Account balance fund transfer system

Abstract

The goal is to provide a payroll system that offers benefits to both the organization paying the salary and the employee receiving it. [Solution] The system is configured to automatically transfer the excess amount to the registered member's excess transfer accounts A5 and B5 when the account balance exceeds a predetermined amount, and a certain amount of time has elapsed since the deposit or at a predetermined time.

Description

Technical Field

[0001] The present invention relates to a salary payment system, and particularly to a salary payment system including a process of receiving salary by means other than legal tender such as electronic money.

Background Art

[0002] In recent years, a system that allows salary to be received in electronic money has been proposed, and further, a system that automatically distributes the received (or to-be-received) salary to necessary transfer destinations has been proposed (see, for example, Patent Document 1).

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] However, for the company (organization) that pays the salary, whether the salary is paid by the conventional bank transfer or by the transfer to the electronic money account, there is no change in the required labor and cost, and there is no felt merit.

[0005] The present invention has been made in view of such problems, and an object thereof is to provide a salary payment system, a salary payment device, and a registration device in which both the company (organization) that pays the salary and the employee (member) who receives the salary can feel the merit.

Means for Solving the Problems

[0006] To achieve this objective, the present invention provides a salary payment system comprising: salary information storage means for storing the salary amounts of multiple members belonging to an organization; salary distribution information storage means for storing salary distribution information registered by the multiple members using a registration device; a bulk fund transfer means for transferring the total amount of the salary amounts of the multiple members stored in the salary information storage means from the organization's account to a specific account; an individual fund transfer means for transferring the salaries of the multiple members stored in the salary information storage means from the specific account to which the funds have been transferred by the bulk fund transfer means to the respective settlement accounts opened in advance by the multiple members; and a distribution execution means for automatically performing distribution processing from each member's settlement account to other accounts based on the distribution information stored in the salary distribution information storage means.

[0007] Furthermore, the present invention is characterized in that, in addition to the configuration described above, it has an exchange means that allows mutual exchange of legal tender and any other payment means including electronic money, electronic payment methods, and crypto assets, and the payroll system is configured to exchange legal tender and the other payment means via the exchange means when depositing the other payment means from a legal tender account handling the legal tender into the payment account, and when depositing the other payment means from the payment account into the legal tender account.

[0008] Furthermore, the present invention is characterized in that, in addition to the configuration described above, the specified account is composed of an account for any other payment method different from legal tender, including electronic money, electronic payment methods, and crypto assets, and the lump-sum fund transfer means is configured to transfer funds in a lump sum from the organization's account to a predetermined account for legal tender, and then transfer the funds in a lump sum to the specified account, which is an account for one of the other payment methods.

[0009] Furthermore, in addition to the configuration described above, the present invention is a salary payment system configured such that when a member opens a settlement account for any of the other settlement means, including electronic money, electronic payment means, or crypto assets, which are different from legal tender, a salary transfer account for the other settlement means and a general account for the other settlement means are automatically opened as the member's settlement accounts; the individual fund transfer means is configured to transfer the member's salary to the salary transfer account; and the distribution execution means deposits funds from the salary transfer account to the general account, or the member manually deposits funds from the salary transfer account to the general account, thereby creating a balance in the general account and enabling the member to use the other settlement means.

[0010] Furthermore, in addition to the configuration described above, the present invention is a salary payment system configured such that, after the salary of the member is deposited into the settlement account by the individual fund transfer means, if the balance in the settlement account is greater than a predetermined amount, and a certain amount of time has elapsed since the deposit or a predetermined time has arrived, the excess amount relative to the predetermined amount is automatically transferred to the registered excess transfer account of the member.

[0011] Furthermore, the present invention is characterized in that, in addition to the configuration described above, when the individual fund transfer means transfers salary from the specified account to the settlement account of the member, it refers to the transfer information in the salary transfer information storage means, causes the transfer execution means to execute the transfer process from the specified account to other accounts in accordance with the transfer information, and transfers the balance after the transfer to the settlement account.

