Deposit system, deposit method and program

Abstract

To provide a deposit system executing an appropriate deposit to electronic settlement means of users.SOLUTION: A transfer type acquisition part (101) of a deposit system (1) acquires transfer information representing a transfer type in transfer in which an account number of a user is specified as a transfer destination. A necessity determination part (102) determines whether or not it is necessary to deposit money into electronic settlement means of the user based on the transfer type represented by the transfer information. When the necessity determination part determines that the deposit is necessary, a deposit execution part (104) executes the deposit according to the transfer amount in the transfer.SELECTED DRAWING: Figure 6

Description

[Technical field]

[0001] The present disclosure relates to a deposit system, a deposit method, and a program. [Background technology]

[0002] Conventionally, there are known technologies for promoting cashless society by using electronic payment methods (e.g., electronic money or virtual currency). For example, Patent Document 1 describes a financial infrastructure system that, when a legal amendment is made in Japan that allows payment of wages to employees by depositing money into electronic money, can respond to the legal amendment by using infrastructure money that allows deposits into conventional electronic money. [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2021-043873 A Summary of the Invention [Problem to be solved by the invention]

[0004] In the above-mentioned technology, a deposit may be made to an electronic payment instrument based on a transfer in which a user's account number is designated as the transfer destination. Taking the example of salary payment described in Patent Document 1, when an employer transfers a payment in which an employee's account number is designated as the transfer destination, a deposit may be made to the employee's electronic money. Such transfers include not only salary transfers to employees but also non-salary transfers (e.g., advance payments, etc.), and it is necessary to distinguish between these and appropriately manage electronic money. This is true not only for digital salary payments and electronic money as described in Patent Document 1, but also for transfers other than salary and electronic payment instruments in general.

[0005] One objective of this disclosure is to effect proper crediting of a user's electronic payment instrument. [Means for solving the problem]

[0006] The deposit system of the present disclosure includes a transfer information acquisition unit that acquires transfer information indicating the transfer type for a transfer in which a user's account number is specified as the transfer destination, a necessity determination unit that determines whether or not a deposit is necessary to the user's electronic payment means based on the transfer type indicated in the transfer information, and a deposit execution unit that executes the deposit according to the transfer amount for the transfer when the necessity determination unit determines that the deposit is necessary. Effect of the Invention

[0007] According to the present disclosure, appropriate credits can be made to a user's electronic payment instrument. [Brief description of the drawings]

[0008] [Figure 1] FIG. 2 is a diagram illustrating an example of a hardware configuration of a deposit system in the first embodiment. [Diagram 2] FIG. 1 is a diagram showing an example of an overview of a deposit system in a first embodiment. [Diagram 3] FIG. 11 is a diagram showing an example of a procedure carried out by a user who wishes to pay his / her salary digitally in the first embodiment. [Figure 4] FIG. 11 is a diagram showing an example of a procedure carried out by a user who wishes to pay his / her salary digitally in the first embodiment. [Diagram 5] FIG. 2 is a diagram showing an example of an electronic money balance. [Figure 6] A figure showing an example of a function realized by the deposit system of the first embodiment. [Figure 7] FIG. 2 is a diagram illustrating an example of an electronic money database. [Figure 8] FIG. 13 is a diagram illustrating an example of a workplace database. [Figure 9] FIG. 13 is a diagram showing an example of a transfer database. [Figure 10]FIG. 13 is a diagram illustrating an example of a virtual account database. [Figure 11] FIG. 2 is a diagram showing an example of a process executed in the deposit system of the first embodiment. [Figure 12] FIG. 2 is a diagram showing an example of a process executed in the deposit system of the first embodiment. [Figure 13] FIG. 11 is a diagram illustrating an example of a system configuration in a second embodiment. [Figure 14] FIG. 13 is a diagram showing an example of an overview of a deposit system in a second embodiment. [Figure 15] A figure showing an example of a function realized by the deposit system of the second embodiment. [Figure 16] FIG. 10 illustrates an example of a vendor database. [Figure 17] FIG. 11 is a diagram showing an example of a process executed in the deposit system of the second embodiment. [Figure 18] FIG. 11 is a diagram showing an example of a process executed in the deposit system of the second embodiment. [Figure 19] FIG. 13 is a diagram illustrating an example of functions in a modified example. [Figure 20] FIG. 13 is a diagram showing an example of a notification regarding the execution of a designated account transfer process. [Figure 21] FIG. 13 is a diagram showing an example of a balance management screen. [Figure 22] FIG. 13 is a diagram showing an example of a notice sent to a requester in a transfer. [Figure 23] FIG. 13 is a diagram showing an example of a notification prompting the user to use the remaining balance. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0009] [1. First embodiment] A first embodiment, which is an example of an embodiment of a deposit system, a deposit method, and a program according to the present disclosure, will be described.

[0010] [1-1. Hardware configuration of the deposit system in the first embodiment] FIG. 1 is a diagram showing an example of the hardware configuration of a deposit system in the first embodiment. For example, a deposit system 1 is connected to a network N such as the Internet or a LAN. In the first embodiment, a workplace system 2, a financial institution system 3, and a user terminal 40 are also connected to the network N. Any computer can be connected to the network N. The computers connected to the network N are not limited to the example in FIG. 1.

[0011] For example, the deposit system 1 includes a deposit server 10. The deposit server 10 is a server computer of a business that handles electronic payment means. In the first embodiment, electronic money (digital money) is described as an example of an electronic payment means, but the payment means itself may be of any type and is not limited to electronic money. For example, the payment means may be a prepaid payment means not called electronic money, a cryptocurrency, an account, a wallet, a credit card, a debit card, points, or other means.

[0012] Hereinafter, a business that handles electronic money is referred to as an electronic money business. For example, an electronic money business is a company that manages and operates electronic money. In the following explanation, where "electronic money" is written, it can be read as any payment means that can be deposited. For example, a payment means has the concept of a balance. Since credit cards, debit cards, and points cannot be deposited, where "electronic money" is written, it can be read as a prepaid payment means, cryptocurrency, account, wallet, or other payment means that can be deposited.

[0013] For example, the deposit server 10 includes a control unit 11, a storage unit 12, and a communication unit 13. The control unit 11 includes at least one processor. The storage unit 12 includes at least one of a volatile memory such as a RAM and a non-volatile memory such as a flash memory. The communication unit 13 includes at least one of a communication interface for wired communication and a communication interface for wireless communication.

[0014] The program stored in the storage unit 12 may be supplied to the deposit server 10 via the network N. Also, the program stored in a computer-readable information storage medium may be supplied to the deposit server 10 via a reading unit (e.g., an optical disk drive or a memory card slot) that reads the information storage medium, or an input / output unit (e.g., a USB port) that inputs and outputs data to and from an external device.

[0015] Moreover, the deposit system 1 only needs to include at least one computer, and is not limited to the example of FIG. 1. For example, the deposit system 1 may include a deposit server 10 and other server computers. The deposit system 1 may include other computers other than the server computer, such as a personal computer, a tablet, or a smartphone. The deposit system 1 may not include a server computer, and may only include other computers other than the server computer.

[0016] The workplace system 2 is a system of the workplace of a user who uses electronic money. In the first embodiment, a company is described as an example of a workplace, but the workplace is not limited to a company as long as it is an entity that pays a salary to the user. For example, the workplace may be an individual store, a local government, a non-profit corporation, or other organization. For example, the workplace system 2 includes a workplace server 20 and a workplace terminal 24. Note that the workplace system 2 is not limited to the example of FIG. 1 as long as it includes at least one computer. This is similar to the deposit system 1.

[0017] For example, the workplace server 20 is a server computer of the workplace. The workplace server 20 includes a control unit 21, a storage unit 22, and a communication unit 23. The hardware configurations of the control unit 21, the storage unit 22, and the communication unit 23 may be similar to those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. The program stored in the storage unit 22 may be supplied to the workplace server 20 via the network N or an information storage medium.

[0018] For example, the work terminal 24 is a computer of a person in charge of salary transfer at the workplace. The work terminal 24 is a personal computer, a smartphone, or a tablet. The work terminal 24 includes a control unit 25, a memory unit 26, a communication unit 27, an operation unit 28, and a display unit 29. The hardware configurations of the control unit 25, the memory unit 26, and the communication unit 27 may be similar to those of the control unit 11, the memory unit 12, and the communication unit 13, respectively. The operation unit 28 is an input device such as a keyboard, a mouse, or a touch panel. The display unit 29 is a display such as a liquid crystal or organic EL. The program stored in the memory unit 26 may be supplied to the work terminal 24 via the network N or an information storage medium.

[0019] The financial institution system 3 is a system of a financial institution. In the first embodiment, a bank is described as an example of a financial institution, but the financial institution may be of any type and is not limited to a bank. For example, the financial institution may be a credit union, a securities company, a cooperative, a labor bank, or other institution. For example, the financial institution system 3 includes a financial institution server 30. Note that the financial institution system 3 is not limited to the example of FIG. 1 as long as it includes at least one computer. This is similar to the deposit system 1.

[0020] For example, financial institution server 30 is a server computer of a financial institution. Financial institution server 30 includes control unit 31, storage unit 32, and communication unit 33. The hardware configurations of control unit 31, storage unit 32, and communication unit 33 may be similar to those of control unit 11, storage unit 12, and communication unit 13, respectively. Note that the program stored in storage unit 32 may be provided to financial institution server 30 via network N or an information storage medium.

[0021] The user terminal 40 is a user's computer. For example, the user terminal 40 is a personal computer, a smartphone, a tablet, or a wearable terminal. Although only one user terminal 40 is shown in FIG. 1, there may be a user terminal 40 for each of a plurality of users. For example, the user terminal 40 includes a control unit 41, a storage unit 42, a communication unit 43, an operation unit 44, and a display unit 45. The hardware configurations of the control unit 41, the storage unit 42, the communication unit 43, the operation unit 44, and the display unit 45 may be the same as those of the control unit 11, the storage unit 12, the communication unit 13, the operation unit 28, and the display unit 29, respectively. The program stored in the storage unit 42 may be provided to the user terminal 40 via the network N or an information storage medium.

[0022] [1-2. Overview of the deposit system in the first embodiment] FIG. 2 is a diagram showing an example of an overview of the deposit system 1 in the first embodiment. In the first embodiment, the deposit system 1 realizes digital payment of salary to a user by cooperating with a financial institution system 3 that accepts a request for salary transfer from an employer system 2. For example, a user who wishes to have their salary paid digitally performs a predetermined procedure using a payment app installed on a user terminal 40. The payment app is an application (for example, a so-called smartphone app) provided by an electronic money business operator.

[0023] 3 and 4 are diagrams showing an example of a procedure carried out by a user who wishes to have his / her salary paid digitally in the first embodiment. For example, when a payment application is started on the user terminal 40, the user terminal 40 displays a payment application screen SC1 on the display unit 45. When the user causes a payment terminal installed at an electronic money affiliated store to read the code C10, payment is executed based on the payment means previously set as the payment source. In the example of FIG. 3, the user sets electronic money as the payment source. The user can change the payment source to another payment means such as a credit card.

[0024] In the first embodiment, online electronic money is taken as an example, but the electronic money may be of any type and is not limited to the online type. For example, the electronic money may be of a type in which information such as balance is written to an IC chip of the user terminal 40, a type in which information such as balance is written to an IC card, a type in which information such as balance is written to a magnetic card, a type that is completed only by biometric authentication such as face authentication, or other types.

[0025] For example, when the user selects button B11, the user terminal 40 displays details of the procedure for digital salary payment on the payment application screen SC1, as shown in the upper right of Fig. 3. When the user selects button B12, the user terminal 40 displays a balance management screen (variation 2 described below) for managing the balance of electronic money on the display unit 45. In the first embodiment, an example is given of a case in which the user performs a procedure for opening a virtual account at a financial institution and a procedure for registering a designated account from the payment application, but these procedures may be performed by someone other than the user, such as the employer.

[0026] A virtual account is an account that is used exclusively for transfers. In other words, a virtual account is an account for accepting transfers. A virtual account is sometimes called a provisional account. For example, a virtual account does not have the concept of a balance, or the balance is fixed at a predetermined value (e.g., 0 yen). A virtual account is associated with a parent account. A parent account is an account into which cash is deposited in a transfer to a virtual account. A parent account has the concept of a balance, or the balance is not fixed at a predetermined value (e.g., 0 yen). A parent account is the same as a normal real account except that a virtual account is associated with it. In addition, a virtual account may have a withdrawal function.

