JP7738952B1 - Account balance transfer system - Google Patents

Abstract

The objective of the present invention is to provide a system for a payroll system that is beneficial to both the organization that pays the payroll and the members that receive the payroll.
[Solution] The system is configured to automatically transfer the amount in excess of the predetermined amount to the registered member's excess transfer account A5 or B5 when the account has a balance greater than a predetermined amount and a certain amount of time has passed since the deposit or when a predetermined time has arrived.
[Selected Figure] Figure 1

Description

The present invention relates to a payroll payment system, and in particular to a payroll payment system that includes a process for receiving payroll in a form other than legal tender, such as electronic money.

In recent years, a system has been proposed that allows employees to receive their salary in electronic money, and a system has also been proposed that automatically allocates the salary they have received (or will receive in the future) to the necessary transfer destinations (see, for example, Patent Document 1).

JP 2024-117430 A

However, for the companies (organizations) that pay salaries, there is no difference in the effort and cost involved whether they pay salaries by traditional bank transfer or by transfer to an electronic money account, so there is no perceived benefit.

The present invention was made in consideration of these problems, and aims to provide a payroll system, payroll payment device, and registration device that are beneficial to both the company (organization) that pays the salaries and the employees (members) that receive them.

To achieve this goal, the present invention provides a salary payment system comprising: a salary information storage means for storing the salary amounts of multiple members belonging to an organization; a salary allocation information storage means for storing salary allocation information registered by the multiple members on a registration device; a bulk fund transfer means for transferring funds equivalent to the total amount of the salaries of the multiple members stored in the salary information storage means from the organization's account to a specific account; an individual fund transfer means for transferring the salaries of the multiple members stored in the salary information storage means from the specific account to which funds have been transferred by the bulk fund transfer means to each of the multiple members' respective settlement accounts opened in advance; and an allocation execution means for automatically allocating funds from the settlement account of each of the members to other accounts based on the allocation information stored in the salary allocation information storage means.

In addition to the configuration described above, the present invention is characterized by a salary payment system that includes an exchange means that allows legal tender to be mutually exchanged with any of other payment means including electronic money, electronic payment means, and crypto assets, and that is configured to exchange the legal tender for the other payment means via the exchange means when depositing money from a legal tender account that handles the legal tender to the settlement account for the other payment means, and when depositing money from the settlement account to the legal tender account.

In addition to the configuration described above, the present invention is also characterized in that the specific account is an account for any payment method other than legal tender, including electronic money, electronic payment methods, and crypto assets, and the lump-sum fund transfer means is configured to temporarily transfer funds in a lump sum from the organization's account to a specified account for the legal tender, and then transfer the funds in a lump sum to the specific account, which is an account for the other payment method.

In addition to the configuration described above, the present invention is characterized in that the salary payment system is configured such that when the member opens a payment account for any of the other payment methods, including electronic money, electronic payment methods, and crypto assets other than legal tender, a salary deposit account for the other payment method and a general account for the other payment method are automatically opened as the member's payment accounts, the individual funds transfer means transfers the member's salary to the salary deposit account, and the allocation execution means deposits money from the salary deposit account to the general account, or the member manually deposits money from the salary deposit account to the general account, thereby creating a balance in the general account, thereby enabling the member to use the other payment method.

In addition to the configuration described above, the present invention is also characterized by a salary payment system that is configured to automatically transfer the amount in excess of a predetermined amount to the registered excess transfer account of the member when the balance in the settlement account exceeds a predetermined amount after the member's salary has been deposited into the settlement account by the individual funds transfer means and a certain amount of time has passed since the deposit or when a predetermined time has arrived.

In addition to the configuration described above, the present invention is also characterized in that, when the individual funds transfer means transfers the salary from the specified account to the member's settlement account, it references the allocation information in the salary allocation information storage means, causes the allocation execution means to execute allocation processing from the specified account to other accounts in accordance with the allocation information, and transfers the balance after allocation to the settlement account.

