Payroll related advertising system

Abstract

To provide a payroll-related advertising system that displays advertisements in relation to paydays, thereby creating a beneficial situation for both members of an organization to whom a salary is paid and advertisers. [Solution] A salary payment related advertising system 1 is provided which comprises a salary payment means 18 which pays a set amount on a set salary payment date from a set payment account 20 to receiving accounts A1, A2 set by members of the organization as salary, salary payment display means 41A, 41B which display a salary payment display on the terminals A, B of members of the organization indicating that salary has been paid by the salary payment means 18, and advertising display means 42A, 42B which display advertisements related to salary on the same screens 40A, 40B as the salary payment display by the salary payment display means 41A, 41B.

Description

[Technical Field]

[0001] The present invention relates to a payroll-related advertising system that displays advertisements in relation to payroll. [Background technology]

[0002] Conventionally, systems operated by banks and other businesses that pay salaries for each organization into the accounts of its members (see, for example, Patent Document 1) have kept track of the paydays for each organization, but it has been difficult for other companies and corporations to know the paydays of the organizations in question.

[0003] Furthermore, even if banks and other businesses knew the payday dates, they were not expected to utilize that information. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Japanese Patent Application Laid-Open No. 2024-117430 Summary of the Invention [Problem to be solved by the invention]

[0005] On the other hand, from the perspective of the organization's members, payday meant that they had a lot of money on hand, making it the perfect time to buy something.

[0006] However, although displaying appropriate advertisements to members of an organization on payday can be said to be an excellent advertising method, advertisements have not previously been placed at such times.

[0007] The present invention has been made in consideration of such problems, and aims to provide a payroll-related advertising system that displays advertisements in connection with paydays, thereby creating a beneficial situation for both the members of an organization receiving a salary and the advertiser. [Means for solving the problem]

[0008] In order to achieve this objective, the present invention is characterized by a salary payment related advertising system having a salary payment means that pays a set amount as salary from a set payment account on a set salary payment date to a receiving account set by a member of an organization, a salary payment display means that displays a salary payment display on the terminal of a member of the organization indicating that salary payment has been made by the salary payment means, and an advertising display means that displays advertisements related to salary on the same screen as the salary payment display by the salary payment display means.

[0009] In addition to the configuration described above, the present invention is characterized in that it provides a salary payment-related advertising system in which a management device that manages data related to salary payment and executes salary payment procedures and the terminals of members of the organization are connected via a network, the management device having a memory means that stores the payment accounts and salary payment dates for each of a plurality of organizations, and information on the salary amounts and receiving accounts of each of the members of each of the plurality of organizations, and a salary payment means that pays the salary amounts of each of the members of each of the plurality of organizations stored in the memory means from the payment accounts for each of the plurality of organizations stored in the memory means to the receiving accounts of each of the members of each of the plurality of organizations on the paydays for each of the plurality of organizations, and the terminals have a salary payment display means that displays that the salary of the member has been paid from the payment account to the receiving account on the salary payment day by the previous salary payment means, and an advertisement display means that displays an advertisement related to salary on the same screen as the salary payment display means based on a report that salary has been paid to the receiving account on the salary payment day.

[0010] In addition to the configuration described above, the present invention is characterized in that the salary payment-related advertising system is configured so that the advertisement display means selects advertisements to be displayed based on the member's electronic money payment data, vital data and / or mental data, taking into consideration the member's current financial status, health status and / or psychological state.

[0011] In addition to the configuration described above, the present invention is characterized in that the salary payment related advertising system is configured so that the advertising display means displays advertising aimed at the salary payment date from a predetermined number of days before the salary payment date and / or advertising for a period from the salary payment date until a predetermined period has elapsed.

[0012] In addition to the above-described configuration, the present invention is characterized in that the salary payment related advertising system is configured as the receiving account being an electronic money account that holds the salary in electronic money.

