Information processing apparatus, information processing method, and program

Abstract

To enable a worker to receive salary in digital money in a digital account desired as a transfer destination by the worker and in a manner desired by the worker even if there is a plurality of employers employing workers.SOLUTION: An information processing apparatus comprises: digital account storage means for storing at least one digital account that is a transfer destination to which a worker's salary is to be transferred using digital money; transfer condition acceptance means for accepting, from the worker, a request for transfer conditions regarding the transfer; transfer condition storage means for storing the transfer conditions; salary calculation means for calculating a total salary that is the sum of the salaries obtained from at least one employer; and transfer control means for controlling the total salary to be transferred to the digital account based on the transfer conditions.SELECTED DRAWING: Figure 3

Description

[Technical field]

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

[0002] There is known a technology that enables an employer to deposit money into an electronic money card distributed to an employee, thereby allowing the employee to receive an advance payment of all or part of his / her salary (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2019-79307 A Summary of the Invention [Problem to be solved by the invention]

[0004] In recent years, digital payment of wages has been attracting attention. With digital payment of wages, workers can receive their wages using smartphone payment applications or electronic money. With digital payment of wages, workers can receive their wages on their own smartphones. In recent years, there have been many ways of working, such as side jobs and working multiple jobs at multiple workplaces, but even in these cases, workers do not need to prepare multiple accounts for each employer. In addition, because the wages paid by the employer can be saved on one's own smartphone, the required amount can be withdrawn when needed. For this reason, the demand from workers for digital payment of wages has been growing year by year.

[0005] The present invention has been made in consideration of the above-mentioned circumstances, and aims to provide technology that enables a worker to receive his / her salary in digital money in a digital account of his / her choice as the transfer destination and in a manner of his / her choice, even when there are multiple employers employing the worker. [Means for solving the problem]

[0006] In order to achieve the above-mentioned objective, one aspect of the present invention is an information processing device having a digital account storage means for storing at least one digital account to which a worker's salary is to be transferred in digital money, a transfer condition receiving means for receiving a request from a worker regarding transfer conditions related to the transfer, a transfer condition storage means for storing the transfer conditions, a salary amount calculation means for calculating a total salary amount by adding up the salary amounts obtained from at least one employer, and a transfer control means for controlling the transfer of the total salary amount to the digital account based on the transfer conditions.

[0007] An information processing method and a program corresponding to the information processing device according to one aspect of the present invention are also provided as an information processing method and a program according to one aspect of the present invention. Effect of the Invention

[0008] According to the present invention, even if there are multiple employers who employ a worker, the worker can receive his / her salary in digital money to the digital account he / she desires as the transfer destination and in the manner he / she desires. [Brief description of the drawings]

[0009] [Figure 1] 1 is a diagram illustrating an example of an overall configuration of an information processing system according to an embodiment of the present invention. [Diagram 2] FIG. 2 is a block diagram showing an example of a hardware configuration of a management server according to the present embodiment. [Diagram 3] A functional block diagram showing an example of the functional configuration of the management server, the worker terminal, and the employer terminal. [Figure 4] 13 is a flowchart showing an example of a processing flow of a management server. [Diagram 5] 2 is an image diagram showing a specific example of a usage mode of the information processing system of FIG. 1. [Figure 6]FIG. 13 is a diagram showing a specific example of a case where the transfer conditions include the purpose of payment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] [overview] Hereinafter, this embodiment will be described with reference to the drawings. In the information processing system according to this embodiment, deposits into digital accounts are controlled through a management server, which is an information processing device. The information processing system works in conjunction with a worker terminal owned by the worker, an employer terminal owned by the employer, a financial institution server, and a funds transfer agency server, and controls the transfer destination of salaries from multiple employers based on requests from workers. Transfers are controlled based on information such as salaries from individual employers, worker attendance, advance salary amounts, worker contributions such as taxes, already paid amounts, unpaid amounts, and expected wages. "Digital account" refers to an account to which a worker's salary is transferred when it is made in digital money, and includes an account number of a financial institution that can handle digital money.

[0011] [System Configuration] FIG. 1 is a diagram showing an example of the overall configuration of an information processing system S according to this embodiment. The information processing system S is an information processing system that enables a person who is or has been employed at one or more companies or stores (hereinafter referred to as "worker") to transfer a salary in digital money from a person who employs or has employed a worker (hereinafter referred to as "employer"). Digital money refers to a value that enables payment or receipt, etc., through an application program installed on a terminal such as a smartphone, and includes cash that can be paid or received through the application program.

[0012] The information processing system S is configured by connecting a management server 1, worker terminals 2-1 to 2-n (n is an integer value of 1 or greater), employer terminals 3-1 to 3-m (m is an integer value of 1 or greater), a financial institution server 4, and a funds transfer agent server 5 via a network N. The network N may be, for example, the Internet, a LAN (Local Area Network), or a VPN (Virtual Private Network).

[0013] Hereinafter, when there is no need to explain each of the worker terminals 2-1 to 2-n individually, they will be collectively referred to as the "worker terminal 2," and when there is no need to explain each of the employer terminals 3-1 to 3-m individually, they will be collectively referred to as the "employer terminal 3."

[0014] Workers' salaries are transferred from digital accounts of multiple employers, e.g., companies, or accounts held at financial institutions to a digital account of a financial institution or an account held at a financial institution (hereinafter, this transfer may be referred to as the "first transfer"). Furthermore, the worker's salary is transferred to the worker's account (hereinafter, this transfer may be referred to as the "second transfer"). The information processing system S manages and controls the transfer conditions of the first transfer and / or the second transfer. The information processing system S provides workers with convenience regarding their salaries through the worker terminal 2. The conditions governing the transfer of workers' wages are called transfer conditions.

[0015] <Administration Server 1> The management server 1 is an information processing device that serves as a server that manages the entire information processing system S. The management server 1 acquires various types of information transmitted from each of the worker terminal 2, employer terminal 3, financial institution server 4, and funds transfer service provider server 5, and is capable of performing various types of processing. The management server 1 also transmits various types of information to each of the worker terminal 2, employer terminal 3, financial institution server 4, and funds transfer service provider server 5, and is capable of executing various types of processing.