The present invention is also characterized as a payroll payment system comprising: a payroll information storage means for storing the payroll amounts of multiple members belonging to an organization; a payroll allocation information storage means for storing payroll allocation information registered by the multiple members; an individual fund transfer means for transferring the salaries of the multiple members stored in the payroll information storage means from a specific account to which funds equivalent to the total amount of the salaries of the multiple members stored in the payroll information storage means have been transferred collectively from the organization's account, to each of the multiple members' pre-opened settlement accounts; and an allocation execution means for automatically allocating funds from the settlement account of each member to another account based on the allocation information stored in the payroll allocation information storage means.

The present invention is also characterized by a salary payment device comprising: a salary information storage means for storing the salary amounts of multiple members belonging to an organization; a salary allocation information storage means for storing salary allocation information registered by the multiple members; an individual fund transfer means for transferring the salaries of the multiple members stored in the salary information storage means from a specific account to which funds equivalent to the total amount of the salaries of the multiple members stored in the salary information storage means have been transferred collectively from the organization's account, to each of the multiple members' pre-opened settlement accounts; and an allocation execution means for automatically allocating funds from the settlement account of each of the members to other accounts based on the allocation information stored in the salary allocation information storage means.

The present invention also provides a system that transfers predetermined salaries from a specific account into which the total amount of the salaries of multiple members of an organization has been transferred collectively from the organization's account to a settlement account previously opened by the member, and automatically distributes the salaries from the settlement account of the member to other accounts based on registered distribution information. The system is characterized by having a registration device that has means for pre-registering distribution information, including account information for distributing the salaries to other accounts, distribution amount, and distribution execution date, into the system.

According to this invention, the total salary amounts of multiple members are transferred collectively from the organization's account to a specific account, and then each member's salary is automatically allocated and transferred to their respective settlement accounts. Furthermore, the allocation process for each member is automatically performed based on the allocation information registered by each member. This reduces the organization's workload and transfer fees, as well as the members' workload, improving convenience and profits for both the organization and its members.

In addition, according to the present invention, the exchange process between legal tender and other payment methods can also be carried out within the system, making the process more convenient and faster.

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

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

Furthermore, according to the present invention, when a payment account has a balance exceeding a predetermined amount, the balance is automatically transferred to a pre-registered excess transfer account, thereby further improving convenience for members. Furthermore, since the excess amount is transferred after a certain amount of time has passed since the deposit or at a predetermined time, the service also takes into consideration those who wish to transfer funds manually.

Furthermore, according to the present invention, if it is known in advance that allocation settings have been made by the employee, the allocation process can be performed immediately from the specified account, thereby completing the salary allocation process more quickly.

Furthermore, according to the present invention, by easily registering distribution information, it is possible to easily and reliably execute the distribution process desired by members.

1 is a system configuration diagram illustrating a salary payment system according to an embodiment of the present invention. 2 is a flowchart illustrating a main flow of the salary payment system according to the embodiment. 10 is a flowchart illustrating a response flow when the balance exceeds the limit in the salary payment system according to the embodiment. FIG. 10 is a system configuration diagram illustrating another example of the salary payment system according to the embodiment.

Embodiments of the present invention will be described below with reference to Figures 1 to 4.

As shown in Figure 1, the salary payment system 1 of this embodiment comprises a salary payment device 10, a specified account 20, a company (organization) system 30, terminals A and B as registration devices for employees (members) of the company (organization), bank accounts A3, A4, B3, and B4 to which funds are transferred during the allocation process, and overdraft transfer accounts (designated alternative accounts) A5 and B5, which will be described later. Each component is explained below. Note that solid lines in Figures 1 and 4 indicate the flow of money, and dotted lines indicate the flow of information.

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

In addition, in this embodiment, the salary payment device 10 is equipped with exchange means 14, 15 that exchange legal tender for electronic money. Here, exchange means 14, which exchanges legal tender for electronic money, and exchange means 15, which exchanges electronic money for legal tender, are described as separate components, but this is not limited to this. A single exchange means may be configured to perform both the exchange process from legal tender to electronic money and the exchange process from electronic money to legal tender. It is also possible that the exchange means is not provided within the salary payment device 10. When exchanging legal tender for electronic money and electronic money for legal tender, the exchange may be performed via an external exchange means, and then the amount may be deposited into an electronic money account, an external bank account, etc.

