Management device, terminal program, computer program, and information processing method

Abstract

This disclosure provides a management device, etc., that can consistently manage users' salary information and electronic money transaction information after salary receipt. [Solution] This disclosure provides a management device for managing a main wallet into which electronic money related to salary is deposited and a family wallet used by the family of the user of the main wallet, comprising a database that stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallet, and a processing unit that processes transactions using the electronic money of the main wallet and the family wallet.

Description

Technical Field

[0001] The present disclosure relates to a management device, a terminal program, a computer program, and an information processing method.

Background Art

[0002] In recent years, with the advancement of IT technology, cashless transactions have been expanding. In Patent Document 1, a digital salary system is disclosed in which an amount equivalent to a salary is charged to an electronic money account provided by a fund transfer operator or the like in the salary paid from a company to an employee. Further, in the purchase of goods and services, etc., electronic payment systems such as credit payment, prepaid payment, or code payment have become widespread.

Prior Art Documents

Patent Documents

[0003]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0004] In conventional cashless systems, many are limited to functions for managing deposit and withdrawal information in each system. In fund management, it is desirable to be able to consistently manage salary information and transaction information of electronic money after receiving a salary.

[0005] An object of the present disclosure is to provide a management device and the like that can consistently manage users' salary information and transaction information of electronic money after receiving a salary.

Means for Solving the Problems

[0006] A management device relating to one aspect of this disclosure is a management device that manages a main wallet into which electronic money related to salary is deposited and a family wallet used by the family of the user of the main wallet, comprising a database that stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallet, and a processing unit that processes transactions using the electronic money of the main wallet and the family wallet, wherein when electronic money of salary is deposited into the main wallet, the processing unit moves the electronic money from the main wallet to the family wallet based on the allocation information stored in the database, stores transaction information related to the movement of electronic money of salary from the main wallet to the family wallet in the database, and when a transaction is performed using the electronic money of the main wallet and the family wallet, it executes a process to store transaction information related to the movement of electronic money based on the transaction in the database.

[0007] One aspect of this disclosure is a terminal program that communicates with a management device that manages a primary wallet into which salaries are deposited as electronic money and family wallets used by family members of the primary wallet user. The terminal displays multiple icons corresponding to each of the multiple family wallets used by family members of the primary wallet user, accepts the selection of the family wallet corresponding to one of the displayed icons, requests transaction information related to the selected family wallet from the management device, receives the transaction information transmitted from the management device in response to the request, and executes a process to display the received transaction information.

[0008] A computer program relating to one aspect of this disclosure is a computer program that causes a computer to perform a process to manage a main wallet into which salary-related electronic money is deposited and a family wallet used by the family of the user of the main wallet, and causes the computer to perform a process to store allocation information for distributing the salary-related electronic money deposited into the main wallet to the family wallet, process transactions using the electronic money in the main wallet and the family wallet, move the electronic money from the main wallet to the family wallet based on the allocation information when salary-related electronic money is deposited into the main wallet, store transaction information relating to the movement of salary-related electronic money from the main wallet to the family wallet, and when a transaction is performed using the electronic money in the main wallet and the family wallet, store transaction information relating to the movement of electronic money based on the transaction.

[0009] An information processing method relating to one aspect of this disclosure is an information processing method for managing a main wallet into which electronic money related to salary is deposited and a family wallet used by a family member of the user of the main wallet, the method storing allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallet, processing transactions using the electronic money of the main wallet and the family wallet, when electronic money of salary is deposited into the main wallet, moving the electronic money from the main wallet to the family wallet based on the allocation information, storing transaction information related to the movement of electronic money of salary from the main wallet to the family wallet, and when a transaction is performed using the electronic money of the main wallet and the family wallet, the method storing transaction information related to the movement of electronic money based on the transaction. [Effects of the Invention]

[0010] According to this disclosure, salary information and electronic money transaction information after salary receipt can be managed consistently. [Brief explanation of the drawing]

[0011] [Figure 1] This is a schematic diagram showing an example configuration of the payroll management system according to Embodiment 1. [Figure 2] This is a block diagram showing an example configuration of a corporate management device, a management device, a terminal, and a store management device according to Embodiment 1. [Figure 3] This figure shows an example of the content of information stored in the user database according to Embodiment 1. [Figure 4] This figure shows an example of the information stored in the merchant database according to Embodiment 1. [Figure 5] This figure shows an example of the contents of the information stored in the wallet master DB according to Embodiment 1. [Figure 6] This figure shows an example of the contents of the information stored in the transaction DB according to Embodiment 1. [Figure 7] This figure shows an example of the contents of the information stored in the wallet balance DB according to Embodiment 1. [Figure 8] This flowchart shows the processing procedure of the control device according to Embodiment 1. [Figure 9] This flowchart shows the processing procedure of the control device according to Embodiment 1. [Figure 10] This figure shows an example of the contents of the information stored in the wallet application DB according to Embodiment 2. [Figure 11] This is a schematic diagram showing an example of an application screen according to Embodiment 2. [Figure 12] This is a schematic diagram showing an example of an application screen according to Embodiment 2. [Figure 13] This is a schematic diagram showing an example of an application screen according to Embodiment 2. [Figure 14] This flowchart shows the processing procedure of the control device according to Embodiment 2. [Figure 15] This flowchart shows the processing procedure of the control device according to Embodiment 2. [Modes for carrying out the invention]

[0012] A salary management system according to an embodiment of the present disclosure will be described below with reference to the drawings. Note that the present disclosure is not limited to these examples, and is defined by the claims, and is intended to include all modifications within the meaning and scope equivalent to the claims. Also, at least a part of the embodiments described below may be arbitrarily combined.

[0013] First, the background of this embodiment will be described again. In recent years, regarding the salary paid by companies to employees, in addition to transferring it to a bank deposit account, a form of charging an amount equivalent to the salary to an electronic money account provided by a funds transfer operator or the like (so-called digital salary) is being institutionalized and becoming widespread. On the other hand, in the purchase of goods or services, etc., electronic payment means such as credit payment, prepaid payment, or QR code (registered trademark) payment are diversifying, and the deposit (income) of salary and daily payments (expenses) tend to be分散 recorded among multiple operators.

[0014] In the conventional financial system, a bank or the like that manages salary deposits can grasp fund transfers such as inter-account transfers and deductions starting from the salary, but it is difficult to grasp detailed expenditure information regarding electronic payments such as credit card or QR code payments. On the other hand, the provider of the electronic payment system can grasp the payment information within its own system, but cannot comprehensively grasp the entire flow of funds starting from the salary as its original capital (for example, the distribution from salary payment to household expenses, education expenses, remittances, and even the consumption behavior of family members). As a result, although salary should be information that is the starting point of economic activities, the correspondence between salary deposits and expenditures is fragmented, and household management or purpose-based expenditure management at the family level tends to rely on manual transfers and remittances.

[0015] It should be noted that the word "分散" in the original text may be a misspelling. It might be intended to be "分散的" or some other word. The translation is based on the provided text as accurately as possible.Furthermore, when the primary user continuously provides living expenses, pocket money, or remittances to a spouse, child, parent, etc., it is not easy to integrally implement management functions such as (i) automation of distribution, (ii) usage restrictions by purpose (such as education expenses or medical expenses), including permitted stores, permitted areas, or upper limit amounts, and (iii) visualization of the usage status of the family wallet and detection of deviations, triggered by salary deposits. Therefore, there is a need for a technology that can integrate the flow of funds starting from salary and the settlement information of each family member on the same platform, promote expenditure in line with the purpose, and suppress unintended expenditures.

[0016] According to this embodiment, since the distribution of electronic money to the family is automated triggered by the deposit of salary, the payment permission can be determined based on usage restrictions by purpose, and the transaction information of electronic money can be updated, the fund flow of the family unit starting from salary can be integrally visualized and managed, reducing the burden of manual remittances and the risk of deviated expenditures.

[0017] (Embodiment 1) FIG. 1 is a schematic diagram showing a configuration example of a salary management system according to Embodiment 1. The salary management system of this embodiment can consistently manage the salary information of the user and the transaction information of electronic money after receiving the salary. In this embodiment, consistent management means distributing the electronic money of the salary transferred to the user to the family members of the user and managing the transaction information related to the movement of electronic money by the user and the family members of the user. Electronic money is, for example, a currency provided by a country such as the Japanese yen or the US dollar that can be electronically transacted.

[0018] In the salary management system of this embodiment, the salary paid by the company is directly provided to the user as electronic money. Furthermore, the salary management system automatically distributes the paid electronic money to the family members of the user. Hereinafter, the user who receives the salary is appropriately called the primary user, and the family members of the primary user are called family users. Also, the primary user and the family users are collectively called users as appropriate.

[0019] The payroll management system according to Embodiment 1 includes a corporate management device 1, a management device 2, a terminal 3, and a store management device 4. The management device 2 is communicated with the corporate management device 1, the terminal 3, and the store management device 4 via a network N. In the configuration example in Figure 1, for simplicity, there is only one terminal 3, but multiple terminals 3 may be connected to the network N.

