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 for a user to flexibly change the amount of salary to be transferred to a plurality of accounts used by the user who receives electronic payment of salary.SOLUTION: A server (2) includes: a salary transfer determination unit (221) which determines whether salary has been transferred to an account for salary, which is an account to be used for receiving electronic payment of salary; a remittance setting information acquisition unit (222) which acquires, from a storage unit (23), remittance setting information which has been transmitted in advance from a user terminal (3) of a user of the account for salary for managing the account for salary, and stored in the storage unit (23); and a remittance execution unit (223) which executes, when a determination is made that the salary has been transferred, processing to remit a preset amount to a preset remittee account from the balance in the account for salary, according to the remittance setting information.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] If a salary recipient uses multiple accounts, it would be very convenient for the salary recipient if there was a system that allowed the salary recipient to flexibly change the amount of salary transferred to each account. For example, if a salary recipient (user) who uses digital salary payment receives a monthly salary of 250,000 yen, and in a normal month, 100,000 yen is transferred to a bank account and 150,000 yen is transferred to a salary account, and in a certain month, a bonus of 500,000 yen is paid in addition to the monthly salary, the user may wish to have a specified amount of the 500,000 yen bonus transferred to the bank account. Also, for example, if expenses from the bank account are increasing, the user may wish to increase the amount transferred to the bank account each month.

[0006] In response to this, there has been a problem in that a technology has not been provided for users of digital salary payments that allows them to flexibly change the amount of salary transfers to multiple accounts used by the user. 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 a user who pays his or her salary digitally with technology that allows the user to flexibly change the amount of salary transferred to multiple accounts used by the user. [Means for solving the problem]

[0008] The program of the present invention causes a computer executing the program to function as a server equipped with a salary transfer determination unit that determines whether a salary transfer has been made to a salary account, which is an account used for digital salary payments, a remittance setting information acquisition unit that acquires from the memory unit remittance setting information that has been sent in advance from a user terminal used by the user of the salary account to manage the salary account and stored in the memory unit, and a remittance execution unit that, when it is determined that a salary transfer has been made, executes a remittance process of a predetermined amount from the balance of the salary account to a predetermined remittance destination account in accordance with the remittance setting information. Effect of the Invention

[0009] According to the program of the present invention, a computer executing the program determines that a salary has been transferred to a salary account, retrieves from the storage unit remittance setting information transmitted in advance from the user terminal and stored in the storage unit, and if it is determined that a salary has been transferred, executes a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information. In this way, the program of the present invention can provide a user who pays their salary digitally with a technology that allows the user to flexibly change the amount of salary transfer to multiple accounts used by the user. [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] FIG. 2 is a block diagram showing a hardware configuration for implementing the functions of a server or a user terminal. [Diagram 5] FIG. 13 is a screen diagram showing an example of a remittance setting operation. [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 and a user terminal 3 are connected via a network 4. An existing electric communication line can be used as the network 4. The network 4 is, for example, the Internet. The server 2 and the user terminal 3 are capable of communicating with each other via the network 4. 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 another funds transfer account associated with 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 that a salary transfer has been made to the salary account, and obtains from the memory unit 23 remittance setting information that has been sent in advance from a user terminal 3 used by user A of the salary account to manage the salary account and stored in the memory unit 23 (described later).If it is determined that a salary transfer has been made, the server 2 executes a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information.

[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. The management of fund transfer accounts, including salary accounts, performed by server 2 may include opening fund transfer accounts, deposit or transfer processes performed on fund transfer accounts, or management of balances associated with such deposit or transfer processes.

[0016] 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.

[0017] 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 4, 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.

[0018] The user terminal 3, upon receiving an operation from user A, can generate remittance setting information indicating a remittance of a preset amount from the balance of the salary account to a preset remittance destination account, and transmit it to the server 2. When the server 2 acquires the remittance setting information from the user terminal 3, it stores the remittance setting information in the storage unit 23, linking it with the ID of the target salary account (hereinafter referred to as the "salary account ID"). Furthermore, the user terminal 3 can receive operations from user A and 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. By utilizing these functions of the user terminal 3, user A can at least manage his / her own salary account managed by the server 2. The user terminal 3 will be described in detail later.

[0019] (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 via a network 4 (the network 4 is not shown in Fig. 2). The communication unit 21 is capable of communicating, via a network 4, with a user terminal 3 having a communication unit that is a communication device capable of mobile communication using a communication method such as LTE, 3G, 4G, or 5G.

[0020] The calculation unit 22 controls the overall operation of the server 2. The calculation unit 22 has the functions of a salary transfer determination unit 221, a remittance setting information acquisition unit 222, and a remittance execution unit 223. The calculation unit 22 executes a remittance processing application, thereby realizing the functions of the salary transfer determination unit 221, the remittance setting information acquisition unit 222, and the remittance execution unit 223. The remittance processing application is constantly running so that it can acquire remittance setting information from the user terminal 3 at any time.

