Account balance transfer system

Abstract

To provide a system relating to a salary payment system which is advantageous for both an organization that pays salaries and members that receive salaries. [Solution] The system is configured to automatically transfer the amount in excess of the predetermined amount to the registered member's excess transfer account A5 or B5 when the account has a balance greater than a predetermined amount and a certain amount of time has passed since the deposit or when a predetermined time has arrived.

Description

[Technical Field]

[0001] The present invention relates to a payroll payment system, and more particularly to a payroll payment system that includes a process for receiving pay in a form 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 a system has also been proposed that automatically allocates the salary they have received (or will receive in the future) to the necessary transfer destinations (see, for example, Patent Document 1). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2024-117430 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 cost required are the same, and there is no perceived benefit.

[0005] The present invention has been made in consideration of such problems, and aims to provide a payroll payment system, payroll 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 is characterized by 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 on a registration device, a bulk fund transfer means for transferring funds equal to the total amount of the salaries of the multiple members stored in the salary information storage means from the 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 bulk 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 member 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 tender for any of other payment means including electronic money, electronic payment means, and crypto assets, and is configured to exchange the legal tender for the other payment means via the exchange means when depositing money from a legal tender account that handles the legal tender to the settlement account of the other payment means, and when depositing money from the settlement account to the legal tender 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 lump-sum fund transfer means is configured to transfer funds collectively from the organization's account to a designated account for the legal tender, and then transfer the funds collectively to the specific account, which is an account for the other payment means.

[0009] 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, or crypto assets other than legal tender, a salary deposit account for the other payment means and a general account for 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 deposit account, and the allocation execution means deposits money from the salary deposit account to the general account, or the member manually deposits money from the salary deposit account to the general account, thereby causing a balance to be held in the general account, thereby enabling the member's other payment means to become usable.

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

[0011] In addition to the configuration described above, the present invention is characterized in that the salary payment system is configured so that when the individual funds transfer means transfers the salary from the specified 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 specified 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 by 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 equivalent to the total amount of the salaries of the multiple members stored in the salary information storage means have been transferred collectively from the organization's account, 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 equivalent to the total amount of the salaries of the multiple members stored in the salary information storage means have been transferred collectively from the organization's account, 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] Furthermore, the present invention is a system that transfers a predetermined salary from a specific account into which the total amount of the salaries of multiple members belonging to an organization has been transferred collectively from the organization's account to a settlement account that the member has opened in advance, and automatically distributes the salary from the settlement account of the member to another account based on registered distribution information, and is characterized in that the system has a registration device that has a means for pre-registering distribution information including account information, distribution amount, and distribution execution date for distributing the salary to another account. [Effects of the Invention]

[0015] According to the present invention, the total amount of salaries of multiple members is transferred collectively from the organization's account to a specific account, and then each member's salary is automatically allocated and transferred to their 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 workload and transfer fees, as well as the members' workload, and improves 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 faster.

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

[0018] Furthermore, according to the present invention, by separating the payment accounts of members into a salary transfer account for other payment methods and a general account for other payment methods, the flow of money when the salary is paid and the subsequent history of use as electronic money can be managed separately, making it easier for members to manage the flow of money.

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

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

[0021] Furthermore, according to the present invention, by simply registering distribution information, it is possible to easily and reliably execute the distribution process desired by the member. [Brief explanation 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. [Figure 2] 2 is a flowchart illustrating a main flow of the salary payment system according to the embodiment. [Figure 3] 10 is a flowchart illustrating a response flow when a balance exceeds the limit in the salary payment system according to the embodiment. [Figure 4] FIG. 10 is a system configuration diagram illustrating another example of the salary payment system according to the embodiment. DETAILED DESCRIPTION OF THE INVENTION

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

[0024] As shown in Figure 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 funds are transferred in the allocation process, and overdraft transfer accounts (designated substitute accounts) A5 and B5, which will be described later. Each component is explained below. In Figures 1 and 4, solid lines indicate the flow of money, and dotted lines indicate the flow of information.

[0025] The salary payment device 10 is configured as 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). Note that although it is collectively referred to as a computer here, the salary payment device 10 may be configured as a single computer, or multiple computers may work together to form the salary payment device 10.

