PROGRAM, INFORMATION PROCESSING APPARATUS AND METHOD

Abstract

To explain about a technique that can optimally present candidates for a distribution destination of a user's salary in a system for salary payment.SOLUTION: A program is executed by a computer comprising a processor, and the program causes the processor to execute the steps of: receiving one or more salary receiving destinations for every employee; calculating a salary of the employee; on the basis of a predetermined condition, presenting, to the employee, one or more salary distribution destination candidates among the one or more salary receiving destinations; receiving, from the employee, selection and approval of the presented salary distribution destination candidates; and after a salary specification for a current month is settled in the step of calculating a salary, outputting payment data for salary payment on the basis of, the registered one or more salary receiving destinations.SELECTED DRAWING: Figure 6

Description

[Technical field]

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

[0002] Systems are known that allow employees to specify how they wish to be paid.

[0003] Patent Document 1 discloses a technology for a system that receives a salary allocation ratio from an employee, calculates at least a portion of the salary based on the received allocation ratio, and associates it with an employee account associated with the employee. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] JP 2020-123211 A Summary of the Invention [Problem to be solved by the invention]

[0005] The technology in Patent Document 1 describes a technology that accepts a salary allocation ratio from employees, calculates each employee's salary based on the accepted allocation ratio, and associates it with the employee's information. However, the technology in Patent Document 1 only calculates the salary allocation amount based on the allocation ratio accepted from the employee. Therefore, there is a risk that the salary allocation ratio may not be optimal for the employee.

[0006] Therefore, in this disclosure, a technology that makes it possible to present more optimal candidates for the allocation of a user's salary will be described. [Means for solving the problem]

[0007] According to one embodiment of the present disclosure, there is provided a program executed by a computer having a processor, the program causing the processor to execute the following steps: accepting one or more salary recipients for each employee; calculating the employee's salary; presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on specified conditions; accepting from the employee a selection and approval of the presented candidate salary destinations; and, in the salary calculation step, outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been finalized. Effect of the Invention

[0008] According to the present disclosure, it is possible to present more optimal salary allocation candidates to a user. [Brief description of the drawings]

[0009] [Figure 1] FIG. 1 is a diagram showing the overall configuration of a salary payment system 1 according to a first embodiment. [Diagram 2] 1 is a block diagram showing the functional configuration of a terminal device 10 constituting the salary payment system 1 of the first embodiment. [Diagram 3] FIG. 2 is a diagram showing the functional configuration of the server 20 constituting the salary payment system 1 of the first embodiment. [Figure 4] FIG. 2 is a diagram showing an example of the data structure of a user information database 2021 stored in the server 20 constituting the salary payment system 1 of the first embodiment. [Diagram 5] 11 is a flowchart showing an example of a process for setting a salary allocation destination by the salary payment system 1 of the first embodiment. [Figure 6] FIG. 11 is a diagram showing an example of a screen when salary allocation destination candidates are presented to a user in the salary payment system 1 of the first embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0010] Hereinafter, an embodiment of the present disclosure will be described with reference to the drawings. In the following description, the same components are denoted by the same reference numerals. Their names and functions are also the same. Therefore, detailed description thereof will not be repeated.

[0011] <Summary> The salary payment system according to the present disclosure will be described below. This salary payment system is a system for providing a service of presenting candidates for salary allocation destinations to users who receive salary from a corporation. Recently, virtual currency and cashless commercial transactions have become widespread, but due to legal requirements, it has still been necessary to transfer cash to employees' salary accounts for salary payments. Therefore, it is necessary to establish a salary payment system that includes payment methods other than cash. Here, if the allocation of salary payment methods is left solely to the employee's instructions, there is a risk that the salary allocation ratio will not be optimal for the employee. Therefore, the present disclosure provides a technology for presenting candidates for salary allocation destinations to users more optimally in a salary payment system.

[0012] Therefore, the program in the salary payment system disclosed herein is a program executed by a computer having a processor, and the program causes the processor to execute the following steps: accepting one or more salary recipients for each employee; calculating the employee's salary; presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on specified conditions; accepting from the employee a selection and approval of the presented candidate salary destinations; and, in the salary calculation step, outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been finalized.

[0013] <First embodiment> The salary payment system 1 of the first embodiment will be described below. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

[0014] <1 Overall configuration of payroll payment system 1> Fig. 1 is a diagram showing the overall configuration of a salary payment system 1 according to a first embodiment. As shown in Fig. 1, the salary payment system 1 includes a plurality of terminal devices (terminal device 10A and terminal device 10B are shown in Fig. 1. Hereinafter, they may be collectively referred to as "terminal device 10") and a server 20. The terminal devices 10 and the server 20 are connected to each other via a network 80 so that they can communicate with each other. The network 80 is configured as a wired or wireless network.

