Information Processing Method, Information Processing Apparatus, and Information Processing Program

Abstract

To provide an information processing method, an information processing device and an information processing program which are capable of flexibly adapting to the payment method of salary desired by an employee, and which can improve the convenience.SOLUTION: An information processing method according to the present disclosure is a method for managing the salary of a company employee, and causes an information processing device to execute a step for receiving, from the terminal of the employee, the dividing percentage of the salary; a step for receiving, from the terminal of the company, the total salary of the employee, and a step for associating the amount of money calculated on the basis of the dividing percentage for at least a part of the salary with an employee account associated with the employee.SELECTED DRAWING: Figure 7

Description

Technical Field

[0001] The present disclosure relates to an information processing method, an information processing apparatus, and an information processing program.

Background Art

[0002] In principle, the payment of wages (salaries) to workers such as employees must be made in cash on a fixed date at least once a month, and in exceptional cases where the consent of the worker is obtained, it can be replaced by a deposit to a financial institution or the like. For example, Patent Document 1 describes, in addition to a payment management system for paying employees' salaries by transfer to a financial institution, an example of paying salaries in points. In this case, the points are, for example, electronic money or points in web point services that can be used for various settlements, and can be used instead of cash by performing settlements etc. through point transfer, and can also be paid out as cash.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] By the way, when paying salaries to employees, if the company to which the employee belongs holds the settlement business for salary payment, it is common for that company to conduct cash disbursement or transfer to the employee's account at a financial institution as part of the settlement business. On the other hand, when the company does not hold the settlement business for salary payment, for example, as described in Patent Document 1, a method is used in which a loan is made from a predetermined management operator to a payment operator, and the salary amount is transferred from the payment company to the employee's account at a financial institution. In any case, usually, in accordance with the above-mentioned principle, the salary is often paid to the employee's account at a financial institution on a fixed date (salary payment date) more than once a month.

[0005] On the other hand, some employees may wish to transfer money to other accounts (accounts) other than financial institutions at appropriate times according to, for example, their current asset status and payment needs. However, it has been difficult to flexibly respond to such employee wishes with the above-mentioned conventional salary payment methods.

[0006] Therefore, in one aspect, the present disclosure has been made in view of such circumstances, and an object thereof is to provide an information processing method, an information processing apparatus, and an information processing program that can flexibly respond to the salary payment method desired by an employee and improve convenience.

Means for Solving the Problems

[0007] An information processing method according to an embodiment of the present disclosure is an information processing method for paying salaries to employees of a company, the information processing apparatus receiving, from the terminal of the employee, the split ratio of the salary, receiving, from the terminal of the company, the total salary of the employee, and associating at least a part of the salary with an amount calculated based on the split ratio and an employee account associated with the employee.

[0008] Here, the "enterprise" in the present disclosure includes juridical persons (including for-profit juridical persons such as stock companies, limited companies, limited liability partnerships, joint stock companies, general partnerships, etc., and non-profit juridical persons such as school juridical persons, medical juridical persons, religious juridical persons, NPO juridical persons, etc.), as well as public juridical persons (public corporations, public financial institutions, public companies, etc.), and further includes individuals such as sole proprietors and freelancers. Also, the "employee" in the present disclosure refers to a person who provides services as an enterprise activity and receives consideration therefor, for example, a worker who works based on an employment contract with an enterprise (including regular employees, contract employees, part-timers, etc.), and a worker who works under a contract in a form other than an employment contract with an enterprise (including officers, business contractors, subcontractors, etc.).

Brief Description of Drawings

[0009]

Figure 1

Figure 2

Figure 3

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Figure 6

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Figure 10

Mode for Carrying Out the Invention

[0010] <Compliance with Laws and Regulations> When the disclosure described in this specification is implemented, it is implemented while complying with the laws of each country in which the present disclosure is implemented. Further, the disclosure described in this specification is implemented with all changes, substitutions, deformations, modifications, and corrections that can be made by those skilled in the art necessary to comply with the laws of each country.

[0011] A mode for implementing the information processing method, information processing program, and information processing apparatus according to the present disclosure will be described with reference to the drawings.

[0012] <System Configuration> FIG. 1 shows the configuration of a communication system 1 for effectively implementing an information processing method according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, servers 110A, 110B, 110C, 110D and terminals 120A, 120B, 120C are connected via a network 130.

[0013] In the present disclosure, when it is not necessary to distinguish between the server 110A, the server 110B, the server 110C, and the server 110D, the server 110A, the server 110B, the server 110C, and the server 110D may each be represented as a server 110.

[0014] In the present disclosure, when it is not necessary to distinguish between the terminal 120A, the terminal 120B, and the terminal 120C, the terminal 120A, the terminal 120B, and the terminal 120C may each be represented as a terminal 120.

[0015] In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may each be represented as an information processing apparatus 200. Note that the number of information processing apparatuses 200 connected to the network 130 is not limited.

[0016] Server 110 provides a predetermined service to terminal 120 used by a user via network 130. The predetermined service includes, by way of example and not limitation, a salary management service, a payment service, a financial service, a commercial transaction service, an SNS (Social Networking Service) represented by an instant messenger, a content providing service such as a music, video, or book service, and the like. By using the predetermined service via terminal 120, server 110 can provide the predetermined service to one or more terminals 120.

[0017] In the present disclosure, the payment service means a service in which one or more users can exchange money or something equivalent to money. By way of example and not limitation, it includes a service that performs payment using a one-dimensional code (such as a barcode), a two-dimensional code (such as a QR code (registered trademark)) (hereinafter, the one-dimensional code and the two-dimensional code are collectively referred to as "two-dimensional code etc." or "identification code"), near-field wireless communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.). Also, when the terminal 120 of the user (payer) who makes the payment reads a two-dimensional code etc. to make the payment, it is expressed as "user-read type code payment" or "MPM (Merchant Presented Mode)", and the terminal 120 of the user who makes the payment displays a two-dimensional code etc., and the terminal 120 of the user (seller, claimant) such as the store side that claims the payment reads the displayed two-dimensional code etc. to make the payment is expressed as "store-read type code payment" or "CPM (Consumer Presented Mode)". Note that MPM and CPM may be dynamic or static.

[0018] If necessary, the terminal used by user X is represented as terminal 120X. Note that user information is information of a user associated with an account used by the user in a predetermined service. User information includes, but is not limited to, as examples, information associated with the user such as the name of the user input by the user or given by a predetermined service, the icon image of the user, the age of the user, the gender of the user, the address of the user, the hobbies and interests of the user, the identifier of the user, the balance information of the electronic value (electronic money) associated with the user, and the credit card information (such as the credit card number) associated with the user, and may be any one or a combination of these.

