Information processing systems, information processing methods, and programs

Abstract

We provide information processing systems and the like that can make the costs associated with bank transfers more appropriate. [Solution] According to one aspect of the present invention, an information processing system is provided comprising one or more processors, wherein in an acquisition step, the processor acquires transfer destination information indicating one or more transfer destinations registered by a user; in a selection step, the processor selects from two or more predetermined transfer sources to transfer to the transfer destination indicated by the acquired transfer destination information, such that the cost required for the transfer satisfies predetermined conditions; and in an output step, the processor outputs combination information including the selected combination of transfer source and transfer destination.

Description

Technical Field

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

Background Art

[0002] Patent Document 1 discloses a technique of reading unpaid remaining salary information from a worker information database and giving an instruction to transfer the remaining salary to the salary payment account of the worker when the remaining salary exists on the salary payment date.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] When a transfer is executed from an account held by a company (salary transfer source account), the cost such as the company's transfer fee may become enormous depending on the transfer destination account of the employee.

[0005] In view of the above circumstances, the present invention aims to provide an information processing system or the like that can make the cost required for transfer more appropriate.

Means for Solving the Problems

[0006] According to one aspect of the present invention, an information processing system is provided comprising one or more processors, wherein in an acquisition step, the processor acquires transfer destination information indicating one or more transfer destinations registered by a user; in a selection step, the processor selects from two or more predetermined transfer sources to transfer to the transfer destination indicated by the acquired transfer destination information, such that the cost required for the transfer satisfies predetermined conditions; and in an output step, the processor outputs combination information including the selected combination of transfer source and transfer destination.

[0007] This configuration allows for a more appropriate reduction in the costs associated with bank transfers. [Brief explanation of the drawing]

[0008] [Figure 1] This figure shows an example of the overall configuration of the Human Resources and Payroll System 1. [Figure 2] This figure shows an example of the hardware configuration of the HR / payroll server 10. [Figure 3] This figure shows an example of the hardware configuration of the business terminal 20. [Figure 4] This is an activity diagram illustrating an example of a payroll transfer process. [Figure 5] This figure shows an example of a payroll database (DB4). [Figure 6] This figure shows an example of a screen used for payment processing. [Figure 7] This diagram shows an example of a screen displaying the list of transfer sources. [Figure 8] This diagram shows an example of the details screen for the source of the transfer. [Figure 9] This is an activity diagram illustrating an example of the account registration process. [Figure 10] This figure shows an example of the displayed account registration screen. [Figure 11] This figure shows an example of a displayed dropdown list. [Figure 12] This figure shows an example of the calculated total fees. [Figure 13] This figure shows an example of the transfer period for various financial institutions. [Figure 14] This figure shows an example of the calculated points. [Figure 15] This figure shows an example of a transfer source table. [Figure 16] This is a diagram showing an example of a rewards table. [Modes for carrying out the invention]

[0009] Embodiments of the present invention will be described below with reference to the drawings. The various features shown in the embodiments below can be combined with each other.

[0010] Incidentally, the program for implementing the software appearing in one embodiment may be provided as a non-transitory computer-readable medium, or it may be provided as a downloadable medium from an external server, or it may be provided so that the program is launched on an external computer and its functions are realized on a client terminal (so-called cloud computing).

[0011] Furthermore, in various information processing according to one embodiment, an input and an output corresponding to the input can be realized. Here, as long as an output is obtained as a result of the input, the form of the information referenced in such information processing (hereinafter referred to as "reference information") is not limited. The reference information may be, for example, rule-based information such as a database, a lookup table, or a predetermined function (including a decision formula such as a regression equation constructed by a statistical method), or a pre-trained model that has learned the correlation between input and output in advance, or a large-scale language model that can output a desired result by inputting a prompt.

[0012] Also, in one embodiment, the "unit" may include, for example, hardware resources implemented by a circuit in a broad sense and information processing of software that can be specifically realized by these hardware resources. Also, in one embodiment, various types of information are handled, and these information are represented, for example, by physical values of signal values representing voltage and current, the high and low of signal values as a binary bit aggregate composed of 0 or 1, or quantum superposition (so-called quantum bits), and communication and calculation can be executed on a circuit in a broad sense.

[0013] Furthermore, a circuit in a broad sense is a circuit realized by appropriately combining at least a circuit (Circuit), circuitry (Circuitry), a processor (Processor), a memory (Memory), etc. Also, the processor may be a general-purpose processor or a dedicated circuit. That is, it includes an application specific integrated circuit (ASIC), a programmable logic device (for example, a simple programmable logic device (SPLD), a complex programmable logic device (CPLD), and a field programmable gate array (FPGA)), etc.

[0014] <Embodiment> 1. System Configuration Hereinafter, the system configuration according to the embodiment will be described. FIG. 1 is a diagram showing an example of the overall configuration of the personnel salary system 1. In FIG. 1, each device included in the personnel salary system 1 and an overview of the users who use these devices are shown. Regarding each overview, it will be explained as needed while referring to other figures. The personnel salary system 1 is a system for supporting operations related to personnel and salary. Hereinafter, in particular, the case of supporting operations related to salary payment will be described. The personnel salary system 1 includes a communication line 2, a personnel salary server 10, a business terminal 20, and a plurality of employee terminals 30.

[0015] The communication line 2 is not particularly limited. For example, it is constituted by the Internet network. Further, the communication line 2 may include a local area network, a mobile communication network, a VPN (Virtual Private Network), etc. The communication line 2 mediates the exchange of data between devices connected to its own line. In the example of FIG. 1, the personnel salary server 10 is connected to the communication line 2 by wire, and the business terminal 20 and the plurality of employee terminals 30 are connected to the communication line 2 wirelessly. Note that the connection of each device to the communication line 2 may be either wired or wireless.

[0016] Both the business terminal 20 and the employee terminal 30 are user terminals used by users who use the personnel salary system 1, and are, for example, notebook computers, etc. The business terminal 20 is used by the person in charge of performing the salary payment operation, and the employee terminal 30 is used by the employee who receives the salary. The business terminal 20 and the employee terminal 30 have display means and input means, and function as a user's UI (User Interface).

[0017] The personnel salary server 10 executes information processing for performing operations related to personnel and salary. The personnel salary server 10 performs, for example, information processing for managing the attendance of employees and information processing for calculating the salary of employees and transferring it to the employees' accounts. Further, as more general information processing, the personnel salary server 10 executes display control processing for controlling the display of the user terminal and authentication processing for authenticating the user who uses the user terminal.