[0015] The terminal device 10 is a device operated by each user. Here, a user is a person who uses the terminal device 10 to perform the functions of the salary payment system 1, such as salary payment, or to input a series of information related to the registration of salary allocation destinations, and is, for example, a manager of a corporation (enterprise) or an employee of the corporation. The terminal device 10 is realized by a stationary PC (Personal Computer), a laptop PC, or the like. Alternatively, the terminal device 10 may be, for example, a tablet compatible with a mobile communication system, a mobile terminal such as a smartphone, or the like.

[0016] The terminal device 10 is communicatively connected to the server 20 via a network 80. The terminal device 10 is connected to the network 80 by communicating with communication devices such as a wireless base station 81 compatible with communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN router 82 compatible with wireless LAN (Local Area Network) standards such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. As shown as the terminal device 10B in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage unit 16, and a processor 19.

[0017] The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 can communicate with an external device such as the server 20. The input device 13 is an input device (e.g., a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving an input operation from a user. The output device 14 is an output device (a display, a speaker, etc.) for presenting information to a user. The memory 15 is for temporarily storing a program and data processed by the program, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for saving data, and is, for example, a flash memory or a HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, a peripheral circuit, etc.

[0018] The server 20 is a device that manages a series of processes related to salary payment. The server 20 has user information, the user's desired salary allocation destination, etc. registered in the storage unit, and acquires user information necessary for salary payment from the various information registered in the storage unit. The server 20 performs a series of processes related to salary payment based on the acquired user information.

[0019] The server 20 is a computer connected to a network 80. The server 20 includes a communication IF 22, an input / output IF 23, a memory 25, a storage 26, and a processor 29.

[0020] The communication IF 22 is an interface for inputting and outputting signals so that the server 20 can communicate with an external device. The input / output IF 23 functions as an interface with an input device (not shown) for receiving an input operation from a user and an output device (not shown) for presenting information to a user. The memory 25 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 29 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, a peripheral circuit, etc.

[0021] <1.1 Configuration of the terminal device 10> FIG. 2 is a block diagram showing the functional configuration of the terminal device 10 constituting the salary payment system 1 of the first embodiment. As shown in FIG. 2, the terminal device 10 includes a plurality of antennas (antenna 111, antenna 112), wireless communication units (first wireless communication unit 121, second wireless communication unit 122) corresponding to each antenna, an operation reception unit 130 (including a keyboard 1301 and a mouse 1302), a voice processing unit 140, a microphone 141, a speaker 142, a display 150, a storage unit 170, and a control unit 180. The terminal device 10 also has functions and configurations (for example, a battery for storing power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.) that are not particularly shown in FIG. 2. As shown in FIG. 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

[0022] The antenna 111 emits a signal generated by the terminal device 10 as a radio wave. The antenna 111 also receives a radio wave from space and provides the received signal to the first wireless communication unit 121.

[0023] The antenna 112 radiates a signal generated by the terminal device 10 as a radio wave. The antenna 112 also receives a radio wave from space and provides the received signal to the second radio communication unit 122.

[0024] The first wireless communication unit 121 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 111 so that the terminal device 10 can communicate with other wireless devices. The second wireless communication unit 122 performs modulation / demodulation processing and the like for transmitting and receiving signals via the antenna 112 so that the terminal device 10 can communicate with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, a Received Signal Strength Indicator (RSSI) calculation circuit, a Cyclic Redundancy Check (CRC) calculation circuit, a high-frequency circuit, and the like. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation / demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10, and provide the received signals to the control unit 180.

[0025] The operation reception unit 130 has a mechanism for receiving input operations from a user. Specifically, the operation reception unit 130 includes a keyboard 1301 and a mouse 1302. Note that the operation reception unit 130 may be configured as a touch screen that detects the user's contact position on the touch panel, for example, by using a capacitive touch panel.

[0026] The keyboard 1301 accepts input operations by the user of the terminal device 10. The keyboard 1301 is a device for inputting characters, and outputs input character information to the control unit 180 as an input signal.

[0027] The mouse 1302 accepts input operations by the user of the terminal device 10. The mouse 1302 is a pointing device for selecting an object displayed on the display 150, and outputs position information of an object selected on the screen and information indicating that a button has been pressed to the control unit 180 as input signals.

