PROGRAM, SERVER, USER TERMINAL, INFORMATION PROCESSING SYSTEM AND INFORMATION PROCESSING METHOD

Abstract

To provide a program, a server, a user terminal, an information processing system, and an information processing method that provide a technique to respond to exceeding a limit of amount set for an account for salary, which is an account to be used for receiving electronic payment of salary, and to prevent adverse effect on transferring salary.SOLUTION: A server (2) includes: an excess determination unit 221 which determines whether the balance in an account for salary exceeds an upper limit due to transfer of salary to the account for salary, which is an account used for receiving electronic payment of salary; a display information generation unit (222) which generates, when the excess is determined, display information for displaying a notification about transferring the amount that can resolve the excess state to a preset alternative account, to a user terminal (3) of a user of the account for salary for managing the account for salary; and a transfer execution unit (223) which executes, after the salary is transferred, when the excess state satisfies a transfer condition, processing to transfer the amount that can resolve the excess state to the alternative account.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a program, a server, a user terminal, an information processing system, and an information processing method. [Background technology]

[0002] As cashless payments become more widespread and remittance services become more diverse, the introduction of so-called "digital salary payments" is progressing. Digital salary payments allow salary recipients, such as employees (hereinafter referred to as "salary recipients"), to designate their employers' salary payers (hereinafter referred to as "salary payers") to transfer all or part of their salary to the salary recipient's account provided by a funds transfer service provider. Hereinafter, an account provided by a Funds Transfer Service Provider (hereinafter referred to as a "Funds Transfer Account"), which is designated by a salary recipient and used for digital salary payments, will be referred to as a "Salary Account." A salary recipient who uses digital salary payments will also be referred to as a "User." Note that, more accurately, "digital salary payments" are digital payments of "wages," but here "salary" will be treated as synonymous with "wages."

[0003] Incidentally, Patent Document 1 describes a salary advance payment system that enables a user (salary recipient) whose salary is transferred to an account at a financial institution to raise funds by prepaying his / her salary. This salary advance payment system determines that salary transfers have been made to the user's account for a specified period, and upon receiving a salary advance payment request from the user, transfers a first amount to the user's account as a salary advance payment. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent No. 6870126 Summary of the Invention [Problem to be solved by the invention]

[0005] An upper limit may be set for the balance of a salary account. The upper limit is set, for example, based on laws and regulations. In order to prevent a deposit into a salary account from causing the balance to exceed the upper limit, it is possible to disallow a deposit request for an amount that would cause the balance to exceed the upper limit. However, in that case, deposits by salary transfer may also be disallowed, which is undesirable because it could lead to a situation where the salary payer is unable to pay the salary.

[0006] Conventionally, there has been a problem with regard to a salary account used for digital salary payment, in that there is no technology provided to deal with exceeding the upper limit set for the salary account and to prevent any disruption to salary transfer. For example, the technology described in Patent Document 1 does not take the above problem into consideration and does not provide a solution to the problem.

[0007] The present invention is intended to solve the above-mentioned problems, and aims to provide a program, a server, a user terminal, an information processing system, and an information processing method that provide technology for dealing with exceeding the upper limit set for a salary account used for digital salary payment, and for preventing any disruption to salary transfers. [Means for solving the problem]

[0008] The program of the present invention causes a computer executing the program to function as a server that includes an excess determination unit that determines whether the balance of a salary account, which is an account used for digital salary payment, exceeds an upper limit when a salary is transferred to the salary account, and a display information generation unit that, if it is determined that the upper limit is exceeded, generates display information to display a notification on a user terminal used by the user of the salary account to manage the salary account that a transfer of an amount sufficient to eliminate the upper limit exceeding condition will be made to a predetermined alternative account; and a transfer execution unit that, after the salary transfer is made, if the upper limit exceeding condition satisfies the transfer conditions, executes a transfer process of an amount sufficient to eliminate the upper limit exceeding condition to the alternative account. Effect of the Invention

[0009] According to the program of the present invention, a computer executing the program determines whether the balance of a salary account, which is an account used for digital salary payment, exceeds an upper limit when a salary is transferred to the salary account, and if it is determined that the upper limit is exceeded, generates display information for displaying a notification on a user terminal used by the user of the salary account to manage the salary account that a transfer of an amount sufficient to eliminate the upper limit exceeding condition will be made to a predetermined alternative account, and after the salary transfer is made, if the upper limit exceeding condition satisfies the transfer conditions, executes a transfer process of an amount sufficient to eliminate the upper limit exceeding condition to the alternative account. As a result, the program of the present invention can provide technology that can deal with exceeding the upper limit set for a salary account used for digital salary payments, while preventing any disruption to salary transfers. [Brief description of the drawings]

[0010] [Figure 1] 1 is a diagram showing a configuration of an information processing system according to a first embodiment. [Diagram 2] FIG. 2 is a block diagram showing a configuration of a server according to the first embodiment. [Diagram 3] FIG. 2 is a block diagram showing a configuration of a user terminal according to the first embodiment. [Figure 4] 13A and 13B are diagrams showing examples of a transfer notice screen and a transfer operation screen to an alternative account. [Diagram 5] FIG. 2 is a block diagram showing a hardware configuration for implementing the functions of a server or a user terminal. [Figure 6] 4 is a flowchart showing an information processing method according to the first embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0011] Embodiment 1 (Information Processing System) Fig. 1 is a diagram showing a configuration of an information processing system 1 according to a first embodiment. In Fig. 1, the information processing system 1 is a system in which a server 2, a user terminal 3, and a store terminal 4 are connected via a network 5. An existing electric communication line can be used as the network 5. The network 5 is, for example, the Internet. The server 2, the user terminal 3, and the store terminal 4 are capable of communicating with each other via the network 5. The information processing system 1 provides a digital salary payment service to user A and a salary payer, such as the company where user A works.

[0012] The salary account used for digital salary payment is a funds transfer account and is also an account designated by a salary recipient such as User A as the account into which the salary is to be deposited. User A, who wishes to receive a digital salary payment service, first completes a prescribed account opening procedure with a funds transfer service provider and opens a funds transfer account with User A's name, etc., as the account holder. The opened funds transfer account is, for example, assigned a unique ID. User A then specifies the ID of the opened funds transfer account to the salary payer, such as the company where User A works, and performs a payroll account designation procedure to specify that funds transfer account as a salary account and to designate that all or part of the salary amount be transferred to that salary account.

[0013] In addition, if the funds transfer service provider is also an issuer of prepaid payment instruments such as prepaid cards, the salary account used for digital salary payment may be the prepaid card account itself that was opened in advance by user A, or it may be one of the pockets (described below) provided within the prepaid card, or it may be another funds transfer account linked to the prepaid card account. In addition, a prepaid card account that can be designated as a salary account also serves as a funds transfer account.

[0014] The server 2 determines whether the balance of the salary account exceeds the upper limit when the salary is transferred to the salary account, and if it is determined that the upper limit is exceeded, it generates display information (hereinafter also referred to as "transfer notice display information") for displaying a notification (hereinafter referred to as "transfer notice") on the user terminal 3 used by user A to manage the salary account that a transfer of an amount sufficient to eliminate the upper limit being exceeded to a pre-set alternative account (hereinafter referred to as "excess transfer") will be made, and after the salary transfer is made, if the upper limit being exceeded satisfies the transfer conditions, it executes a transfer process for an amount sufficient to eliminate the upper limit being exceeded to the alternative account.

[0015] Server 2 is typically managed or used by a money transfer service provider, and manages one or more money transfer accounts opened through an account opening procedure carried out by a user, such as User A, and also manages one or more payroll accounts among those money transfer accounts which are designated by User A, etc. and used for digital salary payments.

[0016] Furthermore, the storage unit 23 (described later) of the server 2 stores information indicating the alternative account and information indicating the transfer conditions (hereinafter referred to as "transfer condition information"). An alternative account is designated in advance for each salary account. The alternative account is designated by user A or the salary payer, such as the company where user A works, at the same time as the salary account is designated. The alternative account is usually a savings account under the same name as the salary account. The alternative account may be an account other than a savings account. When the funds transfer service provider obtains information about the alternative account to be linked to the salary account from user A or the like, it stores the ID of the alternative account (hereinafter referred to as the "alternative account ID") in memory unit 23, linking it with the ID of the salary account (hereinafter referred to as the "salary account ID") as information indicating the alternative account.

[0017] The transfer conditions, for example, stipulate the timing after a salary transfer when the salary account exceeds the upper limit and a transfer is made when the upper limit is exceeded. The transfer conditions are determined by the funds transfer service provider. The funds transfer service provider stores the determined transfer conditions in the memory unit 23. The transfer conditions may be common to all salary accounts managed by a certain funds transfer service provider through the server 2, or may be determined for each salary account. In the following, it is assumed that the transfer conditions are common to all salary accounts.

[0018] The management of fund transfer accounts, including salary accounts, performed by the server 2 may include the opening of fund transfer accounts, deposit or remittance processing performed for fund transfer accounts, or management of balances associated with such deposit or remittance processing. Note that remittance processing may include transfer processing and money transfer processing.

[0019] Furthermore, when the server 2 is managed or used by a funds transferor that is also a prepaid payment instrument issuer, the server 2 may manage a prepaid card account. The server 2 may be physically configured as one server, or may be configured as multiple servers. The server 2 will be described in detail later.

[0020] The user terminal 3 is a terminal device for a user of a salary account, such as User A, to manage his / her own salary account. The user terminal 3 is a terminal device capable of communicating with the server 2 via the network 5, and is, for example, a smartphone, a tablet terminal, or a PC (Personal Computer). In the following, it is assumed that the user terminal 3 is a smartphone. The user terminal 3 accesses the server 2, for example, by accessing an API (Application Programming Interface) provided by the server 2.

