Payroll system

Abstract

To provide a salary payment system, a salary payment device, and a registration device which provide benefits to both an organization that pays a salary and members that receive the salary. [Solution] A salary payment system 1 has a salary information storage means 12 that stores the salary amounts of affiliated members, a salary allocation information storage means 13 that stores salary allocation information registered by members using a registration device A, a lump-sum funds transfer means 17 that transfers funds equal to the total amount of the members' salaries stored in the salary information storage means 12 from the organization's account 32 to a specific account 20, an individual funds transfer means 18 that transfers the members' salaries stored in the salary information storage means 12 from the specific account 20 to each settlement account A1 that the member has opened in advance, and an allocation execution means 19 that automatically performs allocation processing from each member's settlement account A1 to other accounts A2, A3, A4 based on the allocation information stored in the salary allocation information storage means 13.

Description

[Technical field]

[0001] The present invention relates to a salary payment system, and more particularly to a salary payment system, a salary payment device, and a registration device that include a process for receiving salary in a manner other than legal tender, such as electronic money. [Background technology]

[0002] In recent years, a system has been proposed that allows employees to receive their salary in electronic money, and further, a system has been proposed that automatically distributes the salary that has been received (or will be received in the future) to the necessary transfer destinations (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] JP 2024-117430 A Summary of the Invention [Problem to be solved by the invention]

[0004] However, for the companies (organizations) that pay salaries, whether they pay salaries by traditional bank transfer or by transfer to an electronic money account, the effort and expense involved is the same, so there is no perceived benefit.

[0005] The present invention has been made in consideration of such problems, and aims to provide a salary payment system, salary payment device, and registration device that are beneficial to both the company (organization) that pays the salaries and the employees (members) that receive the salaries. [Means for solving the problem]

[0006] In order to achieve this object, the present invention provides a salary payment system having a salary information storage means for storing the salary amounts of multiple members belonging to an organization, a salary allocation information storage means for storing salary allocation information registered by the multiple members in a registration device, a lump-sum fund transfer means for transferring funds of the total amount of the salary amounts of the multiple members stored in the salary information storage means from an account of the organization to a specific account, an individual fund transfer means for transferring the salaries of the multiple members stored in the salary information storage means from the specific account to which funds have been transferred by the lump-sum fund transfer means to each settlement account opened in advance by the multiple members, and an allocation execution means for automatically performing allocation processing from the settlement account of each of the members to another account based on the allocation information stored in the salary allocation information storage means.

[0007] Furthermore, in addition to the configuration described above, the present invention is characterized in that it is a salary payment system that has an exchange means that can mutually exchange legal currency for any of other payment means including electronic money, electronic payment means, and crypto assets, and is configured to exchange the legal currency for the other payment means via the exchange means when depositing the legal currency from a legal currency account that handles the legal currency to the payment account of the other payment means, and when depositing the legal currency from the payment account to the legal currency account.

[0008] Furthermore, in addition to the configuration described above, the present invention is characterized in that the specific account is an account for any of electronic money, electronic payment means, and other payment means other than legal tender including crypto assets, and the bulk fund transfer means is configured to temporarily transfer funds in a lump sum from the account of the organization to a specified account for the legal tender, and then transfer the funds in a lump sum to the specific account, which is an account for the other payment means.

[0009] Furthermore, in addition to the configuration described above, the present invention is characterized in that, when the member opens a payment account for any of the other payment means including electronic money, electronic payment means, and crypto assets other than legal tender, a salary transfer account of the other payment means and a general account of the other payment means are automatically opened as the member's payment accounts, and the individual fund transfer means transfers the member's salary to the salary transfer account, and the allocation execution means deposits money from the salary transfer account to the general account, or the member manually deposits money from the salary transfer account to the general account so that a balance is held in the general account, thereby making the member's other payment means available for use.

[0010] In addition to the configuration described above, the present invention is characterized in that it is a salary payment system that is configured to automatically transfer the amount in excess of a predetermined amount to the registered excess transfer account of the member when the member's salary has been deposited into the settlement account by the individual funds transfer means and there is a balance in the settlement account that is greater than a predetermined amount, and when a certain amount of time has passed since the deposit or when a predetermined time has arrived.

[0011] Furthermore, in addition to the configuration described above, the present invention is characterized in that, when the individual funds transfer means transfers the salary from the specific account to the settlement account of the member, it refers to the allocation information in the salary allocation information storage means, causes the allocation execution means to execute an allocation process from the specific account to another account in accordance with the allocation information, and transfers the balance after allocation to the settlement account.