[0028] The audio processing unit 140 modulates and demodulates an audio signal. The audio processing unit 140 modulates a signal provided from the microphone 141 and provides the modulated signal to the control unit 180. The audio processing unit 140 also provides the audio signal to the speaker 142. The audio processing unit 140 is realized by, for example, a processor for audio processing. The microphone 141 accepts audio input and provides an audio signal corresponding to the audio input to the audio processing unit 140. The speaker 142 converts the audio signal provided from the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10.

[0029] Display 150 displays data such as images, videos, and text under the control of control unit 180. Display 132 is realized by, for example, an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

[0030] Storage unit 170 is configured with memory 15, such as a flash memory, and storage unit 16, and stores data and programs used by terminal device 10. In one aspect, storage unit 170 stores user information 1701.

[0031] The user information 1701 is information about a user who uses the terminal device 10 to input information necessary for salary payment, which is a function of the salary payment system 1. The user information includes information for identifying the user (user ID), information about the user's name, and the like.

[0032] The control unit 180 is constituted by, for example, the processor 19, and controls the operation of the terminal device 10 by reading a program stored in the storage unit 170 and executing instructions included in the program. The control unit 180 performs the functions of an input operation receiving unit 1801, a transmission / reception unit 1802, a data processing unit 1803, and a notification control unit 1804 by operating according to a program that is, for example, an application that has been installed in advance in the terminal device 10 (stored in the storage unit 170).

[0033] The input operation receiving unit 1801 performs processing for receiving input operations by a user via an input device such as the keyboard 1301 .

[0034] The transmitting / receiving unit 1802 performs processing for the terminal device 10 to transmit and receive data to and from an external device such as the server 20 in accordance with a communication protocol.

[0035] The data processing unit 1803 performs calculations on the data input by the terminal device 10 according to a program, and outputs the calculation results to a memory or the like.

[0036] The notification control unit 1804 performs processing to present information to the user. The notification control unit 1804 performs processing to display a display image on the display 150, processing to output sound to the speaker 142, and the like.

[0037] <1.2 Functional configuration of server 20> 3 is a diagram showing the functional configuration of the server 20 constituting the salary payment system 1 of the first embodiment. As shown in FIG. 3, the server 20 exerts the functions of a communication unit 201, a storage unit 202, and a control unit 203.

[0038] The communication unit 201 performs processing for the server 20 to communicate with external devices.

[0039] The storage unit 202 is configured with, for example, a memory 25 and a storage 26, and stores data and programs used by the server 20. The storage unit 202 stores a user information database 2021, a salary allocation destination information database 2022, and the like.

[0040] The user information database 2021 is a database for holding various information related to users who input information necessary for salary payment in the salary payment system 1. Details will be described later.

[0041] The salary allocation destination information database 2022 is a database for holding various information related to the allocation destinations to which the user's salary is allocated in the salary payment system 1. Details will be described later.

[0042] The control unit 203 is composed of, for example, a processor 29, and by this processor 29 performing processing in accordance with a program, it performs the functions shown in various modules, such as a receiving control module 2031, a sending control module 2032, a user information acquisition module 2033, a salary recipient reception module 2034, a salary recipient registration module 2035, a salary calculation module 2036, a salary allocation destination candidate setting module 2037, a salary allocation destination candidate presentation module 2038, a salary allocation destination approval module 2039, and a payment data output module 2040.

[0043] The reception control module 2031 controls the process in which the server 20 receives a signal from an external device in accordance with a communication protocol.

[0044] The transmission control module 2032 controls the process in which the server 20 transmits signals to external devices in accordance with a communication protocol.

[0045] The user information acquisition module 2033 controls the process of acquiring information such as user information 1701, which is various information related to a user, from a user who uses the salary payment system 1. The various information related to a user is information necessary when a user uses the salary payment system 1, and includes, for example, information such as a user's ID and name. The user information acquisition module 2033 stores the acquired information related to the user in the user information database 2021.

[0046] The salary receipt receiving module 2034 controls the process of receiving account information for receiving salary from the terminal device 10 of the user who uses the salary payment system 1. At this time, the salary receipt receiving module 2034 receives, for example, the following information as the account information for the user to receive salary. Cashable prepaid card accounts Account information for cashable prepaid instruments · Electronic payment method account Account information linked to electronic payment instruments Account information for cryptocurrency Financial institution account information The number of account information accepted by the salary receipt receiving module 2034 is not limited to one. The salary receipt receiving module 2034 may accept multiple pieces of account information from the user.

[0047] The salary receipt registration module 2035 controls the process of registering account information received from a user by the salary receipt reception module 2034. For example, the salary receipt registration module 2035 stores the account information received from a user by the salary receipt reception module 2034 in the salary allocation information database 2022. In one aspect, the information may be stored in the user information database 2021 rather than in the salary allocation information database 2022.