[0019] Network 130 plays a role of connecting two or more information processing devices 200. Network 130 means a communication network that provides a connection path so that data can be transmitted and received after the terminal 120 is connected to the server 110.

[0020] One or more parts of Network 130 may be a wired network or a wireless network. Network 130 includes, by way of example and not limitation, an Ad Hoc Network, an intranet, an extranet, a Virtual Private Network (VPN), a Local Area Network (LAN), a Wireless LAN (WLAN), a Wide Area Network (WAN), a Wireless WAN (WWAN), a Metropolitan Area Network (MAN), a part of the Internet, a part of the Public Switched Telephone Network (PSTN), a cellular phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (registered trademark), satellite communications, etc., or any combination of two or more thereof. Network 130 can include one or more Networks 130.

[0021] The information processing apparatus 200 may be any information processing apparatus as long as it can realize the functions and methods described in the present disclosure. The information processing apparatus 200 includes, by way of non-limiting example, smartphones, mobile phones (feature phones), computers (by way of non-limiting example, desktops, laptops, tablets, etc.), server apparatuses, media computer platforms (by way of non-limiting example, cable, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (by way of non-limiting example, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (by way of non-limiting example, glasses-type devices, watch-type devices, etc.), other types of computers, or communication platforms.

[0022] <Hardware Configuration> With reference to FIG. 2, the hardware configuration of the information processing apparatus 200 included in the communication system 1 will be described.

[0023] The information processing apparatus 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. Each component of the hardware of the information processing apparatus 200 is interconnected with each other via a bus B by way of non-limiting example.

[0024] The information processing apparatus 200 realizes the functions and / or methods described in the present disclosure through the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205.

[0025] The processor 201 executes functions and methods realized by code or instructions included in a program stored in the storage 203. The processor 201 includes, by way of non-limiting example, a central processing unit (CPU), a micro processing unit (MPU), a graphics processing unit (GPU), a microprocessor, a processor core, a multiprocessor, an application-specific integrated circuit (ASIC), a field programmable gate array (FPGA), etc., and may realize each process disclosed in each embodiment by a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or a dedicated circuit. Also, these circuits may be realized by one or more integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Also, depending on the degree of integration, LSI may also be referred to as VLSI, super LSI, ultra LSI, etc.

[0026] The memory 202 temporarily stores a program loaded from the storage 203 and provides a working area for the processor 201. Various data generated while the processor 201 is executing the program are also temporarily stored in the memory 202. The memory 202 includes, by way of non-limiting example, a random access memory (RAM), a read only memory (ROM), etc.

[0027] The storage 203 stores a program. The storage 203 includes, by way of non-limiting example, a hard disk drive (HDD), a solid state drive (SSD), a flash memory, etc.

[0028] The communication I / F 205 transmits and receives various data via the network 130. Such communication may be performed either by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The communication I / F 205 has a function of executing communication with other information processing apparatuses via the network 130. The communication I / F 205 transmits various data to other information processing apparatuses according to instructions from the processor 201. Also, the communication I / F 205 receives various data transmitted from other information processing apparatuses and transfers them to the processor 201.

[0029] The input / output I / F 204 includes an input device that inputs various operations to the information processing apparatus 200 and an output device that outputs the processing results processed by the information processing apparatus 200. The input / output I / F 204 may integrate the input device and the output device, or may separate them into the input device and the output device.

[0030] The input device is realized by any one or a combination of all types of devices that can receive an input from a user and transfer information related to the input to the processor 201. The input device includes, by way of example and not limitation, hardware keys such as a touch panel, a touch display, a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

[0031] The output device is realized by any one or a combination of all types of devices that can output the processing result processed by the processor 201. When the processing result is output as a video or moving image, the output device is realized by any one or a combination of all types of devices that can display the display data according to the display data written in the frame buffer. The output device includes, by way of non-limiting example, a touch panel, a touch display, a monitor (by way of non-limiting example, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head-mounted display (HDM: Head Mounted Display), projection mapping, a hologram, a device capable of displaying an image, text information, etc. in the air (which may be in a vacuum), a speaker (for audio output), a printer, etc. Note that these output devices may be capable of displaying display data in 3D.

[0032] The program of each embodiment of the present disclosure may be provided in a state stored in a computer-readable storage medium. The storage medium can store the program in a "non-transitory tangible medium". The program includes, by way of non-limiting example, a software program or a computer program.

[0033] The storage medium can include, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) (by way of non-limiting example, a field-programmable gate array (FPGA), an application-specific IC (ASIC), etc.), a hard disk drive (HDD), a hybrid hard drive (HHD), an optical disk, an optical disk drive (ODD), a magneto-optical disk, a magneto-optical drive, a floppy disk, a floppy disk drive (FDD), a magnetic tape, a solid state drive (SSD), a RAM drive, a secure digital card or drive, any other suitable storage medium, or a suitable combination of two or more of these. The storage medium can be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

[0034] In addition, the program of the present disclosure may be provided to the information processing apparatus 200 via any transmission medium (such as a communication network or a broadcast wave) capable of transmitting the program. Further, each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

[0035] Note that the program of the present disclosure may be implemented using, by way of non-limiting example, scripting languages such as JavaScript (registered trademark) and Python, C language, Go language, Swift Kotlin, Java (registered trademark), and the like.

[0036] At least a part of the processing in the information processing apparatus 200 may be realized by cloud computing configured by one or more computers.

[0037] At least a part of the processing in the information processing apparatus 200 may be configured to be performed by another information processing apparatus. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be configured to be performed by another information processing apparatus.

[0038] <Others> Unless otherwise explicitly stated, or indicated by the context, the determination configuration in the embodiments of the present disclosure is not essential, and a predetermined process may be operated when the determination condition is satisfied, or a predetermined process may be performed when the determination condition is not satisfied.

[0039] In the present disclosure, unless otherwise specified or indicated by the context, "at least one of A and B" means "A, B, or both". Further, unless otherwise specified or indicated by the context, "a", "an", or "the" shall mean "one or more". Therefore, in this specification, unless otherwise explicitly stated or indicated by the context, "an A" or "the A" means "one or more As".

[0040] This disclosure encompasses all changes, substitutions, variations, modifications, or amendments that can be made by those skilled in the art to the embodiments and examples of this disclosure. Also, the appended claims encompass all changes, substitutions, variations, modifications, or amendments that can be made by those skilled in the art to the embodiments and examples of this disclosure. Furthermore, this disclosure encompasses any combination of one or more features of an embodiment or example in this disclosure with one or more features of another embodiment or example in this disclosure that can be made by those skilled in the art.

[0041] In addition, references in the appended claims to an apparatus or system or a component of an apparatus or system that is adapted, arranged, capable, configured, usable, operable, or operative to perform a particular function include that apparatus, system, or component, whether or not that apparatus, system, or component or its particular function is activated, turned on, or unlocked, so long as that apparatus, system, or component is so adapted, arranged, capable, configured, made usable, made operable, or operative.