[0021] When the user terminal 3 acquires the transfer advance notice display information from the server 2, it displays a transfer advance notice on the display unit 35 (described later) based on the acquired transfer advance notice display information. Furthermore, in response to an operation from user A, the user terminal 3 can transmit to the server 2, etc., information instructing a deposit into the salary account or information instructing a transfer from the salary account to another account, etc. When the server 2 receives these instructions from the user terminal 3, it performs a deposit process or a transfer process. User A can manage his own salary account managed by the server 2 by using such functions of the user terminal 3. The user terminal 3 will be described in detail later.

[0022] The store terminal 4 is a terminal device installed in a store of an affiliated store that allows payment using a payment means (hereinafter simply referred to as "payment means") associated with a salary account. For example, the server 2 has a function of managing the payment of commercial transactions using a payment means. When user A makes a payment for a commercial transaction using a payment means at a store, the store terminal 4 reads information about the payment means and transmits payment request information to the server 2 via the network 5. The payment request information includes the payment amount, identification information of the affiliated store where the payment was made, and information about the payment means.

[0023] The payment method is, for example, a payment method using a smartphone, including a prepaid card issued as a virtual card, or a prepaid card issued as a physical card. The information on the payment method is information that can identify the payment method linked to at least one salary account (for example, if the payment method is a prepaid card, the card number unique to the prepaid card). Hereinafter, information that can identify a payment method will be referred to as a “payment method ID.” In addition, it will be assumed that the storage unit 23 of the server 2 stores the payment method ID in association with the salary account ID.

[0024] When the server 2 receives the payment request information sent from the store terminal 4, the server 2 identifies the salary account linked to the payment method ID included in the payment request information. Next, the server 2 performs a process to pay the payment amount included in the payment request information to the affiliated store from the balance of the identified salary account. At that time, the server 2 stores, for example, the date and time when the server 2 performed the payment process to the affiliated store, and calculates the balance of the salary account after the payment process and stores it together with the date and time. The server 2 may also send information indicating that the payment process has been completed to the user terminal 3.

[0025] When the store terminal 4 transmits the payment request information to the server 2 via the network 5, the payment request information may be transmitted via one or more other servers (not shown in FIG. 1) other than the server 2. The other servers are, for example, servers provided by credit card companies.

[0026] Furthermore, the commercial transactions using the payment means have been described so far as being conducted in a brick-and-mortar store, but they may also be conducted by operating the user terminal 3 with a store on the Internet.

[0027] (Server details) Fig. 2 is a block diagram showing the configuration of the server 2. As shown in Fig. 2, the server 2 includes a communication unit 21, a calculation unit 22, and a storage unit 23. The communication unit 21 communicates with the user terminal 3 and the store terminal 4 via a network 5 (network 5 is not shown in Fig. 2). The communication unit 21 is capable of communicating via a network 5 with a user terminal 3 or a store terminal 4, which has a communication unit that is a communication device capable of mobile communication using a communication method such as LTE, 3G, 4G, or 5G.

[0028] The calculation unit 22 controls the overall operation of the server 2. The calculation unit 22 has the functions of an excess determination unit 221, a display information generation unit 222, a transfer execution unit 223, a deposit management unit 224, an account setting processing unit 225, a settlement request information acquisition unit 226, and a settlement processing unit 227. By the calculation unit 22 executing the excess handling application, the calculation unit 22 realizes the functions of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, the settlement request information acquisition unit 226, and the settlement processing unit 227.

[0029] The storage unit 23 is a storage device provided in a computer functioning as the server 2, and includes storage such as a hard disk drive (HDD) or a solid state drive (SSD), or a memory 103 in FIG. 5, which will be described later. The storage unit 23 may be provided outside the server 2 as long as the server 2 can access it.

[0030] The storage unit 23 stores an excess handling application and stores data used in the calculation process of the calculation unit 22. In addition to storing, for example, for each of one or more salary accounts managed by the server 2, information identifying user A, such as user A's name or user ID, the salary account ID of user A's salary account, an alternative account ID, the salary account balance, and a payment method ID in association with each other, information common to one or more salary accounts, such as information indicating the upper limit of the salary account balance (hereinafter referred to as "upper limit information") and transfer condition information, and information indicating the amount of a fee (hereinafter referred to as "fee information") when a fee is charged for an excess transfer, is also stored. In addition, when the server 2 executes an account management application to provide the user terminal 3 with management functions for salary accounts, etc., through the network 5 in the form of a so-called SaaS (Software as a Service), the account management application is also stored in the memory unit 23.

[0031] (Excess Judgment Department) The excess determination unit 221 determines whether or not the balance of a salary account, which is an account used for digital salary payment, exceeds the upper limit when a salary is transferred to the salary account (hereinafter referred to as "excess determination"). The excess determination unit 221 determines whether or not there is an excess after the salary is transferred to the salary account. When the server 2 transfers the salary to a salary account that it manages, it outputs information indicating that the salary transfer has been made (hereinafter referred to as "salary transfer information") to the excess determination unit 221. The salary transfer information includes the salary account ID of the salary account to which the salary transfer was made, the salary transfer amount, the date and time of the salary transfer, etc.

[0032] When the excess determination unit 221 acquires the salary transfer information, it performs an excess determination. In determining whether or not there is an excess, the excess determination unit 221 acquires, from the memory unit 23, upper limit information and the balance linked to the salary account ID included in the salary transfer information. The excess determination unit 221 adds the acquired balance and the salary transfer amount included in the salary transfer information, and compares the total amount with the upper limit indicated by the upper limit information. If the comparison result shows that the total amount is equal to or less than the upper limit, the excess determination unit 221 determines that the upper limit is not exceeded. On the other hand, if the comparison result shows that the total amount is greater than the upper limit, the excess determination unit 221 determines that the upper limit is exceeded.

[0033] The excess determination unit 221 may determine whether or not there is an excess after the salary is transferred to the salary account, and may also determine whether or not there is an excess before the salary is transferred to the salary account. For example, the server 2 stores information on past salary transfers to a salary account (hereinafter referred to as "actual salary information") in the storage unit 23. The actual salary information includes the salary account ID, the date and time of salary transfer, the amount of salary transfer, etc. For example, when a salary is transferred to a salary account, the server 2 obtains actual salary information for the past few months linked to the salary account ID of that salary account from the memory unit 23, calculates the average salary transfer amount including the current salary transfer amount (hereinafter referred to as the "average salary transfer amount"), links it to the salary account ID and stores it in the memory unit 23. At that time, the server 2 also calculates the date and time of the next salary transfer predicted from the dates and times of past salary transfers (hereinafter referred to as the "predicted transfer date and time"), and stores it in the memory unit 23 linked to the salary account ID.

[0034] Incidentally, the number of months mentioned above is set to, for example, three months. This number of months is preset by the funds transfer service provider as a common number for all salary accounts and stored in the storage unit 23. If the past salary actual information stored in the storage unit 23 does not reach the set number of months, the server 2 calculates the average salary transfer amount based only on the available number of months. In addition, if user A has set a salary transfer amount for a salary account in advance and information on the set salary transfer amount is available, server 2 may store the set salary transfer amount in memory unit 23 as an average salary transfer amount.

[0035] The excess determination unit 221 acquires the average salary transfer amount, the current balance, and the upper limit information stored in association with the salary account ID from the storage unit 23 when the date indicated by the predicted transfer date and time is a predetermined number of days prior to the date indicated by the predicted transfer date and time for each of one or more salary accounts managed by the server 2. The excess determination unit 221 uses the acquired average salary transfer amount as the amount predicted at the time of the next salary transfer (hereinafter referred to as the "predicted salary transfer amount"). The excess determination unit 221 adds the acquired balance and the average salary transfer amount as the predicted salary transfer amount, and compares the total amount with the upper limit indicated by the upper limit information. If the total amount is equal to or less than the upper limit as a result of the comparison, the excess determination unit 221 determines that the upper limit is not exceeded. On the other hand, if the total amount is greater than the upper limit as a result of the comparison, the excess determination unit 221 determines that the upper limit is exceeded.

[0036] The above-mentioned "predetermined number of days" may be, for example, one specific number of days, such as three days, or may be multiple numbers of days, such as seven days, two days, etc. This predetermined number of days is, for example, preset by the funds transfer service provider in common to all salary accounts and stored in the storage unit 23.

[0037] The salary actual information stored in the storage unit 23 may include information identifying the place of employment of the user A, such as the name of the payer, such as the company that transferred the salary. There may be cases where the user A works for a plurality of companies, the user A commonly designates one salary account for receiving salary from those companies, and the salary payment dates differ from one another for each company. Even in such a case, if the salary actual information includes information identifying the place of employment, the server 2 can link the average salary transfer amount and the predicted transfer date and time for each company by linking them with the salary account ID of the user A's salary account, and store them in the storage unit 23. Then, the excess determination unit 221 can determine whether or not there is an excess at a timing based on the predicted transfer date for each company.

[0038] Also, for example, the server 2 may acquire information on the next scheduled salary transfer date and the scheduled salary transfer amount from a salary payment system (not shown) or a bank system (not shown) used by the employer of the user A through API linkage, etc. The server 2 uses the scheduled salary transfer amount indicated by the acquired information as the predicted salary transfer amount. The number of days before the actual salary transfer that information on the scheduled salary transfer date and the scheduled salary transfer amount can be obtained from these systems may vary depending on the system or the place of employment. For example, the server 2 stores in the storage unit 23 information that identifies the system (e.g., the system ID) by linking it with the salary account ID, as well as information regarding the number of days before the actual salary transfer that information on the scheduled salary transfer date and the scheduled salary transfer amount can be obtained. When the date arrives when information such as the scheduled salary transfer amount can be obtained, the server 2 accesses the above systems and obtains information such as the scheduled salary transfer amount.