[0048] The salary calculation module 2036 controls the process of calculating the salary of a user who is an employee. For example, the salary calculation module 2036 calculates the salary of the user based on the attendance information (not shown) of the user stored in the storage unit 202 of the server 20. At this time, the salary calculation module 2036 may obtain information related to attendance and salary of each user not from the storage unit 202 but from an external labor management system, and calculate the salary of the user based on the obtained information.

[0049] The salary allocation destination candidate setting module 2037 controls the process of setting candidates for the payment destination of the user's salary calculated by the salary calculation module 2036 based on predetermined conditions. For example, the salary allocation destination candidate setting module 2037 sets the salary allocation destination candidates of the user based on the salary recipient information accepted by the salary recipient acceptance module 2034 and the following conditions as the predetermined conditions. · Payroll usage status · Usage status of points provided by salary recipients -Monthly payment status by payee · Fees at payee For example, the salary allocation destination candidate setting module 2037 obtains detailed information regarding user transactions, such as those exemplified above, via an API (Application Programming Interface) from the systems of financial institutions, providers of cashable prepaid means, electronic payment system providers, and virtual currency providers that are affiliated with the salary allocation system 1. At this time, the salary allocation destination candidate setting module 2037 may set a priority to the acquired information. The salary allocation destination candidate setting module 2037 sets candidates to which the user allocates the salary based on the acquired information and the set priority. At this time, the salary allocation destination candidate setting module 2037 sets the salary allocation destination candidate is not limited to one. The above conditions are not limited to these. For example, the conditions may be a point redemption rate, an annual interest rate, etc. If the payment destination is a cryptocurrency or other currency whose value fluctuates, the conditions may be information such as a fluctuation range calculated from past trends.

[0050] In a certain aspect, the salary allocation destination candidate setting module 2037 may set a salary allocation destination other than the one received from the user as a salary allocation destination candidate. For example, the server 20 may store various information (fees, point return rate, stability, etc.) of multiple financial institutions, electronic payment systems, and virtual currencies in advance in the storage unit 202, and set the salary allocation destination candidates of the user by referring to the information. This allows the user to receive salary allocation candidates in a more optimal manner.

[0051] In addition, in some situations, the salary allocation destination candidate setting module 2037 may re-set the salary allocation destination candidates for the user based on the changed information when any of the following conditions change at the salary receiving destination. · Payroll usage status · Usage status of points provided by salary recipients -Monthly payment status by payee · Fees at payee Point redemption rate Annual interest rate Fluctuation range calculated from past trends Specifically, for example, the salary allocation destination candidate setting module 2037 may periodically (for example, every six months) obtain user usage status, etc. via an API from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers that are affiliated with the salary allocation system 1. The salary allocation destination candidate setting module 2037 sets the priority of the allocation destination based on the acquired user usage status, the most frequent usage status, the most frequent payment status, etc. The salary allocation destination candidate setting module 2037 may update the information of the salary allocation destination based on the information and present it to the user. At this time, the server 20 updates the information in the salary allocation destination database 2022 only if the change is approved by the user. In addition, the salary allocation destination candidate setting module 2037 may reset the salary allocation destination candidates based on the changed information when there is a change in the provision mode of the salary recipient. For example, when there is a merger of salary recipients, a service stop, etc., the salary allocation destination candidate setting module 2037 resets the information of the salary allocation destination candidates. This allows the user to receive a presentation of possible salary allocation destinations based on the latest information on salary recipients.

[0052] The salary allocation destination candidate presentation module 2038 controls the process of presenting the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037 to the user. At this time, the form in which the salary allocation destination candidate presentation module 2038 presents the candidates to the user is not limited. For example, it may be a form in which a pie chart is depicted, a form in which a list is displayed, or the like, or a combination of these may be used. This allows the user to visually grasp in what proportion the salary allocation should be determined.

[0053] The salary allocation destination approval module 2039 controls the process of accepting approval operations from the user for the candidates presented by the salary allocation destination candidate presentation module 2038. For example, the salary allocation destination candidate presentation module 2038 presents the user with options for approval or rejection for each salary allocation destination. Thereafter, the salary allocation destination approval module 2039 may accept an operation for approval from the user. At this time, the salary allocation destination approval module 2039 may accept an approval operation after accepting a change in the allocation ratio from the user. This allows the user to review the presented candidates in light of their own life plans and then give their approval.

