Information processing method, program, and information processing device

Abstract

To improve usability of digital payroll services or streamline a system.SOLUTION: An information processing method disclosed herein involves causing an information processing device to perform the steps of acquiring purchase information on purchase of a product or service by a user, acquiring wok information on a work schedule of the user, associating the purchase information with the work information, and paying at least a portion of price information of the product or service included in the purchase information using salary amount information associated with the work indicated by the work information.SELECTED DRAWING: Figure 1

Description

[Technical Field]

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

[0002] Services related to digital salary payments have been known in the past, and one known technology involves generating detailed information based on customer information and balance information, including information indicating the deposit transfer destination and amount of the security deposit corresponding to each customer's salary money balance, and sending a security deposit payment request including the generated detailed information to a bank that has been entrusted with the security deposit payment work for the customer (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Patent No. 7322314 Summary of the Invention [Problem to be solved by the invention]

[0004] However, there is still room for improvement in digital payroll services, and there is a need to improve usability and system efficiency.

[0005] Therefore, the present disclosure aims to provide an information processing method, program, and information processing device that can improve the usability of digital payroll-related services or increase the efficiency of the system. [Means for solving the problem]

[0006] An information processing method according to one embodiment of the present disclosure includes an information processing device acquiring purchase information regarding a user's purchase of goods or services, acquiring work information regarding the user's planned work, matching the purchase information with the work information, and paying at least a portion of the price information of the goods or services included in the purchase information with the price information of the salary for the work indicated in the work information. [Brief explanation of the drawings]

[0007] [Figure 1] 1A to 1C are diagrams illustrating an example of a configuration of an information processing system according to one aspect of the disclosed technology, an example of a hardware configuration of a server according to the present disclosure, and an example of a block diagram illustrating an example of a hardware configuration of a terminal according to the present disclosure. [Figure 2] FIG. 3 is a diagram showing an example of user information according to the first embodiment. [Figure 3] FIG. 3 is a diagram showing an example of account information according to the first embodiment. [Figure 4] FIG. 4 is a diagram showing an example of payment information according to the first embodiment. [Figure 5] FIG. 2 is a diagram showing an example of transaction information according to the first embodiment. [Figure 6] FIG. 3 is a diagram showing an example of work information according to the first embodiment. [Figure 7] FIG. 2 is a diagram showing an example of a processing sequence of the information processing system according to the first embodiment. [Figure 8] FIG. 10 is a diagram showing an example of a salary receiving method selection displayed on the screen of the terminal according to the first embodiment. [Figure 9] FIG. 10 is a diagram showing an example of a processing sequence of an information processing system according to a second embodiment. [Figure 10] FIG. 10 is a diagram showing an example of deposit and withdrawal history information displayed on the screen of the terminal related to the second embodiment. [Figure 11] FIG. 11 is a diagram illustrating an example of a processing sequence of an information processing system according to a third embodiment. [Figure 12] A figure showing an example of information regarding the count value of a digital salary account displayed on the screen of a terminal related to the third embodiment. [Figure 13] FIG. 10 is a diagram showing an example of a processing sequence of an information processing system according to a fourth embodiment. [Figure 14] FIG. 11 is a diagram showing an example of a screen transition for paying the purchase price of a product with labor compensation, displayed on the screen of a terminal according to the fourth embodiment. DETAILED DESCRIPTION OF THE INVENTION

[0008] <Legal compliance> The disclosures described herein are implemented in compliance with the laws and regulations of each country in which the disclosures are implemented, and are implemented with all changes, substitutions, variations, modifications, or alterations that a person skilled in the art may make that are necessary to comply with the laws and regulations of each country.

[0009] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An information processing method, a program, and an information processing device according to the present disclosure will be described with reference to the accompanying drawings. <System configuration>

[0010] 1 discloses the configuration of an information processing system 1 according to the disclosed technology. In the information processing system 1, servers 110A, 110B, terminals 120A, 120B, and 130, and a server 150 that cooperates with server 110A are connected via a network 140. For example, by cooperating with server 150, server 110A can obtain information related to services provided by server 150 (for example, payment services, e-commerce services, banking services, etc.).

[0011] When there is no need to distinguish between server 110A and server 110B, server 110A and server 110B may each be expressed as server 110. Note that the number of servers 110 connected to network 140 is not limited.

[0012] When there is no need to distinguish between terminal 120A and terminal 120B, terminal 120A and terminal 120B may each be expressed as terminal 120. Note that the number of terminals 120 connected to network 140 is not limited.

[0013] The terminal 130 includes a device used by a business operator to set up job information and recruit workers. Job offers may include short-term work, also known as spot work or part-time work. The number of terminals 130 connected to the network 140 is not limited.

[0014] The server 110 provides predetermined services to the terminal 120 used by the user via the network 140. Examples of predetermined services include, but are not limited to, payment services, financial services, e-commerce services, social networking services (SNS) such as instant messaging services, and content provision services such as music, videos, and books. The server 150 may, for example, build an e-commerce platform and provide e-commerce services to the terminal 120, or may provide banking services by a financial institution. The servers 110 and 150 may each provide one or more services individually, or multiple servers may each provide one or more services. The servers 110 and 150 provide their respective services to one or more terminals 120, allowing users to use the respective services via the terminal 120.

[0015] As necessary, the terminal used by user X will be referred to as terminal 120X, and information associated with the user in a predetermined service, which is associated with user X or terminal 120X, will be referred to as user information X. User information may include, but is not limited to, information associated with the user, such as the user's name, user icon image, user age, user gender, user address, user hobbies and interests, and user identifier, which is input by the user or assigned by the predetermined service, balance information of electronic value (electronic money) associated with the user, credit card information (such as a credit card number) associated with the user, and the like.

[0016] The network 140 connects two or more servers 110, 150 or two or more terminals 120. The network 140 provides a connection path so that the terminal 120 can connect to the servers 110, 150 and then transmit and receive data.

[0017] One or more portions of network 140 may be a wired network or a wireless network. Network 140 may be, for example and without limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless LAN (WLAN), a wide area network (WAN), a wireless WAN (WWAN), a metropolitan area network (MAN), a portion of the Internet, a portion of the public switched telephone network (PSTN), a cellular network, Integrated Service Digital Networks (ISDNs), wireless LANs, Long Term Evolution (LTE), Code Division Multiple Access (CDMA), Bluetooth, satellite communications, or any combination thereof. Network 140 may include one or more networks 140.

[0018] Servers 110, 150 and terminals 120, 130 may be any information processing device capable of implementing the processes, functions, or methods described in this disclosure.

[0019] Servers 110, 150 and terminals 120, 130 may be, for example and without limitation, smartphones, mobile phones (feature phones), computers (for example and without limitation, desktops, laptops, tablets, etc.), server devices, media computing platforms (for example and without limitation, cable, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (for example and without limitation, PDAs (Personal Digital Assistants), email clients, etc.), wearable devices (for example and without limitation, glasses-type devices, watch-type devices, etc.), other types of computers, or communication platforms, or any combination thereof.

[0020] <Hardware configuration of each information processing device> (1) Server hardware configuration The hardware configuration of the server 110 included in the information processing system 1 will be described with reference to FIG.

[0021] The server 110 includes a processor 111, a memory 112, a storage 113, an input / output interface (input / output I / F) 114, an input device 115, an output device 116, and a transmitter / receiver 117. The hardware components of the server 110 are connected to each other via a bus B, for example and not by way of limitation.

[0022] The server 110 realizes the processes, functions, or methods described in this disclosure through cooperation between the processor 111, memory 112, storage 113, input / output I / F 114, and transceiver 117.

[0023] The processor 111 executes processes, functions, or methods implemented by code or instructions included in a program stored in the storage 113. The processor 111 may include, but is not limited to, one or more central processing units (CPUs), microprocessing units (MPUs), graphics processing units (GPUs), microprocessors, processor cores, multiprocessors, application-specific integrated circuits (ASICs), field programmable gate arrays (FPGAs), etc., and may implement the processes, functions, or methods disclosed in each embodiment using logic circuits (hardware) or dedicated circuits formed in integrated circuits (IC (Integrated Circuit) chips, LSIs (Large Scale Integration)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0024] The memory 112 temporarily stores the program 1120 loaded from the storage 113 and provides a working area for the processor 111. The memory 112 also temporarily stores various data generated while the processor 111 is executing the program. The memory 112 may be, for example, but not limited to, a random access memory (RAM), a read only memory (ROM), or a combination of these. The storage 113 stores programs and various data. The storage 113 may be, for example, but not limited to, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0025] The input / output I / F 114 is connected to an input device 115 for inputting various operations to the server 110 and an output device 116 for outputting the results of processing performed by the server 110 .

[0026] The input device 115 is realized by any one of all types of devices or a combination thereof that can receive input from a user and transmit information related to the input to the processor 111 via the input / output I / F 114. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0027] The output device 116 may be any of a variety of devices capable of outputting the processing results of the processor 111 via the input / output I / F 114, or a combination thereof. When the processing results are output as video or video images, the output device 116 may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. The output device 116 may be, but is not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0028] The input device 115 and the output device 116 may be integrated, or may be separate devices.

[0029] The transmitting / receiving unit 117 transmits and receives various data via the network 140. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication is possible. The transmitting / receiving unit 117 has a function of communicating with other information processing devices via the network 140. The transmitting / receiving unit 117 transmits various data to other information processing devices in accordance with instructions from the processor 111. The transmitting / receiving unit 117 also receives various data transmitted from other information processing devices and transmits it to the processor 111. Note that the server 150 has the same devices as the server 110, and therefore a description thereof will be omitted.

[0030] (2) Hardware configuration of the terminal 120 The hardware configuration of the terminal 120 included in the information processing system 1 will be described with reference to FIG.

[0031] The terminal 120 includes a processor 121, a memory 122, a storage 123, an input / output I / F 124, an input device 125, an output device 126, a transmitter / receiver 127, and a reader 128. The hardware components of the terminal 120 are connected to each other via a bus B, for example and not by way of limitation.

[0032] The terminal 120 realizes the processing, functions, or methods described in this disclosure through cooperation between the processor 121, memory 122, storage 123, input / output I / F 124, input device 125, output device 126, transceiver 127, and reader 128.

[0033] The processor 121 executes processes, functions, or methods implemented by codes or instructions included in a program stored in the storage 123. The processor 121 may include, but is not limited to, a central processing unit (CPU), a microprocessing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., and may implement the processes, functions, or methods disclosed in each embodiment using a logic circuit (hardware) or a dedicated circuit formed in an integrated circuit (an integrated circuit (IC) chip, a large-scale integration (LSI)), etc. Furthermore, these circuits may be implemented using one or more integrated circuits, and multiple processes described in each embodiment may be implemented using a single integrated circuit. Furthermore, LSIs may be referred to as VLSIs, super LSIs, ultra LSIs, etc. depending on the degree of integration.

[0034] The memory 122 temporarily stores the program 1221 loaded from the storage 123 and provides a working area for the processor 121. The memory 122 also temporarily stores various data generated while the processor 121 is executing the program 1221. The memory 122 may be, for example and without limitation, a random access memory (RAM), a read only memory (ROM), or the like, or a combination of these.

[0035] The storage 123 stores programs and various data. The storage 123 may be, for example and without limitation, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, or a combination of these.

[0036] The input / output I / F 124 is connected to an input device 125 for inputting various operations to the terminal 120 and an output device 126 for outputting the results of processing performed by the terminal 120 .