[0042] This disclosure may obtain consent from the user in advance or immediately before implementation when implementing any embodiment or example, unless otherwise specified. Also, the consent obtained may be comprehensive or obtained each time.

[0043] Hereinafter, embodiments according to an example of this disclosure will be described with reference to the drawings. However, the embodiments described below are merely examples and are not intended to exclude various modifications and applications of technologies not explicitly described below. That is, an example of this disclosure can be implemented with various modifications without departing from its gist. Also, in the description of the following drawings, the same or similar parts are denoted by the same or similar reference numerals, and the drawings are schematic and not necessarily in accordance with actual dimensions, ratios, etc. Furthermore, there may be parts where the dimensional relationships and ratios between the drawings are different from each other.

[0044] <First Embodiment> The first embodiment is an embodiment showing an application example to a system for paying salaries to employees, in which a company CO that does not hold a settlement business for paying salaries to employees pays salaries to employees through a settlement operator KA that substitutes for salary payments. In this embodiment, for example, the salary of employee A is distributed to a plurality of accounts, that is, not limited, but by way of example, an account associated with an employee account JA opened at a settlement operator KA (which may be referred to as an "employee account JA"), an account associated with an employee account JB opened at a settlement operator KB (which may be referred to as an "employee account JB"), and an employee account JD of a financial institution designated by employee A, and at least a part of the total salary of employee A is paid at a predetermined split ratio.

[0045] Figure 3 is a schematic diagram schematically showing an outline of the configuration of a salary management system according to the first embodiment. In this configuration, a plurality of information processing devices 200, for example, a terminal 120A of employee A, a server 110A of settlement operator KA, a server 110B of settlement operator KB, a server 110C of company CO to which employee A belongs, and a server 110D of a financial institution designated by employee A, construct a salary management system 1000.

[0046] In the salary management system 1000, user information of each employee is provided from the terminal 120 of each employee or to company CO by appropriate means. Also, each employee notifies company CO from the terminal 120 of the employee or by appropriate means of the split ratio W of the salary distributed to the employee account at each settlement operator and the employee account of the financial institution as the salary receipt settlement means as part of the user information. Also, company CO holds the user information J10 of each employee in server 110C together with the user information and the internal information of each employee within the company (user information table). Also, server 110C of company CO holds various information regarding company CO as company information J20 in server 110C (company information table).

[0047] The enterprise server 110C transmits the necessary information among the user information J10 and the enterprise information J20 to the server 110A of the settlement operator KA. The server 110A functions as a salary management server (main server) in the salary management system 1000, and based on the enterprise information J20 of each enterprise using the salary management service and the user information J10 of each employee belonging to each enterprise, for example, creates a salary management table T10 in the format shown in FIG. 4. Note that FIG. 4 is an example of a monthly salary management table T10 in the enterprise CO to which employee A belongs. In the salary management table T10 shown in the figure, the total salary and the split ratio W of the salary are associated with each employee or employee ID. In this example, the amount for the financial institution is specified by the absolute value of the amount, and the amounts for the settlement operators KA and KB are specified by the relative values (percentages) with respect to the amount excluding the financial institution. Note that the split ratio W may be specified by relative values (such as percentages) including the amount for the financial institution.

[0048] Based on the salary management table T10, the server 110A of the settlement operator KA calculates, for each employee of each enterprise, the amount MA allocated to the employee account JA in the settlement operator KA and the amount MB allocated to the employee account JB in the settlement operator KB out of the total salary of the employee. Then, the server 110A associates those amounts MA and MB and the amount MD allocated to the employee account JD of the financial institution with the employee accounts JA and JB and the employee account JD. Here, the server 110A may manage the calculated amounts MA and MB in a format added to the salary management table T10 shown in FIG. 4, or may manage them as a salary management table T11 in a format in which the relative values of the split ratio W in FIG. 4 are rewritten with the amounts MA and MB as shown in FIG. 5.

[0049] Here, when calculating amounts MA and MB from the breakdown ratio W of employee B shown in FIG. 4 (total salary: 400,000 yen, for settlement provider KA: 60%, for settlement provider KB: 40%, for financial institution: 40,000 yen), we get MA = (40 - 4) × 0.6 = 216,000 yen and MB = (40 - 4) × 0.4 = 144,000 yen. However, in FIG. 5, rounding is performed in units of ten thousand yen, resulting in MA = 220,000 yen and MB = 140,000 yen respectively. As such, when rounding occurs when calculating amounts MA and MB, appropriate rounding may be performed in a predetermined unit.

[0050] Then, after performing a predetermined process, server 110A of settlement provider KA withdraws at least a part of amount MA from an appropriate corporate account and deposits it into employee account JA. Also, server 110B of settlement provider KB withdraws at least a part of amount MB from an appropriate corporate account and deposits it into employee account JB. Further, server 110D of the financial institution withdraws at least a part of amount MD from an appropriate corporate account in the financial institution and deposits it (transfers) into employee account JD. Note that "withdrawal" from an account may be expressed as subtracting the balance or value (electronic value, points, cash, etc.), and "deposit" and "transfer" into an account may be expressed as adding the balance or value.

[0051] Also, by way of non-limiting example, in this embodiment, as a predetermined process, a value including amount MA among the employee's salary is temporarily deposited into an account (which may be referred to as "corporate account KA account") associated with corporate account KA opened with settlement provider KA. And a value including amount MB among the employee's salary may be temporarily deposited into an account (which may be referred to as "corporate account KB account") associated with corporate account KB opened with settlement provider KB. In this case, for example, when there is a salary payment request from employee A, the requested amount of employee A's salary is from corporate account KA accounts CO associated with, (which may be the case of "corporate account KA account CO "). And a value including amount MB among the employee's salary is temporarily deposited into an account (which may be the case of "corporate account KB account CO ") associated with corporate account KB opened with settlement provider KB. In this case, for example, when there is a salary payment request from employee A, the requested amount of employee A's salary is from corporate account KA accounts CO associated with, (which may be the case of "corporate account KB account CO ,KB COBy moving from there to the employee accounts JA and JB, salary payment becomes possible.

[0052] As described above, the "employee accounts JA and JB" correspond to an example of the "employee account associated with the employee" in the present disclosure, and the "allocation ratio W" corresponds to an example of the "allocation ratio" in the present disclosure.

[0053] <Effects of the First Embodiment> According to the present embodiment, the salary of an employee of a company is distributed not only to the employee account in a financial institution but also to the employee account in a settlement business operator that provides a salary management service. At that time, the value calculated based on a predetermined allocation ratio is processed in association with the employee account in the settlement business operator. Therefore, it is possible to diversify the settlement means for the salary of the employee and flexibly respond to the salary payment amount and payment method desired by the employee. As a result, it is possible to improve the convenience for both the employee and the company.