[0021] The storage unit 23 is a storage device provided in a computer functioning as the server 2, and includes a storage such as a hard disk drive (HDD) or a solid state drive (SSD), or the memory 103 in FIG. The storage unit 23 may be provided outside the server 2 as long as the server 2 can access it.

[0022] The storage unit 23 stores a remittance processing application and stores data used in the arithmetic processing of the calculation unit 22. For example, the storage unit 23 stores information identifying user A, information identifying user A's salary account (salary account ID), and salary remittance setting information for user A in association with each other. In addition, when the server 2 executes a remittance setting application to provide the user terminal 3 with a salary remittance setting function via the network 4 in the form of so-called SaaS (Software as a Service), the storage unit 23 also stores the remittance setting application.

[0023] (Salary Transfer Judgment Department) The salary transfer determination unit 221 determines whether a salary transfer has been made to a salary account, which is an account used for digital salary payment. A salary account is designated as a salary account when User A completes the salary account designation procedure with the salary payer, and unlike other funds transfer accounts, can be linked to it with remittance setting information. However, because a salary account also functions as a normal funds transfer account, funds other than salary may be deposited into the salary account. Therefore, when a deposit is made to a salary account, the server 2 needs to use the salary transfer determination unit 221 to determine whether or not the deposit is a salary transfer.

[0024] (Example 1 of determining whether or not a salary transfer is made) The salary transfer judgment unit 221 may, for example, judge whether a deposit into a salary account is a salary transfer based on information about the employer of user A of the salary account that was registered when the salary account was set up (hereinafter referred to as "judgment 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.

[0025] Regardless of the method, for example, when server 2 is linked to a bank system (not shown) that manages corporate bank accounts, or when a company opens a corporate fund transfer account, information about user A's employer, including the name of the employer, 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 employer information is linked to the salary account ID and stored in the storage unit 23. If the person who made the deposit into a salary account having a certain salary account ID corresponds to the employer information stored in the storage unit 23 in linkage with the salary account ID, the salary transfer determination unit 221 determines that the deposit is a salary transfer. In addition, if there are multiple companies etc. as the workplaces of user A, the storage unit 23 may store information on multiple workplaces for each of the multiple companies etc., linked to one salary account ID.

[0026] (Example 2 of determining whether or not a salary is transferred) The salary transfer judgment unit 221 may judge whether a deposit into a salary account is a salary transfer based on category information registered by user A of the salary account at the time of past salary transfer to the salary account (hereinafter referred to as "judgment 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 to 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.

[0027] 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 or 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 or time of the remittance transaction, the name of the remittance recipient, and the amount remitted.

[0028] 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.

[0029] 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.

[0030] The salary transfer determination unit 221 determines that a deposit is a salary transfer when the person who made the deposit into a salary account having a certain salary account ID is a person corresponding to the name stored in the memory unit 23 in association with that salary account ID.

[0031] The salary transfer judgment unit 221 may judge whether or not a deposit is a salary transfer by using both judgment example 1 and judgment example 2. Judgment methods using both judgment example 1 and judgment example 2 include a method of judging that a 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 judging that a deposit is a salary transfer only if the judgment results based on both judgment examples indicate that the deposit is a salary transfer. The salary transfer determination unit 221 may determine whether the deposit request is 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. Furthermore, when the salary transfer determination unit 221 acquires salary transfer instruction information (described later) from a bank system, it may determine whether or not a deposit is a salary transfer based on summary information included in the salary transfer instruction information. In addition, the salary transfer judgment unit 221 may perform both a judgment using judgment example 1 or judgment example 2 and a judgment using summary information, and may ultimately judge it to be a salary transfer if either judgment results in a salary transfer, or may ultimately judge it to be a salary transfer only if both judgments result in a salary transfer. In addition, if a company or the like has a corporate fund transfer account for salary transfers, the salary transfer judgment unit 221 may judge a deposit made in response to a deposit request from the corporate fund transfer account to be a salary transfer.

[0032] (Example 3 of determining whether or not a salary transfer is made) The salary transfer judgment unit 221 may judge that a salary transfer has been made when a deposit has been made into a dedicated salary account that is set as a salary account and accepts only salary transfers (hereinafter referred to as "judgment example 3"). As shown in Decision Example 1, 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 on the employer of user A, including the name of the employer, etc., 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 employer information is then stored in memory unit 23 in association with the salary account ID. In addition, in judgment example 3, if there are multiple companies etc. as the workplaces of user A, the memory unit 23 may store information on multiple workplaces for each of the multiple companies etc., linked to a single salary account ID.