[0037] The input device 125 is realized by any one of or a combination of all types of devices that can receive input from a user and transmit information related to the input to the processor 121. The input device may be, but is not limited to, a touch panel, a touch display, hardware keys such as a keyboard, a pointing device such as a mouse, a camera (for inputting operations via images), a microphone (for inputting operations via voice), or a combination of these.

[0038] The output device 126 may be any of a variety of devices capable of outputting the processing results of the processor 121, or a combination thereof. When the processing results are output as video or video images, the output device may be any of a variety of devices capable of displaying display data written to a frame buffer, or a combination thereof. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (such as, but not limited to, a liquid crystal display or an organic electroluminescence display (OLED)), a head-mounted display (HMD), projection mapping, a hologram, a device capable of displaying images, text information, etc. in air (or a vacuum), a speaker (audio output), a printer, or a combination thereof. These output devices may also be capable of displaying display data in 3D.

[0039] The input device 125 and the output device 126 may be integrated, or may be separate devices.

[0040] The transmitting / receiving unit 127 transmits and receives various data via the network 140. The communication may be performed either wired or wirelessly, and any communication protocol may be used as long as mutual communication is possible. The transmitting / receiving unit 127 has a function of communicating with other information processing devices via the network 140. The transmitting / receiving unit 127 transmits various data to other information processing devices in accordance with instructions from the processor 121. The transmitting / receiving unit 127 also receives various data transmitted from other information processing devices and transmits it to the processor 121. Note that the terminal 130 has the same devices as the terminal 120, and therefore a description thereof will be omitted.

[0041] (3) Other Cloud computing, which is configured by one or more information processing devices, may implement at least a part of the processes, functions, or methods of the servers 110 and 150 or the terminal 120.

[0042] Another information processing device may implement at least a part of the processing, functions, or methods of the server 110, 150, or the terminal 120. In this case, a processor of the other information processing device may implement at least a part of the processing implemented by the processor 111 or the processor 121.

[0043] A program for executing the processes of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium." The program may be, for example and without limitation, a software program or a computer program.

[0044] The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) (such as, by way of example and not limitation, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc.), hard disk drives (HDDs), hybrid hard drives (HHDs), optical disks, optical disk drives (ODDs), magneto-optical disks, magneto-optical drives, floppy diskettes, floppy disk drives (FDDs), magnetic tape, solid state drives (SSDs), RAM drives, secure digital cards or drives, any other suitable storage media, or combinations thereof. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile.

[0045] Furthermore, the program of the present disclosure may be provided to the server 110, 150 or the terminal 120 via any transmission medium (such as a communication network or broadcast waves) capable of transmitting the program.

[0046] Furthermore, each embodiment of the present disclosure may also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

[0047] In addition, the programs of the present disclosure may be implemented using, for example and without limitation, scripting languages ​​such as JavaScript (registered trademark) and Python, C language, Go language, Swift (registered trademark), Kotlin (registered trademark), Java (registered trademark), etc.

[0048] <Other> Unless explicitly stated otherwise, the judgment configuration in the embodiments of the present disclosure is not required, and a predetermined process may be performed when the judgment condition is met, or when the judgment condition is not met.

[0049] The present disclosure encompasses all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the present disclosure. The appended claims also encompass all changes, substitutions, variations, alterations, or modifications that a person skilled in the art may make to the claims. Furthermore, the present disclosure encompasses any combination, that a person skilled in the art may make, of one or more features of an embodiment or example in the present disclosure with one or more features of another embodiment or example in the present disclosure.

[0050] In addition, references in the appended claims to an apparatus or system, or a component of an apparatus or system, that is adapted, arranged, capable, configured, enabled, operable, or capable of performing a particular process, function, or method encompass that apparatus, system, or component, so long as the apparatus, system, or component is so adapted, arranged, capable, configured, enabled, enabled, or operable, regardless of whether the apparatus, system, component, or a particular function thereof is activated, turned on, or unlocked.

[0051] Unless otherwise specified, the present disclosure may obtain consent from a user in advance or immediately before implementing any embodiment or example of the present disclosure, and the consent obtained may be comprehensive or may be obtained on a case-by-case basis.

[0052] First Embodiment The first embodiment is an embodiment that increases the variety of ways in which a user can receive their salary by, for example, selecting at least one payment method from multiple payment methods from the server, including advance payment, payment as a digital salary (received by the user), etc., when receiving a salary (which can also be expressed as wages or compensation) as compensation for the user's labor.

[0053] According to the first embodiment, users can choose to receive their salary by advance payment, digital salary payment, funds transfer account, or payment to a bank account, thereby increasing the variety of ways users can receive their salary and improving usability.

[0054] <Configuration of the first embodiment> The configuration of the server 110 and the terminal 120 will be described with reference to FIG. (1) Server configuration The server 110 includes a processor 111 , a memory 112 , a storage 113 , an input / output I / F 114 , an input device 115 , an output device 116 , and a transmission / reception unit 117 .

[0055] The processes, functions, or methods that can be executed by the processor 111 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0056] The input / output I / F 114 receives various setting operations and the like from the business operators who operate the various services provided by the server 110 via the input device 115 or the output device 116 .

[0057] The transmitting / receiving unit 117 transmits and receives data to and from the terminal 120, etc., in accordance with instructions from the processor 111. Note that the transmitting / receiving unit 117 connects a communication session with the terminal 120, etc., using HTTPS, etc., when the user of the terminal 120, etc., is authenticated, for example, by a user ID and password included in a login request from the terminal 120, etc. Then, the transmitting / receiving unit 117 stores the communication address, user ID, etc. of the terminal 120, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 117 transmits data to the terminal 120, etc., using the connected communication session.

[0058] In an embodiment, memory 112 stores programs 1120, user information 1121, account information 1122, payment information 1123, transaction information 1124, labor information 1125, a payment control module 1126, a transaction control module 1127, a payment control module 1128, a labor control module 1129, and data structures, or a subset thereof. Note that the information stored in memory 112 may be stored in another storage device (e.g., storage 113).

[0059] As described above, the program 1120 is a program loaded from the storage 113 and includes instructions related to the processing in the embodiment. The program 1120 may also include instructions for executing processing to provide an e-commerce service and / or a payment service to a user.

[0060] The user information 1121 includes information about users registered with a payment service that performs electronic payments. The user information 1121 may be shared with businesses that provide e-commerce platforms.

[0061] FIG. 2 shows an example of user information 1121 according to the first embodiment. The user information manages information about each member user created by the payment service provider that operates and manages the payment service. "User ID" includes user identification information (user ID: Identifier) ​​that allows the server 110 to uniquely identify the user. "Email address" includes the email address registered by the user. "Name" includes the user's name. "Occupation" includes the occupation registered by the user. In addition to the above examples, the user information may also include annual income, address, date of birth, whether or not the user has an electric power operator's license, and, if present, the driver's license number.

[0062] FIG. 3 shows an example of account information 1122 according to the first embodiment. The account information manages information related to each user's account created by, for example, a payment service provider. The payment service provider may be, for example, a party that operates and manages an electronic commerce platform. "User ID" includes user identification information that allows the server 110 to uniquely identify the user. "Password" includes a password for user authentication. "Balance" includes the balance of electronic money (or electronic value) in the account held by the user. Electronic money is, for example, a monetary value that is digitized from cash and can be used for payment.

[0063] In the example shown in FIG. 3, the balance includes the charge amount, sales amount (profit), points 1, points 2, etc. These types are merely examples and are not limited to these. The charge amount indicates, for example, the amount that a user deposits from their own bank account to an account created by a payment service provider. Sales amount indicates, for example, the profits that a user earns by listing and selling products on a linked e-commerce platform. Points 1 are, for example, points that a user earns by converting sales amount, and are points that can be used on a linked e-commerce platform. Points 2 are, for example, points that a third party, such as a payment service provider, grants, and are points that can be used on a linked e-commerce platform.

[0064] The user can charge any amount to the account balance once they have completed identity verification by entering their bank account information in the application provided by the payment service provider and associating their user ID with their bank account. Note that the charge amount can also be charged at convenience stores and other locations in addition to bank accounts. Hereinafter, if identity verification based on the Act on Prevention of Transfer of Criminal Proceeds has been completed, it will be referred to as "after identity verification," and if identity verification has not been completed, it will be referred to as "before identity verification."

[0065] Points 1 are paid points converted from sales revenue in order for users to conduct transactions on the e-commerce platform before the bank connection, and an expiration date may be set for Points 1. The expiration date may be six months, for example. After the bank connection, Points 1 can be withdrawn from sales revenue, so there is no need to convert them into new Points 1 and hold them. Therefore, Points 1 held before the bank connection will gradually decrease with use. Note that a bank connection is a state in which a user's account is associated with the bank account held by the user.

[0066] Point 2 is a free point distributed or granted as a benefit by a payment service provider, etc., and an expiration date may be set for Point 2. The expiration date for Point 2 may be set to be shorter than the expiration date for Point 1.

[0067] The salary balance includes balance information of the digital salary account that the user receives as compensation for work. An upper limit is set for the balance information of the digital salary account by the business operator, the user, etc., and if the salary balance exceeds the upper limit, the excess amount may be paid out to a specified bank account or a specified electronic money account (e.g., a charge amount).

[0068] The loan amount (loan) represents, for example, the amount loaned to a user based on a loan agreement from a payment service provider, etc. The loaned money is generally legal tender, but may also include points, crypto assets, etc.

[0069] The payment information 1123 includes information on payments for products etc. that have been completed (settlement completed) at a store or on an e-commerce platform, as well as payments in progress such as deferred payment. The payment information 1123 may also include only payments that have been completed, and transactions in progress may be managed as separate data.

[0070] FIG. 4 shows an example of payment information 1123 according to the first embodiment. The payment information may be any information related to payment. For example, it is information generated by a payment terminal when a user purchases a product and transmitted to the server 110. The "payment ID" includes identification information (payment ID) for identifying the payment. The "date and time" includes the date and time when the electronic payment was requested or the date and time when the electronic payment was completed. Examples of electronic payments include payments using two-dimensional codes and credit card payments. The "store ID" includes store information (also referred to as the store ID) of the store where the electronic payment was made. Note that if the store has multiple POS terminals, the store ID may be the ID of the POS terminal. The "payment amount" includes the amount paid when the electronic payment was made. The "payment method" includes information on the payment method used for the payment. The payment method may be, for example, a lump-sum payment, a deferred payment in which a lump sum is paid in the following month or later, a fixed-amount deferred payment in which a fixed amount is settled in the following month or later, a convenience store payment, a credit card payment, a balance payment, or a bonus payment. In addition, multiple payment methods may be selected for one payment. The "status" includes information indicating "completed" if the payment (clearance) has been completed, and information indicating "not completed" if the payment has not been completed. The payment information may also include debit information, remittance information, production information, etc.

[0071] If the server 110 cooperates with the e-commerce service provided by the e-commerce platform, the transaction information 1124 includes transaction information related to the purchase and sale of goods on the e-commerce platform.

