JP7614077B2 - PROGRAM, INFORMATION PROCESSING APPARATUS AND METHOD - Google Patents

Description

This disclosure relates to a program, an information processing device, and a method.

Systems are known that allow employees to choose how they want their pay to be paid.

Patent document 1 discloses technology for a system that receives a salary allocation ratio from an employee, calculates at least a portion of the salary based on the received allocation ratio, and associates the calculation with an employee account associated with the employee.

JP 2020-123211 A

The technology in Patent Document 1 describes a technique for accepting a salary allocation ratio from employees, calculating each employee's salary based on the accepted allocation ratio, and associating it with employee information. However, the technology in Patent Document 1 only calculates the salary allocation amount based on the allocation ratio accepted from the employee. As a result, there is a risk that the salary allocation ratio may not be optimal for the employee.

Therefore, this disclosure describes a technology that makes it possible to present more optimal salary allocation candidates to users.

According to one embodiment of the present disclosure, there is provided a program executed by a computer having a processor, the program causing the processor to execute the steps of accepting one or more salary recipients for each employee, calculating the employee's salary, presenting to the employee one or more salary destination candidates from among the one or more salary recipients based on predetermined conditions, accepting selection and approval from the employee of the presented salary destination candidates, and outputting payment data for salary payment based on the one or more registered salary recipients after the current month's salary statement has been finalized in the salary calculation step.

This disclosure makes it possible to present more optimal salary allocation options to users.

A diagram showing the overall configuration of the salary payment system 1 of embodiment 1. A block diagram showing the functional configuration of a terminal device 10 that constitutes the salary payment system 1 of embodiment 1. A diagram showing the functional configuration of the server 20 that constitutes the salary payment system 1 of embodiment 1. A figure showing an example of the data structure of a user information database 2021 stored in the server 20 constituting the salary payment system 1 of embodiment 1. 1 is a flowchart showing an example of a process for setting a salary allocation destination by the salary payment system 1 of embodiment 1. A figure showing an example of a screen when presenting candidates for salary allocation destinations to a user in the salary payment system 1 of embodiment 1.

Below, an embodiment of the present disclosure will be described with reference to the drawings. In the following description, identical parts are given the same reference numerals. Their names and functions are also the same. Therefore, detailed descriptions thereof will not be repeated.

＜Overview＞
The salary payment system according to the present disclosure will be described below. This salary payment system is a system for providing a service of presenting candidates for salary allocation destinations to users who receive salary from a corporation. Recently, virtual currency and cashless commercial transactions have become widespread, but due to legal requirements, it has still been necessary to transfer cash to employees' salary accounts for salary payments. Therefore, it is necessary to establish a salary payment system that includes payment methods other than cash. Here, if the allocation of salary payment methods is left solely to the employee's instructions, there is a risk that the salary allocation ratio will not be optimal for the employee. Therefore, the present disclosure provides a technology for presenting candidates for salary allocation destinations to users more optimally in a salary payment system.

The program in the salary payment system according to the present disclosure is a program executed by a computer having a processor, and the program causes the processor to execute the steps of accepting one or more salary recipients for each employee, calculating the employee's salary, presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on predetermined conditions, accepting from the employee a selection and approval of the presented candidate salary destinations, and, in the salary calculation step, outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been finalized.

First Embodiment
The salary payment system 1 according to the first embodiment will be described below. In the following description, for example, when the terminal device 10 accesses the server 20, the server 20 responds with information for generating a screen on the terminal device 10. The terminal device 10 generates and displays a screen based on the information received from the server 20.

<1 Overall configuration of salary payment system 1>
Fig. 1 is a diagram showing the overall configuration of a salary payment system 1 according to a first embodiment. As shown in Fig. 1, the salary payment system 1 includes a plurality of terminal devices (terminal device 10A and terminal device 10B are shown in Fig. 1. Hereinafter, they may be collectively referred to as "terminal devices 10") and a server 20. The terminal devices 10 and the server 20 are connected to each other via a network 80 so that they can communicate with each other. The network 80 is configured as a wired or wireless network.

The terminal device 10 is a device operated by each user. Here, a user is a person who uses the terminal device 10 to perform the functions of the salary payment system 1, such as salary payment, or to input a series of information related to the registration of salary allocation destinations, and refers to, for example, the manager of a corporation (enterprise) or an employee of the corporation. The terminal device 10 is realized by a stationary PC (Personal Computer), a laptop PC, or the like. Alternatively, the terminal device 10 may be, for example, a tablet compatible with a mobile communication system, a mobile terminal such as a smartphone, or the like.