[0016] <Worker Terminal 2> The worker terminal 2 is an information processing device operated by a worker to use the information processing system S, and is composed of, for example, a smartphone, a tablet terminal, a personal computer, etc. The worker terminal 2 is capable of executing a specific application program that enables the information processing system S to be used. The worker terminal 2 is capable of performing various processes based on various types of acquired information and various types of information input by the worker's operation. The worker terminal 2 is also capable of transmitting various types of information to the management server 1.

[0017] <Employer Terminal 3> The employer terminal 3 is an information processing device operated by the employer to use the information processing system S, and is composed of, for example, a smartphone, a tablet terminal, a personal computer, etc. The employer terminal 3 is capable of executing a predetermined application program that enables the information processing system S to be used. The employer terminal 3 is capable of performing various processes based on various types of information acquired and various types of information input by the employer's operation. In addition, the employer terminal 3 is capable of transmitting various types of information to the management server 1.

[0018] <Financial institution server 4> The financial institution server 4 is an information processing device that serves as a server that manages various operations performed by the financial institution. The financial institution server 4 acquires various information transmitted from the management server 1 and is capable of performing various processes. In addition, the management server 1 is capable of transmitting various information to the financial institution server 4. For example, the management server 1 transmits a worker's digital account to the financial institution server 4.

[0019] Furthermore, the financial institution server 4 performs transfer processing based on the transfer instruction from the management server 1, and transmits the result of the transfer processing to the management server 1. Specifically, when the employee's salary is transferred from the employer's account (first transfer), the financial institution server 4 temporarily pools the amount and transfers it to the employee's account by allocating it according to the set transfer conditions (second transfer).

[0020] <Funds transfer business server 5> The money transfer agent server 5 is an information processing device that serves as a server that manages various operations performed by the money transfer agent. The money transfer agent server 5 acquires various information transmitted from the management server 1 and is able to perform various processes. The money transfer agent server 5 also enables various information to be transmitted to the management server 1. For example, the money transfer agent server 5 assigns and manages a money transfer account for each worker.

[0021] [Hardware configuration] <Administration Server 1> FIG. 2 is a block diagram showing an example of a hardware configuration of the management server 1 according to this embodiment. The management server 1 includes a CPU (Central Processing Unit) 11, a ROM (Read Only Memory) 12, a RAM (Random Access Memory) 13, a bus 14, an input / output interface 15, an output unit 16, an input unit 17, a memory unit 18, a communication unit 19, and a drive 20.

[0022] The CPU 11 executes various processes according to a program stored in the ROM 12 or a program loaded from the storage unit 18 to the RAM 13. The RAM 13 also stores data and the like required for the CPU 11 to execute various processes. The CPU 11, the ROM 12, and the RAM 13 are interconnected via a bus 14. An input / output interface 15 is also connected to this bus 14.

[0023] The input / output interface 15 is connected to an output unit 16, an input unit 17, a storage unit 18, a communication unit 19, and a drive 20. The output unit 16 is composed of a display, a speaker, etc., and outputs various information as images and sounds. The input unit 17 is composed of a keyboard, a mouse, a touch panel, etc., and accepts input of various information. The storage unit 18 is composed of a hard disk, a DRAM (Dynamic Random Access Memory), etc., and stores various data. The communication unit 19 communicates with other devices via the above-mentioned network N composed of the Internet, etc.

[0024] Removable media 21, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is appropriately attached to the drive 20. Programs read from the removable media 21 by the drive 20 are installed in the storage unit 18 as necessary. The removable media 21 can also store various data stored in the storage unit 18 in the same manner as the storage unit 18.

[0025] <Employee terminal 2, employer terminal 3, financial institution server 4, and funds transfer service provider server 5> Furthermore, although not shown, the worker terminal 2, employer terminal 3, financial institution server 4, and funds transfer agent server 5 have the same hardware configuration as the management server 1 shown in Fig. 2. That is, the worker terminal 2, employer terminal 3, financial institution server 4, and funds transfer agent server 5 each have a CPU, ROM, RAM, bus, input / output interface, output unit, input unit, memory unit, communication unit, drive, and removable media, which correspond to the CPU 11, ROM 12, RAM 13, bus 14, input / output interface 15, output unit 16, input unit 17, memory unit 18, communication unit 19, drive 20, and removable media 21 in Fig. 2, respectively.

[0026] [Functional configuration] <Administration Server 1> FIG. 3 is a functional block diagram showing an example of the functional configuration of the management server 1, the employee terminal 2, and the employer terminal 3. In the CPU 11 of the management server 1, when it operates, the information acquisition unit 31, the digital account recording unit 32, the transfer condition receiving unit 33, the information recording unit 34 (salary information recording unit 341, transfer condition recording unit 342, identification information recording unit 343, salary amount recording unit 344), the calculation unit 35 (salary amount calculation unit 351, burden amount calculation unit 352, working hour calculation unit 353, cumulative total salary calculation unit 354), the transfer control unit 36, the generation unit 37 (report generation unit 371, declaration form generation unit 372), and the transmission control unit 38 function.

[0027] Furthermore, various databases are provided in the storage unit 18 of the management server 1. The databases include, for example, a digital account DB 41 that stores the digital accounts of workers, a salary information DB 42 that stores the salary information of workers, a transfer condition DB 43 that stores set transfer conditions, an identification information DB 44 that stores identification information of workers, and a salary amount DB 45 that stores the salary amounts of workers (the salary amount of each worker and the total salary amount).

[0028] The worker's identification information includes common identification information that is common regardless of multiple employers that employ the worker, and individual identification information that is unique to each employer that employs the worker.