[0072] FIG. 5 shows an example of transaction information 1124 according to the first embodiment. "Seller ID" includes the user ID of the seller user. "Product Name" includes the name of the product. "Description" includes a description of the product. "Price" includes the selling price of the product. Note that "Product Name," "Description," and "Price" are included in the product listing information, and other information may also be included in the listing information. "Listing Time" includes the time the product was listed. "Status" includes the status of the transaction in e-commerce. Status may include "In Transaction," which indicates that a transaction is currently underway, "In Negotiation," which indicates that negotiations are underway with the buyer user, or "Completed," which indicates that the item has been sold. "Purchaser ID" includes the user ID of the user who purchased the item. "Payment Method" includes the payment method used by the purchaser to purchase the item.

[0073] When the server 110 cooperates with a job matching service provided by a job matching business, the labor information 1125 includes labor information 1125 for the job matching for each user matched by the job matching service.

[0074] FIG. 6 is a diagram showing an example of work information 1125 according to the first embodiment. The "user ID" in the work information includes user identification information. The work information 1125 includes information such as "job offer ID," "location," "working dates," "working hours," and "salary" associated with the user ID. Note that while "salary" is used in the example shown in FIG. 6, "hourly wage" may also be used, or "salary" may be calculated by multiplying "hourly wage" and "working hours."

[0075] "Job ID" includes identification information that identifies the matched job. "Location" includes the user's work location. "Work date" includes the day the user will (or did) work. "Working hours" includes the user's working hours on the job posting date. "Hourly wage" includes the hourly wage for the job. In addition, the usage history information may include information about the "business" and evaluation information for the work. The hourly wage may vary based on the user's attribute information and behavioral information.

[0076] Returning to Figure 1, the payment control module 1126 stored in the memory 112 is executed by one or more processors 111 to perform payment processing when each user purchases a product at each affiliated store, payment processing when each user purchases a product on the e-commerce platform, etc. For example, payment processing at a store is managed using the payment information shown in Figure 4, and payment processing on the e-commerce platform is managed using the transaction information shown in Figure 5.

[0077] Furthermore, when an e-commerce platform is provided by a payment service provider, the transaction control module 1127 stored in the memory 112 is executed by one or more processors 111 to control buying and selling transactions on the e-commerce platform. For example, the transaction control module 1127 controls user registration, listing processing, buying and selling transaction processing, evaluation processing, electronic value management processing, etc. on the e-commerce platform. The transaction control module 1127 may be provided on a server of another service provider.

[0078] Furthermore, the settlement control module 1126, transaction control module 1127, and payment control module 1128 stored in memory 112 may execute a process of lending a predetermined amount to a user based on a loan agreement in response to a request from the user. For example, the settlement control module 1126, transaction control module 1127, and payment control module 1128 execute processes such as acquiring information necessary for lending, screening, and lending. Note that at least a part of the processes for acquiring information necessary for lending, screening, and lending may be executed on the server of another business operator.

[0079] The payment control module 1128, for example, processes the payment of wages in consideration of the user's work via the work control module 1129. For example, the payment control module 1128 may pay the wages in consideration of work as a digital wage, pay them in advance, process them as a loan, or pay them after the work is completed.

[0080] The labor control module 1129 provides a matching service for job vacancies set from the terminal 130. For example, the labor control module 1129 accepts and reviews applications for jobs from users, receives approval from businesses, and manages the working status of users.

[0081] Hereinafter, a description will be given of how usability can be improved by making the means of payment of labor compensation to users (means of receipt for users) more flexible in the first embodiment.

[0082] The payment control module 1128 acquires information on the amount of salary paid in consideration for the user's labor. For example, the payment control module 1128 acquires information on the amount of salary related to labor for a job application submitted by the labor control module 1129, or acquires information on the amount of salary for which a payment date is preset. Note that salary may also be referred to as wages, compensation, or remuneration.

[0083] The payment control module 1128 determines whether to perform payment processing for at least a portion of the amount information before work or payment processing including payment of digital salary after work in response to a user instruction. For example, the payment control module 1128 obtains the payment method selected by the user from the terminal 120 used by the user receiving the salary, and determines the salary payment processing indicated by the obtained payment method from among multiple payment processing methods.

[0084] The payment process includes, for example, a prepayment process corresponding to a loan, a payment process using digital wages including electronic money, a payment process to a funds transfer account, or a payment process to a bank account. Furthermore, if the user's operation instruction indicates multiple payment processes, the payment control module 1128 may identify multiple payment processes. Furthermore, the payment control module 1128 may accept settings of the amount information to be paid for each payment process from the terminal 120, etc.

[0085] The payment control module 1128 performs a determined payment process for at least a portion of the amount information. For example, the payment control module 1128 pays at least a portion of the salary amount information set by the user using a specified payment process. The specified payment process includes, for example, a process of paying into a funds transfer account before work or a process of paying into a digital salary account after work.

[0086] The above process allows users to set the means of receiving payment for work, such as whether to be paid before or after work, and even if paid after work, whether to have the payment paid into a digital salary account as a digital salary or into a bank account, etc. This improves the usability of services related to digital salary.

[0087] Furthermore, the payment control module 1128 may include adding at least a portion of the amount information to a digital salary account different from the user's fund transfer account when payment processing is performed after work. For example, a user may open separate fund transfer accounts and digital salary accounts, or, at the request of a business (e.g., a fund transfer service provider), may separate the fund transfer account used for general charging and payment from the digital salary account that receives the digital salary. By separating the fund transfer account from the digital salary account, the payment service provider managing the digital salary account can set an appropriate upper limit, taking into account the guarantee amount set based on the digital salary account. Fund transfer accounts include, for example, accounts through which funds are transferred between registered accounts.

[0088] If at least a portion of the salary set by the user is deposited into the digital salary account set by the user, the payment control module 1128 may add amount information corresponding to at least a portion of the salary to the user's digital salary account on a predetermined date after the completion date of work.

[0089] Through the above process, users can clearly separate their digital payroll accounts and have their wages deposited into these accounts. Separating the digital payroll accounts also allows users to set a dedicated upper limit for the digital payroll account, making it possible to reduce the amount of guarantee provided by the guarantee institution for the amount of guarantee set based on the digital payroll account.

[0090] The payment control module 1128 may also include adding at least a portion of the amount information to an account other than the user's digital salary account when payment processing is performed before work. For example, when the payment control module 1128 is set by the user to be paid before work, the payment control module 1128 may add amount information equivalent to the salary to a fund transfer account on a predetermined day before the work day.

[0091] Through the above process, when a user receives a salary before starting work, the user can set it to be deposited into a different account rather than into the digital salary account. As mentioned above, a maximum limit is set for the digital salary account, so that the user can set the pre-work receipt to an account different from the digital salary account so as not to reach the maximum limit.

[0092] The payment control module 1128 may also include performing payment processing before work when a user's work schedule is determined. For example, the payment control module 1128 may be able to accept settings for pre-work payment processing when the work control module 1129 notifies the user that the user has applied for a job and been hired. Note that the payment control module 1128 may have pre-work payment processing set up in advance, and when a user applies for a job and is hired, may permit pre-work payment processing for payment of wages for work for the job.

[0093] The above process makes it possible to allow advance payment of salary on the condition that work schedules are decided, for example, that an employee applies for a job and is hired. This makes it possible to prevent, for example, an employee from receiving an advance payment of salary when they have only applied for a job.

[0094] The payment control module 1128 may also include performing payment processing before work when approval for advance payment is obtained from a labor manager. For example, the payment control module 1128 may be able to accept settings for pre-work payment processing when the labor control module 1129 notifies the payment control module 1128 that the business that posted the job has approved the advance payment of wages.

[0095] By the above process, advance payment of wages can be permitted on the condition that advance payment is permitted by the labor manager.

[0096] Furthermore, when processing payments to accounts other than the user's digital salary account, the payment control module 1128 may include processing payments to a fund transfer account or processing them as a loan. For example, the payment control module 1128 may present the user with options for receiving their salary, such as having the payment paid to a fund transfer account or as an advance loan, in addition to having the payment paid to a digital salary account.

[0097] By performing the above process, it becomes possible to set up a system whereby the salary is deposited into a different account rather than into the digital salary account. As mentioned above, a maximum limit is set for the digital salary account, so it is possible to set up an account for receiving the salary that is different from the digital salary account so as not to reach the maximum limit.

[0098] Furthermore, when at least a portion of the salary is treated as a loan, the payment control module 1128 may include setting interest and a repayment date, and may include setting the repayment date based on the salary receipt date. For example, if the salary receipt date is determined periodically (e.g., the 25th of each month), the payment control module 1128 may set the loan repayment date to a predetermined date within a predetermined period after the salary receipt date. Furthermore, the interest may be a preset value or a value set according to the loan amount.

[0099] By performing the above process, it is possible to prevent delays in repayment of loans by setting the repayment date based on the salary receipt date.

[0100] The payment control module 1128 may also determine whether or not to allow payment processing before work based on the user's user information. For example, the payment control module 1128 may allow use of payment processing before work when a determination condition using at least one of the following user information is satisfied: - If the user's credit score is above a certain value - If the user's work record is more than the specified number of times or for more than the specified time - When the usage record of related services (such as the number of transactions through electronic commerce services or the number of payments through electronic payment services) is greater than or equal to a specified number of times or a specified amount. - The occurrence of late repayments is below a specified value

[0101] By the above process, it becomes possible to execute a loan process corresponding to an advance payment of salary to a user with a high credit rating.

[0102] Furthermore, when the user has a debt and payment processing has been performed before work, the payment control module 1128 may include performing processing to allocate amount information corresponding to the debt to repay the debt upon receiving a work completion notification. For example, if the user has a predetermined amount of debt and has already received an advance payment of salary, the payment control module 1128 performs processing to allocate amount information corresponding to the debt from the user's account to repay the debt when the work corresponding to the paid salary is completed, since the salary for the work becomes the user's.

[0103] For example, the account used for repaying the debt includes a digital salary account or a fund transfer account. The payment control module 1128 may subtract the amount information corresponding to the debt from the balance of the digital salary account or fund transfer account on the repayment date, and add the amount information corresponding to the debt to the business operator's account.

[0104] By the above process, debt repayment can be executed from the user's account after the user has worked. As a result, even if the salary has been paid before the work, the repayment can be executed after the work, after the salary payment has been confirmed.

[0105] Furthermore, the repayment process may be performed using any of the accounts held by the user, or may be performed after funds are transferred between accounts. For example, the payment control module 1128 may automatically transfer funds from the digital payroll account to the funds transfer account and perform the repayment from the funds transfer account. Furthermore, the payment control module 1128 may automatically transfer funds from the funds transfer account to the digital payroll account and perform the repayment from the digital payroll account.

[0106] The payment control module 1128 may also automatically allocate the salary, which is compensation for work done in response to a job offer, to repayment. The payment control module 1128 may also allow the user to select prepayment payment processing when the digital salary balance is within a predetermined range from the upper limit or when the digital salary upper limit is exceeded due to salary receipt, or may suggest to the user that the payment be made to another account. The payment control module 1128 may also accept a portion of the salary, which is compensation for work, as an advance payment, and receive the remaining salary as digital salary.

[0107] The one or more processors 111 described above read and execute each module as necessary from memory 112. For example, the one or more processors 111 may execute settlement control module 1126, transaction control module 1127, payment control module 1128, and labor control module 1129 to configure a settlement control unit, a transaction control unit, a payment control unit, and a labor control unit, respectively.

[0108] (2) Configuration of terminal 120 The terminal 120 includes a processor 121 , a memory 122 , a storage 123 , an input / output I / F 124 , an input device 125 , an output device 126 , a transmitting / receiving unit 127 , and a reading unit 128 .