[0039] Server 2 may acquire information such as the planned salary transfer amount from the above-mentioned salary payment system or the like, instead of or in addition to using the actual salary information. While the server 2 can make predictions using the actual salary information at any time, it is expected that the timing when the server 2 can obtain information such as the scheduled salary transfer amount from the salary payment system or the like will be close to the actual salary payment date (for example, 2 to 3 days before the salary payment date). When the server 2 obtains information such as the scheduled salary transfer amount from the above-mentioned salary payment system or the like in addition to using the actual salary information, the server 2 makes predictions using the actual salary information until the date when the scheduled salary transfer amount can be obtained from the salary payment system or the like, and when the date when it is determined that information such as the scheduled amount can be obtained based on the predicted payment date arrives, the server 2 accesses the above-mentioned system to obtain information such as the scheduled amount, thereby obtaining a more reliable predicted salary transfer amount.

[0040] Here, the salary account is designated as such by User A when he or she carries out the salary account designation procedure with the salary payer, and unlike other funds transfer accounts, transfer setting information can be linked to the account. However, since the salary account also functions as a normal funds transfer account, funds other than salary may be deposited into the salary account. Since it is difficult to predict when funds other than salary will be deposited, the server 2 does not predict the date and time of deposit of funds other than salary. On the other hand, as mentioned above, salary transfers are generally made periodically, so server 2 calculates the next predicted transfer date and time and the predicted salary transfer amount. However, when funds other than salary are deposited into the salary account, server 2 needs to determine whether the deposit into the salary account is a salary transfer.

[0041] In addition, since the server 2 is equipped with the deposit management unit 224 described below, if only salary transfers are always made to the salary account, the server 2 does not need to determine whether a deposit to the salary account is a salary transfer or not.

[0042] For example, server 2 may determine whether a deposit into a salary account is a salary transfer based on information identifying the workplace of user A of the salary account that was registered when the salary account was set up (hereinafter referred to as "Determination Example 1"). Methods by which User A's employer transfers salary to User A's salary account include, for example, depositing the salary from a bank account held by the company (hereinafter referred to as the "corporate bank account") to the salary account, or the company opening a money transfer account (hereinafter referred to as the "corporate money transfer account") provided by the same money transfer service provider that provides the salary account, and transferring money from the corporate money transfer account to the salary account.

[0043] Regardless of the method, for example, when server 2 is linked to a bank system that manages corporate bank accounts, or when a company opens a corporate fund transfer account, information identifying user A's place of employment, including the name of the company, can be automatically obtained by server 2, or can be obtained by the fund transfer service provider that manages or uses server 2. The acquired information specifying the employer is linked to the salary account ID and stored in memory unit 23. If the person who made a deposit into a salary account having a certain salary account ID corresponds to the information specifying the employer stored in memory unit 23 in linkage with that salary account ID, server 2 determines that the deposit is a salary transfer. In addition, if user A works for multiple companies, the memory unit 23 may store information that identifies multiple workplaces for each of the multiple companies, etc., linked to a single salary account ID.

[0044] The server 2 may determine whether a deposit into a salary account is a salary transfer based on category information registered by user A of the salary account when a salary was previously transferred into the salary account (hereinafter referred to as "Determination Example 2"). The category information is information that is assigned, for example, by user A operating the user terminal 3 for each deposit process or remittance process performed into the salary account. As part of managing a salary account using the user terminal 3, user A can retrieve and display the history of past deposit and remittance processes performed on the salary account from the memory unit 23 of the server 2. When user terminal 3 receives an operation from user A to display the history, it accesses the server 2 and transmits a history retrieval request. The history retrieval request includes at least the salary account ID. The history retrieval request may also include information indicating the period for which history is to be retrieved (e.g., the past month, etc.) specified by user A.

[0045] When the user terminal 3 obtains the history from the server 2, it displays the history, for example in list format, and for each deposit transaction in the list, it displays the date and time of the deposit transaction, the name of the person who made the deposit, and the amount deposited, and for each remittance transaction, it displays the date and time of the remittance transaction, the name of the remittance recipient, and the amount remitted.

[0046] Additionally, the user terminal 3 displays a pull-down menu that allows category selection or a field that allows category input, along with each deposit transaction history and each remittance transaction history in the list. User A can input category information using the pull-down menu or field. For example, selectable categories include at least a category indicating "salary." User A may assign categories to only some of the history, or to all of the history.

[0047] When user A performs an operation to assign a category and an operation to confirm the assigned category, user terminal 3 accesses server 2 and transmits category information indicating the category assigned to each history, linking it to the history of each deposit transaction and the history of each remittance transaction. When the server 2 acquires category information from the user terminal 3, it stores in the memory unit 23 the category information indicating the category assigned to each history, and for deposit transactions to which at least the category indicating "salary" has been assigned, it stores in the memory unit 23 the name of the person who made the deposit in association with the salary account ID. In addition, if there are multiple companies etc. as the workplaces of user A, the storage unit 23 may store the names of the multiple companies etc. in association with one salary account ID.

[0048] When the person who made the deposit into a salary account having a certain salary account ID is the person corresponding to the name stored in memory unit 23 in association with that salary account ID, server 2 determines that the deposit is a salary transfer.

[0049] The server 2 may determine whether or not the deposit is a salary transfer by using both judgment example 1 and judgment example 2. As a judgment method using both judgment example 1 and judgment example 2, there is a method of determining that the deposit is a salary transfer if the judgment result based on either judgment example indicates that the deposit is a salary transfer, or a method of determining that the deposit is a salary transfer only if the judgment result based on both judgment examples indicates that the deposit is a salary transfer.

[0050] The server 2 may determine whether the deposit request is for a salary transfer or not by using the deposit amount or date and time included in the history and the deposit amount or date and time indicated in the deposit request. In addition, when server 2 obtains information instructing a salary transfer (hereinafter referred to as "salary transfer instruction information") from the bank system, server 2 may determine whether the deposit is a salary transfer based on summary information included in the salary transfer instruction information. In addition, server 2 may perform both a judgment using judgment example 1 or judgment example 2 and a judgment using summary information, and if either judgment determines that it is a salary transfer, it may ultimately determine that it is a salary transfer, or it may ultimately determine that it is a salary transfer only if both judgments determine that it is a salary transfer. Furthermore, if a company or the like has a corporate fund transfer account for salary transfers, the server 2 may determine that a deposit made in response to a deposit request from that corporate fund transfer account is a salary transfer.

[0051] As shown in Judgment Example 1 or Judgment Example 2, even when funds other than a salary are deposited into a salary account, the server 2 can judge whether or not the deposit is a salary transfer. If the server 2 judges that the deposit is a salary transfer, it outputs the salary transfer information to the excess judgment unit 221 as described above, and can also calculate the average salary transfer amount, etc., and the excess judgment unit 221 can judge whether or not there is an excess.

[0052] The overage determination unit 221 outputs the determination result of the overage presence / absence determination to the display information generation unit 222. The overage determination unit 221 may output the determination result of the overage presence / absence determination to the display information generation unit 222 regardless of the determination result of the overage presence / absence determination, or may output the determination result of the overage presence / absence determination to the display information generation unit 222 only when it is determined that the upper limit amount has been exceeded. When the excess determination unit 221 outputs the result of the excess determination to the display information generation unit 222, it outputs to the display information generation unit 222, for example, the salary account ID, the date and time when the salary transfer caused the upper limit to be exceeded or the date and time when the salary transfer is predicted to cause the upper limit to be exceeded, the salary transfer amount or predicted salary transfer amount, the balance or predicted balance after the salary transfer, and the amount of the balance or predicted balance that exceeds the upper limit.

[0053] For example, when it is stated that "excess determination unit 221 outputs certain information to display information generation unit 222," this also includes the excess determination unit 221 causing display information generation unit 222 to acquire the information via storage unit 23. Hereinafter, the expression "output" is used as an expression having a similar meaning.

[0054] (Display information generation section) When it is determined that the upper limit has been exceeded, the display information generation unit 222 generates display information (transfer advance notice display information) for displaying a notice (transfer advance notice) on the user terminal 3 used by user A of the salary account to manage the salary account, informing him that a transfer of an amount sufficient to resolve the upper limit exceeding condition will be made to a pre-set alternative account. The display information generating unit 222 acquires the result of the judgment on the excess / non-excess judgment from the excess judging unit 221, and generates transfer advance notice display information if the acquired judgment result indicates that the upper limit has been exceeded.

[0055] For example, if the excess determination unit 221 determines whether or not there is an excess after a salary transfer to a salary account, the transfer advance notice will include the date and time when the salary transfer caused the upper limit to be exceeded, the salary transfer amount, the balance after the salary transfer, the amount of the balance that exceeds the upper limit, the transfer process of the amount capable of eliminating the upper limit exceedance state to the alternative account, that is, the date and time when the excess transfer is scheduled to be executed, and the amount to be transferred to the alternative account by the excess transfer. In addition, if there is a fee to be paid by user A for the excess transfer, the transfer advance notice may also include the amount of the fee.

[0056] Also, for example, if the excess determination unit 221 determines whether or not there is an excess before transferring the salary to the salary account, the transfer advance notice will include the date and time when the salary transfer is predicted to cause the upper limit to be exceeded, the predicted salary transfer amount, the predicted balance after the salary transfer, the amount of the predicted balance that exceeds the upper limit, the transfer process of the amount capable of eliminating the upper limit exceedance state to the alternative account, that is, the date and time when the excess transfer is scheduled to be executed, and the amount to be transferred to the alternative account by the excess transfer. Also, if there is a fee to be paid by user A for the excess transfer, the amount of the fee may also be included in the transfer advance notice.

[0057] In an overdraft transfer, the amount to be transferred to the substitute account is the amount that can eliminate the excess of the upper limit or the amount that is predicted to eliminate the excess of the upper limit (hereinafter, both are collectively referred to as the "resolvable amount"). The method of calculating the resolvable amount is determined, for example, by the funds transfer service provider, and information indicating the calculation method is stored in advance in storage unit 23.