The control means 11 is programmed to control the entire payroll payment system 1 as described above, and includes a payroll information storage means 12 as a database that stores payroll information including the payroll amounts of each of the multiple employees belonging to the company and the total amount sent from the control means 31 of the company's system 30, and a payroll allocation information storage means 13 as a database that stores payroll allocation information (appropriate information including account information for allocating payroll to other accounts, allocation amounts, and allocation execution dates) that each of the multiple employees has pre-registered on terminals A and B (suitable terminals such as mobile phones, tablets, and PCs) that serve as registration devices. Terminals A and B may be configured to connect to the payroll payment device 10 via a dedicated app, for example, or via a browser, or by any other appropriate means.

The control means 11 also has a bulk funds transfer means 17, which serves as an execution means for transferring the total amount of the salaries of multiple employees stored in the salary information storage means 12 in a lump sum from the company account 32 managed by the company to the specific account 20 managed by the salary payment device 10 via the control means 31 of the company's system 30. The control means 11 also has an individual funds transfer means 18, which serves as 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 funds have been transferred by the bulk funds transfer means 17 to the electronic money accounts A1 and B1 previously opened by the multiple employees. The control means 11 also has an allocation execution means 19, which serves as an execution means for automatically allocating the funds from each employee's electronic money account A1 or B1 to each employee's other accounts A2, A3, A4, B2, B3, and B4 based on the allocation information stored in the salary allocation information storage means 13.

In addition, in this embodiment, when an employee opens an electronic money account to use the salary payment system 1, electronic money salary transfer accounts A1 and B1 and general accounts A2 and B2 used for electronic money payment management, etc. are automatically opened as the employee's electronic money accounts. Salary transfer accounts A1 and B1 are literally accounts into which salaries from the company are transferred, and the allocation execution means 19 is configured to transfer funds from these accounts to other accounts A3, A4, B3, and B4, including general accounts A2 and B2. Furthermore, general accounts A2 and B2 are accounts from which amounts are debited according to their use when making payments as electronic money. Employees may also manually transfer funds from salary transfer accounts A1 and B1 to general accounts A2 and B2. In this way, by creating a balance in general accounts A2 and B2, the employee's electronic money becomes available for use.

It is also possible for a salary deposit account and a general account not to be opened automatically when an employee opens an electronic money account as a payment account. For example, when an employee opens an electronic money account, a general account may be opened first, and then the employee may manually open a salary deposit account. Conversely, a salary deposit account may be opened when an electronic money account is opened, and then a general account may be opened manually.

In addition, there are cases (due to laws, regulations, etc.) where deposits in electronic money accounts, such as salary deposit accounts A1 and B1, cannot exceed a certain amount. In this embodiment, the salary allocation information storage means 13 is configured to pre-set excess transfer accounts (also called designated alternative accounts) A5 and B5 to which funds are forcibly transferred when the balance of salary deposit account A1 or B1 exceeds a certain amount (e.g., 100,000 yen, 800,000 yen, 1,000,000 yen, etc.). Then, for example, on a day when a salary is deposited, the balance is checked to see if it exceeds the certain amount a certain amount of time has passed (e.g., 4 hours, 12 hours, 1 day, etc.) after the salary deposit or at a predetermined time (e.g., 2:00 PM, 3:30 PM, etc.). If it does exceed the certain amount, the allocation execution means 19 forcibly transfers the excess amount to excess transfer account A5 or B5.

Here, the individual funds transfer means 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 account A1, B1, if the balance in salary deposit account A1, B1 is greater than a predetermined amount and a certain amount of time has passed since the deposit or a predetermined time (fixed time) has arrived, the amount in excess of the predetermined amount is automatically transferred to the registered excess transfer account A5, B5. Note that here, the settings are stored in the salary allocation information storage means 13 and executed by the individual funds transfer means 18, but this is not limited to this and the settings may be programmed to be stored and executed by other means.