[0026] In this embodiment, the salary payment apparatus 10 is equipped with exchange means 14, 15 that exchange legal tender and electronic money mutually. Here, the exchange means 14 that exchanges legal tender to electronic money and the exchange means 15 that exchanges electronic money to legal tender are described as separate components, but this is not limiting. A single exchange means may be configured to perform both the exchange process from legal tender to electronic money and the exchange process from electronic money to legal tender. Furthermore, the exchange means may not be provided within the salary payment apparatus 10. When exchanging legal tender to electronic money and electronic money to legal tender, the exchange may be performed via an external exchange means, and then the amount may be deposited into an electronic money account, an external bank account, or the like.

[0027] As described above, the control means 11 is programmed to control the entire salary payment system 1, and includes a salary information storage means 12 as a database that stores salary information including the salary amounts of each of multiple 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 amounts, and allocation execution dates) that each of the multiple employees has registered in advance on terminals A and B (appropriate terminals such as mobile phones, tablets, PCs, etc.) that serve as registration devices. Note that terminals A and B may be connected to the salary payment device 10 via a dedicated app, for example, or via a browser, or by any appropriate means.

[0028] The control means 11 also has a bulk funds transfer means 17 as an execution means for transferring funds, the total amount of the salaries of multiple employees stored in the payroll information storage means 12, in a lump sum from a company account 32 managed by the company to a specific account 20 managed by the payroll payment device 10 via the control means 31 of the company's system 30. The control means 11 also has an individual funds transfer means 18 as an execution means for transferring the salaries of multiple employees stored in the payroll information storage means 12 from the specific account 20 to which funds have been transferred by the bulk funds transfer means 17 to the electronic money accounts A1 and B1 that have been opened in advance by the multiple employees. The control means 11 also has an allocation execution means 19 as an execution means for automatically allocating funds from each employee's electronic money accounts A1 and B1 to other accounts A2, A3, A4, B2, B3, and B4 based on the allocation information stored in the payroll 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 deposit accounts A1 and B1 and general accounts A2 and B2 used for electronic money payment management are automatically opened as the employee's electronic money accounts. The salary deposit accounts A1 and B1 are literally accounts into which the company deposits salary, and the allocation execution means 19 transfers the funds 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 their use when making payments as electronic money. The employee may manually transfer funds from the salary deposit accounts A1 and B1 to the general accounts A2 and B2. By creating a balance in the general accounts A2 and B2, the employee's electronic money becomes available for use.

[0030] Note that there may be a pattern in which a salary deposit account and a general account are not automatically opened when an employee opens an electronic money account as a payment account. For example, when an employee opens an electronic money account, a general account may be opened first, and then the employee may manually open a salary deposit account. Conversely, a salary deposit account may be opened when an electronic money account is opened, and then a general account may be opened manually.

[0031] In addition, there are cases where the electronic money accounts, such as salary deposit accounts A1 and B1, cannot be deposited with amounts exceeding a certain amount (due to laws, regulations, etc.). In this embodiment, the salary allocation information storage means 13 is configured to preset excess transfer accounts (also called designated alternative accounts) A5 and B5 to which funds are forcibly transferred when the balance of the salary deposit accounts A1 and B1 exceeds a certain amount (e.g., 100,000 yen, 800,000 yen, 1,000,000 yen, etc.). For example, on a day when a salary is deposited, the system checks whether the balance exceeds the certain amount a certain time after the salary is deposited (e.g., 4 hours, 12 hours, or 1 day) or at a predetermined time (e.g., 2:00 PM, 3:30 PM, etc.). If the balance exceeds the certain amount, the allocation execution means 19 forcibly transfers the excess amount to the excess transfer account 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 amounts, and is configured so that after the employee's salary is deposited into the salary deposit account A1, B1, if the balance in the salary deposit account A1, B1 is greater than a predetermined amount and a certain amount of time has passed since the deposit or at a predetermined time (fixed time), the amount in excess of the predetermined amount is automatically transferred to the registered excess transfer account A5, B5. Note that here, the settings are stored in the salary allocation information storage means 13 and executed by the individual funds transfer means 18, but this is not limited to this and the settings may be programmed to be stored and executed by means other than these.

[0033] Next, each process performed by the above-described configuration will be described with reference to FIGS.

[0034] First, the main processing that performs execution processing by the lump-sum fund transfer means 17, the individual fund 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. 2.

