Payroll-related advertising system

Abstract

We provide a payroll-related advertising system that displays ads in conjunction with payday, creating a beneficial situation for both the members of the organization receiving their salaries and the advertisers. [Solution] The salary payment-related advertising system 1 comprises a salary payment means 18 that pays a set amount as salary from a set payment account 20 to receiving accounts A1 and A2 set by members of the organization on a set payday; salary payment display means 41A and 41B that display a salary payment indication on terminals A and B of members of the organization that a salary payment has been made by the salary payment means 18; and advertising display means 42A and 42B that display advertisements related to salary on the same screen 40A and 40B as the salary payment display by the salary payment display means 41A and 41B.

Description

Technical Field

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[0001] The present invention relates to a salary payment-related advertising system that displays advertisements in relation to salary payment.

Background Art

[0002] Conventionally, systems of operators such as banks that pay the salary of each organization into the accounts of the members of the organization (for example, see Patent Document 1) grasped the salary payment date for each organization, but it was difficult for other companies and corporations to grasp the salary payment date of the organization.

[0003] Moreover, even if an operator such as a bank grasped the salary payment date, it was not considered to utilize that information.

Prior Art Documents

Patent Documents

[0004]

Patent Document 1

Summary of the Invention

Problems to be Solved by the Invention

[0005] On the other hand, from the perspective of the members of the organization, the salary payment date is a situation where a large amount of money is at hand, so it can be said that it is an optimal situation for buying something.

[0006] However, although it can be said that displaying appropriate advertisements to the members of the organization at the timing of the salary payment date is an excellent advertising method, conventionally, advertisements at such timing have not been made.

[0007] The present invention has been made in view of such problems, and an object of the present invention is to provide a salary payment-related advertising system that is beneficial to both the members of the organization to which the salary is paid and the advertisers by displaying advertisements in relation to the salary payment date. [Means for solving the problem]

[0008] To achieve this objective, the present invention provides a salary payment-related advertising system comprising: a salary payment means that pays a set amount as salary from a set payment account to a receiving account set by a member of the organization on a set payday; a salary payment display means that displays a salary payment indication on the terminal of a member of the organization that a salary payment has been made by the salary payment means; and an advertising display means that displays advertisements related to salary on the same screen as the salary payment display by the salary payment display means.

[0009] Furthermore, in addition to the configuration described above, the present invention is characterized in that a management device that manages data related to salary payments and executes salary payment procedures and the terminals of the members of the organization are connected via a network, the management device has a storage means that stores the payment accounts and salary payment dates for each of the multiple organizations, the amount of salary for each member of each of the multiple organizations, and information on the receiving account, and the management device has a salary payment means that, on the salary payment date for each of the multiple organizations, pays the amount of salary for each member of each of the multiple organizations stored in the storage means to the receiving account of each member of each of the multiple organizations, the multiple accounts, the receiving account of the multiple accounts, the receiving account of the multiple accounts, the receiving account, the receiving account, and the receiving account, the receiving account, the receiving account, the receiving account, the receiving account, the receiving

[0010] Furthermore, in addition to the configuration described above, the present invention is characterized in that the advertising display means is configured to select advertisements to display based on the member's electronic money payment data and vital data and / or mental data, taking into account the member's current financial status, health status and / or psychological status.

[0011] Furthermore, in addition to the configuration described above, the present invention is characterized in that the advertising display means is configured to display advertisements from a predetermined number of days before the payday until the payday and / or advertisements from the payday until after a predetermined period has elapsed.

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

[0013] Furthermore, in addition to the configuration described above, the present invention is a salary payment-related advertising system that has an electronic money account for holding the salary in electronic money, measures the time elapsed since the salary was paid to the electronic money account and determines whether a certain amount of time has elapsed since the salary was paid to the electronic money account, checks whether the balance of the electronic money account is greater than a predetermined amount when it is determined that a certain amount of time has elapsed since the salary was paid to the electronic money account and determines whether the balance of the electronic money account is greater than a predetermined amount, and when it is determined that the balance of the electronic money account is greater than a predetermined amount, automatically transfers the amount exceeding the predetermined amount to a pre-registered excess transfer account, which is one of a bank account, another electronic money account, another type of electronic money account, an electronic payment method account, a crypto asset account, a securities company account, or an FX account, and is configured such that the advertising display means displays additional advertisements on the same screen as the salary payment display between the time the salary is paid to the electronic money account and the transfer of the excess amount to the excess transfer account.