[0033] In the case of judgment example 3, when there is a deposit request to a salary-only account having a certain salary account ID, the server 2 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 server 2 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 server 2 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. This is because if the deposit request is from a person corresponding to the name stored in association with the salary account ID, it is appropriate to determine that it is a salary transfer. Alternatively, in the case of judgment example 3, it may be assumed that when server 2 obtains the salary transfer instruction information described below from the bank system, it determines whether the deposit is a salary transfer based on the summary information included in the salary transfer instruction information, and executes the deposit process only if it is determined to be a salary transfer. In addition, in the case of judgment example 3, the server 2 may perform both a judgment using the above-mentioned name and a judgment using the summary information, and may assume that if either judgment determines that the payment is a salary transfer, the deposit process will be performed, or may assume that the deposit process will be performed only if both judgments determine that the payment is a salary transfer. In the case of judgment example 3, the server 2 may assume that if a company or the like has a corporate fund transfer account for salary transfers, it will only accept deposit requests from that corporate fund transfer account. In addition, in the case of judgment example 3, the server 2 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 may only accept the deposit request if it is determined to be a salary transfer.

[0034] The salary transfer determination unit 221 determines that a salary transfer has been made if a deposit has been made to a salary-only account. For example, server 2 may manage all salary accounts as dedicated salary accounts, or the salary recipient may choose whether or not to make the fund transfer account a dedicated salary account when completing the account opening procedure or after opening the account, and only if the salary recipient chooses to make the fund transfer account a dedicated salary account will server 2 manage that fund transfer account as a dedicated salary account.

[0035] When the salary transfer determination unit 221 determines that a salary transfer has been made to a salary account, it outputs information indicating that a salary transfer has been made (hereinafter referred to as "salary transfer information") to the remittance execution unit 223. Furthermore, when the salary transfer determination unit 221 determines that a salary transfer has been made to a salary account, it may output the salary transfer information to both the remittance setting information acquisition unit 222 and the remittance execution unit 223. The salary transfer information includes, for example, the salary account ID and the amount of the salary transfer.

[0036] Furthermore, the salary transfer determination unit 221, in addition to outputting the salary transfer information to the remittance execution unit 223 as described above, may also output information indicating that a deposit has been made to the salary account (hereinafter referred to as "deposit information") to the remittance setting information acquisition unit 222, regardless of whether or not it has been determined that a salary transfer has been made to the salary account. The deposit information includes, for example, the salary account ID. For example, when it is stated that "the salary transfer determination unit 221 outputs certain information to the remittance execution unit 223," this also includes the salary transfer determination unit 221 causing the remittance execution unit 223 to acquire the information via the memory unit 23. Hereinafter, the expression "output" will be used as an expression having a similar meaning.

[0037] (Remittance setting information acquisition section) The remittance setting information acquisition unit 222 acquires from the memory unit 23 the remittance setting information that has been transmitted in advance from the user terminal 3 used by user A of the salary account to manage the salary account and stored in the memory unit 23. As described above, the user terminal 3 can receive operation from user A, generate remittance setting information indicating a remittance of a preset amount from the balance of the salary account to a preset remittance destination account, and transmit the information to the server 2. When the server 2 acquires the remittance setting information from the user terminal 3, the server 2 associates the remittance setting information with the salary account ID of the target salary account, and stores the remittance setting information in the storage unit 23. In this way, the remittance setting information can be stored in advance in the storage unit 23. In addition, the remittance setting information acquisition unit 222 may have the function of acquiring remittance setting information from the user terminal 3, linking it to the salary account ID of the target salary account, and storing the remittance setting information in the memory unit 23.

[0038] For example, when the remittance setting information acquisition unit 222 acquires salary transfer information from the salary transfer determination unit 221, it reads and acquires the remittance setting information stored in the memory unit 23 in association with the salary account ID contained in the salary transfer information, based on the salary account ID. In addition, the remittance setting information acquisition unit 222 may, for example, when it acquires deposit information from the salary transfer determination unit 221, read and acquire the remittance setting information stored in the memory unit 23 in association with the salary account ID contained in the salary transfer information, based on the salary account ID. When the remittance setting information acquisition unit 222 acquires the remittance setting information from the storage unit 23 , it outputs the acquired remittance setting information to the remittance execution unit 223 .

[0039] (Remittance Execution Department) When it is determined that a salary transfer has been made, the remittance execution unit 223 executes a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information. The remittance setting information includes at least an ID unique to the remittance account (hereinafter referred to as the "remittance account ID") and the amount to be remitted to the remittance account. of The remittance setting information includes information indicating the remittance amount (hereinafter referred to as "remittance amount information"). The number of remittance destination accounts set for one salary account may be one or multiple. When multiple remittance destination accounts are set as remittance destinations, the remittance setting information includes the remittance destination account ID for each of the multiple remittance destination accounts. The remittance setting information includes remittance amount information linked to each of the one or multiple remittance destination account IDs. In addition, the remittance destination account set for the salary account may be any account other than the salary account, as long as it has the same name as the salary account (such as the name of user A).