[0054] The payment data output module 2040 controls the process of outputting payment data for salary payment based on the user's salary information and the approved salary recipient. Specifically, for example, the payment data output module 2040 executes processes such as remittance reservation and remittance to various financial institutions and electronic payment systems to which the salary is paid. At this time, the payment data output module 2040 may output the payment data in cooperation with an external labor management system. In addition, the payment data output module 2040 may work in conjunction with an external labor management system to issue pay slips based on the pay recipient, generate different accounting entries depending on the pay recipient, and reflect these in the business's accounting data. This allows corporations that pay salaries to users to easily reflect this in the data managed by their accounting system, even if there are multiple salary allocation destinations.

[0055] <2 Data Structure> FIG. 4 is a diagram showing an example of the data structure of the user information database 2021 and the salary allocation information database 2022 stored in the server 20. As shown in FIG.

[0056] As shown in FIG. 4, each record in the user information database 2021 includes an item "user ID", an item "name", an item "age", an item "gender", an item "salary", an item "remarks", and the like.

[0057] The item “User ID” is information that identifies each user managed by the salary payment system 1.

[0058] The item “Name” is information indicating the name of the user managed by the salary payment system 1.

[0059] The item “age” is information indicating the age of the user managed by the salary payment system 1.

[0060] The item “Gender” is information indicating the gender of the user managed by the salary payment system 1.

[0061] The item “salary” is information indicating the salary of the user managed by the salary payment system 1. The server 20 may obtain the information by accepting it from the salary calculation module 2036.

[0062] The item "Notes" is information that is stored if there are any special notes regarding users managed by the salary payment system 1.

[0063] As shown in Fig. 4, each record in the salary allocation information database 2022 includes an item "User ID", an item "Registered Account 1", an item "Registered Account 2", an item "Notes", etc. In this case, the "Registered Account" of each item is not limited to an account of a financial institution. It may be account information of an electronic payment system or an account for virtual currency. In addition, the items "Registered Account 1" and "Registered Account 2" include sub-items such as "Basic Information," "Usage Fee," "Monthly Usage Rate," "Total Monthly Usage Amount," "Point Redemption Rate," "Total Point Usage Amount," the item "Allocation Amount," and the item "Last Updated Date."

[0064] The item “user ID” is information that identifies each user managed by the salary payment system 1, and is common to the item “user ID” in the user information database 2021.

[0065] The items “Registered Account 1” and “Registered Account 2” are information about the account to receive salary that is received from the user and managed by the salary payment system 1. Each registered account includes information such as "basic information," "usage fee," "monthly usage rate," "total monthly usage amount," "point redemption rate," and "total point usage amount," and each indicates the information below.

[0066] The sub-item "Basic Information" is information that identifies the account type of the account. For example, the account types are as follows: ·Account for cashable prepaid instruments Cashable prepaid card accounts · Electronic payment method account Account information linked to electronic payment instruments · Cryptocurrency accounts Financial institution account

[0067] The sub-item "usage fee" is information indicating the fee for each account (e.g., settlement fee, etc.).

[0068] The sub-item "Monthly usage rate" is information indicating the percentage of how much a user used each account within a given period. For example, the server 20 may calculate the monthly usage rate from the total number of transactions in a month and the number of transactions in each account. In this case, the utilization rate to be calculated is not limited to a monthly basis, but may be a half-yearly basis or a yearly basis.

[0069] The sub-item "Monthly Total Usage" is information showing the total amount of transactions made by the user in each account during a specified period. This information may be shown as the total amount of deposits and withdrawals.

[0070] The sub-item "point redemption rate" is information indicating the rate at which points are redeemed for a user in the service that provides each account.

[0071] The sub-item "total amount used for points" is information on the total amount used for transactions by a user using points in each account.

[0072] The sub-item "allocation amount" indicates the amount of salary allocated to each account. In this case, this item may indicate not only the actual amount but also what percentage of salary is allocated. Furthermore, the server 20 may present to the user the allocation ratio of the user's salary in a graphical form based on this data. This allows the user to visually understand how his or her salary is being allocated.

[0073] The sub-item "last update date" indicates the most recent date on which the salary allocation destination candidate setting module 2037 set the salary allocation destination of the user. The salary allocation destination candidate setting module 2037 updates the record every time the salary allocation destination information database 2022 is updated.

[0074] The salary allocation destination candidate setting module 2037 sets the salary allocation destination of the user based on the user's salary information and the information managed in the above sub-items. This allows the user to present salary allocation candidates in accordance with his or her actual usage.

[0075] The item "Notes" is information that is stored when there are special notes regarding the salary distribution destination information managed by the salary payment system 1.

[0076] <3 operations> A series of processes performed by the salary payment system 1 in the first embodiment will be described below with reference to FIG.

[0077] FIG. 5 is a flowchart showing an example of a process related to setting of a salary allocation destination by the salary payment system 1 of the first embodiment.