[0014] Furthermore, in addition to the configuration described above, the present invention is a salary payment-related advertising system that has an electronic money account for holding the salary in electronic money, means for determining whether a predetermined time has arrived after the payment of the salary to the electronic money account, means for checking whether the balance of the electronic money account is greater than a predetermined amount if it is determined that a predetermined time has arrived after the payment of the salary to the electronic money account, and means for determining whether the electronic money account has a balance greater than a predetermined amount, and means for automatically transferring the amount exceeding the predetermined amount to a pre-registered excess transfer account, which is one of a bank account, another electronic money account, another type of electronic money account, an electronic payment method account, a crypto asset account, a securities company account, or an FX account, if it is determined that the electronic money account has a balance greater than a predetermined amount, and the advertising display means is configured to display additional advertisements on the same screen as the salary payment display between the time the salary is paid to the electronic money account and the transfer of the excess amount to the excess transfer account. [Effects of the Invention]

[0015] According to the present invention, by displaying an advertisement related to salary on the same screen as the notification that salary payment has been made, a beneficial situation can be created for both the members of the organization that have received their salary and the advertiser.

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

[0017] Furthermore, according to the present invention, by selecting advertisements to display based on the members' electronic money payment data and vital data and / or mental data, taking into account the members' current financial status, health status and / or psychological status, effective advertisements can be displayed to each member.

[0018] Also, according to the present invention, by displaying an advertisement from a predetermined number of days before the salary payment date towards the salary payment date and / or an advertisement until after a predetermined period has elapsed from the salary payment date, it is possible to make the members more conscious of shopping on the salary payment date.

[0019] Also, according to the present invention, since the receiving account is composed of an electronic money account, it is possible to directly use the electronic money in the account for shopping and efficiently connect it to shopping based on the advertisement.

[0020] Also, according to the present invention, additional advertisements can be shown during the time of the automatic transfer of the excess amount measured from the salary payment, thereby further making the members conscious of the use of their electronic money and making it easier for the advertisement effect to occur.

[0021] Also, according to the present invention, additional advertisements can be shown until the time of the automatic transfer of the predetermined excess amount from the salary payment, thereby further making the members conscious of the use of their electronic money and making it easier for the advertisement effect to occur.

Brief Explanation of Drawings

[0022] [Figure 1] It is a system configuration diagram for explaining a salary payment-related advertisement system according to an embodiment of the present invention. [Figure 2] It is a screen diagram for explaining the display screen of the terminal of the salary payment-related advertisement system according to the same embodiment. [Figure 3] It is a flowchart for explaining the main flow of the salary payment-related advertisement system according to the same embodiment. [Figure 4] It is a flowchart for explaining the main flow of the salary payment system according to the same embodiment. [Figure 5] It is a flowchart for explaining the handling flow when the balance exceeds the limit in the salary payment system according to the same embodiment. [Figure 6]It is a system configuration diagram for explaining another example of the salary payment-related advertisement system according to the same embodiment.

Embodiments for Carrying out the Invention

[0023] Hereinafter, embodiments of the present invention will be described with reference to FIGS. 1 to 6.

[0024] The salary payment-related advertisement system 1 of the present embodiment exists within the same system as the salary payment system 1 and is closely related to the salary payment system 1. Therefore, hereinafter, both systems will be described in parallel.

[0025] As shown in FIG. 1, the salary payment system 1 of the present embodiment includes a management device 10 as a salary payment device, specific accounts 20, a system 30 of an enterprise (organization), terminals A and B as registration devices for employees (constituent members) of the enterprise (organization), bank accounts A3, A4, B3, B4 to which transfers are made in the allocation process, and over-time transfer accounts (designated alternative accounts) A5, B as described later. Hereinafter, each component will be described. In FIGS. 1 and 6, solid lines indicate the flow of money, and dotted lines indicate the flow of information.

[0026] The management device (salary payment device) 10 is composed of a computer such as a server, has a control means 11 for controlling the entire salary payment system 1, and further has settlement accounts (here, electronic money accounts) A1, A2, B1, B2 opened by each employee (each constituent member). Here, although described together with the computer, the management device 10 may be composed of a single computer, or may be composed of a plurality of computers cooperating as the management device 10.

[0027] Furthermore, in this embodiment, the management device 10 is equipped with exchange means 14 and 15 for processing the exchange of legal tender and electronic money. Here, the exchange means 14, which processes the exchange from legal tender to electronic money, and the exchange means 15, which processes the exchange from electronic money to legal tender, are described as separate configurations, but this is not the only configuration, and a single exchange means may be configured to process both the exchange from legal tender to electronic money and the exchange from electronic money to legal tender. Also, the exchange means may not be provided within the management device 10. When exchanging from legal tender to electronic money, and from electronic money to legal tender, the exchange may be performed via an external exchange means before being deposited into an electronic money account or an external bank account, etc.

[0028] As described above, the control means 11 is programmed to control the entire payroll system 1 and includes a payroll information storage means (storage means) 12 as a database that stores payroll information, including the pay amounts of each employee and the total pay amount, sent from the control means 31 of the company's system 30, and a payroll distribution information storage means 13 as a database that stores payroll distribution information (appropriate information including account information for distributing pay to other accounts, distribution amount, and distribution execution date) that each of the multiple employees has registered in advance using terminals (suitable terminals such as mobile phones, tablets, and PCs) A and B as registration devices. Terminals A and B may connect to the management device 10 via, for example, a dedicated application, or via a browser, or by any appropriate means.