[0054] Also, if the equivalent amount of the employee's salary is once deposited into the company accounts KA CO , KB CO and configured to be deposited into the employee accounts JA and JB in response to the salary payment request of Employee A, when there is no salary payment request from the employee, a predetermined value can be retained as an internal reserve in the company accounts KA CO , KB CO . Therefore, the value of the internal reserve can be used for investment, operation, and payment of the salaries of other employees. Furthermore, by using electronic value, points, etc. for the deposit into the company accounts KA CO , KB CO , and the employee accounts JB and JB, the remittance cost can be reduced or eliminated compared to the cash transfer to the account of a financial institution.

[0055] <Functional Configuration of the First Embodiment> The functional configurations of the server 110 and the terminal 120 will be described with reference to FIG. 6. FIG. 6 shows an example of a block diagram showing the functional configuration of an information processing apparatus constituting a salary management system according to the first embodiment, and is also a diagram showing the overall schematic configuration of a salary management system 1000 constructed by the information processing apparatus 200 (server 110 and terminal 120). The functional units disclosed in FIG. 6 are realized by the cooperation of a processor 201, a memory 202, a storage 203, an input / output I / F 204, and a communication I / F 205 included in the information processing apparatus 200. That is, the processor 201 of the information processing apparatus 200 shown in FIG. 2 expands various programs (salary management services, control programs related to other services, arithmetic programs, etc.) stored in the storage 203 into the memory 202 (for example, RAM). Then, the processor 201 interprets and executes the various programs expanded in the memory 202, and controls each hardware component, whereby the functional configuration described below is realized.

[0056] Note that each function realized by the information processing apparatus 200 may be realized by a processor 201 such as a general-purpose CPU, or a part or all of the functions may be realized by one or more dedicated processors 201. Furthermore, the functional configuration realized by the information processing apparatus 200 may be appropriately omitted, replaced, or added according to the embodiment or example.

[0057] (1) Functional Configuration of Server As shown in FIG. 6, the server 110 has an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314, and functions as a related server for a salary management service. The input / output I / F 311 corresponds to the input / output I / F 204 in FIG. 2, and the communication I / F 312 corresponds to the communication I / F 205 in FIG. 2. Further, the control unit 313 includes an information management unit 315, an account management unit 316, a deposit / withdrawal management unit 317, and a display management unit 318. Note that the functions or processes of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within the achievable range. In FIG. 6, for convenience, server 110A is assumed as the server 110. However, in each of the other servers (servers 110B, 100C, 110D), the basic functional configuration is common, and the control unit 313 can express functions unique to each server.

[0058] In the server 110, when the salary management system program stored in the storage unit 314 is executed by the processor 201, as described above, a salary management system 1000 is constructed that distributes the salaries of the employees of the company to the employee account of the settlement service provider and the employee account of the financial institution at a predetermined distribution ratio W. Further, the storage unit 314 stores information related to employees (user information J10), information related to the company (company information J20), and various other information J30.

[0059] Here, the user information J10 includes, by way of example and not limitation, basic information such as the employee ID, name, address, phone number, email address, etc. of each employee belonging to each company, and, by way of example and not limitation, information regarding the employee's affiliation, attendance status (working days, working hours, etc.), job type / function, hourly wage, daily wage, monthly wage, total salary, personnel evaluation, employee account at a financial institution, employee account at the employee's settlement provider, etc. Further, the company information J20 includes, by way of example and not limitation, the head office location, business type, phone number, capital, sales, profit, number of employees, establishment month / year, rating by a research company, credit rating, change / distribution of credit rating, credit, trading relationship, major shareholder, industry ranking, the settlement provider used by the company in the salary management system 1000 and the company account in that settlement provider, etc. Furthermore, the various information J30 includes, by way of example and not limitation, various setting parameters and calculation parameters necessary for the processes executed by the salary management system 1000, operation logs in the salary management system 1000, etc.

[0060] The information management unit 315 of the control unit 313 in the server 110 executes appropriate processes related to the following salary management services. That is, the information management unit 315 has functions such as holding, managing, transmitting and receiving the user information J10 associated with the employee ID and the company information J20 associated with the company ID, and transmitting and receiving various requests and notifications required among the company, employees, settlement providers, and financial institutions. Also, the account management unit 316 has functions such as updating and managing account information such as the employee account, company account, and the balance and deposit / withdrawal information of the company account and employee account at the financial institution. Furthermore, the deposit / withdrawal management unit 317 has functions such as receiving deposit / withdrawal requests required among the company, employees, settlement providers, and financial institutions and performing associated processes and management.

[0061] In addition, the display management unit 318 has a function of creating image data for displaying, as necessary, a user interface (UI) related to various processes by the salary management system 1000 via the input / output I / F 321 (output device) of the employee's terminal 120, and managing the same. The UI includes, but is not limited to, as examples, user information J10, company information J20, various information J30, and the operation state on the screen of the terminal 120, etc.

[0062] (2) Functional Configuration of the Terminal As shown in FIG. 6, the employee's terminal 120 has an input / output I / F 321, a communication I / F 322, a control unit 323, and a storage unit 324. The input / output I / F 321 corresponds to the input / output I / F 204 in FIG. 2, and the communication I / F 322 corresponds to the communication I / F 205 in FIG. 2. Further, the control unit 323 has an information management unit 325, an instruction processing unit 326, and a display processing unit 327. Note that the functions or processes of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within the achievable range.

[0063] In the employee's terminal 120, when the salary management system application (program) stored in the storage unit 324 is executed by the processor 201, the employee can access the salary management system 1000 and use salary management services including transmission of user information J10, transmission of salary payment (deposit) requests, and reception of various notifications.

[0064] In the terminal 120, the information management unit 325 of the control unit 323 has functions of managing input information (including user information J10) and input parameters by the employee necessary for various processes executed in the salary management system 1000, controlling various setting processes and various arithmetic processes in the terminal 120, transmitting requests to related servers (each server 110) of the salary management service, and receiving various notifications.

[0065] In addition, the instruction processing unit 326 has a function of performing processing related to user information J10, various requests, and instructions given by employees (such as instructions for various settings and changes) necessary for using the server 110 and other salary management services. Further, the display processing unit 327 has a function of displaying, via the input / output I / F 321 (output device) of the terminal 120, UI images in various settings and various processes in the salary management system 1000 executed on the employee's terminal 120 side, based on the image data transmitted from the server 110. In addition, as needed, it has a function of performing processing related to the creation of various image data performed by the display management unit 318 of the server 110 and managing it instead of the server 110.