Next, each process performed using the above configuration will be explained using Figures 2 and 3.

First, using Figure 2, we will explain the main processing that performs execution processing using the lump-sum fund transfer means 17, individual fund transfer means 18, and allocation execution means 19 based on information from the salary information storage means 12 and salary allocation information storage means 13.

First, at a predetermined date and time before or on payday, the bulk funds transfer means 17 requests the company's control means 31 to transfer funds based on the payroll information storage means 12, and then issues a bulk funds transfer instruction to transfer the total amount of salaries of multiple employees in bulk from the company account 32 to the specified account 20 (step S1). Note that the system 1 of the present invention may not have this bulk funds transfer means 17, and the company may directly perform the bulk funds transfer operation using the company's control means 31. In this case, the system 1 of the present invention is configured to wait for the bulk funds transfer from the company, and then perform the processing from step 2 onwards.

Next, on payday, based on the salary information storage means 12, an individual funds transfer instruction is issued by the individual funds transfer means 18 to transfer the entire salary from the specified account 20 to each employee's electronic money salary deposit account A1, B1 (step S2).

Then, the system checks whether there is any distribution setting information in the salary distribution information storage means 13 (step S3), and if there is no distribution setting information, the main processing ends. If there is distribution setting information, the distribution execution means 19 then performs a distribution process from each employee's salary transfer account A1, B1 to each account A2, A3, A4, B2, B3, B4, etc. based on the salary distribution information storage means 13 (step S4), and the main processing ends.

Next, we will use Figure 3 to explain the process for handling excess balances, which checks whether the amounts in salary deposit accounts A1 and B1 exceed a certain amount and forcibly transfers the excess amount.

First, a determination is made as to whether or not a salary has been transferred to the above-mentioned salary transfer accounts A1 and B1 (step S11). If the salary has not yet been transferred, the system waits until the salary is transferred.

If a salary transfer has been made, the system then determines whether a certain amount of time (e.g., a predetermined amount of time such as 4 hours, 8 hours, or 1 day) has passed since the salary transfer (step S12). If the certain amount of time has not yet passed, the system waits until the time has passed. In addition to determining whether a certain amount of time has passed, the system may also determine whether a predetermined time (e.g., 14:00, 15:30, etc.) has arrived.

Furthermore, after a certain period of time has passed or a predetermined time (fixed time) has arrived, a determination is made as to whether the balances in salary deposit accounts A1 and B1 exceed a certain amount (step S13). If the balances do not exceed the certain amount, the process ends.

If the balance exceeds a certain amount, the excess amount is forcibly transferred to the pre-set excess transfer accounts A5 and B5 (step S14), and the process ends.

As described above, according to the salary payment system 1 of this embodiment, the total salary amounts of multiple employees are transferred collectively from the company account 32 to the specified account 20, and the salaries are automatically allocated and transferred to each employee's electronic money account (payment account) A1, B1. Furthermore, the allocation process for each employee is automatically performed based on the allocation information registered by each employee. This reduces the company's workload and transfer fees, as well as the employee's workload, thereby improving convenience and profits for both the company and employees.

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

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

Furthermore, according to the salary payment system 1 of this embodiment, when there is a balance in electronic money accounts A1 and B1 that exceeds a predetermined amount, the balance is automatically transferred to a pre-registered excess transfer account (designated alternative account) A5 and B5, thereby further improving employee convenience. Furthermore, because the excess amount is transferred after a certain amount of time has passed since the deposit or at a predetermined time (fixed time), this service also takes into consideration cases where funds need to be transferred manually.

Furthermore, with the terminals (registration devices) A and B of this embodiment, by simply registering distribution information, employees can easily and reliably execute the distribution process they desire.

While the present invention has been described using the above-described embodiments, these embodiments are intended to facilitate understanding of the present invention and are not intended to limit the scope of the present invention. The present invention may be modified or improved without departing from its spirit, and equivalents thereof are also included within the scope of the present invention.