[0029] Furthermore, the control means 11 includes a bulk fund transfer means 17, which is an execution means for transferring the total amount of salaries of multiple employees stored in the salary information storage means 12 from the corporate account 32 managed by the company to a specific account 20 managed by the management device 10 via the control means 31 of the company's system 30. In addition, it includes an individual fund transfer means 18, which is an execution means for transferring the salaries of multiple employees stored in the salary information storage means 12 from the specific account 20 to which the funds have been transferred by the bulk fund transfer means 17 to their respective electronic money accounts A1, B1 that they have opened in advance. Furthermore, it includes a distribution execution means 19, which is an execution means for automatically performing distribution processing from each employee's electronic money account A1, B1 to other accounts A2, A3, A4, B2, B3, B4 based on the distribution information stored in the salary distribution information storage means 13.

[0030] Furthermore, in this embodiment, when an employee opens an electronic money account to use the payroll system 1, the system is configured to automatically open electronic money payroll accounts A1 and B1 and general accounts A2 and B2, which are used for managing electronic money payments, etc., as the employee's electronic money accounts. Payroll accounts A1 and B1 are, as the name suggests, accounts into which salaries from the company are transferred, and the system is configured to perform transfer processing from these accounts to other accounts A3, A4, B3, and B4, including general accounts A2 and B2, using the distribution execution means 19. General accounts A2 and B2 are accounts from which amounts are deducted according to usage when making payments as electronic money. Note that employees may also manually transfer funds from payroll accounts A1 and B1 to general accounts A2 and B2. By having a balance in general accounts A2 and B2 in this way, the system is configured to make the employee's electronic money usable.

[0031] Furthermore, there may be cases where, when an employee opens an electronic money account as a payment account, a salary deposit account and a general account are not automatically opened. For example, when an employee opens an electronic money account, a general account may be opened first, and then the employee may manually open a salary deposit account. Conversely, when an electronic money account is opened, a salary deposit account may be opened, and then a general account may be opened manually.

[0032] Furthermore, in the case of electronic money accounts, such as salary deposit accounts A1 and B1, there are cases where it is not possible to deposit an amount exceeding a certain limit (due to laws, regulations, etc.). In this embodiment, the salary distribution information storage means 13 is configured to pre-set excess transfer accounts (also called designated alternative accounts) A5 and B5, which will be used to forcibly transfer funds if the balance of salary deposit accounts A1 and B1 exceeds a certain amount (for example, 100,000 yen, 800,000 yen, 1,000,000 yen, etc.). For example, on the day of salary deposit, the system checks whether the balance exceeds the certain limit after a certain amount of time has elapsed since the salary deposit (for example, 4 hours later, 12 hours later, 1 day later, etc.) or at a predetermined time (for example, 14:00, 15:30, etc.). If it does, the distribution execution means 19 is configured to forcibly transfer the excess amount to the excess transfer accounts A5 and B5.

[0033] Here, the individual fund transfer device 18 is programmed with allocation settings set by the employee, as well as allocation settings for excess amounts. After the employee's salary is deposited into salary deposit accounts A1 and B1, if the balance in those accounts exceeds a predetermined amount, and a certain amount of time has elapsed since the deposit or a predetermined time (regular time) has arrived, the excess amount relative to the predetermined amount is automatically transferred to the registered excess transfer accounts A5 and B5. In this example, the settings are stored in the salary allocation information storage device 13 and executed by the individual fund transfer device 18, but this is not the only way, and the settings may be programmed to be stored and executed by other means.

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

[0035] The management device 10 consists of a computer such as a server and has a control means 11 that controls the entire payroll-related advertising system 1. Furthermore, it has receiving accounts (in this case, electronic money accounts) A1 and B1 opened by each employee (each member). Although described here as a single computer, the management device 10 may consist of one computer, or it may consist of multiple computers working together to form the management device 10.

[0036] Furthermore, the management device 10 of this embodiment includes a salary information storage means 12 that stores information on payment accounts (in this case, specific accounts 20) and paydays for each of the multiple organizations, as well as the amount of salary for each member of each of the multiple organizations and the receiving accounts A1 and A2; and an individual fund transfer means 18 that, on the paydays for each of the multiple organizations, pays the amount of salary for each member of each organization stored in the salary information storage means 12 from the payment accounts 20 for each of the multiple organizations stored in the salary information storage means 12 to the receiving accounts A1 and A2 for each member of each of the multiple organizations.

