Payroll system and program

Abstract

To contribute to the widespread adoption of digital payroll services. [Solution] The payroll system includes a communication unit that receives digital money expense settlement information from a terminal device of a user who receives at least a portion of their salary in digital money, indicating that the expense settlement amount will be paid in digital money from the next payroll, and an agency control unit that settles the expense settlement amount from the user's next payroll based on the digital money expense settlement information and the user's next payroll information.

Description

Technical Field

[0001] The present invention relates to a salary system and a program.

Background Art

[0002] Conventionally, a system for providing a salary payment service (digital salary payment service) using digital money such as electronic money and cryptocurrency (also called virtual currency) 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] In order to popularize the digital salary payment service, further improvement of the salary system that provides the digital salary payment service is desired.

[0005] An object of the present invention is to provide a salary system and a program that can contribute to the popularization of the digital salary payment service.

Means for Solving the Problems

[0006] One aspect of the present invention includes a communication unit that receives digital money expense settlement information indicating that an expense settlement amount by digital money will be paid from the next salary from a terminal device of a user who receives at least a part of the salary in digital money, and a proxy control unit that settles the expense settlement amount by the next salary of the user based on the digital money expense settlement information and the information of the next salary of the user.

[0007] One aspect of the present invention is a program that causes a computer to perform the following steps: a communication step of receiving digital money expense settlement information from a terminal device of a user who receives at least a portion of their salary in digital money, indicating that the expense settlement amount will be paid in digital money from the next salary; and a proxy control step of settling the expense settlement amount from the user's next salary based on the digital money expense settlement information and information on the user's next salary. [Effects of the Invention]

[0008] According to the present invention, it is possible to achieve the effect of contributing to the widespread adoption of digital payroll services. [Brief explanation of the drawing]

[0009] [Figure 1] This figure shows an example of the device configuration of the payroll system according to this embodiment. [Figure 2] This figure shows an example of the operation flow of the payroll system of this embodiment. [Figure 3] This figure shows an example of a screen for selecting a payment method using digital money in this embodiment. [Figure 4] This figure shows an example of the digital payroll service according to this embodiment. [Figure 5] This figure shows an example of the digital payroll service according to this embodiment. [Figure 6] This figure shows an example of the operation flow of the payroll system of this embodiment. [Figure 7] This figure shows an example of the operation flow of the payroll system of this embodiment. [Figure 8] This figure shows an example of the operation flow of the payroll system of this embodiment. [Figure 9] This figure shows an example of a screen for selecting a payment method using digital money in this embodiment. [Figure 10] This figure shows an example of the operation flow of the payroll system of this embodiment. [Figure 11]This is a diagram showing an example of a selection screen for the digital recharge method of the present embodiment. [Figure 12] This is a diagram showing an example of the operation flow of the salary system of the present embodiment. [Figure 13] This is a diagram showing an example of the operation flow of the salary system of the present embodiment. [Figure 14] This is a diagram showing an example of the operation flow of the salary system of the present embodiment.

Mode for Carrying Out the Invention

[0010] The salary system 1 of the present embodiment will be described with reference to the drawings. The embodiments described below are merely examples, and the embodiments to which the present invention is applied are not limited to the following embodiments. In all the drawings for explaining the embodiments, those having the same function are denoted by the same reference numerals, and repeated explanations are omitted. In addition, “based on XX” as used in the present application means “based at least on XX”, and includes cases where it is based on another element in addition to XX. Also, “based on XX” is not limited to the case where XX is directly used, and includes cases where it is based on something obtained by performing operations or processing on XX. “XX” is an arbitrary element (for example, arbitrary information).

[0011] [Embodiment] Hereinafter, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a diagram showing an example of the device configuration of the salary system 1 of the present embodiment. The salary system 1 of the present embodiment provides a digital salary payment service for paying the salary (so-called monthly salary) that an enterprise pays to its employees monthly by digital money.

[0012] In the following description, the payer of the salary such as an enterprise is also referred to as “client CL” or “client enterprise”. In the following description, the recipient of the salary such as an enterprise is also referred to as “user U”.

[0013] The salary payment agency system 1 includes a salary payment agency device 10, a client terminal 20, and a user terminal 30. The client terminal 20 is a terminal device operated by the client CL. The user terminal 30 is a terminal device operated by the user U.

[0014] The salary payment agency device 10 and the client terminal 20 are connected via a network N1. The salary payment agency device 10 and the user terminal 30 are connected via a network N2. Both the network N1 and the network N2 are, for example, the Internet, and various information exchanges are carried out between the connected devices by wired communication or wireless communication. In the following description, the descriptions of the network N1 and the network N2 are omitted.

[0015] [Configuration of Salary Payment Agency Device] The salary payment agency device 10 includes an arithmetic unit 11 and a storage unit 12. The arithmetic unit 11 includes a Central Processing Unit (CPU) and operates based on the programs and data stored in the storage unit 12 to provide various functions. The storage unit 12 is composed of, for example, a hard disk drive or a semiconductor memory (flash memory, RAM, ROM), and stores various information such as programs and data read by the arithmetic unit 11. Note that the storage unit 12 may be realized by a virtual storage device such as a cloud server outside the salary payment agency device 10.

[0016] [Configuration of Client Terminal] The client terminal 20 is, for example, a personal computer, a tablet, a smartphone, etc., and includes a client terminal display unit 21, a client terminal operation unit 22, an arithmetic unit 23, and a storage unit 24.

[0017] The client terminal display unit 21 is equipped with, for example, a liquid crystal display and displays various images. In the following description, the act of the client terminal display unit 21 displaying an image is also referred to as presenting an image to the client CL. The client terminal operation unit 22, for example, is equipped with a touch panel and detects operations performed by the client CL.

[0018] The arithmetic unit 23 (not shown) is equipped with a central processing unit (CPU) and operates based on programs and data stored in the storage unit 24 (not shown), providing various functions. The storage unit 24 is composed of, for example, a hard disk drive or semiconductor memory (flash memory, RAM, ROM), and stores various types of information, such as programs and data read by the arithmetic unit 23. The storage unit 24 may also be implemented by a virtual storage device, such as a cloud server, located outside the client terminal 20.

[0019] [User terminal configuration] The user terminal 30 is, for example, a personal computer, a tablet, or a smartphone, and comprises a user terminal display unit 31, a user terminal operation unit 32, a calculation unit 33, and a storage unit 34.