[0012] The present invention is also characterized in that it is a salary payment system having a salary information storage means for storing the salary amounts of multiple members belonging to an organization, a salary allocation information storage means for storing salary allocation information registered by the multiple members, an individual fund transfer means for transferring the salaries of the multiple members stored in the salary information storage means from a specific account to which funds of the total amount of the salary amounts of the multiple members stored in the salary information storage means have been transferred collectively from the account of the organization, to each settlement account opened in advance by the multiple members, and an allocation execution means for automatically performing allocation processing from the settlement account of each of the members to another account based on the allocation information stored in the salary allocation information storage means.

[0013] The present invention is also characterized in that it is a salary payment device having a salary information storage means for storing the salary amounts of multiple members belonging to an organization, a salary allocation information storage means for storing salary allocation information registered by the multiple members, an individual fund transfer means for transferring the salaries of the multiple members stored in the salary information storage means from a specific account to which funds of the total amount of the salary amounts of the multiple members stored in the salary information storage means have been transferred collectively from the account of the organization, to each settlement account opened in advance by the multiple members, and an allocation execution means for automatically performing allocation processing from the settlement account of each of the members to another account based on the allocation information stored in the salary allocation information storage means.

[0014] The present invention also provides a system for transferring a predetermined amount of salary from a specific account into which the total amount of the salaries of multiple members belonging to an organization is transferred collectively from the organization's account to a settlement account opened in advance by the member, and automatically performing a distribution process from the settlement account of the member to another account based on registered distribution information, the system being characterized in that the system has a registration device having a means for pre-registering distribution information including account information for distributing the salary to another account, the distribution amount, and the date of distribution. Effect of the Invention

[0015] According to the present invention, the total amount of the salaries of multiple members is transferred collectively from the organization's account to a specific account, and then the salaries are automatically allocated and transferred to each member's settlement account, and the allocation process for each member is automatically performed based on the allocation information registered by each member. This reduces the organization's work and transfer fees, as well as the members' work, thereby improving convenience and profits for both the organization and its members.

[0016] Furthermore, according to the present invention, the exchange process between legal tender and other means of payment can also be carried out within the system, making the process more convenient and quicker.

[0017] Furthermore, according to the present invention, since the specific account is composed of an account for other payment means, the exchange process between legal tender and other payment means can be carried out in advance, further simplifying the process for paying wages.

[0018] In addition, according to the present invention, by separating members' payment accounts into a salary transfer account of another payment method and a general account of another payment method, the flow of money when the salary is paid and the subsequent history of its use as electronic money can be managed separately, making it easy for members to understand and manage the flow of money.

[0019] In addition, according to the present invention, when the balance of the settlement account exceeds a predetermined amount, the amount is automatically transferred to a pre-registered excess transfer account, thereby improving the convenience of the members. Furthermore, since the excess amount is transferred after a certain time has passed since the deposit or at a predetermined time, it is possible to provide a service that takes into consideration the need to transfer funds manually.

[0020] Furthermore, according to the present invention, when it is known in advance that distribution settings have been made by a member, the distribution process can be performed immediately from a specific account, thereby enabling the salary distribution process to be completed more quickly.

[0021] Furthermore, according to the present invention, by simply registering distribution information, it is possible to simply and reliably execute the distribution process desired by the member. [Brief description of the drawings]

[0022] [Figure 1] 1 is a system configuration diagram illustrating a salary payment system according to an embodiment of the present invention. [Diagram 2] 2 is a flowchart illustrating a main flow of the salary payment system according to the embodiment. [Diagram 3] 13 is a flowchart illustrating the flow of a response to an excess balance in the salary payment system according to the embodiment. [Figure 4] FIG. 11 is a system configuration diagram illustrating another example of a salary payment system according to the embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0023] Hereinafter, an embodiment of the present invention will be described with reference to FIGS.

[0024] As shown in Fig. 1, the salary payment system 1 of this embodiment has a salary payment device 10, a specified account 20, a company (organization) system 30, terminals A and B as registration devices for employees (members) of the company (organization), bank accounts A3, A4, B3, and B4 to which money is transferred in the allocation process, and overdraft transfer accounts (designated alternative accounts) A5 and B5, which will be described later. Each component will be explained below. In Fig. 1 and Fig. 4, solid lines indicate the flow of money, and dotted lines indicate the flow of information.