[0037] Furthermore, in this embodiment, the storage means 12 has a database for displaying advertisements related to payday. Here, multiple advertisement data are provided so that they are displayed according to the status of each member. The storage means 12 also stores electronic money payment data, vital data, and mental data for each member. Based on this data, the control means 11, in this case the payday payment means 18, acts as an execution means to determine which advertisements should be displayed to the member and sends the advertisement data to the advertisement display means 42A, 42B on the display screens 40A, 40B of terminals A, B. Note that other means in the management device 10 may perform the roles of the database and execution means. Furthermore, the database and / or execution means may be located outside the management device 10 and connected to the management device 10 and terminals A, B via a network.

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

[0039] Vital signs typically refer to human physiological parameters and derived parameters, but may be known vital signs. Vital signs include blood volume pulse signals, heart rate (HR) (also called pulse rate), heart rate variability (pulse rate variability), pulsation strength, perfusion, perfusion indicators, perfusion variability, Traube-Eran-Meyer waves, respiratory rate (RR), skin temperature, blood pressure, skin conductivity, pulse oximetry, blood oxygen saturation, or glucose levels, as well as concentrations of substances in the blood and / or tissues, and also include health indicators obtained from the shape of the PPG signal. In the present invention, it is preferable that the physiological data include one or more selected from heart rate, electrocardiogram, blood pressure, central venous pressure (CVP), oxygen saturation (SpO2), body temperature, and respiratory rate, more preferably two or more, and most preferably three or more.

[0040] This data is acquired by inputting health checkup results, inputting results measured at predetermined intervals using vital sign measuring devices, and inputting results that are automatically or manually accumulated from data acquired from rings, watches, and other portable wearable devices.

[0041] Furthermore, mental data includes voice recordings and biomarkers obtained using voice pathology analysis technology, as well as input of results from interviews with industrial physicians and mental health status checked using mental health check apps.

[0042] These are analyzed using machine learning (such as deep learning), and the AI ​​predicts the current vital and mental state based on the results. Using these results, it determines which advertisements should be displayed at that moment.

[0043] Based on these factors, the system is designed to select advertisements to display, taking into account each member's current financial, health, and / or psychological state. Terminals A and B are terminals having display screens 40A and 40B, as shown in Figure 2. In this embodiment, smartphones are used as examples for terminals A and B, but terminals A and B are not limited to smartphones, and may be composed of other devices such as personal computers or tablets.

[0044] The display screens 40A and 40B of terminals A and B are configured to include salary payment display means 41A and 41B that show that the salaries of the members have been paid from the payment account 20 to the receiving accounts A1 and A2 on the payday by the salary payment means 18, and advertising display means 42A and 42B that, based on the report that salaries have been paid to the receiving accounts A1 and A2 on the payday, display advertisements related to salaries on the same screens 40A and 40B as the salary payment display means 41A and 41B.

[0045] In this example, the salary payment display means 41A and 41B are configured to display the salary amount and the account balance, but this is not the only option. Other information may also be displayed, such as the scheduled salary payment date, the scheduled salary payment amount, the most recent salary payment amount, the countdown number of days / hours until salary payment, and the current account balance. Furthermore, the salary payment display means 41A and 41B may consist only of a report indicating that a salary payment has been made.

[0046] The salary payment display means 41A and 41B are displayed in this manner, with the advertising display means 42A and 42B displayed above them, adjacent to each other vertically. Placing salary payment information and related advertising information in such close proximity makes the advertising content more appealing and more likely to catch the attention of members.

[0047] In this example, the advertisement is positioned above the salary payment display, but this is not the only arrangement. The advertisement could be positioned below it, or the salary payment display and advertisement could be adjacent to each other on the left and right. Alternatively, they don't need to be adjacent, as long as they are close together and easy to read. Furthermore, it is also acceptable to intentionally position the salary payment display and advertisement at a distance from each other.

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

[0049] In this embodiment, in addition to the above, a financial hint display means 43A that displays financial information, and a performance-based advertising display means 44A that allows users to earn points or electronic money by watching videos or viewing advertisements are also configured to be displayed on the same screen 40A, 40B. Other images, videos, information, etc., may also be displayed. These displays may also be determined based on each member's electronic money payment data, vital data, and mental data, similar to the advertising display means 42A, 42B.

[0050] Furthermore, in addition to these configurations, the present invention may also be configured to display advertisements from a predetermined number of days before the payday (e.g., one week before, three days before, etc.) leading up to the payday, or advertisements from the payday until a specified predetermined period has elapsed (e.g., three days after, one week after, etc.), or even both. This increases the attention of each member to the advertisements displayed along with the payday announcement, resulting in more effective advertising.

[0051] In this embodiment, receiving accounts A1 and A2 were electronic money accounts that held salaries in electronic money format. However, this is not the only option. Receiving accounts A1 and A2 may be other types of accounts besides electronic money, such as cash accounts, as long as the salary payment display and advertisement display are shown together on the same screen.