[0018] The HR / payroll server 10 performs display processing, such as generating and sending HTML (Hyper Text Markup Language) files, to generate a web page showing the system screen, and displays the generated system screen on the user terminal using the browser's functions. Alternatively, the user terminal may install an application program to use the HR / payroll system 1, and the HR / payroll server 10 may generate and display a system screen that can be displayed by that application. The HR / payroll server 10 controls the display on the user terminal by performing these display processing operations.

[0019] The HR / payroll server 10 performs authentication processing to authenticate users of the HR / payroll system 1, and display processing to display images on the business terminal 20 and employee terminal 30. The HR / payroll server 10 stores authentication information (user ID and password, etc.) for user authentication and authenticates users who enter the authentication information as users of the HR / payroll system 1. By authenticating users, the HR / payroll server 10 determines which data the user can access and adds identification information to the data entered by the user to make it identifiable.

[0020] The HR and payroll server 10 stores attendance DB3 (database) and payroll DB4. Attendance DB3 stores information about employees' attendance, such as the date the employee worked and the daily working hours. Payroll DB4 stores information about employees' salaries, such as the amount of the employee's salary, the bank account to which the salary is transferred, the bank account from which the transfer is made, and the payment date.

[0021] This section explains the payroll process. Employees register their bank accounts for salary deposits in advance using employee terminals 30. The registered deposit information is stored in payroll DB4. When the payroll closing date arrives, the person in charge of payments uses terminal 20 to have the HR / payroll server 10 perform the payroll calculation process. The person in charge of payments then specifies the source account from which to transfer the salary to each employee's designated deposit account.

[0022] The person in charge of payments can specify all the source accounts for transfers, or they can specify a method for matching source accounts with destination accounts in the HR / payroll server 10. This method will be referred to as "account matching" below. The specific method of account matching will be described later. Once the account matching process has selected the source account to transfer salaries to each employee's destination account, the person in charge of payments instructs the HR / payroll server 10 to make the transfer on the payment date.

[0023] In accordance with the above instructions, the HR / payroll server 10 executes a transfer instruction on the payment date, using the bank account held by the business operator as the transfer source, and sending the transfer instructions to the recipients matched to each transfer source. Each financial institution then transfers the salary to the designated recipient according to the executed transfer instruction. In the HR / payroll system 1, salary transfers are carried out in this manner.

[0024] 2. Hardware Configuration The hardware configuration according to this embodiment will be described below. Figure 2 shows an example of the hardware configuration of the personnel and payroll server 10. The personnel and payroll server 10 comprises a control unit 101, a storage unit 102, a communication unit 103, and a bus 104. The bus 104 electrically connects each part of the personnel and payroll server 10.

[0025] (Control Unit 101) The control unit 101 has at least one processor. The at least one processor may consist of, for example, a central processing unit (CPU), an MPU (Micro Processing Unit), a GPU (Graphics Processing Unit), one or more integrated circuits, one or more discrete circuits, or a combination thereof.

[0026] The control unit 101 is a computer that realizes various functions related to the personnel and payroll system 1 by reading predetermined programs stored in the memory unit 102. In other words, information processing by software stored in the memory unit 102 is concretely realized by the control unit 101, which is an example of hardware, and can be executed as each functional unit included in the control unit 101. Note that the control unit 101 is not limited to being a single unit, and may be implemented with multiple control units 101 for each function, or a combination thereof.

[0027] (Storage unit 102) The memory unit 102 stores various types of information as defined above. This can be done, for example, as a storage device such as a solid-state drive (SSD) or hard disk drive (HDD) that stores various programs related to the personnel and payroll system 1 executed by the control unit 101, or as memory such as random access memory (RAM) that stores temporarily necessary information (arguments, arrays, etc.) related to program calculations. The memory unit 102 stores various programs and variables related to the personnel and payroll system 1 executed by the control unit 101.

[0028] (Communications Department 103) The communication unit 103 is comprised of a communication module. The communication module may be a wireless communication module compliant with standards such as IEEE 802.11a / b / g / n / ac / ax, LTE, 5G, 6G, or a wired communication module compliant with standards such as IEEE 802.3. The communication unit 103 is configured to transmit various electrical signals from the personnel and payroll server 10 to external components. The communication unit 103 is also configured to receive various electrical signals from external components to the personnel and payroll server 10. More preferably, the communication unit 103 has a network communication function, thereby enabling the communication of various information between the personnel and payroll server 10 and external devices via the communication line 2.

[0029] Figure 3 shows an example of the hardware configuration of the business terminal 20. The business terminal 20 comprises a control unit 201, a storage unit 202, a communication unit 203, an input unit 204, an output unit 205, and a bus 206. The bus 206 electrically connects each part of the business terminal 20. The control unit 201, storage unit 202, and communication unit 203 are similar hardware to the control unit 101, storage unit 102, and communication unit 103 shown in Figure 2, although their specifications and models may differ.

[0030] (Input section 204) The input unit 204 has input receiving means such as keys, buttons, touchscreens, and mice, and accepts input from the user. The input unit 204 may also have sound receiving means such as a microphone, and may have a function to collect the user's voice and accept the input of the collected voice.

[0031] (Output section 205) The output unit 205 has display means such as a display and sound emission means such as a speaker, and outputs visual information and auditory information. For example, the output unit 205 displays visual information such as screens, images, icons, and text on the display surface of the display unit in a manner that is visible to the user. The output unit 205 also outputs audible sound such as speech or synthesized sound from the speaker.

[0032] The employee terminal 30 has the same hardware configuration as the business terminal 20. For the employee terminal 30, only the control unit 301 will be described using a different reference numeral than the control unit 201 of the business terminal 20.

[0033] 3. Information Processing The following describes the information processing according to the embodiment. In the following description, the personnel and payroll server 10, the business terminal 20, and the employee terminal 30 are described as the main entities of each information processing, but these information processing are executed by at least one processor provided in the personnel and payroll system 1, that is, the processors in the control units 101, 201, and 301 of each device. The personnel and payroll system 1 performs payroll transfer processing to transfer salaries to the employee's bank account.

[0034] Figure 4 is an activity diagram showing an example of payroll transfer processing. Payroll transfer processing is performed, for example, when a person in charge of payroll operations performs payroll calculation and payment after the payroll closing date. First, the business terminal 20 displays a screen for payroll calculation according to the operation of the person in charge of payroll operations (Activity A11). Next, the business terminal 20 receives an instruction operation for payroll calculation from the person in charge of payroll operations (Activity A12). An instruction operation for payroll calculation is, for example, an operation to specify a closing date group that has a common closing date.