[0025] The salary payment device 10 is composed of a computer such as a server, has control means 11 that controls the entire salary payment system 1, and further has settlement accounts (electronic money accounts in this case) A1, A2, B1, and B2 opened by each employee (each member). Although it is collectively described as a computer here, the salary payment device 10 may be composed of a single computer, or multiple computers may work together to form the salary payment device 10.

[0026] In this embodiment, the salary payment device 10 is provided with exchange means 14, 15 for mutually exchanging legal currency and electronic money. Here, the exchange means 14 for exchanging legal currency to electronic money and the exchange means 15 for exchanging electronic money to legal currency are described as separate configurations, but this is not limited thereto, and one exchange means may be configured to perform both the exchange process from legal currency to electronic money and the exchange process from electronic money to legal currency. In addition, there may be cases where the exchange means is not provided in the salary payment device 10. When exchanging legal currency to electronic money and when exchanging electronic money to legal currency, the exchange may be performed via an external exchange means, and then the money may be deposited into an electronic money account or an external bank account.

[0027] The control means 11 is programmed to control the entire salary payment system 1 as described above, and has a salary information storage means 12 as a database that stores salary information including the salary amount of each of the employees belonging to the company and the total amount sent from the control means 31 of the company's system 30, and a salary allocation information storage means 13 as a database that stores salary allocation information (appropriate information including account information for allocating salary to other accounts, allocation amount, and allocation execution date) that each of the employees has registered in advance on terminals (appropriate terminals such as mobile phones, tablets, PCs, etc.) A and B as registration devices. Note that the terminals A and B may be connected to the salary payment device 10 via a dedicated app, for example, or via a browser, and may be connected by any appropriate means.

[0028] The control means 11 also has a lump-sum fund transfer means 17 as an execution means for transferring the total amount of the salary of the multiple employees stored in the salary information storage means 12 from the company account 32 managed by the company to the specific account 20 managed by the salary payment device 10 in a lump sum via the control means 31 of the company's system 30. The control means 11 also has an individual fund transfer means 18 as an execution means for transferring the salaries of the multiple employees stored in the salary information storage means 12 from the specific account 20 to which the funds have been transferred by the lump-sum fund transfer means 17 to the electronic money accounts A1, B1 opened in advance by the multiple employees. The control means 11 also has an allocation execution means 19 as an execution means for automatically performing allocation processing from the electronic money accounts A1, B1 of the employees to the other accounts A2, A3, A4, B2, B3, B4 based on the allocation information stored in the salary allocation information storage means 13.

[0029] In this embodiment, when an employee opens an electronic money account to use the salary payment system 1, electronic money salary transfer accounts A1 and B1 and general accounts A2 and B2 used for payment management of electronic money are automatically opened as the employee's electronic money accounts. The salary transfer accounts A1 and B1 are literally accounts for transferring salary from the company, and the allocation execution means 19 is configured to transfer the salary from these accounts to other accounts A3, A4, B3, and B4, including the general accounts A2 and B2. The general accounts A2 and B2 are accounts from which amounts are debited according to the use of electronic money when making payments. The employee may manually transfer funds from the salary transfer accounts A1 and B1 to the general accounts A2 and B2. In this way, the employee's electronic money is made available by having a balance in the general accounts A2 and B2.

[0030] In addition, when an employee opens an electronic money account as a settlement account, a salary deposit account and a general account may not be opened automatically. For example, when an employee opens an electronic money account, a general account may be opened first, and then the salary deposit account may be opened manually by the employee. Conversely, when an employee opens an electronic money account, a salary deposit account may be opened, and then a general account may be opened manually.

[0031] In addition, there are cases where the electronic money accounts A1 and B1 cannot be deposited with an amount exceeding a certain amount (due to laws, regulations, etc.). In this embodiment, the salary allocation information storage means 13 is configured to set in advance excess transfer accounts A5 and B5 (also called designated alternative accounts) to which funds are forcibly transferred when the balance of the salary transfer accounts A1 and B1 exceeds a certain amount (for example, 100,000 yen, 800,000 yen, 1 million yen, etc.). Then, for example, for a day when a salary is transferred, it is confirmed whether the balance exceeds the certain amount after a certain time has passed (for example, 4 hours, 12 hours, 1 day, etc.) from the salary transfer or at a predetermined time (for example, 14:00, 15:30, etc.), and if it does, the allocation execution means 19 is configured to forcibly transfer the amount of the excess to the excess transfer accounts A5 and B5.