[0058] The resolvable amount is, for example, the amount that exceeds the upper limit among the balance that is over the upper limit or the balance that is predicted to be over the upper limit (hereinafter, both are collectively referred to as the "balance over the upper limit"). In this case, the method for calculating the resolvable amount is to subtract the upper limit from the balance that is over the upper limit. For example, if the upper limit is 1 million yen and the balance that is over the upper limit is 1.05 million yen, then 50,000 yen, calculated by subtracting 1 million yen from 1.05 million yen, is calculated as the resolvable amount.

[0059] Also, the resolvable amount is, for example, the amount obtained by adding a specified amount to the amount of the balance that is over the upper limit that exceeds the upper limit. In this case, the method of calculating the resolvable amount is to subtract the upper limit from the balance that is over the upper limit and add a specified amount to the result of the subtraction. If the upper limit is 1 million yen, the balance that is over the upper limit is 1.05 million yen, and the specified amount is 30,000 yen, then the resolvable amount is calculated as 80,000 yen, which is the result of subtracting 1 million yen from 1.05 million yen (50,000 yen) and adding 30,000 yen.

[0060] The display information generation unit 222 acquires the result of the excess determination from the excess determination unit 221, and if the acquired determination result indicates that the upper limit amount is exceeded, it acquires the calculation method of the resolvable amount and the upper limit amount information from the storage unit 23, and acquires the balance of the salary account based on the salary account ID acquired together with the above-mentioned determination result from the excess determination unit 221. The display information generation unit 222 calculates the resolvable amount based on this acquired information.

[0061] When the display information generating unit 222 calculates the resolvable amount, it generates transfer advance notice display information based on the calculated resolvable amount and various information acquired from the excess determination unit 221. The display information generating unit 222 can calculate the date and time of the planned execution of the excess transfer, which is included in the transfer advance notice, based on the date and time when the salary transfer exceeded the upper limit amount, or the date and time when the salary transfer is predicted to exceed the upper limit amount, acquired from the excess determination unit 221, and the transfer condition information acquired from the storage unit 23. The display information generating unit 222 can acquire fee information indicating the fee, which is included in the transfer advance notice, from the storage unit 23.

[0062] When the display information generating unit 222 generates the transfer advance notice display information, it transmits the generated transfer advance notice display information to the user terminal 3 of user A linked to the salary account ID via the communication unit 21. The transfer advance notice display information can be transmitted to the user terminal 3 by using an account management application. Furthermore, if user A has registered his / her own email address or the like as a notification destination in the server 2, the display information generating unit 222 may transmit the transfer advance notice display information to that email address or the like.

[0063] When the user terminal 3 acquires the transfer notice display information from the display information generation unit 222, it displays the transfer notice on the display unit 35 based on the acquired transfer notice display information. By visually checking the displayed transfer advance notice, a user who recognizes the possibility of an overpayment transfer can avoid the overpayment transfer by, if necessary, withdrawing money from his or her salary account so that the balance does not exceed the upper limit.

[0064] (Transfer Execution Department) If the state of exceeding the upper limit satisfies the transfer condition after the salary transfer is made, the transfer execution unit 223 executes a transfer process of an amount capable of eliminating the state of exceeding the upper limit (elimination possible amount) to the alternative account. When a salary transfer is made to a salary account managed by the server 2, as described above, the server 2 outputs the salary transfer information to the excess determination unit 221 and also outputs the salary transfer information to the transfer execution unit 223. Upon acquiring the salary transfer information, the transfer execution unit 223 acquires transfer condition information from the storage unit 23. Upon acquiring the transfer condition information, the transfer execution unit 223 checks the balance of the salary account indicated by the salary account ID included in the salary transfer information, at a timing according to the transfer conditions indicated in the acquired transfer condition information.

[0065] If the transfer execution unit 223 checks the balance of the salary account at the above-mentioned timing and determines that the upper limit exceeding condition has not been resolved, in other words, if the upper limit exceeding condition satisfies the transfer conditions, it executes a transfer process of the amount that can be resolved, that is, a transfer at the time of excess. When executing an overdraft transfer, the transfer execution unit 223 acquires the calculation method and upper limit amount information of the resolvable amount from the memory unit 23, and calculates the resolvable amount based on the acquired information and the confirmed balance. The transfer execution unit 223 also acquires the alternative account ID linked to the salary account ID from the memory unit 23, subtracts the resolvable amount from the balance of the salary account indicated by the salary account ID, and issues an instruction to transfer the resolvable amount to the alternative account indicated by the acquired alternative account ID.

[0066] When fee information is stored in the memory unit 23, the transfer execution unit 223 acquires the fee information and, for example, subtracts the resolvable amount from the balance of the salary account and also subtracts the amount of fee indicated by the fee information. Note that when the fee is borne by the funds transfer service provider, even when the fee information is acquired, the amount of fee is not subtracted from the balance of the salary account. After executing the excess transfer, the transfer execution unit 223 may generate display information for displaying a notification on the user terminal 3 that the excess transfer has been executed, and transmit the generated display information to the user terminal 3 via the communication unit 21.

[0067] The transfer execution unit 223 may be configured to start the transfer process when a deposit is made to the salary account only within a certain period after the transfer process (after the overage transfer). When a deposit into a salary account causes the balance to exceed the upper limit, it is assumed that, for example, a request is made to execute the above-mentioned overdraft transfer on the same day. Based on this assumption, let us assume that when a salary transfer at around 10:00 a.m. on a certain day causes the balance of the salary account to exceed the upper limit, user A who received the transfer advance notice does not take any action, and an overdraft transfer is executed at 10:00 p.m. according to the transfer conditions, but then another salary transfer is made after 11:00 p.m., causing the balance to exceed the upper limit. Even in such a situation (hereinafter referred to as a "re-overdraft situation on the day of the overdraft transfer"), it is conceivable to send another transfer advance notice to user terminal 3, but according to the above request, an overdraft transfer needs to be executed in a short time of just under one hour, and it is unlikely that user A who received the transfer advance notice will be able to act by then.

[0068] Therefore, in a situation where the upper limit is exceeded again on the same day as the above-mentioned excess transfer, if a deposit is made to the salary account only during a certain period (for example, on the same day) when the excess transfer was made, the deposit will be used as a trigger to determine whether the upper limit has been exceeded, and if the upper limit has been exceeded, the transfer execution unit 223 can comply with the request to execute an excess transfer on the same day that the upper limit was exceeded, regardless of whether a transfer advance notice is given or not (a transfer advance notice may or may not be given in such cases). In this case, the transfer condition indicates that the time when a deposit is made to the salary account within the above-mentioned certain period is the timing for determining whether the upper limit has been exceeded.

[0069] In addition, the transfer execution unit 223 may execute a transfer of an amount to an alternative account that can eliminate the excess of the upper limit when the transfer condition is met that the balance of the salary account is over the upper limit at a preset time. If a deposit into a salary account causes the balance to exceed the upper limit, it is expected that the above-mentioned excess transfer will be requested to be made within 24 hours of the upper limit being exceeded.

[0070] For example, under such an assumption, when the transfer condition is met that the balance of the salary account is over the upper limit at a preset time on a day, the transfer execution unit 223 may execute a transfer to the alternative account of an amount sufficient to eliminate the over-limit state. The preset one time of the day is set, for example, at 10 pm This one time of the day may be set to another time. In this case, an overdraft transfer can be made once every 24 hours, so the requirement to make an overdraft transfer within 24 hours of the upper limit being exceeded can be complied with.

[0071] Also, for example, under the same assumption, when the transfer condition is met that the balance of the salary account is over the upper limit at multiple pre-set times in a day, the transfer execution unit 223 may execute a transfer of an amount to the alternative account that can eliminate the state of exceeding the upper limit. The multiple times set in advance for one day are set, for example, to 12:00 a.m. and 8:00 p.m. The multiple times may be two times, or three or more times. In addition, any time may be set as the multiple times. In this case, multiple overdraft transfers may be made within a 24-hour period, which makes it possible to more reliably comply with the requirement that overdraft transfers be made within 24 hours of the upper limit being exceeded.

[0072] Also, for example, under the same assumption, the transfer execution unit 223 may execute a transfer of an amount to an alternative account that can eliminate the state of exceeding the upper limit when the transfer condition is met that the state of exceeding the upper limit continues for a preset time after the salary transfer is made. The preset time is set to, for example, 22 hours. The preset time may be any time that is less than the time based on the request (24 hours in the above assumption). If the preset time is less than the time based on the request, the request can be complied with because even if the upper limit exceeding state continues for the longest period of time, it will always be less than the preset time. It is better not to set the preset time too short, because the shorter the preset time, the more frequently the upper limit will be checked, which will waste the resources of the server 2.

[0073] (Deposit Management Department) The deposit management unit 224 permits deposit of salary to the salary account by direct deposit and prohibits deposit of any other method than direct deposit of salary to the salary account. As described above, for example, when a bank system that manages corporate bank accounts is linked to server 2, or when a company or the like opens a corporate fund transfer account, information identifying User A's place of employment, including the name of the place of employment, can be automatically acquired by server 2, or can be acquired by the funds transfer service provider that manages or uses server 2. The acquired information identifying the place of employment is then stored in memory unit 23 in association with the salary account ID. In addition, if user A works for multiple companies, the memory unit 23 may store information that identifies multiple workplaces for each of the multiple companies, etc., linked to a single salary account ID.

[0074] When the deposit management unit 224 permits deposits into a salary account by salary transfer and prohibits deposits into the salary account by any method other than salary transfer, when there is a deposit request to a salary account having a certain salary account ID, the deposit management unit 224 first determines whether the deposit request is from a person corresponding to the name stored in the memory unit 23 in association with the salary account ID. If the deposit management unit 224 determines that the deposit request is not from a person corresponding to the name stored in association with the salary account ID, it refuses to execute the deposit process. On the other hand, if the deposit management unit 224 determines that the deposit request is from a person corresponding to the name stored in association with the salary account ID, it executes the deposit process. In addition, when the deposit management unit 224 obtains salary transfer instruction information from the bank system, it may determine whether the deposit is a salary transfer or not based on the summary information contained in the salary transfer instruction information, and execute the deposit process only if it is determined to be a salary transfer.