[0020] In this embodiment, the management device 2 has a wallet for managing users' electronic money. The salaries of employees, who are primary users, paid by the company are automatically transferred as electronic money to the primary user's wallet by the management device 2. Specifically, the company management device 1 transmits salary information, including the salary amount to be paid to each employee, the salary transfer date, and the employee ID, to the management device 2. The management device 2 receives the salary information transmitted from the company management device 1 and, based on the received salary information, executes a process to charge the electronic money of the salary to each user's wallet.

[0021] Users can use electronic money, for example, by using a terminal 3 or a contactless IC card. Terminal 3 has, for example, NFC (Near Field Communication) functionality and stores the user's wallet ID. Terminal 3 communicates payment-related information with a store management device 4 installed in the store via contactless communication. Store management device 4 sends and receives information related to payment processing, such as payment approval / rejection, with management device 2, including information such as the wallet ID read from terminal 3, store information, and payment amount information, and executes the payment processing. Similarly, the contactless IC card also stores the user's wallet ID and communicates with store management device 4 via contactless communication, and store management device 4 and management device 2 execute the payment processing.

[0022] Furthermore, terminal 3 has an application (wallet app) installed for managing the user's electronic money, such as the user's electronic money balance and transaction history. The wallet app may also have QR code payment app functionality. The user's terminal 3 reads the QR code displayed on the store management device 4, which contains store information and payment amount information, and transmits it to the management device 2 along with the wallet ID. Terminal 3 sends and receives information related to payment processing with the management device 2 and executes the payment processing.

[0023] The store management device 4 is a device installed in a store that provides goods or services to consumers. The store management device 4 consists of a POS (Point of Sale) terminal, etc. The store management device 4 may also consist of a laptop computer, tablet computer, or smartphone equipped with payment functions.

[0024] Figure 2 is a block diagram showing an example configuration of the enterprise management device 1, management device 2, terminal 3, and store management device 4 according to Embodiment 1.

[0025] Enterprise management device 1 and management device 2 are information processing devices capable of various information processing, information transmission and reception, and storage. Enterprise management device 1 and management device 2 are, for example, server devices, personal computers, tablet terminals, or smartphones. Management device 2 may consist of multiple information processing devices, or it may be configured as one of multiple virtual devices (virtual machines) configured within a single information processing device.

[0026] In this embodiment, the corporate management device 1 is managed by the company to which the primary user belongs. The management device 2 is managed by the company that provides the wallet to the user. For example, the corporate management device 1 stores the amount of salary paid to an employee, payday, and other salary-related details, associated with an employee ID to identify multiple primary users who are employees. The corporate management device 1 transmits each employee's salary information to the management device 2 on the payday or at an appropriate time. The management device 2 receives the salary information transmitted from the corporate management device 1 and manages each employee's (each user for that employee) salary as electronic money based on the received salary information.

[0027] The corporate management device 1 is a computer comprising a corporate processing unit 11, a corporate storage unit 12, and a corporate communication unit 13.

[0028] The enterprise processing unit 11 has one or more computing devices such as a CPU (Central Processing Unit), an MPU (Micro-Processing Unit), or a GPU (Graphics Processing Unit). Based on the program P1 stored in the enterprise memory unit 12 and the information stored in the employee DB 121, the enterprise processing unit 11 transmits the primary user and the primary user's salary information to the management device 2.

[0029] The corporate memory unit 12 is, for example, a non-volatile memory such as a hard disk, flash memory, or SSD (Solid State Drive). The corporate memory unit 12 stores the program P1 and the employee database 121 that the corporate processing unit 11 references. The employee database 121 is a database that stores employee salary information, etc. The employee salary information includes information such as an employee ID to identify each employee, the employee's salary amount, and the salary payment date. The program P1 and the employee database 121 may be provided on a recording medium or distributed from an external computer.

[0030] The enterprise communication unit 13 includes a communication circuit that enables communication with the management device 2 via the network N. The enterprise communication unit 13 may be a wireless communication circuit that directly connects wirelessly to an external communication device according to a predetermined communication protocol, or it may be a communication circuit that connects wirelessly to an external communication device. The enterprise processing unit 11 can send and receive information with the management device 2 via the enterprise communication unit 13.

[0031] Management device 2 receives employee salary information from corporate management device 1. Based on the received salary information and the primary user information stored in the storage unit 22, management device 2 charges electronic money to the primary user's wallet. Management device 2 is a computer equipped with a processing unit 21, a storage unit 22, and a communication unit 23.

[0032] The processing unit 21 comprises one or more arithmetic processing units such as CPUs, MPUs, or GPUs. Based on the program P2 stored in the storage unit 22, the processing unit 21 processes transactions using the wallet's electronic money. For example, the processing unit 21 charges the salary paid by the company to which the primary user belongs as electronic money to the primary user's wallet. The information obtained from the corporate management device 1 includes the primary user's salary information.

[0033] A wallet consists of a primary wallet into which electronic money is deposited, and family wallets used by the primary wallet user's family members. In other words, the primary wallet is used by the primary user, and family wallets are used by family members. Furthermore, there are several types of family wallets, each indicating a different purpose for which electronic money is used. Examples of family wallet types include a wife's wallet used by the primary user's wife, a child's wallet used by the primary user's child, or a parent's wallet used by the primary user's parents.

[0034] The purpose of use in this embodiment is for goods or services that can be paid for using the family wallet. For example, the wife's wallet is used for living expenses such as food or daily necessities. The child's wallet is used for educational expenses such as learning materials, stationery, or learning apps. The parents' wallet is used for medical expenses or care-related expenses such as medicine, hospital visits, or caregiving expenses.

[0035] Note that the "wife wallet" is an example of a spouse wallet used by the primary user's spouse. The types of family wallets are not limited to this; family wallets may also include a husband wallet used by the primary user's husband, or a grandparent wallet used by the primary user's grandparents, etc.

[0036] The storage unit 22 is, for example, a non-volatile memory such as a hard disk, flash memory, or SSD. The storage unit 22 is separate from the management device 2 and may be one or more externally connected external storage devices. The storage unit 22 stores various data that the processing unit 21 refers to. The processing unit 21 may store information regarding the primary user and the primary user's salary received from the enterprise management device 1 in the storage unit 22.

[0037] The storage unit 22 of this embodiment stores a program P2 for causing a computer to execute processing related to electronic money, a user DB 221, a merchant DB 222, a wallet master DB 223, a transaction DB 224, and a wallet balance DB 225.

[0038] The computer program (program product) including program P2 and various databases may be provided on a recording medium 2A on which the computer program is recorded in a readable format. The recording medium 2A is a portable memory such as a CD-ROM, USB memory, or SD (Secure Digital) card. The processing unit 21 reads the desired computer program from the recording medium 2A using a reading device (not shown) and stores the read computer program in the storage unit 22. Alternatively, the computer program may be provided by communication. Program P2 may be a single computer program or may consist of multiple computer programs. Program P2 may also be executed on a single computer or may be executed collaboratively by multiple computer programs.

[0039] The communication unit 23 includes a communication circuit that enables communication via the network N. The communication unit 23 may be a wireless communication circuit that directly connects wirelessly to an external communication device according to a predetermined communication protocol, or it may be a communication circuit that connects wirelessly to an external communication device. The processing unit 21 transmits and receives information between the enterprise management device 1 and the terminal 3 via the communication unit 23.

[0040] Terminal 3 is a terminal used by the user to access the electronic money in the wallet and transmits and receives information with the management device 2. Terminal 3 can be, for example, a smartphone, a tablet, or a personal computer. Terminal 3 comprises a terminal processing unit 31, a terminal storage unit 32, a terminal communication unit 33, a terminal display unit 34, and a terminal operation unit 35.

[0041] The terminal processing unit 31 has one or more processing units such as CPUs, MPUs, or GPUs. The terminal processing unit 31 executes various application programs P3 stored in the terminal storage unit 32. Users can use electronic money from the terminal 3 using the application programs P3.

[0042] Application program P3 is a program for managing and using electronic money for users. Application program P3 is stored in management device 2 or cloud storage. Terminal processing unit 31 retrieves application program P3 via network N and stores it in terminal storage unit 32.

[0043] The terminal storage unit 32 uses non-volatile memory such as a hard disk, flash memory, or SSD. The terminal storage unit 32 stores data that the terminal processing unit 31 references. The terminal storage unit 32 stores various application programs P3, including the wallet application acquired by the terminal processing unit 31.

[0044] The wallet app installed on device 3 differs for each primary wallet and family wallet. Each family wallet's wallet app stores associated usage information indicating the type of electronic money used.

[0045] The terminal communication unit 33 enables communication with the management device 2 via a network N including the Internet or a carrier network. Specifically, the terminal communication unit 33 may be a wireless communication device connected to a carrier network or a wireless communication device for Wi-Fi.

[0046] The terminal display unit 34 is a display such as a liquid crystal display or an organic EL display. The terminal display unit 34 displays the GUI of the application program P3 related to the wallet. The terminal display unit 34 is a touch panel-integrated display. The terminal processing unit 31 displays a screen related to the wallet on the terminal display unit 34 based on the application program P3.

[0047] The terminal operation unit 35 is a user interface that enables input and output with the terminal processing unit 31, and is a touch panel built into the terminal display unit 34. The terminal operation unit 35 may also be a physical button. The terminal operation unit 35 may also be a voice input unit. The terminal processing unit 31 receives input from the user via the terminal operation unit 35.