[0012] Furthermore, the present invention is characterized by a salary payment system comprising: a salary information storage means for storing the salary amounts of multiple members belonging to an organization; a salary distribution information storage means for storing salary distribution information registered by the multiple members; an individual fund transfer means for transferring the salaries of the multiple members stored in the salary information storage means from a specific account to which the total amount of the salaries of the multiple members stored in the salary information storage means has been transferred collectively from the organization's account to each settlement account previously opened by the multiple members; and a distribution execution means for automatically performing distribution processing from each member's settlement account to other accounts based on the distribution information stored in the salary distribution information storage means.

[0013] Furthermore, the present invention is characterized by a payroll payment device comprising: payroll information storage means for storing the payroll amounts of multiple members belonging to an organization; payroll distribution information storage means for storing payroll distribution information registered by the multiple members; individual fund transfer means for transferring the payroll amounts of the multiple members stored in the payroll information storage means from a specific account to which the funds for the total payroll amounts of the multiple members stored in the payroll information storage means have been transferred collectively from the organization's account to each settlement account previously opened by the multiple members; and distribution execution means for automatically performing distribution processing from each member's settlement account to other accounts based on the distribution information stored in the payroll distribution information storage means.

[0014] Furthermore, the present invention relates to a system in which funds totaling the total amount of salaries of multiple members belonging to an organization are transferred collectively from the organization's account to a specific account, and then predetermined salaries are transferred to settlement accounts opened in advance by the members, and the system automatically performs a transfer process from the members' settlement accounts to other accounts based on registered transfer information, characterized in that the system is provided with a registration device that has means for pre-registering transfer information, including account information, transfer amount, and transfer execution date, for transferring the salaries to other accounts. [Effects of the Invention]

[0015] According to the present invention, the total amount of salaries of multiple members is transferred from the organization's account to a specific account, and then the salaries are automatically distributed and transferred to each member's settlement account. Furthermore, the distribution process is automatically executed for each member based on the distribution information registered by each member. This reduces the workload and transfer fees for the organization, as well as the workload for the members, thereby improving convenience and benefits for both the organization and its members.

[0016] Furthermore, according to the present invention, the exchange process between legal tender and other payment methods can also be performed within the system, making it more convenient and allowing for faster processing.

[0017] Furthermore, according to the present invention, since a specific account is composed of accounts for other payment methods, the exchange process between legal tender and other payment methods can be carried out in advance, thereby simplifying the process at the time of salary payment.

[0018] Furthermore, according to the present invention, by separating the members' settlement accounts into salary deposit accounts for other payment methods and general accounts for other payment methods, the flow of money when salaries are paid and the subsequent usage history as electronic money can be managed separately, making it easier for members to understand and manage their money flow.

[0019] Furthermore, according to the present invention, when there is a balance in the settlement account that exceeds a predetermined amount, the excess amount is automatically transferred to a pre-registered account for transfers, thereby improving convenience for members. In addition, since the excess amount is transferred after a certain period of time has elapsed since the deposit or at a predetermined time, the service can also accommodate those who wish to transfer funds manually.

[0020] Furthermore, according to the present invention, if it is known in advance that allocation settings have been made by the members, the allocation process can be performed immediately from the specified account, thereby enabling the completion of salary allocation processing more quickly.

[0021] Further, according to the present invention, by easily registering the allocation information, it is possible to simply and surely execute the allocation process desired by the members.

Brief Description of the Drawings

[0022] [Figure 1] It is a system configuration diagram for explaining a salary payment system according to an embodiment of the present invention. [Figure 2] It is a flowchart for explaining the main flow of the salary payment system according to the embodiment. [Figure 3] It is a flowchart for explaining the countermeasure flow when the balance of the salary payment system according to the embodiment exceeds the limit. [Figure 4] It is a system configuration diagram for explaining another example of the salary payment system according to the embodiment.

Modes for Carrying Out the Invention

[0023] Hereinafter, embodiments of the present invention will be described with reference to FIGS. 1 to 4.