The terminal device 10 is connected to the server 20 via a network 80 so as to be able to communicate with the server 20. The terminal device 10 is connected to the network 80 by communicating with communication devices such as a wireless base station 81 that supports communication standards such as 4G, 5G, and LTE (Long Term Evolution), and a wireless LAN router 82 that supports wireless LAN (Local Area Network) standards such as IEEE (Institute of Electrical and Electronics Engineers) 802.11. As shown as the terminal device 10B in FIG. 1, the terminal device 10 includes a communication IF (Interface) 12, an input device 13, an output device 14, a memory 15, a storage unit 16, and a processor 19.

The communication IF 12 is an interface for inputting and outputting signals so that the terminal device 10 can communicate with an external device such as the server 20. The input device 13 is an input device (e.g., a keyboard, a touch panel, a touch pad, a pointing device such as a mouse, etc.) for receiving input operations from a user. The output device 14 is an output device (a display, a speaker, etc.) for presenting information to a user. The memory 15 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage unit 16 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 19 is hardware for executing an instruction set described in a program, and is composed of an arithmetic unit, a register, peripheral circuits, etc.

The server 20 is a device that manages a series of processes related to salary payment. The server 20 has user information and the user's desired salary allocation destination registered in the memory unit, and acquires user information necessary for salary payment from the various information registered in the memory unit. The server 20 performs a series of processes related to salary payment based on the acquired user information.

The server 20 is a computer connected to the network 80. The server 20 includes a communication IF 22, an input/output IF 23, a memory 25, a storage 26, and a processor 29.

The communication IF 22 is an interface for inputting and outputting signals so that the server 20 can communicate with external devices. The input/output IF 23 functions as an interface with an input device (not shown) for receiving input operations from the user, and an output device (not shown) for presenting information to the user. The memory 25 is for temporarily storing programs and data processed by the programs, etc., and is a volatile memory such as a DRAM (Dynamic Random Access Memory). The storage 26 is a storage device for saving data, such as a flash memory or a HDD (Hard Disc Drive). The processor 29 is hardware for executing a set of instructions written in a program, and is composed of an arithmetic unit, registers, peripheral circuits, etc.

<1.1 Configuration of terminal device 10>
FIG. 2 is a block diagram showing the functional configuration of the terminal device 10 constituting the salary payment system 1 of the first embodiment. As shown in FIG. 2, the terminal device 10 includes a plurality of antennas (antenna 111, antenna 112), wireless communication units (first wireless communication unit 121, second wireless communication unit 122) corresponding to each antenna, an operation reception unit 130 (including a keyboard 1301 and a mouse 1302), a voice processing unit 140, a microphone 141, a speaker 142, a display 150, a storage unit 170, and a control unit 180. The terminal device 10 also has functions and configurations (e.g., a battery for storing power, a power supply circuit for controlling the supply of power from the battery to each circuit, etc.) that are not particularly shown in FIG. 2. As shown in FIG. 2, each block included in the terminal device 10 is electrically connected by a bus or the like.

The antenna 111 emits the signal emitted by the terminal device 10 as a radio wave. The antenna 111 also receives the radio wave from space and provides the received signal to the first wireless communication unit 121.

The antenna 112 emits the signal emitted by the terminal device 10 as a radio wave. The antenna 112 also receives the radio wave from space and provides the received signal to the second wireless communication unit 122.

The first wireless communication unit 121 performs modulation and demodulation processing and the like for transmitting and receiving signals via the antenna 111 so that the terminal device 10 can communicate with other wireless devices. The second wireless communication unit 122 performs modulation and demodulation processing and the like for transmitting and receiving signals via the antenna 112 so that the terminal device 10 can communicate with other wireless devices. The first wireless communication unit 121 and the second wireless communication unit 122 are communication modules including a tuner, an RSSI (Received Signal Strength Indicator) calculation circuit, a CRC (Cyclic Redundancy Check) calculation circuit, a high-frequency circuit, and the like. The first wireless communication unit 121 and the second wireless communication unit 122 perform modulation and demodulation and frequency conversion of wireless signals transmitted and received by the terminal device 10, and provide the received signals to the control unit 180.

The operation reception unit 130 has a mechanism for receiving input operations from the user. Specifically, the operation reception unit 130 includes a keyboard 1301 and a mouse 1302. Note that the operation reception unit 130 may be configured as a touch screen that detects the user's contact position on the touch panel, for example, by using a capacitive touch panel.