[0029] The information acquisition unit 31 acquires various types of information. For example, the information acquisition unit 31 acquires various types of information transmitted from each of the employee terminal 2, the employer terminal 3, the financial institution server 4, and the funds transfer service provider server 5. Information transmitted from the worker terminal 2 includes, for example, input information for setting transfer conditions, input information for displaying the amount of salary from each employer on the worker terminal 2, input information for displaying the total amount of salary on the worker terminal 2, input information for displaying the amount the worker is to bear (hereinafter referred to as the "worker's burden amount") on the worker terminal 2, such as the amount of tax and the amount of social insurance premiums, input information for printing forms used for tax returns, input information for printing tax return documents, and input information for displaying available working hours on the worker terminal 2. Information transmitted from the employer terminal 3 includes, for example, the worker's salary information, input information for displaying the amount of salary received from the worker's employer on the employer terminal 3, and input information for displaying the worker's share of the burden on the employer terminal 3. Furthermore, information transmitted from the financial institution server 4 and the funds transfer service provider server 5 includes, for example, the worker's digital account and the results of the transfer process.

[0030] The digital account recording unit 32 records digital accounts provided by each of the financial institution server 4 and the funds transfer service provider server 5 in the digital account DB 41. The digital account recording unit 32 controls the recording of digital accounts in the digital account DB 41 of the storage unit 18. As described above, a digital account is an account to which a worker's salary is transferred when it is transferred in digital money. Digital accounts include, for example, the worker's account number managed by a financial institution, and the worker's account managed by a funds transfer service provider that provides funds transfer services (hereinafter referred to as a "funds transfer account"). Funds transfer accounts include digital accounts into which the worker's salary is transferred, and accounts that convert the transferred salary into other digital money and store it.

[0031] The transfer conditions receiving unit 33 receives the transfer conditions of the worker's salary.

[0032] For example, the transfer conditions receiving unit 33 receives the transfer conditions of a worker based on a request from the worker terminal 2 to set the transfer conditions.

[0033] Specifically, the transfer conditions receiving unit 33 receives, as transfer conditions, the timing of transfers of the worker's salary from the employer, allocation of the transfer amount to each transfer destination (e.g., ratio of transfer amount per digital account and per transfer destination), priority of the transfer destination digital accounts, and specification of salary transfers for each employer (e.g., changing the payee for each employer, etc.).

[0034] The transfer condition reception unit 33 also receives the advance amount and the advance amount for the worker's salary as the transfer conditions for the worker's salary. A specific example of the control of the transfer based on the received transfer conditions will be described later with reference to Figs. 5 and 6.

[0035] The information recording unit 34 records various information. For example, a salary information recording unit 341, a transfer condition recording unit 342, an identification information recording unit 343, and a salary amount recording unit 344 function in the information recording unit 34. The salary information recording unit 341 records the salary information of the worker. Specifically, the salary information recording unit 341 records the salary information of the worker acquired by the information acquisition unit 31 in the salary information DB 42 of the memory unit 18. The salary information is associated with the common identification information and individual identification information of the worker.

[0036] The transfer condition recording unit 342 records the transfer conditions of the worker's salary. Specifically, the transfer condition recording unit 342 records the transfer conditions accepted by the transfer condition accepting unit 33 in the transfer condition DB 43 of the memory unit 18. The transfer conditions are associated with the common identification information and individual identification information of the worker.

[0037] The identification information recording unit 343 records the identification information of the worker in the identification information DB 44. Specifically, the identification information recording unit 343 associates the common identification information and individual identification information of the worker, and records them in the identification information DB 44 of the storage unit 18. The identification information DB 44 associates and stores common identification information, which is identification information that can identify a worker and is common regardless of the employer, individual identification information that is unique to each employer, and the employer. The identification information recording unit 343 may use, for example, My Number (registered trademark), which is a 12-digit personal number assigned to persons who have a resident registration in a city, ward, town, or village in Japan, as the common identification information of the worker.

[0038] The salary recording unit 344 records the salary of the worker. Specifically, the salary recording unit 344 records the salary amount received by the worker from each employer and the total salary amount of the salary amounts received from multiple employers in the salary DB 45 of the memory unit 18. The salary amount received by the worker from each employer and the total salary amount are associated with the common identification information and individual identification information of the worker.

[0039] The calculation unit 35 calculates various amounts based on various information. In the calculation unit 35, for example, a salary amount calculation unit 351, a burden amount calculation unit 352, a working hour calculation unit 353, and a cumulative total salary amount calculation unit 354 function.

[0040] The salary calculation unit 351 calculates the salary of the worker. Specifically, the salary calculation unit 351 calculates the amount of salary to be paid individually to the worker from each of one or more employers based on the salary information of the worker acquired by the information acquisition unit 31.

[0041] The salary calculation unit 351 also calculates the salary amount (hereinafter referred to as the "total salary amount") by adding up the calculated salary amounts. Specifically, the salary calculation unit 351 calculates the total salary amount from multiple employers based on the correspondence between the common identification information and individual identification information of the worker stored in the identification information DB 44.

[0042] In addition, the salary calculation unit 351 calculates a total salary by adding up the salary amounts for each digital account of the worker.

[0043] In addition, the salary calculation unit 351 calculates an amount that is expected to be calculated as the salary of the worker (hereinafter referred to as the "individual estimated amount"). For example, the salary calculation unit 351 calculates the individual estimated amount based on at least one of the worker's current wage and the minimum wage in the area where the worker lives.

[0044] Furthermore, the salary calculation unit 351 calculates a salary amount (hereinafter referred to as the "total expected amount") by adding up the calculated individual expected amounts. Specifically, the salary calculation unit 351 calculates the total expected amount by adding up the individual expected amounts associated with the worker's common identification information or individual identification information. The salary calculation unit 351 also calculates the salary amount that the worker will receive from each employer based on the worker's salary information obtained from the employers and the attendance information regarding the worker's attendance obtained from the employers.

[0045] The burden calculation unit 352 calculates the amount to be borne by the worker (hereinafter referred to as the "worker burden") based on the amount of salary received from each employer and the total amount of salary calculated by the salary calculation unit 351. Examples of the worker burden include the amount of tax and social insurance premiums to be borne by the worker.