[0040] The remittance amount information may, for example, be a specific amount only, an amount according to certain conditions being set when certain conditions are met, or a specific amount being set when certain conditions are met. The specific condition is, for example, information indicating that the balance of the salary account after the salary transfer to the salary account exceeds a predetermined amount (hereinafter referred to as the "set balance upper limit amount"). In this case, the remittance amount information is, for example, the amount exceeding the set balance upper limit amount, which is linked to the remittance amount information. Remittance Account ID indicates Remittance The information may be a command to transfer money to a destination account, or a predetermined specific amount may be linked to the transfer amount information. Remittance Account ID indicates Remittance The information may also be information instructing a transfer to a destination account. The specific condition may be, for example, information indicating that the amount of salary deposited into a salary account exceeds a predetermined amount (hereinafter referred to as the "set deposit upper limit amount"). In this case, the remittance amount information may be, for example, information indicating the amount of the amount that exceeds the set deposit upper limit amount, which is linked to the remittance amount information. Remittance Account ID indicates Remittance The information may be a command to transfer money to a destination account, or a predetermined specific amount may be linked to the transfer amount information. Remittance Account ID indicates Remittance The information may also be information instructing a transfer to a destination account.

[0041] The remittance setting information may also be such that the type of salary is set as a specific condition, and a remittance account ID and an amount as remittance amount information are set for each type of salary. In this case, the remittance execution unit 223 executes the remittance process based on the remittance account and amount predetermined for each type of salary indicated by the remittance setting information.

[0042] The remittance execution unit 223 determines whether the pay is a regular salary, a bonus, or another type of pay, for example, based on summary information at the time of pay transfer. When the server 2 obtains information instructing a salary transfer from the bank system (hereinafter referred to as "salary transfer instruction information"), the salary transfer instruction information includes summary information indicating the type of salary. The summary information indicating the type of salary is, for example, text information such as "regular salary", "bonus", or "other salary", "retirement allowance", "business trip expenses" or "advance expenses" indicating other salary. The remittance execution unit 223 determines the type of salary transferred based on the summary information included in the salary transfer instruction information, and remits the amount set for the determined type of salary to the remittance destination account set for the determined type of salary based on the remittance setting information and the determined type of salary.

[0043] There may also be cases where the summary information does not include information indicating regular salary, bonus, or other salary, and the remittance execution unit 223 is unable to determine the type of salary based on the summary information. In this case, the remittance execution unit 223 may determine that the transferred salary is a regular salary if the salary transfer date specified in the salary transfer instruction information is the same as or about one day off the monthly regular salary transfer date (a fixed day every month) and the transfer amount is about the same as the monthly regular salary. Similarly, the remittance execution unit 223 may determine that the transferred salary is a bonus if the salary transfer date specified in the salary transfer instruction information is the same as or about one day off the bonus transfer date of a specified month (a fixed day in a specified month) and the transfer amount is about the same as the previous bonus for the same month. In addition, if a certain deposit in a certain month is judged to be a regular salary once by this judgment method, and then there is another deposit in the same month that may be judged to be a regular salary, the remittance execution unit 223 may judge such a deposit from the second time onwards as "other salary." The same applies to bonuses. The remittance execution unit 223 can make such a determination if information on past determinations of the type of salary is stored in the storage unit 23.

[0044] (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 display unit 33, an operation unit 34, and a storage unit 35.

[0045] 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 4 (network 4 is not shown in FIG. 3). The communication unit 31 may also include a short-range wireless communication means such as Bluetooth (registered trademark).

[0046] The calculation unit 32 controls the overall operation of the user terminal 3. The calculation unit 32 has the functions of an operation information acquisition unit 321 and a remittance setting information transmission unit 322. When a remittance setting application is installed in the user terminal 3, the calculation unit 32 executes the remittance setting application, whereby the calculation unit 32 realizes the functions of the operation information acquisition unit 321 and the remittance setting information transmission unit 322. When the remittance setting application is executed on the server 2, the calculation unit 32 receives an instruction from the server 2, whereby the calculation unit 32 realizes the functions of the operation information acquisition unit 321 and the remittance setting information transmission unit 322.

[0047] The display unit 33 is a display device included in the user terminal 3. The display unit 33 is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electroluminescence) display device.

[0048] The operation unit 34 is an input device that accepts operations on the screen display of the display unit 33 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 33. When the user terminal 3 is a PC, the operation unit 34 is, for example, a mouse or a keyboard. The storage unit 35 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. 4. The storage unit 35 stores a remittance setting application, and stores data used for the calculation processing of the calculation unit 32. Note that the storage unit 35 may be provided outside the user terminal 3 as long as it is accessible by the user terminal 3.

[0049] (Operation information acquisition unit) The operation information acquisition unit 321 acquires operation information for sending remittance setting information, which indicates the amount of remittance to which destination account should be processed from the balance of the salary account when a salary transfer is made to the salary account, to the server 2 that manages the salary account. When the operation unit 34 accepts an input operation of remittance setting information by user A and an operation to confirm the input content, the operation information acquisition unit 321 acquires operation information indicating the input operation and the confirmation operation from the operation unit 34. Hereinafter, the input operation and the confirmation operation are collectively referred to as the "remittance setting operation." The remittance setting operation is an operation that user A performs on the operation unit 34 of the user terminal 3 in order to confirm the content of the remittance setting information and send the remittance setting information to the server 2. The operation information acquisition unit 321 outputs the acquired operation information to the remittance setting information transmission unit.