The keyboard 1301 accepts input operations by the user of the terminal device 10. The keyboard 1301 is a device for inputting characters, and outputs the input character information to the control unit 180 as an input signal.

The mouse 1302 accepts input operations by the user of the terminal device 10. The mouse 1302 is a pointing device for selecting an object displayed on the display 150, and outputs position information of the object selected on the screen and information indicating that a button has been pressed as an input signal to the control unit 180.

The audio processing unit 140 modulates and demodulates audio signals. The audio processing unit 140 modulates a signal provided by the microphone 141 and provides the modulated signal to the control unit 180. The audio processing unit 140 also provides the audio signal to the speaker 142. The audio processing unit 140 is realized, for example, by a processor for audio processing. The microphone 141 accepts audio input and provides an audio signal corresponding to the audio input to the audio processing unit 140. The speaker 142 converts the audio signal provided by the audio processing unit 140 into audio and outputs the audio to the outside of the terminal device 10.

The display 150 displays data such as images, videos, and text under the control of the control unit 180. The display 132 is realized, for example, by an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence) display.

The storage unit 170 is composed of a memory 15, such as a flash memory, and a storage unit 16, and stores data and programs used by the terminal device 10. In one aspect, the storage unit 170 stores user information 1701.

User information 1701 is information about a user who uses the terminal device 10 to input information necessary for salary payment, which is a function of the salary payment system 1. User information includes information that identifies the user (user ID), information about the user's name, etc.

The control unit 180 is, for example, configured by the processor 19, and controls the operation of the terminal device 10 by reading a program stored in the storage unit 170 and executing instructions contained in the program. The control unit 180 performs the functions of an input operation reception unit 1801, a transmission/reception unit 1802, a data processing unit 1803, and a notification control unit 1804 by operating according to a program that is, for example, an application that has been installed in advance in the terminal device 10 (stored in the storage unit 170).

The input operation reception unit 1801 performs processing to receive user input operations on an input device such as the keyboard 1301.

The transmission/reception unit 1802 performs processing for the terminal device 10 to transmit and receive data to and from external devices such as the server 20 in accordance with a communication protocol.

The data processing unit 1803 performs calculations on the data received by the terminal device 10 according to a program, and outputs the calculation results to a memory or the like.

The notification control unit 1804 performs processing to present information to the user. The notification control unit 1804 performs processing to display a display image on the display 150, output audio to the speaker 142, etc.

<1.2 Functional configuration of server 20>
3 is a diagram showing the functional configuration of the server 20 constituting the salary payment system 1 of the first embodiment. As shown in FIG. 3, the server 20 performs the functions of a communication unit 201, a storage unit 202, and a control unit 203.

The communication unit 201 performs processing for the server 20 to communicate with external devices.

The memory unit 202 is composed of, for example, a memory 25 and a storage 26, and stores data and programs used by the server 20. The memory unit 202 stores a user information database 2021, a salary allocation information database 2022, etc.

The user information database 2021 is a database for holding various information about users who input information necessary for salary payment in the salary payment system 1. Details will be described later.

The salary allocation destination information database 2022 is a database for storing various information regarding the allocation destinations to which the user's salary is allocated in the salary payment system 1. Details will be described later.

The control unit 203 is composed of, for example, a processor 29, which performs processing according to a program to perform the functions of various modules, including a receiving control module 2031, a sending control module 2032, a user information acquisition module 2033, a salary recipient reception module 2034, a salary recipient registration module 2035, a salary calculation module 2036, a salary allocation destination candidate setting module 2037, a salary allocation destination candidate presentation module 2038, a salary allocation destination approval module 2039, and a payment data output module 2040.

The reception control module 2031 controls the process in which the server 20 receives signals from external devices according to a communication protocol.

The transmission control module 2032 controls the process in which the server 20 transmits signals to external devices according to a communication protocol.

The user information acquisition module 2033 controls the process of acquiring information such as user information 1701, which is various information related to the user, from the user who uses the salary payment system 1. Various information related to the user is information necessary when the user uses the salary payment system 1, and includes, for example, information such as the user's ID and name. The user information acquisition module 2033 stores the acquired information related to the user in the user information database 2021.