[0052] Furthermore, the present invention is not limited to such a configuration. For example, a configuration may include a salary payment means 18 that pays a set amount as salary from a set payment account 20 to receiving accounts A1 and A2 set by members of the organization on a set payday; salary payment display means 41A and 41B that display a salary payment indication on terminals A and B of members of the organization that a salary payment has been made by the salary payment means 18; and advertising display means 42A and 42B that display advertisements related to salary on the same screen 40A and 40B as the salary payment display by the salary payment display means 41A and 41B. In addition to a configuration in which the management device 10 and terminals A and B are connected by a network, the present invention may also include a configuration in which all data and execution means are provided on the terminal, and when a signal is received that a salary payment has been made to the receiving account, the terminal automatically handles the display of advertisements.

[0053] Furthermore, the present invention may also include the display of advertisements in connection with the transfer of the excess amount to account A5 for transfers in case of excess. In other words, a pattern is described as having an electronic money account in which the salary is held as electronic money, measuring the time elapsed since the salary was paid to the electronic money account and determining whether a certain amount of time has passed since the salary was paid to the electronic money account, checking whether the balance of the electronic money account is greater than a predetermined amount when it is determined that a certain amount of time has passed since the salary was paid to the electronic money account and determining whether the balance of the electronic money account is greater than a predetermined amount, and if it is determined that the balance of the electronic money account is greater than a predetermined amount, automatically transferring the amount exceeding the predetermined amount to a pre-registered excess transfer account, which is one of the following: a bank account, another electronic money account, another type of electronic money account, an electronic payment method account, a crypto asset account, a securities company account, or an FX account, and having an advertising display means configured to display additional advertisements on the same screen as the salary payment display between the time the salary is paid to the electronic money account and the transfer of the excess amount to the excess transfer account. These additional advertisements should preferably be visually appealing to members as more eye-catching ads, displays announcing limited-time campaigns with larger discounts, or announcements of further limited-time campaigns on other products, in any way that will further draw members' attention.

[0054] Furthermore, another pattern includes having an electronic money account where salaries are held in electronic money, and having means to determine whether a predetermined time has arrived after a salary payment to the electronic money account, and if it is determined that a predetermined time has arrived after the salary payment to the electronic money account, means to check whether the balance of the electronic money account is greater than a predetermined amount, and if it is determined that the balance of the electronic money account is greater than a predetermined amount, means to determine whether the balance of the electronic money account is greater than a predetermined amount, and if it is determined that the balance of the electronic money account is greater than a predetermined amount, means to automatically transfer the amount exceeding the predetermined amount to a pre-registered excess transfer account, which is one of the following: a bank account, another electronic money account, another type of electronic money account, an electronic payment method account, a crypto asset account, a securities company account, or an FX account, and the advertising display means is configured to display additional advertisements on the same screen as the salary payment display between the time the salary is paid to the electronic money account and the transfer of the excess amount to the excess transfer account. The content of the additional advertisements is preferably the same as those described above.

[0055] Next, each process using the above configuration will be explained with reference to Figures 3, 4, and 5.

[0056] First, the procedure for the payroll-related advertising system 1 will be explained using Figure 3.

[0057] First, as described above, the storage means 12 acquires electronic money payment data, vital data, and mental data for each member of each of the multiple organizations, and stores them in a predetermined area.

[0058] Next, the payroll payment method 18 pays salaries from the specified account 20 to the electronic money accounts A1 and A2 of each member of each organization on the payday of that organization (Step S1). Details of this payroll payment will be described later using Figure 4.

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

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

[0061] Subsequently, if a member who sees the advertisement likes the advertised product or service, they click on the advertisement and purchase the product or service (Step S8). This is then repeated on payday.

[0062] Furthermore, the steps S1 and S2-S6 described above can be reversed. In other words, the procedure could be to first determine which advertisements to display for each member around the payday based on their payment data, vital data, and mental data (steps S2-S6), and then pay the salary (step S1). This arrangement allows for a smooth process from salary payment to advertisement display.

[0063] Furthermore, steps S2 through S6 do not need to be processed all at once. For example, steps S2 through S5 can be processed in advance, and step S6 can be processed on payday. This reduces the amount of processing required on payday and allows for advertising decisions to be made based on the payday situation.

[0064] Furthermore, if the advertisement display is to begin a specified period before the payday, the procedure should be such that steps S2-S6 are initiated once it is determined that the specified period has passed since the payday.

[0065] Furthermore, the advertisement display can be terminated at a predetermined appropriate time, such as three days or one week after payday. In addition, the display period can be adjusted so that it is longer if there are many purchases from the advertisement, and shorter if there are few purchases.

[0066] Furthermore, as illustrated in Figure 5 and described later, if the system involves transferring the excess amount to an account for transfers in case of excess payments, additional advertisements may be displayed until the time elapsed until the transfer of the excess amount occurs or until the time of the transfer of the excess amount arrives. This process is repeated, and when the time limit is reached, the excess amount is transferred, and the advertisements are either terminated or switched to a different specification.