[0020] The user terminal display unit 31 is equipped with, for example, a liquid crystal display and displays various images. In the following description, the display of an image by the user terminal display unit 31 is also referred to as presenting an image to the user U. The user terminal operation unit 32, for example, is equipped with a touch panel and detects user U's operations.

[0021] The arithmetic unit 33 (not shown) is equipped with a central processing unit (CPU) and operates based on programs and data stored in the storage unit 34 (not shown), providing various functions. The storage unit 34 is composed of, for example, a hard disk drive or semiconductor memory (flash memory, RAM, ROM), and stores various types of information, such as programs and data read by the arithmetic unit 33. The storage unit 34 may also be implemented by a virtual storage device, such as a cloud server, located outside the user terminal 30.

[0022] [Functions of the payroll processing system] The calculation unit 11 of the payroll processing device 10 includes a communication unit 111, a processing control unit 112, and an incentive granting unit 113 as its functional units.

[0023] The communications unit 111 performs information communication with the client terminal 20 and the user terminal 30.

[0024] The proxy control unit 112 controls the payment of salary to user U. The incentive distribution unit 113 provides incentives to user U in conjunction with the payment of their salary.

[0025] [Workflow of the payroll system] Figure 2 is a diagram showing an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 2.

[0026] (Step S101) User U registers the method of payment of his / her salary (salary payment method) with the salary payment agency device 10. Specifically, User U operates the user terminal 30 to input the salary payment method. Here, User U registers with the salary payment agency device 10 that he / she will use a digital salary payment service to receive his / her salary in digital money.

[0027] (Step S102) The payroll payment agency control unit 112 of the payroll payment agency device 10 accepts registration of the payroll payment method from the user terminal 30 of user U. Hereinafter, the payroll payment agency control unit 112 accepts registration of the use of the digital payroll payment service from the user terminal 30 of user U. The user U that is the target of registration for use of the digital payroll payment service will also be referred to as "target user U". Furthermore, instead of user U registering the salary payment method, client CL may register user U's salary payment method. For example, user U may operate user terminal 30 to apply for registration of a salary payment method, and the payroll officer of the client company who receives the application from user U may operate client terminal 20 to register user U's salary payment method with the salary payment agency device 10. In this case, the agency control unit 112 of the salary payment agency device 10 will accept the registration of the salary payment method from client terminal 20.

[0028] (Step S103) The proxy control unit 112 receives information about the target user U (user information) from the client terminal 20. The user information about the target user U includes the target user U's past salary payment status (salary amount, etc.), digital money usage history, work history, and the target user U's salary account information.

[0029] (Step S104) The proxy control unit 112 calculates the upper limit of the digital money salary payment limit for target user U based on the user information of target user U using a predetermined calculation formula. The digital money salary payment limit is the amount of target user U's salary that is paid in digital money. The upper limit of the digital money salary payment limit is set so as not to exceed the upper limit of the target user U's salary that can be received in digital money. Furthermore, the upper limit of the digital money salary payment limit may be set as a predetermined upper limit for each salary payment service provider that manages the salary payment service device 10. In this embodiment, the system is configured to allow setting an upper limit for the digital money salary payment limit for each target user U, in addition to the predetermined upper limit. Furthermore, the maximum amount of the digital money salary payment limit may be changed for user U, whose salary is above a certain level and whose work performance meets certain conditions and is stable, and for user U, whose salary is below a certain level and whose work performance does not meet certain conditions and is unstable. For example, the system may be configured so that the higher the salary and the more stable the work performance, the higher the maximum amount of the digital money salary payment limit will be set.

[0030] The proxy control unit 112 sends a message to the target user U's user terminal 30 indicating the calculated upper limit of the digital money salary payment limit for the target user U. The target user U's user terminal 30 displays the upper limit of the digital money salary payment limit for the target user U on the user terminal display unit 31 based on the received message. The target user U recognizes the upper limit of the digital money salary payment limit displayed on the user terminal display unit 31.

[0031] (Step S105) User U sets their digital money salary payment limit to the salary payment agency device 10 at an amount less than or equal to the upper limit of the digital money salary payment limit. Specifically, User U operates the user terminal 30 to input their digital money salary payment limit.

[0032] (Step S106) User terminal 30 of target user U adds "Payment from next paycheck" as one of the options for digital money payment methods. At this time, user terminal 30 of target user U sets target user U's digital money payroll limit as the payment limit for digital money payments. As a result, target user U's digital money payroll limit is prepared as the payment limit for digital money payments even if target user U does not charge digital money.

[0033] As illustrated in Figure 3, the user terminal display unit 31 of user terminal 30 of target user U displays two selection fields for digital money payment methods: "Pay from charged funds" (P311) and "Pay from next paycheck" (P312). This allows target user U to choose to pay from their next paycheck instead of using charged digital money as their payment method.

[0034] (Step S107) The target user U selects the "Pay from next paycheck" selection field P312 displayed on the user terminal 30 and executes a payment using digital money via "Pay from next paycheck". The target user U can make a payment without charging as long as the amount is within the digital money paycheck limit. The target user U's user terminal 30 transmits digital money payment information, which shows information such as the payment amount of the digital money payment executed by "Pay from next paycheck", to the payroll payment agency device 10.

[0035] (Step S108) The payroll payment agency device 10's agency control unit 112 performs a process to advance the payment amount indicated in the digital money payment information received from the target user U's user terminal 30 (advance payment for "payment from next paycheck"). Specifically, first, the agency control unit 112 checks the balance of the target user U's digital money paycheck limit. The balance of the digital money paycheck limit is the remaining amount after deducting the amount already settled by "payment from next paycheck" from the digital money paycheck limit for the next paycheck. Next, if the balance of the target user U's digital money paycheck limit is equal to or greater than the payment amount indicated in the digital money payment information received from the target user U's user terminal 30, the agency control unit 112 transfers the payment amount from the payroll payment agency's financial institution account to the financial institution account linked to the target user U's user terminal 30, and records the transfer history indicating this transfer in the storage unit 12. The payroll payment agency's financial institution account may be a digital money account. The financial institution account linked to the user terminal 30 of target user U is the financial institution account that target user U uses for digital money payments. Alternatively, the payroll processing unit 112 of the payroll processing device 10 may receive the "payment request" itself, rather than a "request for payment amount transfer," from the user terminal 30 of target user U, and transfer the funds directly to the recipient of the payment (such as a financial institution account specified by the store receiving the payment) included in the payment request, without going through the financial institution account linked to the user terminal 30 of target user U. In other words, in the case of advance payment of "payment from next payday," the payroll payment agency device 10 completes the payment of the target user U using digital money by temporarily advancing and paying the payment amount that the target user U has settled by selecting "payment from next payday."

