Information processing device, information processing method, and program

Abstract

To provide a mechanism capable of settling an amount on the enterprise and an amount on the individual in real time when paying expenses.SOLUTION: A mechanism includes an electronic wallet storage medium (100) for storing individual electronic money and points given from an enterprise in which the individual is an employee as an electronic wallet, a store terminal (200) used by a store, and an information processing device (300) for performing processing about a settlement amount to be paid to the store when the individual uses the store. The information processing device (300) includes a consumption rate determination part (35) for calculating an amount on the enterprise in the settlement amount. The store terminal (200) includes a payment processing part (37) for immediately performing processing for consuming the amount on the enterprise calculated by the consumption rate determination part (35) with the points stored in the electronic wallet storage medium and processing for consuming a difference amount between the settlement amount and the amount on the enterprise with the electronic money stored in the electronic wallet when paying the settlement amount.SELECTED DRAWING: Figure 1

Description

Technical Field

[0004]

[0001] The present invention relates to Information processing device, information processing method, and program this.

Background Art

[0002] In order to expect effects such as securing and retaining labor force and improving work motivation, it is generally practiced that a company provides various non-monetary rewards and measures as welfare benefits in addition to regular salaries to employees. The scope of welfare benefits may cover not only employees but also their spouses and families (hereinafter, when referred to as "employees" in this specification, it shall mean those who can receive the company's welfare benefits including their spouses and families). Conventionally, a system for supporting the work related to this welfare has been known (see, for example, Patent Documents 1 to 3).

[0003] The system described in Patent Document 1 provides a mechanism for a company to bear the meal expenses of employees in a way that has no tax problems. In the system described in Patent Document 1, when the first maximum company burden amount, which is a predetermined percentage of the total purchase price within a predetermined period, is less than or equal to the second maximum company burden amount, which is the upper limit value of the lunch expenses that a company can bear under the tax law, the first maximum company burden amount is determined as the company burden amount; otherwise, the second maximum company burden amount is determined as the company burden amount. Patent Document 1 discloses that a ticket image showing an amount is displayed on an employee terminal device, and a store clerk operates the ticket image on the screen with a finger or the like, and the amount corresponding to the ticket image is charged from the store to the company.

[0004] The system described in Patent Document 2 includes a welfare information storage unit that stores one or more welfare information items, each having service identification information which is information that identifies two or more types of services, including the use of leisure facilities, the use of entertainment facilities, training or educational services for employees, external educational services for students, studying abroad, or online lesson or educational services conducted over the internet, and organizational burden identification information which identifies the organizational burden of the services identified by the service identification information. When the system receives service application information from a terminal device for an employee identified by employee identification information to apply for a service identified by service identification information, it obtains organizational burden information indicating the organizational burden using the organizational burden identification information corresponding to the service identification information.

[0005] The system described in Patent Document 3 provides a meal subsidy mechanism that can only be used at stores of affiliated merchants designated by the company. Specifically, the system described in Patent Document 3 generates settlement data based on the received card payment message, having either a first indication that the meal is eligible for the meal subsidy or a second indication that it is not eligible for the meal subsidy. The first and second indications are set based on the company identifier and merchant identifier pairs included in the settlement data. Then, based on the settlement data that has the first indication, the amount of the meal subsidy to be paid to the cardholder is calculated, and billing data to the company is generated based on the calculated amount of the meal subsidy. Patent Document 3 also discloses an embodiment that provides a meal subsidy mechanism using a prepaid card. However, the company does not charge (prepay) the prepaid card in advance, but rather calculates the subsidy amount retrospectively. [Prior art documents] [Patent Documents]

[0006] [Patent Document 1] Japanese Patent Publication No. 2018-72956 [Patent Document 2] Patent No. 6499403 [Patent Document 3] Patent No. 6188908 [Overview of the project] [Problems that the invention aims to solve]

[0007] The systems described in Patent Documents 1 to 3 above provide a mechanism for calculating and settling employee and company contributions to the usage fees for various services. In contrast, the present invention aims to provide a new mechanism different from those described in Patent Documents 1 to 3, which allows for real-time (instantaneous) settlement of company and individual contributions at the time of payment. [Means for solving the problem]

[0008] To solve the above-mentioned problems, the information processing device of the present invention includes: an acquisition unit that acquires information on the amount of payment made by an employee to a store; a calculation unit that calculates the maximum amount of corporate burden that is tax-free under tax law as an employee benefit expense that is not taxable on the employee's salary; and a storage unit that stores the electronic money charged by the employee and the points awarded by the company to which the employee belongs. An electronic wallet information storage unit that stores the identification information of the electronic wallet, the balance of the electronic money, and the balance of the points in association, and When the aforementioned payment amount is made using an electronic wallet, the maximum corporate burden amount exempt from tax And the aforementioned settlement amount and Based on, The portion to be paid with points is determined to be the maximum amount of corporate burden that is exempt from tax, and the portion to be paid with electronic money is determined to be the difference between the settlement amount and the maximum amount of corporate burden that is exempt from tax. The decision-making part and The electronic wallet information management unit subtracts the balance of the electronic money and the balance of the points stored in the electronic wallet information storage unit based on the portion to be paid with the electronic money and the portion to be paid with points determined by the determination unit, and the setting unit accepts a setting on whether or not to pay, in addition to the maximum amount of non-taxable corporate burden, taxable welfare expenses for employee salaries, which are subject to tax under tax law, with the points. Equipped with The calculation unit, if the setting unit has set that the taxable welfare expenses be paid with points, calculates the total amount of the maximum non-taxable company burden and the taxable welfare expenses for the settlement amount, and the determination unit determines that the portion to be paid with points is the total amount, and determines that the portion to be paid with electronic money is the difference between the settlement amount and the total amount. . [Effects of the Invention]

[0009] According to the present invention configured as described above, by pre-storing an individual's electronic money and points awarded by a company in the electronic wallet of the electronic wallet storage medium, when an individual pays for the cost (payment amount) of using a store's services, the company's share is consumed with points, and the difference between the payment amount and the company's share is consumed with electronic money, thereby settling the company's share and the individual's share in real time on the electronic wallet storage medium. [Brief explanation of the drawing]