[0075] In addition, the deposit management unit 224 may perform both a judgment using the above-mentioned name and a judgment using the summary information, and execute the deposit process if either judgment determines that it is a salary transfer, or may execute the deposit process only if both judgments determine that it is a salary transfer. Furthermore, if a company or the like has a corporate fund transfer account for salary transfers, the deposit management unit 224 may only accept deposit requests from that corporate fund transfer account and execute the deposit process. In addition, the deposit management unit 224 may use the deposit amount or date and time included in the history and the deposit amount or date and time indicated in the deposit request to determine whether the deposit request is a salary transfer, and only accept the deposit request and execute the deposit processing if it is determined to be a salary transfer.

[0076] The server 2 may manage all salary accounts as allowing only salary deposits through the deposit management unit 224, or may manage a salary account as allowing only salary deposits only when a salary recipient such as user A selects to make the salary account allowing only salary deposits. In the latter case, for example, when User A designates a fund transfer account as a salary account, he or she can select whether or not to permit only salary transfers.

[0077] In the case where a salary recipient such as user A can select whether or not to allow only salary transfers to a salary account, the server 2 stores in the memory unit 23 a flag indicating whether or not the account is subject to processing by the deposit management unit 224, in association with the salary account ID. The flag is set to "1" if only salary transfers are allowed, and to "0" if deposits other than salary transfers are also allowed. When a deposit request is made to a salary account having a certain salary account ID, the deposit management unit 224 checks the flag stored in the memory unit 23 in association with the salary account ID, and performs the above-mentioned processing only if the flag is "1".

[0078] The deposit management unit 224 may always permit deposits by salary transfer into a certain salary account and prohibit any deposits other than salary transfers into the salary account, or may permit deposits by salary transfer into a salary account only for a certain period from the time the transfer processing is performed by the transfer execution unit 223, or only for a certain period from the time the upper limit is exceeded, and prohibit any deposits other than salary transfers into the salary account. If the deposit management unit 224 always permits deposits by salary transfer into a certain salary account and prohibits deposits by any method other than salary transfer into the salary account, deposits into that salary account are always deposits by salary transfer, which has the advantage that the server 2 does not need to determine whether deposits such as those described above are by salary transfer or not.

[0079] On the other hand, if the deposit management unit 224 permits deposits by salary transfer into the salary account only for a certain period from the time the transfer processing is performed by the transfer execution unit 223, or only for a certain period from the time the upper limit is exceeded, and prohibits deposits other than salary transfers into the salary account, this has the advantage that while all deposits into the salary account are normally permitted, only salary transfers can be permitted for a certain period of time. For example, in cases where an overpayment transfer is required to be made on the same day that the balance exceeds the upper limit, it is desirable to take measures to avoid, as much as possible, the above-mentioned "situation of a second overpayment on the same day that the overpayment transfer is made."

[0080] One possible countermeasure would be to reliably avoid the "re-overage situation on the day of the overage transfer" by prohibiting all deposits for a certain period of time that could result in the "re-overage situation on the day of the overage transfer," as described below. However, if all deposits were prohibited, salary transfers would also be prohibited, which would be disadvantageous for salary recipients such as User A, as they would not be able to receive their salary on the expected day, and would also be a burden for salary payers such as the company where User A works, as well as the possibility that they would not be able to fulfill their salary payment obligations, and would have to go through the process of transferring the salary again. From this perspective, it may be desirable for the deposit management unit 224 to permit deposits of salary by direct deposit into the salary account only for any of the certain periods mentioned above, and to prohibit deposits of salary by any method other than direct deposit into the salary account.

[0081] In addition, the deposit management unit 224 may prohibit deposits other than salary transfers into a salary account whose balance exceeds the upper limit for a certain period of time from the time the transfer processing is performed by the transfer execution unit 223, or for a certain period of time from the time the upper limit is exceeded, and may also prohibit deposits by salary transfer into a salary account whose balance exceeds the upper limit. In this case, all deposits to the salary account are prohibited for any of the above-mentioned fixed periods. Therefore, for example, all deposits are prohibited for a fixed period during which "an overdraft situation on the day of an overdraft transfer" may occur, so that "an overdraft situation on the day of an overdraft transfer" can be reliably avoided. In this case, while normally only deposits by salary transfer are permitted, in other words, the salary account is a salary-only account, during any of the above-mentioned fixed periods, deposits by salary transfer as well as deposits by any other method can be prohibited.

[0082] (Account setting processing section) The account setting processing unit 225 acquires a link setting request for linking a salary account with an existing prepaid card, and links the existing prepaid card account with the salary account and stores the link in the memory unit 23. The user terminal 3, in response to an operation by user A, can generate a linking setting request for linking the salary account with an existing prepaid card account and send it to the server 2. The linking setting request includes the salary account ID of the salary account to be linked with the existing prepaid card account and the ID of the existing prepaid card account (hereinafter referred to as the "prepaid card account ID").

[0083] When the account setting processing unit 225 of the server 2 receives a link setting request from the user terminal 3, it links the salary account ID and the prepaid card account ID included in the received link setting request and stores them in the memory unit 23. Here, the existing prepaid card account is an account for a prepaid card that has already been created in the name of user A, and is an account that is managed by server 2 in the same way as user A's salary account. User A is also able to manage the existing prepaid card account through user terminal 3.

[0084] User A can create a so-called pocket within an existing prepaid card account by performing operations on the management screen for the existing prepaid card account displayed on the display unit 35 of the user terminal 3. A pocket is one or more sub-accounts that are arbitrarily created by user A within an existing prepaid card account so that the balance of the prepaid card account can be allocated, for example, according to purpose, in order to improve the convenience of user A in managing the balance of the existing prepaid card account. User A can display and manage the pockets he or she has created on the management screen of an existing prepaid card account. Hereinafter, the screen on which the pockets are displayed will be referred to as the "pocket display screen." This pocket itself is a publicly known technology. Hereinafter, one or more pockets created in an existing prepaid card account in this publicly known technology will be referred to as a "real pocket." Information about the real pockets (the name of each real pocket and the allocated balance) is stored in the memory unit 23 of the server 2 in association with the existing prepaid card account ID.

[0085] When user A's salary account and user A's existing prepaid card account are linked, a pocket representing the salary account (hereinafter referred to as the "salary pocket") is displayed on the pocket display screen displayed on the display unit 35 of the user terminal 3 in addition to the real pocket. The salary pocket differs from a real pocket that can be arbitrarily created within a prepaid card account, which is a pocket based on known technology, and is a so-called virtual pocket that is automatically displayed when an existing prepaid card account and salary account are linked. The salary pocket is displayed on the pocket display screen as if it were a pocket on the same level as the real pocket.

[0086] For example, when user A operates user terminal 3 to display the pocket display screen of an existing prepaid card account, user terminal 3 accesses server 2 and obtains from server 2 information regarding the true pocket that is linked to the existing prepaid card account ID and stored in memory unit 23, and based on the salary account ID that is linked to the existing prepaid card account ID and stored in memory unit 23, obtains from server 2 information such as the balance of the salary account that is linked to the salary account ID and stored in memory unit 23. When the user terminal 3 acquires this information, it displays the real pocket and the salary pocket on the pocket display screen.

[0087] User A's salary account and user A's existing prepaid card account are essentially completely independent accounts. However, just as user A can transfer money from his salary account to another bank account, user A can transfer part or all of the balance of the salary pocket to one of the true pockets (for example, the main pocket of the true pockets) by performing an operation on the pocket display screen. Information on such a transfer operation is transmitted from the user terminal 3 to the server 2, and changes are made to the true pocket balance and the salary account balance of the existing prepaid card account managed by the server 2.

[0088] Some salary recipients, such as User A, may wish to use a prepaid card linked to an existing prepaid card account as the primary means of payment. In such cases, by using the above-mentioned function, User A can transfer the balance from his / her salary account to, for example, the main pocket of the existing prepaid card account, and use the prepaid card as the primary means of payment.

[0089] When the account setting processing unit 225 receives a request to open a salary account, it may open the salary account and issue a salary account card linked to the salary account. The account setting processor 225 may also be used to open a fund transfer account that user A will designate as a salary account linked to an existing prepaid card. Here, a fund transfer account opened for such an purpose is also referred to as a salary account. When the account setting processor 225 receives a salary account opening request from user A and opens the salary account, it may issue a salary account card linked to the salary account.

[0090] For example, user A operates user terminal 3 to send a request to open a salary account (funds transfer account) including an existing prepaid card account ID to server 2. The opening request may include card issuance selection information indicating the result of user A's selection as to whether or not to issue a salary account card. When the account setting processing unit 225 of the server 2 receives the opening request, it opens a salary account (fund transfer account) and assigns a salary account ID, and links the salary account ID to the existing prepaid card account ID included in the opening request and stores them in the storage unit 23. If the opening request includes card issuance selection information indicating that a salary account card is selected to be issued, the account setting processing unit 225 of the server 2 issues a salary account card linked to the opened salary account. The issued salary account card may be a so-called real card, or may be a virtual card that can be used on the user terminal 3. Note that when a prepaid card is used as the main payment method, the virtual card is only issued within the server 2 and does not need to be used on the user terminal 3.

[0091] Thereafter, when User A carries out the salary account designation procedure, the opened salary account (funds transfer account) can actually be used as a salary account. Regardless of whether a salary account card is issued linked to a salary account or not, if user A's salary account is linked to user A's existing prepaid card account, the pocket display screen will display the real pocket and salary pocket as described above, and user A can use the pocket display screen to manage his or her existing prepaid card account and salary account.

[0092] When User A's salary account is linked to User A's existing prepaid card account and User A only has a prepaid card, as described above, User A can, for example, transfer the balance from the salary pocket to the main pocket and use the prepaid card to spend the salary deposited into the salary account. In addition, User A can operate the user terminal 3 or the like to transfer the balance in the salary account to another bank account, or operate an ATM (Automatic / Automated Teller Machine) or the like to withdraw the balance as cash.