For example, in the above-described embodiment of the payroll payment system 1 and payroll payment device 10, a legal tender account is used as the specific account 20, and when payroll is paid, the account is converted into electronic money by the exchange means 14 and the funds are transferred to each employee's electronic money account A1, B1. However, this is not limited to this. For example, as in the payroll payment system 101 and payroll payment device 110 shown in Figure 4, once funds are deposited from the company account 32 into the legal tender account 120, the funds are immediately deposited in bulk into the specific electronic money account 116 as a specific account via the exchange means 14, and from there the funds are transferred to each employee's electronic money account A1, B1 as a settlement account when payroll is paid.

In this way, by configuring the specific account 116 as an electronic money account, the exchange process between legal tender and electronic money can be carried out in advance, further simplifying the process when paying wages.

In addition, in the above-described embodiment, the entire salary of each employee is first transferred to each employee's electronic money account (payment account) A1, B1, and then distributed to other pre-registered accounts A2, A3, A4, B2, B3, B4. However, this is not limited to this. For example, the specific account 20 in Figure 1 may be provided with distribution information from the salary distribution information storage means 13, and the salary may be transferred while the distribution process is being carried out from the beginning. In other words, the process involves transferring each employee's salary to the distribution destination according to the distribution settings, and depositing the remaining amount into each employee's electronic money account A1, B1.

In this way, if it is known in advance that an employee has set up distribution settings, the distribution process can be performed immediately from the specified account 20, allowing the salary distribution process to be completed more quickly.

Furthermore, in the above-described embodiment, each employee's electronic money account (payment account) was divided into a salary deposit account A1 and a general account A2, but this is not limited to this, and the salary deposit account and general account may be configured as a single account.

In this case, fund transfers can be kept to a minimum, resulting in a fast and convenient configuration.

In addition, in the above-described embodiment, it was described that only salary deposit accounts A1 and B1 were checked to see if their balances exceeded a certain amount, but this is not limited to this, and general accounts A2 and B2 may also be checked in the same way.

In addition, general accounts A2 and B2 may be configured to check whether a certain amount is exceeded when transferring funds from salary transfer accounts A1 and B1.

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

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

Furthermore, the specified accounts 20, 116 may also be composed of appropriate accounts, such as accounts for electronic payment instruments such as stablecoins, accounts for virtual currencies (crypto assets) such as Bitcoin, accounts with securities companies, and FX accounts, in addition to accounts for legal tender and electronic money.

Furthermore, the excess transfer accounts (designated alternative accounts) A5 and B5, into which funds are forcibly transferred when the balances of settlement accounts A1 and B1 exceed a certain amount, based on the information stored in the salary transfer information storage means 13 and the allocation execution means 19, are not limited to legal tender accounts as in the above-mentioned embodiment, but may also be designated as any appropriate account (even an account in someone else's name), such as an electronic money account, an electronic settlement method account for stablecoins or the like, a virtual currency (crypto asset) account for Bitcoin or the like, a securities company account, or an FX account.

Furthermore, with regard to the exchange means, in the above-described embodiment, different types of currencies (such as legal tender and electronic money) are exchanged via an exchange means, but this is not limited to this, and in cases where the exchange rate does not fluctuate, the system may be such that currencies are exchanged without the use of special means such as an exchange means.

1, 101 Salary payment system 10, 110 Salary payment device 11 Salary payment device control means 12 Salary information storage means 13 Salary allocation information storage means 14, 15 Exchange means 17 Bulk fund transfer means 18 Individual fund transfer means 19 Allocation execution means 20 Specific account 30 Corporate system 31 Corporate control means 32 Corporate account (organizational account)
116 Specific electronic money account (specific account)
120 Legal currency account A, B terminal (registration device)
A1, B1 Salary transfer account (payment account, electronic money account)
A2, B2 General account (payment account, electronic money account)
A3, A4, B3, B4: Bank accounts A5, B5: Excess transfer account (designated alternative account)

Claims (1)

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