[0035] First, at a predetermined date and time before or on payday, based on the payroll information storage means 12, the bulk funds transfer means 17 requests the company's control means 31 to transfer funds, and a bulk funds transfer instruction is issued to transfer the total amount of salaries of multiple employees in bulk from the company account 32 to the specified account 20 (step S1). Note that the system 1 of the present invention may not have this bulk funds transfer means 17, and the company may directly perform the bulk funds 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 bulk funds 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 each employee's electronic money account (step S2).

[0037] Thereafter, it is checked 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 processing ends. If there is distribution setting information, then based on the salary distribution information storage means 13, the distribution execution means 19 performs distribution processing from each employee's salary transfer account A1, B1 to each account A2, A3, A4, B2, B3, B4, etc. (step S4), and the main processing ends.

[0038] Next, the process for handling excess balances, 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, the next step is to determine 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 possible to determine whether a predetermined time (e.g., 14:00, 15:30, etc.) has arrived.

[0041] When a certain period of time has elapsed 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 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, and the allocation process for each employee is automatically performed based on the allocation information registered by each employee.This reduces the effort and transfer fees for the company, as well as the effort 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, which makes the process more convenient and faster.

[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 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 and B1 exceeds a predetermined amount, the balance is automatically transferred to a pre-registered excess transfer account (designated alternative account) A5 and B5, thereby further 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), this service also takes into consideration cases where funds need to be transferred manually.

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

[0048] Although the present invention has been described using the above-described embodiments, the above-described embodiments are intended to facilitate understanding of the present invention and are not intended to limit the present invention. The present invention may be modified or improved without departing from the spirit and scope 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-described 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 each employee's electronic money account A1, B1. However, this is not limited to this. For example, as in the salary payment system 101 and salary payment device 110 shown in Figure 4, when funds are deposited from the company account 32 into the legal tender account 120, the funds are immediately deposited in bulk 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 when paying wages.

[0051] In the above-described embodiment, the entire salary of each employee is first transferred to the electronic money account (payment account) A1 or B1 of each employee, and then allocated to other pre-registered accounts A2, A3, A4, B2, B3, and B4. However, this is not limited to this. For example, the specific account 20 in Fig. 1 may be provided with allocation information from the salary allocation information storage means 13, and the salary may be transferred while the allocation process is being performed from the beginning. In other words, the salary of each employee is transferred to the allocation destination according to the allocation settings, and the remaining amount is deposited into the electronic money account A1 or B1 of each employee.

[0052] In this way, if 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] Furthermore, in the above-described embodiment, each employee's electronic money account (payment account) was divided into a salary deposit account A1 and a general account A2, but this is not limited to this, and the salary deposit account and 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] Furthermore, in the above-described 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 way.

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

[0057] Furthermore, in the allocation information stored in the above-mentioned salary allocation information storage means 13, bank accounts for legal tender and electronic money accounts in the salary payment device 10 are set as allocation destinations, but this is not limited to this, and for example, in addition to bank accounts for legal tender and electronic money accounts in the salary payment device 10, appropriate accounts such as accounts for other types of electronic money, electronic settlement means accounts for stable coins etc., virtual currency (crypto asset) accounts such as Bitcoin, securities company accounts, FX accounts, etc. may be set. Furthermore, based on such allocation information, allocation execution means 19 may automatically perform allocation processing from each employee's settlement accounts A1 and B1 to other accounts.

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

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

[0060] Furthermore, the excess transfer accounts (designated alternative accounts) A5 and B5, to which funds are forcibly transferred when the balances of the settlement 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, but may also be able to specify any appropriate account (even an account in someone else's name), such as an electronic money account, an electronic settlement method account for stable coins or the like, a virtual currency (crypto asset) account for Bitcoin or the like, a securities company account, or an FX account.

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

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

Claims

[Claim 1] You have an electronic money account that holds funds in electronic money, a means for measuring the time elapsed since a deposit was made into the electronic money account and determining whether a certain time has elapsed since the deposit was made into the electronic money account; means for checking whether the balance of the electronic money account is greater than a predetermined amount when it is determined that a certain time has passed since the deposit into the electronic money account, and determining whether the balance in the electronic money account is greater than a predetermined amount; means for automatically transferring an amount in excess of the predetermined amount to a pre-registered excess transfer account, which is one of a bank account, another electronic money account, another type of electronic money account, an electronic settlement instrument account, a cryptocurrency account, a securities company account, and an FX account, when it is determined that the balance in the electronic money account is greater than a predetermined amount; 1. An account balance fund transfer system comprising a control means having:

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