[0066] <Operation Processing of the First Embodiment> Referring to FIG. 7, the processing of the salary management system 1000 according to the present embodiment will be described. FIG. 7 shows an example of a sequence diagram of the processing between each server 110 and the terminal 120 according to the first embodiment, and is also a diagram showing an example of a processing procedure in the information processing method according to the present disclosure. Note that the processing procedures described below are merely examples, and each process may be changed as much as possible within the scope of the technical idea of the present disclosure, and steps may be omitted, replaced, or added as appropriate.

[0067] (Step SP10) First, when employee A activates the terminal 120A and executes the salary management system application (program) at an arbitrary timing, a predetermined login screen is displayed via the input / output I / F 321 of the terminal 120A. When employee A inputs his / her login information from the input / output I / F 321 (input device), the instruction processing unit 326 transmits the information to the server 110 (for example, any one of servers 110A, 110B, 110C), which is the operation server of the salary management system 1000, and login is permitted. Then, the display management unit 318 transmits the image data of the initial screen to the terminal 120A. The display processing unit 327 of the terminal 120A displays the initial screen via the input / output I / F 321 (output device) based on the image data.

[0068] Note that the salary management system application can be provided, by way of example and not limitation, as an application installed and executed on terminal 120A, an online application executed on a web browser, an application installed on another terminal 120 or server 110 to which terminal 120A can be connected by short-range wireless communication, an application operating on a virtual network accessible by terminal 120A via a VPN, and the like.

[0069] Examples of the initial screen include, by way of example and not limitation, a specific screen prepared as a default, various setting screens, various service and e-commerce portal screens, their individual site screens, menu selection screens, the screen displayed at the time of employee A's last login, a custom screen by employee A, and a screen combining these. Then, in step SP10, when employee A inputs user information J10 from a screen for inputting his or her personal information and the like, information management unit 325 and instruction processing unit 326 transmit the user information J10 to server 110C of company CO to which employee A belongs.

[0070] (Step SP30) In step SP30, server 110C of the company that has received employee A's user information J10 from terminal 120A holds the user information together with the internal information within the company of employee A as employee A's user information J10, and transmits the necessary information among the user information J10 and company information J20 to server 110A of settlement operator KA. As such, step SP30 corresponds to an example of "the step of receiving the total salary of the employee from the company's terminal" in the present disclosure.

[0071] (Step SP50) In step SP50, server 110A of settlement operator KA is the company account KA of company CO in the salary management service provided by settlement operator KA CO, and check (authenticate) whether the employee accounts JA of Employee A are registered. If those accounts are not registered, Server 110A creates new corporate accounts KA CO and employee accounts JA. Also, Server 110A of settlement operator KA sends a request to Server 110B of settlement operator KB used by company CO to check (authenticate) the existence of corporate account KB of company CO in the salary management service provided by settlement operator KB CO , and the existence of employee account JB of Employee A. Further, if those accounts are not registered, Server 110B sends a request to Server 110B to newly create those corporate accounts KB CO and employee account JB.

[0072] Note that settlement operators KA and KB are operators pre-approved by company CO, and a contract regarding the use of the employee salary management service has been made between them. Also, Employee A has previously agreed with company CO on the payment of salary by the salary management system 1000. Thereby, the salary management of Employee A by company CO can be efficiently and reliably implemented.

[0073] (Step SP51) Next, in Step SP51, Server 110A of settlement operator KA creates a salary management table T10 illustrated in FIG. 4 for each employee of company CO that uses the salary management services of settlement operators KA and KB based on user information J10 and company information J20 sent from Server 110C of company CO.

[0074] (Steps SP52, SP11, SP53) At this time, if the wage allocation ratio W is not included in the user information J10 such as that of Employee A, in step SP52, the server 110A sends a request to set the allocation ratio W to the server 110A of the company CO or the terminal 120A of Employee A. Here, for example, as shown in FIG. 7, in step SP11, Employee A appropriately sets the allocation ratio W and sends the allocation ratio W from the terminal 120A to the server 110A. In step SP53, the server 110A creates or updates the wage management table T10 as shown in FIG. 4, for example. Even if the wage allocation ratio W is included in the user information J10 such as that of Employee A, a series of processes in steps SP52, SP11, and SP53 may be executed to prompt Employee A to review the allocation ratio W. As such, step SP11 corresponds to an example of the step of "receiving the wage allocation ratio from the employee's terminal" in the present disclosure. Also, when Employee A sets the allocation ratio W, it becomes easier to reflect the desires of Employee A, while when the company CO sets the allocation ratio W, there is an advantage that it becomes easier for the company CO to perform wage management.

[0075] Furthermore, in step SP53, the server 110A of the settlement operator KA calculates, based on the wage management table T10 illustrated in FIG. 4, the amount MA allocated to the employee account JA of the employee A of the company CO and the amount MB allocated to the employee account JB of the settlement operator KB among the total wage of the employee A of the company CO (the same applies to other employees). Then, the server 110A associates those amounts MA and MB with the employee accounts JA and JB, and creates a wage management table T11 including the amounts MA and MB as shown in FIG. 5, for example. Here, as described above, when a fraction occurs when calculating the amounts MA and MB from the relative values (percentages) of the allocation ratio W shown in FIG. 4, appropriate rounding processing may be performed in appropriate units (in FIG. 5, rounding processing is performed in units of ten thousand yen). As such, step SP53 corresponds to an example of the step of "associating the amount calculated based on the allocation ratio with respect to at least a part of the wage with the employee account associated with the employee" in the present disclosure.

[0076] (Steps SP31, SP54, SP55, SP70) Next, in step SP31, when a salary payment request for employee A is sent from server 110C of company CO to server 110A of settlement operator KA, in step SP54, server 110A transfers the full amount of the amount MA (240,000 yen) for settlement operator KA of employee A listed in the salary management table T11 shown in FIG. 5, for example, to the corporate account KA of company CO CO in full. Also, in step SP55, server 110A sends a payment request for the amount MB (60,000 yen) for settlement operator KB of employee A listed in the salary management table T11 shown in FIG. 5, for example, to server 110B of settlement operator KB. In step SP70, server 110B that has received the payment request transfers the full amount of the amount MB (60,000 yen) for settlement operator KB of employee A to the corporate account KB CO of company CO in full.

[0077] (Steps SP56, SP32) Corporate account KA CO , KB CO When the payments to are completed, in step SP56, settlement operators KA and KB send a payment completion notice from servers 110A and 110B to server 110C of company CO. At this time, the payment completion notice from settlement operator KB may be sent directly to server 110C or may be sent via server 110A of settlement operator KA. Then, in step SP32, server 110C of company CO sends a salary notice to terminal 120A of employee A. Note that in step SP56, the payment completion notices from servers 110A and 110B of settlement operators KA and KB may be sent directly to terminal 120A of employee A. In this case, since the payment completion notice also serves as a salary notice to employee A, step SP32 becomes unnecessary.