[0013] Furthermore, in addition to the configuration described above, the present invention is characterized in that it provides a salary payment-related advertising system comprising: an electronic money account for holding the salary in electronic money, means for measuring the elapsed time since the salary was paid to the electronic money account and determining whether a certain amount of time has passed since the salary was paid to the electronic money account; means for, when it is determined that the certain amount of time has passed since the salary was paid to the electronic money account, checking whether the balance of the electronic money account is greater than a predetermined amount and determining whether the electronic money account has a balance greater than the predetermined amount; and means for, when it is determined that the electronic money account has a balance greater than the predetermined amount, 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, an account for other types of electronic money, an electronic settlement means account, a cryptocurrency account, an account with a securities company, or an FX account; and wherein the advertisement display means is configured to display an additional advertisement on the same screen as the salary payment display during the period from when the salary is paid to the electronic money account until the excess amount is transferred to the excess transfer account.

[0014] Furthermore, in addition to the configuration described above, the present invention is characterized in that it provides a salary payment-related advertising system having an electronic money account for holding the salary in electronic money, means for determining whether a predetermined time has arrived after the salary has been paid to the electronic money account, means for checking whether the balance of the electronic money account is greater than a predetermined amount and determining whether the electronic money account has a balance greater than the predetermined amount when it is determined that the predetermined time has arrived after the salary has been paid to the electronic money account, and means for automatically transferring an amount in excess of the predetermined amount to a pre-registered excess transfer account which is either a bank account, another electronic money account, an account for other types of electronic money, an electronic settlement means account, a cryptocurrency account, an account with a securities company, or an FX account when it is determined that the electronic money account has a balance greater than the predetermined amount, and wherein the advertisement display means is configured to display an additional advertisement on the same screen as the salary payment display from the time the salary is paid to the electronic money account until the excess amount is transferred to the excess transfer account. [Effects of the Invention]

[0015] According to the present invention, by displaying an advertisement related to the salary on the same screen as the display of the salary payment, it is possible to create a beneficial situation for both the member of the organization to whom the salary was paid and the advertiser.

[0016] Furthermore, according to the present invention, in a system consisting of a management device and a terminal, by displaying advertisements related to the salary on the same screen as the display that the salary has been paid, it is possible to create a beneficial situation for both the members of the organization who have been reliably paid their salary and the advertiser.

[0017] Furthermore, according to the present invention, advertisements to be displayed can be selected based on the member's electronic money payment data, vital data and / or mental data, taking into consideration the member's current financial status, health status and / or psychological state, thereby making it possible to display effective advertisements to each member.

[0018] Furthermore, according to the present invention, by displaying advertisements for the payday starting a predetermined number of days before the payday and / or advertisements for the payday until a predetermined period has elapsed, members can be made more aware of shopping on payday.

[0019] Furthermore, according to the present invention, since the receiving account is configured as an electronic money account, it is possible to use the electronic money in the account to make purchases, which can lead to efficient shopping based on advertisements.

[0020] Furthermore, according to the present invention, it is possible to measure the time from the payment of wages and place additional advertisements during the period between the automatic transfer of the excess amount, thereby making members more aware of the use of electronic money and making it easier for the advertisements to be effective.

[0021] Furthermore, according to the present invention, additional advertisements can be placed between the time of salary payment and the time of automatic transfer of the set excess amount, thereby making members more aware of the use of electronic money and making the advertisements more likely to be effective. [Brief explanation of the drawings]

[0022] [Figure 1] 1 is a system configuration diagram illustrating a salary payment-related advertising system according to an embodiment of the present invention. [Figure 2] 10 is a screen diagram illustrating a display screen of a terminal of the salary payment-related advertising system according to the embodiment. FIG. [Figure 3] 2 is a flowchart illustrating a main flow of the salary payment-related advertising system according to the embodiment. [Figure 4] 2 is a flowchart illustrating a main flow of the salary payment system according to the embodiment. [Figure 5] 10 is a flowchart illustrating a response flow when a balance exceeds the limit in the salary payment system according to the embodiment. [Figure 6]FIG. 10 is a system configuration diagram illustrating another example of the salary payment-related advertising 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] The salary payment-related advertising system 1 of this embodiment exists in the same system as the salary payment system 1 and is closely related to the salary payment system 1, so both systems will be described in parallel below.