[0109] The processes, functions, or methods executed by the processor 121 may be realized by machine learning, AI (Artificial Intelligence), or the like, to the extent feasible.

[0110] The input device 125 accepts various operations from the user of the terminal 120 .

[0111] The transmitting / receiving unit 127 transmits and receives data to and from the server 110, etc., in accordance with instructions from the processor 121. For example, when logging in to the server 110, the transmitting / receiving unit 127 connects a communication session with the server 110 using HTTPS, etc. Then, the transmitting / receiving unit 127 stores the communication address of the server 110, etc., in association with the ID of the connected communication session. Then, the transmitting / receiving unit 127 transmits data to the server 110 using the connected communication session.

[0112] The processor 121 performs processing to utilize a predetermined service provided by the server 110 .

[0113] In one embodiment, memory 122 stores the following programs: program 1221, payment processing module 1222, transaction processing module 1223, labor processing module 1224, display control module 1225, and data structures, or a subset thereof. Note that information stored in memory 122 may be stored in another storage device (e.g., storage 123).

[0114] As described above, the program 1221 is a program loaded from the storage 123 and includes instructions and the like related to each embodiment.

[0115] The payment processing module 1222 executes processes related to electronic payments. For example, the payment processing module 1222 executes store-scan type payments, in which user information is coded and the code is read by a terminal in the store, or user-scan type payments, in which a code containing store information is read.

[0116] The transaction processing module 1223 executes a process for conducting a buying and selling transaction of a commodity on the e-commerce platform. For example, the transaction processing module 1223 executes a process for listing a commodity or purchasing a commodity on the e-commerce platform. The transaction processing module 1223 is not necessarily a required module.

[0117] The labor processing module 1224 performs application processing, matching processing, etc. for job postings set and published by businesses. For example, the labor processing module 1224 receives a job posting service and performs processing related to job posting matching.

[0118] The labor processing module 1224 selects a means of receiving salary, which is compensation for labor. For example, the labor processing module 1224 is operated by the user from a screen and outputs the selected means of receiving to the server 110. Furthermore, the labor processing module 1224 may set the amount of salary to be received in addition to selecting the means of receiving.

[0119] The display control module 1225 controls the display of screen data related to the electronic payment service or the electronic commerce platform on the output device 126. For example, the display control module 1225 controls the display of a screen for listing a product or a screen for purchasing a product. The display control module 1225 may also control the display of a two-dimensional code containing user information on the screen when making a payment at a store.

[0120] The display control module 1225 may also control the display of a job listing screen for a specific user, and may control the display of various screens for applying for a job, receiving a notice of employment, setting the means of receiving salary, and setting at least a portion of the salary to be received as digital salary.

[0121] The above process allows the user to flexibly determine the means by which they will receive their salary.

[0122] The one or more processors 121 described above read and execute each module as necessary from the memory 122. For example, the one or more processors 121 may configure a payment processing unit, a transaction processing unit, a labor processing unit, and a display control unit by executing the payment processing module 1222, the transaction processing module 1223, the labor processing module 1224, and the display control module 1225, respectively.

[0123] <Operation Processing of First Embodiment> The processing of the information processing system 1 according to the first embodiment will be described with reference to Fig. 7. Fig. 7 shows an example of a processing sequence of the information processing system 1 according to the first embodiment. Note that the processing shown in Fig. 7 is processing in which, for example, the terminal 130 requests publication of a job posting in response to an operation by the business operator, the terminal 120 applies for the job posting in response to an operation by the user, and the server 110 publishes the job posting, approves the application, and pays the salary.

[0124] (Step S102) The business operator's terminal 130 accepts an operation to publish a job offer from the business operator and requests the server 110 to publish the job offer.

[0125] (Step S104) When the labor control module 1129 of the server 110 receives a request to publish a job, it publishes the job information on the user's terminal 120. For example, when the user's terminal 120 accesses the server 110 and requests a list of job information, the server 110 transmits the published job information to the terminal 120.

[0126] (Step S106) In response to the user's selection operation, the user's terminal 120 transmits to the server 110 a request to apply for at least one job from among the jobs currently being published.

[0127] (Step S108) The labor control module 1129 of the server 110 transmits the user information of the user who applied, such as the name set by the user, to the business operator's terminal 130.

[0128] (Step S110) The business operator's terminal 130 accepts the approval operation from the business operator and transmits an approval notice to the user to the server 110.

[0129] (Step S112) The work control module 1129 of the server 110 inquires of the user's terminal 120 about the method of receiving the salary for the work of the job application. For example, the method of receiving the salary includes receiving before work (payment before work by the server 110) or receiving after work (payment after work by the server 110), and the user is allowed to select one. The method of receiving the salary may be set by the user in advance.

[0130] (Step S114) The work processing module 1224 of the user's terminal 120 transmits to the server 110 the pre-work pickup or post-work pickup selected by the user.

[0131] (Step S120) When pre-work is selected and set, the payment control module 1128 of the server 110 performs pre-work payment processing. For example, the payment control module 1128 adds at least a portion of the salary amount information to the balance information of the user's account. At this time, at least a portion of the amount information to be prepaid may be processed as a loan.

[0132] (Step S130) When the user's terminal 120 completes work, it notifies the server 110 of the completion of work. For example, when the terminal 120 reads a two-dimensional code or the like displayed at the store where the user works, the terminal 120 accesses the server 110, and the access may indicate a work completion notification. The work completion notification may also be sent from the business operator's terminal 130.

[0133] (Step S132) When "after work" is selected and set, the payment control module 1128 of the server 110 performs post-work payment processing. For example, when the payment control module 1128 receives a work completion notification, it adds at least a portion of the salary amount information to the balance information of the user's account. At this time, at least a portion of the amount information may be added to the balance of the user's digital salary account.

[0134] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to Fig. 8. Fig. 8 is a diagram showing an example of a salary receipt method selection screen displayed on the screen of the terminal 120 according to the first embodiment. In the example shown in Fig. 8, candidate salary receipt methods for job offer A are displayed on screen D10.

[0135] For example, the screen D10 includes a selection item for receiving the salary before or after work, and a setting item for the digital salary percentage. Here, if the user satisfies the above-mentioned determination condition regarding the pre-work payment, the payment control module 1128 may enable the user to check the pre-work selection box.

[0136] In the example shown on screen D10, post-work payment by the server 110 is selected, and the digital salary is set to 5,000 yen. In this case, any salary exceeding 5,000 yen is paid to another user's account, for example, the user's bank account. The user may also be able to set which account the salary is paid to. For example, the account may include at least one of a digital salary account, a fund transfer account, and a bank account.

[0137] As described above, according to the first embodiment, it is possible to diversify the methods of receiving wages and improve the usability of services related to digital wages.

[0138] Second Embodiment The second embodiment is an embodiment that improves the accuracy of debt repayment by, for example, executing a repayment process (subtraction process) for the debt before or after the salary (wages) that is compensation for the user's labor is paid (deposited).

[0139] The second embodiment enables users to use the amount paid into their digital salary account as their salary to repay debts without any special awareness, thereby improving the certainty of debt repayment, allowing users to use the system with greater peace of mind, and improving usability.

[0140] <Configuration of the second embodiment> The configurations of the servers 110, 150, information processing terminal 120, and terminal 130 in the second embodiment are the same as the configurations of the servers 110, 150, information processing terminal 120, and terminal 130 in the first embodiment, so the same symbols will be used here to explain the processing in the second embodiment.

[0141] The payment control module 1128 of the server 110 acquires amount information corresponding to the user's digital salary. For example, the payment control module 1128 acquires salary information for a job that the user applied for and was hired for, and acquires the salary information stated in the job as amount information corresponding to the user's digital salary.

[0142] The payment control module 1128 identifies predetermined amount information associated with the user. For example, the payment control module 1128 acquires predetermined amount information set for the user for which amount information corresponding to salary has been acquired. The set predetermined amount information includes information on the amount to be withdrawn from the user's account.

[0143] The payment control module 1128 subtracts the predetermined amount information from the amount information of the digital salary. For example, the payment control module 1128 subtracts the predetermined amount information from the amount information of the digital salary that is to be paid to the user or that has been paid to the user.

[0144] The payment control module 1128 registers the predetermined amount information and the amount information after the subtraction in the user's deposit and withdrawal history information. For example, the payment control module 1128 registers the digital salary amount information as a deposit, the predetermined amount information as a withdrawal, and the amount information after the subtraction that has been added to the balance in the deposit and withdrawal history information.

[0145] The above process allows for proper management of deposits and withdrawals related to digital wages.

[0146] The above-mentioned predetermined amount information may include amount information corresponding to the user's debt or amount information for automatic charging set by the user. The payment control module 1128 may set information on an amount to be withdrawn periodically as the predetermined amount information. When a user has deferred payment for a debt through a payment process or the like and repayments are due for a predetermined number of months, the payment control module 1128 may set this repayment amount as the amount information corresponding to the debt. Furthermore, the predetermined amount information may include any one of living expenses such as electricity bills, water bills, and gas bills that are paid periodically, savings funds, or communication expenses.

[0147] With the above process, if there are regular withdrawals, the expenditure amount can be deducted from the salary at the time of salary payment.

[0148] During the subtraction process, the payment control module 1128 may subtract predetermined amount information from the amount information of the digital pay before the digital pay is deposited. For example, before the digital pay, which is compensation for work, is paid to the user's digital account, the payment control module 1128 may subtract predetermined amount information from the amount information of the digital pay and then add the remaining digital pay to the balance of the digital pay account.

[0149] By performing the above process, the system deducts the predetermined amount information from the salary amount information before the salary is paid to the user, making it possible to more reliably pay the predetermined amount information. Once the payment is made to the digital salary account, if the user has spent the predetermined amount, there is a possibility that the payment of the predetermined amount will be delayed.

[0150] During the subtraction process, the payment control module 1128 may subtract predetermined amount information from the balance information of the user's digital salary account after the digital salary has been deposited. For example, the payment control module 1128 may subtract predetermined amount information from the balance information of the digital salary account after the digital salary, which is compensation for work, has been paid into the user's digital account.

[0151] Specifically, the payment control module 1128 may include, during the subtraction process, adding up the balance information of the digital salary account before the deposit and the amount information of the digital salary to be deposited, and subtracting a predetermined amount information from the amount information after the addition (including the digital salary amount paid).

[0152] By performing the above process, after the salary is paid to the user, the system deducts the predetermined amount information from the balance information, thereby making it possible to more reliably pay the predetermined amount information.

[0153] The payment control module 1128 may further temporarily freeze information on the predetermined amount to be subtracted. To prevent the predetermined amount from being spent by the user, the payment control module 1128 can more reliably pay the predetermined amount by temporarily freezing the predetermined amount before or after it is paid as salary. The temporarily frozen predetermined amount may be unfrozen when it is paid.

[0154] The above process makes it possible to more reliably make payments of predetermined amounts such as debts.

[0155] The payment control module 1128 may include performing a subtraction process of a predetermined amount before depositing the digital salary amount information if the total value exceeds an upper limit when the digital salary amount information is added to the balance information of the user's digital salary account during the subtraction process. For example, the payment control module 1128 may perform a subtraction process of the predetermined amount information before paying the digital salary if the upper limit of the digital salary account will be exceeded after the digital salary is paid and if subtracting the predetermined amount information will not exceed the upper limit of the digital salary account.