[0048] Next, the database will be described. Figure 3 is a diagram showing an example of the contents of the information stored in the user DB 221 according to Embodiment 1. The user DB 221 is a database that stores various information about the primary user or family users. For example, the user DB 221 stores the primary wallet information file 221a shown in Figure 3A, the family wallet information file 221b shown in Figure 3B, and the distribution information file 221c shown in Figure 3C. The user DB 221 may also store information obtained from the employee DB 121 of the corporate management device 1.

[0049] The main wallet information file 221a includes columns for main user ID, authentication information, wallet ID, employee ID, registration date, basic user information, and application ID.

[0050] The Primary User ID column stores an ID to identify the user of the primary wallet. The Primary User ID may also be the login ID used by the primary wallet user when using the wallet app. The Authentication Information column stores the authentication information used by the primary user when logging into the wallet app. The authentication information may be, for example, a password, facial recognition, fingerprint recognition, voiceprint recognition, or a combination thereof. The Wallet ID column stores an ID to identify the wallet. The Employee ID column is an ID to identify the primary user's information registered with the company, and stores the Employee ID obtained from the company management device 1. The Registration Date column stores the wallet's registration date. The User Basic Information column stores the primary user's attribute information. Attribute information includes name, gender, occupation, annual income, external financial account, address, telephone number, and date of birth. The App ID column stores information that identifies the wallet app associated with the wallet.

[0051] Family wallet information file 221b includes columns for Family User ID, Authentication Information, Wallet Type ID, Wallet ID, Primary User ID, Registration Date, Family Basic Information, and Application ID.

[0052] The Family User ID column stores an ID to identify the user of the family wallet. The Family User ID may also be the login ID used by the family wallet user when using the wallet app. The Authentication Information column stores the authentication information used by the family wallet user when logging into the wallet app. The authentication information may be, for example, a password, facial recognition, fingerprint recognition, voiceprint recognition, or a combination thereof. The Wallet Type ID column stores an ID to identify the wallet type. The wallet types are wife wallet, child wallet, or parent wallet. The Wallet ID column stores an ID to identify the family wallet. The Primary User ID column stores the primary user ID associated with the family wallet. The Registration Date column stores the registration date of the family wallet. The Family Basic Information column stores attribute information of the family wallet user. Attribute information includes name, gender, occupation, annual income, external financial accounts, address, telephone number, and date of birth. The App ID column stores information that identifies the wallet app associated with the family wallet.

[0053] The allocation information file 221c stores allocation information for distributing the electronic money of salary deposited into the main wallet to family wallets. In this embodiment, the allocation information includes the allocation date, allocation amount, recipient wallet, and upper limit amount for the electronic money from the main wallet to the family wallets. The allocation information file 221c stores the main user ID column, wallet ID column, allocation date column, and allocation amount column.

[0054] The Primary User ID column stores the primary user ID associated with the family wallet. The Wallet ID column stores the wallet ID of the family wallet to which the primary user's electronic money is allocated. The Allocation Date column stores the date and time the electronic money is allocated. Alternatively, the allocation cycle may be stored instead of the allocation date. The allocation cycle could be, for example, 10 days. In this case, the primary wallet will charge electronic money to the family wallet every 10 days. The Allocation Amount column stores the amount of electronic money to be allocated. The allocation information file 221c may also store information regarding the upper limit of the electronic money amount, in addition to the above.

[0055] Figure 4 shows an example of the information stored in the merchant DB222 according to Embodiment 1. The merchant DB222 stores information about stores (merchants) that have a contract with the company that provides the wallet. The merchant DB222 stores a store ID column, a store name column, an MCC code column, and an address column.

[0056] The Store ID column stores an ID to identify the merchant. The Store Name column stores the name of the merchant. The MCC Code column stores the merchant's MCC code. The Address column stores the merchant's address. If the merchant exists on the internet, such as on an e-commerce site, the address may be the website address.

[0057] Figure 5 shows an example of the information stored in the wallet master DB223 according to Embodiment 1. The wallet master DB223 stores setting information for family wallets corresponding to the purpose of use. The family wallet setting information includes usage restriction information that limits the scope of use of the electronic money in the family wallet. The usage restriction information corresponds to the purpose of use of the family wallet and includes at least one of the following: permitted or prohibited stores for payment, permitted or prohibited areas for payment, and the maximum payment amount. The wallet master DB223 stores a wallet type ID column, a wallet type column, a permitted MCC code column, a permitted area column, a maximum payment amount column, and a usable time period column.

[0058] The Wallet Type ID column stores an ID to identify the wallet type. The Wallet Type column stores the name of the wallet type. The wallet types are wife wallet, child wallet, or parent wallet. The Authorized MCC Code column stores the stores where payment is permitted for each wallet type, and in this embodiment, it stores the MCC codes for which payment is permitted. The MCC codes for which payment is permitted are set based on the usage purpose information provided in the family wallet. The Authorized Area column stores the city, town, or village where payment using the family wallet is permitted, or the store area determined based on the address of the user's family. The setting of the store area for which payment is permitted may also be done using location information services such as GPS or Wi-Fi. The Maximum Amount column stores the maximum amount of electronic money that can be used in a single payment. The Available Time Slot column stores the time during which payments can be made using the family wallet. The available time slot may be, for example, from 8:00 to 20:00. Note that the information stored in the Wallet Master DB223 is not limited to this, and information on unauthorized stores and unauthorized store areas where payment is not permitted may also be stored.

[0059] Figure 6 shows an example of the contents of the information stored in the transaction DB224 according to Embodiment 1. The transaction DB224 stores information related to transaction processing using electronic money from the main wallet and family wallets. The transaction DB224 includes columns for transaction ID, transaction type, transaction name, transaction date and time, transaction amount, transaction wallet, trading partner, and transaction result.

[0060] Transaction processing information includes transaction information relating to the transfer of salary electronic money from the main wallet to family wallets; information regarding the expenditure of electronic money based on a settlement process when a settlement process is performed using electronic money from the main wallet; information regarding the expenditure of electronic money based on a settlement process when a settlement process is performed using electronic money from family wallets; information regarding the transfer of electronic money based on a transfer process when electronic money from the main wallet is transferred to an external financial account; information regarding the transfer of electronic money based on a transfer process when electronic money from a family wallet is transferred to an external financial account; information regarding the transfer of electronic money based on a transfer process when electronic money is transferred from an external financial account to the main wallet; and information regarding the transfer of electronic money based on a transfer process when electronic money is transferred from an external financial account to family wallets.

[0061] The Transaction ID column is identification information that identifies the transaction executed by the wallet, and stores, for example, a serial number indicating the order of the transactions executed by the wallet. The Transaction Type column stores the type of transaction executed by the wallet. Transaction types include expenditure, income, or transfer. The Transaction Name column stores the name of the specific transaction corresponding to the Transaction Type column. The transaction name may be, for example, salary transfer or salary distribution. The Transaction Date and Time column stores the date and time of the transaction executed by the wallet. The Transaction Amount column stores the amount of the transaction executed by the wallet. The Transaction Wallet column stores the wallet ID used for the executed transaction. The Transaction Partner column stores information about the transaction partner executed by the wallet. For example, the transaction partner may be the store ID stored in the merchant DB222 or the wallet ID of the transfer destination. The Transaction Result column stores information about whether the transaction by the wallet was approved or rejected. If the transaction by the wallet was rejected, the reason for the rejection may be stored in the Transaction Result column. The reason for rejection may be, for example, "Outside the permitted area" if the settlement was outside the permitted area.

[0062] Figure 7 shows an example of the information stored in the wallet balance DB225 according to Embodiment 1. The wallet balance DB225 stores balance information for the primary wallet or family wallets. The balance information is stored in real time. The wallet balance DB includes a wallet ID column, a last transaction date and time column, and a balance column.

[0063] The Wallet ID column stores the wallet ID used for the transaction. The Last Transaction Date & Time column stores the date and time of the last transaction in the wallet corresponding to the Wallet ID column. The Balance column stores the balance of the wallet after the last transaction date and time.

[0064] Figure 8 is a flowchart showing the processing procedure of the management device 2 according to Embodiment 1. When salary electronic money is deposited into the main wallet, the management device 2 moves the electronic money from the main wallet to the family wallet based on the allocation information stored in the user DB 221. The processing in each of the following flowcharts is executed by the processing unit 21 according to the program P2 stored in the storage unit 22 of the management device 2.

[0065] The processing unit 21 of the management device 2 receives the primary user's payroll information from the corporate management device 1 (step S11). The payroll information includes, for example, employee ID, pay amount, and payroll payment date.

[0066] The processing unit 21 charges electronic money to the main wallet based on the received salary information of the main user (step S12). At this time, the processing unit 21 stores information about the electronic money charged to the main wallet in the transaction DB 224.

[0067] The processing unit 21 obtains the electronic money allocation information of the family wallet corresponding to the main wallet (step S13). In this embodiment, the processing unit 21 obtains the electronic money allocation information corresponding to the main user ID of the main wallet from the user DB 221.

[0068] The processing unit 21 distributes electronic money to the family wallet based on the acquired distribution information. In this embodiment, the processing unit 21 determines whether it is a day to distribute electronic money to the family wallet (step S14).