[0010] [Figure 1] This figure shows an example of the overall configuration of the welfare benefits processing system according to this embodiment. [Figure 2] This block diagram shows an example of the functional configuration of a store terminal according to this embodiment. [Figure 3] This is a block diagram showing an example of the server's functional configuration according to this embodiment. [Figure 4] This figure shows an example of electronic wallet information stored in the electronic wallet information storage unit. [Figure 5] This figure shows an example of employee benefits information stored in the employee benefits information storage unit. [Figure 6] This is a schematic diagram illustrating the consumption ratio that determines the settlement amount. [Figure 7] This is a schematic diagram to explain what happens when payment cannot be processed. [Figure 8] This flowchart shows an example of server operation according to this embodiment. [Figure 9] This figure shows another example of the overall configuration of the welfare benefits processing system according to this embodiment. [Figure 10] This block diagram shows an example of the functional configuration of an employee terminal according to this embodiment. [Modes for carrying out the invention]

[0011] Hereinafter, an embodiment of the present invention will be described based on the drawings. FIG. 1 is a diagram showing an example of the overall configuration of the welfare and labor management system according to this embodiment. The welfare and labor management system of this embodiment includes a prepaid card 100 used by employees at the time of settlement, a store terminal 200 used by stores that provide meals and other various services, a server 300 that performs processing related to welfare and labor management, and a company terminal 400 used by companies that provide welfare and labor management. The store terminal 200 and the server 300, and the company terminal 400 and the server 300 are each connected via a communication network 500 such as the Internet or a telephone communication network. The server 300 is operated by a third party different from the company that provides welfare and labor management. In FIG. 1, only one server 300 is shown, but this is for convenience of explanation and may be a server group including a plurality of servers.

[0012] The welfare and labor management system of this embodiment is a system that calculates and settles the employee's share and the company's share of the expenses when employees use various services subject to welfare and labor management. The prepaid card 100, which is a component of this welfare and labor management system, corresponds to the electronic wallet storage medium in the claims, and stores the employee's personal electronic money charged by the employee and the points provided by the server 300 for the company's welfare and labor management as an electronic wallet. In addition, the server 300 corresponds to the information processing device in the claims and performs processing related to welfare and labor management as described later.

[0013] Prepaid Card 100 is a rechargeable card that can be used repeatedly by adding funds (charging) to it even after the balance runs out. Electronic money can be charged to Prepaid Card 100 by paying cash using a charging terminal (not shown in the diagram, e.g., a convenience store register, a bank ATM, etc.). Alternatively, it can be charged via bank transfer or credit card. The following describes an example where an employee charges their desired amount to Prepaid Card 100 using a credit card. Payments using the charged electronic money are only possible at stores that have a contract with a credit card company (credit card merchants).

[0014] Furthermore, the recording of points on the prepaid card 100 is performed, for example, using a corporate terminal 400 connected to a reader / writer. As an example, the points to be awarded to employees are notified from the server 300 to the corporate terminal 400, and this is recorded on the prepaid card 100 by the reader / writer. The company, for example, awards a specified amount of points (for example, any of 3,500 to 10,000 points) to employees regularly each month as welfare expenses. That is, the specified amount of points is notified from the server 300 to the corporate terminal 400 regularly each month, and employees record these points on the prepaid card 100 using the reader / writer. Note that the method of recording points on the prepaid card 100 shown here is just an example and is not limited to this. Also, awarding a specified amount of points regularly each month is just an example. That is, points may be awarded irregularly. Also, the number of points to be awarded being between 3,500 and 10,000 is just an example.

[0015] Here, an upper limit value that can be stored may be set for each or the total amount of the electronic money and points stored in the electronic wallet of the prepaid card 100. For example, when the total balance of the electronic money and points reaches the first upper limit value, or when the balance of only the points reaches the second upper limit value, it is possible to notify the enterprise terminal 400 from the server 300 that the points to be granted the next month for that employee are 0.

[0016] When the employee pays the store for the expenses when using various services, the store terminal 200 reads information that can identify the employee from the prepaid card 100 (for example, card identification information linked to the prepaid card 100), and transmits settlement-related information including the card identification information, the settlement amount, and store information that can identify the store to the server 300. The server 300 calculates the employee's share and the company's share for the notified settlement amount, determines the consumption ratio of the electronic money and points to be consumed from the electronic wallet of the prepaid card 100, and notifies the store terminal 200 of the determination result. The store terminal 200 performs processing related to the payment using the prepaid card 100 according to the consumption ratio notified from the server 300.

[0017] In this way, in the present embodiment, the employee makes a payment using both the personal electronic money that the employee charges to the prepaid card 100 by himself / herself and the points provided from the server 300 for the company's welfare. The amount corresponding to the points granted to the employee as welfare by the company is, for example, paid in advance by the company to the operator of the server 300. The operator of the server 300 pays the amount corresponding to the points to each individual store where the employee has consumed the points of the prepaid card 100 to pay the service usage fee. By constructing such a mechanism, the company does not need to make a payment corresponding to the points to each individual store, and only needs to pay the amount corresponding to the points to the operator of the server 300 in advance.

[0018] Figure 2 is a block diagram showing an example of the functional configuration of the store terminal 200. Figure 3 is a block diagram showing an example of the functional configuration of the server 300. As shown in Figure 2, the store terminal 200 of this embodiment has the following functional configuration: a payment amount acquisition unit 21, a card information acquisition unit 22, a payment-related information transmission unit 23, a decision result acquisition unit 24, a payment processing unit 25, and a message display unit 26. The store terminal 200 also has a store information storage unit 20 as a storage medium.

[0019] Furthermore, as shown in Figure 3, the server 300 of this embodiment has the following functional configuration: a charge information acquisition unit 31, a point awarding unit 32, an electronic wallet information management unit 33, a payment-related information acquisition unit 34, a consumption ratio determination unit 35, and a determination result notification unit 36. The server 300 also has an electronic wallet information storage unit 30A and a welfare information storage unit 30B as storage media.