[0156] The above process allows processing to be performed so as not to exceed the upper limit of the digital salary account, thereby improving usability.

[0157] The payment control module 1128 may include paying the amount information of the excess amount exceeding the upper limit to an account other than the user's digital salary account when the sum of the digital salary amount information and the balance information of the user's digital salary account exceeds the upper limit. For example, the payment control module 1128 may perform a process of paying the above-mentioned excess amount information to a fund transfer account or bank account designated by the user.

[0158] The above process allows processing to be performed so as not to exceed the upper limit of the digital salary account, thereby improving usability.

[0159] The payment control module 1128 may further suggest to the user that funds be transferred from the digital salary account if, before the digital salary amount information is deposited, the total exceeds an upper limit when the digital salary amount information is added to the balance information of the user's digital salary account. For example, if the total exceeds an upper limit when the amount information of the salary to be paid is added to the current balance information of the digital salary account, the payment control module 1128 notifies the user that funds will be transferred from the digital salary account to another account such as a funds transfer account or a bank account. For example, the payment control module 1128 may notify the user of the fund transfer using any of the following methods: an in-application notification function, a pop-up notification, an email notification, etc.

[0160] With the above process, if there is a possibility that the upper limit of the digital salary account will be exceeded, advance notification will be given to the user, and measures can be suggested to be taken, thereby improving usability.

[0161] (Pre-payment processing) According to the second embodiment, the payment control module 1128 may perform a subtraction process before depositing the labor compensation into the digital payroll account as a pre-deposit process. For example, the payment control module 1128 may identify, from the amount information representing the labor compensation, predetermined amount information that is equal to or less than the amount information. The predetermined amount information may be, for example, a settlement amount or a loan for a deferred payment settlement (including credit card settlement), as long as it is associated with the user as a debt.

[0162] The payment control module 1128 may also suggest charging from the digital payroll account, or may set up automatic charging from the digital payroll account to another account based on the user's selection, in which case the payment control module 1128 may transfer at least a portion of the balance information of the digital payroll account to the other account.

[0163] The payment control module 1128 may allow pre-deposit processing if there is consent from the user or if there is a pre-setting. Furthermore, when performing deduction processing, the payment control module 1128 may subtract from the salary amount information or may subtract from the balance information of the digital salary account before receiving the salary.

[0164] (Post-payment processing) As a post-payment process, if the balance information of the digital salary account is equal to or greater than a predetermined value, the payment control module 1128 may consume the balance information of the digital salary account first for all payments, settlements, repayments, and charges associated with the user.

[0165] If the user has set in advance that the excess amount will be transferred to another account when the salary amount information is added to the balance information, the payment control module 1128 may automatically transfer the amount information above the excess amount. The amount information above the excess amount may be set in advance by the user.

[0166] (Common processing for pre- and post-payment processing) The payment control module 1128 registers the deposit and withdrawal processing in the deposit and withdrawal history information. As a result, even if addition or subtraction processing is performed internally, by presenting the deposit and withdrawal history information to the user, the user can understand the transfer of money.

[0167] The payment control module 1128 may determine the timing of the subtraction process of the predetermined amount information, whether before or after the deposit, according to the user's settings. Furthermore, in the case where the upper limit of the digital salary account is exceeded, the payment control module 1128 may collect a fee from the user if the amount exceeding the upper limit is accompanied by a fund transfer. The fee may be subtracted, for example, from the amount transferred or the balance.

[0168] The payment control module 1128 can set the date for receiving salary, which is compensation for labor, based on a notification from the labor control module 1129, and if it is predicted that the sum of the salary amount information and the digital salary account balance information will exceed the amount, it will suggest to the user that they reduce the balance information in their digital salary account. For example, if a user applies for a job via the labor control module 1129 and is hired, the payment control module 1128 can determine, based on the notification from the labor control module 1129, that compensation for labor will be paid within a specified period after the start date. Furthermore, the payment control module 1128 basically defaults to post-deposit processing, and may suggest pre-deposit processing if the upper limit is likely to be exceeded.

[0169] <Operation Processing of Second Embodiment> The processing of the information processing system 1 according to the second embodiment will be described with reference to Fig. 9. Fig. 9 shows an example of the processing sequence of the information processing system 1 according to the second embodiment. Note that the processing shown in Fig. 9 indicates, for example, pre-deposit processing (S202 to S212) or post-deposit processing (S232 to S242).

[0170] (Step S201) When the user's work is completed, the business operator's terminal 130 notifies the server 110 of the work completion. For example, when the terminal 130 reads a two-dimensional code or the like displayed on the user's terminal, the terminal 130 may access the server 110, and the access may indicate a work completion notification. The work completion notification may also be sent from the user's terminal 120, as in step S130 shown in FIG. 7.

[0171] (Step S202) The payment control module 1128 of the server 110 receives notification from the labor control module 1129 and obtains salary amount information for the job offer for which the user plans to work.

[0172] (Step S204) The payment control module 1128 of the server 110 acquires, for example, predetermined amount information associated with the user as a debt.

[0173] (Step S206) The payment control module 1128 of the server 110 subtracts predetermined amount information from the amount information of the salary for work before work begins.

[0174] (Step S208) The payment control module 1128 of the server 110 adds the amount information of the salary after the deduction to the balance information of a predetermined, for example, user-specified fund transfer account (payment processing).

[0175] (Step S210) The payment control module 1128 of the server 110 registers the predetermined amount information and the amount information after the subtraction in the user's deposit and withdrawal history information. For example, the payment control module 1128 registers the digital salary amount information as a deposit, the predetermined amount information as a withdrawal, and the amount information after the subtraction that has been added to the balance in the deposit and withdrawal history information.

[0176] (Step S212) The payment control module 1128 of the server 110 transmits the updated deposit and withdrawal history information to the target user's terminal 120. This allows the user to grasp the deposit and withdrawal history related to the amount information of the salary for labor even before working.

[0177] (Step S232) The payment control module 1128 of the server 110 adds, for example, information about the amount of salary for work to, for example, the balance information of a digital salary account designated by the user (payment processing). The salary amount information is obtained by notification from the labor control module 1129.

[0178] (Step S234) The payment control module 1128 of the server 110 acquires information on the amount of salary paid by the payment process as compensation for the user's labor.

[0179] (Step S236) The payment control module 1128 of the server 110 acquires, for example, predetermined amount information associated with the user as a debt.

[0180] (Step S238) The payment control module 1128 of the server 110 subtracts predetermined amount information from the amount information of the salary for work at a predetermined timing after work.

[0181] (Step S240) The payment control module 1128 of the server 110 registers the predetermined amount information and the amount information after the subtraction in the user's deposit and withdrawal history information. For example, the payment control module 1128 registers the digital salary amount information as a deposit, the predetermined amount information as a withdrawal, and the amount information after the subtraction that has been added to the balance in the deposit and withdrawal history information.

[0182] (Step S242) The payment control module 1128 of the server 110 transmits the updated deposit and withdrawal history information to the target user's terminal 120. This allows the user to grasp the deposit and withdrawal history related to the amount information of the salary for labor even before working.

[0183] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to Fig. 10. Fig. 10 is a diagram showing an example of deposit and withdrawal history information displayed on the screen of the terminal 120 according to the second embodiment. In the example shown in Fig. 10, an example of the user's deposit and withdrawal history information is displayed on screen D20.

[0184] For example, screen D20 shows that the balance as of April 5, 2024, is 25,000 yen as deposit and withdrawal history information. The example shown in FIG. 10 shows that 8,000 yen was paid for work done for Job A on April 5, 2024, and that 3,000 yen was deducted at the same time as loan repayment. As a result, the difference between salary and loan repayment, 5,000 yen, is added to the previous day's balance of 25,000 yen, and the balance is updated to 30,000 yen. Furthermore, by displaying details of salary and loan repayment separately, it is easier for users to understand their income and expenses.

[0185] As described above, according to the second embodiment, it is possible to improve the accuracy of debt repayment, for example, by deducting a predetermined amount to be withdrawn either before or after the salary payment has arrived. Furthermore, since debt repayment, etc. is performed automatically for the user, it is possible to improve the usability of services related to digital salary.

[0186] <Third embodiment> The third embodiment is an embodiment in which, for example, an account that can be determined to be unused with respect to a digital salary account is not counted as an active account.

[0187] According to the third embodiment, since there will be cases where digital salary accounts are not used, by not counting unused accounts in the number of active accounts, it is possible to reduce the processing related to the number of accounts and improve system efficiency. Furthermore, digital salary accounts are covered by guarantee in the event of an emergency, and the guarantee is determined based on the balance or number of digital salary accounts. Therefore, by reducing the number of accounts covered by guarantee, the business operator's guarantee costs can be reduced. Furthermore, by deactivating or deleting digital salary accounts that meet certain conditions that can be considered as unused, it is possible to achieve the effect of improving system efficiency.

[0188] <Configuration of the third embodiment> The configurations of the servers 110, 150, information processing terminal 120, and terminal 130 in the third embodiment are the same as the configurations of the servers 110, 150, information processing terminal 120, and terminal 130 in the first embodiment, so the same symbols will be used here to explain the processing in the third embodiment.

[0189] The payment control module 1128 manages the digital salary account of each user. For example, the payment control module 1128 manages deposits and withdrawals for the balance of the digital salary account linked to each user shown in Fig. 3. As a specific example, the payment control module 1128 may manage deposits and the like as payment for work received when each user uses a recruitment service, applies for a job, and is hired.

[0190] The payment control module 1128 counts the number of digital salary accounts, and counts accounts other than those whose information about the digital salary accounts satisfies a predetermined condition. For example, the payment control module 1128 determines whether a digital salary account satisfies a predetermined condition related to not being used by the user, and identifies accounts that can be considered not to be in use by the user. The payment control module 1128 may subtract the number of identified accounts from the total number of digital salary accounts to obtain a final count value of the digital salary accounts.

[0191] The payment control module 1128 outputs information about the count value of the counted digital salary account. For example, the payment control module 1128 may output only the count value or information about the digital salary account together with the count value as information about the count value of the digital salary account. Output destinations include at least one of a display, a speaker, and another information processing device.

[0192] Through the above process, for digital salary accounts, accounts that are deemed to be unused are not counted in the number of active accounts, which makes it possible to reduce processing related to the number of accounts and improves system efficiency.

[0193] The payment control module 1128 may include outputting information regarding the count value to a guarantee institution that will make repayments in the event of an emergency (eg, bankruptcy).

[0194] The payment control module 1128 may output the total amount of the counted digital salary account balance information, or the maximum total amount obtained by multiplying the count value by the upper limit. The output destination may be the guarantee institution. For example, the payment control module 1128 outputs the actual total balance amount for the emergency security deposit (e.g., adding the current balance of each user by the count value) or the expected maximum total amount of the balance (e.g., the count value x the upper limit) as the information to be output to a predetermined device at the bank of the guarantee institution. The predetermined device includes an information processing device used by a person in charge of the guarantee institution.

[0195] By the above processing, it becomes possible to output information required in the event of an emergency to a device of a bank or other institution that acts as a guarantor.

[0196] When counting the number of accounts, the payment control module 1128 may determine whether any of the following conditions, which are included in the predetermined conditions, is met. - The balance information of the digital salary account does not increase or decrease within the specified period. - The balance information of the digital salary account is below a specified value No access to a digital salary account, or - The amount information of digital salary as compensation for the user's labor is not added The payment control module 1128 does not count qualifying accounts towards the number of active accounts.