[0035] The business terminal 20 notifies the HR / payroll server 10 of the specified closing date group. The HR / payroll server 10 reads the attendance information of the employees in the notified closing date group from the attendance DB3 (Activity A13). Subsequently, the HR / payroll server 10 calculates the salary of each employee based on the read attendance information (Activity A14) and displays the salary calculation results on the business terminal 20 (Activity A15). The person in charge of payment operations checks the displayed calculation results, and if there are employees that need correction, makes any setting changes for those employees and then performs the salary calculation instruction operation again (A12).

[0036] The person in charge of payment operations executes processes A12 to A15 to determine the amount of salary to be paid, and then performs the operation to confirm the salary. When the business terminal 20 receives the salary confirmation operation (activity A16), it notifies the HR / payroll server 10 that the salary has been confirmed. Upon receiving this notification, the HR / payroll server 10 stores the salary information indicating the confirmed salary in the salary DB4 (activity A17).

[0037] Figure 5 shows an example of the payroll DB4. The payroll DB4 stores employee information, payroll information, and transfer / payment information. Employee information includes employee IDs, etc. Payroll information includes basic salary, etc., as well as the salary calculated in A14 for each employee. Transfer / payment information stores the transfer destination account registered by the employee and the payment date specified for each closing date group. After confirming the payroll, the person in charge of payment operations then performs an operation to display the payment operation screen. The business terminal 20 displays the payment operation screen in accordance with this operation (Activity A21).

[0038] Figure 6 shows an example of a payment processing screen. The payment processing screen G1 in Figure 6 displays the following fields as images for selecting confirmed payment data: a selection field C11 for the payment target, a payment date input field C12, and a closing date group display field C13. The selection field C11 is for selecting whether the payment target is salary or bonus. In the example in Figure 6, salary is selected. The input field C12 is for entering the payment date. The display field C13 is for displaying information about the closing date group, showing the attendance closing date, closing date group name, number of recipients, transfer amount, and memo.

[0039] Furthermore, screen G1 of the payment operations screen is an image for setting the output of FB data. FB data (Firm Banking data) is digital data that summarizes the information necessary for a transfer, and is created according to the format specified by the Japanese Bankers Association. FB data includes the transfer type, account name, transfer amount, and designated transfer date. By using FB data to instruct financial institutions to make a transfer, multiple transfers to multiple financial institutions can be made at once.

[0040] Furthermore, the payment operations screen G1 displays input fields C14 for the transfer date, C15 for selecting the transfer method, and C16 for specifying the payment account, for setting the output of FB data. Input field C14 is for entering the transfer date. Selection field C15 is for selecting the transfer method. Transfer methods include salary transfer, bonus transfer, and general transfer, and in the example in Figure 6, salary transfer is selected.

[0041] Column C16 is for specifying the payment account. The business operator is assumed to have accounts at two or more financial institutions for the purpose of paying salaries. In the example in Figure 6, the business operator has accounts at three financial institutions: "Financial Institution 1," "Financial Institution 2," and "Financial Institution 3," and radio buttons are displayed for designating each as a payment account. If these accounts are designated as payment accounts, all payments to employees in the selected closing date group will be made from the accounts at the designated financial institutions.

[0042] In the designated field C16, there is another option to specify "an account at the same financial institution as the payment recipient for the employee," which represents the method of specifying an account using the "account matching" method described above. If account matching is selected, if the employee has registered an account at the first financial institution, the business operator's account at the first financial institution will be selected as the payment account; if the employee has registered an account at the second financial institution, the business operator's account at the second financial institution will be selected as the payment account; and if the employee has registered an account at the third financial institution, the business operator's account at the third financial institution will be selected as the payment account.

[0043] In account matching, if an employee does not have an account at the same financial institution as the business's payment account, the account at the financial institution with the highest priority will be selected as the payment account. The priority order of financial institutions is predetermined by the business. In the example in Figure 6, it is assumed that the first financial institution is the first priority, the second financial institution is the second priority, and the third financial institution is the third priority.

[0044] Furthermore, some employers allow employees to register two or more accounts for salary deposits, and distribute and deposit their salaries into those accounts. In such cases, for any of the two or more salary deposit accounts, if the account is at the same financial institution as the employee's payment account, that account will be selected as the payment account. For accounts at other financial institutions, the account at the financial institution with the highest priority (for example, the first financial institution) will be selected as the payment account.

[0045] The business terminal 20 accepts the operation of selecting one of the radio buttons displayed in the designated field C16 as an operation to specify the source of the transfer (Activity A22), and sends the specified data indicating the specified source of the transfer and the selected closing date group to the personnel and payroll server 10. The example in Figure 4 explains the case where the source of the transfer is specified by account matching. When the personnel and payroll server 10 receives the specified data, it reads the transfer destination information indicating the registered account of the employee in the closing date group indicated by the received specified data from the payroll DB4 (Activity A23).

[0046] Next, the HR / payroll server 10 calculates the cost of each source of payment when transferring funds to the recipient account indicated by the retrieved recipient information (Activity A24). In the example in Figure 4, the HR / payroll server 10 calculates the monetary cost of each source of payment. Then, from among the two or more source accounts owned by the business, the HR / payroll server 10 selects the account whose calculated cost satisfies the predetermined conditions (hereinafter referred to as "account matching conditions") set out for account matching as the payment account (Activity A25).

[0047] The financial costs involved in a bank transfer include, for example, the transfer fee paid to the financial institution. Transfer fees are usually charged if the recipient's account is at a different financial institution, but are often free if the recipient's account is at the same financial institution. Even if it's not free when the recipient's account is at the same financial institution, the transfer fee is usually set lower than when the recipient's account is at a different financial institution. Therefore, the calculated financial cost is minimized when the source account is at the same financial institution as the recipient's account.

[0048] Therefore, as described in the account matching explanation above, the HR / payroll server 10 selects the source account at the same financial institution as the payment account that satisfies the account matching conditions for employees who have an account at the same financial institution as the source of the transfer. Furthermore, for employees who do not have an account at the same financial institution as the source of the transfer, the HR / payroll server 10 selects the source account at the first-priority financial institution as the payment account that satisfies the account matching conditions.

[0049] Furthermore, if two or more recipient accounts are registered, the HR / payroll server 10 will select the recipient account at the same financial institution as the source account as the payment account that satisfies the account matching conditions, and for recipient accounts at different financial institutions than the source account, it will select the source account at the first-priority financial institution as the payment account that satisfies the account matching conditions.