[0027] The designated account is a real account different from the virtual account. For example, the account holder is the user. The designated account is an account for transferring funds that the user cannot receive in the digital salary payment system in the first embodiment. The designated account may be an account at the same financial institution as the financial institution where the virtual account is opened, or may be an account at another financial institution. The user can designate an account at any financial institution as the designated account.

[0028] For example, when the user selects button B13, as shown in the lower left of FIG. 3, the user terminal 40 launches a browser and displays a financial institution screen SC2 showing the website of the financial institution on the display unit 45. The financial institution screen SC2 displays information required to open a virtual account, such as the user's name, date of birth, and address. When the user selects button B20, the opening of the virtual account is completed. As shown in the lower right of FIG. 3, the user terminal 40 displays a message indicating that the opening of the virtual account has been completed on the financial institution screen SC2. The user can also select button B21 to modify the information. The procedure for opening a virtual account itself may be similar to a known procedure.

[0029] For example, when the user selects button B14 with the payment application screen SC1 in the upper right position, the user terminal 40 displays input form F15 on the payment application screen SC1, which accepts input of information related to the designated account, as shown on the left side of FIG. 4. The user specifies the designated account by inputting the financial institution name (financial institution code), branch name (branch code), account type, account number, and account holder in input form F15. When the user enters the necessary information in input form F15 and selects button B16, registration of the designated account is complete. Once registration of the designated account is complete, the user terminal 40 displays a message indicating that registration of the designated account has been completed on the payment application screen SC1, as shown on the right side of FIG. 4.

[0030] Returning to FIG. 2, the user requests the person in charge of salary transfers at their workplace to register the virtual account issued by the user as the transfer destination. The person in charge operates the workplace terminal 24 to register the transfer destination information of the user's salary in the workplace server 20. When the time comes to transfer the salary, the workplace server 20 outputs FB (Firm Banking) data. The salary transfer itself may be carried out by known processing. Note that IB (Internet Banking) data may be used instead of FB data. The following explanation takes FB data as an example.

[0031] For example, the FB data includes a header record, a data record, a trailer record, and an end record. The format of the FB data may be a known format. The FB data includes a transfer type. In the first embodiment, a transfer type of "21" means a general transfer. A transfer type of "11" means a salary transfer. A transfer type of "12" means a bonus transfer. The numerical value indicated by the transfer type may have any predetermined meaning and is not limited to the example of the first embodiment. The FB data also includes other information such as the requester's name, the designated transfer date, the transfer source information, the transfer destination information, and the transfer amount.

[0032] For example, the work server 20 transmits FB data to the financial institution server 30. The financial institution server 30 receives the FB data from the work server 20. The financial institution server 30 executes a transfer based on the FB data. The transfer based on the FB data may be executed by a known process. In the first embodiment, since the user designates a virtual account as the transfer destination, the user's salary is deposited into a parent account managed by the electronic money business operator.

[0033] For example, the deposit server 10 uses the API to obtain transfer information on the salary transfer that is the subject of the salary digital payment from the financial institution server 30. The transfer information includes all or part of the information of the FB data. For example, the transfer information indicates the requester's name (remitter), the transfer destination, the transfer type, and the transfer amount. If the requester's name is different from the remitter's name, both the remitter's name and the remitter's name may be included in the transfer information. In this disclosure, a case will be described in which both the requester's name and the remitter's name are the user's workplace. The transfer information may indicate the contents of the transfer that is to be executed immediately, or may indicate the contents of the transfer that is scheduled in the future. In addition, the transfer information may remain as FB data, or may be converted into another format. If the transfer information is converted into another format, other information may be added to the transfer information. For example, information on whether or not cash has arrived in the account may be added to the transfer information. In the case of the method of the second embodiment described later, it is assumed that information on whether or not cash has arrived in the account is not added to the transfer information.

[0034] In the first embodiment, the deposit server 10 executes a deposit into electronic money when the transfer type is a salary transfer or a bonus transfer. When the transfer type is not a salary transfer or a bonus transfer (for example, when the transfer type is a general transfer or when the transfer type is not specified), the deposit server 10 executes a transfer into a specified account. When a transfer of an advance payment other than a salary is executed, the transfer type becomes a general transfer. The transfer type may not be specified.

[0035] FIG. 5 is a diagram showing an example of the balance of electronic money. In the first embodiment, the electronic money has a first balance for digitally paying a salary and a second balance different from the first balance. An upper limit is set for the first balance. In the first embodiment, an example is given in which the upper limit is 100,000 yen, but the upper limit may be any value and is not limited to the example of the first embodiment. For example, the upper limit may be specified by the user. The first balance is available for withdrawal. The second balance may be the same as the balance of conventional electronic money. The second balance may be available for withdrawal, or may be restricted so that it cannot be withdrawn.

[0036] Hereinafter, the first balance will be referred to as the salary balance. The second balance will be referred to as the non-salary balance. In the first embodiment, it is assumed that there are two types of electronic money balance: a basic balance that cannot be withdrawn, and a premium balance that can be withdrawn. For example, when electronic money is charged based on a credit card's shopping limit, the basic balance (15,000 yen in the example of FIG. 5) increases. When electronic money is charged based on a credit card's cash advance limit, sales from an online shopping mall, or crypto assets, the premium balance (10,000 yen in the example of FIG. 5) increases. The salary balance (50,000 yen in the example of FIG. 5) is classified as a premium balance.

[0037] For example, if the transfer type is a salary transfer or a bonus transfer and the upper limit is not exceeded when the salary amount is deposited in the salary balance, the deposit server 10 deposits the entire transfer amount into the salary balance. If the transfer type is a salary transfer or a bonus transfer and the upper limit is exceeded when the salary amount is deposited in the salary balance, the deposit server 10 deposits an amount of the transfer amount that does not exceed the upper limit into the salary balance, and deposits the amount that exceeds the upper limit into a designated account. If the transfer type is neither a salary transfer nor a bonus transfer, the deposit server 10 transfers the entire transfer amount into a designated account.

[0038] For example, suppose that users U1 to U3, who are employees of a certain workplace, each have completed the procedure for digital salary payment. Suppose the upper limit for salary balance is 100,000 yen. Suppose that user U1's current salary balance is 20,000 yen. Suppose that the transfer type for the transfer to user U1 is salary transfer. Suppose that the transfer amount for that transfer is 30,000 yen. In this case, adding the transfer amount of 30,000 yen to user U1's current salary balance of 20,000 yen does not exceed the upper limit. Therefore, the entire transfer amount of 30,000 yen is deposited into user U1's salary balance.

[0039] For example, suppose that user U2's current salary balance is 80,000 yen. Suppose that the transfer type for the transfer to user U2 is a bonus transfer. Suppose that the transfer amount for that transfer is 50,000 yen. In this case, adding the transfer amount of 50,000 yen to user U2's current salary balance of 80,000 yen will exceed the upper limit. Therefore, part of the transfer amount, 20,000 yen, is deposited into user U2's salary balance so that the salary balance becomes the upper limit. The remaining portion of the transfer amount that exceeds the upper limit, 30,000 yen, is deposited into user U2's designated account.

[0040] For example, suppose that user U3's current salary balance is 50,000 yen. Suppose that the transfer type for the transfer to user U3 is a general transfer. Suppose that the transfer amount for that transfer is 60,000 yen. In this case, since the transfer type is not a salary transfer or bonus transfer, no deposit is made to user U3's salary balance. Regardless of user U3's current salary balance, the entire transfer amount is deposited into user U3's designated account.

[0041] As described above, the deposit system 1 of the first embodiment determines whether or not it is necessary to deposit electronic money into the salary balance based on the transfer type. If it determines that it is necessary to deposit money into the salary balance, the deposit system 1 executes the deposit into the salary balance. If it determines that it is not necessary to deposit money into the salary balance, the deposit system 1 executes a transfer into the specified account. This allows the deposit system 1 to execute an appropriate deposit into the user's electronic money. Details of the deposit system 1 will be explained below.

[0042] [1-3. Functions realized by the deposit system of the first embodiment] Fig. 6 is a diagram showing an example of functions realized by the deposit system 1 of the first embodiment. Fig. 4 also shows an example of functions realized by each of the workplace system 2, the financial institution system 3, and the user terminal 40.

[0043] [1-3-1. Functions realized by the deposit system] For example, the deposit server 10 includes a data storage unit 100, a transfer information acquisition unit 101, a necessity determination unit 102, an upper limit determination unit 103, a deposit execution unit 104, and a designated account transfer unit 105. The data storage unit 100 is realized by the memory unit 12. The transfer information acquisition unit 101, the necessity determination unit 102, the upper limit determination unit 103, the deposit execution unit 104, and the designated account transfer unit 105 are realized by the control unit 11.

[0044] [Data storage section] The data storage unit 100 stores data necessary for depositing electronic money. For example, the data storage unit 100 stores an electronic money database DB1.

[0045] Fig. 7 is a diagram showing an example of the electronic money database DB1. The electronic money database DB1 is a database in which various information related to electronic money is stored. For example, the electronic money database DB1 stores a user ID, balance information, history information, virtual account information, and designated account information. The electronic money database DB1 only needs to store any information related to electronic money, and the information stored in the electronic money database DB1 is not limited to the example in Fig. 7. For example, a temporary ID included in the code C10 may be stored in the electronic money database DB1.

[0046] The user ID is an example of user identification information capable of identifying a user. Therefore, the section describing "user ID" can be read as "user identification information." The user identification information may be information other than the user ID and is not limited to the user ID. For example, the user identification information may be an email address, a telephone number, or a temporary ID included in the code C10. The user identification information may be information capable of identifying a user in some way. The user identification information may also be electronic money identification information capable of identifying electronic money.

[0047] The balance information is information that indicates the balance of electronic money. In the first embodiment, the balance information indicates each of the salary balance, the premium type balance of the non-salary balance, and the basic type balance of the non-salary balance. Hereinafter, when there is no distinction between these three balances, they will simply be referred to as the balance. The balance information is updated when a deposit is made into the electronic money. The balance information is also updated when the electronic money is used.

[0048] History information is information that indicates the history of each of the deposit and use of electronic money. For example, the history information indicates at least one of the following: the deposit date and time of electronic money, the deposit method, the deposit type, the deposit amount, and the balance after deposit. The history information indicates at least one of the usage date and time of electronic money, the usage location, the usage amount, the balance after usage, and the usage location. The history information is updated when a deposit is made for electronic money. The history information is also updated when electronic money is used.

[0049] The virtual account information is information that indicates a user's virtual account. For example, the virtual account information indicates all or part of the financial institution code, financial institution name, branch code, branch name, account type, account number, and account holder of the virtual account. The virtual account information may also indicate a parent account associated with the virtual account. In the first embodiment, when the user completes the procedure in FIG. 3, the deposit server 10 acquires the virtual account information from the financial institution server 30 or the user terminal 40. The deposit server 10 stores the virtual account information in the electronic money database DB1 so as to be associated with the user ID of the user.

[0050] The designated account information is information that indicates the user's designated account. For example, the designated account information indicates all or part of the financial institution code, financial institution name, branch code, branch name, account type, account number, and account holder of the designated account. In the first embodiment, when the user completes the procedure in FIG. 4, the deposit server 10 generates the designated account information based on the information entered by the user in the input form F15. The deposit server 10 stores the designated account information in the electronic money database DB1 so as to be associated with the user's user ID.

[0051] The data storage unit 100 can store any data. The data stored in the data storage unit 100 is not limited to the electronic money database DB1. For example, the data storage unit 100 may store data necessary for a user to carry out the procedures of Figs. 3 and 4. The data storage unit 100 only needs to store data necessary for the processing executed by the deposit server 10 (for example, the upper limit of the salary balance).

[0052] [Transfer information acquisition section] The transfer information acquisition unit 101 acquires transfer information indicating the transfer type for a transfer in which the user's account number is specified as the transfer destination. In the first embodiment, the transfer information acquisition unit 101 acquires transfer information from the financial institution system 3 of the financial institution. The transfer information indicates at least the transfer type. The transfer information may indicate only the transfer type. The transfer information acquisition unit 101 can acquire transfer information at any timing. For example, the transfer information acquisition unit 101 may acquire transfer information from the financial institution system 3 every time the financial institution system 3 accepts a transfer to a specific account. The transfer information acquisition unit 101 may acquire transfer information from the financial institution system 3 when a specified date and time arrives (for example, payday at the user's workplace or the day before payday).