[0069] If it is a day to distribute electronic money to family wallets (step S14: YES), the processing unit 21 distributes the electronic money to family wallets (step S15). At this time, the processing unit 21 stores transaction information related to the transfer of salary electronic money from the main wallet to family wallets in the transaction DB 224. If it is not a day to distribute electronic money to family wallets (step S14: NO), the processing unit 21 executes the process in step S14 again.

[0070] The processing unit 21 can also transfer electronic money from the main wallet or family wallet to an external financial account. The processing unit 21 accepts whether to transfer electronic money from the user's wallet to an external financial account (step S16).

[0071] If the processing unit 21 receives a request to transfer electronic money to an external financial account (step S16: YES), it obtains the external financial account information (step S17). The processing unit 21 receives the transfer information for electronic money to an external financial account from, for example, the wallet app screen displayed on terminal 3. The transfer information includes the name of the bank branch to which the money is being sent, the bank account number, or the amount to be transferred. Note that some of the transfer information may be obtained from information stored in the user DB 221.

[0072] The processing unit 21 sends the electronic money based on the acquired external financial account information (step S18) and terminates the series of processes. At this time, the processing unit 21 stores the transaction information related to the transfer of the electronic money from the main wallet or family wallet that sent the money in the transaction DB 224. If the processing unit 21 does not accept the transfer of electronic money to the external financial account (step S16: NO), the processing unit 21 terminates the series of processes.

[0073] In the example shown in Figure 8, the process of transferring electronic money from a wallet to an external financial account was explained, but electronic money can also be deposited from an external financial account into the wallet. In this case, in step S17, the wallet app screen displayed on terminal 3 accepts information about the deposit of electronic money from the external financial account to the wallet. The deposit information includes the name of the sending bank branch, bank account number, or deposit amount.

[0074] Figure 9 is a flowchart showing the processing procedure of the management device 2 according to Embodiment 1. When the management device 2 receives a request from an external device to determine whether or not to process a settlement of a transaction using electronic money from the family wallet, it determines whether or not to process the settlement based on various databases. The processing in each of the following flowcharts is executed by the processing unit 21 according to the program P2 stored in the storage unit 22 of the management device 2.

[0075] The processing unit 21 of the management device 2 receives a request from the store management device 4 to determine whether or not to process the payment (step S21). In this embodiment, the store management device 4 transmits the information obtained from the user's terminal 3 on which the wallet app is installed, along with the request to determine whether or not to process the payment, to the processing unit 21. The processing unit 21 receives the information transmitted by the store management device 4 via the communication unit 23. The information transmitted from the store management device 4 includes the store ID, MCC code, payment amount, transaction date and time, or wallet ID, etc.

[0076] The processing unit 21 obtains information from various databases based on the information received from the store management device 4 (step S22). The processing unit 21 obtains information corresponding to the obtained wallet ID from, for example, the user database 221, the wallet master database 223, and the wallet balance database 225. The information corresponding to the wallet ID is, for example, the wallet user's address, balance, or usage restriction information. The processing unit 21 obtains information corresponding to the obtained store ID from the merchant database 222. The information corresponding to the store ID is, for example, the merchant's MCC code or address.

[0077] The processing unit 21 determines whether to allow payment using the wallet based on the information received from the store management device 4 and the information obtained from various databases (step S23). The processing unit 21 then executes a payment approval / rejection process based on the usage restriction information stored in the wallet master DB 223.

[0078] The processing unit 21 determines whether the acquired store ID is an authorized store ID for payment using the acquired wallet ID. For example, the processing unit 21 performs a payment authorization determination process based on the authorized MCC code of the acquired wallet ID and the MCC code of the acquired store ID.

[0079] Next, the processing unit 21 determines whether the acquired store ID is within the store area where payment for the acquired wallet ID is permitted. For example, the processing unit 21 performs a payment approval / rejection process based on the information regarding the permitted area of ​​the acquired wallet ID and the address corresponding to the acquired store ID.

[0080] Next, the processing unit 21 determines whether the acquired payment amount is an amount that can be paid with the acquired wallet ID. For example, the processing unit 21 determines whether the acquired payment amount is within the upper limit of the family wallet. Furthermore, the processing unit 21 determines whether the acquired payment amount is less than or equal to the balance of the acquired wallet ID. In the case of the main wallet, the payment approval process may consist only of determining whether the acquired payment amount is less than or equal to the balance of the acquired wallet ID.

[0081] If the processing unit 21 determines that payment via the wallet is permitted (step S23: YES), it transmits information indicating permission for payment to the store management device 4 (step S24).

[0082] The processing unit 21 stores the settlement transaction information in the storage unit 22 (step S25) and terminates the series of processes. The processing unit 21 stores the settlement transaction information in the transaction DB 224 and wallet balance DB 225 corresponding to the wallet ID used for settlement.

[0083] If the processing unit 21 determines that payment via wallet is not possible (step S23: NO), it transmits information indicating the payment is not possible to the store management device 4 (step S26). The processing unit 21 stores the payment transaction information in the storage unit 22 (step S27). The processing unit 21 stores the payment transaction information in the transaction DB 224 corresponding to the wallet ID used for payment. At this time, the processing unit 21 stores information indicating the transaction is not possible in the transaction DB 224.

[0084] The processing unit 21 sends information relating to the details of the transaction that was denied payment to the terminal 3 of the primary wallet user, who is a family member of the family wallet (step S28), and terminates the series of processes. The processing unit 21 sends information relating to the details of the transaction that was denied payment to, for example, the screen of the primary user's wallet app. The information indicating denial may also be sent to the primary user's email address.

[0085] Information indicating a transaction is denied may include information identifying the denied wallet, information about the denied store, the date and time of the transaction, and the reason for the denial. The reason for the denial of the payment may be generated based on usage restriction information, for example, "payment made outside the permitted area."

[0086] The payroll management system of this embodiment may also include a payment network. In this case, in step S22, the processing unit 21 receives a payment processing determination request from the store management device 4 via the payment network. The information received from the store management device 4 at this time may include, for example, the MCC code of the store where the store management device 4 is installed, the payment amount, or the wallet ID.

[0087] Furthermore, the payroll management system of this embodiment may include a mall-type e-commerce (EC) site that sets up virtual stores online and provides goods or services. The mall-type EC site is implemented, for example, in a wallet app. Users can purchase goods or services on the EC site of the wallet app using electronic money. In this case, in step S21, the processing unit 21 receives a payment processing determination request from the virtual store on the EC site.

[0088] In addition to usage restriction information, the family wallet of this embodiment may also have preferred payment information set. The preferred payment information may include a predetermined upper limit, area, or MCC code. When purchasing goods or services at a store with an MCC code set in the preferred payment information, the payment determination process based on the preferred payment information is executed with priority over the usage restriction information. For example, when the processing unit 21 receives a payment determination request from the store management device 4, it determines whether the MCC code included in the payment determination request corresponds to a predetermined MCC code. If the information included in the received payment determination request corresponds to a predetermined MCC code, the processing unit 21 executes the payment determination process based on the preferred payment information.

[0089] In this embodiment, there is no age limit for creating a child wallet. Therefore, even minors who cannot obtain a credit card can use the electronic payment system using the family wallet.

[0090] According to this embodiment, the management device 2 manages a main wallet into which salary-related electronic money is deposited and a family wallet used by the family of the user of the main wallet, and comprises a database that stores allocation information for distributing the salary-related electronic money deposited into the main wallet to the family wallet, and a processing unit 21 that processes transactions using the electronic money of the main wallet and the family wallet, wherein when salary-related electronic money is deposited into the main wallet, the processing unit 21 moves the electronic money from the main wallet to the family wallet based on the allocation information stored in the database, stores transaction information related to the movement of salary-related electronic money from the main wallet to the family wallet in the database, and when a transaction is performed using the electronic money of the main wallet and the family wallet, the management device 2 can be provided that performs the process of storing transaction information related to the movement of electronic money based on the transaction in the database.

[0091] According to this embodiment, when electronic money for salary is deposited into the main wallet, the processing unit 21 moves the electronic money from the main wallet to the family wallet based on the allocation information stored in the database, stores transaction information related to the transfer of electronic money for salary from the main wallet to the family wallet in the database, when a settlement process is performed using the electronic money in the main wallet, stores transaction information related to the expenditure of electronic money based on the settlement process in the database, when a settlement process is performed using the electronic money in the family wallet, stores transaction information related to the expenditure of electronic money based on the settlement process in the database, and the external electronic money of the main wallet A management device 2 can be provided that performs the following processes: when a transfer is made to a financial account, it stores transaction information related to the movement of electronic money based on the transfer in a database; when a transfer is made from a family wallet's electronic money to an external financial account, it stores transaction information related to the movement of electronic money based on the transfer in a database; when an electronic money transfer is made from an external financial account to a main wallet, it stores transaction information related to the movement of electronic money based on the transfer in a database; and when an electronic money transfer is made from an external financial account to a family wallet, it stores transaction information related to the movement of electronic money based on the transfer in a database.