[0020] Each of the function blocks 21-26 of the store terminal 200 and each of the function blocks 31-36 of the server 300 can be configured using hardware, a DSP (Digital Signal Processor), or software. For example, when configured using software, each of the function blocks 21-26 and 31-36 is actually configured with a computer's CPU, RAM, ROM, etc., and is realized by the operation of a program stored on a recording medium such as RAM, ROM, hard disk, or semiconductor memory. In particular, the function blocks 31-36 of the server 300 are realized by the operation of a welfare processing program.

[0021] In the configuration of the store terminal 200 shown in Figure 2, the store information storage unit 20 stores store information about the store that provides the service. The store information includes information such as the store name, store ID, and industry code. The industry code is a code assigned to various industries such as restaurants, accommodations, medical facilities, and sports gyms. As will be described later, the store name and store ID are used to determine whether the service used by the employee falls under the category of a service recognized by the company as an employee benefit. The industry code is used when calculating the amount that the company will bear as an employee benefit expense for the settlement amount that the employee should pay to the store when using the store's services.

[0022] The settlement amount acquisition unit 21 acquires information on the settlement amount that an employee should pay to the store when using the store's services. For example, the settlement amount acquisition unit 21 acquires settlement amount information from a POS (Point of Sale) terminal (not shown) connected to the store terminal 200. If the store terminal 200 has a POS function, the settlement amount acquisition unit 21 acquires information on the settlement amount calculated using that POS function.

[0023] The card information acquisition unit 22 acquires the card identification information recorded on the prepaid card 100. The card identification information is identification information assigned to the prepaid card 100 held by the employee, and is information that can uniquely identify the employee. As card identification information, for example, a contract number issued by a credit card company can be used. For example, the card information acquisition unit 22 acquires the card identification information read from the prepaid card 100 by a reader / writer (not shown) connected to the store terminal 200. If the store terminal 200 has a card reading function, the card information acquisition unit 22 acquires the card identification information read using that card reading function.

[0024] The payment-related information transmission unit 23 transmits payment-related information to the server 300, including the payment amount obtained by the payment amount acquisition unit 21, the card identification information obtained by the card information acquisition unit 22, and the store information stored in the store information storage unit 20. As will be described in detail later with reference to Figure 3, the server 300 calculates the employee's share and the company's share of the payment amount based on the payment-related information, determines the consumption ratio of electronic money and points to be consumed from the electronic wallet of the prepaid card 100, and notifies the store terminal 200 of the result of this determination.

[0025] The decision result acquisition unit 24 acquires information from the server 300 regarding the decision result concerning the consumption ratio of electronic money and points. If payment cannot be made with the remaining balance of electronic money and points stored in the electronic wallet of the prepaid card 100, a predetermined message regarding the inability to pay is notified from the server 300 as information of the decision result, and this is acquired by the decision result acquisition unit 24. The predetermined message is, for example, an error message informing that payment cannot be made. Alternatively, it may be a message prompting the employee to add funds.

[0026] The payment processing unit 25 processes the payment of the settlement amount using the electronic money and points stored in the electronic wallet of the prepaid card 100, according to the consumption ratio indicated by the decision result information obtained by the decision result acquisition unit 24. In other words, the payment processing unit 25 executes the process of consuming electronic money and points from the electronic wallet of the prepaid card 100 attached to the reader / writer, respectively, according to the consumption ratio indicated by the decision result information obtained by the decision result acquisition unit 24.

[0027] The message display unit 26 displays a predetermined message regarding the inability to make a payment on the display of the store terminal 200 when the decision result acquisition unit 24 acquires this message. In this example, a predetermined message is displayed when payment cannot be made, but even when payment is possible, a message indicating the ratio of electronic money and points used may be displayed on the display.

[0028] In the server 300 configuration shown in Figure 3, the electronic wallet information storage unit 30A stores information related to the electronic wallet for each employee, including the balance of electronic money and points stored in the electronic wallet of each employee's prepaid card 100. Figure 4 shows an example of electronic wallet information stored in the electronic wallet information storage unit 30A. As shown in Figure 4, the electronic wallet information storage unit 30A stores information for each employee, including the electronic wallet ID, the employee's user ID, the company ID of the company to which the employee belongs, card identification information, point balance, charge balance, tax-free balance for meal use, total monthly point usage, total monthly charge usage, and total monthly tax amount.

[0029] The employee benefits information storage unit 30B stores employee benefits information that is used as reference information when determining the consumption ratio of electronic money and points for the payment amount. Figure 5 is a diagram showing an example of employee benefits information stored in the employee benefits information storage unit 30B. As shown in Figure 5, the employee benefits information storage unit 30B stores information such as the employee benefits ID, company ID, store name of the store (credit card merchant) recognized by the company as a provider of employee benefits services, store ID, and industry code.

[0030] The charge information acquisition unit 31 acquires charge information indicating the amount of electronic money charged to the prepaid card 100. For example, when the prepaid card 100 is charged by credit card payment, the charge information acquisition unit 31 acquires charge information from a server (not shown) operated by the credit card company. The charge information acquisition unit 31 notifies the electronic wallet information management unit 33 of the acquired charge information.

[0031] The point awarding unit 32 executes the process of awarding points to employees. For example, the point awarding unit 32 has in advance stored the points that the company has designated to be awarded to employees as monthly welfare expenses, and periodically notifies the electronic wallet information management unit 33 and the company terminal 400 of these points every month. If an upper limit is set for the electronic money and points stored in the electronic wallet, the point awarding unit 32 checks the point balance and charge balance stored in the electronic wallet information storage unit 30A, and executes the point awarding process if it does not exceed the upper limit.

[0032] The electronic wallet information management unit 33 manages the electronic wallet information (electronic wallet information shown in Figure 4) of the prepaid card 100 stored in the electronic wallet information storage unit 30A. Specifically, the electronic wallet information management unit 33 adds the point balance or charge balance of the electronic wallet information based on the charge information notified by the charge information acquisition unit 31 and the point information notified by the point granting unit 32. The electronic wallet information management unit 33 also subtracts the applicable points balance, charge balance, and tax-exempt balance for meal use from the electronic wallet information based on the consumption ratio of electronic money and points determined by the consumption ratio determination unit 35, and adds the applicable total monthly point usage amount, total monthly charge usage amount, and total monthly tax amount information. Furthermore, the electronic wallet information management unit 33 performs a process to reset the tax-exempt balance for meal use, total monthly point usage amount, total monthly charge usage amount, and total monthly tax amount to their initial values ​​at a predetermined time each month. The initial value of the tax-free balance for meals is an amount that can be set within the range defined by tax law, for example, 3,500 yen. Also, the initial values ​​of the total monthly points used, total monthly charge used, and total monthly tax amount are 0 yen.