[0046] The working hours calculation unit 353 calculates the additional hours that the worker can work (hereinafter referred to as "available working hours") within the range of the total salary amount that is subject to the specified deductions in tax returns, based on the amount of salary received from each employer calculated by the salary calculation unit 351 and the total cumulative salary amount, which will be described later. Specifically, the working hours calculation unit 353 calculates the available working hours within the range of the total salary amount that is subject to the specified deductions in tax returns, for each of the area where the worker resides and the area where the worker is expected to reside. Examples of "specified deductions in tax returns" include spouse deductions and dependent deductions.

[0047] The accumulated total salary calculation unit 354 calculates the accumulated total salary of the total salary amount to be transferred by the transfer control unit 36 ​​during a specified period. The accumulated total salary of the total salary amount to be transferred during the specified period includes the salary amount already transferred, the salary amount for which a labor claim has arisen but has not yet been transferred, and the expected salary amount for work that has been decided to be performed. The accumulated total salary may also be calculated for each employer. It is preferable that the accumulated total salary amount is calculated in parallel with the total salary amount calculated by the salary amount calculation unit 351. The accumulated total salary calculation unit 354 calculates the expected salary amount based on at least one of the worker's current salary amount and the minimum wage of the area where the worker lives. The calculated accumulated total salary amount is also used by the working hours calculation unit 353 to calculate the possible working hours.

[0048] A more detailed explanation will be given. Workers work for one or more companies under a wide variety of pay formats, such as hourly wages, daily wages, weekly wages, commission wages, and project wages. Workers tend to aim to work so that their income is below the upper limit of the total income amount subject to spousal deductions or dependent deductions. Under these circumstances, a cumulative total salary amount within a specified period is required. Workers compare the cumulative total salary amount with the upper limit amount and work so that the cumulative total salary amount does not exceed the upper limit amount. The cumulative total salary amount calculation unit 354 calculates the cumulative total salary amount that is the basis for the comparison. The above-mentioned working hours calculation unit 353 compares the cumulative total salary amount with the upper limit amount and calculates the possible working hours that the worker can further work.

[0049] In addition, the cumulative total amount of salary from a given company is required. For example, workers can know the amount of salary for a given period when renewing a short-term contract. Also, if the cumulative amount of salary expected to be received in the future is known, it can be used as a guide for whether they should work intensively or can work with a little leeway.

[0050] The transfer control unit 36 ​​controls the transfer of the worker's salary to the digital account (second transfer) based on the transfer conditions accepted by the transfer condition accepting unit 33, the worker's total salary amount calculated by the salary calculation unit 351, and the worker's share of the burden.

[0051] In addition, the transfer control unit 36 ​​controls the transfer of the worker's salary to the digital account (second transfer) based on the transfer conditions accepted by the transfer condition accepting unit 33, the worker's total salary calculated by the salary calculation unit 351, and the worker's burden calculated by the burden calculation unit 352.

[0052] The transfer control unit 36 ​​controls the transfer of the advance amount and / or the advance amount to the digital account. As described above, the advance payment request for the salary amount including the advance amount is received by the transfer condition receiving unit 33.

[0053] The generating unit 37 generates various types of information. In the generating unit 37, a form generating unit 371 and a tax return generating unit 372 function.

[0054] The form generation unit 371 generates a form to be used for tax reporting based on the worker's share calculated by the share calculation unit 352.

[0055] The tax return generating unit 372 of the management server 1 generates tax return documents based on information included in the form generated by the form generating unit 371. The form generating unit 371 generates forms used for tax returns based on the calculated worker burden amount. Examples of forms generated by the form generating unit 371 include tax withholding slips. The form generating unit 371 also generates tax return documents based on information included in the generated form. Examples of tax return documents generated by the form generating unit 371 include final tax returns.

[0056] The transmission control unit 38 controls the transmission of various information via the communication unit 19. Specifically, the transmission control unit 38 controls the transmission of various information to each of the worker terminal 2, the employer terminal 3, the financial institution server 4, and the funds transfer agent server 5. For example, the transmission control unit 38 controls the transmission of control information to each of the worker terminal 2 and the employer terminal 3 for displaying various information on the display unit of each of the worker terminal 2 and the employer terminal 3.

[0057] <Worker Terminal 2> In the CPU of the worker terminal 2, an information acquisition unit 51, a display control unit 52, and a transmission control unit 53 function during operation.

[0058] The information acquisition unit 51 acquires various types of information.

[0059] For example, the information acquisition unit 51 acquires information input by an input unit such as a touch panel or a keyboard, etc. Examples of information input by the input unit include information input to set transfer conditions, information input to display the amount of salary received from each employer on the display unit, information input to display the total amount of salary on the display unit, information input to display the amount of worker's contribution on the display unit, information input to output a form used for tax returns, information input to output tax return documents, information input to display available working hours, etc.

[0060] Furthermore, the information acquisition unit 51 acquires information transmitted to the worker terminal 2. Examples of information transmitted to the worker terminal 2 include control information for displaying the amount of salary received from each employer, control information for displaying the total amount of salary, data on forms used for tax returns, data on tax return documents, and the like.

[0061] The display control unit 52 performs control to display various information. Specifically, the display control unit 52 performs control to display various information on a display of the output unit, etc. For example, the display control unit 52 performs control to display the amount of salary received from each employer based on control information for displaying the amount of salary received by the worker from each employer, acquired by the information acquisition unit 51. In addition, the display control unit 52 performs control to display the total salary amount based on control information for displaying the total salary amount.

[0062] The display control unit 52 also controls the display of the amount of worker's burden based on control information for displaying the amount of worker's burden. The display control unit 52 also controls the display of data on forms used for tax returns. The display control unit 52 also controls the display of data on tax return documents. The display control unit 52 also controls the display of available work hours based on control information for displaying available work hours.

[0063] The transmission control unit 53 controls the transmission of various information via the communication unit 29. For example, the transmission control unit 53 controls the transmission of various input information to the management server 1. Examples of the input information transmitted to the management server 1 include input information for setting transfer conditions, input information for displaying the amount of salary received from each employer on the worker's own worker terminal 2, input information for displaying the total amount of salary on the worker's own device, input information for displaying the worker's share on the worker's own device, input information for outputting forms used in tax returns, input information for outputting tax return documents, input information for displaying available work hours on the worker's own device, and the like.