[0050] A specific example of a remittance setting operation performed by user A will be described with reference to Fig. 5. Fig. 5 is a screen diagram showing an example of a remittance setting operation. When user A uses the operation unit 34 of the user terminal 3 to first perform an operation to display a screen for remittance setting operations, the user terminal 3 displays, for example, screen 33A shown on the left side of Fig. 4 on the display unit 33. Screen 33A for remittance setting operations is also a management screen for managing the salary transfer destinations of user A. The text "Manage salary transfer destinations" indicating this is displayed on screen 33A.

[0051] Screen 33A also displays that out of the amount deposited in the salary account as regular salary, the monthly average amount used by User A in the most recent three months is 12,345 yen, and out of the amount deposited in the salary account as bonus, the average amount used per bonus is 200,000 yen. Note that, since no amount has been deposited in the salary account as other salary in the past, the past average amount used is left blank. Using these amounts as a reference, User A can set how much money to leave in the salary account when the salary is deposited into the salary account, or how much money to deposit into the destination account when the salary is deposited into the salary account, in other words, how much money to transfer to the destination account. Hereinafter, the destination account will be assumed to be a bank account in the name of User A.

[0052] Furthermore, a "Set transfer destination" button is displayed on screen 33A. When user A taps the "Set transfer destination" button, user terminal 3 displays screen 33B, which is the second from the left in FIG. Screen 33B displays text such as "Manage your salary transfer destination" along with buttons 331B to 333B. Button 331B displays the text "Decide the amount to transfer to your bank account," button 332B displays the text "Decide the amount to leave in this salary account," and button 333B displays the text "Cancel." User A can display screen 33C for setting the amount to be transferred to the bank account by tapping button 331B, and can display a screen (not shown) for setting the amount to be left in the salary account by tapping button 332B. User A can also cancel the transfer destination setting by tapping button 333B, and return the screen display to the state before screen 33A was displayed, for example.

[0053] When user A taps button 331B, user terminal 3 displays screen 33C, the third from the left in Fig. 4, on display unit 33. Screen 33C displays a display field 331C for the amount to be automatically transferred together with the words "Amount to be automatically transferred to bank account." It should be noted that the screen (not shown) that is displayed when user A taps button 332B is similar to screen 33C, and the only difference between the two screens is that display field 331C is displayed with the words "Amount to leave in this salary account."

[0054] Furthermore, a numeric keypad 332C, a button 333C, and a button 334C are displayed on screen 33C. The words "Set to Input Amount" are displayed on button 333C, and the words "Set to Full Amount" are displayed on button 332B. When user A taps button 332B, operation information acquisition unit 321 acquires operation information indicating that the entire amount of salary to be deposited in the salary account is to be automatically transferred to the bank account.

[0055] On the other hand, when user A taps numeric keypad 332C, the amount desired for automatic transfer to the bank account is displayed in display field 331C. User A can check the amount to be transferred to the bank account by referring to display field 331C. After user A checks the amount to be automatically transferred to the bank account, when user A further taps button 333C, operation information acquisition unit 321 acquires operation information including the amount information displayed in display field 331C, as well as the ID of the bank account to which this amount is set (remittance destination account ID). When the operation information acquisition unit 321 acquires the operation information, it outputs the acquired operation information to the remittance setting information transmission unit 322 .

[0056] (Remittance setting information sending section) When the remittance setting information transmitting unit 322 acquires the operation information from the operation information acquiring unit 321 , it transmits the remittance setting information to the server 2 . When the remittance setting information sending unit 322 acquires the operation information from the operation information acquiring unit 321, it generates remittance setting information based on the acquired operation information and transmits the generated remittance setting information to the server 2. As described above, the remittance setting information includes at least the remittance destination account ID and remittance amount information.

[0057] In addition, in the screen displayed when user A taps button 332B, when user A taps numeric keypad 332C to display the amount in display field 331C and then taps button 333C, the amount displayed in display field 331C as the above-mentioned set upper limit amount is set in the remittance destination setting information, for example. In this case, the amount of the transferred salary that exceeds the set upper limit amount in the salary account is transferred to the bank account. Also, instead of setting the set upper limit amount, the remittance destination setting information may be set with specific conditions such that the amount displayed in display field 331C is left in the salary account and the amount exceeding this amount is transferred to the bank account.

[0058] Also, when user A operates screen 33C, which is displayed when user A taps button 331B, to specify the amount to be transferred to the bank account as a fixed amount, normally, the specified fixed amount of the salary deposited in the salary account is transferred to the bank account, but if the amount of the deposited salary falls below the specified fixed amount, for example, up to the entire amount of the deposited salary may be transferred to the bank account. Alternatively, in a similar situation, if the amount of the deposited salary falls below the specified fixed amount, the specified fixed amount may be set to be transferred to the bank account as much as possible based on the deposited salary and the balance before the salary is deposited. If the amount of the deposited salary falls below the specified fixed amount, it is desirable that at least one of the screens 33A to 33C shown in FIG. 5 displays which of the above will be handled.