[0092] The database stores usage restriction information associated with each family wallet, limiting the scope of use of the electronic money in that family wallet. When the processing unit 21 receives a request from an external device to determine whether or not to process a transaction using the electronic money in the family wallet, it determines whether or not to process the payment based on the usage restriction information associated with the family wallet stored in the database, sends information indicating whether or not the payment is possible to the external device, and if it determines that the payment is not possible, it provides a management device 2 that sends information relating to the details of the transaction that was deemed ineligible to the terminal 3 of the main wallet user, who is a family member of the family wallet.

[0093] A computer program can be provided that causes a computer to perform processes to manage a main wallet into which salary-related electronic money is deposited, and a family wallet used by the family of the user of the main wallet. The program stores allocation information for distributing the salary-related electronic money deposited into the main wallet to the family wallet, processes transactions using the electronic money in the main wallet and the family wallet, moves the electronic money from the main wallet to the family wallet based on the allocation information when salary-related electronic money is deposited into the main wallet, stores transaction information related to the transfer of salary-related electronic money from the main wallet to the family wallet, and stores transaction information related to the transfer of electronic money based on transaction processing using the electronic money in the main wallet and the family wallet.

[0094] According to this embodiment, an information processing method is provided for managing a main wallet into which salary-related electronic money is deposited and a family wallet used by the family of the user of the main wallet, which stores allocation information for distributing the salary-related electronic money deposited into the main wallet to the family wallet, processes transactions using the electronic money in the main wallet and the family wallet, moves the electronic money from the main wallet to the family wallet based on the allocation information when salary-related electronic money is deposited into the main wallet, stores transaction information related to the transfer of salary-related electronic money from the main wallet to the family wallet, and when a transaction using the electronic money in the main wallet and the family wallet is performed, stores transaction information related to the transfer of electronic money based on said transaction.

[0095] (Embodiment 2) This embodiment describes a wallet application installed on the user's terminal 3. The wallet application is an application program P3 that supports the user's electronic money payments, and the user can use the wallet application from terminal 3. Information acquired by the wallet application is transmitted to the management device 2 via the terminal communication unit 33. Information contained in the management device 2 is displayed on the wallet application screen on terminal 3 via the communication unit 23. Note that parts that overlap with Embodiment 1 are denoted by the same reference numerals and their explanation is omitted.

[0096] Wallet apps include a primary wallet app that corresponds to the primary wallet, and a family wallet app that corresponds to family wallets. Furthermore, family wallet apps include a wife wallet app that corresponds to the wife's wallet, a child wallet app that corresponds to the child's wallet, and a parent wallet app that corresponds to the parents' wallet.

[0097] Figure 10 shows an example of the information stored in the wallet application DB226 according to Embodiment 2. Information regarding the application program P3 corresponding to the main wallet application and family wallet applications is stored in the wallet application DB226. Each wallet application has electronic money payment functions as well as functions corresponding to the type of wallet.

[0098] The storage unit 22 of this embodiment includes a wallet application DB 226 that stores information about the application program P3 for each wallet application. The wallet application DB 226 includes a wallet type ID column, a wallet application name column, and an application ID column.

[0099] The Wallet Type ID column stores an ID to identify the type of wallet. The Wallet App Name column stores the name of the application program corresponding to the wallet. In this embodiment, the application program corresponding to the wallet is different for each wallet app: the main wallet app, the wife wallet app, the child wallet app, or the parent wallet app. The App Function column stores an overview of the functions of each wallet app.

[0100] The main wallet app includes features such as registering family wallets, setting information on how to allocate salary e-money to family wallets, and centrally managing the transaction history of e-money for each wallet.

[0101] The Wife Wallet app includes features such as a household budget app that allows users to manage income and expenses within their wallet. Specifically, the household budget app's features allow users to manage their living expenses based on their wallet usage history.

[0102] The children's wallet app includes features that allow for financial education for the primary user's child. Specifically, the financial education feature allows for stock investment simulations. For example, the children's wallet app can use the child's wallet usage history to simulate the actual stock price trends of companies purchased or conduct stock investment simulations.

[0103] The terminal processing unit 31 of terminal 3 executes processing related to the user's wallet according to the installed application program P3. When the terminal processing unit 31 receives login information from the wallet application, it sends the received login information to the management device 2. The management device 2 retrieves user information corresponding to the login information received from terminal 3 from various databases and sends it to terminal 3. The login information is authentication information such as the primary user ID, family user ID, and password.

[0104] Figure 11 is a schematic diagram showing an example of an application screen according to Embodiment 2. When the management device 2 receives a request to use the wallet app from the terminal 3, it outputs information linked to the user's wallet ID to the terminal 3. Based on the information received from the management device 2, the terminal 3 displays the wallet app screen shown in Figure 11 on the terminal display unit 34. The wallet app screen displays balance information 3a, deposit / withdrawal buttons 3b, app function icons 3c, family wallet icons 3d, transaction details button 3e, notification button 3f, and settings button 3g.

[0105] Balance information 3a is displayed, for example, at the top of the wallet app screen. Balance information 3a displays the user's latest wallet balance. Terminal 3 displays balance information 3a on the terminal display unit 34 based on the information stored in the user's wallet balance DB 225 obtained from the management device 2.

[0106] The deposit / withdrawal button 3b is displayed, for example, at the top center of the wallet app screen. The deposit / withdrawal button 3b is selected when a user deposits or withdraws electronic money to or from another wallet or external financial account. The deposit / withdrawal button 3b includes a deposit button, a withdrawal button, and a send / transfer button. The deposit button or withdrawal button is used to deposit or withdraw electronic money between an external financial account and the wallet. The send / transfer button is used to deposit or withdraw electronic money between wallets. When terminal 3 accepts the selection of the deposit / withdrawal button 3b, it displays an input screen for depositing or withdrawing electronic money. The input screen displays input fields for the name of the bank branch to send the money to, the bank account number, the wallet ID, or the amount to send.

[0107] The app function icon 3c is displayed, for example, at the top center of the wallet app screen. The app function icon 3c is the icon selected when the user wants to perform an app function available in their wallet app. When terminal 3 receives a selection of the app function icon 3c, it outputs the screen for the app function corresponding to the selected family wallet type. For example, in the case of a child's wallet, terminal 3 displays a stock price simulation screen, etc. Different buttons may be used for the wife's wallet app, child's wallet app, or parents' wallet app for each. In addition to the app functions corresponding to each wallet type, the app function icon 3c may also include a button that connects to a mall-type e-commerce site.

[0108] The Family Wallet icon 3d is displayed, for example, at the bottom center of the wallet app screen. The Family Wallet icon 3d is a button selected when checking the transaction information of electronic money in a family wallet linked to the main wallet. In the case of the main user's wallet app, terminal 3 displays multiple icons corresponding to each of the multiple family wallets used by the main wallet user's family members. When the Family Wallet icon 3d is selected, terminal 3 requests transaction information related to the selected family wallet from the processing unit 21. In response to the request, terminal 3 receives the transaction information sent from the management device 2 and displays the received transaction information on the terminal display unit 34.

[0109] The transaction details button 3e is displayed, for example, on the lower left side of the wallet app screen. The transaction details button 3e is selected when the user wants to check electronic money transaction information. When the transaction details button 3e is selected, terminal 3 displays a transaction details screen containing the user's electronic money transaction information. Terminal 3 generates the transaction details screen based on the transaction DB224 corresponding to the user's wallet ID.

[0110] The notification button 3f is displayed, for example, on the lower right side of the wallet app screen. The notification button 3f is selected when checking notification information related to electronic money. The notification information includes electronic money transaction information or invalid information. When the notification button 3f is selected, terminal 3 displays a notification screen containing the notification information. In the case of a primary wallet user, notification information from linked family wallets may also be displayed on the notification screen.

[0111] The Settings button 3g is displayed, for example, in the upper right corner of the wallet app screen. The Settings button 3g is selected when a user wants to check or change their wallet settings. These settings include the wallet app login password, identity verification information, or address. For primary wallet users, the settings may also include information on the allocation of electronic money from their salary or settings for family wallets.

[0112] Figure 12 is a schematic diagram showing an example of an application screen according to Embodiment 2. When the transaction details button 3e is selected in Figure 11, terminal 3 displays the transaction details list screen shown in Figure 12A. The transaction details list screen displays the transaction period 3h and the transaction details list 3i. The transaction period 3h is displayed at the top of the transaction details list screen and shows the period during which electronic money transactions were made. In the example in Figure 12, the period is displayed on a monthly basis. The transaction details list 3i is displayed in the center of the transaction details list screen and displays a list of electronic money transaction information within the period. The transaction details list 3i is configured so that a lot of transaction information can be easily viewed by scrolling the transaction details list screen.

[0113] When a transaction is selected from the transaction details list 3i in Figure 12A, terminal 3 displays the details screen for that transaction as shown in Figure 12B. The details screen displays the transaction amount 3j and the transaction details 3k. The transaction amount 3j is displayed at the top of the details screen and shows the transaction amount for electronic money. The transaction details 3k is displayed in the center of the details screen and shows information about the trading partner, transaction ID, transaction type, or transaction name.

[0114] Figure 13 is a schematic diagram showing an example of an application screen according to Embodiment 2. When the settings button 3g is selected in Figure 11, terminal 3 displays the wallet settings screen. In the case of the main wallet application, the wallet settings screen includes a button to apply for a family wallet. When the button to apply for a family wallet is selected on the wallet settings screen, terminal 3 displays the new family wallet application screen shown in Figure 13.