[0036] (Step S109) The proxy control unit 112 calculates the total amount of advance payments made from the digital money salary payment limit for the next salary, which will be paid from the next salary payment, based on the remittance history recorded in the storage unit 12. The proxy control unit 112 then bills the client company for the calculated total amount of advance payments to be paid from the next salary payment. Furthermore, invoices to client companies may be issued for the final total amount of advance payments designated as "to be paid from the next pay period" within the digital money payroll limit for the next pay period (final total advance payment amount), or they may be issued each time an advance payment is made, or in a lump sum for multiple payments.

[0037] (Step S110) The proxy control unit 112 receives information about the next pay period for target user U (pay information) from the client terminal 20. The next pay information for target user U includes the amount of the next pay period for target user U (pay amount), the pay date (payday), etc.

[0038] (Step S111) The proxy control unit 112 settles the payment in the next pay period based on the next pay period information, digital money pay limit, and final total amount of advance payments for the target user U.

[0039] Specifically, the proxy control unit 112 calculates the amount to be paid to the target user U on payday (settled salary amount) by subtracting the final total amount of advance payments from the digital money salary payment limit for the next salary payment. The target user U is paid this calculated settled salary amount on payday. At this time, the target user U receives the remaining amount of the digital money salary payment limit from the settled salary amount, i.e., "(Digital money salary payment limit) - (Final total amount of advance payments)" The payment is made in digital money. Therefore, if user U uses up their digital money salary payment limit through digital money payments via "payment from next payday," the remaining balance of the digital money salary payment limit will be zero, and therefore user U will not receive a salary payment in digital money.

[0040] Figures 4 and 5 show examples of the digital payroll service according to this embodiment.

[0041] In the example shown in Figure 4, for user U, the next salary amount is 300,000 yen, and the digital money salary payment limit is 80,000 yen. User U then uses the "Payment from next salary" option to settle the entire 80,000 yen digital money salary payment limit using digital money. As a result, the remaining 220,000 yen (300,000 yen minus the 80,000 yen payment) is paid to user U on payday. In this case, since the remaining balance of the digital money salary payment limit is zero, user U does not receive a salary payment in digital money. Subsequently, the next digital money salary payment limit of 80,000 yen is restored, and user U can again make a payment using the "Payment from next salary" option, up to the limit of the 80,000 yen digital money salary payment limit.

[0042] In the example shown in Figure 5, for user U, the next salary amount is 300,000 yen, and the digital money salary payment limit is 80,000 yen. User U then uses the "Payment from next salary" option to settle 30,000 yen of the 80,000 yen digital money salary payment limit using digital money. As a result, the remaining 270,000 yen (300,000 yen minus the 30,000 yen settlement) is paid to user U on payday. In this case, the remaining digital money salary payment limit is 50,000 yen, so user U receives a salary payment of 50,000 yen in digital money. Subsequently, the next digital money salary payment limit of 80,000 yen is restored, and user U can again make a payment using the "Payment from next salary" option, up to the limit of the 80,000 yen digital money salary payment limit.

[0043] Figure 6 shows an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 6.

[0044] Steps S201 to S205 involve registering user U (target user U) for use of the digital payroll service, setting an upper limit on the digital money payroll limit, and setting the digital money payroll limit. The details of steps S201 to S205 are the same as steps S101 to S105 in Figure 2 described above. Next, step S206 is executed.

[0045] (Step S206) The user terminal 30 of target user U adds "Pay from next paycheck" as one of the options for expense payment methods using digital money. At this time, the user terminal 30 of target user U sets the target user U's digital money payroll limit as the payment limit for expense payment using digital money. As a result, even if target user U does not charge digital money, the target user U's digital money payroll limit is prepared as the payment limit for expense payment using digital money. Then, similar to the example in Figure 3 above, the user terminal display unit 31 of the user terminal 30 of target user U displays the "Pay from charge" selection field P311 and the "Pay from next paycheck" selection field P312 on the screen for selecting the expense payment method using digital money. As a result, target user U can choose to pay from the next paycheck instead of using charged digital money as the method for paying expenses using digital money.

[0046] (Step S207) When a target user U needs to pay for expenses (e.g., business trip expenses), they select the "Pay from next paycheck" selection field P312 displayed on the user terminal 30 and execute expense payment using digital money via "Pay from next paycheck". Target user U can pay for expenses without charging, as long as the amount is within the digital money paycheck limit. The target user U's user terminal 30 transmits digital money expense payment information, which includes information such as the payment amount (expense payment amount) of the digital money expense payment executed by "Pay from next paycheck", to the payroll payment agency device 10. As a result, target user U does not have to pay for expenses with their own money (e.g., charged digital money or cash).

[0047] (Step S208) The payroll payment agency device 10's agency control unit 112 performs the process of advancing the expense payment amount indicated in the digital money expense payment information received from the target user U's user terminal 30 ("advance payment of expenses to be paid from the next paycheck"). Specifically, first, the agency control unit 112 checks the balance of the target user U's digital money payroll payment limit. The balance of the digital money payroll payment limit is the remaining amount after deducting the amount already settled by "payment from the next paycheck" from the digital money payroll payment limit for the next paycheck. Next, if the balance of the target user U's digital money payroll payment limit is equal to or greater than the expense payment amount indicated in the digital money expense payment information received from the target user U's user terminal 30, the agency control unit 112 transfers the expense payment amount from the payroll payment agency's financial institution account to the financial institution account linked to the target user U's user terminal 30, and records the transfer history indicating this transfer in the storage unit 12. The payroll payment agency's financial institution account may be a digital money account. The financial institution account linked to user terminal 30 of target user U is the financial institution account that target user U uses for digital money payments. In this "payment from next paycheck" expense advance payment, the payroll payment agency device 10 completes the expense payment by digital money for the target user U by temporarily advancing and paying the expense payment amount that the target user U has settled by selecting "payment from next paycheck".