[0067] Next, the main processing of the payroll payment system 1, which performs execution processing using the batch fund transfer means 17, individual fund transfer means 18, and distribution execution means 19 based on the information in the payroll information storage means 12 and the payroll distribution information storage means 13, will be explained with reference to Figure 4.

[0068] First, at a predetermined date and time before or on payday, a fund transfer request is made to the company's control means 31 by the bulk fund transfer means 17 based on the salary information storage means 12. This results in a bulk fund transfer instruction to transfer the total amount of salaries of multiple employees from the company account 32 to a specific account 20 (step S11). Note that the system 1 of the present invention may not have this bulk fund transfer means 17, and the company may directly perform the bulk fund transfer operation using the company's control means 31. In this case, the system 1 of the present invention is configured to wait for the bulk fund transfer from the company before performing the following steps 2 and beyond.

[0069] Next, on payday, based on the payroll information storage means 12, the individual fund transfer means 18 issues an individual fund transfer instruction to transfer the entire salary from the specified account 20 to the payroll transfer accounts A1 and B1 of each employee's electronic money account at a predetermined time (step S12).

[0070] Subsequently, the system checks whether the payroll distribution information storage means 13 contains information on payroll distribution settings (step S13). If there is no information on payroll distribution settings, the main process is terminated. If there is information on payroll distribution settings, the system then uses the payroll distribution execution means 19 to distribute the payroll from each employee's payroll transfer accounts A1 and B1 to their respective accounts A2, A3, A4, B2, B3, B4, etc., based on the payroll distribution information storage means 13 (step S14), and the main process is terminated.

[0071] In this example, steps S2-S5 of the salary payment-related advertising system are performed after the bulk fund transfer instruction (step S11) and allocation processing (step S14). However, this is not the only way to proceed, and the advertising display process may be started during the main processing of the salary payment system. For example, after steps S11-S12 have been completed and it has been confirmed that salary payments have been made to the electronic money accounts A1 and A2, the advertising display may be started before the allocation processing is executed. Alternatively, the allocation processing and advertising display may be performed simultaneously.

[0072] Furthermore, if the advertisement display is to begin a specified period before the payday, the system will be configured to start displaying the advertisement once it is confirmed that it is before the payday.

[0073] Next, we will explain the process for handling excess balances, which involves checking whether the amounts in salary deposit accounts A1 and B1 exceed a certain amount and forcibly transferring any excess funds, using Figure 5.

[0074] First, it is determined whether a salary has been deposited into the aforementioned salary deposit accounts A1 and B1 (step S21). If the salary deposit has not yet been made, the system waits until the deposit is made.

[0075] Furthermore, if a salary payment has been made, additional advertising (more flashy ads, special discount campaigns, ads for other products, etc.) is displayed, and a determination is made as to whether a certain amount of time (for example, 4 hours, 8 hours, 1 day, etc., predetermined time) has elapsed since the salary payment (step S22). If the certain amount of time has not yet elapsed, the system waits until it has elapsed. In addition to determining whether a certain amount of time has elapsed, it may also be possible to determine whether a predetermined time (for example, 14:00, 15:30, etc.) has arrived.

[0076] Furthermore, after a certain period of time has elapsed or at a predetermined time (scheduled time), the next step is to determine whether the balances in salary deposit accounts A1 and B1 exceed a certain amount (step S23). If the balances do not exceed the certain amount, the process is terminated.

[0077] Furthermore, if the balance exceeds a certain amount, the excess amount is forcibly transferred to pre-configured excess transfer accounts A5 and B5 (step S24), and the process is terminated.

[0078] At this point, the system may choose to stop displaying additional ads. Alternatively, the system may choose to continue displaying additional ads for a period of time that is set by the user.

[0079] As described above, according to the salary payment-related advertising system 1 of this embodiment, by displaying advertisements 42A and 42B associated with salary payments on the same screen 40A and 40B as the indication 41A and 41B that salary payments have been made, it is possible to create a situation that is beneficial to both the members of the organization that have received their salaries and the advertisers.

[0080] Furthermore, according to the salary payment-related advertising system 1 of this embodiment, in a system consisting of a management device 10 and terminals A and B, by displaying advertisements 42A and 42B related to salary payments on the same screen 40A and 40B as the indication 41A and 41B that salary payments have been made, it is possible to create a situation that is beneficial to both the members of the organization whose salaries have been reliably paid and the advertisers.

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

[0082] Furthermore, according to the salary payment-related advertising system 1 of this embodiment, by displaying advertisements leading up to the salary payment date from a predetermined number of days before the salary payment date and / or advertisements from the salary payment date until a predetermined period has elapsed, it is possible to make members more aware of shopping on the salary payment date.

[0083] Furthermore, according to the salary payment-related advertising system 1 of this embodiment, since receiving accounts A1 and B1 are composed of electronic money accounts, users can use the electronic money in their accounts to make purchases, and thus efficiently lead to purchases based on advertisements.