[0078] In step S501, the control unit 180 of the terminal device 10 accepts one or more payee destinations for each user who is an employee. Specifically, for example, the control unit 180 accepts the operation by displaying a screen for registering payee destinations on the display 150 or the like and accepting an input operation from the user. The control unit 180 of the terminal device 10 transmits the received information to the server 20.

[0079] In step S551, the control unit 203 of the server 20 calculates the user's salary. Specifically, the salary calculation module 2036 calculates the user's salary based on the user's attendance information. At this time, the salary calculation module 2036 may obtain information related to attendance and salary of each user from an external accounting system, and calculate the user's salary based on the obtained information. Note that the order of execution of steps S501 and S551 is not limited to the order shown in FIG. 5, but may be simultaneous, or step S551 may be executed first.

[0080] In step S552, the control unit 203 of the server 20 presents one or more salary allocation destination candidates out of one or more salary recipients to the user based on a predetermined condition. Specifically, for example, the control unit 203 of the server 20 transmits the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037 to the terminal device 10 by the salary allocation destination candidate presentation module 2038.

[0081] The operation of step S552 will be described in more detail. The salary allocation destination candidate setting module 2037 controls the process of setting candidates for the payment destination of the user's salary calculated by the salary calculation module 2036 based on predetermined conditions. For example, the salary allocation destination candidate setting module 2037 sets the salary allocation destination candidates of the user based on the salary recipient information accepted by the salary recipient acceptance module 2034 and the following conditions as the predetermined conditions. · Payroll usage status · Usage status of points provided by salary recipients -Monthly payment status by payee · Fees at payee At this time, the salary allocation destination candidate setting module 2037 sets the salary allocation destination candidate is not limited to one. The above conditions are not limited to these. For example, the conditions may be a point redemption rate, an annual interest rate, etc. If the payment destination is a cryptocurrency or other currency whose value fluctuates, the conditions may be information such as a fluctuation range calculated from past trends.

[0082] In a certain aspect, the salary allocation destination candidate setting module 2037 may set a salary allocation destination other than the one received from the user as a salary allocation destination candidate. For example, the server 20 may store a plurality of account information in the storage unit 202 in advance, and set the salary allocation destination candidate of the user by referring to the account information. This allows the user to set the salary allocation destination in a more optimal manner.

[0083] In addition, in some situations, the salary allocation destination candidate setting module 2037 may re-set the salary allocation destination candidates for the user based on the changed information when any of the following conditions change at the salary receiving destination. · Payroll usage status · Usage status of points provided by salary recipients -Monthly payment status by payee · Fees at payee Point redemption rate Annual interest rate Fluctuation range calculated from past trends In addition, the salary allocation destination candidate setting module 2037 may reset the salary allocation destination candidates based on the changed information when there is a change in the provision mode of the salary recipient. For example, when there is a merger of salary recipients, a service stop, etc., the salary allocation destination candidate setting module 2037 resets the information of the salary allocation destination candidates. This allows the user to allocate salary based on the most up-to-date information on salary recipients.

[0084] The salary allocation destination candidate presentation module 2038 controls the process of presenting the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037 to the user. At this time, the form in which the salary allocation destination candidate presentation module 2038 presents the candidates to the user is not limited. For example, it may be a form in which a pie chart is depicted, a form in which a list is displayed, or the like, or a combination of these may be used. This allows the user to visually grasp in what proportion the salary allocation should be determined.

[0085] In step S502, the control unit 180 of the terminal device 10 displays the salary allocation destination candidates presented by the salary allocation destination candidate presentation module 2038 of the server 20 on the display 150. After this, the control unit 180 of the terminal device 10 accepts the selection and approval of the salary allocation destination candidates presented on the display 150 from the user. Specifically, for example, the salary allocation destination approval module 2039 may accept an operation for approval from the user by presenting to the user an option for approval or rejection for each salary allocation destination. At this time, the salary allocation destination approval module 2039 may accept the approval operation after accepting a change in the allocation ratio from the user. This allows the user to review the presented candidates in light of their own life plans and then give their approval.

[0086] In step S553, after the pay slip for the current month has been finalized, the control unit 203 of the server 20 outputs payment data for salary payment based on one or more registered salary recipients. Specifically, for example, the payment data output module 2040 outputs payment data for salary payment based on the user's salary information and the salary recipients that have been approved. Specifically, for example, the payment data output module 2040 executes processes such as remittance reservations and remittances to various financial institutions and electronic payment systems to which wages are paid. At this time, the payment data output module 2040 may output the payment data in cooperation with an external labor management system. In addition, the payment data output module 2040 may work in conjunction with an external labor management system to issue pay slips based on the pay recipient, generate different accounting entries depending on the pay recipient, and reflect these in the business's accounting data. This allows corporations that pay salaries to users to easily reflect this in the data managed by their accounting system, even if there are multiple salary allocation destinations.