[0025] As shown in Figure 1, the salary payment system 1 of this embodiment has a management device 10 as a salary payment device, 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 will be explained below. Note that solid lines in Figures 1 and 6 indicate the flow of money, and dotted lines indicate the flow of information.

[0026] The management device (salary payment device) 10 is composed of a computer such as a server, has control means 11 that controls the entire salary payment system 1, and further has settlement accounts (electronic money accounts in this case) A1, A2, B1, and B2 opened by each employee (each member). Note that although it is collectively referred to as a computer here, the management device 10 may be composed of a single computer, or may be composed of multiple computers working together to form the management device 10.

[0027] In this embodiment, the management device 10 is equipped with exchange means 14 and 15 that perform mutual exchange processing between legal tender and electronic money. Here, the exchange means 14 that performs the exchange processing from legal tender to electronic money and the exchange means 15 that performs the exchange processing from electronic money to legal tender are described as separate configurations, but this is not limited thereto. A single exchange means may be configured to perform both the exchange processing from legal tender to electronic money and the exchange processing from electronic money to legal tender. Furthermore, the exchange means may not be provided within the management device 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 funds may be deposited into an electronic money account, an external bank account, or the like.

[0028] As described above, the control means 11 is programmed to control the entire payroll payment system 1, and includes a payroll information storage means (storage means) 12 as a database that stores payroll information including the payroll 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 payroll allocation information storage means 13 as a database that stores payroll allocation information (appropriate information including account information for allocating payroll 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, and PCs) that serve as registration devices. Note that terminals A and B may be connected to the management device 10 via a dedicated app, for example, or via a browser, or may be connected by any appropriate means.

[0029] 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 management 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.

[0030] 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.

[0031] 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.

[0032] 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.

[0033] 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.

[0034] Next, a salary payment-related advertising system 1 according to this embodiment will be described. As shown in Fig. 1, the salary payment-related advertising system 1 according to this embodiment exists in the same system as the salary payment system 1 described above, and a management device 10 that manages data related to salary payment and executes procedures for salary payment is connected to terminals A and B via a network. Note that, while terminals A and B of members of one organization are shown as an example of the terminals here, this is not limiting, and terminals of members of each of multiple organizations may be connected.

[0035] The management device 10 is configured as a computer such as a server, has control means 11 that controls the entire salary payment-related advertising system 1, and further has receiving accounts (electronic money accounts in this case) A1 and B1 opened by each employee (each member). Note that although the management device 10 is collectively referred to as a computer here, it may be configured as a single computer, or it may be configured as a plurality of computers working together.

[0036] In addition, the management device 10 of this embodiment has a salary information storage means 12 as a storage means that stores payment accounts (here, specific accounts 20) for each of the multiple organizations, salary payment dates, and information on the salary amounts and receiving accounts A1 and A2 for each of the multiple members of each of the multiple organizations, and an individual funds transfer means 18 as a salary payment means that pays the salary amounts for each of the multiple members of each of the multiple organizations stored in the salary information storage means 12 from the payment accounts 20 for each of the multiple organizations stored in the salary information storage means 12 to the receiving accounts A1 and A2 for each of the multiple members of each of the multiple organizations on the salary payment dates for each of the multiple organizations.

[0037] In this embodiment, the storage means 12 also includes a database for displaying advertisements related to paydays. This database includes multiple advertisements to be displayed according to the circumstances of each employee. The storage means 12 also stores electronic money payment data, vital signs, and mental health data for each employee. Based on this data, the control means 11, in this case the payroll means 18, as an execution means, determines the advertisements to be displayed for the employee and sends the advertisement data to the advertisement display means 42A, 42B on the display screens 40A, 40B of terminals A, B. The database and execution means may be performed by other means within the management device 10. Furthermore, a database and / or execution means may be provided outside the management device 10, and may be connected to the management device 10 and terminals A, B via a network.