[0033] The payment-related information acquisition unit 34 acquires payment-related information (including payment amount, card identification information, and store information) transmitted by the payment-related information transmission unit 23 of the store terminal 200. As described above, the store name and store ID included in the store information are determination information used to determine whether the service used by the employee falls under the category of services recognized by the company as employee benefits (i.e., whether the employee's use of the service falls within the scope of employee benefits), and the payment-related information acquisition unit 34 corresponds to the determination information acquisition unit in the claims. In addition, the industry code included in the store information is information indicating the content of the service used by the employee (i.e., information regarding the intended use of various services), and the payment-related information acquisition unit 34 also corresponds to the intended use information acquisition unit in the claims.

[0034] The consumption ratio determination unit 35 calculates the maximum amount of corporate burden that is tax-deductible as welfare expenses for the payment amount (the amount of payment that an employee should pay to the store when using various services at the store) included in the payment-related information acquired by the payment-related information acquisition unit 34, and determines the consumption ratio of electronic money to points for the payment amount, such that the maximum corporate burden is consumed in points and the difference between the payment amount and the maximum corporate burden (employee burden) is consumed in electronic money.

[0035] At this time, the consumption ratio determination unit 35 refers to the electronic wallet information stored in the electronic wallet information storage unit 30A and outputs a predetermined message regarding inability to pay if the total amount of electronic money and points stored in the electronic wallet of the prepaid card 100 (total amount of charge balance and point balance) is lower than the payment amount, and if the amount of electronic money stored in the electronic wallet (charge balance) is lower than the difference between the payment amount and the maximum amount borne by the company.

[0036] Furthermore, the consumption ratio determination unit 35 determines whether the employee's use of the service falls within the scope of employee benefits, based on the determination information (store name and store ID) included in the payment-related information acquired by the payment-related information acquisition unit 34. If it does not fall within the scope of employee benefits, the unit determines the consumption ratio of electronic money to points for the payment amount, setting the point consumption amount to zero and consuming the payment amount with electronic money, without calculating the maximum amount borne by the company.

[0037] Specifically, the consumption ratio determination unit 35 obtains a company ID by referring to the electronic wallet information stored in the electronic wallet information storage unit 30A based on the card identification information included in the payment-related information obtained by the payment-related information acquisition unit 34. Then, based on the obtained company ID, it obtains the store name and store ID of the store that the company recognizes as a use for employee benefits by referring to the employee benefits information stored in the employee benefits information storage unit 30B.

[0038] The consumption ratio determination unit 35 compares the store name and store ID obtained in this manner with the store name and store ID included in the payment-related information obtained by the payment-related information acquisition unit 34. If the two match, it determines that the employee's use of the service falls within the scope of employee benefits. If it determines that the use does not fall within the scope of employee benefits, it determines the consumption ratio of electronic money to points relative to the payment amount, setting the point consumption amount to zero and paying the payment amount with electronic money.

[0039] On the other hand, if the consumption ratio determination unit 35 determines that the transaction falls within the scope of employee benefits, it will consume the maximum amount of corporate contribution recognized under tax law as employee benefit expenses using points, and the difference between the payment amount and the maximum corporate contribution using electronic money, thereby determining the consumption ratio of electronic money to points relative to the payment amount. At this time, the consumption ratio determination unit 35 calculates the maximum corporate contribution amount according to the industry code (information regarding usage) included in the payment-related information acquired by the payment-related information acquisition unit 34.

[0040] For example, if the information regarding the purpose of use indicates that it is a meal subsidy, that is, if the industry code is the code for "restaurant", the consumption ratio determination unit 35 determines whether the timing at which the payment-related information acquisition unit 34 acquired the payment-related information (the timing at which an employee's request for payment related to the use of the service was made to the store terminal 200) falls within the company's working hours. If it does not fall within working hours, the unit determines the consumption ratio of electronic money to points for the payment amount, setting the point consumption amount to zero and ensuring that the payment amount is consumed using electronic money, without calculating the maximum amount borne by the company.

[0041] Furthermore, if the industry code is "restaurant," the consumption ratio determination unit 35 determines the consumption ratio of electronic money to points relative to the payment amount, taking into account the remaining balance of the tax-free allowance for meal use stored in the electronic wallet information storage unit 30A. In other words, the consumption ratio determination unit 35 calculates the maximum amount of corporate burden that does not exceed the remaining balance of the tax-free allowance for meal use, and determines the consumption ratio of electronic money to points relative to the payment amount so that this maximum corporate burden amount is consumed with points, and the difference between the payment amount and the maximum corporate burden amount is consumed with electronic money.

[0042] On the other hand, if the industry code is not the code for "restaurants," the consumption ratio determination unit 35 calculates the maximum amount of corporate burden without considering the timing of payment or the remaining tax-free allowance for meal use, and determines the consumption ratio of electronic money to points relative to the payment amount, such that the maximum amount of corporate burden is consumed in points and the difference between the payment amount and the maximum amount of corporate burden is consumed in electronic money.

[0043] The decision result notification unit 36 ​​notifies the store terminal 200 of the information determined by the consumption ratio determination unit 35. This information regarding the decision includes not only information showing the consumption ratio of electronic money and points relative to the payment amount, but also a predetermined message indicating that the decision cannot be made using the remaining balance of electronic money and points stored in the electronic wallet of the prepaid card 100.

[0044] Figure 6 is a schematic diagram illustrating the consumption ratio determined for the payment amount. This figure shows an example of determining the consumption ratio of electronic money to points for the payment amount, without considering the remaining tax-free allowance for meals, by spending the maximum amount of corporate contribution allowed under tax law as welfare expenses using points, and spending the difference between the payment amount and the maximum corporate contribution as the employee contribution using electronic money.