[0087] <4 Screen example> An example of a screen of the salary payment system 1 will be described below with reference to FIG.

[0088] FIG. 6 is a diagram showing an example of a screen when salary allocation destination candidates in the salary payment system 1 are presented to the user.

[0089] As shown in FIG. 6, on the display 150 of the terminal device 10, there are displayed a distribution destination candidate display section 601, a candidate setting reason display section 602, an approval acceptance button 603, and a correction acceptance button 604. In the allocation destination candidate display section 601, the control section 180 of the terminal device 10 displays candidates for the allocation destination of the user in the salary payment system. Specifically, the control section 180 displays the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037 and presented by the salary allocation destination candidate presentation module 2038 in the allocation destination candidate display section 601. At this time, the allocation destination candidate display section 601 may be displayed in the form of a pie chart, a list, or a combination of these. In one aspect, the control unit 180 of the terminal device 10 may display, in the allocation destination candidate display unit 601, information on the advantages and disadvantages of each of the allocation destination candidates. This allows the user to intuitively understand which account to allocate their salary to.

[0090] The control unit 180 of the terminal device 10 displays the reason for setting each allocation destination candidate in the candidate setting reason display unit 602. Specifically, the control unit 180 refers to information such as the utilization rate and total utilization amount of each account in the salary allocation destination information database 2022, and displays the reason. This allows the user to check the reasons for setting up each account from their own behavioral history.

[0091] When the approval acceptance button 603 is pressed, the control unit 180 of the terminal device 10 accepts an approval operation for the presented salary allocation destination from the user.

[0092] The control unit 180 of the terminal device 10 accepts a user's operation to correct the presented salary allocation destinations by pressing the correction acceptance button 604. At this time, the control unit 180 may accept not only the correction of the ratio, but also an operation to delete some of the allocation destination candidates. This allows the user to delete accounts that they will not use in the future and set allocation destinations that are in line with actual usage.

[0093] <Summary> As described above, according to this embodiment, the terminal device 10 accepts input of salary recipient information from the user. The server 20 calculates the user's salary and sets salary allocation candidates based on the calculated information and the received information. The server 20 presents the salary allocation candidates to the user. The terminal device 10 accepts an operation from the user to approve the salary allocation candidates. The server 20 outputs payment data for salary payment based on the information. This allows the user to more appropriately set the payroll destination.

[0094] Although the disclosed embodiments have been described above, they can be implemented in various other forms and can be implemented with various omissions, substitutions, and modifications. These embodiments and modifications, as well as omissions, substitutions, and modifications, are included in the technical scope of the claims and their equivalents.

[0095] <Additional Notes> The matters described in the above embodiments will be supplemented below.

[0096] (Appendix 1) A program executed by a computer 20 having a processor 29, the program causing the processor 29 to execute the following steps: a step of accepting one or more salary recipients for each employee (S501); a step of calculating the employee's salary (S551); a step of presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on predetermined conditions (S552); a step of accepting from the employee a selection and approval of the presented candidate salary destinations (S502); and a step of outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been finalized in the salary calculation step (S551).

[0097] (Appendix 2) The program further causes the processor 29 to execute the steps of issuing a pay slip based on one or more pay recipients, generating accounting entries that differ depending on the pay recipient, and reflecting the results in the business's accounting data.

[0098] (Appendix 3) The program of claim 1, wherein the one or more payees are at least one selected from the group consisting of a cashable prepaid instrument, an electronic payment instrument, a cryptocurrency, and a financial institution account.

[0099] (Appendix 4) The program described in Appendix 1 or 2, where the specified condition is the availability of the employee's payroll.

[0100] (Appendix 5) A program as described in Appendix 1 or 2, wherein the specified condition is the use of points provided at the employee's payroll office.

[0101] (Appendix 6) A program described in Appendix 1 or 2 where the specified condition is the monthly payment status by the employee's payroll.

[0102] (Appendix 7) A program described in Schedule 1 or 2, where the specified condition is a fee at the employee's payroll office.

[0103] (Appendix 8) The program described in any of Appendices 1 to 6, further comprising causing processor 29 to execute a step of, when a change occurs in at least one of the group consisting of usage status of the payroll recipient used by the employee, usage status of points offered at the payroll recipient, monthly payment status by the payroll recipient, and fees at the payroll recipient, re-presenting one or more possible payroll destinations to the employee based on the changed information.