[0038] Furthermore, vital data generally refers to any data relating to or related to any measurable characteristic of a person's personality or physique, but may be synonymous with known physiological data. Examples of vital data include, but are not limited to, heart rate, pulse, oxygen saturation, blood oxygen concentration, calories burned, calorie burn rate, MET, weight, body temperature, blood pressure, electrocardiogram data, etc., and two or more of these may be appropriately combined and used as vital data. In the present invention, it is preferable that the vital data include one or more vital signs.

[0039] The term "vital signs" generally refers to human physiological parameters and derived parameters, but may be any known vital signs. Examples of vital signs include blood volume pulse signals, heart rate (HR) (also called pulse rate), heart rate variability (pulse rate variability), pulsatility strength, perfusion, perfusion indicators, perfusion variability, Traube-Elan-Meyer waves, respiratory rate (RR), skin temperature, blood pressure, skin conductance, pulse oximetry, blood oxygen saturation, and blood and / or tissue substance concentrations such as glucose levels, as well as health indicators obtained from the shape of PPG signals. In the present invention, the physiological data preferably includes one or more, more preferably two or more, and most preferably three or more selected from heart rate, electrocardiogram, blood pressure, central venous pressure (CVP), oxygen saturation (SpO2), body temperature, and respiratory rate.

[0040] This data is obtained by inputting the results of health checkups, inputting the results of measurements taken at regular intervals using a vital sign measuring device, or inputting the results of data obtained from rings, watches, and other mobile wearable devices that are automatically or manually accumulated.

[0041] Mental data includes voice and biomarkers obtained using voice pathological analysis technology, and data such as input of interview results with industrial physicians and mental status checked using mental check apps can be obtained.

[0042] These are analyzed using machine learning (deep learning, etc.), and the AI ​​uses the results to predict the current vital and mental state, and then uses the results to determine the advertisement that should be displayed at that time.

[0043] Based on these factors, the system is configured to select advertisements to display taking into consideration the current financial status, health status, and / or psychological status of each member. Terminals A and B are terminals having display screens 40A and 40B, as shown in Fig. 2. Note that, in this embodiment, terminals A and B are described as smartphones as an example, but this is not limiting, and terminals A and B may be configured as other devices such as personal computers or tablets.

[0044] The display screens 40A, 40B of terminals A, B are configured to have salary payment display means 41A, 41B that display that the salary of the members has been paid by the salary payment means 18 from the payment account 20 to the receiving account A1, A2 on the salary payment date, and advertisement display means 42A, 42B that displays advertisements related to salary on the same screens 40A, 40B as the salary payment display means 41A, 41B based on a report that salary has been paid to the receiving account A1, A2 on the salary payment date.

[0045] Here, the salary payment display means 41A, 41B are configured to display the salary amount and the deposit balance, but are not limited to this and may display other information, such as the scheduled salary payment date, the scheduled salary payment amount or the most recent salary payment amount, the number of days and hours counted down until salary payment, the current account balance, etc. Also, the salary payment display means 41A, 41B may be configured to only display a report that salary has been paid.

[0046] The advertisement display means 42A, 42B are displayed above the salary payment display means 41A, 41B so as to be adjacent to each other vertically. By positioning the salary payment information and the related advertisement information close to each other in this way, the advertisement content can be more appealing and can be more easily noticed by members.

[0047] In this example, the advertisement display is positioned above the salary display, but this is not limiting and the advertisement display may be positioned below, or the salary display and the advertisement display may be positioned next to each other on the left and right. Even if they are not adjacent, they may be positioned close together so that they are easy to see. Furthermore, the salary display and the advertisement display may be intentionally positioned far apart.