[0048] (Step S209) The proxy control unit 112 requests the client terminal 20 to inquire about the expense settlement indicated in the digital money expense settlement information relating to the target user U.

[0049] (Step S210) In response to the inquiry regarding the expense settlement, the client terminal 20 responds to the payroll payment agency device 10 (agency control unit 112) with whether the expense settlement is approved (accepted) or not (failed). If the response from the client terminal 20 is "accepted", the agency control unit 112 records "accepted" in association with the corresponding digital money expense settlement information. On the other hand, if the response from the client terminal 20 is "failed", the agency control unit 112 records "failed" in association with the corresponding digital money expense settlement information.

[0050] (Step S211) The proxy control unit 112 calculates the total amount of expense advance payments for "payment from next payday" that are associated with "approved" in the digital money expense settlement information, from the digital money payday payment limit for the next payday, based on the remittance history recorded in the storage unit 12. The proxy control unit 112 then bills the client company for the calculated total amount of expense advance payments to be paid from next payday. Furthermore, invoices to client companies may be issued for the final total amount of expense reimbursements to be paid from the next pay period (final total amount of expense reimbursements to pass the exam) from the digital money payroll allowance for the next pay period, or they may be issued each time or in batches for multiple expense reimbursements to be paid from the next pay period. The final total amount of expenses reimbursed for passing the exam is recognized as an expense, and will be reimbursed by the client company to the payroll processing company of payroll processing device 10 upon invoice to the client company.

[0051] (Step S212) The proxy control unit 112 receives information about the next pay period for target user U (pay information) from the client terminal 20. The next pay information for target user U includes the amount of the next pay period for target user U (pay amount), the pay date (payday), etc.

[0052] (Step S213) The proxy control unit 112 performs settlement in the next pay period based on the next pay period information, digital money pay limit, and digital money expense settlement information for the target user U.

[0053] Specifically, the proxy control unit 112 calculates the amount to be paid to the target user U on payday (settled salary amount) by subtracting the total amount of expense settlements associated with "failure" in the digital money expense settlement information (total amount of reimbursed expenses) from the next salary amount. Therefore, if all digital money expense settlement information is associated with "pass," the expense settlement amount will not be deducted from the next salary amount. The target user U will be paid the calculated settled salary amount on payday. At this time, the target user U will receive the remaining amount of the digital money salary payment limit from the settled salary amount, i.e., "(Digital money salary payment limit) - (Total amount of reimbursement for expenses incurred due to failure)" The payment is made in digital money. Therefore, if user U uses up their digital money salary payment limit by paying for unacceptable expenses in digital money through the "Payment from next paycheck" option, the remaining balance of the digital money salary payment limit will be zero, and therefore user U will not receive a salary payment in digital money. Furthermore, the total amount of expenses reimbursed for unsuccessful applications is not recognized as an expense and therefore cannot be billed to the client company. Instead, it will be reimbursed to the payroll service provider of the payroll payment system 10 from the next payroll payment of the affected user U.

[0054] As a variation of the digital money expense settlement method described above, in addition to the "Payment from next paycheck" option, a "Payment for expenses" option may also be provided. In this case, in Figure 3, in addition to the "Payment from next paycheck" selection field P312, a "Payment for expenses" selection field is further provided. When the "Payment from next paycheck" selection field P312 is selected and expense settlement using digital money is performed using "Payment from next paycheck," the settlement data settled using "Payment from next paycheck" may include settlements other than expenses. Therefore, the target user U needs to individually submit expense settlement requests for the items they wish to have reimbursed from the settlement data settled using "Payment from next paycheck." On the other hand, when the "Payment for expenses" selection field is selected and expense settlement using digital money is performed using "Payment for expenses," all settlement data settled using "Payment for expenses" are expense settlements. Therefore, the proxy control unit 112 automatically submits expense settlement requests for the settlement data settled using "Payment for expenses" without the target user U having to submit individual expense settlement requests. Furthermore, when a payroll service provider or client company receives an application for "expense payment" from the target user U, the payroll service provider will refer to the target user U's user information to decide whether or not to allow the use of "expense payment," and if so, what the maximum amount of "expense payment" per salary (also called the "maximum amount of expense application") should be, and will notify the target user U of the decision. When user U selects "Pay Expenses" and makes a payment, the expense payment amount is deducted from the maximum amount of the expense application, so it does not consume user U's "Payment from Next Paycheck" usage limit (digital money payroll limit). Therefore, when user U selects "Pay Expenses" and makes a payment, the digital money payroll limit is not reduced by the expense payment, so user U can use the digital money payroll limit without worrying about expense payments.

[0055] Figure 7 shows an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 7.

[0056] Steps S301 and S302 register user U (target user U) for use of the digital payroll service. The details of steps S301 and S302 are the same as steps S101 and S102 in Figure 2 above. Next, step S303 is executed.

[0057] (Step S303) The proxy control unit 112 receives information about the next pay period for target user U (pay information) from the client terminal 20. The next pay information for target user U includes the amount of the next pay period for target user U (pay amount), the pay date (payday), etc.

[0058] (Step S304) The proxy control unit 112 makes the next salary payment based on the next salary information for the target user U. At this time, the proxy control unit 112 sets a predetermined digital money salary payment limit from the next salary amount to the amount to be paid to the target user U in digital money (digital money salary amount). The target user U is paid the next salary amount (including the digital money salary amount) on the payday. At this time, the target user U is paid the digital money salary amount of the next salary amount in digital money. Furthermore, target user U can specify their digital money salary payment limit as a fixed amount or as a percentage of their salary paid in digital money (digital money payment ratio).

[0059] (Step S305) The incentive granting unit 113 grants a predetermined incentive to the target user U when there is a salary payment in digital money. The incentive granting unit 113 records the incentive to be granted to the target user U in the storage unit 12.

[0060] As a method of providing incentives, for example, the incentive may be given in proportion to the amount of digital money salary, with larger incentives given for larger digital money salary amounts. As a method of providing incentives, for example, the incentive may be given in proportion to the fixed amount set in the digital money salary payment limit, with larger incentives given for larger fixed amounts. As a method of providing incentives, for example, the incentive may be given in proportion to the digital money payment ratio, with larger incentives given for larger digital money payment ratios. The incentive may be, for example, reward points. Reward points may be points that can be converted into monetary value, such as points that can be used to top up digital money. Reward points may also be points that cannot be converted into monetary value.