[0045] Figure 6(a) shows the settlement amount as a bar graph. Basically, the maximum amount of corporate burden (hereinafter sometimes referred to as the tax-exempt limit) that can be recognized under tax law as welfare expenses (hereinafter referred to as tax-exempt welfare expenses) without taxation on employee salaries is 1 / 2 of the settlement amount. Figure 6(b) shows the balances of electronic money 10A and points 10B stored in the electronic wallet 10 as a bar graph. In the case of Figure 6(b), both the balance of electronic money 10A and the balance of points 10B are 1 / 2 or more of the settlement amount. In this case, the consumption ratio determination unit 35 determines the consumption ratio of electronic money 10A and points 10B to the settlement amount, as shown in the shaded area, so that 1 / 2 of the settlement amount is consumed with points 10B and the remaining 1 / 2 of the settlement amount is consumed with electronic money 10A.

[0046] In contrast, the example shown in Figure 6(c) illustrates a case where the balance of electronic money 10A is more than half of the payment amount, but the balance of points 10B is less than half of the payment amount. In this case, as shown in the shaded area, the consumption ratio determination unit 35 determines the consumption ratio of electronic money 10A and points 10B to the payment amount, such that the entire balance of points 10B is consumed as the maximum amount of corporate burden recognized under tax law as non-taxable welfare expenses, and the difference between the payment amount and the balance of points 10B (corporate burden) is consumed with electronic money 10A as the employee burden.

[0047] Furthermore, as shown in Figure 7(a), even if the balance of electronic money 10A is 1 / 2 or more of the payment amount, if the sum of the balance of electronic money 10A and the balance of points 10B is less than the payment amount (i.e., if the balance of electronic money 10A is less than the difference between the payment amount and the balance of points 10B), the consumption ratio determination unit 35 outputs a predetermined message indicating that payment is impossible. Also, as shown in Figure 7(b), even if the balance of points 10B is 1 / 2 or more of the payment amount, if the sum of the balance of electronic money 10A and the balance of points 10B is less than the payment amount, the consumption ratio determination unit 35 outputs a predetermined message indicating that payment is impossible. Moreover, as shown in Figure 7(c), even if the balance of points 10B is 1 / 2 or more of the payment amount AND the sum of the balance of electronic money 10A and the balance of points 10B is equal to or greater than the payment amount, if the balance of electronic money 10A is less than 1 / 2 of the payment amount, the consumption ratio determination unit 35 outputs a predetermined message indicating that payment is impossible.

[0048] The consumption ratio determination unit 35 notifies the electronic wallet information management unit 33 of the determined consumption ratio of electronic money and points relative to the payment amount (excluding a predetermined message regarding inability to pay). As described above, the electronic wallet information management unit 33 updates the relevant information stored in the electronic wallet information storage unit 30A, including the point balance, charge balance, tax-exempt balance for meal use, total monthly point usage, total monthly charge usage, and total monthly tax amount, based on the determined consumption ratio notified by the consumption ratio determination unit 35.

[0049] Furthermore, the consumption ratio determination unit 35 notifies the determination result notification unit 36 ​​of the determined consumption ratio of electronic money and points relative to the payment amount (including a predetermined message regarding the inability to pay). The determination result notification unit 36 ​​notifies the store terminal 200 of the determination made by the consumption ratio determination unit 35.

[0050] Figure 8 is a flowchart showing an example of the operation of the server 300 according to this embodiment configured as described above. This Figure 8 shows an example of the operation of the payment-related information acquisition unit 34, the consumption ratio determination unit 35, and the determination result notification unit 36, while the operation of the charge information acquisition unit 31, the point granting unit 32, and the electronic wallet information management unit 33 is omitted.

[0051] First, when the payment-related information acquisition unit 34 acquires payment-related information transmitted from the store terminal 200 (step S1), the consumption ratio determination unit 35 refers to the electronic wallet information stored in the electronic wallet information storage unit 30A and determines whether the total amount of electronic money and points stored in the electronic wallet of the prepaid card 100 (total balance of the electronic wallet) is equal to or greater than the payment amount (step S2).

[0052] If it is determined that the total balance of the electronic wallet is less than the payment amount, the consumption ratio determination unit 35 generates a predetermined message regarding the inability to pay and outputs it to the determination result notification unit 36 ​​(step S3). On the other hand, if it is determined that the total balance of the electronic wallet is equal to or greater than the payment amount, the consumption ratio determination unit 35 determines whether the employee's use of the service falls within the scope of employee benefits, based on the store name and store ID included in the payment-related information (step S4).

[0053] If it is determined that the employee's use of the service does not fall within the scope of employee benefits, the consumption ratio determination unit 35 refers to the electronic wallet information stored in the electronic wallet information storage unit 30A and determines whether the balance of electronic money (charge balance) stored in the electronic wallet of the prepaid card 100 is equal to or greater than the payment amount (step S5). If it is determined that the charge balance is less than the payment amount, the process proceeds to step S3. On the other hand, if it is determined that the charge balance is equal to or greater than the payment amount, the consumption ratio determination unit 35 determines the consumption ratio of electronic money to points relative to the payment amount, so that the amount of points consumed is zero and the payment amount is consumed with electronic money, and outputs the determined content to the determination result notification unit 36 ​​(step S6).

[0054] In step S4 above, if it is determined that the employee's use of the service falls within the scope of employee benefits, the consumption ratio determination unit 35 refers to the electronic wallet information stored in the electronic wallet information storage unit 30A and determines whether the balance of electronic money (charge balance) stored in the electronic wallet of the prepaid card 100 is 1 / 2 or more of the payment amount (step S7).

[0055] If it is determined that the charge balance is less than half of the payment amount, the process proceeds to step S3. On the other hand, if it is determined that the charge balance is half or more of the payment amount, the consumption ratio determination unit 35 calculates the maximum amount of corporate burden that is tax-exempt as welfare expenses, based on the industry code and payment timing included in the payment-related information acquired by the payment-related information acquisition unit 34, and determines the consumption ratio of electronic money to points relative to the payment amount, such that the maximum corporate burden amount is consumed in points and the difference between the payment amount and the maximum corporate burden amount is consumed in electronic money, and outputs the determined content to the determination result notification unit 36 ​​(step S8).