[0093] If user A's salary account is linked to user A's existing prepaid card account and user A has both a prepaid card and a salary account card, user A can use both cards as payment methods. In this case, the transfer of the balance from the salary pocket to the main pocket is the same as when user A has only a prepaid card. Note that, technically, it is possible to transfer the balance from the main pocket to the salary pocket, but it may be assumed that such transfer is not possible depending on the requirements of laws and regulations.

[0094] Also, when user A uses a prepaid card or a salary account card as a payment method, server 2 may prioritize payment processing from either the existing prepaid card account or the salary account. In this case, payment is made preferentially from one of the accounts based on a predetermined priority order, and if the balance of that account runs out, payment is made from the other account, so there is no need to transfer the balance from the salary pocket to the main pocket as described above. The following describes a case where user A performs a commercial transaction at a store using a prepaid card or a salary account card as a payment method.

[0095] (Payment request information acquisition unit) The payment request information acquisition unit 226 acquires payment request information requesting payment from the store terminal 4. When user A makes a payment for a commercial transaction using a payment means at a store, the store terminal 4 reads information related to the payment means and transmits the payment request information to the server 2 via the network 5. The payment request information includes the payment amount, identification information of the affiliated store where the payment was made, and information related to the payment means. The information related to the payment means is an existing prepaid card account ID or salary account ID. When the payment request information acquisition unit 226 of the server 2 acquires the payment request information from the store terminal 4, the payment request information acquisition unit 226 outputs the acquired payment request information to the payment processing unit 227.

[0096] (Payment processing unit) The payment processing unit 227 performs the payment process for the payment amount indicated by the payment request information, giving priority to either the existing prepaid card account or the salary account. When user A's salary account and user A's existing prepaid card account are linked, the funds transfer service provider may decide whether to give priority to the existing prepaid card account or the salary account for settlement processing, and may store this in advance in the memory unit 23 as a default. In a similar case, user A may arbitrarily decide whether to prioritize payment processing from an existing prepaid card account or a salary account, and, for example, operate user terminal 3 to send information regarding which account will be prioritized to server 2. Server 2 may then store the information in memory unit 23, linking it to the prepaid card account ID or the salary account ID.

[0097] The operation of the payment processing unit 227 will be described below taking as an example a case where information to the effect that payment from a salary account is given priority is stored in the storage unit 23. When the payment processing unit 227 acquires the payment request information from the payment request information acquisition unit 226, it identifies the prepaid card account and the salary account based on the information on the payment method included in the payment request information, acquires the balance information of each, and acquires information on which account is to be prioritized from the storage unit 23. As described above, it is assumed here that the information indicates that payment from the salary account is to be prioritized.

[0098] If the balance in the salary account is sufficient to cover the payment amount indicated by the payment request information, the payment processing unit 227 performs payment processing from the salary account. If the balance in the salary account is insufficient to cover the payment amount, the payment processing unit 227 performs payment processing from the salary account, as well as from an existing prepaid card account for the shortfall. Note that the operation of the payment processing unit 227 when priority is given to payment from an existing prepaid card account is the same as the above-mentioned operation except that the two accounts are simply swapped, and therefore a detailed explanation is omitted.

[0099] (Details of user terminal 3) Fig. 3 is a block diagram showing the configuration of the user terminal 3. As shown in Fig. 3, the user terminal 3 includes a communication unit 31, a calculation unit 32, a storage unit 33, an operation unit 34, and a display unit 35.

[0100] The communication unit 31 is a communication interface for communicating with other devices. The communication unit 31 is a communication device capable of mobile communication using a communication method such as LTE, 3G, 4G, or 5G, and communicates with other devices (not shown in FIG. 3) such as the server 2 via a network 5 (network 5 is not shown in FIG. 3). The communication unit 31 may also include a short-range wireless communication means such as Bluetooth (registered trademark).

[0101] The calculation unit 32 controls the overall operation of the user terminal 3. The calculation unit 32 has the functions of a display mode determination unit 321 and a display control unit 322. When a display control application is installed in the user terminal 3, the calculation unit 32 executes the display control application, whereby the calculation unit 32 realizes the functions of the display mode determination unit 321 and the display control unit 322. When the display control application is executed in the server 2, the calculation unit 32 receives an instruction from the server 2, whereby the calculation unit 32 realizes the functions of the display mode determination unit 321 and the display control unit 322.

[0102] The storage unit 33 is a storage device provided in a computer functioning as the user terminal 3, and includes storage such as an HDD or SSD, or the memory 103 of FIG. 5. The storage unit 33 stores a display control application and stores data used for the arithmetic processing of the arithmetic unit 32. Note that the storage unit 33 may be provided outside the user terminal 3 as long as it is accessible by the user terminal 3.

[0103] The operation unit 34 is an input device that accepts operations on the screen display of the display unit 35 included in the user terminal 3. For example, when the user terminal 3 is a smartphone or a tablet terminal, the operation unit 34 is a touch panel that is integrated with the screen of the display unit 35. When the user terminal 3 is a PC, the operation unit 34 is, for example, a mouse or a keyboard.

[0104] The display unit 35 is a display device included in the user terminal 3. The display unit 35 is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electroluminescence) display device.

[0105] (Display mode determination unit) The display mode determination unit 321 acquires the transfer advance notice display information. The transfer advance notice display information is display information for displaying a notice that a transfer of an amount (resolvable amount) capable of resolving the excess of the upper limit to a preset substitute account will be executed, which is sent from the server 2 that manages the salary account when it is determined that the balance of the salary account has exceeded the upper limit due to a salary transfer to the salary account. When the display mode determination unit 321 acquires the transfer notice display information, it determines the display mode of the notification. The display mode is the mode of how various information included in the transfer notice notice display information (e.g., the salary transfer amount, the balance after salary transfer, and the amount of the balance that exceeds the upper limit, etc.) is displayed on the display unit 35. Information regarding the display mode is set in advance and stored in the memory unit 33. The display mode may be changeable by an operation by user A. The display mode determination unit 321, for example, determines whether to add a warning mark, determines the layout and color of each piece of information, or determines the screen mode such as pop-up display or banner display. When the display mode determination unit 321 determines the display mode of the notification, it outputs the determined display mode to the display control unit 322.

[0106] (Display control unit) The display control unit 322 displays a notification on the display screen based on the display mode. For example, the display control unit 322 displays on the display unit 35 a screen notifying (transfer advance notice) that a transfer (excess transfer) of an amount (resolvable amount) that can resolve the upper limit exceeding state to the designated alternative account will be executed. User A checks the contents of the transfer advance notice, and can avoid the upper limit exceeding state as necessary, for example, by transferring money from a salary account to an alternative account.

[0107] With reference to Fig. 4, specific examples of screens 35A, 35B, and 35C displayed on the display unit 35 of the user terminal 3 when user A receives a transfer advance notice and transfers money from the salary account to an alternative account when the upper limit is exceeded will be described. Fig. 4 shows an example of the transfer advance notice screen and the transfer operation screen to the alternative account. Here, a case is shown in which the salary account used for digital salary payment is a prepaid card account. When display mode determination unit 321 acquires the transfer notice display information and determines the display mode, display control unit 322 first displays, for example, screen 35A shown on the left side of Fig. 4 on display unit 35. Screen 35A is an example of a transfer notice screen.

[0108] Screen 35A also displays that the card balance is now 1,012,345 yen as a result of salary being transferred to the salary account. Screen 35A also displays text such as "Salary balance upper limit + 12,345 yen" in display field 351, indicating that the balance is 12,345 yen more than the upper limit of 1,000,000 yen. Display field 351 also displays the text "Salary balance upper limit exceeded" along with a warning mark on the left side of the screen. By visually checking display field 351, user A can recognize that if the current state continues, an excess transfer will be executed. Furthermore, in the display field 352 on the screen 35A displaying the words "Salary Transfer Deposit", it is displayed that the amount of the salary transfer was 1,000,000 yen.

[0109] If the salary balance exceeds the upper limit of 1,000,000 yen, the transfer execution unit 223 of the server 2 transfers (overpayment transfer) the resolvable amount (here, the excess amount) to a designated alternative account (hereinafter referred to as the "designated alternative account") at, for example, 10 p.m. on the day the upper limit was exceeded. When transferring money to the designated alternative account, the transfer execution unit 223 may deduct a transfer fee of xxx yen from the balance of user A's salary account. On the other hand, the transfer execution unit 223 will not transfer money to the designated substitute account as an excess transfer if the settlement of the commercial transaction using at least the excess amount has been completed on the same day, if at least the excess amount has been withdrawn in cash, or if a transfer to the designated substitute account or another bank account, etc. has been performed by user A's operation. To avoid an overdraft transfer by server 2, in other words, by the funds transfer service provider, user A checks screen 35A and then transfers money from the salary account to the alternative account, for example, to resolve the condition of exceeding the upper limit. Note that even if a fee is charged for an overdraft transfer, if user A himself or herself transfers money from the salary account to the alternative account, for example, the fee is not charged.

[0110] For example, when user A taps on display field 351, user terminal 3 displays screen 35B, the second from the left in FIG. 4, on display unit 35. Display field 353 and display field 354 are displayed together on screen 35B. Display field 353 displays the text "Excess remittance" and the text "Balance available for withdrawal (salary balance)" as a breakdown of "Excess remittance". On screen 35B, display field 353 displays the excess amount of 12,345 yen. Display field 354 displays that the excess amount over the upper limit of the salary balance will be remitted to the designated substitute account.

[0111] When the transfer of the excess amount to the designated substitute account is completed, the user terminal 3 displays screen 35C, the third from the left in Fig. 4, on the display unit 35. Screen 35C is the screen after the excess amount has been transferred to the designated substitute account from the state of screen 35A. Screen 35C shows 1,000,000 yen in the "Card balance" column, as the excess amount of 12,345 yen has been transferred to the designated substitute account.