[0115] The new family wallet application screen displays a new account input field 3l, a wallet type selection field 3m, an allocation information input field 3n, and an app function settings field 3o.

[0116] The new account input field 3l is for setting the family user ID for the new family wallet application. The family user ID may be a number or a string. In this embodiment, the email address of the user who will become a family user is entered in the new account input field 3l.

[0117] Wallet type selection field 3m is for selecting the wallet type of a new family wallet you are applying for. The wallet types you can select from Wallet type selection field 3m are wife wallet, child wallet, or parents wallet.

[0118] The allocation information input field 3n is for setting the allocation information of electronic money from the main wallet to a newly applied-for family wallet. The allocation information input field 3n includes an allocation amount input field and an allocation date selection field. The allocation amount input field is where you can arbitrarily set the amount of electronic money to be allocated from the main wallet. The allocation date selection field is where you can arbitrarily set the day on which the electronic money will be allocated. Alternatively, an allocation cycle may be set instead of an allocation date.

[0119] The app function settings section 3o is where you select the app functions to be included in the new family wallet you are applying for. App functions that can be selected from the app function settings section 3o include, for example, a household budgeting function or a financial education function.

[0120] Figure 14 is a flowchart showing the processing procedure of the management device 2 according to Embodiment 2. The management device 2 receives information on a new family wallet application from the main wallet application and issues the family wallet. The processing in each of the following flowcharts is executed by the processing unit 21 according to the program P2 stored in the storage unit 22 of the management device 2.

[0121] The processing unit 21 of the management device 2 obtains login information for the main wallet application from the terminal 3 (step S41). In this embodiment, the main user's terminal 3 has the wallet application installed. The wallet application is equipped with a login screen for logging into the wallet, and terminal 3 receives the main user's login information from the terminal operation unit 35. Terminal 3 transmits the received login information to the management device 2. The login information is, for example, authentication information such as the main user ID and password.

[0122] The processing unit 21 obtains application information for a new family wallet from the terminal 3 (step S42). In this embodiment, the main wallet application is equipped with a new family wallet application screen. The terminal 3 receives application information for a new family wallet from the terminal operation unit 35 and transmits the received login information to the management device 2. The application information includes family user ID, authentication information, wallet type, and electronic money allocation information or application functions for the family wallet.

[0123] The processing unit 21 generates a wallet ID based on the application information obtained from terminal 3 (step S43). The generated wallet ID is linked to the primary user's wallet ID.

[0124] The processing unit 21 of the management device 2 stores the acquired application information and the generated wallet ID (step S44), and terminates the series of processes. In this embodiment, the processing unit 21 stores the family wallet application information and wallet ID in various databases of the storage unit 22.

[0125] In this embodiment, a newly issued family wallet can be used from the family user's terminal 3. The family user's terminal 3 receives the family user's login information from the login screen of the installed wallet app and transmits the login information to the management device 2. The processing unit 21 of the management device 2 retrieves information about the family wallet associated with the acquired login information from the storage unit 22 and outputs it to the family user's terminal 3.

[0126] Information acquired by the family wallet app is transmitted to the management device 2 via the terminal communication unit 33. The management device 2 stores the acquired information in various databases in the storage unit 22. This allows the management device 2 to centrally manage information related to the main wallet and family wallets. The information related to the main wallet and family wallets includes the main user's salary information, user attribute information, family wallet usage purpose information, and transaction information for the main wallet and family wallets.

[0127] Figure 15 is a flowchart showing the processing procedure of the management device 2 according to Embodiment 2. In this embodiment, the management device 2 can perform predetermined processing based on information stored in various databases.

[0128] Specifically, the management device 2 generates user consumption behavior data based on "transaction information related to the transfer of salary electronic money from the main wallet to family wallets," "transaction information related to electronic money in the main wallet," "transaction information related to electronic money in family wallets," "purpose of use information associated with family wallets," or "attribute information of users of the main wallet and family wallets," which are stored in various databases, and uses this data for the user's predetermined processing.

[0129] User consumption behavior data refers to data related to the overall flow of funds starting from salary (for example, including salary payment, living expenses, education expenses, remittances, or family consumption behavior). The generated consumption behavior data will be used for prescribed processing related to the user's life support or activity support.

[0130] The processes in each of the following flowcharts are executed by the processing unit 21 according to the program P2 stored in the storage unit 22 of the management device 2. As an example, we will describe an example in which consumer behavior data is generated based on "transaction information related to the transfer of electronic money of salary from the main wallet to family wallets" and "transaction information related to electronic money in family wallets," and area advertisements corresponding to the living area of ​​family users are provided through predetermined processing.

[0131] The processing unit 21 of the management device 2 acquires information from various databases in the storage unit 22 (step S31). In this example, the processing unit 21 acquires "transaction information related to electronic money of the family wallet" from the transaction database 224.

[0132] The processing unit 21 edits the information from various databases that it has acquired and generates consumer behavior data (step S32). In this example, the processing unit 21 edits the acquired "transaction information related to electronic money in the family wallet" and generates data on the purchasing trends of family users as consumer behavior data. The data on the purchasing trends of family users is generated based, for example, on the name of the store where the payment was made, the address of the store where the payment was made, and the date and time of the payment in the purchases made by family users.

[0133] The processing unit 21 executes predetermined processing based on the generated consumer behavior data (step S33) and terminates the series of processes. For example, as predetermined processing, the processing unit 21 generates an advertisement based on the consumer behavior data and provides it to family users. For example, if the consumer behavior data reveals purchasing trends such as "I buy breakfast at the convenience store in front of the station on weekdays," the processing unit 21 generates an area advertisement regarding morning convenience store sales information and outputs the generated area advertisement to the family user's terminal 3 on weekday mornings.

[0134] The generation of consumer behavior data and some of the predetermined processing may be performed by accessing a server separate from the management device 2. The external server may be, for example, a generative AI. The generative AI is composed of one or more large language models (LLMs) or diffusion models. The large language models utilize learning models such as GIT (Generative Image-to-Text), Transformer, or GPT (Generative Pre-trained Transformer: registered trademark).

[0135] The generation of consumer behavior data may also use data acquired from a server separate from the management device 2. For example, the management device 2 may use vital data acquired from a wearable device capable of measuring vital signs. Vital data may include blood pressure, heart rate, steps taken, or sleep duration, and the management device 2 analyzes the user's health status from the acquired vital data. Based on the analyzed health status of the user and the user's transaction information, the management device 2 generates consumer behavior data. As an example, the management device 2 may analyze the stress level from the user's vital data and generate consumer behavior data based on the stress level.

[0136] Consumer behavior data may be output in various formats, such as Word, PowerPoint, Markdown, JSON, HTML, PDF, SQL, CSV, XML, binary, PNG, or SVG. Furthermore, the outputted user consumer behavior data may be stored on external storage media or in the cloud, or presented on paper.

[0137] In this embodiment, as an example, a predetermined process was described in which consumer behavior data is generated based on "transaction information related to the transfer of salary electronic money from the main wallet to family wallets" and "transaction information related to electronic money in family wallets," and area advertisements corresponding to the living areas of family users are provided. However, the predetermined process is not limited to this. The predetermined process includes processes related to asset management or advertising. The advertisements include advertisements for goods or services purchased with the electronic money in the wallet.

[0138] The management device 2 may perform predetermined processing related to advertisements based on "purpose of use information associated with the family wallet" and "transaction information related to electronic money in the family wallet." In this case, the processing unit 21 obtains "purpose of use information associated with the family wallet" from the wallet master DB 223 and determines the category of advertisement to be generated according to the obtained purpose of use information. In the case of purpose of use information associated with the parent wallet, the advertisement category may be a category related to pharmaceuticals. Next, the processing unit 21 obtains "transaction information related to electronic money in the family wallet" from the transaction DB 224. Based on the information regarding the settlement date and time of the electronic money included in the obtained transaction information, the processing unit 21 determines the timing of advertisement output and outputs the advertisement to terminal 3. For example, if settlement processing was performed around 5pm every day, the processing unit 21 outputs an advertisement related to pharmaceuticals to the family user's terminal 3 at 5pm every day.

[0139] The management device 2 may perform predetermined asset management processing based on "attribute information of the main wallet and family wallets," "transaction information related to electronic money in the main wallet," and "transaction information related to electronic money in the family wallets." In this case, the processing unit 21 obtains "attribute information of the main wallet and family wallets" from the user DB 221 and obtains "transaction information related to electronic money in the main wallet" and "transaction information related to electronic money in the family wallets" from the transaction DB 224. Based on the obtained attribute information and transaction information, the processing unit 21 generates a virtual model for each user and generates asset management information that corresponds to the user's lifestyle, hobbies, or values ​​predicted by the generated virtual model. The processing unit 21 outputs the generated information to the user's terminal 3. The processing unit 21 may also output the generated information to an external device other than terminal 3.

[0140] In this embodiment, a user may possess two wallet IDs. For example, the primary user's wife, a family member, may create a primary wallet in addition to her own wallet to receive her salary in electronic money. In this example, the primary user's primary wallet is designated as the first primary wallet, and the primary wallet created by the primary user's wife is designated as the second primary wallet. In this case, the management device 2 performs processing based on the usage restriction information associated with the wife's wallet for the salary electronic money distributed from the first primary wallet to the wife's wallet. On the other hand, no usage restriction information is set for the electronic money in the second primary wallet to which the wife's salary electronic money is deposited.