[0050] As described above, the HR and payroll server 10 selects the source account that minimizes the transfer cost, i.e., the source account at the same financial institution as the recipient account, as the payment account that satisfies the account matching conditions, for recipient accounts at the same financial institution as the source account. On the other hand, if the recipient account is at a different financial institution, the transfer fee may vary depending on the financial institution. Therefore, the transfer fee when the first financial institution is the source is not necessarily cheaper than the transfer fee when the second or third financial institution is the source.

[0051] However, there are cases where there is a reason to prioritize a financial institution even if the cost is slightly higher, such as when the first financial institution is the business's main bank. Also, the difference in transfer fees between financial institutions when the recipient account is at a different financial institution is small compared to the difference in transfer fees when the recipient's financial institution is the same as the sender's. Therefore, the HR and payroll server 10 determines that a recipient account at a financial institution different from any of the senders satisfies the account matching conditions, even if the transfer cost is not the lowest, and selects the first-priority financial institution's account as the payment account.

[0052] When a payment account is selected, the HR / payroll server 10 generates a list of remittance sources screen (Activity A31) that shows the selected payment account as the source of the remittance, and displays the generated list of remittance sources screen on the business terminal 20 (Activity A32).

[0053] Figure 7 shows an example of the remittance source list screen. In the remittance source list screen G2 shown in Figure 7, closing date group information C21 and remittance source list C22 are displayed. Remittance source list C22 includes departmental list C23, job title list C24, and employment type list C25. Each list can be toggled on and off, and in the example in Figure 7, the departmental list C23 is displayed. In the departmental list C23, the number of people and subtotal of fees for each financial institution are displayed for each department, such as "Sales Department," "Development Department," "Production Department," and "Finance Department."

[0054] The transfer source list screen G2 displays a detail display button B21 and a transfer source confirmation button B22. When the detail display button B21 is pressed, the personnel and payroll server 10 displays a detail screen showing the combination of transfer destination and transfer source, as well as the fees for each employee.

[0055] Figure 8 shows an example of the details screen for the remitter. In the remitter list screen G2 shown in Figure 8, the remitter details list C26 is displayed instead of the remitter list C22. The remitter details list C26 includes departmental details C27, and each departmental details C27 displays a list of the remitter account, recipient account, and transfer fee for each employee belonging to that department. By operating the remitter summary button B23 shown in Figure 8, the display returns to the remitter list C22 shown in Figure 7.

[0056] The person in charge of payment operations can verify that the correct source account (payment account) is specified for all employees by looking at the displayed closing date group information C21, the list of source accounts C22, and, if necessary, the list of source account details C26. The HR and payroll server 10 may, for example, make the source account for each employee editable on the source account list screen and the source account details screen. In that case, the HR and payroll server 10 will recalculate the fee for the edited source account and reflect it in the fee value on the source account list screen and the source account details screen.

[0057] When the transfer source confirmation button B22 is pressed, the business terminal 20 accepts the operation as a confirmation operation for the transfer source account (Activity A33) and notifies the personnel and payroll server 10 of this. Upon receiving the notification, the personnel and payroll server 10 stores the confirmed transfer source account as transfer and payment information in the payroll DB4 shown in Figure 5 (Activity A34).

[0058] Once the source account for the transfer is confirmed, the business terminal 20 displays the payment operations screen G1 shown in Figure 6 again as the payment operations screen (Activity A41). The person in charge of payments operates the FB data output button B11 to execute the transfer. The business terminal 20 accepts this operation as a transfer execution operation (Activity A42) and requests the HR / payroll server 10 to execute the transfer. When the HR / payroll server 10 receives the transfer request, it reads the salary, destination account, source account, and payment date for each employee in the closing date group from the payroll DB4 as transfer information (Activity A43).

[0059] The HR / payroll server 10 generates FB data based on the retrieved transfer information (Activity A44). The HR / payroll server 10 generates FB data for each financial institution that is the source of the transfer, indicating that the salary indicated by the transfer information will be transferred from the source account indicated by the transfer information to the recipient account on the payment date indicated by the transfer information. The HR / payroll server 10 sends the generated FB data to the financial institution system that processes the transfers of the financial institutions that are the source of the transfers (Activity A45). The financial institution system executes the transfer process based on the received FB data. In this way, on the payment date, the salary is transferred to the payroll account of each employee in the closing date group.

[0060] Next, we will explain the account registration process that employees go through when registering an account to be used for receiving bank transfers. Figure 9 is an activity diagram showing an example of the account registration process. First, the employee terminal 30 receives an operation from the employee to display the account registration screen for salary transfers (Activity A51) and requests the HR / payroll server 10 to display the account registration screen. Upon receiving this request, the HR / payroll server 10 first reads the transfer destination account for each employee as transfer destination information from the payroll DB4 shown in Figure 5 (Activity A52).

[0061] Next, the HR and payroll server 10 generates guidance information using the retrieved transfer destination information (Activity A53). Guidance information is information that guides users to register with the financial institution used as the source of the transfer. The HR and payroll server 10 generates an account registration screen containing the generated guidance information (Activity A54), and displays the generated account registration screen on the employee terminal 30 (Activity A55).

[0062] Figure 10 shows an example of the displayed account registration screen. The account registration screen G3 in Figure 10 displays input fields for financial institution C31, branch C32, deposit account type C33, account number C34, account holder name C35, salary deposit account registration status C36, and a registration button B31. Employees enter the information of the account they want to receive their salary into each input field, referring to the registration status C36 as they do so.

[0063] The registration status C36 is a bar graph showing the number of accounts registered as recipient accounts for each financial institution. In the example in Figure 10, "Financial Institution 1" has the most registered accounts, followed by "Financial Institution 2," and then "Financial Institution 3," with several other financial institutions also registered, albeit in smaller numbers. When employees see the registration status C36, if they have an account with one of the Financial Institutions 1, 2, or 3, they feel a sense of security knowing that other employees also use these institutions, making them more likely to register accounts with these financial institutions compared to others.

[0064] When the input field C31 for financial institutions is selected (Activity A61), the HR / payroll server 10 displays a dropdown list of financial institutions to be registered (Activity A62). Figure 11 shows an example of a displayed dropdown list. In the account registration screen G3 shown in Figure 11, a dropdown list C311 is displayed below the financial institution input field C31. The dropdown list C311 displays "First Financial Institution," "Second Financial Institution," "Third Financial Institution," and "Other Financial Institutions" from top to bottom. By prioritizing the display of financial institutions owned by the business operator in this way, it is made easier for those financial institutions owned by the business operator to be registered.