[0064] <Employer Terminal 3> In the CPU of the employer terminal 3, an information acquisition section 71, a display control section 72, and a transmission control section 73 function during operation.

[0065] The information acquisition unit 71 acquires various types of information. For example, the information acquisition unit 71 acquires information whose input is accepted by the input unit. Examples of information whose input is accepted by the input unit include information entered to display the amount of salary received by the worker from each employer, and information entered to display the amount of worker's contribution. The information acquisition unit 71 also acquires information transmitted to the employer terminal 3. Examples of information transmitted to the employer terminal 3 include control information for displaying the amount of salary received by the worker from each employer, and control information for displaying the amount of worker's contribution.

[0066] The display control unit 72 controls the display of various information. Specifically, the display control unit 72 controls the display of various information on a display or the like of the output unit. For example, the display control unit 72 controls the display of the amount of salary received by the worker from each employer, based on control information acquired by the information acquisition unit 71 for displaying the amount of salary received by the worker from each employer. In addition, the display control unit 72 controls the display of the amount of employee's burden, based on control information acquired by the information acquisition unit 71 for displaying the amount of employee's burden. The display control unit 72 controls the display of the amount of employee's burden and the amount obtained by subtracting the amount of employee's burden from the total amount of salary, based on the control information acquired by the information acquisition unit 71 for displaying the amount of employee's burden.

[0067] The transmission control unit 73 controls the transmission of various information via the communication unit 39. For example, the transmission control unit 73 controls the transmission of various input information to the management server 1. Examples of the input information transmitted to the management server 1 include input information for displaying the amount of salary received by the worker from each employer on his / her employer terminal 3, input information for displaying the worker's share of the burden on his / her own device, and the like.

[0068] [Processing flow] FIG. 4 is a flowchart showing an example of the process flow of the management server 1. The digital account recording unit 32 records the digital accounts provided by each of the financial institution server 4 and the funds transfer service provider server 5 in the digital account DB 41 (step S1). The transfer conditions receiving unit 33 receives the transfer conditions sent from the worker terminal 2 (step S2), and the transfer conditions recording unit 342 associates the transfer conditions with the digital accounts and records them in the database (step S3). The identification information recording unit 343 associates common identification information and individual identification information that can identify the worker and records them in the identification information DB 44 (step S4).

[0069] When the salary information of the worker is transmitted from the employer terminal 3 (YES in step S5), the salary calculation unit 351 calculates the amount of salary that the worker received from each employer based on the salary information (step S6). On the other hand, if the salary information of the worker has not been transmitted (step S5: NO), the salary calculation unit 351 repeats the judgment process of step S5 until the salary information of the worker is transmitted.

[0070] The salary amount recording unit 344 associates the salary amount received from each employer with the worker's common identification information or individual identification information, and records it in the salary amount DB 45 (step S7). The salary amount calculation unit 351 calculates the total salary amount by adding up the salary amounts received from each employer calculated in step S6 (step S8). When an instruction to calculate an individual estimated amount is issued from the worker terminal 2 (step S9: YES), the salary amount calculation unit 351 calculates the individual estimated amount (step S10) and calculates the total estimated amount by adding it to the total salary amount calculated in step S8 (step S11). On the other hand, if an instruction to calculate an individual estimated amount is not issued (step S9: NO), the process proceeds to step S12.

[0071] The burden calculation unit 352 calculates the worker's burden based on the calculated salary amount (step S12). The form generation unit 371 generates a form to be used for tax reporting based on the worker's burden calculated in step S12 (step S13). The tax return generation unit 372 generates tax return documents based on the information included in the form generated in step S13 (step S14).

[0072] The working time calculation unit 353 calculates the possible working hours based on the total salary of the worker calculated in step S8 (step S15). The transfer control unit 36 ​​controls the transfer of the worker's salary to the digital account (second transfer) based on the transfer conditions set in step S2, the total salary calculated in step S8, and the worker's share calculated in step S12 (step S16).

[0073] [Specific example] <Use of the information processing system S> FIG. 5 is a schematic diagram showing a specific example of a usage mode of the information processing system S of FIG. FIG. 5 shows worker W1, companies K1 to K3 that are worker W1's employers, financial institutions B1 to B4, money transfer businesses P1 and P2, and an information processing system S.

[0074] The information processing system S shown in Figure 5 is configured to include a management server 1, a worker terminal 2 operated by a worker W1, employer terminals 3-1 to 3-3 installed in each of companies K1 to K3, a financial institution server 4 that manages various operations performed by each of financial institutions B1 to B4, and a money transfer agent server 5 that manages various operations performed by each of money transfer agents P1 and P2.

[0075] Financial institution B1 has opened digital account D1 for company K1 and digital account D2 for company K2. Financial institution B2 has opened account C3 for company K3, which is not a digital account. Financial institution B3 has opened digital accounts D3 and D4 for worker W1. Financial institution B4 has opened digital account D5 for worker W1.

[0076] A digital account D1 of company K1, which is opened at financial institution B1, is associated with an account C1 of company K1. A digital account D2 of company K2, which is opened at financial institution B1, is associated with an account C2 of company K2.

[0077] Digital account D3 for worker W1, opened at financial institution B3, is associated with account C4 for worker W1 and with fund transfer account A1 for worker W1, managed by fund transfer service provider P1. Digital account D4 for worker W1, opened at financial institution B3, is associated with fund transfer account A2 for worker W1, managed by fund transfer service provider P2. Digital account D5 for worker W1, opened at financial institution B4, is associated with account C5 for worker W1 and with fund transfer account A3 for worker W1, managed by fund transfer service provider P1.

[0078] The first transfer from company K1 is made from account C1, which is associated with digital account D1 of financial institution B1, to the financial institution server 4. The first transfer from company K2 is made from account C2, which is associated with digital account D2 of financial institution B1, to the financial institution server 4. The first transfer from company K3 is made from account C3 of financial institution B2 to the financial institution server 4.