[0059] (program) 4 is a block diagram showing a hardware configuration for realizing the functions of the server 2 or the user terminal 3. For example, the functions of the server 2 are realized by a calculation unit 22. The calculation unit 22 has, as its hardware configuration, a communication interface 100, an input / output interface 101, a processor 102, and a memory 103. The functions of the salary transfer determination unit 221, the remittance setting information acquisition unit 222, and the remittance execution unit 223 provided in the calculation unit 22 are realized by this hardware configuration.

[0060] The communication interface 100 outputs data received from the user terminal 3 via the network 4 to the processor 102 by the communication unit 21, and transmits data generated by the processor 102 to the user terminal 3 via the network 4. The processor 102 controls reading and writing of data from and to the storage unit 23 via the input / output interface 101.

[0061] An application program (remittance processing application) for realizing each function of the salary transfer determination unit 221, the remittance setting information acquisition unit 222 and the remittance execution unit 223 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. In this way, the processor 102 realizes each function of the salary transfer determination unit 221, the remittance setting information acquisition unit 222 and the remittance execution unit 223.

[0062] The functions of the user terminal 3 are realized by the calculation unit 32. The calculation unit 32 has, as hardware components, a communication interface 100, an input / output interface 101, a processor 102, and a memory 103. The functions of the operation information acquisition unit 321 and the remittance setting information transmission unit 322 included in the calculation unit 32 are realized by these hardware components.

[0063] The communication interface 100 outputs data received from each device via the network 4 by the communication unit 31 to the processor 102, and transmits data generated by the processor 102 to each device via the network 4. The processor 102 controls the display of the display unit 33 and acquires operation information from the operation unit 34 via the input / output interface 101.

[0064] When a remittance setting application is installed in the user terminal 3, an application program (remittance setting application) for realizing each function of the operation information acquisition unit 321 and the remittance setting information transmission unit 322 is stored in the memory 103. The memory 103 is, for example, a semiconductor memory mounted on a smartphone.

[0065] When the remittance setting application is installed in the user terminal 3, the processor 102 executes a program loaded from the storage unit 35 to the memory 103 via the input / output interface 101. In this way, the processor 102 realizes the functions of an operation information acquisition unit 321 and a remittance setting information transmission unit 322.

[0066] (Information processing method) 6 is a flowchart showing an information processing method executed by the server 2 according to embodiment 1. The remittance processing application for the server 2 to perform remittance processing etc. is constantly running so that remittance setting information from the user terminal 3 can be obtained at any time. The salary transfer determination unit 221 determines whether a salary transfer has been made to the salary account used for digital salary payment (step ST1). If it is determined that a salary transfer has not been made (step ST1; NO), the series of processes in FIG. 6 is terminated, and the process from step ST1 is repeated again.

[0067] For example, if it is determined that a salary transfer has been made (step ST1; YES), the remittance setting information acquisition unit 222 acquires the remittance setting information from the storage unit 23 (step ST2). Furthermore, if it is determined that a salary transfer has been made, the remittance execution unit 223 executes a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information (step ST3).

[0068] As described above, the remittance setting information acquisition unit 222 may acquire the remittance setting information in step ST2 whenever there is a transfer to the salary account, regardless of whether it is determined that the salary transfer has been made. In this case, the salary transfer determination unit 221 may determine that the salary transfer has been made in step ST1, and the remittance setting information acquisition unit 222 may acquire the remittance setting information in step ST2 in parallel.

[0069] As described above, the server 2 in embodiment 1 comprises a salary transfer determination unit 221 which determines whether a salary transfer has been made to a salary account, which is an account used for digital salary payment, a remittance setting information acquisition unit 222 which acquires from the memory unit 23 remittance setting information which has been sent in advance from a user terminal 3 used by user A of the salary account to manage the salary account and stored in the memory unit 23, and a remittance execution unit 223 which, when it is determined that a salary transfer has been made, executes a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information. Therefore, the program (remittance processing application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to provide a user who pays his / her salary digitally with a technology that allows the user to flexibly change the amount of salary transferred to multiple accounts used by the user.

[0070] As mentioned above, when a salary recipient, such as a user who uses digital salary payment, has multiple accounts, it would be very convenient for the salary recipient if there was a mechanism that allowed the salary recipient to flexibly change the amount of salary transfer to each account. Although the user could go through the procedure to change the settings of the account to which the salary is transferred to with the salary payer, such a procedure is usually cumbersome and inconvenient for the user. For example, such a procedure must be done through the human resources department or general affairs department of the company that pays the salary, and there are also cases where the procedure can only be done when the user is at work, so it is expected that the user cannot easily set it up. In contrast, by using the server 2 that executes the program (remittance processing application) of the first embodiment, the user can use the user terminal 3 to input remittance setting information to the server 2. To By simply sending the message, you can flexibly change the amount of your salary deposited into each account at any time. In reality, server 2 transfers some or all of the salary that has been deposited in the salary account to the remittance destination account. However, since this transfer is carried out automatically when the salary is deposited in the salary account, from the user's point of view, it has the same effect as if the salary had been transferred separately to the salary account and the remittance destination account.