[0056] In step S3, step S6, or step S8, once the ratio of electronic money to points used in relation to the payment amount is determined, the determination result notification unit 36 ​​notifies the store terminal 200 of the information determined by the consumption ratio determination unit 35 (step S9). This completes the process shown in the flowchart in Figure 8.

[0057] As explained in detail above, the employee benefits processing system of this embodiment includes a prepaid card 100 that stores personal electronic money charged by employees and points provided from the server as employee benefits as an electronic wallet, a store terminal 200 used by stores that provide various services, and a server 300 that processes employee benefits. The server 300 calculates the maximum amount of corporate burden that is recognized under tax law as non-taxable employee benefits expenses for the settlement amount that employees should pay to the store when they use various services, determines the consumption ratio of electronic money to points for the settlement amount so that the maximum corporate burden amount is consumed in points and the difference between the settlement amount and the maximum corporate burden amount is consumed in electronic money, and the store terminal 200 processes the payment of the settlement amount using the electronic money and points stored in the electronic wallet of the prepaid card 100 according to the determined consumption ratio.

[0058] According to this embodiment, by pre-storing the employee's personal electronic money and the points provided for the company's employee benefits in the electronic wallet of the prepaid card 100, when an employee pays for the costs (payment amount) incurred when using various services, the maximum amount of the company's contribution that is tax-exempt as an employee benefit expense is consumed using points, and the difference between the payment amount and the maximum amount of the company's contribution is consumed using electronic money, thereby allowing the company's contribution and the employee's contribution to be settled in real time using the prepaid card 100.

[0059] Furthermore, according to this embodiment, if an employee attempts to make a payment at a store using the prepaid card 100 and the balance of electronic money and / or points is insufficient, the employee will be notified that the payment is unsuccessful. Also, if the service at the store where the employee attempts to make a payment using the prepaid card 100 does not fall within the scope of employee benefits, payment will be automatically made using only electronic money. As a result, employees can use the prepaid card 100 without worrying about the balances of their electronic money and points, and without having to be particularly aware of whether or not the service is covered by employee benefits.

[0060] In the above embodiment, an example in which a prepaid card 100 is used as an example of an electronic wallet storage medium was described, but the present invention is not limited thereto. For example, as shown in Figure 9, a storage medium built into a mobile terminal 100' (corresponding to the employee terminal in the claims) such as a smartphone or tablet owned by an employee may be used as the electronic wallet storage medium. The mobile terminal (employee terminal) 100' and the store terminal 200 are wirelessly connected by wireless communication means such as Bluetooth® or Wi-Fi. In addition, the employee terminal 100' and the server 300 are connected via a communication network 500.

[0061] When the employee terminal 100' is used as an electronic wallet storage medium, the employee terminal 100' may be equipped with the functions of the server 300 shown in Figure 3 (excluding the point awarding unit 32). In this case, the employee terminal 100' with a built-in electronic wallet storage medium corresponds to the information processing device in the claims. In this case, instead of the store terminal 200 and server 300 in Figure 9, a store terminal 200' and a server 300' are provided. The store terminal 200' communicates with the employee terminal 100', not with the server 300'. The server 300' only needs to be equipped with at least the point awarding unit 32.

[0062] Figure 10 is a block diagram showing an example of the functional configuration of an employee terminal 100' when the employee terminal 100' is configured to have the functions of the server 300 shown in Figure 3 (excluding the point awarding unit 32). In Figure 10, components with the same reference numerals as those shown in Figure 3 have the same functions, so redundant explanations are omitted here.

[0063] As shown in Figure 10, the employee terminal 100' has the following functional configuration: a charge information acquisition unit 31', a point information acquisition unit 32', an electronic wallet information management unit 33', a payment-related information acquisition unit 34', a consumption ratio determination unit 35, a determination result notification unit 36, a payment processing unit 37, and a message display unit 38. The employee terminal 100' also has an electronic wallet information storage unit 30A' and a welfare information storage unit 30B' as storage media. This electronic wallet information storage unit 30A' corresponds to the electronic wallet storage medium. The employee terminal 100' has a welfare processing program (hereinafter sometimes referred to as a welfare application) installed for processing related to the functional configuration shown in Figure 10.

[0064] Employee terminals 100' can charge electronic money using the employee benefits app. For example, electronic money can be charged by cash payment using a charging terminal (not shown) (e.g., a convenience store register, a bank ATM, etc.). Alternatively, by registering cash card or credit card information in the employee benefits app, it is also possible to charge by bank transfer or credit card payment. The charge information acquisition unit 31' acquires charge information indicating the amount of electronic money that has been charged and notifies the electronic wallet information management unit 33' of the acquired charge information.

[0065] The point information acquisition unit 32' acquires point information indicating the number of points awarded by the point awarding unit 32 of the server 300' via the communication network 500, and notifies the electronic wallet information management unit 33' of the acquired point information.

[0066] The electronic wallet information management unit 33' manages information about the electronic wallet stored in the electronic wallet information storage unit 30A' based on the charge information notified by the charge information acquisition unit 31', the point information notified by the point information acquisition unit 32', and the consumption rate information notified by the payment processing unit 37. The electronic wallet information storage unit 30A' stores electronic wallet information for only one employee who uses the employee terminal 100', so the electronic wallet information management unit 33' only needs to manage the electronic wallet information for that one employee.

[0067] Furthermore, the electronic wallet information management unit 33' does not necessarily have to store card identification information from the information shown in Figure 4. The employee benefits information storage unit 30B' only needs to store information regarding services that the company to which the employee using the employee terminal 100' belongs recognizes as part of the scope of employee benefits. The employee benefits information in the employee benefits information storage unit 30B' can be downloaded in advance from the server 300' to the employee terminal 100' and stored there.