[0048] Also, there may be a pattern where the salary payment display and the advertisement display are not arranged on the same screen. For example, there may be a pattern where an advertisement is displayed on the page when the salary payment display screen is clicked to display the details page of the salary payment display screen, or a pattern where an advertisement is displayed in a pop-up when the salary payment display screen is clicked. Also, there may be a pattern where multiple advertisements are displayed, such as an advertisement being displayed on the same screen as the salary payment display screen, and another advertisement being displayed when the screen is clicked.

[0049] In addition to these, this embodiment is configured to display on the same screens 40A and 40B financial hint display means 43A that displays financial information, and performance-based advertising display means 44A that allows members to earn points, electronic money, etc. by watching videos or displaying advertisements. Other images, videos, information, etc. may also be displayed. As with the advertising display means 42A and 42B, these displays may also be determined based on the electronic money payment data, vital data, and mental data of each member.

[0050] In addition to these configurations, the present invention may also be configured such that the advertisement display means 42A, 42B display advertisements from a predetermined number of days before the payday (e.g., one week before, three days before, etc.) to the payday, or advertisements from the payday until a specified predetermined period has elapsed (e.g., three days after, one week after, etc.), or even both of these advertisements. This increases the attention of each member to the advertisements displayed together with the payday display on payday, making the advertisements more effective.

[0051] In this embodiment, the receiving accounts A1 and A2 are configured as electronic money accounts that hold salary in electronic money, but this is not limited to this, and the receiving accounts A1 and A2 may be other accounts than electronic money, such as cash accounts, as long as the salary payment display and advertisement display are displayed together on the same screen.

[0052] Furthermore, the present invention is not limited to such a configuration, and for example, as long as the configuration includes salary payment means 18 that pays a set amount on a set salary payment date from a set payment account 20 to receiving accounts A1, A2 set by members of the organization as salary, salary payment display means 41A, 41B that displays a salary payment display on terminals A, B of members of the organization indicating that salary has been paid by the salary payment means 18, and advertisement display means 42A, 42B that displays advertisements related to salary on the same screens 40A, 40B as the salary payment display by the salary payment display means 41A, 41B, the configuration may be one other than one in which the management device 10 and terminals A, B are connected via a network, for example, one in which all data and execution means are provided in the terminals, and which automatically responds to the advertisement display within the terminal when a signal is received that salary has been paid to the receiving account.

[0053] Furthermore, the present invention may be configured to display an advertisement in connection with the transfer of the excess amount to the excess transfer account A5. That is, an example of a pattern is one in which the user has an electronic money account in which their salary is held in electronic money, and the user has a means for measuring the elapsed time since the user's salary was paid to the electronic money account and determining whether a certain amount of time has passed since the user's salary was paid to the electronic money account, and a means for, when it is determined that the certain amount of time has passed since the user's salary was paid to the electronic money account, checking whether the balance of the electronic money account is greater than a predetermined amount and determining whether the electronic money account has a balance greater than the predetermined amount, and when it is determined that the electronic money account has a balance greater than the predetermined amount, the user has a means for automatically transferring an amount in excess of the predetermined amount to a pre-registered account for transferring excess amounts, which is either a bank account, another electronic money account, another type of electronic money account, an electronic payment method account, a cryptocurrency account, a securities company account, or an FX account, and the advertisement display means is configured to display an additional advertisement on the same screen as the salary payment display between the time the user's salary is paid to the electronic money account and the time the excess amount is transferred to the account for transferring excess amounts. This additional advertisement is preferably one that will further raise members' awareness as appropriate, such as a more flashy advertisement that appeals visually to members, a display that announces a limited campaign with a larger discount, or an announcement that a campaign will be held for a further limited time on another product.

[0054] Another example is a system that includes an electronic money account for holding a salary in electronic money, a means for determining whether a predetermined time has arrived after the salary has been paid to the electronic money account, a means for checking whether the balance of the electronic money account is greater than a predetermined amount when it is determined that the predetermined time has arrived after the salary has been paid to the electronic money account, and a 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 payment method account, a cryptocurrency account, a securities company account, or an FX account, when it is determined that the balance in the electronic money account is greater than the predetermined amount, and the advertisement display means is configured to display an additional advertisement on the same screen as the salary payment display between the time the salary is paid to the electronic money account and the time the excess amount is transferred to the excess transfer account. The content of the additional advertisement is preferably the same as that described above.