[0053] For example, the deposit server 10 periodically or irregularly inquires of the financial institution system 3 as to whether or not a transfer has been made to the user's virtual account. When the financial institution system 3 receives an inquiry from the deposit server 10, it determines whether or not a transfer has been made to the user's virtual account based on a transfer database DB3 described below. If the financial institution system 3 determines that a transfer has been made to the user's virtual account, it generates transfer information. The financial institution system 3 transmits the transfer information to the deposit server 10. The transfer information acquisition unit 101 acquires the transfer information from the financial institution system 3. If the financial institution system 3 determines that no transfer has been made to the user's virtual account, it responds to that effect to the deposit server 10.

[0054] For example, when multiple transfers are executed at the same time with the account numbers of multiple users designated as the transfer destinations, the transfer information acquisition unit 101 identifies the transfer type for each of the multiple transfers. In the first embodiment, the user's account number is the number of the user's virtual account at the financial institution. The numbering system for virtual accounts is the same as that of normal real accounts. In the example of the virtual account in FIG. 3, the virtual account is opened at a branch name that can identify electronic money, such as "AAA Cash Branch," but the virtual account may also be opened at a normal branch.

[0055] In the first embodiment, cash in a transfer in which the account number of a user's virtual account is specified as the transfer destination is transferred to a parent account associated with the virtual account. The transfer to the parent account is processed by financial institution server 30. The process itself may be a process adopted for known virtual accounts.

[0056] The transfer information acquisition unit 101 may identify the transfer type based on a character string indicating the details of the transfer (transaction contents) instead of the transfer type in the FB data. For example, the transfer information acquisition unit 101 may identify the transfer type by determining whether or not the character string includes a character string such as "Kyuyo" or "Shoyo." The transfer information acquisition unit 101 may identify a transfer type other than a salary transfer or a bonus transfer. The other transfer type may be an allowance, pocket money, a payment of monthly tuition, or other specific payment.

[0057] [Necessity determination section] The necessity determination unit 102 determines whether or not the user needs to deposit electronic money based on the transfer type specified by the transfer information acquisition unit 101. The necessity of depositing refers to whether or not to execute a deposit. Depositing electronic money is sometimes called charging. For example, the necessity determination unit 102 determines that depositing electronic money is not necessary when the transfer type is not a predetermined type. The necessity determination unit 102 determines that depositing electronic money is necessary when the transfer type is a predetermined type. The predetermined type is not limited to a salary transfer or a bonus transfer as in the first embodiment, but may be any type that is determined in advance. For example, the predetermined type may be a payment such as an allowance, pocket money, or monthly tuition, or any other specific payment.

[0058] In the first embodiment, the necessity determination unit 102 determines that it is not necessary to deposit electronic money if the transfer type does not indicate a salary transfer or a bonus transfer. In other words, the necessity determination unit 102 determines that it is not necessary to deposit electronic money if the transfer type is neither a salary transfer nor a bonus transfer. For example, the necessity determination unit 102 determines that it is not necessary to deposit electronic money if the transfer type indicates a general transfer or if the transfer type is unknown (if the transfer type is not specified or if the transfer type does not exist in the first place).

[0059] In the first embodiment, the necessity determination unit 102 determines that a deposit is necessary when the transfer type indicates a salary transfer or a bonus transfer. In other words, the necessity determination unit 102 determines that a deposit of electronic money is necessary when the transfer type is either a salary transfer or a bonus transfer. Note that, when the deposit system 1 is used for purposes other than salary transfer, the necessity determination unit 102 may determine whether a deposit is necessary by determining whether the transfer type is a predetermined type.

[0060] [Upper limit judgment section] In the first embodiment, an upper limit is set for the deposit balance in electronic money. For example, the deposit balance is a salary balance. The deposit balance is not limited to a salary balance, and may be another balance. For example, if the concept of a salary balance does not exist, the premium balance may correspond to the deposit balance. As another example, the basic balance may correspond to the deposit balance. If the concept of a basic balance and a premium balance does not exist, any balance of electronic money may correspond to the deposit balance.

[0061] When the necessity determination unit 102 determines that a deposit is necessary, the upper limit determination unit 103 determines whether the deposit will cause the salary balance to exceed the upper limit. The upper limit is assumed to be stored in the data storage unit 100. In the first embodiment, an example is given in which the upper limit is the same for all users, but the upper limit may differ depending on the user. The upper limit determination unit 103 calculates the sum of the transfer amount in a transfer to the user's virtual account and the user's current salary balance. The upper limit determination unit 103 determines whether the sum exceeds the upper limit, thereby determining whether the deposit will cause the salary balance to exceed the upper limit.

[0062] [Deposit Execution Department] When the necessity determination unit 102 determines that a deposit is necessary, the deposit execution unit 104 executes a deposit according to the transfer amount in the transfer. A deposit according to the transfer amount is a deposit in which the deposit amount (charge amount) for electronic money is the same as the transfer amount, or a deposit in which the deposit amount is less than the transfer amount. When the necessity determination unit 102 determines that a deposit is unnecessary, the deposit execution unit 104 does not execute the deposit. The method of executing the deposit itself can use a publicly known process. In the case of electronic money such as that of the first embodiment, the deposit may be executed based on a publicly known process used for charging electronic money. The deposit execution unit 104 executes the deposit by updating the balance information stored in the electronic money database DB1. For example, the deposit execution unit 104 executes a deposit into the salary balance when it is determined that a deposit is necessary.

[0063] For example, when the necessity determination unit 102 determines that a deposit is necessary, the deposit execution unit 104 executes a deposit into the electronic money based on the balance of the parent account. In the first embodiment, the holder of the parent account is an electronic money business operator that handles electronic money. The parent account is common to each virtual account of a plurality of users. When the necessity determination unit 102 determines that a deposit is necessary, the deposit execution unit 104 executes a deposit into the electronic money based on the balance of a parent account whose holder is an electronic money business operator and which is common to a plurality of users. The deposit execution unit 104 executes a deposit into the electronic money using the balance of the parent account as a source of funds. The process of depositing electronic money based on an account of a financial institution may be similar to a process used in a known electronic money charge.

[0064] The parent account may be held by someone other than the electronic money business operator that handles electronic money (for example, the user's workplace or a vendor that cooperates with the electronic money business operator). Furthermore, the deposit execution unit 104 may execute a deposit into the electronic money based on an account that is not associated with the virtual account, rather than the parent account. The deposit execution unit 104 may execute a deposit into the electronic money based on an account of a financial institution other than the financial institutions in the financial institution system 3. The deposit execution unit 104 may execute a deposit into the electronic money based on a payment means other than the account.

[0065] For example, when the upper limit determination unit 103 determines that the balance does not exceed the upper limit, the deposit execution unit 104 executes depositing into the electronic money such that the transfer amount in the transfer is deposited into the electronic money. The deposit execution unit 104 deposits the entire transfer amount into the electronic money. Note that, when a fee is incurred when depositing electronic money, the deposit execution unit 104 may execute depositing into the electronic money such that the amount obtained by subtracting the fee from the transfer amount is deposited into the electronic money.

[0066] For example, when the upper limit determination unit 103 determines that the salary balance will exceed the upper limit, the deposit execution unit 104 executes a deposit into the electronic money based on the difference between the current salary balance of the electronic money and the upper limit. The deposit execution unit 104 executes a deposit into the electronic money so that the salary balance of the electronic money increases by the difference. In other words, the deposit execution unit 104 executes a deposit into the electronic money so that the salary balance after the deposit matches the upper limit. The deposit execution unit 104 may also execute a deposit into the electronic money so that the salary balance after the deposit is less than the upper limit.

[0067] [Designated Account Transfer Department] When the necessity determination unit 102 determines that a deposit is not required, the designated account transfer unit 105 executes a designated account transfer process for transferring a part or all of the transfer amount to a designated account designated by the user. The designated account transfer process may be any process related to a transfer to a designated account. For example, the designated account transfer unit 105 executes the designated account transfer process by requesting a financial institution system (e.g., financial institution system 3 or another system) of the designated account or the Japan Bankers Association system to transfer money to the designated account. In the first embodiment, the parent account associated with the user's virtual account is the source of funds for the transfer, so the designated account transfer unit 105 requests the financial institution system 3 to transfer money. FB data may also be used for this transfer.

[0068] The transfer request itself can utilize known processing. In the first embodiment, an example is given in which the designated account transfer unit 105 identifies the user's designated account by referring to the electronic money database DB1, but the designated account transfer unit 105 may identify the user's designated account by referring to another database. In the case where the deposit system 1 is managed by a financial institution, the designated account transfer unit 105 may execute the transfer itself, rather than requesting the transfer from another system.

[0069] For example, the designated account transfer unit 105 executes a designated account transfer process to transfer the amount of the transfer amount that exceeds the upper limit to a designated account designated by the user. The designated account transfer unit 105 executes the designated account transfer process so that the amount obtained by subtracting the amount of the deposit into the electronic money from the amount of the transfer to the user's virtual account is transferred to the designated account. If a transfer fee is incurred, the designated account transfer unit 105 may execute the designated account transfer process so that the amount obtained by subtracting the transfer fee from the amount originally to be received by the user is transferred to the designated account.

[0070] [1-3-2. Functions realized by the workplace system] For example, the work server 20 includes a data storage unit 200 and a transfer request unit 201. The data storage unit 200 is realized by the storage unit 22. The transfer request unit 201 is realized by the control unit 21. The work terminal 24 includes a data storage unit 240, a display control unit 241, and an operation reception unit 242. The data storage unit 200 is realized by the storage unit 26. The display control unit 241 and the operation reception unit 242 are realized by the control unit 25.

[0071] [Data storage section] The data storage unit 200 stores data necessary for transferring funds to the user. For example, the data storage unit 200 stores an employer database DB2. The data storage unit 200 may store data other than the employer database DB2. For example, the data storage unit 200 may store information regarding an employer's account that is the source of funds for transferring funds to the user. The employer's account may be an account at the same financial institution as the financial institution where the user opened a virtual account, or it may be an account at a financial institution different from that financial institution.

[0072] FIG. 8 is a diagram showing an example of the employer database DB2. The employer database DB2 is a database in which various information related to transfers to employees is stored. For example, the employer database DB2 stores employee numbers, names, transfer destination information, transfer amounts, and transfer types. Any information related to transfers may be stored in the employer database DB2, and the information stored in the employer database DB2 is not limited to the example shown in FIG. 7. For example, FB data of transfers made in the past may be stored in the employer database DB2. If a user wishes to receive only a portion of his or her salary digitally, rather than the entire amount, the amount desired by the user may be stored in the employer database DB2. Only the amount may be transferred to the user's virtual account. Any amount exceeding the amount may be transferred to the user's real account.

[0073] The transfer destination information is information related to the transfer destination of an employee. For example, the transfer destination information indicates all or part of the financial institution code, financial institution name, branch code, branch name, account type, account number, and account holder. Some employees do not wish to have their salary paid digitally, so the transfer destination information does not necessarily indicate a virtual account. The transfer destination information may indicate a real account that is not a virtual account. In the first embodiment, a transfer to a user who wishes to have their salary paid digitally is explained, so the transfer destination information indicates the user's virtual account. The transfer amount and transfer type are specified by the person in charge of salary transfers at the workplace.

[0074] [Transfer Request Department] The transfer request unit 201 requests a transfer from the financial institution system 3. For example, the transfer request unit 201 generates FB data based on the transfer destination information, transfer amount, and transfer type stored in the workplace database DB2. The transfer request unit 201 requests a transfer by sending the FB data to the financial institution system 3 or another system (for example, the All-Bank System). The method of requesting a transfer itself can use publicly known processing. For example, the transfer request unit 201 may request a transfer by executing processing similar to the publicly known processing used when a salary is transferred at an employer of a company or the like.

[0075] [Data storage section] The data storage unit 240 stores data necessary for the work of the person in charge of salary transfers at the workplace. For example, the data storage unit 240 stores a tool that enables the person in charge to register the transfer destination information of the user.