[0084] Furthermore, according to the salary payment-related advertising system 1 of this embodiment, additional advertisements 42A and 42B can be placed during the time between salary payment and the automatic transfer of excess amounts, thereby making members more aware of the use of electronic money and making the advertisements more effective.

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

[0086] Furthermore, according to the salary payment system 1 of this embodiment, the total amount of salaries for multiple employees is transferred from the company account 32 to a specific account 20, and then automatically allocated and transferred to each employee's electronic money account (settlement account) A1, B1. In addition, the system automatically performs individual allocation processing for each employee based on the allocation information registered by each employee. As a result, the effort and transfer fees for the company are reduced, as are the efforts of the employees, thereby improving convenience and benefits for both the company and the employees.

[0087] Furthermore, according to the salary payment system 1 of this embodiment, the exchange process between legal tender and electronic money (other payment methods) can also be performed within the system, making it more convenient and allowing for faster processing.

[0088] Furthermore, according to the salary payment system 1 of this embodiment, by separating employees' electronic money (other payment method) accounts (settlement accounts) into electronic money (other payment method) salary transfer accounts A1, B1 and electronic money (other payment method) general accounts A2, B2, the flow of money when salary is paid and the subsequent usage history of electronic money (other payment method) can be managed separately, making it easier for employees to understand and manage their money flow.

[0089] Furthermore, according to the payroll system 1 of this embodiment, when there is a balance in electronic money accounts A1 and B1 that exceeds a predetermined amount, the excess amount is automatically transferred to pre-registered excess transfer accounts (designated alternative accounts) A5 and B5, thereby improving employee convenience. In addition, since the excess amount is transferred after a certain period of time has elapsed since the deposit or at a predetermined time (scheduled time), the service can also accommodate cases where employees wish to transfer funds manually.

[0090] Furthermore, according to the terminals (registration devices) A ​​and B of this embodiment, by easily registering assignment information, the desired assignment process for employees can be executed easily and reliably.

[0091] Although the present invention has been described using the embodiments described above, these embodiments are intended to facilitate understanding of the present invention and are not intended to limit its interpretation. The present invention can be modified and improved without departing from its spirit, and equivalents thereof are also included.

[0092] For example, in the salary payment system 1 and management device (salary payment device) 10 of the above-described embodiment, a legal tender account is used as the specified account 20, and when paying salaries, the funds are exchanged for electronic money by the exchange means 14 and transferred to each employee's electronic money accounts A1 and B1. However, this is not the only option. For example, as shown in Figure 6, in the salary payment system 101 and management device (salary payment device) 110, when funds are deposited from the company account 32 into the legal tender account 120, the funds are immediately deposited in a lump sum into a specified electronic money account 116 as a specified account via the exchange means 14, and from there, when paying salaries, the funds are transferred to each employee's electronic money accounts A1 and B1 as settlement accounts.

[0093] Thus, because the specified account 116 consists of electronic money accounts, the exchange process between legal tender and electronic money can be carried out in advance, making the processing at the time of salary payment simpler.

[0094] Furthermore, in the embodiment described above, each employee's salary was first transferred in full to each employee's electronic money account (settlement account) A1, B1, and then distributed to other pre-registered accounts A2, A3, A4, B2, B3, B4. However, the system is not limited to this. For example, the distribution information of the salary distribution information storage means 13 could be provided to the specific account 20 in Figure 1, thereby allowing salary transfers to be performed while the distribution process is running from the beginning. In other words, the system would move each employee's salary to the distribution destination according to the distribution settings, and then deposit the remaining amount into each employee's electronic money account A1, B1.

[0095] Thus, if it is known in advance that employee allocation settings have been made, the allocation process can be initiated immediately from the specified account 20, allowing for faster completion of the payroll allocation process.

[0096] Furthermore, in the embodiment described above, each employee's electronic money account (settlement account) was divided into a salary deposit account A1 and a general account A2, but this is not the only option, and the salary deposit account and the general account may be combined into a single account.

[0097] In this case, fund transfers can be minimized, resulting in a quick and convenient configuration.

[0098] Furthermore, while the above-described embodiment only specifies checking whether the balance exceeds a certain amount for salary deposit accounts A1 and B1, it is not limited to this, and the same check may be performed for general accounts A2 and B2 as well.

[0099] Furthermore, general accounts A2 and B2 may be configured to verify whether the amount exceeds a certain limit when transferring funds from salary deposit accounts A1 and B1.

[0100] Furthermore, while the allocation information stored in the aforementioned salary allocation information storage means 13 is configured to include a bank account for legal tender and an electronic money account within the management device 10 as allocation destinations, it is not limited to these. For example, in addition to a bank account for legal tender and an electronic money account within the management device 10, it may also be possible to set other types of electronic money accounts, accounts for electronic payment methods such as stablecoins, virtual currency (crypto asset) accounts such as Bitcoin, securities company accounts, FX accounts, and other appropriate accounts. Moreover, based on such allocation information, the allocation execution means 19 may automatically perform the allocation process from each employee's settlement accounts A1 and B1 to other accounts.