[0024] As shown in FIG. 1, the salary payment system 1 of the present embodiment includes a salary payment device 10, specific accounts 20, a system 30 of an enterprise (organization), terminals A and B as registration devices for employees (members) of the enterprise (organization), bank accounts A3, A4, B3, B4 to which transfers are made in the allocation process, and overtime transfer accounts (designated alternative accounts) A5, B5 which will be described later. Hereinafter, each component will be described. In FIGS. 1 and 4, solid lines indicate the flow of money, and dotted lines indicate the flow of information.

[0025] The payroll payment device 10 consists of computers such as servers and has control means 11 that control the entire payroll payment system 1. Furthermore, it has settlement accounts (in this case, electronic money accounts) A1, A2, B1, and B2 opened by each employee (each member). Although referred to collectively as "computers" here, the payroll payment device 10 may consist of a single computer, or it may consist of multiple computers working together to form the payroll payment device 10.

[0026] Furthermore, in this embodiment, the payroll device 10 is equipped with exchange means 14 and 15 for processing the exchange between legal tender and electronic money. Here, the exchange means 14, which processes the exchange from legal tender to electronic money, and the exchange means 15, which processes the exchange from electronic money to legal tender, are described as separate configurations, but this is not the only configuration, and a single exchange means may be configured to process both the exchange from legal tender to electronic money and the exchange from electronic money to legal tender. Also, the exchange means may not be provided within the payroll device 10. When exchanging from legal tender to electronic money, and from electronic money to legal tender, the exchange may be performed via an external exchange means before being deposited into an electronic money account or an external bank account, etc.

[0027] As described above, the control means 11 is programmed to control the entire payroll system 1 and includes a payroll information storage means 12 as a database that stores payroll information including the pay amounts of each employee and the total pay amount sent from the control means 31 of the company's system 30, and a payroll distribution information storage means 13 as a database that stores payroll distribution information (appropriate information including account information for distributing pay to other accounts, distribution amount, and distribution execution date) that each of the multiple employees has registered in advance using terminals A and B as registration devices (appropriate terminals such as mobile phones, tablets, and PCs). Terminals A and B may connect to the payroll device 10 via, for example, a dedicated application, or via a browser, or by any appropriate means.

[0028] Furthermore, the control means 11 includes a bulk fund transfer means 17, which is an execution means for transferring the total amount of salaries of multiple employees stored in the salary information storage means 12 from the corporate account 32 managed by the company to a specific account 20 managed by the salary payment device 10 via the control means 31 of the company's system 30. In addition, it includes an individual fund transfer means 18, which is an execution means for transferring the salaries of multiple employees stored in the salary information storage means 12 from the specific account 20 to which the funds have been transferred by the bulk fund transfer means 17 to their respective electronic money accounts A1, B1 that they have opened in advance. Furthermore, it includes a distribution execution means 19, which is an execution means for automatically performing distribution processing from each employee's electronic money account A1, B1 to other accounts A2, A3, A4, B2, B3, B4 based on the distribution information stored in the salary distribution information storage means 13.

[0029] Furthermore, in this embodiment, when an employee opens an electronic money account to use the payroll system 1, the system is configured to automatically open electronic money payroll accounts A1 and B1 and general accounts A2 and B2, which are used for managing electronic money payments, etc., as the employee's electronic money accounts. Payroll accounts A1 and B1 are, as the name suggests, accounts into which salaries from the company are transferred, and the system is configured to perform transfer processing from these accounts to other accounts A3, A4, B3, and B4, including general accounts A2 and B2, using the distribution execution means 19. General accounts A2 and B2 are accounts from which amounts are deducted according to usage when making payments as electronic money. Note that employees may also manually transfer funds from payroll accounts A1 and B1 to general accounts A2 and B2. By having a balance in general accounts A2 and B2 in this way, the system is configured to make the employee's electronic money usable.

[0030] Furthermore, there may be cases where, when an employee opens an electronic money account as a payment account, a salary deposit account and a general account are not automatically opened. For example, when an employee opens an electronic money account, a general account may be opened first, and then the employee may manually open a salary deposit account. Conversely, when an electronic money account is opened, a salary deposit account may be opened, and then a general account may be opened manually.