[0112] Screen 35C also displays in display field 355 the words "excess remittance" or the like, indicating that the excess remitted amount is 12,345 yen. Furthermore, display field 356 on screen 35C displays the words "salary transfer received," indicating that the amount of the salary transfer was 1,000,000 yen.

[0113] (program) 5 is a block diagram showing a hardware configuration for realizing the functions of the server 2 or the user terminal 3. For example, the calculation unit 22 for realizing the functions of the server 2 has, as hardware components, a communication interface 100, an input / output interface 101, a processor 102, and a memory 103. Each function of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, the settlement request information acquisition unit 226, and the settlement processing unit 227 included in the calculation unit 22 is realized by this hardware configuration.

[0114] The communication interface 100 outputs data received from the user terminal 3 or the store terminal 4 via the network 5 to the processor 102 by the communication unit 21, and transmits data generated by the processor 102 to the user terminal 3 or the store terminal 4 via the network 5. The processor 102 controls reading and writing of data from and to the storage unit 23 via the input / output interface 101.

[0115] An application program (excess handling application) for realizing each function of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, the settlement request information acquisition unit 226, and the settlement processing unit 227 is stored in the memory 103. The memory 103 is, for example, a semiconductor memory provided in a computer functioning as the server 2. The processor 102 executes a program loaded from the storage unit 23 to the memory 103 via the input / output interface 101. As a result, the processor 102 realizes each function of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, the settlement request information acquisition unit 226, and the settlement processing unit 227.

[0116] Moreover, the calculation unit 32 that realizes the functions of the user terminal 3 has, as hardware configurations, a communication interface 100, an input / output interface 101, a processor 102, and a memory 103. The functions of the display mode determination unit 321 and the display control unit 322 included in the calculation unit 32 are realized by these hardware configurations.

[0117] The communication interface 100 outputs data received from each device via the network 5 by the communication unit 31 to the processor 102, and transmits data generated by the processor 102 to each device via the network 5. The processor 102 acquires operation information from the operation unit 34 via the input / output interface 101, and controls the display of the display unit 35.

[0118] When a display control application is installed in the user terminal 3, an application program (display control application) for realizing each function of the display mode determination unit 321 and the display control unit 322 is stored in the memory 103. The memory 103 is, for example, a semiconductor memory mounted on a smartphone.

[0119] When the display control application is installed in the user terminal 3, the processor 102 executes a program loaded from the storage unit 33 to the memory 103 via the input / output interface 101. In this way, the processor 102 realizes the functions of a display mode determination unit 321 and a display control unit 322.

[0120] (Information processing method) FIG. 6 is a flowchart showing an information processing method executed by the server 2 according to the first embodiment. The excess determination unit 221 determines whether the balance of the salary account used for digital salary payment exceeds the upper limit (step ST1). If it is determined that the balance of the salary account does not exceed the upper limit (step ST1; NO), the series of processes in FIG. 6 is terminated, and the process from step ST1 is repeated again.

[0121] For example, if it is determined that the balance of a salary account exceeds the upper limit (step ST1; YES), the display information generation unit 222 generates display information (transfer notice display information) for displaying a notification (transfer notice) on the user terminal 3 used by the user of the salary account to manage the salary account that a transfer of an amount (resolvable amount) capable of resolving the excess over the upper limit to a pre-set alternative account will be carried out (step ST2). Furthermore, if it is determined that the balance of the salary account exceeds the upper limit, the transfer execution unit 223 executes a transfer process to the alternative account for an amount (resolvable amount) that can eliminate the excess over the upper limit if the excess over the upper limit state satisfies the transfer conditions after the salary transfer is made (step ST3).

[0122] The functions of the server 2 need to include at least the functions of an excess determination unit 221, a display information generation unit 222, and a transfer execution unit 223, and the deposit management unit 224, an account setting processing unit 225, a payment request information acquisition unit 226, and a payment processing unit 227 are functions that can be added optionally.

[0123] As described above, the server 2 according to the first embodiment includes an excess determination unit 221 which determines whether the balance of a salary account, which is an account used for digitally paying a salary, exceeds the upper limit when a salary is transferred to the salary account, and a display information generation unit 222 which, if it is determined that the upper limit is exceeded, generates display information for displaying a notification on the user terminal 3 used by the user of the salary account to manage the salary account that a transfer of an amount sufficient to resolve the upper limit exceeding state will be executed to a preset alternative account; and a transfer execution unit 223 which, after the salary transfer is performed, executes a transfer process of an amount sufficient to resolve the upper limit exceeding state to the alternative account if the upper limit exceeding state satisfies the transfer conditions. Therefore, the program (overage response application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to provide technology that can respond to exceeding the upper limit set for a salary account used for digital salary payments, while preventing any disruption to salary transfers. In addition, an overdraft transfer may incur a fee. In addition, when an overdraft transfer is executed, the balance of the salary account may become an amount that the user does not intend. In consideration of these points, it is desirable for the user to be notified of the overdraft transfer before it is executed. A user who recognizes the possibility of an overdraft transfer can avoid the execution of the overdraft transfer by withdrawing money from the salary account himself so that the balance does not exceed the upper limit. The program of the first embodiment (overdraft response application) that causes a computer to function as the server 2 enables a transfer notice to be given before an overdraft transfer is executed, and can notify users who pay their salary digitally of the possibility of an overdraft transfer in a manner that is highly convenient for the user. In addition, the program (overage response application) of embodiment 1 that causes a computer to function as server 2 can provide a technology that quickly executes an excess transfer at a specified timing when, for example, a salary deposit actually causes the upper limit to be exceeded.

[0124] The server 2 according to the first embodiment may include a deposit management unit 224 that permits deposit of salary by direct deposit into a salary account and prohibits deposit of any other method than direct deposit into the salary account. In this case, the program (excess handling application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to turn the salary account into an account that only allows salary deposits as needed (for example, all the time or for a specified period only).

[0125] In the server 2 relating to embodiment 1, the deposit management unit 224 may permit deposits by salary transfer into a salary account only for a certain period from the time the transfer execution unit processes the transfer, or only for a certain period from the time the upper limit is exceeded, and may prohibit deposits by any method other than salary transfer into the salary account. In this case, the program (excess handling application) according to the first embodiment, which causes a computer to function as the server 2, is executed by the computer, and while normally allowing all deposits (salary deposits and deposits other than salary deposits), deposits other than salary deposits can be prohibited for a certain predetermined period of time. In this way, the program according to the first embodiment can prevent the upper limit being exceeded again as much as possible during the predetermined period after the transfer process (excess transfer), while at the same time allowing salary transfers so as not to cause a disadvantage to the salary recipient such as user A or the salary payer.

[0126] In the server 2 relating to embodiment 1, the deposit management unit 224 may prohibit all deposits into the salary account for a certain period of time from the time the transfer processing is performed by the transfer execution unit, or for a certain period of time from the time the upper limit is exceeded. In this case, the program (overage handling application) according to the first embodiment, which causes a computer to function as the server 2, can be executed by the computer to prohibit all deposits for a certain period of time, even if all deposits (salary deposits and deposits other than salary deposits) are normally permitted, or even if only salary deposits are normally permitted. In this way, the program according to the first embodiment can reliably prevent the upper limit from being exceeded again during the specified period after the transfer process (overage transfer) has been executed.

[0127] In the server 2 relating to embodiment 1, the deposit management unit 224 may prohibit deposits other than salary transfers into a salary account whose balance is over the upper limit for a certain period of time from the time the transfer execution unit processes the transfer, or for a certain period of time from the time the upper limit is exceeded, and may also prohibit deposits by salary transfer into a salary account whose balance is over the upper limit. In this case, the program (overage response application) of embodiment 1 which causes a computer to function as server 2 can be executed by the computer to prohibit all deposits that would cause the upper limit to be exceeded during a specified period after the transfer process (overage transfer), thereby reliably preventing the upper limit from being exceeded again while allowing deposits that do not cause the upper limit to be exceeded.

[0128] In the server 2 according to the first embodiment, the transfer execution unit 223 may be configured to start the transfer process when a deposit is made to a salary account, only for a certain period of time after the transfer process. In this case, the program (overage response application) of embodiment 1 that causes a computer to function as server 2 is executed by the computer, so that if the upper limit is exceeded again within a specified period after the transfer process (overage transfer) is executed, the overage transfer can be executed promptly.

[0129] The server 2 according to the first embodiment may be equipped with an account setting processing unit 225 that receives a linking setting request for linking a salary account with an existing prepaid card, and links the existing prepaid card account with the salary account and stores the link in the memory unit. In this case, the program (overage handling application) according to the first embodiment that causes a computer to function as the server 2 can be executed by the computer to link the existing prepaid card account and the salary account. This allows the server 2 to link and manage the existing prepaid card account and the salary account, and the user A can use the user terminal 3, for example, to manage both accounts together on one management screen, for example.

[0130] The account setting processing unit 225 of the server 2 according to the first embodiment may, upon receiving a request to open a salary account, open the salary account and issue a salary account card linked to the salary account. In this case, the program (overage handling application) according to the first embodiment that causes a computer to function as the server 2 can be executed by the computer to open a salary account linked to an existing prepaid card and issue a salary account card linked to the salary account. This allows user A to use the existing prepaid card or salary account card as a payment method, and since both cards and both accounts are linked, as described below, regardless of which payment method is used, both accounts can be used flexibly, for example, when settling a commercial transaction, by giving priority to either of the two accounts.

[0131] In the server 2 according to embodiment 1, the transfer execution unit 223 may execute a transfer of an amount capable of eliminating the excess over the upper limit (elimination amount) to the alternative account when a transfer condition is met that the balance of the salary account is in a state of exceeding the upper limit at a preset time. In this case, the program (overage handling application) according to the first embodiment, which causes a computer to function as the server 2, can be executed by the computer to execute an overage transfer if the upper limit is exceeded at a preset time. Therefore, the program according to the first embodiment can handle cases where, for example, when a deposit into a salary account causes the upper limit to be exceeded, it is requested that an overage transfer be executed within a predetermined period (such as 24 hours) from that point in time.