[0061] (Step S306) The incentive granting unit 113 sends a message to the target user U's user terminal 30 indicating the incentive to be granted to the target user U. The target user U's user terminal 30 records the incentive indicated in the received message in the storage unit 34. The target user U can then use the recorded incentive.

[0062] Figure 8 shows an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 8.

[0063] Steps S401 and S402 register user U (target user U) for use of the digital payroll service. The details of steps S401 and S402 are the same as steps S101 and S102 in Figure 2 above. Next, step S403 is executed.

[0064] (Step S403) The proxy control unit 112 receives information about the next pay period for target user U (pay information) from the client terminal 20. The next pay information for target user U includes the amount of the next pay period for target user U (pay amount), the pay date (payday), etc.

[0065] (Step S404) The proxy control unit 112 makes the next salary payment based on the next salary information for the target user U. At this time, the proxy control unit 112 sets a predetermined digital money salary payment limit from the next salary amount to the amount to be paid to the target user U in digital money (digital money salary amount). The target user U is paid the next salary amount (including the digital money salary amount) on the payday. At this time, the target user U is paid the digital money salary amount of the next salary amount in digital money. Furthermore, target user U can specify their digital money salary payment limit as a fixed amount or as a percentage of their salary paid in digital money (digital money payment ratio).

[0066] (Step S405) The user terminal 30 of target user U adds "Payment from digital money salary charge" as one of the options for digital money payment methods. At this time, the user terminal 30 of target user U sets the digital money salary amount to the digital money salary charge limit. The digital money salary charge limit is a charge limit only for salaries paid in digital money. Therefore, the digital money salary charge limit is set up separately from the charge limit from bank accounts for charging cash or digital money (general charge limit). The digital money salary charge limit and the general charge limit are managed separately.

[0067] As illustrated in Figure 9, the user terminal display unit 31 of the user terminal 30 of target user U displays two selection fields for the digital money payment method: "Charge and Pay" selection field P341 and "Charge and Pay with Digital Money Salary" selection field P342. This allows target user U to select either the general charge option ("Charge and Pay" selection field P341) or the digital money salary charge option ("Charge and Pay with Digital Money Salary" selection field P342) as the digital money payment method.

[0068] (Step S406) Target user U selects the "Pay from charge using digital money salary" selection field P342 displayed on user terminal 30 and executes a digital money payment using "Pay from charge using digital money salary". When the "Pay from charge using digital money salary" selection field P342 is selected, target user U's user terminal 30 subtracts the digital money payment amount from the digital money salary charge limit and updates the digital money salary charge limit. Therefore, there is no change to the general charge limit. Target user U's user terminal 30 transmits digital money salary payment information, which shows information such as the payment amount of the digital money payment executed by "Pay from charge using digital money salary", to the salary payment agency device 10. Furthermore, the user terminal 30 of the target user U may be configured to automatically prioritize the use of the digital money salary charge limit over the general charge limit.

[0069] (Step S407) The payroll payment agency control unit 112 of the payroll payment agency device 10 records the digital money payroll settlement information received from the user terminal 30 of the target user U in the storage unit 12.

[0070] (Step S408) Based on the recorded digital money salary settlement information, the incentive granting unit 113 grants a predetermined incentive to target user U if there is a digital money settlement to be made by "charge and payment using digital money salary" for target user U. The incentive granting unit 113 records the incentive to be granted to target user U in the storage unit 12.

[0071] Furthermore, digital money payments from the general charge limit do not need to be eligible for incentives. Alternatively, the incentive amount for digital money payments from the general charge limit may be smaller than that for digital money payments from the digital money salary charge limit.

[0072] As a method of providing incentives, for example, the incentive may be increased based on the amount of digital money payments made using "charges and payments from digital money salaries," with larger payments resulting in greater incentives. As a method of providing incentives, for example, the incentive may be increased based on the number of digital money payments made using "charges and payments from digital money salaries," with larger payments resulting in greater incentives. As a method of providing incentives, for example, the amount of incentive may be varied depending on the destination (e.g., the store where the product was purchased) of the digital money payment made using "charges and payments from digital money salaries." For example, a larger incentive may be given when used at a partner store than when used at other stores. The incentive may be, for example, reward points. Reward points may be points that can be converted into monetary value, such as points that can be used to top up digital money. Reward points may also be points that cannot be converted into monetary value.

[0073] (Step S409) The incentive granting unit 113 sends a message to the target user U's user terminal 30 indicating the incentive to be granted to the target user U. The target user U's user terminal 30 records the incentive indicated in the received message in the storage unit 34. The target user U can then use the recorded incentive.

[0074] In the example of the digital money payment method described above, separate digital money salary charge limits and general charge limits were established, but it is not necessary to separate the digital money salary charge limits and general charge limits. If the digital money salary charge limits and general charge limits are not separated, the incentive granting unit 113 refers to the transaction data of the digital money used for payment when determining whether to grant an incentive. By referring to the transaction data of the digital money, the incentive granting unit 113 can determine how the digital money was charged. The incentive granting unit 113 changes the incentive to be granted to the target user U depending on the charging method of the digital money used for payment. For example, as described above, if the digital money used for payment was charged from a salary paid in digital money, a predetermined incentive is granted to the target user U.

[0075] Figure 10 is a diagram showing an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 10.

[0076] (Step S501) User U requests the payroll payment agency device 10 to add a digital money charging method. Specifically, User U operates the user terminal 30 to input the digital money charging method that they wish to add. There are three charging methods that can be selected: charging with cash, charging from a bank account for digital money charging, and charging from the next paycheck. Here, User U requests the payroll payment agency device 10 to add "charging from the next paycheck".

[0077] (Step S502) The payroll payment agency unit 112 of the payroll payment agency device 10 accepts an additional application from user U's user terminal 30 for a digital money charge method. Here, the payroll payment agency unit 112 accepts an additional application from user U's user terminal 30 for "charge from next paycheck". Hereinafter, user U who is the target of the additional application for "charge from next paycheck" will also be referred to as "target user U".