[0071] In the server 2 according to the first embodiment, the remittance execution unit 223 may execute remittance processing based on a remittance destination account and an amount of money that are predetermined for each type of salary and are indicated by the remittance setting information. In this case, the program (remittance processing application) according to the first embodiment that causes a computer to function as the server 2 can be executed by the computer to execute remittance processing based on the remittance destination account and amount predetermined for each type of salary indicated by the remittance setting information. Therefore, the user can flexibly set the amount of salary to be transferred to each account according to the type of salary to be paid.

[0072] In the server 2 according to the first embodiment, the remittance execution unit 223 may determine the type of salary, such as regular salary, bonus, or other type, based on the summary information at the time of salary transfer. This server 2 can determine the type of salary. In this case, the program (remittance processing application) according to the first embodiment that causes a computer to function as the server 2 can be executed by the computer to determine the type of salary as regular salary, bonus, or other salary. Therefore, the user can flexibly set the amount of salary to be transferred to each account depending on whether the type of salary to be paid is regular salary, bonus, or other salary.

[0073] In the server 2 according to embodiment 1, the salary transfer determination unit 221 may determine whether or not a deposit into a salary account is a salary transfer based on information about the workplace of user A of the salary account that was registered when the salary account was set up. A salary account is designated as a salary account when a user performs a salary account designation procedure with a salary payer, and unlike other fund transfer accounts, remittance setting information can be linked to the salary account, but since the salary account also serves as a normal fund transfer account, funds other than salary may be deposited into the salary account. Therefore, when a deposit is made into a salary account, server 2 needs to determine whether the deposit is a salary transfer or not. In this case, the program (remittance processing application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to determine whether a deposit into a salary account is a salary transfer based on the information about the workplace of user A of the salary account that was registered when the salary account was set up.

[0074] In the server 2 according to embodiment 1, the salary transfer determination unit 221 may determine whether or not a deposit into a salary account is a salary transfer based on category information registered by the user of the salary account at the time of a past salary transfer to the salary account. In this case, the program (remittance processing application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to determine whether a deposit into a salary account is a salary transfer based on the category information registered by the user of the salary account at the time of a previous salary transfer to the salary account.

[0075] In the server 2 according to embodiment 1, the salary transfer determination unit 221 may determine that a salary transfer has been made when a deposit is made into a dedicated salary account that is set as a salary account and accepts only salary transfers. In this case, the program (remittance processing application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to determine whether a deposit into a salary account is a salary transfer, and whether a salary transfer has been made when a deposit has been made into a dedicated salary account that is set as a salary account and which only accepts salary transfers.

[0076] The user terminal 3 in embodiment 1 comprises an operation information acquisition unit 321 which acquires operation information for sending remittance setting information indicating which remittance account and how much to transfer from the balance of the salary account when a salary transfer is made to the salary account to the server 2 which manages the salary account, and a remittance setting information transmission unit 322 which, upon acquiring the operation information, transmits the remittance setting information to the server 2. Therefore, the program (remittance setting application) of embodiment 1 which causes a computer to function as a user terminal 3 can be executed by the computer and cooperate with the server 2 to provide a user who pays his / her salary digitally with a technology that enables the user to flexibly change the amount of salary transfers to multiple accounts used by the user.

[0077] A server executing the program (remittance processing application) according to embodiment 1 can provide a user who pays his / her salary digitally with a technology that allows the user to flexibly change the amount of salary transfers to multiple accounts used by the user.

[0078] The user terminal 3 executing the program (remittance setting application) relating to embodiment 1 can cooperate with the server 2 to provide a user who pays his / her salary digitally with a technology that enables the user to flexibly change the amount of salary transfers to multiple accounts used by the user.

[0079] The information processing system 1 according to the first embodiment includes the above-mentioned server 2 and user terminal 3. This information processing system 1 can provide a user who pays his / her salary digitally with a technology that enables the user to flexibly change the amount of salary transfer to multiple accounts used by the user.

[0080] The information processing method according to the first embodiment includes step ST1 in which the salary transfer determination unit 221 determines that a salary transfer has been made to a salary account, which is an account used for digital salary payment; step ST2 in which the remittance setting information acquisition unit 222 acquires from the memory unit 23 remittance setting information that has been sent in advance from a user terminal 3 used by a user of the salary account to manage the salary account and stored in the memory unit 23; and step ST3 in which the remittance execution unit 223, if it is determined that a salary transfer has been made, executes a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information. As a result, the information processing method according to the first embodiment can provide a user who pays his / her salary digitally with a technique that enables the user to flexibly change the amount of salary to be transferred to multiple accounts used by the user. [Explanation of symbols]

[0081] 1 information processing system, 2 server, 3 user terminal, 4 network, 21, 31 communication unit, 22, 32 calculation unit, 23, 35 memory unit, 33 display unit, 33A, 33B, 33C screen, 34 operation unit, 100 communication interface, 101 input / output interface, 102 processor, 103 memory, 221 salary transfer determination unit, 222 remittance setting information acquisition unit, 223 remittance execution unit, 321 operation information acquisition unit, 322 remittance setting information transmission unit, 331B, 332B, 333B, 333C, 334C buttons, 331C display column, 332C numeric keypad.