[0076] [Display control section] The display control unit 241 causes a screen relating to the salary transfer at the workplace to be displayed on the display unit 29. The person in charge inputs the information of the user's virtual account from that screen.

[0077] [Operation reception section] The operation reception unit 242 receives an operation on the screen displayed by the display control unit 241. Based on the content of the operation, the transfer destination information stored in the workplace database DB2 is updated.

[0078] [1-3-3. Functions realized by financial institution systems] For example, financial institution server 30 includes a data storage unit 300, a virtual account opening unit 301, a transfer acceptance unit 302, and a transfer information transmission unit 303. Data storage unit 300 is realized by memory unit 32. Virtual account opening unit 301, transfer acceptance unit 302, and transfer information transmission unit 303 are realized by control unit 31.

[0079] [Data storage section] The data storage unit 300 stores data necessary for transfers to users. For example, the data storage unit 300 stores a transfer database DB3 and a virtual account database DB4. Note that the data storage unit 300 may store data other than the transfer database DB3 and the virtual account database DB4. For example, the data storage unit 300 may store API data for linking with the deposit system 1.

[0080] Fig. 9 is a diagram showing an example of the transfer database DB3. The transfer database DB3 is a database in which various information relating to transfers to accounts at financial institutions is stored. For example, the transfer database DB3 stores the sender of the FB data, the date and time the FB data was received, and the FB data. The transfer database DB3 only needs to store any information relating to transfers, and the information stored in the transfer database DB3 is not limited to the example of Fig. 9. For example, information relating to transfers accepted from sources other than the workplace may be stored in the transfer database DB3.

[0081] Fig. 10 is a diagram showing an example of a virtual account database DB4. The virtual account database DB4 is a database in which various information related to virtual accounts opened in a financial institution is stored. For example, the virtual account database DB4 stores virtual account information related to a virtual account and parent account information related to a parent account associated with the virtual account. The virtual account database DB4 only needs to store any information related to a virtual account, and the information stored in the virtual account database DB4 is not limited to the example of Fig. 10. For example, the user ID of a user who opened a virtual account may be stored in the virtual account database DB4.

[0082] For example, the virtual account information indicates all or part of the financial institution code, financial institution name, branch code, branch name, account type, account number, and account holder of the virtual account. The parent account information indicates all or part of the financial institution code, financial institution name, branch code, branch name, account type, account number, and account holder of the parent account. When a user opens a virtual account, the virtual account opening unit 301 generates virtual account information for the virtual account, associates it with the parent account information, and stores it in the virtual account database DB4. One parent account is associated with at least one virtual account. The association between the parent account and the virtual account is defined by the virtual account information and parent account information in the virtual account database DB4.

[0083] [Virtual Account Opening Department] The virtual account opening unit 301 opens a virtual account for a user. For example, the virtual account opening unit 301 opens a virtual account when it receives a predetermined request from the user terminal 40 (in the first embodiment, a request in the flow of FIG. 3). The method for opening a virtual account may be a publicly known method. The virtual account opening unit 301 issues an account number for a virtual account of a certain user so that the account number does not overlap with the account numbers of other accounts. When the virtual account opening unit 301 issues a virtual account, it updates the virtual account database DB4.

[0084] [Transfer Reception Department] The transfer reception unit 302 receives a transfer request from the workplace system 2. For example, the transfer reception unit 302 receives the transfer request by receiving FB data from the workplace system 2. The transfer reception unit 302 may receive a transfer request from a system other than the workplace system 2, an ATM, or the like.

[0085] [Transfer information sending section] The transfer information transmitting unit 303 transmits the transfer information to the deposit system 1. For example, when the transfer information transmitting unit 303 receives a request for transfer information from the deposit system 1, it generates the transfer information based on the transfer database DB3. The transfer information transmitting unit 303 generates the transfer information based on all or part of the FB data stored in the transfer database DB3. The transfer information transmitting unit 303 transmits the transfer information to the deposit system 1.

[0086] [1-3-4. Functions realized on user terminals] The user terminal 40 includes a data storage unit 400, a display control unit 401, and an operation reception unit 402. The data storage unit 400 is realized by the storage unit 42. The display control unit 401 and the operation reception unit 402 are realized by the control unit 41.

[0087] [Data storage section] The data storage unit 400 stores data necessary for the procedure of digital salary payment. For example, the data storage unit 400 stores a payment application or a browser for displaying each screen such as the payment application screen SC1.

[0088] [Display control section] The display control unit 401 causes the display unit 45 to display each screen such as the payment application screen SC1 based on the payment application or browser stored in the data storage unit 400.

[0089] [Operation reception section] The operation reception unit 402 receives operations for various screens displayed by the display control unit 401 .

[0090] [1-4. Processing executed in the deposit system of the first embodiment] Figures 11 and 12 are diagrams showing an example of the process executed in the deposit system 1 of the first embodiment. Figures 11 and 12 also show an example of the process executed in each of the workplace system 2, the financial institution system 3, and the user terminal 40. The process in Figures 11 and 12 is executed by the control units 11, 21, 31, and 41 operating in accordance with the programs stored in the storage units 12, 22, 32, and 42, respectively.

[0091] As shown in FIG. 11, the user terminal 40 starts the payment application and executes processing to open a virtual account for the user with the financial institution server 30 (S100). The processing in S100 is as described with reference to FIG. 3. The financial institution may grant multiple virtual accounts to the electronic money business operator in advance. In this case, when a user applies for the opening of a virtual account with the payment application, the deposit server 10 may allocate the virtual account to the user. The account opening processing may be executed with the financial institution server 30 via the deposit server 10.

[0092] When a virtual account for the user is opened in S100, information about the virtual account is registered in the electronic money database DB1 and the virtual account database DB4. The user terminal 40 executes processing for registering a designated account with the deposit server 10 (S101). The processing in S101 is as described with reference to FIG. 4. Information about the user's designated account is registered in the electronic money database DB1. When the user applies for a transfer destination at their workplace, the person in charge of transfers at the workplace operates the workplace terminal 24 to register the transfer destination information in the transfer database DB3.

[0093] When the transfer date of the salary or bonus at the workplace approaches, the workplace server 20 generates FB data based on the workplace database DB2 (S102). The person in charge at the workplace registers the details of the salary or bonus in advance in the transfer database DB3. The person in charge also registers the details of general transfers such as advance payments in the transfer database DB3 in advance. The workplace server 20 transmits the FB data to the financial institution server 30 (S103). The financial institution server 30 receives the FB data from the workplace server 20 and executes the transfer (S104). In S104, the transfer database DB3 is updated. Cash transferred to the user's virtual account is deposited in the parent account for the time being.

[0094] The deposit server 10 uses an API to request transfer information from the financial institution server 30 (S105). Since the financial institution server 30 handles various types of transfers, the deposit server 10 requests transfer information for a transfer to the virtual account of the "AAA Cash Branch." When the financial institution server 30 accepts the request from the deposit server 10 (S106), it generates transfer information based on the transfer database DB3 (S107). The financial institution server 30 transmits the transfer information to the deposit server 10 (S108). The deposit server 10 receives the transfer information from the financial institution server 30 (S109). If multiple users wish to have their salaries paid digitally, the deposit server 10 receives the transfer information for each of the multiple users in S109.

[0095] The deposit server 10 judges whether or not a deposit into electronic money is necessary based on the transfer type indicated by the transfer information (S110). If it is judged that a deposit into electronic money is necessary (the transfer type is a salary transfer or a bonus transfer) (S110: Necessary), the deposit server 10 judges whether or not the user's salary balance exceeds the upper limit based on the electronic money database DB1 (S111). If it is not judged that the user's salary balance exceeds the upper limit (S111: N), the deposit server 10 executes a deposit into electronic money based on the electronic money database DB1 so that the entire transfer amount is deposited into the salary balance (S112), and proceeds to the process of S116 described below. Since the source of the deposit is the balance of the parent account in the financial institution, the process of S112 is executed by the deposit server 10 in cooperation with the financial institution server 30.

[0096] If it is determined in S111 that the user's salary balance exceeds the upper limit (S111: Y), the process moves to FIG. 12, where the deposit server 10 executes a deposit of electronic money based on the electronic money database DB1 so that only a portion of the transfer amount is deposited (S113). The source of the deposit is the balance of the parent account in the financial institution, so the process of S113 is executed by the deposit server 10 in cooperation with the financial institution server 30. The deposit server 10 refers to the electronic money database DB1 to identify a designated account, and executes a transfer so that the amount exceeding the upper limit is deposited in the designated account (S114). The source of the transfer is the balance of the parent account in the financial institution, so the process of S114 is executed by the deposit server 10 in cooperation with the financial institution server 30. Note that if the user's salary balance has reached the upper limit at the time of S111, the process of S113 is not executed, and the transfer of the entire amount of the transfer amount is executed in the process of S114.

[0097] If it is determined in S110 that no electronic money deposit is required (S110:N), the deposit server 10 refers to the electronic money database DB1 to identify the designated account, and executes the transfer so that the entire transfer amount is transferred to the designated account (S115). Since the source of the transfer is the balance of the parent account at the financial institution, the process of S115 is executed by the deposit server 10 in cooperation with the financial institution server 30. The deposit server 10 determines whether or not there is a transfer that has not yet been processed (S116). If it is determined that there is a transfer that has not yet been processed (S116:Y), the process returns to S110. If it is determined that there is no transfer that has not yet been processed (S116:N), this process ends.

[0098] [1-5. Summary of the first embodiment] The deposit system 1 of the first embodiment determines whether or not a deposit is required for electronic money based on the transfer type indicated by the transfer information. When it is determined that a deposit is required, the deposit system 1 executes a deposit according to the transfer amount in the transfer. This allows the deposit system 1 to execute an appropriate deposit for electronic money. For example, when the deposit type for electronic money is inappropriate, the deposit system 1 can prevent an inappropriate deposit from being executed by determining that a deposit is not required. When the deposit type for electronic money is appropriate, the deposit system 1 can execute an appropriate deposit by determining that a deposit is required.

[0099] Furthermore, the deposit system 1 acquires transfer information from the financial institution system 3. The deposit system 1 executes the deposit when it is determined that a deposit is necessary. In this way, the deposit system 1 can realize a mechanism for executing appropriate deposits into electronic money by utilizing a virtual account mechanism. For example, an electronic money business operator can safely manage funds before deposit into electronic money in a parent account.

[0100] Furthermore, when it is determined that a deposit is necessary, the deposit system 1 executes the deposit based on the balance of a parent account whose account holder is an electronic money business operator that handles electronic money and which is common to multiple users. This allows the electronic money business operator to manage transfers from the user's workplace in the parent account whose account holder is the electronic money business operator. For example, this makes it easier for the electronic money business operator to manage funds that are the subject of digital salary payments.

[0101] Furthermore, the deposit system 1 determines that a deposit is not required if the transfer type does not indicate a salary transfer or a bonus transfer. The deposit system 1 determines that a deposit is required if the transfer type indicates a salary transfer or a bonus transfer. This allows the deposit system 1 to execute appropriate deposits in digital salary payments by distinguishing between salary and non-salary into the user's electronic money. For example, the deposit system 1 can prevent deposits other than salary from occurring into the salary balance. The deposit system 1 can prevent salary deposits from occurring into balances other than the salary balance (for example, basic balances that cannot be withdrawn).

[0102] Furthermore, when the deposit system 1 determines that a deposit is necessary, it executes the deposit into the salary balance out of the salary balance and the non-salary balance. This allows the user to manage the salary balance and the non-salary balance separately, improving user convenience. For example, when the user terminal 40 displays the salary balance and the non-salary balance separately, it becomes easier for the user to manage the salary balance and the non-salary balance.

[0103] Furthermore, when it is determined that a deposit is not necessary, the deposit system 1 executes a designated account transfer process for transferring a part or all of the transfer amount in the transfer to a designated account designated by the user. In this way, the deposit system 1 can allow the user to receive funds that the user should receive through the designated account. For example, the deposit system 1 can exclude the non-salary portion of the transfer in advance. The deposit system 1 can reliably deposit as electronic money only those transfers whose transfer type is a salary transfer or a bonus transfer. For example, when a salary transfer is made at an ATM, the person in charge at the workplace cannot select the transfer type. For this reason, salary transfers made at an ATM may be uniformly treated as "non-salary (general)". In this case, if electronic money is granted as non-salary, it may become impossible to properly manage what should originally be salary. Therefore, the deposit system 1 transfers to the user's designated account without granting electronic money based on non-salary. The deposit system 1 provides a mechanism for granting electronic money based on salary, thereby enabling more appropriate management of electronic money.