[0197] In addition to the conditions mentioned above, the payment control module 1128 may determine any condition that indicates that the user is not using the digital salary account, or may combine multiple conditions to determine whether a predetermined number of conditions or more are met.

[0198] The above process makes it possible to identify accounts that are not counted as active accounts based on any one of a number of conditions that can be used to determine whether the account is not being used by the user.

[0199] The payment control module 1128 may further deactivate or delete a digital payroll account that meets the above-described predetermined conditions. For example, the payment control module 1128 deactivates or deletes a digital payroll account that is deemed to be unused. An inactive state may be, for example, temporarily freezing the account or making it temporarily unavailable.

[0200] The above processing reduces the number of accounts to be processed by the system, thereby improving system efficiency.

[0201] When activating an inactive digital payroll account, the payment control module 1128 may further perform simpler identity verification than when opening the digital payroll account. More specifically, identity verification may be performed using fewer items than when opening the digital payroll account.

[0202] The payment control module 1128 may include reflecting previously entered information in the corresponding setting items regarding identity verification when switching from inactive to active, or reducing the number of setting items required.

[0203] When the payment control module 1128 performs identity verification again on a user who has already been identified once, it may use information stored in the user information, etc., to reduce the number of items that the user is required to set and perform simplified identity verification.

[0204] With the above process, even if the digital salary account becomes inactive, if the user wishes, it can be returned to an active state with a simple process.

[0205] The payment control module 1128 may periodically output information about the guarantee (to the guarantee institution, e.g., the guarantee bank). The information about the guarantee may include, for example, at least one of the guarantee amount, the number of active digital payroll accounts, the total balance of the digital payroll accounts, or the expected maximum balance (number of accounts x upper limit), and preferably includes at least the total balance of the digital payroll accounts or the expected maximum balance.

[0206] The payment control module 1128 may output the user's information (designated bank name, account information) along with information about the guarantee. The payment control module 1128 may output the latest user information each time, or may output only the difference information.

[0207] The payment control module 1128 may set the same maximum balance limit for all digital salary accounts, or may set a different limit for each user based on at least one of the user's credit rating, frequency of account use, and deposit and withdrawal history. The maximum balance limit for a digital salary account may also be made variable based on the usage history of linked services, such as a payment service (how much was paid in a given period in the past, and the highest or average balance in the given period in the past), the usage history of an e-commerce service (the number of transactions and amounts in the given period in the past), or the usage history of a job recruitment service (the number of part-time jobs in the given period in the past, and the average or highest amount of income in the given period in the past).

[0208] The payment control module 1128 may collect an account maintenance fee from the user who owns an account that meets certain conditions (e.g., a balance below a certain value, no access for a certain period of time, etc.).

[0209] The payment control module 1128 may transfer funds from the digital payroll account to another designated account (such as a funds transfer account or bank account) before deactivating, deleting, or canceling the digital payroll account, and may suggest this transfer to the user. Also, if the user consents to the transfer, the payment control module 1128 may automatically transfer funds.

[0210] The payment control module 1128 may suggest to the user that an account that meets the above-mentioned predetermined conditions for being considered unused be deactivated, deleted, or closed. Furthermore, the payment control module 1128 may forcibly transfer funds from the balance of the digital payroll account when the digital payroll account is deactivated, deleted, or closed.

[0211] (Source of security deposit) The guarantee money paid by the guarantee agency in the event of an emergency may be borne by the digital payroll provider (or payment provider), by the business that has requested the digital payroll provider (e.g., the business that has requested the recruitment), or by both.

[0212] For example, if the client pays the security deposit, the following methods can be used to calculate the funds to be paid: The total amount of salary paid to the user for a specified period is calculated, and the burden fund is calculated by multiplying the total amount of payment by a certain coefficient. The contribution amount will be calculated based on the remaining balance and the proportion of the amount paid by the company that paid the salary (remuneration). In the above case, the amount, time, and payment source are associated with each deposit for each user. In the above case, if there is a deduction from the balance of the digital salary account (payment or fund transfer, etc.), the amount deposited will be deducted in chronological order. This allows the source and amount of money included in the digital payroll balance at any given time to be identified, and the percentage of the source amount remaining in all users' balances may be calculated and multiplied by the guaranteed amount to determine the amount each company is responsible for. The amount of funds to be covered is calculated as the percentage of the total amount paid by all contractors multiplied by the current amount covered by the guarantee.

[0213] The server 110 may check the validity of the associated bank for fund transfer. The server 110 may check the validity of the associated bank when setting up a bank with a fund transfer account, when adding electronic money to the balance of a digital salary account, when creating a digital salary account, when transferring money to a bank account, or periodically. The server 110 may check the validity of the associated bank using an API (Application Programming Interface) published by the associated bank.

[0214] (commission) A fee may be collected for the platform provided by the server 110. For example, the server 110 may calculate the fee by multiplying the total amount of salary paid to the user for each predetermined period by a predetermined coefficient, or may set a fixed fee.

[0215] When depositing the money into the digital salary account, the server 110 may obtain the total amount of salary plus the above-mentioned fee from the bank account of the requesting business. The server 110 may also collect a specified percentage (e.g., 3%) of the salary of the job offer as a fee. The total amount collected may be the salary plus the specified percentage.

[0216] The server 110 may collect the fee by adding it to the user's salary or by deducting it from the user's salary, but adding it to the salary is preferable. Alternatively, the payment service provider may temporarily add a fee to the user's salary and the server 110 may then bill the requesting service provider for the salary with the fee added. Furthermore, the server 110 may output items that can be included on an invoice, such as fixed costs / variable costs, the amount reimbursed for a specified period, and the fee.

[0217] <Operation Processing of Third Embodiment> The processing of the information processing system 1 according to the third embodiment will be described with reference to Fig. 11. Fig. 11 shows an example of the processing sequence of the information processing system 1 according to the third embodiment. Note that the processing shown in Fig. 11 shows an example of, for example, counting processing of digital salary accounts in use (S302 to S306) and deactivating digital salary accounts that are not considered to be in use (S308 to S318).

[0218] (Step S302) The payment control module 1128 of the server 110 determines at a predetermined timing whether information about each user's digital salary account satisfies a predetermined condition. For example, the payment control module 1128 performs condition determination based on the balance information of the digital salary account.

[0219] (Step S304) The payment control module 1128 of the server 110 counts accounts other than the digital payroll account when a predetermined condition is met.

[0220] (Step S306) The payment control module 1128 of the server 110 outputs information about the count value of the counted digital salary account. For example, the payment control module 1128 may output information about the total balance and the expected maximum balance of the deposit to the server 150 of the guarantee institution as information about the count value.

[0221] (Step S308) The payment control module 1128 of the server 110 deactivates (deactivates) the digital payroll account that satisfies the predetermined conditions in step S302, i.e., the account that is determined not to be in use. Note that before deactivating the account, the payment control module 1128 may inquire of the user as to whether or not the user approves the deactivation, or may deactivate the account with only a notification.

[0222] (Step S310) At a predetermined timing, in response to a user operation, the user's terminal 120 requests the server 110 to activate the deactivated digital salary account.

[0223] (Step S312) When the server 110 receives a request to activate a digital salary account from the user's terminal 120, it sends an identity verification request to the requesting terminal 120. The server 110 may make the identity verification request with the user information already set reflected in the setting items.

[0224] (Step S314) The user's terminal 120 transmits the personal identification information set by the user to the server 110 .

[0225] (Step S316) The server 110 performs identity verification using identity verification information acquired from the terminal 120. The server 110 may perform eKYC (electronic Know Your Customer) processing.

[0226] (Step S318) If the identity verification process is successful, the server 110 activates the user's digital salary account, which allows the user to designate it as a payee for digital salary payments again.

[0227] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to Fig. 12. Fig. 12 is a diagram showing an example of information relating to the count value of a digital salary account displayed on the screen of the terminal 120 according to the third embodiment.

[0228] For example, screen D30 displays information about the digital salary account of a company called "AA Pay," including the number of active accounts being "1,000," the total balance being "12,345,678 yen," and the expected maximum total amount being "100,000,000 yen."

[0229] Screen D30 also displays a UI button for displaying a list of each user's bank accounts. When a guarantor agency representative operates this UI button, a list of bank information (bank name, account type, account number, etc.) for each user who has a digital salary account with "AA Pay" can be displayed.

[0230] As described above, according to the third embodiment, since there will be cases where digital salary accounts are not used, by not counting unused accounts in the number of active accounts, it is possible to reduce processing related to the number of accounts and improve system efficiency. Furthermore, digital salary accounts are covered by insurance in the event of an emergency, and the security deposit is determined based on the balance or number of digital salary accounts. Therefore, by reducing the number of covered accounts, the business operator's security costs can be reduced. Furthermore, by deactivating or deleting digital salary accounts that meet certain conditions that can be considered unused, the system can be further improved in efficiency.

[0231] <Fourth embodiment> The fourth embodiment is an embodiment in which, for example, payment for goods and the like can be made before work is performed, and debts such as payment for goods and the like can be repaid with wages, which are compensation for work.

[0232] The fourth embodiment has the effect of providing users with new purchasing, working and payment experiences, thereby improving usability.

[0233] <Configuration of Fourth Embodiment> The configurations of the server 110, information processing terminal 120, and terminal 130 in the fourth embodiment are the same as the configurations of the server 110, information processing terminal 120, and terminal 130 in the first embodiment, so the same symbols will be used here to explain the processing in the fourth embodiment.

[0234] In the fourth embodiment, the payment control module 1126 or the transaction control module 1127 of the server 110 acquires purchase information related to the purchase of goods or services by a user. For example, the payment control module 1126 acquires payment information related to the goods or services for which the user pays. The transaction control module 1127 acquires transaction information related to the goods purchased by the user on the e-commerce platform. In the fourth embodiment, the payment information and transaction information are also referred to as purchase information.

[0235] The work control module 1129 of the server 110 acquires work information about the user's planned work schedule. For example, if a user who purchased a product is hired for a specific job offer and will start work in the near future, the work control module 1129 acquires work information including work dates, salary, etc.

[0236] The payment control module 1128 of the server 110 associates the user's purchase information with the labor information. For example, if the user intends to pay for the purchase of goods or services with wages earned from labor, the payment control module 1128 associates the user's purchase information with the labor information.

[0237] The payment control module 1128 of the server 110 pays at least a portion of the price information of the goods or services included in the purchase information with the amount information of the salary for work indicated in the labor information. For example, when payment with salary for work is selected at the time of purchasing goods or services, the payment control module 1128 performs payment processing using the amount information of the salary, which is the compensation for work performed as a result of employment as a job offer, as at least a portion of the price information of the goods or services.

[0238] Through the above process, new purchasing, working and payment experiences can be provided to users, and usability can be improved.

[0239] The payment control module 1128 may lend at least a portion of the price information of the goods or services to the user. At least a portion of the price information may be set by the user at the time of purchase. The payment control module 1128 may include repaying the loaned price information using price information of salary for work corresponding to the price information.

[0240] As a specific example, the payment control module 1128 acquires from the settlement control module 1126 or the transaction control module 1127 that payment by labor has been selected as part of the purchase amount of goods or services. At this time, the payment control module 1128 associates the purchase information of the goods or services with the labor information designated for payment. When the work indicated by the labor information designated for payment is completed, the payment control module 1128 repays the loan amount information set at the time of purchase using the amount information of the salary for the work.