[0068] The payment-related information acquisition unit 34' acquires payment-related information (including payment amount and store information) transmitted by the payment-related information transmission unit 23 of the store terminal 200'. The consumption ratio determination unit 35 determines the consumption ratio of electronic money to points for the payment amount included in the payment-related information acquired by the payment-related information acquisition unit 34', in the same manner as in the embodiment described above. If payment cannot be made, a predetermined message regarding the inability to pay is generated and output to the message display unit 38, which then displays it on the display of the employee terminal 100'.

[0069] The payment processing unit 37 controls the electronic wallet information management unit 33' according to the consumption ratio determined by the consumption ratio determination unit 35, and processes the payment of the settlement amount to the store terminal 200' using the electronic money and points stored in the electronic wallet of the electronic wallet information storage unit 30A'. In other words, the payment processing unit 37 notifies the electronic wallet information management unit 33' and the store terminal 200' of information regarding the content determined by the consumption ratio determination unit 35, and the electronic wallet information management unit 33' and the payment processing unit 25 execute the process of consuming electronic money and points from the electronic wallet of the employee terminal 100' according to the determined consumption ratio.

[0070] As described above, even when the employee terminal 100' is configured as shown in Figure 10, by pre-storing the employee's personal electronic money and the points provided by the company for employee benefits in the employee terminal 100's electronic wallet, when an employee pays for the costs (payment amount) incurred when using various services, the maximum amount of company contribution recognized under tax law as non-taxable employee benefit expenses is consumed using points, and the difference between the payment amount and the maximum amount of company contribution is consumed using electronic money, thereby enabling real-time settlement of company contribution and employee contribution at the employee terminal 100'.

[0071] Furthermore, when configured as shown in Figure 10, employee electronic wallet information can be managed within the employee terminal 100', and payments can be made between the employee terminal 100' and the store terminal 200' without going through the server 300'. Also, when configured as shown in Figure 10, electronic money can be used at stores that do not accept credit cards, and it is possible to calculate the consumption ratio of electronic money and points only when paying at credit card-accepting stores and then make the payment.

[0072] In addition, in the configuration shown in Figure 10, the point consumption status of the employee terminal 100' may be notified to the server 300', and this information may be provided from the server 300' to the corporate terminal 400.

[0073] Furthermore, in the above embodiment, the electronic wallet information of each employee managed by the electronic wallet information storage unit 30A of the server 300 may be configured to transmit to the corporate terminal 400, or to make it viewable from the corporate terminal 400. This makes it possible for the company to understand the usage status of welfare benefits by each employee belonging to the company. A predetermined aggregation process may be performed on the electronic wallet information of each employee, and the aggregation results may be provided to the corporate terminal 400.

[0074] Furthermore, in the above embodiment, the consumption ratio determination unit 35 calculated the maximum amount of corporate burden that does not exceed the remaining balance of the tax-exempt limit for meal use, and described an example in which points are consumed within the range of the remaining balance of the tax-exempt limit. However, the present invention is not limited to this. For example, even if the amount exceeds the remaining balance of the tax-exempt limit for meal use, if the amount borne by the employee is 1 / 2 or more of the settlement amount, the system may decide to consume points in excess of the remaining balance of the tax-exempt limit. However, in this case, the amount of points consumed that exceeds the remaining balance of the tax-exempt limit for meal use will be treated as taxable welfare expenses (or taxable wages and allowances) and will be subject to taxation, so information that shows the details of the taxation is provided from the server 300 to the corporate terminal 400.

[0075] Furthermore, while the above embodiment described an example in which the maximum amount of corporate contribution (up to 1 / 2 of the settlement amount) that is recognized under tax law as non-taxable welfare expenses is consumed with company points, and the difference between that amount and the settlement amount is consumed with the employee's electronic money, the present invention is not limited to this. For example, each company may be able to set whether or not to consume points beyond the non-taxable limit (whether or not to consume taxable welfare expenses recognized under tax law as taxable welfare expenses with points). Also, if the consumption of points beyond the non-taxable limit is permitted, each company may be able to set the percentage of points consumed relative to the settlement amount (either 50% or 100%). Since consumption of points beyond the non-taxable limit will be taxed, information that shows the details of the tax is provided from the server 300 to the corporate terminal 400.

[0076] The consumption ratio determination unit 35 determines the consumption ratio of electronic money to points relative to the payment amount, such that if it is set to consume points as taxable welfare expenses, the total amount of non-taxable welfare expenses and taxable welfare expenses is consumed with points, and the difference between the total amount and the payment amount is consumed with electronic money.

[0077] Furthermore, in the above embodiment, an example was described in which the consumption ratio determination unit 35 calculates the maximum amount of corporate burden without considering the timing of payment or the remaining tax-free allowance for meal use, when the industry code is not the code for "restaurants". However, the present invention is not limited to this. For example, when the industry code is the code for "accommodation" (when the information on usage obtained by the payment-related information acquisition unit 34 indicates that it is an accommodation subsidy), an amount equivalent to the accommodation tax on the payment amount (accommodation fee) may be consumed by the employee as an employee burden using electronic money, and the difference between the employee burden and the payment amount may be consumed using company points. This is because accommodation tax is not subject to consumption tax, and including it in the company's welfare expenses would create a burden on the accounting staff.

[0078] In this case, if the industry code is "accommodation," the consumption ratio determination unit 35 calculates the maximum amount of corporate burden allowed under tax law as employee welfare expenses by subtracting the amount equivalent to the accommodation tax from the payment amount, and determines the consumption ratio of electronic money to points relative to the payment amount so that this maximum amount of corporate burden is consumed in points and the amount equivalent to the accommodation tax is consumed in electronic money. Since the accommodation tax varies depending on the location, a predetermined percentage of the payment amount (for example, 5 to 10%) may be consumed in electronic money to ensure that the amount equivalent to the accommodation tax is consumed in electronic money as an employee burden.

[0079] Furthermore, although the above embodiment describes an example in which electronic money and points are recorded on the prepaid card 100, the present invention is not limited thereto. For example, electronic money and points may not be recorded on the prepaid card 100, and may be managed only by the electronic wallet information storage unit 30A of the server 300. In this case, the electronic wallet information storage unit 30A corresponds to the electronic wallet storage medium in the claims. Alternatively, the charged electronic money may be recorded on the prepaid card 100, and the points awarded by the server 300 may be managed only by the electronic wallet information storage unit 30A of the server 300. In this case, the prepaid card 100 and the electronic wallet information storage unit 30A correspond to the electronic wallet storage medium in the claims.