[0104] Furthermore, when it is determined that a deposit is necessary, the deposit system 1 determines whether or not the deposit will cause the balance to exceed the upper limit. When it is determined that the balance will not exceed the upper limit, the deposit system 1 executes the deposit so that the transfer amount in the transfer is deposited into the electronic money. This allows the deposit system 1 to set a limit on the electronic money salary balance. For example, the deposit system 1 can ensure that the salary balance does not exceed a rule set by the government or administration, etc. When the guarantee amount that the electronic money business operator should guarantee is determined by the upper limit of the salary balance, the deposit system 1 can set the guarantee amount to an appropriate amount by setting the upper limit so as to provide an appropriate compensation amount.

[0105] Furthermore, when it is determined that the salary balance will exceed the upper limit, the deposit system 1 executes a deposit based on the difference between the current electronic money salary balance and the upper limit. The deposit system 1 executes a designated account transfer process to transfer the amount of the transfer amount that exceeds the upper limit to a designated account specified by the user. This prevents the user from being unable to receive the amount that exceeds the upper limit. For example, the deposit system 1 can properly manage the salary limit.

[0106] [2. Second embodiment] In the first embodiment, an example is given of a case where the deposit system 1 realizes digital salary payment by utilizing a user's virtual account. The method of realizing digital salary payment is not limited to the example of the first embodiment. The deposit system 1 may realize digital salary payment by other methods. In the second embodiment, an example is given of a case where the deposit system 1 realizes digital salary payment in cooperation with a vendor system of a vendor that develops financial software. The vendor is a company that is affiliated with an electronic money business operator that handles electronic money. Note that in the second embodiment, explanations of configurations similar to those in the first embodiment will be omitted.

[0107] Fig. 13 is a diagram showing an example of a system configuration in the second embodiment. As shown in Fig. 13, in the second embodiment, the deposit system 1 is communicably connected to a vendor system 5 via a network N. For example, the vendor system 5 includes a vendor server 50. Note that the vendor system 5 is not limited to the example of Fig. 1 as long as it includes at least one computer. This is similar to the deposit system 1.

[0108] For example, the vendor server 50 is a server computer of a vendor. The vendor server 50 includes a control unit 51, a storage unit 52, and a communication unit 53. The hardware configurations of the control unit 51, the storage unit 52, and the communication unit 53 may be similar to those of the control unit 11, the storage unit 12, and the communication unit 13, respectively. Note that the program stored in the storage unit 52 may be provided to the vendor server 50 via the network N or an information storage medium.

[0109] [2-1. Overview of the deposit system in the second embodiment] FIG. 14 is a diagram showing an example of the outline of the deposit system 1 in the second embodiment. In the second embodiment, the account number used for transfers to a user is a vendor-issued number issued by a vendor. The vendor-issued number may also be called by other names such as a virtual account number. The vendor-issued number is a number solely for the purpose of transfers. The issuance of a vendor-issued number does not necessarily mean that an account will be opened at a financial institution.

[0110] For example, the vendor-issued number has the same numbering system as an account at a financial institution. The vendor-issued number includes a code equivalent to the financial institution code, a code equivalent to the branch code, and a number equivalent to the account number. The number of digits for these is also the same as for an account at a financial institution. It is possible to identify the vendor-issued number by some of the digits. Note that the vendor-issued number may have a numbering system different from that of an account at a financial institution. The vendor-issued number itself may be a publicly known number.

[0111] The overall flow in the second embodiment is generally similar to the overall flow in the first embodiment. However, the overall flow in the second embodiment differs from the overall flow in the first embodiment in that a vendor-issued number is used instead of an account number of a virtual account. For example, a user operates a user terminal 40 to access a vendor server 50 instead of a financial institution server 30 and issue his / her own vendor-issued number. The flow of issuing a vendor-issued number may be the same as the flow in FIG. 3, and the process in which the financial institution server 30 issues an account number of a virtual account may be replaced with the process in which the vendor server 50 issues a vendor-issued number.

[0112] The process by which the vendor server 50 issues a vendor-issued number can use a known process. When the vendor server 50 accepts a request to issue a vendor-issued number from the user terminal 40 of a certain user, the vendor server 50 issues a vendor-issued number so that the vendor-issued number does not overlap with the vendor-issued numbers of other users. The vendor server 50 transmits the issued vendor-issued number to the user terminal 40. The vendor server 50 may transmit the issued vendor-issued number to the workplace system 2 together with user identification information such as the user's employee number.

[0113] For example, to realize digital salary payment using a vendor-issued number, a source of funds for depositing a user's electronic money is required. In the second embodiment, it is assumed that the electronic money business operator has opened an account in a financial institution to pool the source of funds. Hereinafter, the account is referred to as a vendor-related account. When there are multiple users who wish to have their salary paid digitally at a workplace, the vendor-related account is common to the multiple users. For example, the account holder of the vendor-related account is the electronic money business operator. The vendor-related account may be common to multiple workplaces, or a vendor-related account may be opened for each workplace.

[0114] For example, when a user issues his / her own vendor-issued number, he / she applies for a transfer destination to his / her employer. The person in charge of salary transfers at the employer operates the employer terminal 24 to register the user's vendor-issued number in the employer server 20. When the time for transfer approaches, such as payday or bonus day, the employer server 20 generates FB data in the same manner as in the first embodiment. The FB data in the second embodiment includes the vendor-issued number instead of the account number of the virtual account.

[0115] For example, the financial institution server 30 acquires the FB data for the financial institution out of the FB data for all employees of the workplace. The cooperation between the deposit server 10 and the financial institution server 30 may be the same as in the first embodiment, and is therefore omitted in FIG. 14. The vendor server 50 acquires the FB data for all employees of the workplace for which a vendor-issued number is specified. The deposit server 10 uses an API to request transfer information from the vendor server 50. When the vendor server 50 accepts the request from the deposit server 10, it generates transfer information based on the FB data. The vendor server 50 transmits the transfer information to the deposit server 10.

[0116] Subsequent processing may be the same as in the first embodiment, but in the second embodiment, the deposit server 10 checks in advance whether an error will occur. For example, the deposit server 10 performs a determination in advance as to whether the upper limit of the salary balance will be exceeded or whether it is a general transfer. The deposit server 10 transmits the error determination result to the vendor server 50. When the vendor server 50 receives the error determination result from the deposit server 10, it transfers the error determination result to the workplace system 2.

[0117] For example, a person in charge of salary transfers at an employer will amend the FB data as necessary. The flow after the FB data has been amended is the same as the flow when the FB data was initially generated. The old FB data is discarded. If the person in charge thinks that amendment to the FB data is unnecessary, they will not amend the FB data. The person in charge may also forget to amend the FB data. In such a case, the financial institution system 3 may choose not to receive the FB data, or may choose to receive the same FB data again.

[0118] In the second embodiment, an electronic money business that handles electronic money opens its own account at a financial institution. The user's employer transfers a deposit to the electronic money business's account. Instead of a deposit, the user's employer may transfer the total amount to the electronic money business's account each time a salary transfer occurs. Deposits into the user's electronic money or designated account are made from the balance of the electronic money business's account. In the second embodiment, digital salary payment is realized through the above flow.

[0119] [2-2. Functions realized by the deposit system of the second embodiment] Fig. 15 is a diagram showing an example of functions realized by the deposit system 1 of the second embodiment. Fig. 15 also shows an example of functions realized by each of the workplace system 2, the vendor system 5, and the user terminal 40. In the second embodiment, the description of the same functions as in the first embodiment will be omitted.

[0120] In FIG. 15, the functions of the financial institution system 3 are omitted, but the financial institution system 3 may have the functions described in the first embodiment. That is, the first embodiment and the second embodiment may be combined. In this case, the user may be able to select whether to open a virtual account or to issue a vendor-issued number. In other cases, for example, one workplace may use the virtual account method (method of the first embodiment) and another workplace may use the vendor method (method of the second embodiment), and both methods may be mixed. The deposit system 1 may be compatible with both methods.

[0121] [2-2-1. Functions realized by the deposit system] For example, the deposit system 1 of the second embodiment includes an error determination unit 106, a correction request unit 107, a deposit determination unit 108, and a transfer determination unit 109. Each of the error determination unit 106, the correction request unit 107, the deposit determination unit 108, and the transfer determination unit 109 is realized by the control unit 11.

[0122] [Data storage section] In the second embodiment, a vendor-issued number is stored in the electronic money database DB1 instead of the virtual account information in FIG. 7. For example, when a vendor-issued number is issued to a user, the deposit server 10 stores the vendor-issued number in the electronic money database DB1 in association with the user ID of the user. Other configurations of the electronic money database DB1 are similar to those of the first embodiment. The data storage unit 100 in the second embodiment may store data that can identify whether each workplace is subject to a deposit, which will be described later, or to a one-time transfer, which will be described later.

[0123] [Transfer information acquisition section] The transfer information acquisition unit 101 of the second embodiment acquires transfer information from the vendor system 5 of the vendor. For example, the vendor system 5 spontaneously transmits transfer information to the deposit system 1. The transfer information acquisition unit 101 acquires the transfer information from the vendor system 5. That is, the transfer information acquisition unit 101 may acquire the transfer information transmitted from the vendor system 5 instead of going to the vendor system 5 to acquire the transfer information by itself. The deposit server 10 may periodically or irregularly inquire of the vendor system 5 whether or not a transfer has been made to the user's vendor-issued number. When the vendor system 5 receives an inquiry from the deposit server 10, it transmits transfer information related to the user's vendor-issued number to the deposit server 10 based on the vendor database DB6 described later.

[0124] For example, the vendor system 5 receives transfer information from the work server 20 and transmits the transfer information to the deposit server 10. The transfer information acquisition unit 101 acquires the transfer information from the vendor system 5. If the vendor system 5 has not received the transfer information from the work server 20, it responds to that effect to the deposit server 10.

[0125] For example, the transfer information acquisition unit 101 may acquire the transfer information from the vendor system 5 before the scheduled date of the transfer. The scheduled date can also be called the reservation date for the transfer. For example, for a salary transfer, it is the 25th of each month. The scheduled date of the transfer is specified in the FB data. The transfer information acquisition unit 101 acquires the transfer information from the vendor system 5 on the day before the scheduled date or on a day earlier. The date and time when the transfer information is acquired may be determined in advance. The transfer information acquisition unit 101 may acquire the transfer information on the scheduled date.

[0126] [Error detection section] The error determination unit 106 determines whether or not an error related to the transfer will occur before the scheduled date based on the transfer information. The error condition corresponding to the error may be determined in advance. The error condition may be a condition that can be determined based on the transfer information. For example, the error condition is a condition that can be determined based on the sender's name, the transfer destination, the transfer type, and the transfer amount. The error determination unit 106 determines whether or not the error condition is satisfied based on the transfer information. If the error condition is not determined to be satisfied, the error determination unit 106 determines that an error will not occur. If the error condition is determined to be satisfied, the error determination unit 106 determines that an error will occur.

[0127] In the second embodiment, as an example of an error condition, the salary balance exceeds the upper limit and the transfer type is not a salary transfer or a bonus transfer will be described. That is, an example of an error is when a deposit into electronic money cannot be executed or only a part of the transfer amount can be deposited into electronic money. For example, the error determination unit 106 determines whether the salary balance of the user has already exceeded the upper limit or whether the transfer amount will exceed the upper limit if it is transferred based on the salary balance of the user and the transfer amount in the transfer. If it is determined that the salary balance of the user does not exceed the upper limit, the error determination unit 106 determines that an error does not occur. If it is determined that the salary balance of the user exceeds the upper limit, the error determination unit 106 determines that an error occurs.

[0128] For example, the error determination unit 106 determines whether the transfer type in the transfer to the user's vendor-issued number is a salary transfer or a bonus transfer. If the error determination unit 106 determines that the transfer type is a salary transfer or a bonus transfer, it determines that an error has not occurred. If the error determination unit 106 determines that the transfer type is not a salary transfer or a bonus transfer, it determines that an error has occurred.