[0065] Employees enter the names of their financial institutions and other information into the respective input fields, and the employee terminal 30 accepts this account information (Activity A63). When an employee operates the registration button B31, the employee terminal 30 accepts this operation as a registration operation (Activity A64) and sends the entered account information to the personnel and payroll server 10. The personnel and payroll server 10 stores the payment account indicated by the transmitted account information as transfer and payment information in the payroll DB4 shown in Figure 5 (Activity A65).

[0066] As described above, the HR and payroll server 10 functions as an example of an acquisition unit that acquires transfer destination information indicating one or more transfer destinations registered by a user. Here, a user is, for example, an employee who receives a salary transferred from the employer, but it may be a person other than an employee who receives a salary. The HR and payroll server 10 acquires transfer destination information, for example, at A23 shown in Figure 4. Next, the HR and payroll server 10 functions as an example of a selection unit that selects a transfer source from two or more predetermined transfer sources to transfer to the transfer destination indicated by the acquired transfer destination information. The first financial institution, second financial institution, and third financial institution mentioned above are financial institutions in which the employee has an account, and are examples of two or more transfer sources.

[0067] The HR / payroll server 10 (an example of the selection section) specifically selects the source of the transfer so that the cost of the transfer meets predetermined conditions. The account matching conditions described above are an example of predetermined conditions. The cost of the transfer includes, for example, monetary costs. Monetary costs include, for example, bank transfer fees. The predetermined conditions are met, for example, when the monetary costs are below a predetermined level.

[0068] As mentioned above, the financial cost is usually minimized when the source and recipient financial institutions are the same. Therefore, for employees who have an account at the same financial institution as the source, the HR / payroll server 10 selects that financial institution as the source of the transfer, as the source of the transfer that meets the specified conditions for the cost of the transfer. In this case, "financial cost below a specified level" means the case where the financial cost is minimized.

[0069] On the other hand, for employees who do not have an account at the same financial institution as the transferor, a so-called "transfer fee to another bank" will be incurred regardless of which financial institution is used as the transferor. In this case, for employees who do not have an account at the same financial institution as the transferor, the HR and payroll server 10 may select, for example, the transferor account of the financial institution with the lowest transfer fee from two or more transferors. In this case, "monetary costs below a predetermined level" means the case where the monetary costs are minimized, similar to the case of employees who have an account at the same financial institution as the transferor.

[0070] In contrast, in the above example, the HR and payroll server 10 selects the first-priority financial institution as the source of remittance for employees who do not have an account at the same financial institution as the remitter. In this case, the transfer fees of the first financial institution to other banks may not be cheaper than those of the second and third financial institutions, but even if the transfer fees of the first financial institution to other banks are higher than those of the second and third financial institutions, the difference is not as significant as when comparing it to transfer fees within the same financial institution. Furthermore, for employees who have an account at the same financial institution as the remitter, the monetary cost is minimized, so the overall monetary cost for employees is kept below a predetermined level. This approach allows for lower remittance costs compared to selecting a remitter without considering monetary costs.

[0071] The HR / payroll server 10 functions as an example of an output unit that outputs combination information including selected source and recipient combinations. For example, FB data showing source account, recipient account, transfer amount, and payment date includes source and recipient combinations and is therefore an example of combination information. In this case, the HR / payroll server 10 outputs the combination information (FB data) at A45 shown in Figure 4. Also, the source details list C26 shown in Figure 8 includes the source and recipient combinations for each employee and is therefore an example of combination information. In this case, the HR / payroll server 10 outputs the combination information (source details list C26) at A31 shown in Figure 4.

[0072] For employees, for example, when it comes to monetary costs, the lower the cost, the more appropriate the cost. Bank transfer fees are one example of such monetary costs. In the example above, by selecting the source of the transfer so that the cost of the transfer meets certain conditions, transfers are made between the same financial institutions as much as possible to keep the transfer fees low. This approach makes the cost of the transfer more appropriate compared to selecting the source of the transfer without considering the cost of the transfer.

[0073] Furthermore, the HR and payroll server 10 functions as an example of a payroll source display unit that displays payroll sources grouped by user attributes. For example, in the payroll source list screen G2 shown in Figure 7, the HR and payroll server 10 displays payroll sources grouped by user attributes such as department, position, or employment type. Specifically, for example, for a user with the attribute of belonging to the "sales department," it is displayed that N1 users have their payroll from the first financial institution, N2 users from the second financial institution, and N3 users from the third financial institution (N1, N2, and N3 are natural numbers). This configuration makes it possible to understand trends in payroll sources, such as what kind of users have which attributes and from which payroll sources their salaries.

[0074] Furthermore, the HR and payroll server 10 functions as an example of a fee display unit that displays transfer fees grouped by user attributes. For example, in the transfer source list screen G2 shown in Figure 7, the HR and payroll server 10 displays transfer fees grouped by user attributes such as department, position, or employment type. Specifically, for example, for a user with the attribute of belonging to the "development department," it is displayed that the transfer fee for transfers to the first financial institution is F1 yen, the transfer fee for transfers to the second financial institution is F2 yen, and the transfer fee for transfers to the third financial institution is F3 yen (F1, F2, and F3 are natural numbers). With this configuration, it is possible to grasp the trends in transfer fees, such as how much transfer fees are incurred by users with different attributes.

[0075] Furthermore, user attributes are not limited to those mentioned above; they may also include, for example, job title, age, length of service, employment type, or residential area. In any case, it is possible to understand the trends in the source of the transfer or the transfer fees.

[0076] Furthermore, the HR / payroll server 10 functions as an example of a guidance display unit that displays guidance information on the registration screen where users register transfer destinations, guiding them to register the financial institution used as the transfer source. For example, the HR / payroll server 10 displays an example of guidance information, C36, which indicates the registration status of the salary transfer destination account, as shown in Figure 10. In this case, it is possible to increase the sense of security of the same financial institution as the transfer source (the first financial institution, the second financial institution, and the third financial institution in the above example), and it is possible to make it easier for the same financial institution as the transfer source to be registered compared to when guidance information is not displayed.

[0077] Furthermore, the HR and payroll server 10 (an example of a guidance display unit) displays a list prioritizing the financial institutions used as the source of remittances on the registration screen that includes an input field for entering the recipient's remittance details, as guidance information when an input field is selected. In the example in Figure 11, the HR and payroll server 10 displays a pull-down list C311 as such a list. In the pull-down list C311, the financial institutions used as the source of remittances are prioritized by positioning them at the top.