[0078] (Steps SP12, SP13) In step SP12, Employee A determines, at a desired timing, for example, the amount required at that time as the total salary, and in step SP13, sets the split ratio Ws in the total salary. The split ratio Ws here may be the same as or different from the previous split ratio W. As such, the "split ratio Ws" also corresponds to an example of the "split ratio" in the present disclosure.

[0079] (Step SP13) Next, in step SP13, a salary payment request including the information of the total salary is sent from the terminal 120A of Employee A to the server 110A of the settlement company KA. Here, the total salary that the employee can request for payment may be, for example, the same as the monthly total salary in FIGS. 4 and 5, or may be an amount within the range of the amounts reserved as Employee Accounts JA and JB in the corporate accounts KA CO , KB CO (the amounts that have been reserved but not yet received payment among the salaries paid so far). Also, at the time of this salary payment request, it may be possible to specify a split ratio Ws different from the split ratio W shown in FIGS. 4 and 5. When the company CO determines the split ratio W, the employee may not need to specify the split ratio Ws. Further, if the total salary and the split ratio W for which the payment is requested are the same as the conditions already set in FIGS. 4 and 5, for example, it may be configured to send only the salary payment request instruction.

[0080] (Step SP57) If the total salary and the split ratio W in the payment request are different from the conditions already set in FIGS. 4 and 5, for example, in step SP57, the server 110A creates or updates salary payment tables T20 and T21 in the formats shown in FIGS. 8 and 9, including information about other employees of employee A. If the total salary and the split ratio W in the payment request are the same as the values shown in FIGS. 4 and 5, the process of step SP57 is unnecessary. Thus, step SP57 also corresponds to an example of "associating an amount calculated based on the split ratio with respect to at least a part of the salary and an employee account associated with the employee" in the present disclosure. Note that these salary payment tables T20 and T21 may be created for each employee. Here, the salary payment tables T20 and T21 shown in FIGS. 8 and 9 correspond to the formats of the salary management tables T10 and T11 shown in FIGS. 4 and 5 above. Then, the server 110A sends a salary payment approval request to the server 110C of the company CO.

[0081] (Step SP33) In step SP33, if the total salary and the split ratio Ws for which payment is requested satisfy a predetermined condition (for example, whether the total salary and the transfer amounts for the settlement operators KA, KB, and the financial institution do not exceed their respective upper limit values, etc.), the server 110C sends a message to the server 110A indicating that it approves the salary payment request from employee A. However, even if the transfer amount exceeds the upper limit value, it may be configured to pay out as a loan to employee A. In this case, appropriate processing such as deducting from employee A's salary of the next month or compensating from other employee accounts is possible.

[0082] (Steps SP58, SP59, SP71, SP90) Next, in step SP58, the server 110A transfers the amount MA' (90,000 yen) for the settlement operator KA of employee A listed in the salary payment table T21 shown in FIG. 9, for example, to the company account KA of the company CO COIt deposits into the employee account JA of Employee A. Also, in step SP59, server 110A sends a deposit request for the amount MB’ (10,000 yen) for settlement operator KB of Employee A listed in the salary payment table T21 shown in FIG. 9, for example, and a deposit request for the amount MD’ (100,000 yen) of Employee A's financial institution to server 110B of settlement operator KB. In step SP71, server 110B that has received the deposit request deposits the amount MB’ (60,000 yen) for settlement operator KB of Employee A from the corporate account KB of company CO CO into the employee account JB of Employee A. Also, in step SP90, server 110D of the financial institution that has received the deposit request deposits (transfers) the amount MD’ (100,000 yen) for Employee A's financial institution from an appropriate corporate account of company CO at the financial institution to Employee A's employee account.

[0083] (Steps SP60, SP34) When the deposits into the employee accounts JA, JB and the employee account JD of the financial institution are completed, in step SP60, a payment completion notice is sent from servers 110A, 110B of settlement operators KA, KB and server 110D of the financial institution to server 110C of company CO. At this time, the payment completion notice from settlement operator KB and the financial institution may be sent directly to server 110C, or may be sent via server 110A of settlement operator KA. Then, in step SP34, server 110C of company CO sends a payment notice to terminal 120A of Employee A. Note that in step SP60, the payment completion notice from servers 110A, 110B of settlement operators KA, KB and server 110D of the financial institution may be sent directly to terminal 120A of Employee A. In this case, since the payment completion notice also serves as a payment notice to Employee A, step SP34 becomes unnecessary.

[0084] <<First Embodiment>> The first example of the first embodiment is an example in which user information such as employee A is managed not by the server 110C of company CO but by the server 110A of payment operator KA. In this example, employee A can directly request the generation of employee account JA from terminal 120A to the server 110A of payment operator KA. Also, the server 110A of payment operator KA manages the generated employee account JA in association with the company account KA of company CO prepared in advance. CO By this, in the configuration of this example, the salary management system 1000 is constructed by the terminal 120A of employee A, the server 110A of payment operator KA, the server 110B of payment operator KB, and the server 110D of the financial institution, and the employee account JA of employee A can be directly created and managed from terminal 120A to the salary management service operated by payment operator KA.

[0085] <<Effects of the First Example>> According to this example, it is not necessary to provide the server 110C of company CO as a salary management server for employees such as employee A. Accordingly, communication via the server 110C regarding salary management becomes unnecessary, and communication from the server 110C regarding salary management may be omitted. As a result, the labor of employees can be further reduced and convenience can be further improved, and the usage amount of resources of the information processing device and the data communication amount can be further reduced.

[0086] <<Operation Processing of the First Example>> In this embodiment, for example, except that the processes related to salary management by the server 110C such as the transmission of the employee information J10 in step SP30 shown in FIG. 7, the reception by the server 110C of the setting request for the split ratio W in step SP52, the salary payment request in step SP31, the salary notification in step SP32, the reception by the server 110C of the approval request in step SP57, the approval in step SP33, the reception by the server 110C of the payment completion notification in step SP60, and the payment notification in step SP34 become unnecessary, the same processes as those in the first embodiment shown in FIG. 7 are performed. Note that some processes such as the salary notification in step SP32, the reception by the server 110C of the approval request in step SP57, and the approval in step SP33 may be performed by the server 110C in the same manner as in the first embodiment.

[0087] <<Second Embodiment>> In the second embodiment of the first embodiment, in steps SP11 and SP12 in the sequence shown in FIG. 7, the employee A performs the setting process of the split ratios W, Ws, and the total salary using the user interface displayed on the terminal 120A.