[0079] The financial institution server 4, which has received the first transfer from each of the companies K1 to K3, makes a second transfer to each of the digital account D3 of financial institution B3, the digital account D4 of financial institution B3, and the digital account D5 of financial institution B4, in accordance with the set transfer conditions. The set transfer conditions include, as described above, the timing of the second transfer, allocation of the transfer amount of the second transfer, the priority order of the digital accounts of the second transfer destination, and the handling of transfers (for each first transfer) for each employer.

[0080] <Example of transfer conditions 1> Specifically, when the timing of the second transfer is set as the transfer condition, the transfer condition may be set to, for example, transfer daily wage, weekly holiday, every 5 days, or when the unpaid salary reaches 50,000 yen. When the allocation of the transfer amount of the second transfer is set as the transfer condition, the transfer condition may be set to, for example, transfer 20,000 yen worth of digital money to the funds transfer account A1 of the digital account D3, and transfer the remainder in cash to the account C4.

[0081] In addition, as the transfer conditions, for example, the priority order of the digital accounts of the second transfer destination is set. The transfer conditions are, for example, "funds transfer account A2 of digital account D4 should always have a digital money balance equivalent to 50,000 yen," "Accounts with larger negative amounts compared to the balance at the time of the previous second transfer are given priority," etc. In addition, when the transfer conditions are set to correspond to transfers by employer (for each first transfer), for example, the transfer conditions are set such that the salary from company K1 is transferred to account C5, and the salary from company K2 is transferred to funds transfer account A2 of digital account D4.

[0082] <Example of transfer conditions 2> FIG. 6 is a diagram showing a specific example of a case where the transfer conditions include the purpose of payment. In the example shown in Figure 6, worker W2 receives a salary from each of companies K11 to K14, and has a digital account D11 at financial institution B11 and a digital account D12 at financial institution B12. Of these, digital account D11 at financial institution B11 is associated with account C11 at financial institution B11 and a funds transfer account A11 at money transfer service provider P11. Digital account D12 at financial institution B12 is associated with account C12 at financial institution B12 and a funds transfer account A12 at money transfer service provider P12.

[0083] In such a case, worker W2 can set the following transfer conditions by operating the worker terminal 2. That is, worker W2 can set the salary from each of companies K11 and K12 to be transferred to account C11 of digital account D11, and the purpose of payment from account C11 is to pay for convenience stores. Also, worker W2 can set the salary from company K13 to be divided and transferred to account C12 of digital account D12 and fund transfer account A11 of digital account D11, and the purpose of payment from account C12 is to pay for car repairs, and the purpose of payment from fund transfer account A11 is to pay for electricity bills. In addition, worker W2 can set up his salary from company K14 to be divided and deposited into account C12 of digital account D12 and fund transfer account A12 of digital account D12, and payments from fund transfer account A12 can be divided into convenience store payments and supermarket payments.

[0084] Such transfer conditions may be selected based on the results of machine learning. For example, the results may be fed back to determine whether there are any accounts with a zero balance under certain transfer conditions. For example, when a very hot summer arrives, the transfer conditions may be improved to include a transfer condition in which a larger amount is transferred in advance to the digital account used to pay electricity bills. For example, it is also possible to recommend or select based on the due dates and amounts of various payments, the percentages of various points, coupons, etc. Furthermore, it may be possible to check where the worker W2 is making payments based on location information.

[0085] [Advantageous Effects of the Present Embodiment] According to the above-described embodiment, even if there are multiple employers employing a worker, the worker can receive his / her salary in digital money to the digital account of his / her preferred transfer destination and in the manner of his / her preferred payment method.

[0086] [Other embodiments] Although one embodiment of the present invention has been described above, the present invention is not limited to the above-described embodiment, and modifications, improvements, etc. within the scope that can achieve the object of the present invention are included in the present invention.

[0087] For example, the above-mentioned processes by each of the management server 1, employee terminal 2, employer terminal 3, financial institution server 4, and funds transfer service provider server 5 constituting the information processing system S are just examples. Furthermore, it is sufficient if the information processing system S as a whole is provided with the functionality to realize the above-mentioned processes. For this reason, some or all of the functions to realize the above-mentioned processes may be shared or coordinated within the information processing system S.

[0088] For example, some or all of the functions of the management server 1 can become the functions of other information processing devices in the information processing system S. Also, some or all of the functions of other information processing devices in the information processing system S can become the functions of the management server 1. Furthermore, some or all of the functions of the management server 1 may be transferred to other servers (not shown). This promotes processing in the information processing system S as a whole and also enables the processes to complement each other.

[0089] For example, the above-mentioned series of processes can be executed by hardware or software. In other words, the above-mentioned functional configuration is merely an example and is not particularly limited. In other words, it is sufficient that the information processing system is provided with a function capable of executing the above-mentioned series of processes as a whole, and the type of functional block used to realize this function is not particularly limited to the above-mentioned example.

[0090] In addition, the location of the functional block is not particularly limited and may be arbitrary. For example, the functional block of the management server 1 may be transferred to another device, etc. The functional block of another device may be transferred to a server, etc. In addition, one functional block may be configured as a single piece of hardware, may be configured as a single piece of software, or may be configured as a combination of both.

[0091] When a series of processes is executed by software, the programs constituting the software are installed in a computer or the like from a network or a storage medium. The computer may be a computer built into dedicated hardware. The computer may also be a computer capable of executing various functions by installing various programs, such as a server, a general-purpose smartphone, or a personal computer.

[0092] The storage medium containing such a program may be constituted not only by a removable medium (not shown) that is distributed separately from the device main body in order to provide the program to the user, etc., but also by a storage medium etc. that is provided to the user in a state in which it is pre-installed in the device main body. Since the program can be distributed via a network, the storage medium may be mounted on or accessible to a computer that is connected or connectable to the network.

[0093] In this specification, the steps describing the program recorded on the storage medium include not only processes performed in chronological order, but also processes that are not necessarily performed in chronological order but are performed in parallel or individually. In addition, in this specification, the term "system" refers to an overall device composed of multiple devices, multiple means, etc.