[0129] The error determination unit 106 may combine the above determinations. For example, the error determination unit 106 may determine that an error does not occur if the salary balance does not exceed the upper limit and the transfer type is a salary transfer or a bonus transfer. The error determination unit 106 may determine that an error occurs if the salary balance exceeds the upper limit or the transfer type is neither a salary transfer nor a bonus transfer.

[0130] Furthermore, the error condition may be any condition and is not limited to the above examples. For example, the error condition may be that the vendor-issued number is invalid, that the transfer amount is equal to or greater than a threshold, that the name of the person requesting the transfer is not a specified name, or other conditions. For example, the error condition may be whether or not the deposit determined by the deposit determination unit 108 described below is sufficient, or whether or not the amount determined by the transfer determination unit 109 described below is sufficient. In this case, the error determination unit 106 has the same function as the deposit determination unit 108 or the transfer determination unit 109.

[0131] [Correction Request Department] When the error determination unit 106 determines that an error will occur, the correction request unit 107 executes a correction request process to request the correction of the error in the transfer. The correction request process may be any process for directly or indirectly requesting the details of the transfer from the requester in some form. In the second embodiment, the correction request process is exemplified by a case in which the deposit server 10 transmits a predetermined notice to the vendor server 50, but the correction request process may also be a process in which the deposit server 10 transmits a predetermined notice to the workplace server 20 or another computer. For example, when the error determination unit 106 determines that an error will occur, the correction request unit 107 transmits a notice indicating the contents of the error to the vendor server 50. The notice includes information that can identify the transfer determined to have an error.

[0132] [Deposit Judgment Section] For example, if a deposit is made by a transfer requester to a vendor-related account before the transfer information is accepted, the deposit determination unit 108 determines whether or not the deposit is sufficient based on the transfer information. A sufficient deposit means that the total amount of the deposit is equal to or greater than the total amount of the transfer amounts in the transfer. The deposit determination unit 108 requests the financial institution server 30 to inquire about the balance of the vendor-related account (total amount of deposit). When the financial institution server 30 accepts the inquiry request, it transmits information indicating the balance of the vendor-related account to the deposit server 10. The deposit server 10 receives the information from the financial institution server 30. The deposit determination unit 108 determines whether or not the deposit is sufficient by comparing the total amount of deposits indicated by the information with the total amount of transfer amounts in the current transfer.

[0133] [Transfer Judgment Section] For example, in the case where the transfer requester transfers an amount corresponding to the transfer to a vendor-related account after the transfer information is accepted, the transfer judgment unit 109 judges whether or not the amount has been transferred to the vendor-related account. The transfer judgment unit 109 requests the financial institution server 30 to inquire about the details of the vendor-related account. When the financial institution server 30 accepts the inquiry request, it transmits information indicating the details of the vendor-related account to the deposit server 10. The deposit server 10 receives the information from the financial institution server 30. The transfer judgment unit 109 judges whether or not the transfer has been made by comparing the transfer history indicated by the information with the total amount of the transfer amount and the requester's name for this transfer. If they do not match, the transfer judgment unit 109 does not judge that the transfer has been made, and if they match, it judges that the transfer has been made.

[0134] [Deposit Execution Department] The deposit execution unit 104 of the second embodiment executes a deposit into electronic money when the necessity determination unit 102 determines that a deposit is necessary. This embodiment differs from the first embodiment in that the source of funds for the deposit is a vendor-related account rather than a parent account, but other points are similar to the first embodiment. The deposit execution unit 104 executes a deposit into the user's electronic money using the balance of the vendor-related account as the source of funds.

[0135] For example, when the deposit determination unit 108 determines that the deposit is sufficient, the deposit execution unit 104 executes the deposit of electronic money. When the deposit determination unit 108 does not determine that the deposit is sufficient, the deposit execution unit 104 does not execute the deposit based on the deposit.

[0136] For example, if the transfer determination unit 109 determines that an amount has been transferred to the vendor-related account, the deposit execution unit 104 executes a deposit of electronic money based on the balance of the vendor-related account. If the transfer determination unit 109 does not determine that an amount has been transferred to the vendor-related account, the deposit execution unit 104 does not execute a deposit based on the balance of the vendor-related account.

[0137] [2-2-2. Functions realized by the vendor system] For example, the vendor server 50 includes a data storage unit 500, a number issuing unit 501, a transfer receiving unit 502, and a transfer information transmitting unit 503. The data storage unit 500 is realized by the memory unit 52. The number issuing unit 501, the transfer receiving unit 502, and the transfer information transmitting unit 503 are realized by the control unit 51.

[0138] [Data storage section] The data storage unit 500 stores data necessary for transfers to users. For example, the data storage unit 500 stores a transfer database DB5 and a vendor database DB6. The transfer database DB5 is generally similar to the transfer database DB3, and is therefore not shown in the figure. However, the transfer destination of the FB data stored in the transfer database DB5 is not a virtual account as in the first embodiment, but a vendor-issued number. In other respects, the transfer database DB5 is similar to the transfer database DB3.

[0139] FIG. 16 is a diagram showing an example of the vendor database DB6. The vendor database DB6 is a database in which various information for realizing a transfer via a vendor is stored. For example, the vendor database DB6 stores a vendor-issued number, a user's name, date of birth, and address. The information stored in the vendor database DB6 is not limited to the example in FIG. 16, as long as any information related to the vendor-issued number is stored in the vendor database DB6. For example, information about the place of employment may be stored in the vendor database DB6.

[0140] [Number issuing department] The number issuing unit 501 issues a vendor-issued number for a user. For example, the number issuing unit 501 issues a vendor-issued number when a predetermined request is received from the user terminal 40. The method of issuing the vendor-issued number itself may be a publicly known method. The number issuing unit 501 issues a vendor-issued number for a certain user so that the number does not overlap with other vendor-issued numbers. When the number issuing unit 501 issues a vendor-issued number, it stores the vendor-issued number, the user's name, date of birth, and address in the vendor database DB6.

[0141] [Transfer Reception Department] The transfer reception unit 502 receives the transfer information from the workplace system 2. For example, the transfer reception unit 502 receives the transfer information by receiving FB data from the workplace system 2. The transfer reception unit 502 may receive the transfer information from a system other than the workplace system 2, an ATM, or the like.

[0142] [Transfer information sending section] The transfer information transmitting unit 503 transmits the transfer information to the deposit system 1. For example, when the transfer information transmitting unit 503 receives a request for transfer information from the deposit system 1, it transmits the transfer information based on the vendor database DB6. The transfer information transmitting unit 503 transmits the transfer information based on all or part of the FB data stored in the transfer database DB5. The transfer information transmitting unit 503 transmits the transfer information to the deposit system 1. The transfer information transmitting unit 503 may transmit the transfer information received from the workplace system 2 as is, or may convert the information into another format before transmitting it.

[0143] [2-3. Processing executed in the deposit system of the second embodiment] Figures 17 and 18 are diagrams showing an example of the process executed in the deposit system 1 of the second embodiment. Figures 17 and 18 also show an example of the process executed in each of the employer system 2, the financial institution system 3, the vendor system 5, and the user terminal 40. The process in Figures 17 and 18 is executed by the control units 11, 21, 31, 41, and 51 operating in accordance with the programs stored in the storage units 12, 22, 32, 42, and 52, respectively.

[0144] As shown in FIG. 17, the user terminal 40 starts the payment application and executes processing to issue a vendor-issued number for the user with the vendor server 50 (S200). When the vendor-issued number for the user is issued in S200, information on the vendor-issued number is registered in the electronic money database DB1 and the vendor database DB6. The processing in S201 is the same as the processing in S101. When the user applies for a transfer destination at their workplace, the person in charge of transfers at the workplace operates the workplace terminal 24 to register the transfer destination information in the workplace server 20.

[0145] The work server 20 transmits the FB data to the vendor server 50 (S203). The vendor server 50 receives the FB data from the work server 20 and stores the FB data in the transfer database DB5 (S204). In S204, the transfer database DB5 is updated. The deposit server 10 requests the transfer information from the vendor server 50 using the API (S205). When the vendor server 50 receives the request from the deposit server 10 (S206), it generates the transfer information based on the transfer database DB5 (S207). The vendor server 50 transmits the transfer information to the deposit server 10 (S208). The deposit server 10 receives the transfer information from the vendor server 50 (S209). When multiple users wish to have their salary paid digitally, the deposit server 10 receives the transfer information of each of the multiple users in S209.

[0146] The deposit server 10 judges whether an error occurs based on the transfer information (S210). If it is not judged that an error occurs (S210:N), the process proceeds to the process of S223 described below. If it is judged that an error occurs in S210 (S210:Y), the deposit server 10 requests the vendor server 50 to correct the FB data (S211). When the vendor server 50 accepts the request (S212), it requests the work server 20 to correct the FB data (S213). The work server 20 accepts the request (S214).

[0147] 18, the work server 20 accepts the correction of the FB data by the person in charge at the work (S215). The work server 20 transmits the corrected FB data to the vendor server 50 (S216). The vendor server 50 receives the corrected FB data from the work server 20 (S217). The following steps S218 to S222 are similar to S205 to S209, respectively. The following steps S223 to S229 are similar to S110 to S116, respectively. Note that the timing at which the transfer information is generated based on the transfer database DB5 is not limited to the above example. The timing may be any other appropriate timing. For example, the transfer information may be generated after error determination, error correction, etc. are completed.

[0148] [2-4. Summary of the second embodiment] The deposit system 1 of the second embodiment acquires transfer information from the vendor system 5. When it is determined that a deposit into electronic money is necessary, the deposit system 1 executes the deposit based on the balance of the vendor-related account associated with the vendor-issued number. In this way, the deposit system 1 can realize a mechanism for executing an appropriate deposit into electronic money by utilizing the mechanism of the vendor-issued number. For example, a user who is reluctant to open a virtual account at a financial institution can receive a salary or bonus in electronic money by utilizing the method of the vendor-issued number.

[0149] Furthermore, the deposit system 1 acquires transfer information from the vendor system 5 before the scheduled date of the transfer. The deposit system 1 determines whether or not an error related to the transfer will occur based on the transfer information before the scheduled date. If it is determined that an error will occur, the deposit system 1 executes a correction request process to request correction of the error in the transfer. The correction request process makes it less likely that an error will occur.

[0150] Furthermore, the deposit system 1 judges whether or not the deposit is sufficient based on the transfer information. If it is judged that the deposit is sufficient, the deposit system 1 executes the deposit. The deposit system 1 can prevent a shortage of funds for depositing electronic money.

[0151] The deposit system 1 also determines whether the amount has been transferred to the vendor-related account. If it is determined that the amount has been transferred to the vendor-related account, the deposit system 1 executes the deposit. The deposit system 1 can prevent a shortage of funds for depositing electronic money.

[0152] [3. Modifications] The present disclosure is not limited to the above-described embodiment. The present disclosure can be modified as appropriate without departing from the spirit of the present disclosure. In the following modified examples, the case where the digital salary payment in the modified example is realized by the method of the first embodiment is given as an example, but the digital salary payment in the modified example may be realized by the method of the second embodiment.

[0153] Fig. 19 is a diagram showing an example of functions in the modified example. As shown in Fig. 19, the deposit server 10 includes a first notification unit 110, a display control unit 111, a second notification unit 112, a setting reception unit 113, a third notification unit 114, and an appropriate amount presentation unit 115. Each of the first notification unit 110, the display control unit 111, the second notification unit 112, the setting reception unit 113, the third notification unit 114, and the appropriate amount presentation unit 115 is realized by the control unit 11.

[0154] [3-1. Variation 1] For example, when a transfer to a user's designated account is executed, the user may mistakenly believe that they have not received their salary or the like because the money has not been deposited into their electronic money. For this reason, the user may be notified that a transfer to the user's designated account has been executed. The deposit system 1 of the first modification includes a first notification unit 110. When a designated account transfer process is executed, the first notification unit 110 notifies the user of the execution of the designated account transfer process.

[0155] 20 is a diagram showing an example of a notification regarding the execution of a designated account transfer process. For example, the first notification unit 110 performs the notification by displaying a message M17 indicating that the designated account transfer process has been executed on the payment application screen SC1 of the payment application. The first notification unit 110 may perform the notification to the user based on any notification means. For example, the first notification unit 110 may perform the notification to the user based on a notification function in the payment application, email, SMS, push notification, banner notification, or other notification means.