[0078] (Step S503) The proxy control unit 112 receives information about the target user U (user information) from the client terminal 20. The user information about the target user U includes the target user U's past salary payment status (salary amount, etc.), digital money usage history, work history, and the target user U's salary account information.

[0079] (Step S504) The proxy control unit 112 determines whether or not to accept the addition of "Charge from next paycheck" for target user U based on user information related to target user U. For example, the proxy control unit 112 accepts the addition of "Charge from next paycheck" if target user U meets the predetermined usage conditions, based on target user U's past digital money charge usage history, salary amount, attendance record, etc., but does not accept the addition of "Charge from next paycheck" if target user U does not meet the predetermined usage conditions.

[0080] When the proxy control unit 112 accepts an additional "charge from next paycheck" request from target user U, it calculates the upper limit of the charge limit (salary charge limit) for target user U's "charge from next paycheck" based on the user information of target user U using a predetermined calculation formula. The upper limit of the salary charge limit is set so as not to exceed the maximum amount of target user U's salary that can be received in digital money.

[0081] The proxy control unit 112 sends a message to the user terminal 30 of the target user U indicating that it has accepted the request to add "charge from next payday" and the calculated upper limit of the payday charge limit for the target user U.

[0082] (Step S505) The user terminal 30 of target user U reflects the received message to enable the use of an additional charging method. In this case, the additional charging method is "Charge from next paycheck". Specifically, the user terminal 30 of target user U adds "Charge from next paycheck" as one of the options for digital money charging methods. The user terminal 30 of target user U also records the upper limit of the paycheck charge limit indicated in the received message in the storage unit 34. Target user U can check the upper limit of the paycheck charge limit recorded in the storage unit 34.

[0083] As illustrated in Figure 11, the user terminal display unit 31 of user terminal 30 of target user U displays the following options on the digital money charging method selection screen: "Charge with cash" selection field P351, "Charge from account" selection field P352, and "Charge from next paycheck" selection field P353. With the addition of this digital money charging method, "Charge from next paycheck" is added, so the "Charge from next paycheck" selection field P353 is activated. As a result, target user U can select "Charge from next paycheck" as the digital money charging method by selecting the "Charge from next paycheck" selection field P353.

[0084] (Step S506) User U selects the "Charge from next paycheck" selection field P353 displayed on the user terminal 30 and applies to charge digital money via "Charge from next paycheck". User U can charge digital money regardless of the amount of cash on hand or the balance in the bank account used for charging digital money, as long as it is within the salary charge limit. User U's user terminal 30 sends digital money salary charge information, which shows information such as the charge amount for the digital money charge to be performed via "Charge from next paycheck", to the salary payment agency device 10 and applies to charge digital money via "Charge from next paycheck".

[0085] (Step S507) The payroll payment agency device 10's agency control unit 112 receives digital money payroll charge information from the target user U's user terminal 30 and accepts the application for digital money charge via "charge from next payroll".

[0086] (Step S508) Based on the digital money salary charge information, the proxy control unit 112 temporarily advances and transfers the charge amount indicated in the digital money salary charge information from the salary payment agency's financial institution account to the bank account for digital money charging linked to the target user U's user terminal 30, and records the transfer history showing this transfer in the storage unit 12. The salary payment agency's financial institution account may be a digital money account.

[0087] (Step S509) The user terminal 30 of target user U confirms the completion of the digital money charge via "charge from next paycheck" by confirming the deposit into the bank account linked to the user for charging digital money.

[0088] (Step S510) The proxy control unit 112 calculates the total amount of advance payments made using the "charge from next paycheck" method from the digital money payroll limit for the next paycheck, based on the payment history recorded in the storage unit 12. The proxy control unit 112 then bills the client company for the calculated total amount of advance payments made using the "charge from next paycheck" method. Furthermore, invoices to client companies may be issued for the final total amount of advance payments made via "charge from next payday" from the digital money payroll allowance for the next payday (final advance payment amount), or they may be issued each time or in batches for multiple advance payments made via "charge from next payday."

[0089] (Step S511) The proxy control unit 112 receives information about the next pay period for target user U (pay information) from the client terminal 20. The next pay information for target user U includes the amount of the next pay period for target user U (pay amount), the pay date (payday), etc.

[0090] (Step S512) The proxy control unit 112 settles the payment in the next pay period based on the next pay period information, digital money pay limit, and final amount of advance remittances for the target user U.

[0091] Specifically, the proxy control unit 112 calculates the amount to be paid to the target user U on payday (settled salary amount) by subtracting the final total amount of advance payments from the digital money salary payment limit from the next salary amount. The target user U is paid this calculated settled salary amount on payday. At this time, the target user U receives the remaining amount of the digital money salary payment limit from the settled salary amount, that is, "(Digital money salary payment limit) - (Final total amount of advance payments)" The payment is made in digital money. Therefore, if user U uses up their digital money salary payment limit by charging digital money via "charge from next payday," the remaining balance of the digital money salary payment limit will be zero, and user U will not receive a salary payment in digital money.

[0092] Figure 12 is a diagram showing an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 12.

[0093] (Step S601) User U registers the digital money transfer method (digital money transfer method) with the payroll payment agency device 10. Specifically, User U operates the user terminal 30 to input the digital money transfer method. The digital money transfer method can be selected from either "transfer from charged digital money" or "transfer from the next paycheck". Here, User U registers "transfer from the next paycheck" with the payroll payment agency device 10. Furthermore, the "Transfer from next paycheck" feature may be restricted to users who meet certain usage conditions, based on their past digital money charge usage history, salary amount, attendance record, etc.

[0094] (Step S602) The payroll processing unit 112 of the payroll processing device 10 accepts registration of a digital money transfer method from user U's user terminal 30. Hereinafter, the payroll processing unit 112 accepts registration of "transfer from next paycheck" from user U's user terminal 30. The user U that is subject to registration of "transfer from next paycheck" will also be referred to as "target user U".

[0095] (Step S603) The proxy control unit 112 receives information about the target user U (user information) from the client terminal 20. The user information about the target user U includes the target user U's past salary payment status (salary amount, etc.), digital money usage history, work history, etc.

[0096] (Step S604) The proxy control unit 112 calculates the upper limit of the reservation limit (remittance reservation limit) for remittances made via "remittance from next paycheck" for target user U, based on the user information of target user U, using a predetermined calculation formula. The upper limit of the remittance reservation limit is set so as not to exceed the upper limit of the target user U's paycheck that can be received in digital money.