[0094] In other words, the information processing device to which the present invention is applied can take various forms having the following configurations. (1) That is, an information processing device to which the present invention is applied (e.g., the management server 1 in FIG. 1) includes a digital account storage means (e.g., the digital account DB 41 in FIG. 3) for storing at least one digital account to which a worker's salary is to be transferred in digital money; A transfer condition receiving means (e.g., the transfer condition receiving unit 33 in FIG. 3) that receives a request for transfer conditions related to the transfer from the worker; A transfer condition storage means (for example, the transfer condition DB of FIG. 3) for storing the transfer conditions; A salary calculation unit (e.g., the salary calculation unit 351 in FIG. 3) for calculating a total salary by adding up the salaries obtained from at least one employer; A transfer control means (e.g., the transfer control unit 36 ​​in FIG. 3) that controls the transfer of the total salary amount to the digital account based on the transfer conditions; has. This allows workers to receive their wages in digital money in the digital account of their choice and in the manner of their choice, even if they have multiple employers who employ them.

[0095] (2) In addition, in the information processing device, the transfer conditions may include one or more of the timing of the transfer, the ratio of the transfer amount for each transfer destination, the priority of the transfer destinations, and identification of the transfer destinations for each employer. This allows workers to receive their wages in digital money in the transfer format of their choice.

[0096] (3) The information processing device further includes an identification information storage means (e.g., an identification information DB 44 in FIG. 3) that stores common identification information that can identify the worker and is common regardless of the employer, individual identification information that is unique to each employer, and the employer in association with each other; The salary calculation means may calculate the total salary from the plurality of employers based on the correspondence between the common identification information and the individual identification information stored in the identification information storage means. This allows workers to see the full amount of pay they are actually receiving.

[0097] (4) Furthermore, the salary calculation means may calculate the total salary by adding up the salary amounts for each of the digital accounts. This allows salary payments from multiple employers to be pooled together as digital money and then distributed and deposited into one or more digital accounts.

[0098] (5) In the information processing device, the salary calculation means may calculate the salary obtained from the employer based on attendance information regarding the attendance of the worker obtained from the employer. This allows employees' attendance evaluations to be reflected in their salary amounts.

[0099] (6) In the information processing device, the transfer condition receiving means receives a request for advance payment of a salary amount including an advance payment amount as the transfer condition, The transfer control means may control the transfer of the prepaid amount to the digital account. This allows workers to request irregular transfers such as advances on their wages or loans.

[0100] (7) The information processing device further includes a burden calculation means (e.g., the burden calculation unit 352 in FIG. 3) for calculating an employee burden including at least one of the amount of tax and the amount of social insurance premiums to be borne by the employee based on the total salary amount, The transfer control means may control the transfer to the digital account based on the transfer conditions, the total salary amount, and the employee contribution amount. This makes it possible to calculate the amount of tax and social insurance premiums that workers must pay all at once.

[0101] (8) In addition, the information processing device may further include a report generation means (e.g., report generation unit 371 in FIG. 3) that generates a report to be used for tax reporting based on the total salary amount, the tax, and the amount of social insurance premiums. This allows documents used for tax returns to be prepared all at once.

[0102] (9) The information processing device may further include tax return generation means (eg, tax return generation unit 372 in FIG. 3) that generates tax return documents based on information included in the generated form. This allows tax return documents to be prepared all at once.

[0103] (10) The information processing device may further include an accumulated total salary calculation means (accumulated total salary calculation unit 354 in FIG. 3) for calculating an accumulated total salary of the total salary amount transferred by the transfer control means during a predetermined period. This allows workers to, for example, understand their own work over a specific period of time and check the appropriateness of their wages.

[0104] (11) In addition, in the information processing device, the cumulative total amount of salary to be deposited during the specified period may include the amount of salary that has already been deposited, the amount of salary for which a labor claim has arisen but has not yet been deposited, and the expected amount of salary for work that has been decided to be performed. This allows workers to check the cumulative total of their digital wages. In addition, as compensation for work that has been scheduled (for example, part-time shift work) is calculated, workers can know the amount of their wages to be advanced, etc.

[0105] (12) In the information processing device, the accumulated total salary calculation means may calculate the expected salary based on at least one of the worker's current salary and the minimum wage in the area where the worker lives. As a result, when calculating the individual estimated amount, the worker's current wage and the minimum wage in the area where the worker lives are taken into consideration, making it possible to calculate an individual estimated amount based on the worker's current situation.

[0106] (13) The information processing device may further include a working hour calculation means (e.g., working hour calculation unit 353 in FIG. 3) for calculating the additional working hours that the worker can work by comparing the accumulated total salary amount with the upper limit of the total income amount subject to the spouse deduction or dependent deduction. This saves workers the trouble of calculating their available working hours.

[0107] (14) In addition, in the information processing device, the working hour calculation means may calculate the possible working hours within a range in which the total salary amount is subject to the spouse deduction or the dependent deduction in each of the areas where the worker resides and where the worker is expected to reside. This will, for example, eliminate the need to calculate available working hours even if a worker changes their place of residence due to moving or other reasons.

[0108] (15) The information processing method further includes a digital account storage step of storing one or more digital accounts to which a worker's salary is to be transferred when the worker's salary is transferred in digital money; a transfer conditions receiving step of receiving a request for transfer conditions regarding the transfer from the worker; A transfer condition storage step for storing the transfer conditions; a salary calculation step of calculating a total salary by adding up the salary amounts obtained from at least one employer; a transfer control step of controlling the transfer of the total salary amount to the digital account based on the transfer conditions; The present invention relates to an information processing method.

[0109] (16) The program also includes a digital account storage step of storing one or more digital accounts to which the worker's salary is to be transferred when the worker's salary is to be transferred in digital money; a transfer conditions receiving step of receiving a request for transfer conditions regarding the transfer from the worker; A transfer condition storage step for storing the transfer conditions; a salary calculation step of calculating a total salary by adding up the salary amounts obtained from at least one employer; a transfer control step of controlling the transfer of the total salary amount to the digital account based on the transfer conditions; It is a program that causes a computer to execute a process including the steps of: [Explanation of symbols]

[0110] 1: Management server, 2: Worker terminal, 3: Employer terminal, 4: Financial institution server, 5: Funds transfer company server, 31: Information acquisition unit, 32: Digital account recording unit, 33: Transfer conditions acceptance unit, 35: Calculation unit, 351: Salary amount calculation unit, 36: Transfer control unit, 38: Transmission control unit, 41: Digital account DB, 42: Salary information DB, 43: Transfer conditions DB, N: Network.