[0156] For example, the first notification unit 110 determines whether or not a designated account transfer process has been executed. When it is determined that a designated account transfer process has been executed, the first notification unit 110 notifies the user. It is assumed that data necessary for the notification is stored in the data storage unit 100. The notification may include any information. For example, the notification may include the name of the person requesting the transfer, the transfer date and time, the transfer amount, or a combination of these, in addition to information indicating that a designated account transfer process has been executed. The notification may include information similar to information that can be viewed by the user on a known financial app or website.

[0157] When a designated account transfer process is executed, the deposit system 1 of the first modification notifies the user of the execution of the designated account transfer process. This allows the user to realize that the designated account transfer process has been executed. For example, even if the user's salary has been paid digitally, the user can be prevented from mistakenly thinking that the payment of the salary has not been made because the electronic money salary balance has not increased. The user can realize that the user's salary has been paid by the transfer to the designated account.

[0158] [3-2. Variation 2] For example, when a designated account transfer process is executed, the fact that the designated account transfer process has been executed may be displayed on a balance management screen for managing the balance of electronic money, rather than a notification as in Modification 1. The deposit system 1 of Modification 2 includes a display control unit 111. When a designated account transfer process is executed, the display control unit 111 displays on a balance management screen for managing the balance of the payment means that the designated account transfer process has been executed.

[0159] FIG. 21 is a diagram showing an example of a balance management screen. In the second modification, when the user selects the button B12 on the payment application screen SC1, the balance management screen SC3 is displayed. However, the balance management screen SC3 may be displayed when another operation is performed. The balance management screen SC3 may be displayed when the user performs an operation to display the balance management screen SC3. Data required for displaying the balance management screen SC3 is stored in the data storage unit 100. For example, data showing the history of deposits to the user's designated account is stored in the electronic money database DB1 or another database. When a transfer to the user's designated account is performed, the deposit server 10 acquires data showing the history of the transfer from the financial institution server 30 and records the data in the data storage unit 100.

[0160] For example, when a user selects button B12, the user terminal 40 sends a display request for the balance management screen SC3 to the deposit server 10. The deposit server 10 receives the display request for the balance management screen SC3 from the user terminal 40. The display control unit 111 refers to the electronic money database DB1 and acquires the user's electronic money balance information and usage history. In the second modification, the execution result of the designated account transfer process is shown as part of the electronic money usage history.

[0161] For example, the display control unit 111 generates display data for the balance management screen SC3 based on the balance information and usage history of electronic money. The display data may be any data format as long as it is data necessary for displaying some screen on the user terminal 40. For example, the display data may be HTML data or image data. In the example of FIG. 21, the display control unit 111 generates display data for the balance management screen SC3 indicating that a designated account transfer process has been executed as the usage history. The display control unit 111 transmits the generated display data to the user terminal 40. Upon receiving the display data, the user terminal 40 causes the display unit 45 to display the balance management screen SC3 based on the display data.

[0162] When a designated account transfer process is executed, the deposit system 1 of the second modification displays on the balance management screen SC3 that the designated account transfer process has been executed. This allows the user to realize that the designated account transfer process has been executed. For example, even if the user's salary has been paid by digital salary payment, the user can be prevented from mistakenly thinking that the salary payment has not been made because the electronic money salary balance has not increased. The user can realize that the user's salary has been paid by transferring the money to the designated account. For example, although the money is not deposited as electronic money, it may be displayed on the balance management screen SC3 as if it was first deposited and then withdrawn, in which case user convenience is further improved.

[0163] [3-3. Variation 3] For example, if the electronic money salary balance reaches the upper limit and the user does not use the salary balance, the user's salary thereafter will be transferred to the designated account. If the user's salary has been transferred to the designated account multiple times, the meaning of digitally paying salary will be diminished, so the user may be prompted to reconsider the transfer destination of the salary. The deposit system 1 of the third modification includes a second notification unit 112. The second notification unit 112 notifies the transfer requester not to make a type of transfer that is determined to be unnecessary based on the execution result of the designated account transfer process.

[0164] FIG. 22 is a diagram showing an example of a notification to a requester in a transfer. In the third modification, the requester is the user's workplace. When the deposit system 1 is applied to a situation other than digital salary payment, the requester may be someone other than the workplace. For example, the requester may be the user's family, friends, students, or other acquaintances. For example, the second notification unit 112 sends an e-mail to the e-mail address of the user's workplace, urging the user to change the transfer method of the user's salary. The e-mail address of the workplace is assumed to be stored in advance in the data storage unit 100. The second notification unit 112 may notify the workplace based on any notification means. For example, the second notification unit 112 may notify the workplace based on a notification function in some management tool, SMS, push notification, banner notification, or other notification means.

[0165] The deposit system 1 of the third modification example notifies the transfer requester not to make transfers of types that are determined to be unnecessary, based on the execution result of the designated account transfer process. This allows the deposit system 1 to prevent the meaning of digital salary payment from being diluted. If the user changes the transfer destination, the deposit server 10 does not need to execute unnecessary processes, so the processing load of the deposit server 10 can be reduced. For example, when a fixed amount of non-salary is transferred each month, the deposit system 1 can notify the user to contact the company not to transfer the non-salary.

[0166] [3-4. Variation 4] For example, as explained in the first and second embodiments, electronic money may have a pay balance for deposit by the deposit execution unit 104, and a basic balance and a premium balance that are different from the pay balance. The pay balance is an example of a first balance. The basic balance and the premium balance are examples of a second balance. The first balance and the second balance may be called by other names as long as they are balances that are managed separately from each other. The deposit execution unit 104 executes a deposit into the pay balance when the necessity determination unit 102 determines that a deposit is necessary. This is as explained in the first and second embodiments.

[0167] The deposit system 1 of the fourth modified example includes a setting reception unit 113. The setting reception unit 113 receives a setting from the user regarding whether to transfer to a designated account designated by the user when the necessity determination unit 102 determines that a deposit is unnecessary, or to deposit into the basic type balance and the premium type balance in this case. The user's setting is stored in the electronic money database DB1. For example, the user specifies the setting from the payment application screen SC1 or another screen. The deposit server 10 records the setting specified by the user in the data storage unit 100.

[0168] In the fourth modification, the deposit server 10 refers to the user's settings when it is determined that the transfer type does not indicate a salary transfer or a bonus transfer. The deposit execution unit 104 executes a deposit into the second balance when the settings accepted from the user indicate the second balance. The method of executing a deposit into the second balance itself can use a publicly known process. In the case of electronic money, the deposit into the second balance may be executed based on a publicly known process used for charging electronic money. The deposit execution unit 104 executes a deposit into the second balance by updating the balance information stored in the electronic money database DB1.

[0169] For example, when the settings received from the user indicate a designated account, the designated account transfer unit 105 executes the designated account transfer process. The condition for executing the designated account transfer process is that the settings received from the user indicate a designated account, and the details of the designated account transfer process are as described in the first embodiment.

[0170] The user may specify the settings in Modification 4 by specifying the deposit amount or the remaining balance. For example, the user may specify that if the transfer amount is less than 10,000 yen, the amount is deposited into electronic money, and if the transfer amount exceeds 10,000 yen, the amount is deposited into a specified account. As another example, the deposit system 1 may suggest setting options to the user based on the past deposit and withdrawal history.

[0171] The deposit system 1 of the fourth modification executes a deposit to the second balance when the setting received from the user indicates the second balance. The deposit system 1 executes a designated account transfer process when the setting received from the user indicates a designated account. This allows the deposit system 1 to realize deposits according to the user's preferences, improving user convenience.

[0172] [3-5. Variation 5] For example, in the first and second embodiments, a case where an upper limit of 100,000 yen is set for electronic money is taken as an example. A first upper limit and a second upper limit higher than the first upper limit may be set as upper limits for electronic money. In Modification 5, the first upper limit is assumed to be 80,000 yen. The second upper limit is assumed to be 100,000 yen. Each of the first upper limit and the second upper limit may be any value and is not limited to Modification 5. Each of the first upper limit and the second upper limit may be specified by an electronic money business operator that handles electronic money, or may be specified by a user.

[0173] In the fifth modified example, upper limit determination unit 103 determines whether the deposit will cause the balance to exceed a second upper limit when the necessity determination unit 102 determines that a deposit is necessary. This embodiment differs from the first and second embodiments in that a first upper limit and a second upper limit exist, but the determination method of upper limit determination unit 103 is the same as that of the first and second embodiments.

[0174] The designated account transfer unit 105 of the fifth modification executes the designated account transfer process when the upper limit determination unit 103 determines that the balance exceeds the second upper limit. This embodiment differs from the first and second embodiments in that a first upper limit and a second upper limit exist, but the process itself of the designated account transfer unit 105 is similar to that of the first and second embodiments.

[0175] The first upper limit may be used for purposes other than notifications, which will be described in Modification Example 6 below. For example, when the user's salary balance exceeds the second upper limit, a deposit into the salary balance cannot be accepted, but when the salary balance exceeds the first upper limit, the user may be asked whether or not to make a deposit before a deposit into the salary balance is made. The deposit execution unit 104 may make a deposit that exceeds the first upper limit based on the user's response. For example, the first upper limit may be used for notifying the employer, rather than the user.

[0176] When it is determined that a deposit is necessary, the deposit system 1 of the fifth modified example determines whether the deposit will cause the salary balance to exceed the second upper limit. When it is determined that the salary balance will exceed the second upper limit, the deposit system 1 executes the designated account transfer process. This allows the deposit system 1 to set a limit of the second upper limit on the electronic money salary balance.

[0177] [3-6. Variation 6] For example, in the fifth modification, the upper limit determination unit 103 may determine whether the salary balance will exceed the first upper limit if the necessity determination unit 102 determines that a deposit is necessary. The deposit system 1 of the sixth modification includes a third notification unit 114. The third notification unit 114 notifies the user to encourage the user to use the balance if the upper limit determination unit 103 determines that the balance will exceed the first upper limit.

[0178] FIG. 23 is a diagram showing an example of a notification encouraging the use of the remaining balance. For example, the third notification unit 114 performs the notification by displaying a message M18 encouraging the use of the remaining balance on the payment application screen SC1 of the payment application. It is assumed that data for the notification is recorded in the data storage unit 100. The third notification unit 114 may perform the notification to the user based on any notification means. For example, the third notification unit 114 may perform the notification to the user based on a notification function in the payment application, email, SMS, push notification, banner notification, or other notification means.

[0179] In the sixth modified example, when it is determined that a deposit is necessary, the deposit system 1 determines whether the deposit will cause the balance to exceed the first upper limit. When it is determined that the salary balance will exceed the first upper limit, the deposit system 1 notifies the user to encourage the use of the salary balance. This allows the deposit system 1 to motivate the user to actively use the salary balance, making it less likely that the salary balance will exceed the second upper limit when the salary is transferred.

[0180] [3-7. Variation 7] For example, when digital salary payments to a user are repeatedly made, it may be possible to estimate how much the monthly amount is that will not exceed the upper limit of the salary balance. In this case, an appropriate amount that can be received by digital salary payment may be presented to the user. The deposit system 1 of the seventh modification includes an appropriate amount presentation unit 115. The appropriate amount presentation unit 115 presents an appropriate amount for transfer to the user based on the track record of past designated account transfer processes.

[0181] For example, the appropriate amount presentation unit 115 calculates the average amount of salary that the user received in electronic money over all or part of the past period. The appropriate amount presentation unit 115 presents the calculated average amount to the user as an appropriate amount for transfer. The appropriate amount presentation unit 115 may present the amount to the user on the payment app screen SC1, a notification function within the payment app, email, SMS, push notification, banner notification, or other notification means.

[0182] The deposit system 1 of the seventh modified example presents the user with an appropriate amount to be transferred based on the track record of past designated account transfer processing. This allows the deposit system 1 to make the user aware of the appropriate amount to be transferred. For example, if 10,000 yen out of a monthly salary transfer of 20,000 yen has been transferred to the designated account, the deposit system 1 can notify the user, "Please set the transfer amount for digital salary payment to 10,000 yen."

[0183] [3-8. Other Modifications] For example, the above modifications may be combined.