[0097] The proxy control unit 112 sends a message to the target user U's user terminal 30 indicating the calculated upper limit of the remittance reservation limit for the target user U. The target user U's user terminal 30 displays the upper limit of the remittance reservation limit for the target user U on the user terminal display unit 31 based on the received message. The target user U recognizes the upper limit of the remittance reservation limit displayed on the user terminal display unit 31.

[0098] (Step S605) User U sets their own remittance reservation limit to the payroll payment agency device 10 with an amount less than or equal to the upper limit of the remittance reservation limit. Specifically, User U operates the user terminal 30 to input their own remittance reservation limit.

[0099] (Step S606) The target user U registers a digital money transfer reservation (digital money transfer reservation) with the payroll payment agency device 10. Specifically, the target user U operates the user terminal 30 to input the digital money transfer reservation information. The digital money transfer reservation information includes information such as the transfer amount, recipient, and scheduled transfer date. The target user U's user terminal 30 transmits the digital money transfer reservation information to the payroll payment agency device 10.

[0100] (Step S607) The payroll payment agency device 10's agency control unit 112 accepts registration of a digital money transfer reservation based on the digital money transfer reservation information received from the target user U's user terminal 30. The agency control unit 112 records the digital money transfer reservation information received from the target user U's user terminal 30 in the storage unit 12.

[0101] (Step S608) The proxy control unit 112 receives information about the next pay period for target user U (pay information) from the client terminal 20. The next pay information for target user U includes the amount of the next pay period for target user U (pay amount), the pay date (payday), etc.

[0102] (Step S609) The proxy control unit 112 settles the payment in the next pay period based on the next pay period information, digital money pay limit, and digital money transfer reservation information for the target user U. The digital money pay limit is the amount of the target user U's salary that will be paid in digital money.

[0103] Specifically, the proxy control unit 112 calculates the amount to be paid to target user U on payday (settled salary amount) by subtracting the amount to be transferred as indicated in the digital money transfer reservation information from the next salary amount. Target user U is paid this calculated settled salary amount on payday. At this time, target user U is paid in digital money the remaining amount of the settled salary amount from the digital money salary payment limit, which is "digital money salary payment limit - amount to be transferred in the digital money transfer reservation information". Therefore, if target user U has used up the digital money salary payment limit by transferring money via digital money through "transfer from next salary", the remaining amount of the digital money salary payment limit will be zero, and target user U will not receive a salary payment in digital money.

[0104] (Step S610) The proxy control unit 112 executes the digital money transfer based on the digital money transfer reservation information. The transfer amount, recipient, and scheduled transfer date are indicated in the digital money transfer reservation information. The transfer amount in the digital money transfer reservation information (the transfer amount handled by the administrator of the payroll payment proxy device 10) is reimbursed from the payroll employer company to the administrator of the payroll payment proxy device 10.

[0105] Furthermore, if the target user U has not specified a remittance date, the proxy control unit 112 may, for example, execute the digital money transfer at a time prior to the payday when the target user U's work performance reaches a point where it meets the remittance amount requirements. Alternatively, if the target user U has not specified a remittance date, the proxy control unit 112 may, for example, execute the digital money transfer on the payday.

[0106] Figure 13 is a diagram showing an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 13.

[0107] Steps S701 and S702 register user U (target user U) for use of the digital payroll service. The details of steps S701 and S702 are the same as steps S101 and S102 in Figure 2 above. Next, step S703 is executed.

[0108] (Step S703) User U registers the amount of their salary to be received in digital money (digital money salary payment limit) with the salary payment agency device 10 (registration of payment method in digital money). Specifically, User U operates the user terminal 30 to input the digital money salary payment limit. User U can specify the digital money salary payment limit as a fixed amount or as a percentage of the payment made in digital money (digital money payment ratio). For example, in the case of a monthly salary, where the salary is paid every month, User U can specify the digital money salary payment limit as either a fixed amount each month or a fixed percentage each month.

[0109] (Step S704) The payroll processing unit 112 of the payroll processing device 10 accepts registration of a digital money payment method from the user terminal 30 of the target user U. Specifically, the payroll processing unit 112 accepts the designation of a digital money payroll limit (fixed amount or digital money payment ratio) from the user terminal 30 of the target user U.

[0110] (Step S705) The proxy control unit 112 sets the digital money salary payment limit for the target user U based on the received designation of the digital money salary payment limit. However, if the designation of the digital money salary payment limit is based on the "digital money payment ratio", the proxy control unit 112 compares the statutory upper limit for salary payments in digital money with the amount based on the digital money payment ratio, and if the amount based on the digital money payment ratio is greater than the statutory upper limit, it sets the digital money salary payment limit to the statutory upper limit.

[0111] (Step S706) The proxy control unit 112 receives information about the next pay period for target user U (pay information) from the client terminal 20. The next pay information for target user U includes the amount of the next pay period for target user U (pay amount), the pay date (payday), etc.

[0112] (Step S707) The proxy control unit 112 makes the next salary payment based on the next salary information for target user U. At this time, the proxy control unit 112 sets the digital money salary payment limit of the next salary amount to the amount to be paid to target user U in digital money (digital money salary amount). Target user U is paid the next salary amount (including the digital money salary amount) on the payday. At this time, target user U is paid the digital money salary amount of the next salary amount in digital money.

[0113] Figure 14 is a diagram showing an example of the operation flow of the payroll system 1 of this embodiment. An example of the operation flow of the payroll system 1 of this embodiment will be explained with reference to Figure 14.

[0114] (Step S801) Client CL is the payer who pays User U a salary. Client CL registers the method of payment of the salary that User U will receive (salary payment method) with the salary payment agency device 10. Specifically, Client CL operates the client terminal 20 to input the salary payment method. Here, Client CL registers with the salary payment agency device 10 that User U will use a digital salary payment service to receive their salary in digital money.

[0115] (Step S802) The payroll payment agency control unit 112 of the payroll payment agency device 10 accepts registration of payroll payment methods from the client terminal 20 of the client CL. Hereinafter, the payroll payment agency control unit 112 accepts registration of the use of the digital payroll payment service from the client terminal 20 of the client CL. The client CL that accepts registration of the use of the digital payroll payment service will also be referred to as the "target client CL".