The salary receipt receiving module 2034 controls the process of receiving account information for receiving salary from the terminal device 10 of the user who uses the salary payment system 1. At this time, the salary receipt receiving module 2034 receives, for example, the following information as the account information for the user to receive salary:
Account for cashable prepaid means Account information for cashable prepaid means Account for electronic payment means Account information linked to electronic payment means Account information for cryptocurrency Financial institution account information The number of account information accepted by the salary receipt acceptance module 2034 is not limited to one. The salary receipt acceptance module 2034 may accept multiple account information from a user.

The salary receipt registration module 2035 controls the process of registering the account information received from the user by the salary receipt reception module 2034. For example, the salary receipt registration module 2035 stores the account information received from the user by the salary receipt reception module 2034 in the salary allocation information database 2022.
In one aspect, the information may be stored in the user information database 2021 rather than in the salary allocation information database 2022.

The salary calculation module 2036 controls the process of calculating the salary of users who are employees. For example, the salary calculation module 2036 calculates the salary of a user based on the user's attendance information (not shown) stored in the memory unit 202 of the server 20. At this time, the salary calculation module 2036 may obtain information related to each user's attendance and salary from an external labor management system, rather than from the memory unit 202, and calculate the user's salary based on the obtained information.

The salary allocation candidate setting module 2037 controls the process of setting candidates for the payment destination of the user's salary calculated by the salary calculation module 2036 based on predetermined conditions. For example, the salary allocation candidate setting module 2037 sets the salary allocation candidate of the user based on the salary recipient information accepted by the salary recipient acceptance module 2034 and the following conditions as the predetermined conditions.
- Usage status of the salary recipient - Usage status of points provided at the salary recipient - Monthly payment status by the salary recipient - Fees at the salary recipient For example, the salary allocation destination candidate setting module 2037 obtains detailed information on user transactions, such as those exemplified above, via an API (Application Programming Interface) from the systems of financial institutions, providers of cashable prepaid means, electronic payment system providers, and virtual currency providers that are linked to the salary allocation system 1.
At this time, the salary allocation destination candidate setting module 2037 may set a priority for the acquired information. The salary allocation destination candidate setting module 2037 sets candidates to which the user allocates the salary based on the acquired information and the set priority.
At this time, the salary allocation destination candidate setting module 2037 sets the salary allocation destination candidate is not limited to one.
The above conditions are not limited to these. For example, the conditions may be a point redemption rate, an annual interest rate, etc. If the payment destination is a currency whose value fluctuates, such as a virtual currency, the conditions may be information such as a fluctuation range calculated from past trends.

In a certain aspect, the salary allocation destination candidate setting module 2037 may set a salary allocation destination other than the one received from the user as a salary allocation destination candidate. For example, the server 20 may store various information (fees, point redemption rate, stability, etc.) of multiple financial institutions, electronic payment systems, and virtual currencies in advance in the storage unit 202, and set the salary allocation destination candidates of the user by referring to the information.
This allows the user to receive salary allocation candidates in a more optimal manner.

In addition, in some situations, the salary allocation destination candidate setting module 2037 may re-set the salary allocation destination candidates for the user based on the changed information when a change occurs in the conditions below at the salary receiving destination.
- Usage status of the salary recipient - Usage status of points provided at the salary recipient - Monthly payment status by the salary recipient - Fees at the salary recipient - Point redemption rate - Annual interest rate - Fluctuation range calculated from past trends Specifically, for example, the salary allocation destination candidate setting module 2037 may periodically (for example, every six months) obtain user usage status, etc. via an API from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers that are linked to the salary allocation system 1.
The salary allocation destination candidate setting module 2037 sets the priority of the allocation destination based on the acquired user usage status, the most frequent usage status, the most frequent payment status, etc. The salary allocation destination candidate setting module 2037 may update the information of the salary allocation destination based on the information and present it to the user.
At this time, the server 20 updates the information in the salary allocation database 2022 only if the change is approved by the user.
In addition, the salary allocation destination candidate setting module 2037 may reset the salary allocation destination candidates based on the changed information when a change occurs in the provision mode of the salary receiving destination. For example, when the salary receiving destination is integrated, the service is stopped, etc., the salary allocation destination candidate setting module 2037 resets the information of the salary allocation destination candidates.
This allows the user to receive a presentation of possible salary allocation destinations based on the latest information on salary recipients.

The salary allocation destination candidate presentation module 2038 controls the process of presenting to the user the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037. At this time, the manner in which the salary allocation destination candidate presentation module 2038 presents the candidates to the user is not limited. For example, it may be a form depicting a pie chart, a form displaying a list, or the like, or a combination of these.
This allows the user to visually grasp in what proportion the salary allocation should be determined.