[0141] In this embodiment, the wallet IDs of the two primary wallets may be linked. That is, in the case of a household where both users receive their salaries via electronic money, they may share some or all of the electronic money deposited into the two primary wallets. If some of the electronic money is shared, the management device 2 creates a family wallet linked to the two primary wallets and distributes the electronic money from the two primary wallets to the created family wallet.

[0142] According to this embodiment, the processing unit 21 can provide a management device 2 that performs predetermined processing based on transaction information related to the transfer of electronic money of salaries from the main wallet to family wallets stored in the database, transaction information related to the electronic money in the main wallet, and transaction information related to the electronic money in the family wallets.

[0143] According to this embodiment, there are multiple types of family wallets corresponding to the purpose of use of electronic money, and the database stores usage purpose information indicating the type of electronic money in the family wallet in association with the family wallet, and the processing unit 21 can provide a management device 2 that performs predetermined processing based on transaction information related to the transfer of salary electronic money from the main wallet to the family wallets stored in the database, transaction information related to the electronic money in the main wallet, transaction information related to the electronic money in the family wallets, and usage purpose information associated with the family wallets.

[0144] According to this embodiment, the database stores attribute information of users of the main wallet and family wallets, and the processing unit 21 can provide a management device 2 that performs predetermined processing based on transaction information related to the transfer of electronic money of salaries from the main wallet to the family wallets stored in the database, transaction information related to electronic money in the main wallet, transaction information related to electronic money in the family wallets, usage purpose information associated with the family wallets, and attribute information of users of the main wallet and family wallets.

[0145] The following additional information is disclosed regarding the embodiments described above. (Note 1) A management device that manages a first main wallet into which electronic money related to salary is deposited, a family wallet used by the family of the user of the first main wallet, and a second main wallet into which electronic money related to the salary of the user of the family wallet is deposited, A database that stores allocation information for distributing the electronic money of salary deposited into the first main wallet to the family wallets, A processing unit that processes transactions using electronic money from the first main wallet, the family wallet, and the second main wallet. Equipped with, The aforementioned processing unit, When salary electronic money is deposited into the first main wallet, the electronic money is moved from the first main wallet to the family wallet based on the allocation information stored in the database. Transaction information relating to the transfer of salary electronic money from the first main wallet to the family wallet is stored in the database. When a transaction is processed using electronic money from the first primary wallet, the family wallet, and the second primary wallet, the transaction information relating to the transfer of electronic money based on the transaction is stored in the database. A control device that executes processing. (Note 2) A management device that manages a first primary wallet into which electronic money related to salaries is deposited, a second primary wallet into which electronic money related to the salaries of the family members of the user of the first primary wallet is deposited, and family wallets linked to the first primary wallet and the second primary wallet, A database that stores allocation information for distributing the electronic money of salaries deposited into the first main wallet and the second main wallet to the family wallets, A processing unit that processes transactions using electronic money from the first main wallet, the family wallet, and the second main wallet. Equipped with, The aforementioned processing unit, When salary electronic money is deposited into the first or second primary wallet, the electronic money is moved from the first or second primary wallet to the family wallet based on the allocation information stored in the database. Transaction information relating to the transfer of electronic money of salary from the first or second primary wallet to the family wallet is stored in the database. When a transaction is processed using electronic money from the first or second primary wallet, the transaction information relating to the transfer of electronic money based on the transaction is stored in the database. A control device that executes processing.

[0146] According to this embodiment, a terminal program is provided that enables a terminal 3, which communicates with a management device 2 that manages a main wallet into which salaries are deposited as electronic money and family wallets used by the family members of the main wallet user, to display multiple icons corresponding to each of the multiple family wallets used by the family members of the main wallet user, to accept the selection of a family wallet corresponding to one of the displayed icons, to request transaction information related to the selected family wallet from the management device 2, to receive the transaction information transmitted from the management device 2 in response to the request, and to execute a process to display the received transaction information.

[0147] The embodiments disclosed herein should be considered in all respects to be illustrative and not restrictive. The technical features described in each embodiment can be combined with each other, and the scope of the present invention is intended to include all modifications within the claims and equivalents thereof. The sequences shown in each embodiment are not limiting, and within the bounds of consistency, the order of each processing step may be changed, and multiple processes may be executed in parallel. The processing entity for each process is not limiting, and within the bounds of consistency, the processing of each device may be executed by other devices.

[0148] The matters described in each embodiment can be combined with each other. Furthermore, the independent and dependent claims described in the claims can be combined with each other in any combination, regardless of the form of reference. In addition, the claims use a form in which claims referencing two or more other claims (multi-claim form), but are not limited to this. A form in which multi-claims referencing at least one multi-claim (multi-multi-claim) may also be used. [Explanation of Symbols]

[0149] 1: Enterprise management device 2: Management device 3: Terminal 4: Store management device 11: Corporate Processing Department 12:Corporate Memory Department 13: Corporate Communications Department 21: Processing Unit 22: Storage section 23: Communications Department 31: Terminal Processing Unit 32: Terminal storage unit 33: Terminal Communications Unit 34: Terminal display unit 35: Terminal operation unit 121: Employee Database 221: User DB 222: Member store DB 223: Wallet Master DB 224: Transaction DB 225: Wallet balance DB 226: Wallet App Database

Claims

1. A management device that manages a primary wallet into which electronic money related to salary is deposited, and a family wallet used by the family of the user of the primary wallet, A database that stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallets, A processing unit that processes transactions using electronic money from the primary wallet and the family wallet. Equipped with, The aforementioned processing unit, When salary electronic money is deposited into the primary wallet, the database moves the electronic money from the primary wallet to the family wallet based on the allocation information it stores. Transaction information relating to the transfer of salary electronic money from the primary wallet to the family wallet is stored in the database. When a payment is processed using the electronic money of the primary wallet, the transaction information relating to the expenditure of electronic money based on the payment is stored in the database. When a payment is processed using the electronic money of the family wallet, the transaction information relating to the expenditure of electronic money based on the payment is stored in the database. When a transfer of electronic money from the primary wallet to an external financial account is processed, the transaction information related to the movement of electronic money based on the transfer process is stored in the database. When a transfer of electronic money from the family wallet to an external financial account is processed, the transaction information related to the transfer of electronic money based on the transfer process is stored in the database. When an electronic money transfer is made from an external financial account to the primary wallet, the transaction information related to the movement of electronic money based on the transfer is stored in the database. When an electronic money transfer is made from an external financial account to the family wallet, the transaction information related to the movement of electronic money based on the transfer is stored in the database. Based on the transaction information related to the transfer of electronic money of salaries from the main wallet to the family wallets stored in the database, the transaction information related to the electronic money in the main wallet, and the transaction information related to the electronic money in the family wallets, predetermined processing is performed. The aforementioned predetermined process is, Based on the transaction information related to the transfer of salary electronic money from the main wallet to the family wallets stored in the database, the transaction information related to the electronic money in the main wallet, and the transaction information related to the electronic money in the family wallets, consumer behavior data is generated. Based on the generated consumer behavior data, advertisements are generated. The generated advertisement is output to a terminal used by a user of the primary wallet or the family wallet. A control device that includes processing.

2. A management device for managing a main wallet into which electronic money related to salary is deposited, and a family wallet used by the family of the user of the main wallet, A database that stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallets, A processing unit that processes transactions using electronic money from the primary wallet and the family wallet. Equipped with, The aforementioned processing unit, When salary electronic money is deposited into the primary wallet, the database moves the electronic money from the primary wallet to the family wallet based on the allocation information it stores. Transaction information relating to the transfer of salary electronic money from the primary wallet to the family wallet is stored in the database. When a payment is processed using the electronic money of the primary wallet, the transaction information relating to the expenditure of electronic money based on the payment is stored in the database. When a payment is processed using the electronic money of the family wallet, the transaction information relating to the expenditure of electronic money based on the payment is stored in the database. When a transfer of electronic money from the primary wallet to an external financial account is processed, the transaction information related to the movement of electronic money based on the transfer process is stored in the database. When a transfer of electronic money from the family wallet to an external financial account is processed, the transaction information related to the transfer of electronic money based on the transfer process is stored in the database. When an electronic money transfer is made from an external financial account to the primary wallet, the transaction information related to the movement of electronic money based on the transfer is stored in the database. When an electronic money transfer is made from an external financial account to the family wallet, the transaction information related to the movement of electronic money based on the transfer is stored in the database. Based on the transaction information related to the transfer of electronic money of salaries from the main wallet to the family wallets stored in the database, the transaction information related to the electronic money in the main wallet, and the transaction information related to the electronic money in the family wallets, predetermined processing is performed. The aforementioned predetermined process is, Based on the transaction information related to the transfer of salary electronic money from the primary wallet to the family wallet stored in the database, the transaction information related to the electronic money in the primary wallet, and the transaction information related to the electronic money in the family wallet, a virtual model of the user of the primary wallet or the user of the family wallet is generated. The generated virtual model generates asset management information that is in line with the lifestyle, hobbies, or values ​​of the user of the primary wallet or the user of the family wallet, The generated asset management information is output to a terminal used by the user of the main wallet or the family wallet. A control device that includes processing.