[0132] In the server 2 according to embodiment 1, the transfer execution unit 223 may execute a transfer of an amount to an alternative account sufficient to eliminate the excess of the upper limit when a transfer condition is met that the balance of the salary account is in a state of exceeding the upper limit at a preset time on a day. In this case, the program (overage response application) of embodiment 1, which causes a computer to function as server 2, is executed by the computer to check once a day whether the upper limit has been exceeded, and if the upper limit has been exceeded, an overage transfer can be performed.

[0133] In the server 2 according to embodiment 1, the transfer execution unit 223 may execute a transfer of an amount to an alternative account sufficient to eliminate the excess of the upper limit when a transfer condition is met that the excess of the upper limit continues for a preset time after the salary transfer is made. In this case, the program (overage response application) of embodiment 1 which causes a computer to function as server 2 is executed by the computer so that, for example, when a deposit into a salary account causes the upper limit to be exceeded, a request is made to execute an overage transfer within a specified period (e.g., 24 hours) from that point in time, if the preset time is less than the time based on the request, the request can be complied with because the preset time will always be less than the preset time, even if the upper limit is exceeded for the longest period of time.

[0134] The server 2 according to the first embodiment includes a payment request information acquisition unit 226 that acquires payment request information requesting payment from the store terminal 4, and a payment processing unit 227 that performs payment processing, giving priority to either an existing prepaid card account or a salary account, for the payment amount indicated by the payment request information. In this case, the program (overage handling application) according to the first embodiment that causes a computer to function as the server 2 can be executed by the computer to perform payment processing preferentially from either the existing prepaid card account or the salary account when the existing prepaid card account and salary account are linked. This allows user A to flexibly use both accounts when settling commercial transactions.

[0135] The user terminal 3 in embodiment 1 is equipped with a display mode determination unit 321 that determines the display mode of the notification when it acquires display information sent from the server 2 managing the salary account for displaying a notification that a transfer of an amount sufficient to resolve the excess of the upper limit in the salary account will be made to a pre-set alternative account when it is determined that the balance of the salary account exceeds the upper limit due to a salary transfer to the salary account, and a display control unit 322 that displays the notification on the display screen based on the display mode. Therefore, the program (display control application) of embodiment 1 which causes a computer to function as a user terminal 3 can be executed by the computer to cooperate with server 2 to provide technology for dealing with exceeding the upper limit set for a salary account used for digital salary payment and preventing any disruption to salary transfers, as well as technology for notifying users of digital salary payment of the possibility of a transfer in the event of an excess in a manner which is highly convenient for the user.

[0136] The server 2 executing the program (excess response application) relating to embodiment 1 can provide technology for responding to an excess of the upper limit set for a salary account used for digital salary payment, while preventing any disruption to salary transfers.

[0137] The user terminal 3 executing the program (display control application) relating to embodiment 1 can cooperate with the server 2 to provide technology for dealing with exceeding the upper limit set for a salary account used for digital salary payment and preventing any disruption to salary transfers, as well as technology for notifying users of digital salary payment of the possibility of a transfer in the event of an excess in a manner that is highly convenient for the user.

[0138] The information processing system 1 according to the first embodiment includes the above-mentioned server 2 and user terminal 3. The information processing system 1 provides a technology for dealing with an excess of an upper limit set for a salary account used for digital salary payment and preventing a hindrance to salary transfer, and can also provide a technology for notifying a user of digital salary payment of the possibility of a transfer when the excess is exceeded, in a manner that is highly convenient for the user.

[0139] The information processing method according to the first embodiment includes step ST1 in which the excess determination unit 221 determines whether or not the balance of the salary account, which is an account used for digitally paying the salary, exceeds an upper limit when a salary is transferred to the salary account; step ST2 in which the display information generation unit 222, if it is determined that the upper limit is exceeded, generates display information for displaying a notification on a user terminal 3 used by the user of the salary account to manage the salary account that a transfer of an amount sufficient to resolve the upper limit exceeding state will be executed to a pre-set alternative account; and step ST3 in which the transfer execution unit 223, if the upper limit exceeding state satisfies the transfer conditions after the salary transfer is executed, executes a transfer process of an amount sufficient to resolve the upper limit exceeding state to the alternative account. As a result, the information processing method of embodiment 1 can provide technology that can deal with exceeding the upper limit set for a salary account used for digital salary payment, while preventing any disruption to salary transfers. [Explanation of symbols]

[0140] 1 information processing system, 2 server, 3 user terminal, 4 store terminal, 5 network, 21, 31 communication unit, 22, 32 calculation unit, 23, 33 memory unit, 34 operation unit, 35 display unit, 35A, 35B, 35C screen, 100 communication interface, 101 input / output interface, 102 processor, 103 memory, 221 excess determination unit, 222 display information generation unit, 223 transfer execution unit, 224 deposit management unit, 225 account setting processing unit, 226 payment request information acquisition unit, 227 payment processing unit, 321 display mode determination unit, 322 display control unit, 351, 352, 353, 354, 355, 356 display column.

Claims

1. Computer, an excess determination unit that determines whether or not the balance of a salary account used for digital salary payment exceeds an upper limit when a salary is transferred to the salary account; a display information generating unit that generates, when it is determined that the upper limit is exceeded, display information for displaying a notification to a user of the salary account on a user terminal used for managing the salary account, notifying the user that a transfer of an amount capable of eliminating the upper limit exceeding state will be executed to a preset alternative account, the notification including the timing of the transfer; a transfer execution unit that executes a transfer process to the alternative account for an amount sufficient to resolve the state of exceeding the upper limit amount if the state of exceeding the upper limit amount satisfies a transfer condition after the salary transfer is performed. A program characterized by:

2. The computer, and a deposit management unit that permits deposits to the salary account by salary transfer and prohibits deposits to the salary account by any method other than salary transfer.

2. The program according to claim 1 .

3. The computer, the deposit management unit permits deposit of the salary by the salary transfer to the salary account only for a certain period from the time of the transfer processing by the transfer execution unit or only for a certain period from the time the upper limit is exceeded, and prohibits deposits by any method other than the salary transfer to the salary account; Functioning as the server 3. The program according to claim 2 .

4. The computer, The deposit management unit prohibits all deposits to the salary account for a certain period of time from the time the transfer execution unit processes the transfer, or for a certain period of time from the time the upper limit is exceeded. Functioning as the server 3. The program according to claim 2 .

5. The computer, the deposit management unit prohibits deposits by means other than the salary transfer into the salary account whose balance is in a state of exceeding the upper limit only for a certain period from the time of the transfer processing by the transfer execution unit or only for a certain period from the time the upper limit was exceeded, and prohibits deposits by the salary transfer into the salary account whose balance is in a state of exceeding the upper limit; Functioning as the server 3. The program according to claim 2 .

6. The computer, the transfer execution unit, when a deposit is made to the salary account, starts the transfer process upon the deposit only for a certain period from the time of the transfer process; Functioning as the server 2. The program according to claim 1 .

7. The computer, and an account setting processing unit that receives a link setting request for linking the salary account with an existing prepaid card and stores the link between the existing prepaid card account and the salary account in a storage unit.

2. The program according to claim 1 .

8. The computer, When the account setting processing unit receives a request to open the salary account, the account setting processing unit opens the salary account and issues a salary account card linked to the salary account. Acting as the server; 8. The program according to claim 7 .

9. The computer, the transfer execution unit executes a transfer of an amount sufficient to eliminate the excess of the upper limit to the alternative account when the transfer condition that the balance of the salary account is in the excess of the upper limit at a preset time is satisfied; Functioning as the server 2. The program according to claim 1 .

10. The computer, the transfer execution unit executes a transfer to the alternative account in an amount sufficient to eliminate the excess of the upper limit when the transfer condition is satisfied that the balance of the salary account is in the excess of the upper limit at a preset time of one day; Functioning as the server 10. The program according to claim 9 .

11. The computer, the transfer execution unit executes a transfer of an amount capable of eliminating the excess of the upper limit to the alternative account when the transfer condition is satisfied that the excess of the upper limit continues for a preset time after the salary transfer is made; Functioning as the server 2. The program according to claim 1 .

12. The computer, Furthermore, a payment request information acquisition unit that acquires payment request information requesting payment from the store terminal; a payment processing unit that performs payment processing by giving priority to either the existing prepaid card account or the salary account for the payment amount indicated by the payment request information.

8. The program according to claim 7 .

13. Computer, A user terminal for a user of a salary account used for digital salary payment to manage the salary account, a display mode determination unit which, when it is determined that the balance of the salary account exceeds an upper limit due to a salary transfer to the salary account, receives display information for displaying a notification that a transfer of an amount capable of resolving the excess amount to a preset alternative account will be executed, the notification including the timing at which the transfer will be executed, the display mode determination unit determining a display mode of the notification; a display control unit that displays the notification on a display screen based on the display mode. A program characterized by:

14. A server that executes the program according to any one of claims 1 to 12.

15. A user terminal that executes the program according to claim 13.

16. A server according to claim 14; A user terminal according to claim 15, An information processing system comprising:

17. An information processing method executed by a server, comprising: an excess determination unit determining whether or not the balance of a salary account used for digital salary payment exceeds an upper limit associated with a salary transfer to the salary account; a display information generating unit, when it is determined that the upper limit is exceeded, generating display information for displaying, on a user terminal used by a user of the salary account to manage the salary account, a notification that a transfer of an amount sufficient to eliminate the upper limit exceeding state will be made to a preset alternative account, the notification including the timing at which the transfer will be made; a step of a transfer execution unit executing a transfer process of an amount capable of eliminating the excess of the upper limit amount to the alternative account when the excess of the upper limit amount satisfies a transfer condition after the salary transfer is performed, 23. An information processing method comprising:

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