[0184] For example, the deposit system 1 may deposit the transfer amount exceeding the upper limit into the electronic money balance as a reserved amount for a certain period of time based on the user's electronic money withdrawal history, instead of transferring the transfer amount to the designated account. The deposit system 1 may allow the user to set whether to deposit the salary into the electronic money balance or to transfer the salary to the designated account. The deposit system 1 may set the above setting by the user specifying the amount. For example, the deposit system 1 may deposit the transfer amount into electronic money if it is less than 10,000 yen, and transfer the amount exceeding 10,000 yen to the designated account. The deposit system 1 may suggest the setting to the user based on the user's electronic money withdrawal history. The deposit system 1 may vary the point multiplier when the electronic money is used depending on whether the transfer type is a salary transfer or a non-salary transfer. The deposit system 1 may award points at a higher point multiplier when the salary balance is used than when other balances are used.

[0185] For example, the functions described as being realized by the deposit server 10 may be shared among multiple computers in the deposit system 1. In this case, each of the multiple computers may transmit its own processing results to the other computers, thereby realizing the sharing of functions. The deposit system 1 may include at least one of the employer system 2, the financial institution system 3, the vendor system 5, and the user terminal 40.

[0186] [4. Notes] For example, the deposit system according to the present disclosure can be configured as follows. (1) a transfer information acquisition unit that acquires transfer information indicating a transfer type for a transfer in which the user's account number is designated as the transfer destination; a necessity determination unit that determines whether or not a deposit is required to be made to the user's electronic payment means based on the transfer type indicated by the transfer information; a deposit execution unit that executes the deposit according to the transfer amount in the case where the necessity determination unit determines that the deposit is necessary; Including the deposit system. (2) the account number is the number of the user's virtual account at a financial institution; The transfer information acquisition unit acquires the transfer information related to the virtual account from a financial institution system of the financial institution, The deposit execution unit executes the deposit when the necessity determination unit determines that the deposit is necessary. The deposit system described in (1). (3) the account number is a vendor-issued number issued by the vendor; The transfer information acquisition unit acquires the transfer information from a vendor system of the vendor, the deposit execution unit, when the necessity determination unit determines that the deposit is necessary, executes the deposit based on a balance of a vendor-related account, which is an account at a financial institution associated with the vendor-issued number; The deposit system described in (1). (4) The transfer information acquisition unit acquires the transfer information from the vendor system prior to a scheduled date for the transfer, The deposit system includes: an error determination unit that determines whether or not an error related to the transfer will occur before the scheduled date based on the transfer information; a correction request unit that executes a correction request process to request correction of the error in the transfer when the error determination unit determines that the error will occur; The deposit system according to (3) further comprises: (5) the vendor-related account is credited with a deposit related to the client of the transfer before the transfer information is accepted; The deposit system further includes a deposit determination unit that determines whether the deposit is sufficient based on the transfer information, the deposit execution unit executes the deposit when the deposit determination unit determines that the deposit is sufficient. A deposit system as described in (3) or (4). (6) After the transfer information is accepted, the vendor-related account is transferred with the amount of the transfer by the transfer requester, The deposit system further includes a deposit determination unit that determines whether the amount has been deposited into the vendor-related account; the deposit execution unit executes the deposit when the transfer determination unit determines that the amount has been transferred to the vendor-related account. A deposit system according to any one of (3) to (5). (7) The necessity determination unit determines that the deposit is unnecessary when the transfer type does not indicate a salary transfer or a bonus transfer, and determines that the deposit is necessary when the transfer type indicates the salary transfer or the bonus transfer. A deposit system according to any one of (1) to (6). (8) The settlement means has a first balance for salary or bonus transfer and a second balance different from the first balance, the deposit execution unit executes the deposit into the first balance when it is determined that the deposit is necessary. (7) A deposit system as described above. (9) The deposit system further includes a designated account transfer unit that executes a designated account transfer process for transferring a transfer amount of the transfer to a designated account designated by the user when the necessity determination unit determines that the deposit is unnecessary. A deposit system according to any one of (1) to (8). (10) The deposit system further includes a first notification unit that notifies the user of the execution of the designated account transfer process when the designated account transfer process is executed. (9) A deposit system as described above. (11) The deposit system further includes a display control unit that, when the designated account transfer process is executed, displays on a balance management screen for managing the balance of the payment means that the designated account transfer process has been executed. A deposit system according to (9) or (10). (12) The deposit system further includes a second notification unit that notifies the client of the transfer to urge the client not to make a transfer of the type determined to be unnecessary based on the execution result of the designated account transfer process. A deposit system according to any one of (9) to (11). (13) The settlement means has a first balance for deposit and a second balance different from the first balance, the deposit execution unit executes the deposit into the first balance when the necessity determination unit determines that the deposit is necessary; The deposit system includes: a setting reception unit that receives a setting from the user regarding whether to transfer the money to a designated account designated by the user when the necessity determination unit determines that the money deposit is unnecessary, or whether to deposit the money into the second balance in that case; a designated account transfer unit that executes a designated account transfer process for transferring the transfer amount in the transfer when the setting indicates the designated account; Further comprising: The deposit execution unit executes a deposit into the second balance when the setting indicates the second balance. A deposit system according to any one of (1) to (12). (14) An upper limit for the deposit balance is set for the settlement means, The deposit system further includes an upper limit determination unit that, when the necessity determination unit determines that the deposit is necessary, determines whether the deposit will cause the balance to exceed the upper limit, the deposit execution unit, when the upper limit determination unit determines that the balance does not exceed the upper limit, executes the deposit so that the transfer amount in the transfer is deposited into the settlement means. A deposit system according to any one of (1) to (13). (15) when the upper limit determination unit determines that the balance will exceed the upper limit, the deposit execution unit executes the deposit based on the difference between the current balance of the payment means and the upper limit; The deposit system further includes a designated account transfer unit that executes a designated account transfer process for transferring an amount of the transfer amount that exceeds the upper limit to a designated account designated by the user. (14) A deposit system as described above. (16) a first upper limit value and a second upper limit value higher than the first upper limit value are set as the upper limit value in the payment means, the upper limit determination unit, when the necessity determination unit determines that the deposit is necessary, determines whether the deposit will cause the balance to exceed the second upper limit; the designated account transfer unit executes the designated account transfer process when the upper limit determination unit determines that the balance exceeds the second upper limit. (15) A deposit system as described above. (17) the upper limit determination unit, when the necessity determination unit determines that the deposit is necessary, determines whether the deposit will cause the balance to exceed the first upper limit; The deposit system further includes a third notification unit that notifies the user to use the balance when the upper limit determination unit determines that the balance exceeds the first upper limit. (16) A deposit system as described above. (18) The deposit system further includes an appropriate amount presentation unit that presents an appropriate amount for the transfer to the user based on a track record of the designated account transfer process in the past. A deposit system according to any one of (15) to (17). [Explanation of symbols]

[0187] 1 Deposit system, 2 Workplace system, 3 Financial institution system, 5 Vendor system, N Network, 10 Deposit server, 11, 21, 25, 31, 41, 51 Control unit, 12, 22, 26, 32, 42, 52 Memory unit, 13, 23, 27, 33, 43, 53 Communication unit, 20 Workplace server, 24 Workplace terminal, 28, 44 Operation unit, 29, 45 Display unit, 30 Financial institution server, 40 User terminal, 50 Vendor server, 100 Data storage unit, 101 Transfer information acquisition unit, 102 Necessity determination unit, 103 Upper limit determination unit, 104 Deposit execution unit, 105 Designated account transfer unit, 106 Error determination unit, 107 Correction request unit, 108 Deposit determination unit, 109 Transfer determination unit, 110 First notification unit, 111 Display control unit, 112 Second notification unit, 113 Setting reception unit, 114 Third notification unit, 115 Appropriate amount presentation unit, 200 Data storage unit, 201 Transfer request unit, 240 Data storage unit, 241 Display control unit, 242 Operation reception unit, 300 Data storage unit, 301 Virtual account opening unit, 302 Transfer reception unit, 303 Transfer information transmission unit, 400 Data storage unit, 401 Display control unit, 402 Operation reception unit, 500 data storage unit, 501 number issuing unit, 502 transfer reception unit, 503 transfer information transmission unit, B11, B12, B13, B14, B16, B20, B21 buttons, C10 code, DB1 electronic money database, DB2 workplace database, DB3 transfer database, DB4 virtual account database, DB5 transfer database, DB6 vendor database, F15 input form, M17 message, SC1 payment application screen, SC2 financial institution screen, SC3 balance management screen.

Claims

1. A transfer information acquisition unit that acquires transfer information regarding a transfer from a vendor system provided by a vendor prior to a scheduled date of the transfer to a transfer destination based on an issue number managed in the vendor system; an error determination unit that determines whether or not an error related to the transfer will occur before the scheduled date based on the transfer information; Including the deposit system.

2. The transfer is a transfer for a user corresponding to the issue number to receive a salary or a bonus by electronic payment means, The deposit system includes a server of a payment means operator, The transfer information acquisition unit and the error determination unit are realized by the server. The deposit system according to claim 1 .

3. The transfer information acquisition unit acquires the transfer information indicating a transfer amount in the transfer, the error determination unit determines whether the error will occur by determining whether the balance of the electronic payment means of the user corresponding to the issue number and the transfer amount indicated by the transfer information exceed a predetermined upper limit; The deposit system according to claim 1 or 2.

4. The transfer information acquisition unit acquires the transfer information indicating a transfer type of the transfer, The error determination unit determines whether the transfer type indicated by the transfer information is a salary transfer or a bonus transfer, thereby determining whether the error occurs.

3. A deposit system according to claim 1 or 2.

5. The error determination unit determines whether the error occurs by determining whether the issue number is invalid.

3. A deposit system according to claim 1 or 2.

6. The transfer information acquisition unit acquires the transfer information indicating a transfer amount in the transfer, the error determination unit determines whether the transfer amount indicated by the transfer information is equal to or greater than a threshold value, thereby determining whether the error has occurred; The deposit system according to claim 1 or 2.

7. The transfer information acquisition unit acquires the transfer information indicating the name of the client in the transfer, the error determination unit determines whether the client's name indicated in the transfer information is a predetermined name, thereby determining whether the error has occurred; The deposit system according to claim 1 or 2.

8. The transfer information acquisition unit acquires the transfer information indicating a transfer amount in the transfer, the error determination unit determines whether or not the deposit made by the client in the transfer is sufficient based on the transfer amount indicated by the transfer information, thereby determining whether or not the error will occur; The deposit system according to claim 1 or 2.

9. The transfer information acquisition unit acquires the transfer information indicating a transfer amount in the transfer, the error determination unit determines whether the error has occurred by determining whether an amount corresponding to the transfer amount indicated by the transfer information has been transferred by the client of the transfer separately from the transfer; The deposit system according to claim 1 or 2.

10. The deposit system further comprises: a correction request unit that executes a correction request process to request a correction of the error in the transfer when the error determination unit determines that the error has occurred; The deposit system according to claim 1 or 2, further comprising:

11. A related account associated with the issue number is credited with a deposit for the requester of the transfer before the transfer information is accepted, The deposit system includes: a deposit determination unit that determines whether the deposit is sufficient based on the transfer information; a deposit execution unit that executes a deposit according to the transfer based on the balance of the related account when the deposit determination unit determines that the deposit is sufficient; The deposit system according to claim 1 or 2, further comprising:

12. After the transfer information is accepted, an amount corresponding to the transfer is transferred by the requester of the transfer to the relevant account related to the issue number, The deposit system includes: a transfer determination unit that determines whether the amount has been transferred to the associated account; a deposit execution unit that executes a deposit according to the transfer when the transfer determination unit determines that the amount has been transferred to the related account; The deposit system according to claim 1 or 2, further comprising:

13. A computer comprising: a transfer information acquisition step of acquiring, from the vendor system provided by the vendor, transfer information regarding the transfer prior to a scheduled date of the transfer to a transfer destination based on an issue number managed in the vendor system; an error determination step of determining whether or not an error regarding the transfer occurs based on the transfer information before the scheduled date; The deposit method to be performed.

14. A transfer information acquisition unit that acquires transfer information regarding a transfer from a vendor system provided by a vendor prior to a scheduled date of the transfer to a transfer destination based on an issue number managed in the vendor system; an error determination unit that determines whether or not an error regarding the transfer will occur based on the transfer information before the scheduled date; A program that makes a computer function as a

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