3. There are several types of family wallets available, depending on the purpose of using electronic money. The aforementioned database is The aforementioned family wallet stores associated usage purpose information indicating the type of electronic money used according to the purpose of use of the family wallet. The aforementioned processing unit, Based on the transaction information related to the transfer of electronic money of salary from the main wallet to the family wallet stored in the database, the transaction information related to the electronic money in the main wallet, the transaction information related to the electronic money in the family wallet, and the usage purpose information associated with the family wallet, the predetermined process is executed. The control device according to claim 1 or claim 2.

4. The aforementioned database is The system stores attribute information of users of the primary wallet and the family wallet. The aforementioned processing unit, The predetermined process is executed based on the transaction information related to the transfer of salary electronic money from the main wallet to the family wallet stored in the database, the transaction information related to the electronic money in the main wallet, the transaction information related to the electronic money in the family wallet, the usage purpose information associated with the family wallet, and the attribute information of the users of the main wallet and the family wallet. The control device according to claim 1 or claim 2.

5. The aforementioned prescribed processing includes processing related to the user's asset management or processing related to advertising. The control device according to claim 2.

6. The aforementioned database is The aforementioned family wallet stores associated usage restriction information that limits the scope of use of the electronic money in the family wallet. The aforementioned processing unit, When the database receives a request from an external device to determine whether or not to process a settlement for a transaction using the electronic money of the family wallet, it determines whether or not to process the settlement based on the usage restriction information associated with the family wallet stored in the database. Information indicating whether payment is approved or not is transmitted to the external device. If payment is deemed impossible, information relating to the failed transaction is sent to the terminal of the user of the primary wallet, who is a member of the family wallet. The control device according to claim 1 or claim 2.

7. The aforementioned usage restriction information is, This includes the maximum payment amount, the stores where payment is permitted or denied, and the store regions where payment is permitted or denied. The control device according to claim 6.

8. A computer program that causes a computer to perform a process to manage a primary wallet into which electronic money related to salary is deposited, and a family wallet used by the family of the user of the primary wallet, The system stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallets. The primary wallet and the family wallets process transactions using electronic money. When salary electronic money is deposited into the primary wallet, the electronic money is moved from the primary wallet to the family wallet based on the allocation information. The system stores transaction information related to the transfer of salary electronic money from the primary wallet to the family wallet. When a payment transaction is made using the electronic money of the main wallet, the transaction information relating to the expenditure of electronic money based on the payment transaction is stored. When a payment is made using the electronic money of the family wallet, the transaction information related to the expenditure of electronic money based on the payment is stored. When a transfer of electronic money from the aforementioned primary wallet to an external financial account is processed, the transaction information related to the movement of electronic money based on said transfer process is stored. When a transfer of electronic money from the family wallet to an external financial account is processed, the transaction information related to the transfer of electronic money based on said transfer is stored. When an electronic money transfer is made from an external financial account to the primary wallet, the transaction information related to the movement of electronic money based on the transfer is stored. When an electronic money transfer is made from an external financial account to the family wallet, the transaction information related to the electronic money transfer based on the transfer is stored. Based on transaction information relating to the transfer of electronic money of salary from the primary wallet to the family wallet, transaction information relating to electronic money in the primary wallet, and transaction information relating to electronic money in the family wallet, consumer behavior data is generated. Based on the generated consumer behavior data, advertisements are generated. The generated advertisement is output to a terminal used by a user of the primary wallet or the family wallet. A computer program that causes the aforementioned computer to perform a process.

9. A computer program that causes a computer to perform a process to manage a main wallet into which electronic money related to salary is deposited, and a family wallet used by a family member of the user of the main wallet, The system stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallets. The primary wallet and the family wallets process transactions using electronic money. When salary electronic money is deposited into the primary wallet, the electronic money is moved from the primary wallet to the family wallet based on the allocation information. The system stores transaction information related to the transfer of salary electronic money from the primary wallet to the family wallet. When a payment transaction is made using the electronic money of the main wallet, the transaction information relating to the expenditure of electronic money based on the payment transaction is stored. When a payment is made using the electronic money of the family wallet, the transaction information related to the expenditure of electronic money based on the payment is stored. When a transfer of electronic money from the aforementioned primary wallet to an external financial account is processed, the transaction information related to the movement of electronic money based on said transfer process is stored. When a transfer of electronic money from the family wallet to an external financial account is processed, the transaction information related to the transfer of electronic money based on said transfer is stored. When an electronic money transfer is made from an external financial account to the primary wallet, the transaction information related to the movement of electronic money based on the transfer is stored. When an electronic money transfer is made from an external financial account to the family wallet, the transaction information related to the electronic money transfer based on the transfer is stored. Based on the transaction information relating to the transfer of electronic money of salary from the primary wallet to the family wallet, the transaction information relating to the electronic money in the primary wallet, and the transaction information relating to the electronic money in the family wallet, a virtual model of the user of the primary wallet or the user of the family wallet is generated. The generated virtual model generates asset management information that is in line with the lifestyle, hobbies, or values ​​of the user of the primary wallet or the user of the family wallet, as predicted by the generated virtual model. The generated asset management information is output to a terminal used by the user of the main wallet or the family wallet. A computer program that causes the aforementioned computer to perform a process.

10. An information processing method comprising a management device for managing a main wallet into which electronic money related to salaries is deposited, and a family wallet used by the family of the user of the main wallet, The aforementioned control device is The system stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallets. The primary wallet and the family wallets process transactions using electronic money. When salary electronic money is deposited into the primary wallet, the electronic money is moved from the primary wallet to the family wallet based on the allocation information. The system stores transaction information related to the transfer of salary electronic money from the primary wallet to the family wallet. When a payment transaction is made using the electronic money of the main wallet, the transaction information relating to the expenditure of electronic money based on the payment transaction is stored. When a payment is made using the electronic money of the family wallet, the transaction information related to the expenditure of electronic money based on the payment is stored. When a transfer of electronic money from the aforementioned primary wallet to an external financial account is processed, the transaction information related to the movement of electronic money based on said transfer process is stored. When a transfer of electronic money from the family wallet to an external financial account is processed, the transaction information related to the transfer of electronic money based on said transfer is stored. When an electronic money transfer is made from an external financial account to the primary wallet, the transaction information related to the movement of electronic money based on the transfer is stored. When an electronic money transfer is made from an external financial account to the family wallet, the transaction information related to the electronic money transfer based on the transfer is stored. Based on the transaction information relating to the transfer of electronic money of salary from the main wallet to the family wallet, the transaction information relating to the electronic money in the main wallet, and the transaction information relating to the electronic money in the family wallet, a predetermined process is executed. The aforementioned predetermined process is, The management device generates consumer behavior data based on transaction information relating to the transfer of electronic money of salaries from the main wallet to the family wallets, transaction information relating to electronic money in the main wallet, and transaction information relating to electronic money in the family wallets. Based on the generated consumer behavior data, advertisements are generated. The generated advertisement is output to a terminal used by a user of the primary wallet or the family wallet. An information processing method that performs a process.

11. An information processing method comprising a management device for managing a main wallet into which electronic money related to salary is deposited, and a family wallet used by a family member of the user of the main wallet, The aforementioned control device is The system stores allocation information for distributing the electronic money of salary deposited into the main wallet to the family wallets. The primary wallet and the family wallets process transactions using electronic money. When salary electronic money is deposited into the primary wallet, the electronic money is moved from the primary wallet to the family wallet based on the allocation information. The system stores transaction information related to the transfer of salary electronic money from the primary wallet to the family wallet. When a payment transaction is made using the electronic money of the main wallet, the transaction information relating to the expenditure of electronic money based on the payment transaction is stored. When a payment is made using the electronic money of the family wallet, the transaction information related to the expenditure of electronic money based on the payment is stored. When a transfer of electronic money from the aforementioned primary wallet to an external financial account is processed, the transaction information related to the movement of electronic money based on said transfer process is stored. When a transfer of electronic money from the family wallet to an external financial account is processed, the transaction information related to the transfer of electronic money based on said transfer is stored. When an electronic money transfer is made from an external financial account to the primary wallet, the transaction information related to the movement of electronic money based on the transfer is stored. When an electronic money transfer is made from an external financial account to the family wallet, the transaction information related to the electronic money transfer based on the transfer is stored. Based on the transaction information relating to the transfer of electronic money of salary from the main wallet to the family wallet, the transaction information relating to the electronic money in the main wallet, and the transaction information relating to the electronic money in the family wallet, a predetermined process is executed. The aforementioned predetermined process is, The management device generates a virtual model of the user of the main wallet or the user of the family wallet based on transaction information relating to the transfer of electronic money of salary from the main wallet to the family wallet, transaction information relating to the electronic money in the main wallet, and transaction information relating to the electronic money in the family wallet. The generated virtual model generates asset management information that is in line with the lifestyle, hobbies, or values ​​of the user of the primary wallet or the user of the family wallet, as predicted by the generated virtual model. The generated asset management information is output to a terminal used by the user of the main wallet or the family wallet. An information processing method that performs a process.

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