Claims

1. An account storage means that stores accounts at at least one financial institution to which the worker's salary is transferred, A means for receiving requests from the worker regarding the transfer conditions related to the aforementioned transfer, A transfer condition storage means for storing the aforementioned transfer conditions, A salary calculation means for calculating a total salary amount obtained by summing up the salary amounts from multiple employers, An identification information storage means that stores in association the following: common identification information that can identify the worker and is common regardless of the employer; individual identification information that can identify the worker and is unique to each employer; and the employer. It has, The salary calculation means calculates the total salary amount from multiple employers based on the correspondence between the common identification information and the individual identification information stored in the identification information storage means. Information processing device.

2. A digital account storage means that stores at least one digital account which is the recipient when transferring an employee's salary using digital money, A means for receiving requests from the worker regarding the transfer conditions related to the aforementioned transfer, A transfer condition storage means for storing the aforementioned transfer conditions, A salary calculation means for calculating a total salary amount obtained by summing up the salary amounts from multiple employers, An identification information storage means that stores in association the following: common identification information that can identify the worker and is common regardless of the employer; individual identification information that can identify the worker and is unique to each employer; and the employer. It has, The salary calculation means calculates the total salary amount from multiple employers based on the correspondence between the common identification information and the individual identification information stored in the identification information storage means. Information processing device.

3. The account storage means further stores at least one digital account which is the recipient of the transfer of the worker's salary, The system further includes a transfer control means that controls the transfer of the total salary amount based on the transfer conditions, The transfer control means controls the distribution and transfer of the total salary amount to the digital account and the bank account based on the transfer conditions. The information processing apparatus according to claim 1.

4. A transfer control means that controls the transfer of the total salary amount to the digital account based on the transfer conditions, The information processing apparatus according to claim 2, further comprising the above.

5. The transfer conditions include one or more of the following: the timing of the transfer, the ratio of the transfer amount for each recipient, the priority of the recipients, and the identification of each recipient for each employer. The information processing apparatus according to claim 1 or 2.

6. The salary calculation means calculates the total salary amount by summing the salary amounts for each account or digital account. The information processing apparatus according to claim 1 or 2.

7. The salary calculation means calculates the salary amount obtained from the employer based on attendance information relating to the employee's attendance, which is obtained from the employer. The information processing apparatus according to claim 1 or 2.

8. The aforementioned transfer condition acceptance means accepts, as transfer conditions, a request for advance payment of the salary amount including the advance payment amount. The transfer control means controls the transfer of the prepayment amount to the account or digital account. The information processing apparatus according to claim 3 or 4.

9. The system further includes a means for calculating the amount of the worker's burden, which includes at least one of the amount of taxes and social insurance contributions borne by the worker, based on the total amount of wages mentioned above. The transfer control means controls the transfer to the account or digital account based on the transfer conditions, the total salary amount, and the employee's contribution amount. The information processing apparatus according to claim 3 or 4.

10. The system further includes a document generation means for generating documents used in tax filing based on the total salary amount, the taxes, and the social insurance contributions. The information processing apparatus according to claim 9.

11. The system further includes a tax return generation means that generates tax return documents based on the information contained in the generated forms, The information processing apparatus according to claim 10.

12. The system further includes a cumulative total salary calculation means for calculating the cumulative total salary amount of the total salary amounts transferred over a predetermined period by the transfer control means. The information processing apparatus according to claim 3 or 4.

13. The cumulative total salary amount of the total salary amount paid during the predetermined period includes the salary amount already paid, the salary amount for which a labor claim has arisen but has not yet been paid, and the estimated salary amount for work that has been decided to be performed. The information processing apparatus according to claim 12.

14. The cumulative total wage calculation means calculates the estimated wage amount based on at least one of the worker's current wage and the minimum wage of the area in which the worker resides. The information processing apparatus according to claim 13.

15. The system further includes a means for calculating working hours by comparing the cumulative total salary amount with the upper limit of the total income amount eligible for spousal deduction or dependent deduction, thereby calculating the additional working hours that the worker can work. The information processing apparatus according to claim 13.

16. The means for calculating working hours calculates the available working hours in each of the areas where the worker resides and the areas where the worker is expected to reside, within the range where the total salary is eligible for the spousal deduction or the dependent deduction. The information processing apparatus according to claim 15.

17. An information processing method performed by an information processing device, An account storage step that stores at least one or more financial institution accounts to which the employee's salary will be transferred, A transfer conditions acceptance step in which the worker submits a request for transfer conditions related to the aforementioned transfer, A transfer condition storage step that stores the aforementioned transfer conditions, A salary calculation step that calculates the total salary amount by summing the salary amounts received from multiple employers, An identification information storage step involves storing, in association, the following: common identification information that can identify the worker and is common regardless of the employer; individual identification information that can identify the worker and is unique to each employer; and the employer. Includes, In the salary calculation step, the total salary amount from multiple employers is calculated based on the correspondence between the common identification information stored in the identification information storage step and the individual identification information. Information processing methods.

18. An account storage step that stores at least one or more financial institution accounts to which the employee's salary will be transferred, A transfer conditions acceptance step in which the worker submits a request for transfer conditions related to the aforementioned transfer, A transfer condition storage step that stores the aforementioned transfer conditions, A salary calculation step that calculates the total salary amount by summing the salary amounts received from multiple employers, An identification information storage step involves storing, in association, the following: common identification information that can identify the worker and is common regardless of the employer; individual identification information that can identify the worker and is unique to each employer; and the employer. Includes, In the salary calculation step, the total salary amount from multiple employers is calculated based on the correspondence between the common identification information stored in the identification information storage step and the individual identification information. A program that causes a computer to perform a process.

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