's salary account by the bank system that received the transfer request message. If the company designated account 301 is an account of a bank different from the bank system 10, the transfer message is sent to the system of that bank.

[0073] The above process makes it possible to pay a digital salary to a user (to charge a specified amount of electronic money), and even if the electronic money account balance exceeds the threshold (charge limit), the excess amount will be transferred to the user's specified account. Therefore, since the funds transfer business operator can know the amount of digital salary for each user before the payday, it is possible to charge the electronic money account by 10:00 a.m. on the payday, and on the other hand, the user (employee) can receive electronic money as a digital salary on the payday without having to charge the electronic money themselves.

[0074] The embodiment described in this specification is as follows. User X: 250,000 yen is transferred to the designated account, and 50,000 yen is charged to the electronic money account. User Y: 260,000 yen (including the 10,000 yen excess that could not be charged) is transferred to the designated account, and 40,000 yen is charged to the electronic money account. Funds transfer service provider B: When the corporate system 12 transmits one salary amount data per employee, 600,000 yen is deposited in the account designated by the service provider, of which 250,000 yen is transferred to the account designated by user X, and 260,000 yen (including the 10,000 yen excess amount that could not be charged) is transferred to the account designated by user Y, leaving a final balance of 90,000 yen. On the other hand, when the corporate system 12 transmits multiple salary amount data per employee, 100,000 yen is deposited in the account designated by the service provider, of which 10,000 yen (the 10,000 yen excess amount that could not be charged) is transferred to the account designated by user Y, leaving a final balance of 90,000 yen.

[0075] In the above embodiment, the excess amount that could not be charged to the electronic money account is credited to the user's designated account. However, the present invention can be embodied in other ways.

[0076] Within the scope of the present application, the order of the processes described in the above embodiment does not necessarily have to be the order described, and may be performed in any order. Furthermore, processes may be added, deleted, and / or combined without departing from the basic concept of the present embodiment.

[0077] For the purpose of explanation, the present specification has been described assuming that one type of electronic money is used, but more types of electronic money can be applied to the present invention without departing from the scope of the present invention.

[0078] <Other considerations> The above explanation has been about providing information on a user's salary amount to a funds transfer service provider prior to salary transfer, but the invention described in this specification can also provide users with a safe environment for using digital salary payments.

[0079] Currently, in virtual accounts such as the conventional technology of Patent Document 2, there are no clear standards for identity verification procedure requirements (KYC requirements) regarding withdrawals (loans) from banks to fund transfer businesses. Therefore, it is not clear whether the bank or the fund transfer business has the obligation to conduct identity verification procedures. Therefore, in the conventional technology of Patent Document 2 and the like, it is difficult to provide users (such as employees) with appropriate identity verification procedures, and it cannot be said that a safe usage environment for digital salary payments is provided to users.

[0080] The present invention uses the "digital salary account number" as a unique identification number to identify the user (employee), and the present invention does not involve a transfer process to the "digital salary account." Therefore, there is no need for identity verification procedures for withdrawals, loans, and associations of the "digital salary account."

[0081] Therefore, the present invention makes it possible to provide a funds transfer service provider with information on a user's salary amount before the salary payment date, while making it clear that there is no need for the bank to carry out identity verification procedures for withdrawals from a digital salary account.

[0082] Although the principles of the present invention have been described above with reference to exemplary embodiments, it will be understood by those skilled in the art that various embodiments that change in configuration and details can be realized without departing from the gist of the present invention. That is, the present invention can be embodied as, for example, a system, an apparatus, a method, a program, or a storage medium. [Explanation of symbols]

[0083] 10. Banking System 11 Funds Transfer Service Provider System 12 Corporate Systems 13 User terminal 14 Network 201 Control section 202 Main memory 203 Auxiliary storage 204 IF Section 205 Output section 206 Digital Salary Account DB 207 Digital salary payment DB 208 Bus

Claims

1. A control unit; A communication unit for communicating with an external network; a storage unit for storing a first data set storing data about a digital salary account and a second data set storing data about a digital salary payment; A banking system comprising: The control unit is Receiving salary data via the communication unit prior to the user's salary payment date, the salary data indicating that at least one of the transfer destination accounts is a digital salary account; When the transfer account included in the received salary amount data indicates a digital salary account, extracting the salary amount data as digital salary data and registering it in the second data set based on the extracted salary amount data and the corresponding data in the first data set; generating a salary transfer schedule statement based on the digital salary account and salary amount of the data read from the second data set; transmitting said salary transfer schedule details to a funds transfer agent system via said communication unit prior to said salary payment date; A banking system that is configured to run

2. In response to the generation of the payroll transfer schedule details or in response to the payroll transfer schedule details being transmitted to the funds transfer agent system, generating a transfer message to the designated company account by calculating the total amount of the salary for each designated company account and each employing company account for the same processing month read from the second data set; Implementing a transfer process to transfer the calculated total amount of salary from the employing company account to the designated account of the company based on the transfer message to the designated account of the company.

2. The banking system of claim 1, configured to execute:

3. 2. The bank system of claim 1, further configured to execute a transfer process in response to receiving an auto-sweep request from the money transfer service provider system via the communication unit, to transfer a surplus amount from a service provider designated account to a user designated account, wherein the surplus amount indicates an amount that has not been charged to the user's electronic money account by the money transfer service provider system.

4. The bank system of claim 1, configured to, in response to receiving a digital salary account lending request via the communication unit, allocate a digital salary account stored in the first dataset to a funds transfer agent associated with the digital salary account lending request.

5. A control unit; A communication unit for communicating with an external network; a storage unit for storing a first data set storing data about a digital salary account and a second data set storing data about a digital salary payment; A method performed by a banking system comprising: The method comprises: The control unit receives salary amount data via the communication unit prior to the user's salary payment date, and the salary amount data indicates that at least one of the user's transfer destination accounts is a digital salary account; When the transfer account included in the received salary amount data indicates a digital salary account, the control unit extracts the salary amount data as digital salary data and registers the extracted salary amount data in the second data set based on the corresponding data in the first data set; The control unit generates a salary transfer schedule statement based on the digital salary account and salary amount of the data read from the second data set; the control unit transmits the salary transfer schedule details to the funds transfer service provider system via the communication unit prior to the salary payment date; A method for providing the above.

Images