[0088] <<Effects of the Second Embodiment>> According to this embodiment, when the employee A sets the split ratios W, Ws, and the total salary, compared with the case of using numerical input, for example, the operation can be performed simply and intuitively, and the visibility by the employee A can be enhanced. Therefore, the convenience of the employee A using the salary management system 1000 can be further improved. In addition, it is possible to prevent the operation by the employee A from becoming complicated, and thereby realize smooth processing in the salary management system 1000. Furthermore, compared with the case of displaying, for example, the input fields for the split ratios W, Ws, and the total salary and the input format in the form of a numerical table, a simple screen display can be realized. As a result, the usage amount of the resources of the information processing device and the data communication amount can be reduced.

[0089] <<Operation Processing of the Second Embodiment>> FIG. 10(A) and (B) show an example of a screen displayed on the terminal 120 according to this embodiment, and are also diagrams showing an example of some processes in the information processing method according to the present disclosure. As shown in FIG. 10(A), in this embodiment, in steps SP11 and SP12, a text TX1 indicating the total salary and a pie chart object OB1 are displayed on the terminal 120A of employee A. The text TX1 and the pie chart object OB1 in FIG. 10(A) correspond to, for example, the total salary and the transfer ratio Ws for employee A in the salary payment table T20 in the format shown in FIG. 8. That is, it is shown in FIG. 10(A) as case (1) that the total salary that employee A wishes to transfer is 1 million yen, the transfer ratio Ws is 50% each for the settlement operators KA and KB, and 300,000 yen for the financial institution.

[0090] Employee A can change the transfer ratio Ws from the state of this case (1) by, for example, the following operations. That is, when swiping downward in the figure (operation OP1) with the line segment R10 separating the financial institution portion and the settlement operator KA portion long-tapped and releasing the tap at the position of the line segment R11 (dashed line), the transfer amount for the financial institution portion can be changed from (1) 300,000 yen to (2) 400,000 yen. Similarly, when swiping upward and to the left in the figure (operation OP2) with the line segment R20 separating the settlement operators KA and KB long-tapped and releasing the tap at the position of the line segment R21 (dashed line), the transfer ratio of the settlement operators KA and KB can be changed from (1) 50%, 50% to (2) 60%, 40%. The corresponding amounts MA and MB are shown in FIG. 10(A) as case (2). In addition, when a fraction occurs in the amount due to the exact position of the line segments R11 and R21, fractional processing can be performed in appropriate units.

[0091] On the one hand, by pinching in the entire circular graph object OB1 of case (1) shown in FIG. 10(A) (operation OP3), the entire circular graph object OB1 can be reduced to the size of the circular graph object OB2 shown in FIG. 10(B), for example. At this time, the total salary can be decreased according to the total area of the circular graph object OB2, and in FIG. 10(B), the text TX2 indicating the changed total salary is displayed. That is, it is displayed that the total salary that employee A hopes to transfer is changed to 600,000 yen, the split ratio Ws is 50% each for the settlement operators KA and KB, and the amount for the financial institution is 180,000 yen. Even in the state shown in FIG. 10(B), the split ratio Ws can be further changed in the same manner as the description of FIG. 10(A). Conversely, by pinching out the entire circular graph object OB2 shown in FIG. 10(B) (operation OP4), the entire circular graph object OB2 can be enlarged to the size of the circular graph object OB1 shown in FIG. 10(A), for example.

[0092] As described above, the "circular graph objects OB1, OB2" correspond to an example of the "split ratio designation object" in the present disclosure. Also, displaying the states of FIGS. 10(A) and (B) corresponds to an example of the "step of transmitting an instruction to display a split ratio designation object for designating a split ratio" in the present disclosure, the "step of displaying a first display area associated with a first settlement operator within the split ratio designation object", and an example of the "step of displaying a second display area associated with a second settlement operator together with the first display area within the split ratio designation object". Further, the operations OP1 and OP2 shown in FIG. 10(A) correspond to an example of the "operation of increasing or decreasing the area of at least a part of a region according to a split ratio" in the present disclosure, and as a result, displaying the state of case (2) corresponds to a process included in an example of the "step of receiving a split ratio in response to an operation on a split ratio designation object from an employee" in the present disclosure.

[0093] In addition, the operation OP2 shown in FIG. 10(A) and its result correspond to an example of "increasing the ratio of the first settlement operator in the salary splitting ratio in response to the operation of enlarging the first display area of the employee", and an example of "decreasing the ratio of the second settlement operator in the salary splitting ratio in response to the operation of enlarging the first display area of the employee". Furthermore, the enlargement and reduction of the pie chart object by operations OP3 and OP4 correspond to an example of "changing the total area of the splitting ratio designation object" in the present disclosure. Also, as such, the operations and processes here correspond to those in the present disclosure.

[0094] <<Third Embodiment>> In the third embodiment of the first embodiment, a settlement operator KA that operates a salary management server (main server) in the salary management system 1000 proposes or recommends a review of the splitting ratio W set by employee A to employee A based on the splitting ratio W. In this embodiment, the server 110A of the settlement operator KA confirms the distribution between the settlement operators KA and KB in the splitting ratio W, and when the distribution to a settlement operator KB other than its own company (settlement operator KA) is larger than its own company's distribution, it sends a proposal or recommendation to increase the amount of money allocated to its own company (settlement operator KA) to the terminal 120A of employee A.

[0095] <<Effects of the Third Embodiment>> According to this embodiment, since the settlement operator KA that operates the server 110A as a salary management server holds the salary splitting ratio W of employees such as employee A as a salary management table, it is easy to confirm, and when the distribution to its own company (settlement operator KA) is small, it is in an environment where it is easy to propose a review of that ratio to employee A. In addition, as a result of proposing a review of the splitting ratio W in this way, there is an advantage that the distribution to the employee account JA of its own company (settlement operator KA) increases, and the deposit can be utilized as funds for the company's business.

[0096] <<Operation Processing of the Third Embodiment>> In this embodiment, for example, the server 110A of the settlement operator KA compares the relative value for its own company (settlement operator KA) and the relative value for the settlement operator KB in the split ratio W based on the salary management tables T10 and T11 created in step SP51 shown in FIG. 7. As a result, if the relative value for its own company (settlement operator KA) is smaller than the relative value for the settlement operator KB, in step SP52, a setting request for the split ratio W is sent to the server 110A of the company CO or the terminal 120A of the employee A, and at the same time, a recommendation to increase the allocation to the settlement operator KA is transmitted.

[0097] <<Fourth Embodiment>> The fourth embodiment of the first embodiment is an example in which a fee generated in connection with the processing of a salary payment request from the employee A is charged according to the frequency or interval of the salary payment request from the employee A.