[0031] Furthermore, in the case of electronic money accounts, such as salary deposit accounts A1 and B1, there are cases where it is not possible to deposit an amount exceeding a certain limit (due to laws, regulations, etc.). In this embodiment, the salary distribution information storage means 13 is configured to pre-set excess transfer accounts (also called designated alternative accounts) A5 and B5, which will be used to forcibly transfer funds if the balance of salary deposit accounts A1 and B1 exceeds a certain amount (for example, 100,000 yen, 800,000 yen, 1,000,000 yen, etc.). For example, on the day of salary deposit, the system checks whether the balance exceeds the certain limit after a certain amount of time has elapsed since the salary deposit (for example, 4 hours later, 12 hours later, 1 day later, etc.) or at a predetermined time (for example, 14:00, 15:30, etc.). If it does, the distribution execution means 19 is configured to forcibly transfer the excess amount to the excess transfer accounts A5 and B5.

[0032] Here, the individual fund transfer device 18 is programmed with allocation settings set by the employee, as well as allocation settings for excess amounts. After the employee's salary is deposited into salary deposit accounts A1 and B1, if the balance in those accounts exceeds a predetermined amount, and a certain amount of time has elapsed since the deposit or a predetermined time (regular time) has arrived, the excess amount relative to the predetermined amount is automatically transferred to the registered excess transfer accounts A5 and B5. In this example, the settings are stored in the salary allocation information storage device 13 and executed by the individual fund transfer device 18, but this is not the only way, and the settings may be programmed to be stored and executed by other means.

[0033] Next, each process using the above configuration will be explained with reference to Figures 2 and 3.

[0034] First, the main process, which performs execution processing using the batch fund transfer means 17, individual fund transfer means 18, and distribution execution means 19 based on the information in the salary information storage means 12 and the salary distribution information storage means 13, will be explained using Figure 2.

[0035] First, at a predetermined date and time before or on payday, a fund transfer request is made to the company's control means 31 by the bulk fund transfer means 17 based on the salary information storage means 12. This results in a bulk fund transfer instruction to transfer the total amount of salaries of multiple employees from the company account 32 to a specific account 20 (step S1). Note that the system 1 of the present invention does not have this bulk fund transfer means 17, and the company may directly perform the bulk fund transfer operation using the company's control means 31. In this case, the system 1 of the present invention is configured to wait for the bulk fund transfer from the company before performing the following steps 2 and beyond.

[0036] Next, on payday, based on the payroll information storage means 12, an individual fund transfer instruction is issued by the individual fund transfer means 18 to transfer the entire salary from the specified account 20 to the payroll transfer accounts A1 and B1 of each employee's electronic money account (step S2).

[0037] Subsequently, the system checks whether the payroll distribution information storage means 13 contains distribution setting information (step S3). If there is no distribution setting information, the main process is terminated. If there is distribution setting information, the distribution execution means 19 then uses the payroll distribution information storage means 13 to distribute the payroll from each employee's payroll transfer accounts A1 and B1 to their respective accounts A2, A3, A4, B2, B3, B4, etc. (step S4), and the main process is terminated.

[0038] Next, we will explain the process for handling excess balances, which involves checking whether the amounts in salary deposit accounts A1 and B1 exceed a certain amount and forcibly transferring any excess funds, using Figure 3.

[0039] First, it is determined whether a salary has been deposited into the aforementioned salary deposit accounts A1 and B1 (step S11). If the salary deposit has not yet been made, the system waits until the deposit is made.

[0040] Furthermore, if a salary payment has been made, the next step is to determine whether a certain amount of time (for example, 4 hours, 8 hours, 1 day, etc., a predetermined time) has elapsed since the salary payment (step S12). If the predetermined time has not yet elapsed, the system waits until it has elapsed. In addition to determining whether a certain amount of time has elapsed, it may also be necessary to determine whether a predetermined time (for example, 14:00, 15:30, etc.) has arrived.

[0041] Furthermore, after a certain period of time has elapsed or at a predetermined time (scheduled time), the next step is to determine whether the balances in salary deposit accounts A1 and B1 exceed a certain amount (step S13). If the balances do not exceed the certain amount, the process is terminated.