[0078] Note that the preferred financial institution is not limited to this method. For example, the preferred financial institution's name can be made larger, bolder, underlined, or highlighted. An image indicating high priority (such as an image with text like "Recommended") may also be added. In any case, for example, if an employee has accounts at multiple financial institutions, the financial institution that is displayed preferentially is more likely to be selected, thus making it easier for the same financial institution as the source of the transfer to be registered.

[0079] <Variation example: Quantity discount> In the example above, the transfer fee was calculated as a monetary cost, but the transfer fee may be discounted depending on the number of transactions (hereinafter referred to as "quantity discount"). The HR / payroll server 10 may calculate the monetary cost taking the quantity discount into account. In that case, the HR / payroll server 10 first calculates the transfer fee as explained in A24 shown in Figure 4.

[0080] Figure 12 shows an example of the calculated total fees. In the example in Figure 12, first, without quantity discounts, the first financial institution has 480 transactions with a total fee of 396,000 yen, the second financial institution has 210 transactions with a total fee of 0 yen, and the third financial institution has 150 transactions with a total fee of 0 yen. The first financial institution includes 180 transfers to financial institutions other than the first financial institution, and the transfer fee for the first financial institution to other banks is 220 yen, so 220 yen x 180 transactions = 396,000 yen.

[0081] Here, the first financial institution offers a discount on transfer fees to other banks, reducing them to 180 yen when the number of transactions exceeds 500. Therefore, the HR and payroll server 10 moves, for example, 20 transfers from the third financial institution to the first financial institution so that the number of transfers to the first financial institution reaches 500, and then recalculates the transfer fees. In that case, the transfer fees for the first financial institution will be 0 yen × 300 transactions + 180 yen × 200 transactions = 360,000 yen.

[0082] In this manner, the HR and payroll server 10 calculates the transfer fee even after applying the quantity discount, and selects the source of the transfer in a way that results in a lower total transfer fee. This approach makes it possible to reduce monetary costs compared to not considering the quantity discount.

[0083] <Variation example: Other costs> In the example above, the source of the transfer was selected so that the monetary cost would be below a certain level, but the costs involved in a transfer are not limited to this. The costs involved in a transfer may include, for example, time costs. Time costs are costs that are expressed by the length of time spent on the transfer, for example, the period from when a business requests a transfer from a financial institution until the funds are actually transferred (hereinafter referred to as the "transfer period").

[0084] Figure 13 shows an example of the transfer period for each financial institution. In the example in Figure 13, the transfer period for transfers to the same bank is 1 day for all financial institutions, but for transfers to other banks, the transfer period is 2 days for the first financial institution, 1 day for the second financial institution, and 3 days for the third financial institution. The HR and payroll server 10 prioritizes financial institutions with shorter transfer periods, for example. In the example in Figure 13, the second financial institution has the highest priority, followed by the first financial institution and then the third financial institution.

[0085] In this case, the predetermined condition is met if the time cost is below a predetermined level. The HR and payroll server 10 selects the source of the transfer so that the cost required for the transfer meets the predetermined condition, that is, so that the time cost is below a predetermined level. For example, the time cost is considered to be below a predetermined level when the time cost for employees who do not have an account at the same financial institution as the transfer source is minimized. The HR and payroll server 10 selects the source of the transfer so that, for example, the time cost is minimized while the monetary cost is also below a predetermined level.

[0086] In the example shown in Figure 13, the HR / payroll server 10 selects the same financial institution as the recipient as the source of the transfer for employees who have an account at the same financial institution as the source of the transfer, since the time cost is the same regardless of which financial institution is used. Furthermore, for employees who do not have an account at the same financial institution as the source of the transfer, the HR / payroll server 10 selects the second financial institution, which has the highest priority in the example shown in Figure 13, as the source of the transfer that minimizes the time cost, since the transfer will always be made to another bank regardless of which financial institution is used.

[0087] This approach allows for a shorter transfer time compared to selecting a transfer source without considering time costs. A shorter transfer period allows for a delay in issuing transfer instructions, which improves convenience for businesses, for example, by providing more time to transfer funds for salaries to the transfer source account. Even if prioritizing time costs does not minimize monetary costs, if the difference in monetary costs is not significant and the benefits of saving time outweigh the drawbacks, then it is acceptable to prioritize time costs when selecting a transfer source.

[0088] Furthermore, if the costs required for the transfer include monetary costs and time costs as described above, the predetermined condition may be satisfied if the sum of the monetary costs and time costs is below a predetermined level. In that case, the HR and payroll server 10 calculates the transfer fee as a monetary cost, for example, as explained in A24 shown in Figure 4. The HR and payroll server 10 also calculates the transfer period to its own bank or to another bank as a time cost, as shown in Figure 13.

[0089] The HR and payroll server 10 then calculates the monetary cost points by multiplying the calculated monetary cost by a coefficient α (where α is a positive real number), and the time cost points by multiplying the time cost by a coefficient β (where β is a positive real number), and the sum of these is calculated as cost points.

[0090] Figure 14 shows an example of the calculated points. In the example in Figure 14, the monetary costs of the first financial institution, the second financial institution, and the third financial institution are calculated as "M1," "M2," and "M3," respectively, and the time costs are calculated as "T1," "T2," and "T3." Then, the cost points are calculated as "αM1+βT1," "αM2+βT2," and "αM3+βT3," which are the sum of the values ​​obtained by multiplying the monetary cost of each financial institution by a coefficient α and the time cost by a coefficient β.

[0091] For example, suppose that the first financial institution, the second financial institution, and the third financial institution all charge 0 yen for transfers to their own banks, and charge 330 yen, 440 yen, and 220 yen, respectively, for transfers to other banks. In this case, if the recipient account is at the first financial institution, the cost points for each financial institution are αM1 + βT1 = α × 0 yen + β × 1 day = β, αM2 + βT2 = α × 440 yen + β × 1 day = 440α + β, and αM3 + βT3 = α × 220 yen + β × 3 days = 220α + 3β. In this case, the cost points for the first financial institution are always the minimum, so the HR and payroll server 10 selects the first financial institution's account as the source of the transfer.

[0092] In the case of the above transfer fees, if the recipient's account is at another financial institution, then αM1+βT1=α×330 yen+β×2 days=330α+2β, αM2+βT2=α×440 yen+β×1 day=440α+β, and αM3+βT3=α×220 yen+β×3 days=220α+3β. Here, if α and β are determined such that 440α+β<330α+2β<220α+3β (for example, α=1, β=120), then the HR payroll server 10 will select the second financial institution's account, which has the minimum cost points, as the source of the transfer.