The salary allocation destination approval module 2039 controls the process of accepting approval operations from the user for the candidates presented by the salary allocation destination candidate presentation module 2038. For example, the salary allocation destination candidate presentation module 2038 presents the user with options for approval or rejection for each salary allocation destination. Thereafter, the salary allocation destination approval module 2039 may accept an operation for approval from the user. At this time, the salary allocation destination approval module 2039 may accept an approval operation after accepting a change in the allocation ratio from the user.
This allows the user to review the presented candidates in light of their own life plans and then give their approval.

The payment data output module 2040 controls the process of outputting payment data for salary payment based on the user's salary information and the approved salary recipient. Specifically, for example, the payment data output module 2040 executes processes such as remittance reservation and remittance to various financial institutions and electronic payment systems to which the salary is paid.
At this time, the payment data output module 2040 may cooperate with an external labor management system to output the payment data.
In addition, the payment data output module 2040 may work in conjunction with an external labor management system to issue pay slips based on the payee, generate different accounting entries depending on the payee, and reflect this in the business's accounting data.
This allows corporations that pay salaries to users to easily reflect this in the data managed by their accounting system, even if there are multiple salary allocation destinations.

<2 Data Structure>
FIG. 4 is a diagram showing an example of the data structure of the user information database 2021 and the salary allocation information database 2022 stored in the server 20. As shown in FIG.

As shown in FIG. 4, each record in the user information database 2021 includes the items "User ID", "Name", "Age", "Gender", "Salary", and "Notes", etc.

The item "User ID" is information that identifies each user managed by the salary payment system 1.

The item "Name" is information that indicates the name of the user managed by the salary payment system 1.

The item "Age" is information indicating the age of the user managed by the salary payment system 1.

The item "Gender" is information indicating the gender of the user managed by the salary payment system 1.

The item "Salary" is information indicating the user's salary managed by the salary payment system 1. The server 20 may obtain this information by accepting it from the salary calculation module 2036.

The "Notes" item is information that is stored if there are any special notes regarding users managed by the salary payment system 1.

As shown in Fig. 4, each record in the salary allocation information database 2022 includes an item "User ID", an item "Registered Account 1", an item "Registered Account 2", an item "Notes", etc. In this case, the "Registered Account" for each item is not limited to an account at a financial institution. It may be account information for an electronic payment system or an account for virtual currency.
In addition, the items "Registered Account 1" and "Registered Account 2" include sub-items such as "Basic Information,""UsageFee,""Monthly Usage Rate,""Total Monthly Usage Amount,""Point Redemption Rate,""Total Point Usage Amount," the item "Allocation Amount," and the item "Last Updated Date."

The item "User ID" is information that identifies each user managed by the salary payment system 1, and is the same as the item "User ID" in the user information database 2021.

The items “Registered Account 1” and “Registered Account 2” are information regarding the account to receive salary received from the user and managed by the salary payment system 1.
Each registered account includes information such as "basic information,""usagefee,""monthly usage rate,""total monthly usage amount,""point redemption rate," and "total point usage amount," and each indicates the information below.

The sub-item "Basic Information" is information that identifies the account type of the account. For example, the account types are as follows:
・Account for cashable prepaid instruments ・Account for cashable prepaid instruments ・Account for electronic payment instruments ・Account information linked to electronic payment instruments ・Account for cryptocurrency ・Financial institution account

The sub-item "Usage fees" is information that indicates fees for each account (e.g., settlement fees, etc.).

The sub-item "monthly usage rate" is information indicating the percentage of how much a user has used each account within a given period. For example, the server 20 may calculate the monthly usage rate from the total number of transactions in a month and the number of transactions in each account.
In this case, the utilization rate to be calculated is not limited to a monthly basis, but may be a half-yearly basis or a yearly basis.

The subitem "Monthly Total Usage" is information that indicates the total amount of transactions that a user has made in each account within a specified period. This information may be shown as the total amount of deposits and withdrawals.

The sub-item "Point redemption rate" is information that indicates the point redemption rate to the user for each account-providing service.

The sub-item "Total amount used for points" is information on the total amount of transactions made by the user using points in each account.

The sub-item "allocation amount" indicates the amount of salary allocated to each account. In this case, this item may indicate not only the actual amount but also what percentage of the salary is allocated. Furthermore, the server 20 may present to the user the allocation ratio of the user's salary in a graphical form based on this data.
This allows the user to visually understand how his or her salary is being allocated.