[0042] Furthermore, if the balance exceeds a certain amount, the excess amount is forcibly transferred to pre-configured excess transfer accounts A5 and B5 (step S14), and the process is terminated.

[0043] As described above, according to the salary payment system 1 of this embodiment, the total amount of salaries for multiple employees is transferred from the company account 32 to a specific account 20, and then automatically allocated and transferred to each employee's electronic money account (settlement account) A1, B1. Furthermore, the system automatically performs individual allocation processing for each employee based on the allocation information registered by each employee. This reduces the effort and transfer fees for the company, as well as the effort for employees, thereby improving convenience and benefits for both the company and employees.

[0044] Furthermore, according to the salary payment system 1 of this embodiment, the exchange process between legal tender and electronic money (other payment methods) can also be performed within the system, making it more convenient and allowing for faster processing.

[0045] Furthermore, according to the salary payment system 1 of this embodiment, by separating employees' electronic money (other payment method) accounts (settlement accounts) into electronic money (other payment method) salary transfer accounts A1, B1 and electronic money (other payment method) general accounts A2, B2, the flow of money when salary is paid and the subsequent usage history of electronic money (other payment method) can be managed separately, making it easier for employees to understand and manage their money flow.

[0046] Furthermore, according to the payroll system 1 of this embodiment, when there is a balance in electronic money accounts A1 and B1 that exceeds a predetermined amount, the excess amount is automatically transferred to pre-registered excess transfer accounts (designated alternative accounts) A5 and B5, thereby improving employee convenience. In addition, since the excess amount is transferred after a certain period of time has elapsed since the deposit or at a predetermined time (scheduled time), the service can also accommodate cases where employees wish to transfer funds manually.

[0047] Furthermore, according to the terminals (registration devices) A ​​and B of this embodiment, by easily registering assignment information, the desired assignment process for employees can be executed easily and reliably.

[0048] Although the present invention has been described using the embodiments described above, these embodiments are intended to facilitate understanding of the present invention and are not intended to limit its interpretation. The present invention can be modified and improved without departing from its spirit, and equivalents thereof are also included.

[0049] For example, in the salary payment system 1 and salary payment device 10 of the above-described embodiment, a legal tender account is used as the specified account 20, and at the time of salary payment, the funds are exchanged for electronic money by the exchange means 14 and transferred to each employee's electronic money accounts A1 and B1. However, this is not the only option. For example, as shown in Figure 4, in the salary payment system 101 and salary payment device 110, when funds are deposited from the company account 32 into the legal tender account 120, the funds are immediately deposited in a specified electronic money account 116 as a specified account via the exchange means 14, and from there, at the time of salary payment, the funds are transferred to each employee's electronic money accounts A1 and B1 as settlement accounts.

[0050] Thus, because the specified account 116 consists of electronic money accounts, the exchange process between legal tender and electronic money can be carried out in advance, making the processing at the time of salary payment simpler.

[0051] Furthermore, in the embodiment described above, each employee's salary was first transferred in full to each employee's electronic money account (settlement account) A1, B1, and then distributed to other pre-registered accounts A2, A3, A4, B2, B3, B4. However, the system is not limited to this. For example, the distribution information of the salary distribution information storage means 13 could be provided to the specific account 20 in Figure 1, thereby allowing salary transfers to be performed while the distribution process is running from the beginning. In other words, the system would move each employee's salary to the distribution destination according to the distribution settings, and then deposit the remaining amount into each employee's electronic money account A1, B1.

[0052] Thus, if it is known in advance that employee allocation settings have been made, the allocation process can be initiated immediately from the specified account 20, allowing for faster completion of the payroll allocation process.

[0053] Furthermore, in the embodiment described above, each employee's electronic money account (settlement account) was divided into a salary deposit account A1 and a general account A2, but this is not the only option, and the salary deposit account and the general account may be combined into a single account.

[0054] In this case, fund transfers can be minimized, resulting in a quick and convenient configuration.