[0241] Through the above process, when purchasing goods or services, a new user experience can be provided in which payment of at least part of the price can be selected through labor, and the loaned amount can be repaid after labor, thereby improving usability.

[0242] The payment control module 1128 may include allowing payment processing using the labor salary amount information for at least a portion of the goods or services price information when the goods or services price information is lower than the labor salary amount information or is lower than the combined value of the user's digital salary account balance information and the labor salary amount information.

[0243] For example, when the payment control module 1128 knows the amount of compensation for future work, if the amount of compensation for future work is lower than the amount of the product or service when purchasing the product or service, it may refuse or not allow payment as compensation for work. Note that the amount of compensation for work may be replaced by the sum of the amount and the balance information of the digital salary account.

[0244] By applying restrictions to the new user experience described above through the above process, it is possible to prevent abuse of deferred payment for labor.

[0245] The payment control module 1128 may further perform the following: when the amount information of the wages for work is added to the balance information of the digital wages for work account, temporarily freeze at least a portion of the amount information of the goods or services from the balance information.

[0246] For example, after the amount information of the salary for work is added to the digital salary account, the payment control module 1128 temporarily freezes at least a portion of the amount information of the goods or services in the balance information (including the amount information of the added salary) to prevent it from being consumed by the user.

[0247] By the above process, it is possible to prevent the amount information loaned for the purchase of goods or services from being consumed by the user.

[0248] The payment control module 1126 or the transaction control module 1127 may notify the labor control module 1129 of the amount of the goods or services, and the labor control module 1129 may further suggest to the user labor information that pays a salary equal to or greater than the notified amount.

[0249] For example, when a user selects to pay for labor when purchasing goods or services, the payment control module 1126 or transaction control module 1127 notifies the labor control module 1129 of the purchase price. The labor control module 1129 may extract job offers that pay a salary equal to or greater than the notified amount from the list of job information, and propose the extracted job information (labor information) to the user. When the user selects and employs the proposed job offer, the payment control module 1128 associates this labor information with the purchase information.

[0250] By carrying out the above process, it is possible to increase the possibility of recovering the amount lent to the user by offering the user a job offer worth more than the purchase price of the product or service.

[0251] When suggesting work information to a user, the work control module 1129 may suggest the work information based on the user's user information. For example, the work control module 1129 may extract work information from multiple pieces of work information that matches the information set in the setting items based on at least one of the user information items, such as the user's address, desired salary, age, gender, and desired work content, and suggest the extracted work information to the user. Note that the matching process between user information and work information may determine similarity using AI processing using artificial intelligence or processing using functions, etc.

[0252] Through the above processing, when work information is proposed to a user, the work information is proposed based on user information, thereby improving the possibility of matching the user with the work information.

[0253] The payment control module 1128 may calculate interest based on at least a portion of the amount information of the goods or services when the user does not pay the purchase price of the goods or services with the salary from the work. For example, the payment control module 1128 may consider the failure to pay the purchase price of the goods or services with the salary from the work as a late repayment and calculate interest set based on predetermined criteria. The calculated interest is notified to the user. When the purchase price of the goods or services is subsequently paid, the payment control module 1128 may add the calculated interest to the purchase price and subtract it from the balance information of the salary account.

[0254] By the above process, if the repayment is not made by the specified date, a penalty can be imposed on the user.

[0255] When associating purchase information with labor information, the payment control module 1128 may associate purchase information related to one product or service with multiple pieces of labor information whose total salary amount is equal to or greater than the price of the product or service. For example, the payment control module 1128 may combine multiple pieces of labor information, and when the total salary amount of the combined labor information is equal to or greater than the purchase price of the product or service, associate the purchase information for the single product or service with the combined multiple pieces of labor information.

[0256] The above process allows users to have a variety of new purchasing, work, and payment experiences, further improving usability. It is recommended that multiple work information be combined based on different work days. This is because one work day is ideal for overtime calculations.

[0257] According to the fourth embodiment, it is possible to apply a pattern that starts from a purchase and a pattern that starts from a labor.

[0258] (Purchase starting point) The payment control module 1126 or the transaction control module 1127 may allow a user to select labor when purchasing goods or services. The labor control module 1129 may notify the user of the selectable labor.

[0259] For example, when a user makes a purchase of 10,000 yen on an e-commerce platform, the labor control module 1129 may enable the user to apply for job information (labor information) offering a salary (labor compensation) of 10,000 yen or more based on the amount of 10,000 yen. The labor control module 1129 may extract labor information that generates a required salary (remuneration) according to the value of the product or service.

[0260] Furthermore, when a user applies to work, the server 110 may add at least a portion of the salary (remuneration) obtained from this work to the user's credit limit (= settlement limit, added to the upper limit), lend it as a loan (= salary advance), or record it as a debt. This allows the user to make new purchases.

[0261] The server 110 may execute the above-mentioned process for the product or service selected by the user based on the payment history information after purchase. In the case of deferred payment among the payment history information, the deferred payment amount is treated as a loan, so by associating it with labor information, it becomes possible to repay the deferred payment amount with labor compensation.

[0262] The server 110 may freeze the salary amount information. When the repayment is successfully completed, a reward may be given to the user. For example, the reward may be 1,000 points. The points may be calculated based on the salary amount information or the amount of goods or services.

[0263] (Labor start) When the payment control module 1128 adds the amount information of the salary for work to the account, the transaction control module 1127 may suggest goods or services that can be purchased with the salary amount information (+balance information) from the ``like list (or favorite list)'' of the e-commerce platform.

[0264] (Terms of use) The server 110 may propose the new service described in the fourth embodiment to a user who satisfies predetermined conditions based on the user information. For example, the server 110 may permit use of the new service when at least one of the following predetermined conditions is satisfied: - Salary account (including digital salary account) balance is above a certain amount · Credit score above a certain level - Have a record of working more than the required number of times - User's annual income information is above a certain level - Deposit history must be at least the specified amount within the specified period - Your usage record of related services (e.g., services provided by e-commerce platforms or payment services) is more than the specified number of times or for a specified amount within a specified period (e.g., you have listed 10 products within one month and received payments of more than 10,000 yen)

[0265] <Operation Processing of Fourth Embodiment> The processing of the information processing system 1 according to the fourth embodiment will be described with reference to Fig. 13. Fig. 13 shows an example of a processing sequence of the information processing system 1 according to the fourth embodiment. Note that the processing shown in Fig. 13 shows, for example, an example of processing at the above-mentioned purchase starting point.

[0266] (Step S402) The user's terminal 120 requests the server 110 to purchase goods or services via the services provided by the payment control module 1126 or transaction control module 1127 of the server 110 .

[0267] (Step S404) The payment control module 1126 or the transaction control module 1127 of the server 110 acquires purchase information related to the user's purchase of goods or services. For example, the payment control module 1126 acquires payment information related to the goods or services for which the user is paying. The transaction control module 1127 acquires transaction information related to the goods the user is purchasing on the e-commerce platform. At this time, it is assumed that the user selects payment in exchange for labor as the payment method. In response to this selection, the labor control module 1129 may present the user with a list of job openings (labor list).

[0268] (Step S406) The user's terminal 120 sends an application request for a specific job to the server 110 via the recruitment service provided by the work control module 1129 of the server 110 .

[0269] (Step S408) The work control module 1129 of the server 110 acquires work information for the work that the user has applied for and been hired for. For example, if a user who purchased a product has been hired for a specific job offer and will be working in the near future, the work control module 1129 acquires work information including work dates, salary, etc.

[0270] (Step S410) The payment control module 1128 of the server 110 associates the user's purchase information with the labor information. For example, if the user decides to pay for a product or service with labor, the payment control module 1128 associates the user's purchase information with the labor information.

[0271] (Step S412) When the user's work is completed, the business operator's terminal 130 notifies the server 110 of the work completion. For example, when the terminal 130 reads a two-dimensional code or the like displayed on the user's terminal, the terminal 130 may access the server 110, and the access may indicate a work completion notification. The work completion notification may also be sent from the user's terminal 120, as in step S130 shown in FIG. 7.

[0272] (Step S414) The payment control module 1128 of the server 110 pays at least a portion of the price information of the goods or services included in the purchase information with the amount information of the salary for the work indicated in the labor information. For example, when payment with labor compensation is selected at the time of purchasing goods or services, the payment control module 1128 performs payment processing using the amount information of the salary, which is compensation for the work performed as a result of employment as the job offer, as at least a portion of the price information of the goods or services.

[0273] <Screen example> Next, an example of a screen displayed on the user's terminal 120 will be described with reference to Fig. 14. Fig. 14 is a diagram showing an example of a screen transition in which the purchase price of a product is paid with labor compensation, which is displayed on the screen of the terminal 120 according to the fourth embodiment.

[0274] For example, screen D40 shows an example of a product purchase screen on an e-commerce platform. When the user presses the "Proceed to checkout" button to purchase sneakers, the screen D40 transitions to screen D42.

[0275] Screen D42 displays, for example, a list of job information (labor information). At this time, job information exceeding the price of the product is displayed. To purchase the product, the user can select which job information to select, or whether to perform normal payment processing by paying with the charge amount, sales revenue, or points.

[0276] At this time, if the user selects the job information, the product purchase information and the job information (labor information) are associated, and the purchase price of the product can be repaid later as a loan in exchange for labor.

[0277] The screen transition from screen D40 to screen D42 is merely an example and is not limited to this. For example, after a purchase procedure button is pressed, the following payment method options are displayed: charge amount, sales amount, points, and labor. If labor is selected, a job listing as shown in screen D42 may be displayed.

[0278] As described above, according to the fourth embodiment, a new purchasing, working and payment experience can be provided to the user, and usability can be improved.

[0279] The disclosed technology is not limited to the above-described embodiment, and can be implemented in various other forms without departing from the spirit of the disclosed technology. For example, the order of the above-described processing steps can be arbitrarily changed or executed in parallel as long as no contradiction occurs in the processing content.

[0280] For example, the above-described embodiments may be combined as needed to form a new embodiment, or at least some functions of different embodiments may be combined to form a new embodiment.