[0032] Here, the individual funds transfer means 18 is programmed with allocation settings set by the employee as well as allocation settings for excess, and is configured so that after the employee's salary is deposited into the salary deposit accounts A1, B1, if the salary deposit accounts A1, B1 have a balance greater than a predetermined amount and a certain amount of time has passed since the deposit or a predetermined time (fixed time) has arrived, the amount of the excess over the predetermined amount is automatically transferred to the registered excess transfer accounts A5, B5. Note that here, the settings are stored in the salary allocation information storage means 13 and are executed and processed by the individual funds transfer means 18, but this is not limiting and the settings may be programmed to be stored and executed by other means.

[0033] Next, each process in the above-described configuration will be described with reference to FIG. 2 and FIG.

[0034] First, the main processing for carrying out execution processing by the lump-sum funds transfer means 17, the individual funds transfer means 18, and the allocation execution means 19 based on the information in the salary information storage means 12 and the salary allocation information storage means 13 will be explained using FIG.

[0035] First, at a predetermined date and time before or on payday, the lump-sum fund transfer means 17 requests the company's control means 31 to transfer funds based on the payroll information storage means 12, and a lump-sum fund transfer instruction is issued to transfer the total amount of the salaries of multiple employees from the company account 32 to the specified account 20 in a lump (step S1). Note that the system 1 of the present invention may not have this lump-sum fund transfer means 17, and the company side may directly perform the lump-sum fund transfer operation using the company's control means 31. In this case, the system 1 of the present invention is configured to wait for the lump-sum fund transfer from the company side and then perform the processes from step 2 onwards.

[0036] Next, on payday, based on the salary information storage means 12, an individual funds transfer instruction is issued by the individual funds transfer means 18 to transfer the entire salary from the specified account 20 to the salary deposit accounts A1 and B1 of the electronic money accounts of each employee (step S2).

[0037] Thereafter, it is confirmed whether or not there is distribution setting information in the salary distribution information storage means 13 (step S3), and if there is no distribution setting information, the main process ends. If there is distribution setting information, the distribution execution means 19 next performs distribution processing from each employee's salary transfer account A1, B1 to each account A2, A3, A4, B2, B3, B4, etc. based on the salary distribution information storage means 13 (step S4), and the main process ends.

[0038] Next, the excess balance response process, which checks whether the amounts in the salary deposit accounts A1 and B1 exceed a certain amount and forcibly transfers the excess amount, will be described with reference to FIG.

[0039] First, it is determined whether or not the salary has been transferred to the salary transfer accounts A1 and B1 (step S11). If the salary has not yet been transferred, the system waits until the salary is transferred.

[0040] If the salary has been transferred, it is then determined whether a certain amount of time (e.g., a predetermined amount of time such as 4 hours, 8 hours, or 1 day) has passed since the salary was transferred (step S12). If the certain amount of time has not yet passed, the system waits until the time has passed. In addition to determining whether the certain amount of time has passed, it may also be determined whether a predetermined time (e.g., 14:00, 15:30, etc.) has passed.

[0041] When a certain period of time has passed or a predetermined time (fixed time) has arrived, it is next determined whether the balances of the salary deposit accounts A1 and B1 exceed a certain amount (step S13). If the balances do not exceed the certain amount, the process ends.

[0042] If the balance exceeds a certain amount, the excess amount is forcibly transferred to the preset excess transfer accounts A5 and B5 (step S14), and the process ends.

[0043] As described above, according to the salary payment system 1 of this embodiment, the total amount of the salaries of multiple employees is transferred collectively from the company account 32 to the specific account 20, and the salaries are automatically allocated and transferred to each employee's electronic money account (payment account) A1, B1. Furthermore, the allocation process for each employee is automatically executed based on the allocation information registered by each employee, which reduces the work and transfer fees for the company and also the work for employees, thereby improving convenience and profits for both the company and employees.

[0044] Furthermore, according to the salary payment system 1 of this embodiment, the exchange process between legal tender and electronic money (other payment means) can also be performed within the system, making it more convenient and allowing for faster processing.

[0045] Furthermore, according to the salary payment system 1 of this embodiment, by separating employees' electronic money (other payment means) accounts (payment accounts) into electronic money (other payment means) salary transfer accounts A1, B1 and electronic money (other payment means) general accounts A2, B2, the flow of money when the salary is paid and the subsequent history of use as electronic money (other payment means) can be managed separately, making it easy for employees to understand and manage the flow of money.