[0055] Furthermore, while the above-described embodiment only specifies checking whether the balance exceeds a certain amount for salary deposit accounts A1 and B1, it is not limited to this, and the same check may be performed for general accounts A2 and B2 as well.

[0056] Furthermore, general accounts A2 and B2 may be configured to verify whether the amount exceeds a certain limit when transferring funds from salary deposit accounts A1 and B1.

[0057] Furthermore, while the distribution information stored in the aforementioned salary distribution information storage means 13 is configured to include a bank account for legal tender and an electronic money account within the salary payment device 10 as distribution destinations, it is not limited to these. For example, in addition to a bank account for legal tender and an electronic money account within the salary payment device 10, it may also be possible to set other types of electronic money accounts, accounts for electronic payment methods such as stablecoins, virtual currency (crypto asset) accounts such as Bitcoin, securities company accounts, FX accounts, and other appropriate accounts. Moreover, based on such distribution information, the distribution execution means 19 may automatically perform the distribution process from each employee's settlement accounts A1 and B1 to other accounts.

[0058] Furthermore, in the embodiment described above, settlement accounts A1 and B1 were composed of electronic money accounts, but this is not limited to this, and settlement accounts may also be composed of appropriate accounts such as stablecoin accounts, cryptocurrency (crypto asset) accounts such as Bitcoin, securities company accounts, and FX accounts.

[0059] Furthermore, the specified accounts (20,116) may also consist of accounts other than legal tender accounts and electronic money accounts, such as accounts for electronic payment methods like stablecoins, cryptocurrency (crypto asset) accounts like Bitcoin, securities company accounts, and FX accounts.

[0060] Furthermore, the information stored in the salary transfer information storage means 13 and the distribution execution means 19 allow for the transfer of funds to overflow accounts (designated alternative accounts) A5 and B5 when the balance of settlement accounts A1 and B1 exceeds a certain amount. These accounts are not limited to legal tender accounts as in the embodiment described above, but may also include electronic money accounts, stablecoin and other electronic payment method accounts, cryptocurrency (crypto asset) accounts such as Bitcoin, securities company accounts, FX accounts, and other appropriate accounts (even accounts in someone else's name).

[0061] Furthermore, regarding the means of exchange, in the embodiment described above, different types of currencies (such as legal tender and electronic money) were exchanged through the means of exchange. However, the system is not limited to this, and in cases where the exchange rate does not change, the system may be designed to exchange currencies without using special means such as the means of exchange. [Explanation of symbols]

[0062] 1,101 Payroll System 10,110 Payroll device 11 Control means for payroll device 12. Salary information storage means 13. Salary allocation information storage means 14,15 Means of exchange 17. Bulk fund transfer method 18. Individual means of fund transfer 19 Distribution execution means 20. Specific Account 30 Companies' Systems 31. Corporate Control Means 32. Corporate Account (Organizational Account) 116. Designated Electronic Money Account (Designated Account) 120 fiat currency account Terminals A and B (registration devices) A1, B1 Salary deposit account (settlement account, electronic money account) A2, B2 General Accounts (Settlement Accounts, Electronic Money Accounts) A3, A4, B3, B4 bank accounts A5, B5 Account for transfers in case of excess balance (designated alternative account)

Claims

1. I have an electronic money account where I hold funds in electronic money. A means for checking the balance of the electronic money account at predetermined intervals or at predetermined times, A means of checking whether the balance of the aforementioned electronic money account is greater than a predetermined amount, A means for automatically transferring the amount exceeding a predetermined amount to one or more of the following accounts of the member, which are pre-registered bank accounts, other electronic money accounts, accounts of other types of electronic money, electronic payment method accounts, cryptocurrency accounts, securities company accounts, and FX accounts, when a certain amount of time has elapsed since a deposit was made to the electronic money account or at a predetermined time, if the balance in the electronic money account is greater than a predetermined amount, An account balance fund transfer system characterized by comprising control means having

2. The account balance fund transfer system according to claim 1, characterized in that the electronic money account is a salary deposit account registered by multiple members of an organization to receive their salaries.

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