[0093] The above α and β are just examples; for example, they could be set to prioritize monetary costs, or to prioritize time costs. In either case, the cost of the transfer can be reduced compared to selecting a transfer source without considering cost points.

[0094] Furthermore, the costs associated with bank transfers may include not only monetary and time costs, but also, for example, human resource costs. Human resource costs primarily refer to the costs associated with the work of the person in charge of payment processing. Human resource costs may be considered separately from monetary and time costs, or they may be included in monetary costs as personnel expenses, or in time costs as working hours. In cases where the burden on payment processing personnel differs among financial institutions, the HR and payroll server 10 may select a transfer source such that the human resource costs remain below a predetermined level, thereby reducing the overall cost of the transfer, including human resource costs.

[0095] <Example: User Attributes> The HR and payroll server 10 may consider user attributes when selecting the source of remittance. User attributes include, for example, employment type, position, department, job title, age, length of service, work style, or residential area. The HR and payroll server 10 (an example of the selection unit) will, for example, select a predetermined source of remittance for a user who has registered a remittance destination if that user has predetermined attributes. The HR and payroll server 10 uses a remittance source table that associates user attributes with remittance sources.

[0096] Figure 15 shows an example of a transfer source table. In the example in Figure 15, the user attributes "Executive" and "Resident of Region A" are associated with the transfer sources "First Financial Institution (Main Bank)" and "Third Financial Institution (Regional Bank of Region A)," respectively. The personnel and payroll server 10 can refer to each user's attributes by referring to personnel information. For example, if the recipient user's position is "Executive," the personnel and payroll server 10 selects "First Financial Institution (Main Bank)," which is associated with "Executive" in the transfer source table, as the transfer source.

[0097] Furthermore, the HR and payroll server 10, for example, if the recipient user's address is in "Region A," selects the "Third Financial Institution (Regional Bank A)" which is associated with "Resident of Region A" in the transfer source table, as the transfer source. By transferring the salaries of high-salaried users, such as executives, from the main bank, the amount of funds deposited in the main bank is increased, making it easier to accumulate transaction volume. Also, since residents of a region are important customers for regional banks closely tied to that region, selecting that regional bank as the transfer source contributes to increasing awareness among employees living in that region and strengthens the connection with that financial institution. In this way, according to the configuration described in Figure 15, it is possible to strengthen the relationship with a specific financial institution compared to not selecting a predetermined transfer source.

[0098] <Variation: Branch Matching> In the example above, both the source and destination accounts were at financial institutions. In this case, the HR / payroll server 10 (an example of the selection section) may preferentially select the same account as the source account, including the destination and branch. Depending on the financial institution, transfer fees may differ between transfers to accounts within the same branch and transfers to accounts at different branches. Also, a business may have accounts at multiple branches of the same financial institution that can be used as source accounts.

[0099] For example, suppose a business has accounts at the first and second branches of the first financial institution as source accounts for transfers. In this case, if the recipient is at the first branch of the first financial institution, the HR / payroll server 10 will select the first branch of the same first financial institution as the source account, and if the recipient is at the second branch of the same first financial institution, it will select the second branch of the same first financial institution as the source account. With this configuration, the costs required for transfers can be further reduced compared to selecting a source account without considering the branch.

[0100] <Differentiation: Bonus> In the above example, the source of the transfer was guided by displaying guidance information (registration status C36 and pull-down list C311) as shown in Figures 10 and 11, but the method of guiding the source of the transfer is not limited to this. For example, the HR / payroll server 10 may function as an example of a benefits unit that performs benefits processing to grant benefits to users who have registered the financial institution used as the transfer source as the transfer destination. The HR / payroll server 10 may, for example, use a benefits table that associates transfer destinations with benefits.

[0101] Figure 16 shows an example of a benefits table. In the example in Figure 16, the benefits "¥200 off company cafeteria meals," "¥100 off company cafeteria meals," and "¥100 off company cafeteria meals" are associated with the transfer destinations "First Financial Institution," "Second Financial Institution," and "Third Financial Institution," respectively. The employer may, for example, have a system where employees pay for their company cafeteria meals using their employee ID cards, and the amount is later deducted from their salary. In this case, the HR / payroll server 10 executes a benefit process that deducts ¥200 from the amount deducted each month for users who have registered "First Financial Institution" as their transfer destination. The HR / payroll server 10 also executes a benefit process that deducts ¥100 from the amount deducted each month for users who have registered "Second Financial Institution" or "Third Financial Institution" as their transfer destination.

[0102] However, the processing of benefits is not limited to this. For example, if a business operates an e-commerce site for employee sales, the HR and payroll server 10 may perform a process to increase the discount amount for employees as a benefit process. In short, any process that can provide some kind of benefit to employees may be performed as a benefit process.

[0103] If a user has accounts at multiple financial institutions and can register any of them, they are more likely to register the one that offers the benefit. In this way, the execution of the benefit process makes it more likely that the same financial institution as the source of the transfer will be used compared to when the benefit process is not performed.

[0104] <Example of variation: Variations in configuration> The configuration shown in Figure 1, etc. (overall configuration, hardware configuration, and functional configuration, etc.) is just an example, and other configurations can be adopted as long as they do not cause inconvenience in implementation. For example, the HR / payroll server 10 may be distributed across two or more devices, or it may be provided in the form of SaaS (Software as a Service) or a cloud computing system. Furthermore, some of the processing performed by the HR / payroll server 10 may be performed by the business terminals 20 and employee terminals 30, or some of the processing performed by the business terminals 20 and employee terminals 30 may be performed by the HR / payroll server 10. In short, as long as the necessary information processing is performed throughout the HR / payroll system 1, the devices that perform that information processing are not limited.

[0105] The output destination for information or data (hereinafter referred to as "information, etc.") may be other devices, displays, storage units (including built-in and external storage units), email addresses, or accounts in other systems. Acquisition of information, etc. includes not only acquiring information, etc. transmitted from other devices, but also acquiring information, etc. generated by the device itself or information, etc. stored by the device itself. The database may be stored in an information processing device such as the personnel and payroll server 10, or it may be stored in an external device. Furthermore, the information stored in the database may be used in a manner that temporarily stores it in memory.