[0104] (Appendix 9) The program described in any of Appendices 1 to 7, further causing the processor 29 to execute a step of, when a change occurs in the manner in which the salary recipient used by the employee is provided, re-presenting one or more salary recipient options to the employee based on the changed information.

[0105] (Appendix 10) An information processing device 20 having a control unit 203, the control unit 203 executes the following steps: a step (S501) of accepting one or more salary recipients for each employee; a step (S551) of calculating the employee's salary; a step (S552) of presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on predetermined conditions; a step (S502) of accepting selection and approval from the employee of the presented candidate salary destinations; and a step (S553) of outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been confirmed in the salary calculation step (S551).

[0106] (Appendix 11) A method executed by a computer 20 having a processor 29, the method comprising the steps of: a step (S501) of accepting one or more salary recipients for each employee; a step (S551) of calculating the employee's salary; a step (S552) of presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on predetermined conditions; a step (S502) of accepting from the employee a selection and approval of the presented candidate salary destinations; and a step (S553) of outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been finalized in the salary calculation step (S551). [Explanation of symbols]

[0107] 10 terminal device, 20 server, 80 network, 130 operation reception unit, 170 memory unit, 1701 user information, 180 control unit, 1801 input operation reception unit, 1802 transmission / reception unit, 1803 data processing unit, 1804 notification control unit, 22 communication IF, 23 input / output IF, 25 memory, 26 storage, 29 processor, 201 communication unit, 202 memory unit, 2021 user information database, 2022 salary allocation destination information database, 203 control unit, 2031 reception control module, 2032 transmission control module, 2033 user information acquisition module, 2034 salary receipt reception module, 2035 salary receipt registration module, 2036 salary calculation module, 2037 salary allocation destination candidate setting module, 2038 salary allocation destination candidate presentation module, 2039 salary allocation destination approval module, 2040 Payment data output module.

Claims

1. A program executed by a computer having a processor, The program causes the processor to: accepting multiple payee destinations for each employee; calculating a salary for said employee; acquiring at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers, and setting and presenting to the employee one or more salary allocation candidates among the multiple salary receiving destinations that have the highest or second highest usage rate, the highest total usage amount at the salary receiving destination, and / or the highest redemption rate of the points, based on the acquired at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination; receiving a selection and approval from the employee regarding the proposed salary allocation candidates; a step of outputting payment data for salary payment based on the one or more salary recipients selected and approved after the salary details for the current month have been finalized in the salary calculation step.

2. The program further causes the processor to The program according to claim 1 , further comprising the steps of: issuing a pay slip based on the one or more pay recipients, generating accounting entries that differ depending on the pay recipient, and reflecting the accounting data of the business operator.

3. The program according to claim 1 , wherein the one or more payees are at least one selected from the group consisting of cashable prepaid means, electronic payment means, cryptocurrency, and financial institution accounts.

4. The program further causes the processor to A program as described in any one of claims 1 to 3, which, when a change occurs in at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and the fees at the salary receiving destination, executes a step of re-presenting one or more candidate salary allocation destinations to the employee based on the changed information.

5. The program further causes the processor to A program as described in any one of claims 1 to 4, which, when a change occurs in the provision method of the salary recipient used by the employee, executes a step of re-presenting one or more salary allocation destination candidates to the employee based on the changed information.

6. An information processing device including a control unit, The control unit: accepting multiple payee destinations for each employee; calculating a salary for said employee; acquiring at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers, and setting and presenting to the employee one or more salary allocation candidates among the multiple salary receiving destinations that have the highest or second highest usage rate, the highest total usage amount at the salary receiving destination, and / or the highest redemption rate of the points, based on the acquired at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination; receiving a selection and approval from the employee regarding the proposed salary allocation candidates; an information processing device that executes, in the salary calculation step, a step of outputting payment data for salary payment based on the one or more salary recipients for which the selection and approval has been accepted after the salary statement for the current month has been finalized.

7. 1. A method implemented by a computer having a processor, comprising: The method further comprises the processor: accepting multiple payee destinations for each employee; calculating a salary for said employee; acquiring at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers, and setting and presenting to the employee one or more salary allocation candidates among the multiple salary receiving destinations that have the highest or second highest usage rate, the highest total usage amount at the salary receiving destination, and / or the highest redemption rate of the points, based on the acquired at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination; receiving a selection and approval from the employee regarding the proposed salary allocation candidates; A method for calculating the salary, comprising: after the salary statement for the current month is finalized, outputting payment data for salary payment based on the one or more salary recipients selected and approved by the user.

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