[0101] Furthermore, in the embodiment described above, settlement accounts A1 and B1 were composed of electronic money accounts, but this is not limited to this, and settlement accounts may also be composed of appropriate accounts such as stablecoin accounts, cryptocurrency (crypto asset) accounts such as Bitcoin, securities company accounts, and FX accounts.

[0102] Furthermore, the specified accounts (20,116) may also consist of accounts other than legal tender accounts and electronic money accounts, such as accounts for electronic payment methods like stablecoins, cryptocurrency (crypto asset) accounts like Bitcoin, securities company accounts, and FX accounts.

[0103] Furthermore, the information stored in the salary allocation information storage means 13 and the allocation execution means 19 allow for the transfer of funds to excess accounts (designated alternative accounts) A5 and B5 when the balance of settlement accounts A1 and B1 exceeds a certain amount. These accounts are not limited to legal tender accounts as in the embodiment described above, but may also include electronic money accounts, stablecoin and other electronic payment method accounts, cryptocurrency (crypto asset) accounts such as Bitcoin, securities company accounts, FX accounts, and other appropriate accounts (even accounts in someone else's name).

[0104] Furthermore, regarding the means of exchange, in the embodiment described above, different types of currencies (such as legal tender and electronic money) were exchanged through the means of exchange. However, the system is not limited to this, and in cases where the exchange rate does not change, the system may be designed to exchange currencies without using special means such as the means of exchange. [Explanation of symbols]

[0105] 1,101 Payroll Payment System (Payroll-Related Advertising System) 10,110 Management device (payroll payment device) 11 Control means of the management device (payroll device) 12. Salary information storage means (storage means) 13. Salary allocation information storage means 14,15 Means of exchange 17. Bulk fund transfer method 18. Individual means of transferring funds (means of paying salaries) 19 Distribution execution means 20. Specific Account 30 Companies' Systems 31. Corporate Control Means 32. Corporate Account (Organizational Account) 40A,40B display screen 41A, 41B Salary payment display means 42A, 42B Advertising display means 43A Financial hint display means 44A Performance-based advertising display method 116. Designated Electronic Money Account (Designated Account) 120 fiat currency account Terminals A and B (registration devices) A1, B1 Salary deposit accounts (receiving account, settlement account, electronic money account) A2, B2 General Accounts (Settlement Accounts, Electronic Money Accounts) A3, A4, B3, B4 bank accounts A5, B5 Account for transfers in case of excess balance (designated alternative account)

Claims

1. A payroll method that pays a set amount as salary from a designated payment account to a designated receiving account set by a member of the organization on a designated payday, A salary payment display means that displays a salary payment indication on the terminal of a member of the organization that salary payment has been made by the salary payment means, An advertising display means that displays advertisements on the same screen as the salary payment display by the salary payment display means, from a predetermined period before the salary payment date until the salary payment date, or from a predetermined period before the salary payment date until after the predetermined period has elapsed until the salary payment date, A means for measuring the time elapsed since the payment of the salary to the aforementioned receiving account, and for determining whether a certain amount of time has elapsed since the payment of the salary to the aforementioned receiving account, It has, A salary payment-related advertising system characterized in that, for a certain period of time from the time the salary is paid to the receiving account, the advertising display means is configured to switch the advertisement that was previously displayed to a different advertisement on the same screen as the salary payment display.

2. A payroll method that pays a set amount as salary from a designated payment account to a designated receiving account set by a member of the organization on a designated payday, A salary payment display means that displays a salary payment indication on the terminal of a member of the organization that salary payment has been made by the salary payment means, An advertising display means that displays advertisements on the same screen as the salary payment display by the salary payment display means, from a predetermined period before the salary payment date until the salary payment date, or from a predetermined period before the salary payment date until after the predetermined period has elapsed until the salary payment date, A means for determining whether a predetermined date and time has occurred after the payment of the aforementioned salary to the aforementioned receiving account, It has, A salary payment-related advertising system characterized in that, from the time the salary is paid to the receiving account until a predetermined date and time, the advertising display means is configured to switch the advertisement that was previously displayed to a different advertisement on the same screen as the salary payment display.

3. The salary payment-related advertising system according to claim 1 or 2, characterized in that when the salary payment display is displayed, the advertising display means is configured to switch the previously displayed advertisement to a different advertisement in the same location as the advertisement.

4. The salary payment-related advertising system according to claim 1 or 2, characterized in that when the salary payment display is displayed, the advertising display means is configured to switch the previously displayed advertisement to one or more of the following: a more flashy advertisement, an advertisement for a special discount campaign, or an advertisement for a different product.

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