[0106] The embodiments described above included information processing devices such as a personnel and payroll server 10, a business terminal 20, and an employee terminal 30, or an information processing system such as a personnel and payroll system 1 equipped with these information processing devices. However, it may also be an information processing method. The information processing method comprises steps executed by one or more processors in the information processing system. Furthermore, the embodiments described above may also be a program. The program causes a computer to execute the same steps as those executed by the information processing system.

[0107] <Note> Furthermore, they may be provided in the following embodiments.

[0108] (1) An information processing system comprising one or more processors, wherein in an acquisition step, the processor acquires transfer destination information indicating one or more transfer destinations registered by a user; in a selection step, the processor selects from two or more predetermined transfer sources to transfer to the transfer destination indicated by the acquired transfer destination information, such that the cost required for the transfer satisfies predetermined conditions; and in an output step, the processor outputs combination information including the selected combination of transfer source and transfer destination.

[0109] This configuration allows for a more appropriate reduction in the costs associated with bank transfers.

[0110] (2) An information processing system as described in (1) above, wherein the cost includes monetary costs, and the condition is met if the monetary costs are below a predetermined level.

[0111] This method can reduce the costs associated with bank transfers.

[0112] (3) An information processing system as described in (1) above, wherein the cost includes time costs, and the condition is met if the time costs are below a predetermined level.

[0113] This configuration makes it possible to shorten the time required for the transfer.

[0114] (4) An information processing system as described in (1) above, wherein the cost includes monetary costs and time costs, and the condition is satisfied if the sum of the monetary costs and time costs is less than a predetermined level.

[0115] This configuration makes it possible to reduce the costs associated with bank transfers.

[0116] (5) In the information processing system described in (4) above, in the selection step, the processor selects a predetermined source of remittance as the source of remittance for the user who registered the recipient of the remittance, if the user has predetermined attributes.

[0117] This approach can strengthen relationships with specific financial institutions.

[0118] (6) An information processing system described in any one of (1) to (5) above, wherein the source and recipient of the transfer are accounts of a financial institution, and in the selection step, the processor preferentially selects as the source account an account that is the same as the recipient account and branch.

[0119] This configuration can further reduce the costs associated with bank transfers.

[0120] (7) An information processing system described in any one of (1) to (6) above, wherein in the remitter display step, the processor displays the remitter grouped by user attribute.

[0121] This approach makes it possible to understand the trends of the source of the transfer.

[0122] (8) An information processing system described in any one of (1) to (7) above, wherein in the guidance display step, the processor causes the user to display guidance information on the registration screen in which the user registers the recipient of the transfer, in order to guide the user to register the financial institution used as the source of the transfer.

[0123] This configuration makes it easier for the same financial institution as the sender to be registered.

[0124] (9) Information processing system as described in (8) above, wherein in the guidance display step, the processor causes the registration screen, which includes an input field for entering the recipient of the transfer, to display a list prioritizing the financial institutions used as the source of the transfer, as guidance information when the input field is selected.

[0125] This configuration makes it easier for the same financial institution as the sender to be registered.

[0126] (10) An information processing system described in any one of (1) to (9) above, wherein in the reward step, the processor performs a reward processing to grant a reward to a user who has registered the financial institution used as the source of the transfer as the recipient of the transfer.

[0127] This configuration makes it easier for the same financial institution to be used for the transfer.

[0128] (11) An information processing method comprising each of the steps described in any one of (1) to (10) above, which is performed by a processor.

[0129] This configuration allows for a more appropriate reduction in the costs associated with bank transfers.

[0130] (12) A program that causes a computer to perform any one of the steps described in (1) to (10) above.

[0131] This configuration allows for a more appropriate reduction in the costs associated with bank transfers. Of course, this is not always the case. Furthermore, the embodiments and modifications described above may be implemented in any combination.

[0132] Finally, various embodiments of the present invention have been described, but these are presented as examples only and are not intended to limit the scope of the invention. Novel embodiments can be implemented in a variety of other forms, and various omissions, substitutions, and modifications can be made without departing from the spirit of the invention. Embodiments and their variations are included in the scope and spirit of the invention, as well as in the claims and their equivalents. [Explanation of Symbols]

[0133] 1: Human Resources and Payroll System 2: Communication lines 10: Human Resources and Payroll Server 20: Business terminal 30: Employee terminal 101: Control Unit 201: Control Unit 301: Control Unit

Claims

1. An information processing system comprising one or more processors, In the acquisition step, the processor acquires transfer destination information indicating one or more transfer destinations registered by the user. In the selection step, the processor selects from two or more predetermined remitter sources to remit to the recipient indicated by the acquired recipient information, such that the cost required for the remittance satisfies predetermined conditions. In the output step, the processor outputs combination information including the selected combination of the transfer source and the transfer destination. Information processing system.

2. In the information processing system described in claim 1, The aforementioned costs include monetary costs, The above condition is met if the monetary cost is below a predetermined level. Information processing system.

3. In the information processing system described in claim 1, The aforementioned costs include time costs, The above condition is satisfied if the time cost is below a predetermined level. Information processing system.

4. In the information processing system described in claim 1, The aforementioned costs include monetary costs and time costs. The above condition is satisfied if the sum of the monetary cost and the time cost is less than a predetermined level. Information processing system.

5. In the information processing system described in claim 4, In the selection step, if the user who registered the recipient has predetermined attributes, the processor selects a predetermined source as the source of the transfer for that recipient. Information processing system.

6. In the information processing system described in claim 1, The aforementioned source and recipient of the transfer are accounts at financial institutions. In the selection step, the processor preferentially selects the same account as the source of the transfer, including the recipient and branch. Information processing system.

7. In the information processing system described in claim 1, In the transfer source display step, the processor displays the transfer sources grouped by the user's attributes. Information processing system.

8. In the information processing system described in claim 1, In the guidance display step, the processor displays guidance information on the registration screen where the user registers the recipient of the transfer, in order to guide the user to register the financial institution used as the source of the transfer. Information processing system.

9. In the information processing system described in claim 8, In the guidance display step, the processor On the registration screen which includes an input field for entering the recipient of the transfer, a list prioritizing the financial institutions used as the source of the transfer is displayed as guidance information when the input field is selected. Information processing system.

10. In the information processing system described in claim 1, In the reward step, the processor performs reward processing to grant rewards to users who have registered the financial institution used as the source of the transfer as the recipient. Information processing system.

11. Information processing method, The processor comprises each step according to any one of claims 1 to 10, Information processing methods.

12. It is a program, Cause the computer to perform each of the steps described in any one of claims 1 to 10. program.

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