The sub-item "Last Updated Date" indicates the most recent date on which the salary allocation destination candidate setting module 2037 set the salary allocation destination of the user.
The salary allocation destination candidate setting module 2037 updates the record each time the salary allocation destination information database 2022 is updated.

The salary allocation destination candidate setting module 2037 sets the user's salary allocation destination based on the user's salary information and the information managed in the above sub-items.
This allows the user to present salary allocation candidates in accordance with his or her actual usage.

The "Notes" item is information that is stored if there are any special notes regarding the salary distribution destination information managed by the salary payment system 1.

<3 Operation>
A series of processes performed by the salary payment system 1 in the first embodiment will be described below with reference to FIG.

Figure 5 is a flowchart showing an example of the process for setting the salary allocation destination by the salary payment system 1 of embodiment 1.

In step S501, the control unit 180 of the terminal device 10 accepts one or more payee destinations for each user who is an employee. Specifically, for example, the control unit 180 accepts an input operation from the user by displaying a screen for registering payee destinations on the display 150 or the like.
The control unit 180 of the terminal device 10 transmits the received information to the server 20 .

In step S551, the control unit 203 of the server 20 calculates the user's salary. Specifically, the salary calculation module 2036 calculates the user's salary based on the user's attendance information. At this time, the salary calculation module 2036 may obtain information related to attendance and salary of each user from an external accounting system, and calculate the user's salary based on the obtained information. Note that the order of execution of steps S501 and S551 is not limited to the order shown in FIG. 5, but may be simultaneous, or step S551 may be executed first.

In step S552, the control unit 203 of the server 20 presents to the user one or more salary allocation destination candidates from among one or more salary recipients based on predetermined conditions. Specifically, for example, the control unit 203 of the server 20 transmits the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037 to the terminal device 10 by the salary allocation destination candidate presentation module 2038.

The operation of step S552 will be described in more detail. The salary allocation destination candidate setting module 2037 controls the process of setting candidates for the payment destination of the user's salary calculated by the salary calculation module 2036 based on predetermined conditions. For example, the salary allocation destination candidate setting module 2037 sets the user's salary allocation destination candidates based on the salary recipient information accepted by the salary recipient acceptance module 2034 and the following conditions as the predetermined conditions.
- Usage status of the salary recipient - Usage status of points provided at the salary recipient - Monthly payment status by the salary recipient - Fees at the salary recipient In this case, the number of salary recipient candidates set by the salary allocation destination candidate setting module 2037 is not limited to one.
The above conditions are not limited to these. For example, the conditions may be a point redemption rate, an annual interest rate, etc. If the payment destination is a currency whose value fluctuates, such as a virtual currency, the conditions may be information such as a fluctuation range calculated from past trends.

In a certain aspect, the salary allocation destination candidate setting module 2037 may set a salary allocation destination other than the one received from the user as a salary allocation destination candidate. For example, the server 20 may store a plurality of account information in the storage unit 202 in advance and set the salary allocation destination candidate of the user by referring to the account information.
This allows the user to set the salary allocation destination in a more optimal manner.

In addition, in some situations, the salary allocation destination candidate setting module 2037 may re-set the salary allocation destination candidates for the user based on the changed information when a change occurs in the conditions below at the salary receiving destination.
- Usage status of salary recipient - Usage status of points provided at salary recipient - Monthly payment status by salary recipient - Fees at salary recipient - Point redemption rate - Annual interest rate - Fluctuation range calculated from past trends In addition, when there is a change in the provision mode of salary recipient, the salary allocation destination candidate setting module 2037 may reset the salary allocation destination candidates based on the changed information. For example, when there is a merger of salary recipients, a service suspension, etc., the salary allocation destination candidate setting module 2037 resets the information of the salary allocation destination candidates.
This allows the user to allocate salary based on the most up-to-date information on salary recipients.

The salary allocation destination candidate presentation module 2038 controls the process of presenting to the user the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037. At this time, the manner in which the salary allocation destination candidate presentation module 2038 presents the candidates to the user is not limited. For example, it may be a form depicting a pie chart, a form displaying a list, or the like, or a combination of these.
This allows the user to visually grasp in what proportion the salary allocation should be determined.