[0055] Next, each process performed by the above-described configuration will be described with reference to FIGS.

[0056] First, the procedure of the salary payment-related advertising system 1 will be described with reference to FIG.

[0057] First, as described above, electronic money settlement data, vital data, and mental data are acquired for each member of each of a plurality of organizations in the storage means 12, and stored in a predetermined area.

[0058] Next, the salary payment means 18 pays the salary for each of the multiple organizations from the specified account 20 to the electronic money accounts of the receiving accounts A1 and A2 of the respective members on the salary payment date of the organization (step S1). Details of this salary payment will be described later with reference to FIG. 4.

[0059] Next, payment data, vital data, and mental data for each member are provided to the AI ​​(steps S2, S3, S4), and the AI ​​is allowed to analyze them (step S5).

[0060] As a result, the AI ​​determines the advertisement that is best suited to be displayed to the member on payday (step S6), sends the data to the member's terminal A, B, and displays it on the display screens 40A, 40B of terminal A, B using advertisement display means 42A, 42B (step S7).

[0061] After that, if a member who has seen the advertisement likes the product or service, he or she can click on the advertisement and purchase the product or service (step S8). This is displayed repeatedly on paydays.

[0062] The above-mentioned steps S1 and S2 to S6 may be reversed. That is, the advertisements to be displayed around the payday for each member may be determined in advance based on the payment data, vital data, and mental data of each member (steps S2 to S6), and then the payday may be paid (step S1). This allows for smooth processing from the time the payday is paid to the time the advertisements are displayed.

[0063] Furthermore, steps S2 to S6 do not have to be processed all at once, and for example, steps S2 to S5 may be processed in advance, and step S6 may be processed on payday. This reduces the amount of processing on payday, and allows advertisements to be determined based on the situation on payday.

[0064] Furthermore, when advertisement display is to start a predetermined period before the payday, steps S2 to S6 may be started if it is determined that the predetermined period has passed since the payday.

[0065] The advertisement display may be terminated at a predetermined appropriate timing, such as three days after the payday, one week after, etc. Furthermore, the advertisement display period may be varied, for example, by lengthening the advertisement display period if there are many purchases of products from the advertisement, or by shortening the advertisement display period if there are few purchases of products.

[0066] As shown in Figure 5 and described later, in a system involving the transfer of the excess amount to an account for transferring excess amounts, additional advertisements may be displayed until the time elapses until the excess amount is transferred or until the time for the excess amount to be transferred. This process is repeated until the time limit is reached, at which point the excess amount is transferred and the advertisement is terminated or switched to another specification.

[0067] Next, using Figure 4, we will explain the main processing of the salary payment system 1, which performs execution processing using the lump-sum fund transfer means 17, individual fund transfer means 18, and allocation execution means 19 based on information from the salary information storage means 12 and salary allocation information storage means 13.

[0068] 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 S11). 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.

[0069] 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 at a predetermined time to transfer the entire salary from the specified account 20 to the salary transfer accounts A1 and B1 of each employee's electronic money account (step S12).

[0070] Thereafter, it is checked whether or not there is distribution setting information in the salary distribution information storage means 13 (step S13), 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 S14), and the main processing ends.

[0071] Here, steps S2 to S5 of the salary payment-related advertising system are performed after issuing a lump-sum fund transfer instruction (step S11) and then performing the allocation process (step S14), but this is not a limitation and the advertisement display process may be started during the main process of the salary payment system. For example, once steps S11 to S12 are performed and it is confirmed that salary has been paid to the electronic money accounts A1 and A2, advertisement display may be started before the allocation process is performed. Alternatively, the allocation process and advertisement display may be performed simultaneously in parallel.