[0281] The disclosed technology discloses the following supplementary notes. <Additional Notes> (Appendix 1-1) The information processing device Acquire information on the amount of salary paid in exchange for the user's work; In response to an instruction from the user, specifying whether to perform payment processing for at least a portion of the amount information before the work or to perform payment processing including payment of a digital salary after the work; performing a specified payment transaction for at least a portion of the amount information; An information processing method that performs the above. (Appendix 1-2) The payment processing includes: An information processing method as described in Appendix 1-1, which includes adding at least a portion of the amount information to a digital salary account different from the user's fund transfer account when payment processing is performed after the work. (Appendix 1-3) The payment processing includes: An information processing method described in Appendix 1-1 or 1-2, which includes adding at least a portion of the amount information to an account other than the user's digital salary account when payment processing is performed before the work. (Appendix 1-4) The payment processing includes: An information processing method described in any one of Appendices 1-1 to 1-3, which includes performing payment processing before the work when the work schedule has been decided. (Appendix 1-5) The payment processing includes: An information processing method described in any one of Appendices 1-1 to 1-4, which includes performing payment processing before the work if advance payment approval is obtained from the manager of the work. (Appendix 1-6) The payment processing includes: An information processing method described in any one of Appendices 1-1 to 1-5, which includes, when performing payment processing to an account other than the user's digital salary account, performing payment processing to a funds transfer account or processing as a loan. (Appendix 1-7) Treating it as a loan is An information processing method as described in Appendix 1-6, including setting interest and a repayment date, and including setting the repayment date based on a salary receipt date. (Appendix 1-8) The identifying step includes: An information processing method described in Appendices 1-1 to 1-7, which includes determining whether or not payment processing can be performed before the work based on the user information of the user. (Appendix 1-9) The payment processing includes: An information processing method described in any one of Appendices 1-1 to 1-8, which includes, if the user has a debt and payment processing has been performed before the work, when notification of completion of the work is obtained, processing is performed to use amount information corresponding to the debt to repay the debt. (Appendix 1-10) In the information processing device, Acquire information on the amount of salary paid in exchange for the user's work; In response to an instruction from the user, specifying whether to perform payment processing for at least a portion of the amount information before the work or to perform payment processing including payment of a digital salary after the work; performing a determined payment process for at least a portion of the amount information; A program that executes the following. (Appendix 1-11) An information processing device including one or more processors, the one or more processors: Acquire information on the amount of salary paid in exchange for the user's work; In response to an instruction from the user, specifying whether to perform payment processing for at least a portion of the amount information before the work or to perform payment processing including payment of a digital salary after the work; performing a determined payment process for at least a portion of the amount information; An information processing device that executes the above. (Appendix 2-1) The information processing device Obtaining amount information corresponding to the user's digital salary; Identifying predetermined amount information associated with the user; Subtracting the predetermined amount information from the amount information of the digital salary; registering the predetermined amount information and the amount information after the subtraction in the user's deposit and withdrawal history information; An information processing method that performs the above. (Appendix 2-2) An information processing method described in Appendix 2-1, wherein the specified amount information includes amount information corresponding to the user's debt or amount information of an automatic charge set for the user. (Appendix 2-3) The subtraction is An information processing method described in Appendix 2-1 or 2-2, which includes subtracting the specified amount information from the amount information of the digital salary before the digital salary is deposited. (Appendix 2-4) The subtraction is An information processing method described in any one of Appendices 2-1 to 2-3, which includes subtracting the specified amount information from the balance information of the user's digital salary account after the digital salary is deposited. (Appendix 2-5) An information processing method according to any one of Appendices 2-1 to 2-4, further comprising temporarily freezing the information on the predetermined amount to be subtracted. (Appendix 2-6) The subtraction is An information processing method described in any one of Appendices 2-1 to 2-5, which includes adding up the balance information of a digital salary account before the deposit and the amount information of the digital salary to be deposited, and subtracting the specified amount information from the amount information after the addition. (Appendix 2-7) The subtraction is An information processing method described in any one of Appendices 2-1 to 2-6, which includes, if the total value exceeds an upper limit when the digital salary amount information is added to the balance information of the user's digital salary account, performing the subtraction before depositing the digital salary amount information. (Appendix 2-8) An information processing method described in any one of Appendices 2-1 to 2-7, further comprising, if the sum of the digital salary amount information and the balance information of the user's digital salary account exceeds an upper limit, paying the amount information in excess of the upper limit to an account other than the user's digital salary account. (Appendix 2-9) An information processing method described in any one of Appendices 2-1 to 2-8, further comprising the step of suggesting to the user that they transfer funds from their digital salary account if, before the digital salary amount information is deposited, the total value exceeds an upper limit when the digital salary amount information is added to the balance information of the user's digital salary account. (Appendix 2-10) In the information processing device, Obtaining amount information corresponding to the user's digital salary; Identifying predetermined amount information associated with the user; Subtracting the predetermined amount information from the amount information of the digital salary; registering the predetermined amount information and the amount information after the subtraction in the user's deposit and withdrawal history information; A program that executes the following. (Appendix 2-11) An information processing device including one or more processors, Obtaining amount information corresponding to the user's digital salary; Identifying predetermined amount information associated with the user; Subtracting the predetermined amount information from the amount information of the digital salary; registering the predetermined amount information and the amount information after the subtraction in the user's deposit and withdrawal history information; An information processing device that executes the above. (Appendix 3-1) The information processing device Managing each user's digital payroll account; Counting the number of the digital salary accounts, counting accounts other than the accounts whose information about the digital salary accounts satisfies a predetermined condition; outputting information about the count value of the counted digital salary account; An information processing method that performs the above. (Appendix 3-2) The outputting step includes: An information processing method described in Appendix 3-1, which includes outputting information regarding the count value to be provided to a guarantee institution that will make repayment in the event of an emergency. (Appendix 3-3) The counting step includes: An information processing method described in Appendix 3-1 or 3-2, which includes determining whether the specified conditions are met, including that the balance information of the digital salary account does not increase or decrease within a specified period, that the balance of the digital salary account is below a specified value, that there is no access to the digital salary account, or that the amount information of the digital salary as compensation for the user's labor is not added. (Appendix 3-4) The information processing method according to any one of appendices 3-1 to 3-3, further comprising deactivating or deleting a digital salary account that meets the predetermined conditions. (Appendix 3-5) The outputting step includes: An information processing method described in Appendix 3-2, which includes outputting to the guarantee agency the total amount of the balance information of the counted digital salary account, or the maximum total amount obtained by multiplying the count value by an upper limit amount. (Appendix 3-6) An information processing method as described in Appendix 3-4, further comprising, when activating the inactive digital salary account, performing identity verification that is simpler than when the digital salary account was opened. (Appendix 3-7) The above-mentioned identity verification is An information processing method according to appendix 3-6, which includes reflecting pre-entered information in corresponding setting items or reducing required setting items. (Appendix 3-8) In the information processing device, Managing each user's digital payroll account; Counting the number of the digital salary accounts, counting accounts other than the accounts whose information about the digital salary accounts satisfies a predetermined condition; outputting information about the count value of the counted digital salary account; A program that executes the following. (Appendix 3-9) An information processing device including one or more processors, the one or more processors: Managing each user's digital payroll account; Counting the number of the digital salary accounts, counting accounts other than the accounts whose information about the digital salary accounts satisfies a predetermined condition; outputting information about the count value of the counted digital salary account; An information processing device that executes the above. (Appendix 4-1) The information processing device Obtaining purchase information regarding the purchase of goods or services by the User; Obtaining work information of the user's work schedule; Correlating the purchase information with the labor information; paying at least a part of the price information of the goods or services included in the purchase information with the price information of the salary for the work indicated in the labor information; An information processing method that performs the above. (Appendix 4-2) Said payment is Lending at least a portion of the price information of the goods or services to the user; An information processing method as described in Appendix 4-1, which includes repaying the loan amount information using amount information of the salary for the work corresponding to the amount information. (Appendix 4-3) Said payment is An information processing method as described in Appendix 4-1 or 4-2, which includes allowing payment processing using the labor salary amount information for at least a portion of the goods or services price information when the goods or services price information is lower than the labor salary amount information, or when the goods or services price information is lower than the combined value of the user's salary account balance information and the labor salary amount information. (Appendix 4-4) An information processing method described in any one of Appendices 4-1 to 4-3, further comprising, when the amount information of the salary from the work is added to the balance information of the salary account from the work, temporarily freezing at least a portion of the amount information of the goods or services from the balance information. (Appendix 4-5) An information processing method described in any one of Appendices 4-1 to 4-4, further comprising suggesting to the user work information that pays a salary equal to or greater than the amount of the goods or services. (Appendix 4-6) The proposal is: An information processing method described in Appendix 4-5, which includes suggesting the work information based on user information of the user. (Appendix 4-7) Said payment is An information processing method described in any one of Appendices 4-1 to 4-6, which includes calculating interest based on at least a portion of the amount information of the goods or services if payment is not made as salary for the labor. (Appendix 4-8) The associating step may include: An information processing method described in any one of Appendices 4-1 to 4-7, which includes associating multiple pieces of labor information, the total amount of which is equal to or greater than the amount of a single product or service, with purchase information relating to the single product or service. (Appendix 4-9) In the information processing device, Obtaining purchase information regarding the purchase of goods or services by the User; Obtaining work information of the user's work schedule; Correlating the purchase information with the labor information; paying at least a part of the price information of the goods or services included in the purchase information with the price information of the salary for the work indicated in the labor information; A program that executes the following. (Appendix 4-10) An information processing device including one or more processors, the one or more processors: Obtaining purchase information regarding the purchase of goods or services by the User; Obtaining work information of the user's work schedule; Correlating the purchase information with the labor information; paying at least a part of the price information of the goods or services included in the purchase information with the price information of the salary for the work indicated in the labor information; An information processing device that executes the above. [Explanation of symbols]

[0282] 1...information processing system, 110, 150...server, 111...processor, 112...memory, 113...storage, 114...input / output I / F, 115...input device, 116...output device, 117...transmitter / receiver, 120, 130...terminal, 121...processor, 122...memory, 123...storage, 124...input / output I / F, 125...input device, 126...output device, 127...transmitter / receiver, 1126...payment control module, 1127...transaction control module, 1128...payment control module, 1129...labor control module, 1222...payment processing module, 1223...transaction processing module, 1224...labor processing module, 1225...display control module

Claims

1. The information processing device Obtaining purchase information regarding the user's purchase of goods or services; Obtaining work information of the user's work schedule; Associating the purchasing information with the labor information; paying at least a part of the price information of the goods or services included in the purchase information with the price information of the salary for the work indicated in the labor information; An information processing method that performs the above.

2. Said payment is Lending at least a portion of the price information of the goods or services to the user; 2. The information processing method according to claim 1, further comprising: repaying the loan amount information using amount information of the salary for the work corresponding to the loan amount information.

3. Said payment is 2. The information processing method of claim 1, further comprising: allowing payment processing using the labor salary amount information for at least a portion of the goods or services price information if the goods or services price information is lower than the labor salary amount information, or if the price information is lower than the combined value of the user's salary account balance information and the labor salary amount information.

4. The information processing method according to claim 1, further comprising the step of temporarily freezing at least a portion of the amount information of the goods or services from the balance information when the amount information of the salary from the work is added to the balance information of the salary account from the work.

5. The information processing method according to claim 1 , further comprising the step of suggesting to the user work information that pays a salary equal to or greater than the amount of the product or service.

6. The proposal is: The information processing method according to claim 5 , further comprising suggesting the work information based on user information of the user.

7. Said payment is The information processing method according to claim 1 , further comprising calculating interest based on at least a portion of the price information of the goods or services when payment is not made with the wages for the labor.

8. The associating step may include:

2. The information processing method according to claim 1, further comprising associating, with purchase information relating to one product or service, a plurality of pieces of labor information whose total salary is equal to or greater than the price of said one product or service.

9. In the information processing device, Obtaining purchase information regarding the user's purchase of goods or services; Obtaining work information of the user's work schedule; Associating the purchasing information with the labor information; paying at least a part of the price information of the goods or services included in the purchase information with the price information of the salary for the work indicated in the labor information; A program that executes the following.

10. An information processing device including one or more processors, the one or more processors: Obtaining purchase information regarding the user's purchase of goods or services; Obtaining work information of the user's work schedule; Associating the purchasing information with the labor information; paying at least a part of the price information of the goods or services included in the purchase information with the price information of the salary for the work indicated in the labor information; An information processing device that executes the above.

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