In step S502, the control unit 180 of the terminal device 10 displays the salary allocation destination candidates presented by the salary allocation destination candidate presentation module 2038 of the server 20 on the display 150. After this, the control unit 180 of the terminal device 10 accepts the selection and approval of the salary allocation destination candidates presented on the display 150 from the user. Specifically, for example, the salary allocation destination approval module 2039 may accept an operation for approval from the user by presenting the user with options for approval or rejection for each salary allocation destination. At this time, the salary allocation destination approval module 2039 may accept an approval operation after accepting a change in the allocation ratio from the user.
This allows the user to review the presented candidates in light of their own life plans and then give their approval.

In step S553, after the pay slip for the current month has been finalized, the control unit 203 of the server 20 outputs payment data for salary payment based on one or more registered salary recipients. Specifically, for example, the payment data output module 2040 outputs payment data for salary payment based on the user's salary information and the salary recipients that have been approved.
Specifically, for example, the payment data output module 2040 executes processes such as remittance reservations and remittances to various financial institutions and electronic payment systems to which wages are paid.
At this time, the payment data output module 2040 may cooperate with an external labor management system to output the payment data.
In addition, the payment data output module 2040 may work in conjunction with an external labor management system to issue pay slips based on the payee, generate different accounting entries depending on the payee, and reflect this in the business's accounting data.
This allows corporations that pay salaries to users to easily reflect this in the data managed by their accounting system, even if there are multiple salary allocation destinations.

<4 Screen example>
An example of a screen of the salary payment system 1 will be described below with reference to FIG.

Figure 6 shows an example screen that is displayed when salary allocation destination candidates in salary payment system 1 are presented to the user.

As shown in FIG. 6, on the display 150 of the terminal device 10, a distribution destination candidate display section 601, a candidate setting reason display section 602, an approval acceptance button 603, and a correction acceptance button 604 are displayed.
In the allocation destination candidate display section 601, the control section 180 of the terminal device 10 displays candidates for the user's salary allocation destination in the salary payment system. Specifically, the control section 180 displays the salary allocation destination candidates set by the salary allocation destination candidate setting module 2037 and presented by the salary allocation destination candidate presentation module 2038 in the allocation destination candidate display section 601. At this time, the allocation destination candidate display section 601 may be displayed in the form of a pie chart, a list, or a list, or a combination of these.
In one aspect, the control unit 180 of the terminal device 10 may display information on the advantages and disadvantages of each of the allocation destination candidates in the allocation destination candidate display unit 601.
This allows the user to intuitively understand which account to allocate their salary to.

The control unit 180 of the terminal device 10 displays the reason for setting each allocation destination candidate in the candidate setting reason display unit 602. Specifically, the control unit 180 refers to information such as the utilization rate and total utilization amount of each account in the salary allocation destination information database 2022, and displays the reason.
This allows the user to check the reasons for setting up each account from their own behavioral history.

When the approval acceptance button 603 is pressed, the control unit 180 of the terminal device 10 accepts an approval operation from the user for the presented salary allocation destination.

The control unit 180 of the terminal device 10 accepts a correction operation for the presented salary allocation destination from the user by pressing the correction acceptance button 604. At this time, the control unit 180 may accept not only a correction of the ratio, but also an operation such as deleting some of the allocation destination candidates.
This allows the user to delete accounts that they will not use in the future and set allocation destinations that are in line with actual usage.

<Summary>
As described above, according to this embodiment, the terminal device 10 accepts input of salary recipient information from the user. The server 20 calculates the user's salary and sets salary allocation candidates based on the calculated information and the received information. The server 20 presents the salary allocation candidates to the user. The terminal device 10 accepts an operation from the user to approve the salary allocation candidates. The server 20 outputs payment data for salary payment based on the information.
This allows the user to more appropriately set the payroll destination.

Although the disclosed embodiments have been described above, they can be embodied in various other forms and can be implemented with various omissions, substitutions, and modifications. These embodiments and variations, as well as omissions, substitutions, and modifications, are included in the technical scope of the claims and their equivalents.

<Additional Notes>
The matters described in the above embodiments will be supplemented below.

(Appendix 1)
A program executed by a computer 20 having a processor 29, the program causing the processor 29 to execute the following steps: accepting one or more salary recipients for each employee (S501); calculating the employee's salary (S551); presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on predetermined conditions (S552); accepting from the employee a selection and approval of the presented candidate salary destinations (S502); and, after the current month's pay slip has been finalized in the salary calculation step (S551), outputting payment data for salary payment based on the one or more registered salary recipients (S553).