[0072] In addition, when the advertisement display is to start a predetermined period before the payday, the advertisement display is configured to start when it is confirmed that it is the predetermined period before the payday.

[0073] Next, the excess balance handling process, which checks whether the amounts in the salary deposit accounts A1 and B1 exceed a certain amount and forcibly transfers the excess amount, will be described with reference to FIG.

[0074] First, it is determined whether or not the salary has been transferred to the salary transfer accounts A1 and B1 (step S21). If the salary has not yet been transferred, the system waits until the salary is transferred.

[0075] Furthermore, if the salary has been deposited, the system starts displaying additional advertisements (such as more flashy advertisements, special discount campaigns, or advertisements for other products) and determines whether a certain period of time (e.g., a predetermined period of time such as 4 hours, 8 hours, or 1 day) has passed since the salary was deposited (step S22). If the certain period of time has not yet passed, the system waits until the period of time has passed. In addition to determining whether a certain period of time has passed, the system may also determine whether a predetermined time (e.g., 14:00, 15:30, etc.) has passed.

[0076] 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 S23). If the balances do not exceed the certain amount, the process ends.

[0077] If the balance exceeds a certain amount, the excess amount is forcibly transferred to the preset excess transfer accounts A5 and B5 (step S24), and the process ends.

[0078] At this time, the display of the additional advertisement may be terminated, or the display of the additional advertisement may be continued for a period of time that is set independently.

[0079] As described above, according to the salary payment related advertising system 1 of this embodiment, by displaying advertisements 42A, 42B related to salary on the same screens 40A, 40B as the display 41A, 41B indicating that a salary has been paid, it is possible to create a situation that is beneficial for both the members of the organization to whom the salary has been paid and the advertiser.

[0080] Furthermore, according to the salary payment related advertising system 1 of this embodiment, in a system consisting of the management device 10 and terminals A and B, by displaying advertisements 42A and 42B related to salary on the same screens 40A and 40B as the display 41A and 41B indicating that a salary has been paid, it is possible to create a situation that is beneficial for both the members of the organization who have received their salaries and the advertiser.

[0081] Furthermore, according to the salary payment related advertising system 1 of this embodiment, advertisements to be displayed can be selected based on the member's electronic money payment data, vital data and / or mental data, taking into consideration the member's current financial status, health status and / or psychological state, thereby displaying effective advertisements to each member.

[0082] Furthermore, according to the salary payment related advertising system 1 of this embodiment, by displaying advertisements for the payday starting from a predetermined number of days before the payday and / or advertisements for the payday until a predetermined period has elapsed, members can be made more aware of shopping on payday.

[0083] Furthermore, according to the salary payment related advertising system 1 of this embodiment, the receiving accounts A1 and B1 are configured as electronic money accounts, so that shopping can be done using the electronic money in the accounts, which can lead to efficient shopping based on advertisements.

[0084] Furthermore, according to the salary payment related advertising system 1 of this embodiment, it is possible to measure time from salary payment and place additional advertisements 42A, 42B during the period between the automatic transfer of the excess amount, thereby making members more aware of the use of electronic money and making the advertising more likely to be effective.

[0085] Furthermore, according to the salary payment related advertising system 1 of this embodiment, additional advertisements 42A, 42B can be placed between the time of salary payment and the time of automatic transfer of the specified excess amount, thereby making members more aware of the use of electronic money and making the advertising more likely to be effective.

[0086] Furthermore, 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.

[0087] 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.

[0088] 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.

[0089] 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.

[0090] 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.

[0091] 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.

[0092] For example, in the salary payment system 1 and management device (salary payment device) 10 of the above-described embodiment, a legal tender account is used as the specific account 20, and when salaries are paid, the account is exchanged for 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 management device (salary payment device) 110 shown in Figure 6, 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 for each employee when salaries are paid.

[0093] 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.

[0094] 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.

[0095] 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.

[0096] 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.