[0116] (Step S803) The target client CL registers the amount of salary that user U will receive in digital money (digital money salary payment limit) with the salary payment agency device 10 (registration of payment method in digital money). Specifically, the target client CL operates the client terminal 20 to input the digital money salary payment limit. The target client CL can specify the digital money salary payment limit as a fixed amount or as a percentage of the payment made in digital money (digital money payment ratio). For example, in the case of a monthly salary, the target client CL can specify the digital money salary payment limit as either a fixed amount each month or a fixed percentage each month.

[0117] (Step S804) The payroll payment agency unit 112 of the payroll payment agency device 10 accepts registration of a payment method using digital money from the client terminal 20 of the target client CL. Specifically, the payroll payment agency unit 112 accepts the designation of a digital money payroll limit (fixed amount or digital money payment ratio) from the client terminal 20 of the target client CL.

[0118] (Step S805) The proxy control unit 112 sets the digital money salary payment limit for user U based on the received specification of the digital money salary payment limit. However, if the specification of the digital money salary payment limit is based on the "digital money payment ratio", the proxy control unit 112 compares the statutory upper limit for salary payments in digital money with the amount based on the digital money payment ratio, and if the amount based on the digital money payment ratio is greater than the statutory upper limit, it sets the digital money salary payment limit to the statutory upper limit.

[0119] (Step S806) The proxy control unit 112 receives information about the next pay period for user U (pay information) from the client terminal 20 of the target client CL. The next pay information for user U includes the amount of user U's next pay period (pay amount), the pay date (payday), etc.

[0120] (Step S807) The proxy control unit 112 makes the next salary payment based on the next salary information for user U. At this time, the proxy control unit 112 sets the digital money salary payment limit of the next salary amount to the amount to be paid to user U in digital money (digital money salary amount). User U is paid the next salary amount (including the digital money salary amount) on the payday. At this time, user U is paid the digital money salary amount of the next salary amount in digital money.

[0121] (Step S808) The incentive granting unit 113 grants a predetermined incentive to the target client CL when there is payment of salary in digital money. The incentive granting unit 113 records the incentive to be granted to the target client CL in the storage unit 12.

[0122] As a method of providing incentives, for example, the incentive may be increased based on the amount of digital money salary, with larger digital money salary amounts receiving greater incentives. As a method of providing incentives, for example, the incentive may be increased based on the fixed amount set in the digital money salary payment limit, with larger fixed amounts receiving greater incentives. As a method of providing incentives, for example, the incentive may be increased based on the digital money payment ratio, with larger digital money payment ratios receiving greater incentives. As a method of providing incentives, for example, if client CL allows user U to pay salary in digital money before payday, the incentive may be increased for paying salary in digital money earlier than payday.

[0123] The incentive may be, for example, reward points. Reward points may be points that can be converted into monetary value, such as points that can be used to top up digital money. Reward points may also be points that cannot be converted into monetary value.

[0124] (Step S809) The incentive granting unit 113 sends a message to the target client CL's client terminal 20 indicating the incentive to be granted to the target client CL. The target client CL's client terminal 20 records the incentive indicated in the received message in the storage unit 24. The target client CL can then use the recorded incentive.

[0125] As described above, this embodiment improves the convenience for users U who use the digital payroll service. Furthermore, it offers advantages to clients CL who adopt the digital payroll service, such as providing incentives. This contributes to the widespread adoption of the digital payroll service.

[0126] Although embodiments of the present invention have been described in detail above with reference to the drawings, the specific configuration is not limited to these embodiments, and design modifications and the like are also included within the scope of the gist of the present invention.

[0127] For example, a computer program to implement the functions of each of the above-mentioned devices may be recorded on a computer-readable recording medium, and the program recorded on this recording medium may be loaded into a computer system and executed. The term "computer system" here may include hardware such as an operating system and peripheral devices. Furthermore, "computer system" shall also include the homepage provisioning environment (or display environment) if a WWW system is being used. Furthermore, "computer-readable recording media" refers to writable non-volatile memory such as flexible disks, magneto-optical disks, ROMs, and flash memory, portable media such as DVDs (Digital Versatile Discs), and storage devices such as hard disks built into computer systems.

[0128] Furthermore, "computer-readable recording media" also includes volatile memory (such as DRAM (Dynamic Random Access Memory)) within computer systems that act as servers or clients when programs are transmitted via networks such as the Internet or communication lines such as telephone lines, which retain programs for a certain period of time. Furthermore, the above program may be transmitted from a computer system that stores the program in a memory device or the like to another computer system via a transmission medium or by transmission waves within the transmission medium. Here, the "transmission medium" used to transmit the program refers to a medium that has the function of transmitting information, such as a network (communication network) like the Internet or a communication line (communication line) like a telephone line. Furthermore, the above program may be intended to implement some of the functions described above. It may also be a so-called differential file (differential program) that can implement the aforementioned functions in combination with programs already recorded in the computer system. [Explanation of Symbols]

[0129] 1...Payroll system, 10...Payroll payment agency device, 20...Client terminal, 30...User terminal, 11,23,33...Calculation unit, 12,24,34...Storage unit, 111...Communication unit, 112...Agency control unit, 113...Incentive granting unit, 21...Client terminal display unit, 22...Client terminal operation unit, 31...User terminal display unit, 32...User terminal operation unit, N1,N2...Network

Claims

1. A communications unit receives digital money expense payment information from the terminal device of a user who receives at least a portion of their salary in digital money, indicating that the amount of expense payments made in digital money will be paid from the next paycheck. A control unit that settles the expense payment amount based on the user's next paycheck, based on the digital money expense payment information and the user's next paycheck information, A payroll system that includes the following features.

2. As one option for expense settlement using digital money, a digital money salary payment limit has been established, separate from the user's digital money charge limit, to be paid from the next paycheck. The payroll system according to claim 1.

3. The aforementioned proxy control unit controls the settlement of the expense settlement amount based on the results of the expense settlement inquiry shown in the digital money expense settlement information. The payroll system according to claim 1.

4. On the computer, A communication step in which a user's terminal device receives digital money expense payment information indicating that the amount of expense payments made in digital money will be paid from the next paycheck, and A proxy control step that settles the expense payment amount with the user's next paycheck based on the digital money expense payment information and the user's next paycheck information, A program to execute.

Images