Claims

1. Computer, a storage unit that stores in advance information identifying a salary account used for digital salary payment in association with information identifying a user of the salary account, and when the user acquires remittance setting information including information indicating a remittance destination account and remittance amount information indicating an amount to be remitted to the remittance destination account from a user terminal used by the user to manage the salary account, stores the acquired remittance setting information in association with the information identifying the salary account; a salary transfer determination unit that determines whether a salary transfer has been made to the salary account; a remittance setting information acquisition unit that acquires the remittance setting information from the storage unit; a remittance execution unit that executes a remittance process from the balance of the salary account to the remittance destination account in an amount indicated by the remittance amount information in accordance with the remittance setting information when it is determined that the salary transfer has been made, A program characterized by:

2. The computer, The remittance execution unit executes the remittance process based on the remittance destination account and the amount of remittance, which are specified in advance for each type of salary, as indicated by the remittance setting information. Functioning as the server 2. The program according to claim 1 .

3. The computer, The remittance execution unit determines whether the type of salary is regular salary, bonus, or other salary based on summary information at the time of salary transfer. Functioning as the server 3. The program according to claim 2 .

4. The computer, The salary transfer determination unit determines whether or not a deposit into the salary account is made by salary transfer based on information on the employer of the user of the salary account registered when the salary account was set up. Functioning as the server 2. The program according to claim 1 .

5. The computer, the salary transfer determination unit determines whether or not a deposit into the salary account is a salary transfer based on category information registered by a user of the salary account at the time of a past salary transfer into the salary account; Functioning as the server 2. The program according to claim 1 .

6. The computer, The salary transfer determination unit determines that the salary transfer has been made when a deposit has been made into a salary-only account that is set as the salary account and into which only the salary transfer is to be made. Functioning as the server 2. The program according to claim 1 .

7. The computer, the remittance execution unit executes the remittance process based on the multiple remittance destination accounts and the amounts associated with each of the multiple remittance destination accounts, as indicated by the remittance setting information; Functioning as the server 2. The program according to claim 1 .

8. The computer, the remittance execution unit executes the remittance process to the remittance destination account, which is the user's bank account, indicated by the remittance setting information; Functioning as the server 2. The program according to claim 1 .

9. A computer comprising: A salary transfer determination unit that determines whether a salary transfer has been made to a salary account that is an account used for digital salary payment; a remittance setting information acquisition unit that acquires remittance setting information from the storage unit, the remittance setting information having been transmitted in advance from a user terminal used by a user of the salary account to manage the salary account and stored in the storage unit; a remittance execution unit that executes a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information when it is determined that the salary transfer has been made, the salary transfer determination unit determines whether or not a deposit into the salary account is a salary transfer based on category information registered by a user of the salary account at the time of a past salary transfer into the salary account; Acting as a server A program characterized by:

10. A server that executes the program according to any one of claims 1 to 9.

11. A server according to claim 10; a user terminal for a user of the salary account to manage the salary account, the user terminal including: an operation information acquisition unit that acquires operation information for transmitting to the server the remittance setting information indicating which amount of remittance should be processed to which remittance destination account from the balance of the salary account when a salary is transferred to the salary account; and a remittance setting information transmission unit that transmits the remittance setting information to the server upon acquiring the operation information. An information processing system comprising:

12. An information processing method executed by a server, comprising: a storage unit storing information for identifying a salary account, which is an account used for digital salary payment, in advance in association with information for identifying a user of the salary account, and when the user obtains remittance setting information including information indicating a remittance destination account and remittance amount information indicating an amount to be remitted to the remittance destination account from a user terminal for managing the salary account, storing the obtained remittance setting information in association with the information for identifying the salary account; A step of a salary transfer determination unit determining that a salary transfer has been made to the salary account; A remittance setting information acquisition unit acquires the remittance setting information from the storage unit; a remittance execution unit, when it is determined that the salary transfer has been made, executing a remittance process for the amount indicated by the remittance amount information from the balance of the salary account to the remittance destination account in accordance with the remittance setting information.

23. An information processing method comprising:

13. An information processing method executed by a server, comprising: A step in which a salary transfer determination unit determines that a salary transfer has been made to a salary account that is an account used for digital salary payment; a remittance setting information acquisition unit acquiring remittance setting information from the storage unit, the remittance setting information having been transmitted in advance from a user terminal used by a user of the salary account to manage the salary account and stored in the storage unit; a remittance execution unit, when it is determined that the salary transfer has been made, executing a remittance process of a preset amount from the balance of the salary account to a preset remittance destination account in accordance with the remittance setting information; the salary transfer determination unit determines whether or not a deposit into the salary account is a salary transfer based on category information registered by a user of the salary account at the time of a past salary transfer into the salary account; 23. An information processing method comprising:

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