[0046] Furthermore, according to the salary payment system 1 of this embodiment, when the balance in the electronic money accounts A1, B1 exceeds a predetermined amount, the balance is automatically transferred to a preregistered excess transfer account (designated alternative account) A5, B5, thereby improving convenience for employees. Furthermore, since the excess amount is transferred after a certain time has passed since the deposit or at a predetermined time (fixed time), it is possible to provide a service that takes into consideration cases where funds are to be transferred manually.

[0047] Furthermore, according to the terminals (registration devices) A ​​and B of this embodiment, by simply registering distribution information, it is possible to simply and reliably execute the distribution process desired by the employee.

[0048] Although the present invention has been described using the above-mentioned embodiment, the above-mentioned embodiment is for the purpose of facilitating understanding of the present invention, and is not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit of the present invention, and equivalents thereof are also included in the present invention.

[0049] For example, in the salary payment system 1 and salary payment device 10 of the above-mentioned embodiment, a legal tender account is used as the specific account 20, and when the salary is paid, the account is exchanged into electronic money by the exchange means 14 and the funds are transferred to the electronic money accounts A1, B1 of each employee. However, this is not limited to this, and for example, as in the salary payment system 101 and salary payment device 110 shown in Figure 4, when funds are deposited from the corporate account 32 into the legal tender account 120, the funds are immediately deposited in a lump sum into a specific electronic money account 116 as a specific account via the exchange means 14, and from there the funds are transferred to the electronic money accounts A1, B1 as the settlement accounts of each employee when the salary is paid.

[0050] In this way, by configuring the specific account 116 as an electronic money account, the exchange process between legal tender and electronic money can be carried out in advance, further simplifying the process of paying wages.

[0051] In the above embodiment, the entire amount of each employee's salary is first transferred to the electronic money account (payment account) A1 or B1 of each employee, and then distributed to other accounts A2, A3, A4, B2, B3, and B4 registered in advance, but this is not limiting, and for example, the specific account 20 in Fig. 1 may be given distribution information from the salary distribution information storage means 13, and the salary may be transferred while performing distribution processing from the beginning. In other words, the salary of each employee is transferred to the distribution destination according to the distribution setting, and the remaining amount is deposited into the electronic money account A1 or B1 of each employee.

[0052] In this way, when it is known in advance that an employee has set up distribution settings, the distribution process can be performed immediately from the specified account 20, so that the salary distribution process can be completed more quickly.

[0053] In addition, in the above-described embodiment, each employee's electronic money account (payment account) was divided into a salary transfer account A1 and a general account A2, but this is not limited to this, and the salary transfer account and the general account may be configured as a single account.

[0054] In this case, the amount of fund transfer can be kept to a minimum, resulting in a quick and convenient configuration.

[0055] In addition, in the above embodiment, it was described that only the salary deposit accounts A1 and B1 are checked to see if their balances exceed a certain amount, but this is not limited to this, and general accounts A2 and B2 may also be checked in the same manner.

[0056] In addition, the general accounts A2 and B2 may be configured to check whether a certain amount is exceeded when performing allocation processing from the salary deposit accounts A1 and B1.

[0057] In addition, in the allocation information stored in the salary allocation information storage means 13, a bank account of legal currency and an electronic money account in the salary payment device 10 are set as allocation destinations, but this is not limited thereto, and for example, in addition to a bank account of legal currency and an electronic money account in the salary payment device 10, an account of other types of electronic money, an account of an electronic settlement means such as stable coin, an account of virtual currency (cryptocurrency) such as Bitcoin, an account of a securities company, an FX account, etc. may be set as appropriate. Also, based on such allocation information, the allocation execution means 19 may automatically perform allocation processing from each employee's settlement account A1, B1 to another account.

[0058] In addition, in the above-described embodiment, the settlement accounts A1 and B1 are composed of electronic money accounts, but this is not limited to this, and the settlement accounts may be composed of any appropriate account, such as an electronic settlement method account for stable coins or the like, a virtual currency (cryptocurrency) account for Bitcoin or the like, a securities company account, an FX account, etc.

[0059] In addition, the specified accounts 20, 116 may be composed of appropriate accounts such as accounts for electronic payment instruments such as stable coins, accounts for virtual currencies (crypto assets) such as Bitcoin, accounts with securities companies, and FX accounts, in addition to accounts for legal tender and electronic money.