[0098] <<Effects of the Fourth Embodiment>> According to this embodiment, it is possible to collect a fee commensurate with an increase in transactions (the number of transaction processes) that inevitably occurs due to a high frequency or short interval of salary payment requests (for example, in the case of daily payment instead of monthly payment). In addition, since it is expected that the increase in such transactions can be suppressed by charging, the amount of resource usage and data communication volume of the information processing apparatus can be further reduced.

[0099] <<Operation Processing of the Fourth Embodiment>> In this embodiment, for example, in step SP13 shown in FIG. 7, when a salary payment request is sent from employee A to the server 110A of the settlement operator KA, in step SP57, the server 110A measures the elapsed time since the previous salary payment while creating a salary payment table T20 and the like. Then, when the elapsed time is shorter than a predetermined value, a message indicating that a charge (fee) has occurred and a request for approval thereof are sent to the server 110C of the company CO or the terminal 120A of the employee A. The server 110A of the settlement operator KA continues the subsequent salary payment process only when a message indicating approval of the charge is sent from the server 110C or the terminal 120A. Note that the charge may be imposed on employee A or on company CO based on prior arrangements or contracts.

[0100] As described above, the above-described embodiments and examples as an example of the present disclosure have been described in detail. However, the foregoing description is merely an example of the present disclosure in all respects, and it goes without saying that various improvements and modifications can be made without departing from the scope of the present disclosure. Also, the above-described embodiments and the above examples may be partially replaced and may be configured by being appropriately combined. Furthermore, for example, changes as appropriately mentioned in each of the embodiments and examples are possible.

[0101] For example, the salary management system 1000 may not include the server 110D of the financial institution, that is, in the salary management system 1000, the transfer of salary to the financial institution may not be performed. Also, the portion for the financial institution in the split ratios W and Ws may be a relative value instead of an absolute value in terms of amount. Furthermore, the settlement operator KA that operates the salary management server 110A may be configured to charge for the payment processing to another settlement operator (for example, settlement operator KB). In this case, by way of example and not limitation, the amount of the charge can be determined according to the number of employees (users) who use the settlement operator KB, the number of employee accounts in the settlement operator KB, or the amount of money in circulation. Also, the settlement operator KA may be configured to charge the enterprise CO. Similarly in this case, by way of example and not limitation, the amount of the charge can be determined according to the number of employees (users) who use the salary management service, the number of employee accounts in the settlement operator KA, or the amount of money in circulation. Furthermore, in each of the individual settlement operators KA and KB, it may be configured such that a plurality of employee accounts can be registered for each employee. Additionally, a value equivalent to an appropriate fee may be paid to employees for whom no charge occurs.

Explanation of Signs

[0102] 1... communication system, 110, 110A, 110B, 110C, 110D... servers, 120, 120A, 120B, 120C... terminals, 130... network, 200... information processing device, 201... processor, 202... memory, 203... storage, 204... input / output interface (input / output I / F), 205... communication interface (communication I / F), 313... control unit, 314... storage unit, 315... information management unit, 316... account management unit, 317... deposit / withdrawal management unit, 318... display management unit, 323... control unit, 324... storage unit, 325... information management unit, 326... instruction processing unit, 327... display processing unit, 1000... salary management system, A... employee, B... bus, CO... enterprise, J10... user information, J20... enterprise information, J30... various information, JA... employee account, employee account number, B... employee account, employee account number, JD... employee account of the financial institution, KA... settlement operator, KA CO…Corporate account, corporate account number, KB…Payment service provider, KB CO …Corporate account, corporate account number, OB1, OB2…Pie chart object, OP1~OP4…Operations, R10, R11, R20, R21…Line segments, T10, T11…Salary management table, T20, T21…Salary payment table, TX1, TX2…Text, W, Ws…Split ratio.

Claims

1. An information processing method for paying salaries in electronic value to employees associated with an organization, comprising: an information processing apparatus: providing a payment service that enables the employee to use the electronic value; receiving a transfer instruction including an instruction to deposit at least a part of the salary in the electronic value from an information processing terminal used by the employee; identifying at least a part of the salary as a transfer amount based on the transfer instruction; when the transfer amount does not exceed the upper limit value, transferring and depositing an electronic value corresponding to the transfer amount to the employee account of the payment service associated with the employee, with the balance associated with the organization as the source; after the depositing step, notifying the information processing terminal used by the employee that the deposit has been made as the salary of the organization; An information processing method for performing the above steps.

2. The information processing method according to claim 1, wherein the depositing step is executed when requested by the employee at a desired timing.

3. Further comprising the step of calculating a charge amount to the organization based on at least one of the number of employees using the payment service, the number of employee accounts in the payment service, and the electronic value corresponding to the transfer amount. The information processing method according to claim 1 or 2.

4. The information processing apparatus: Further executing the step of proposing to change the content of the transfer instruction. The information processing method according to any one of claims 1 to 3.

5. The depositing step: The information processing method according to any one of claims 1 to 4, including depositing the electronic value from an account associated with the organization to the employee account.

6. The information processing apparatus: When the transfer amount exceeds the upper limit value, further executing a depositing step of performing a deposit different from the depositing process of the depositing step according to claim 1.

7. The information processing apparatus: The information processing method according to claim 1, further executing the step of depositing the excess amount exceeding the upper limit value as a loan to the employee.

8. The depositing step is executed when the employee has agreed to pay the salary in electronic value. The information processing method according to any one of claims 1 to 7.

9. The transfer instruction includes a transfer ratio for paying the salary of the employee with the electronic value, and the transfer ratio is determined by the employee. The information processing method according to any one of claims 1 to 8.

10. An information processing apparatus including a processor that pays the salary of an employee associated with an organization with an electronic value, wherein the processor provides a payment service that enables the employee to use the electronic value; receives a transfer instruction including an instruction to deposit at least a part of the salary with the electronic value from an information processing terminal used by the employee; identifies at least a part of the salary as a transfer amount based on the transfer instruction; when the transfer amount does not exceed the upper limit value, transfers and deposits an electronic value corresponding to the transfer amount to the employee account of the payment service associated with the employee, with the balance associated with the organization as the transfer source; after the depositing step, notifies the information processing terminal used by the employee that the deposit has been made as the salary of the organization; An information processing apparatus that executes.

11. In an information processing apparatus for paying the salary of an employee associated with an organization with an electronic value, providing a payment service that enables the employee to use the electronic value; receiving a transfer instruction including an instruction to deposit at least a part of the salary with the electronic value from an information processing terminal used by the employee; identifying at least a part of the salary as a transfer amount based on the transfer instruction; when the transfer amount does not exceed the upper limit value, transfers and deposits an electronic value corresponding to the transfer amount to the employee account of the payment service associated with the employee, with the balance associated with the organization as the transfer source; after the depositing step, notifying the information processing terminal used by the employee that the deposit has been made as the salary of the organization; A program that causes to execute.

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