[0080] Furthermore, the above embodiments are merely examples of how the present invention may be implemented, and the technical scope of the invention should not be interpreted as being limited by them. In other words, the present invention can be implemented in various ways without departing from its gist or its main features. [Explanation of Symbols]

[0081] 31,31' Charge information acquisition unit 32 Point Award Section 32' Point Information Acquisition Unit 33,33' Electronic Wallet Information Management Department 34,34' Payment-related information acquisition unit 35. Consumption ratio determination unit 36 Decision result notification department 37 Payment Processing Section 100 Prepaid Cards (Electronic Wallet Storage Devices) 100' Employee Terminals (Information Processing Devices) 200,200' Store terminal 300,300' Server (Information Processing Unit)

Claims

1. An acquisition unit that obtains information regarding the amount of payment made by employees to the store, Regarding the aforementioned settlement amount, a calculation unit calculates the maximum amount of corporate burden that is tax-free under tax law as non-taxable welfare expenses for the employee's salary, An electronic wallet information storage unit stores identification information of an electronic wallet that stores electronic money charged by the employee and points awarded by the company to which the employee belongs, the balance of the electronic money, and the balance of the points in association with each other. When the payment amount is made using the aforementioned electronic wallet, a determination unit determines, based on the maximum tax-exempt corporate burden and the payment amount, that the portion to be paid with the maximum tax-exempt corporate burden is the portion to be paid with the aforementioned points, and that the portion to be paid with the difference obtained by subtracting the maximum tax-exempt corporate burden from the payment amount is the portion to be paid with the aforementioned electronic money. An electronic wallet information management unit subtracts the balance of the electronic money and the balance of the points stored in the electronic wallet information storage unit based on the portion to be paid with the electronic money and the portion to be paid with points determined by the determination unit. In addition to the maximum amount of non-taxable corporate burden, a setting unit accepts a setting for whether or not to pay taxable welfare expenses, which are taxable welfare expenses under tax law, in the aforementioned points as taxable welfare expenses on the employee's salary. Equipped with, If the setting unit has set that the taxable welfare expenses will be paid in points, the calculation unit calculates the total amount of the settlement amount, which is the sum of the maximum non-taxable company burden and the taxable welfare expenses. The determination unit determines that the total amount will be paid using the points, and that the difference between the payment amount and the total amount will be paid using the electronic money. Information processing device.

2. The acquisition unit further acquires information regarding the intended use of the services that the store provides to the employees, Based on the information regarding the intended use, the calculation unit calculates the maximum amount of corporate burden, and the determination unit determines the portion to be paid with electronic money and the portion to be paid with points. The information processing apparatus according to claim 1.

3. If the information regarding the intended use indicates that it is a meal subsidy, the determination unit determines that the portion to be paid with the maximum amount borne by the company is the points, and determines that the portion to be paid with electronic money is the difference between the total payment amount and the maximum amount borne by the company. The information processing apparatus according to claim 2.

4. We obtain information regarding the amount of payments made by employees to the store. With respect to the aforementioned settlement amount, the maximum amount of corporate burden that is tax-free under tax law as an employee benefit expense not subject to taxation on the employee's salary is calculated. The electronic wallet information storage unit stores the identification information of the electronic wallet that stores the electronic money charged by the employee and the points awarded by the company to which the employee belongs, the balance of the electronic money, and the balance of the points in association with each other. When the payment amount is made using the aforementioned electronic wallet, the portion to be paid with points is determined based on the maximum tax-exempt corporate burden and the payment amount, and the portion to be paid with electronic money is determined to be the difference between the payment amount and the maximum tax-exempt corporate burden. Based on the portion to be paid with the electronic money and the portion to be paid with the points, the balance of the electronic money and the balance of the points stored in the electronic wallet information storage unit are subtracted. In addition to the maximum corporate burden amount that is not subject to tax, the company will accept the setting of whether or not to pay taxable employee benefits expenses, which are subject to taxation under tax law, in the aforementioned points as taxable employee benefits expenses on the employee's salary. If the aforementioned taxable employee benefits are to be paid with the aforementioned points, the total amount of the settlement shall be calculated as the sum of the aforementioned maximum non-taxable company burden and the aforementioned taxable employee benefits. The aforementioned total amount is determined to be the portion to be paid with points, and the difference obtained by subtracting the aforementioned total amount from the payment amount is determined to be the portion to be paid with electronic money. An information processing method in which a computer performs the processing.

5. We obtain information regarding the amount of payments made by employees to the store. With respect to the aforementioned settlement amount, the maximum amount of corporate burden that is tax-free under tax law as an employee benefit expense not subject to taxation on the employee's salary is calculated. The electronic wallet information storage unit stores the identification information of the electronic wallet that stores the electronic money charged by the employee and the points awarded by the company to which the employee belongs, the balance of the electronic money, and the balance of the points in association with each other. When the payment amount is made using the aforementioned electronic wallet, the portion to be paid with points is determined based on the maximum tax-exempt corporate burden and the payment amount, and the portion to be paid with electronic money is determined to be the difference between the payment amount and the maximum tax-exempt corporate burden. Based on the portion to be paid with the electronic money and the portion to be paid with the points, the balance of the electronic money and the balance of the points stored in the electronic wallet information storage unit are subtracted. In addition to the maximum corporate burden amount that is not subject to tax, the company will accept the setting of whether or not to pay taxable employee benefits expenses, which are subject to taxation under tax law, in the aforementioned points as taxable employee benefits expenses on the employee's salary. If the aforementioned taxable employee benefits are to be paid with the aforementioned points, the total amount of the settlement shall be calculated as the sum of the aforementioned maximum non-taxable company burden and the aforementioned taxable employee benefits. The aforementioned total amount is determined to be the portion to be paid with points, and the difference obtained by subtracting the aforementioned total amount from the payment amount is determined to be the portion to be paid with electronic money. A program that instructs a computer to perform a process.

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