[0060] In addition, the excess transfer accounts (designated alternative accounts) A5 and B5, to which funds are forcibly transferred when the balances of the payment accounts A1 and B1 exceed a certain amount using the information stored in the salary transfer information storage means 13 and the allocation execution means 19, are not limited to legal tender accounts as in the above-mentioned embodiment, and may be any appropriate account (even an account in someone else's name) such as an electronic money account, an electronic payment method account for stable coins or the like, a virtual currency (cryptocurrency) account for Bitcoin or the like, a securities company account, or an FX account.

[0061] Regarding the exchange means, in the above-described embodiment, different types of currencies (such as legal tender and electronic money) are exchanged via the exchange means, but this is not limited to this, and in cases where the rate is not particularly variable, the system may be one in which currencies are exchanged without going through a special means such as an exchange means. [Explanation of symbols]

[0062] 1,101 Payroll system 10,110 Payroll equipment 11. Control means for payroll device 12. Salary information storage means 13. Salary distribution information storage means 14,15 Means of exchange 17 Bulk fund transfer methods 18 Individual funds transfer methods 19 Allocation execution method 20 Special Account 30 Corporate Systems 31 Corporate Control Measures 32 Corporate accounts (organizational accounts) 116 Specific electronic money account (specific account) 120 Fiat Accounts A, B terminal (registration device) A1, B1 Salary transfer account (payment account, electronic money account) A2, B2 General accounts (payment accounts, electronic money accounts) A3, A4, B3, B4 Bank Account A5, B5 Excess transfer account (designated alternative account)

Claims

1. A payroll system having an organization system and a payroll payment device, The system of the organization a control means for transmitting information on the salary amount of each of a plurality of members belonging to the organization to the salary payment device, and for transferring the total amount of the salary amounts of each of the plurality of members transmitted to the salary payment device from the account of the organization to a specific account of legal tender for salary allocation managed by the salary payment device, The salary payment device, a salary information storage means for storing the salary amounts of each of the members belonging to the organization, the salary information being sent from the control means; a salary allocation information storage means for storing salary allocation information including account information of the allocation destination, the allocation amount, and the allocation execution date registered by each of the members; an individual fund transfer means for transferring the salaries of the plurality of employees stored in the salary information storage means from the specific account to which funds have been transferred by the control means to salary deposit accounts, which are electronic money accounts for receiving the respective salaries, which the plurality of employees have opened in advance in the salary payment device; an allocation execution means for reading out the allocation information of the member stored in the salary allocation information storage means after the salary of the member is transferred to the salary transfer account, and automatically performing an allocation process from the salary transfer account to one or more of the bank account of the set account information, a general account in the salary payment device used for electronic money payment management, an account for other types of electronic money, an electronic settlement means account, a cryptocurrency account, a securities company account, and an FX account on the set allocation execution date; A salary payment system comprising:

2. A payroll system having an organization system and a payroll payment device, The control means of the system of the organization a control means for transmitting information on the salary amount of each of a plurality of members belonging to the organization to the salary payment device, and for transferring the total amount of the salary amounts of each of the plurality of members transmitted to the salary payment device from an account of the organization to a specific electronic money account for salary allocation managed by the salary payment device, The salary payment device, a salary information storage means for storing the salary amounts of each of the members belonging to the organization, the salary information being sent from the control means; a salary allocation information storage means for storing salary allocation information including account information of the allocation destination, the allocation amount, and the allocation execution date registered by each of the members; an individual fund transfer means for transferring the salaries of the plurality of employees stored in the salary information storage means from the specific account to which funds have been transferred by the control means to salary deposit accounts, which are electronic money accounts for receiving the respective salaries, which the plurality of employees have opened in advance in the salary payment device; an allocation execution means for reading out the allocation information of the member stored in the salary allocation information storage means after the salary of the member is transferred to the salary transfer account, and automatically performing an allocation process from the salary transfer account to one or more of the bank account of the set account information, a general account in the salary payment device used for electronic money payment management, an account for other types of electronic money, an electronic settlement means account, a cryptocurrency account, a securities company account, and an FX account on the set allocation execution date; A salary payment system comprising:

3. A salary payment system as described in claim 1 or 2, characterized in that after the member's salary is deposited into the salary deposit account by the individual funds transfer means, if there is a balance in the salary deposit account that is greater than a predetermined amount, and a certain amount of time has passed since the deposit or a predetermined time has arrived, the salary payment system is configured to automatically transfer the amount in excess of the predetermined amount to the member's pre-registered excess transfer account in electronic money or legal tender.

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