[0097] In this case, the amount of fund transfer can be kept to a minimum, resulting in a quick and convenient configuration.

[0098] 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.

[0099] 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.

[0100] Furthermore, in the allocation information stored in the salary allocation information storage means 13, a bank account for legal tender and an electronic money account in the management device 10 are set as allocation destinations, but this is not limited thereto, and for example, in addition to a bank account for legal tender and an electronic money account in the management device 10, it may be possible to set appropriate accounts such as accounts for other types of electronic money, accounts for electronic settlement instruments such as stable coins, accounts for virtual currencies (crypto assets) such as Bitcoin, accounts with securities companies, and FX accounts. Furthermore, based on such allocation information, the allocation execution means 19 may automatically perform allocation processing from each employee's settlement accounts A1 and B1 to other accounts.

[0101] 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.

[0102] 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.

[0103] 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, based on the information stored in the salary allocation 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.

[0104] 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]

[0105] 1,101 Payroll payment system (payroll related advertising system) 10,110 Management equipment (payroll equipment) 11 Control means for management device (payroll payment device) 12 Salary information storage means (storage means) 13. Salary allocation information storage means 14,15 Means of exchange 17 Bulk fund transfer methods 18 Individual fund transfer means (salary payment means) 19 Allocation execution method 20. Specified Account 30 Corporate Systems 31 Corporate Control Measures 32 Corporate Accounts (Organizational Accounts) 40A,40B display screen 41A, 41B Salary payment display means 42A, 42B Advertising display means 43A Financial Tip Display Means 44A Performance-based advertising display means 116 Specific electronic money account (specific account) 120 fiat currency accounts A, B terminal (registration device) A1, B1 Salary transfer account (receiving account, settlement 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

1. A salary payment means for paying a set amount from a set payment account on a set salary payment date to a receiving account set by a member of an organization; a salary payment display means for displaying a salary payment display on a terminal of a member of the organization, the display indicating that salary payment has been made by the salary payment means; an advertisement display means for displaying an advertisement on the same screen as the salary payment display by the salary payment display means; and a means for measuring the time elapsed since the salary was paid to the receiving account and determining whether a certain period of time has elapsed since the salary was paid to the receiving account; means for checking whether the balance of the receiving account is greater than a predetermined amount when it is determined that a certain time has passed since the salary was paid to the receiving account, and determining whether the balance of the receiving account is greater than a predetermined amount; means for automatically transferring the amount in excess of the predetermined amount to a pre-registered excess transfer account, which is either a bank account, an electronic money account, an electronic settlement means account, a cryptocurrency account, a securities company account, or an FX account, when it is determined that the balance in the receiving account is greater than a predetermined amount; and A salary payment related advertising system characterized in that the advertising display means is configured to display additional advertisements on the same screen as the salary payment display between the time the salary is paid to the receiving account and the time the excess amount is transferred to the excess transfer account.

2. A salary payment means for paying a set amount from a set payment account on a set salary payment date to a receiving account set by a member of an organization as salary; a salary payment display means for displaying a salary payment display on a terminal of a member of the organization, the display indicating that salary payment has been made by the salary payment means; an advertisement display means for displaying an advertisement on the same screen as the salary payment display by the salary payment display means; and a means for determining whether a predetermined time has come after the salary has been paid to the receiving account; means for checking whether the balance of the receiving account is greater than a predetermined amount when it is determined that a predetermined time has come after the salary has been paid to the receiving account, and determining whether the balance of the receiving account is greater than a predetermined amount; means for automatically transferring the amount in excess of the predetermined amount to a pre-registered excess transfer account, which is either a bank account, an electronic money account, an electronic settlement means account, a cryptocurrency account, a securities company account, or an FX account, when it is determined that the balance in the receiving account is greater than a predetermined amount; and A salary payment related advertising system characterized in that the advertising display means is configured to display additional advertisements on the same screen as the salary payment display between the time the salary is paid to the receiving account and the time the excess amount is transferred to the excess transfer account.

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