(Appendix 2)
The program further causes the processor 29 to execute the steps of issuing a pay slip based on one or more pay recipients, generating accounting entries that differ depending on the pay recipient, and reflecting the results in the business's accounting data.

(Appendix 3)
The program of claim 1, wherein the one or more payees are at least one selected from the group consisting of cashable prepaid means, electronic payment means, cryptocurrency, and financial institution accounts.

(Appendix 4)
3. The program of claim 1 or 2, wherein the predetermined condition is the employee's use of the payroll service.

(Appendix 5)
3. The program according to claim 1 or 2, wherein the specified condition is the usage of points provided at the employee's salary receiving institution.

(Appendix 6)
3. The program of claim 1 or 2, wherein the predetermined condition is the monthly payment status by the employee's payroll recipient.

(Appendix 7)
3. The program according to claim 1 or 2, wherein the specified condition is a fee at the employee's payroll recipient.

(Appendix 8)
The program is a program described in any of Appendices 1 to 6, which further causes the processor 29 to execute a step of re-presenting one or more candidate salary allocation destinations to the employee based on the changed information when a change occurs in at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points offered at the salary receiving destination, the monthly payment status by the salary receiving destination, and the fees at the salary receiving destination.

(Appendix 9)
The program is a program described in any of Appendices 1 to 7, which further causes the processor 29 to execute a step of, when a change occurs in the manner in which the salary recipient used by the employee is provided, re-presenting one or more salary allocation destination candidates to the employee based on the changed information.

(Appendix 10)
An information processing device 20 having a control unit 203, the control unit 203 executes the following steps: a step of accepting one or more salary recipients for each employee (S501); a step of calculating the employee's salary (S551); a step of presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on specified conditions (S552); a step of accepting from the employee a selection and approval of the presented candidate salary destinations (S502); and a step of outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been confirmed in the step of calculating the salary (S551) (S553).

(Appendix 11)
A method executed by a computer 20 having a processor 29, the method comprising the steps of: a step (S501) of accepting one or more salary recipients for each employee; a step (S551) of calculating the employee's salary; a step (S552) of presenting to the employee one or more candidate salary destinations from among the one or more salary recipients based on predetermined conditions; a step (S502) of accepting selection and approval from the employee of the presented candidate salary destinations; and a step (S553) of outputting payment data for salary payment based on the one or more registered salary recipients after the current month's pay slip has been finalized in the salary calculation step (S551).

10 Terminal device, 20 Server, 80 Network, 130 Operation reception unit, 170 Memory unit, 1701 User information, 180 Control unit, 1801 Input operation reception unit, 1802 Transmission/reception unit, 1803 Data processing unit, 1804 Notification control unit, 22 Communication IF, 23 Input/output IF, 25 Memory, 26 Storage, 29 Processor, 201 Communication unit, 202 Memory unit, 2021 User information database, 2022 Salary allocation destination information database, 203 Control unit, 2031 Reception control module, 2032 Transmission control module, 2033 User information acquisition module, 2034 Salary recipient reception module, 2035 Salary recipient registration module, 2036 Salary calculation module, 2037 Salary allocation destination candidate setting module, 2038 Salary allocation destination candidate presentation module, 2039 Salary allocation approval module, 2040 payment data output module.

Claims (7)

A program executed by a computer having a processor,
The program causes the processor to:
accepting multiple payee destinations for each employee;
calculating a salary for said employee;
acquiring at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers , and setting and presenting to the employee one or more salary allocation candidates among the multiple salary receiving destinations that have the highest or second highest usage rate, the highest total usage amount at the salary receiving destination, and/or the highest redemption rate of the points, based on the acquired at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination;
receiving a selection and approval from the employee regarding the proposed salary allocation candidates;
a step of outputting payment data for salary payment based on the one or more salary recipients selected and approved after the salary statement for the current month has been finalized in the salary calculation step. The program further causes the processor to
The program according to claim 1 , further comprising the steps of: issuing a pay slip based on the one or more pay recipients, generating accounting entries that differ depending on the pay recipient, and reflecting the accounting data of the business operator. The program according to claim 1, wherein the one or more payees are at least one selected from the group consisting of cashable prepaid means, electronic payment means, cryptocurrency, and financial institution accounts. The program further causes the processor to
A program as described in any one of claims 1 to 3, which, when a change occurs in at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and the fees at the salary receiving destination, executes a step of re-presenting one or more candidate salary allocation destinations to the employee based on the changed information. The program further causes the processor to
A program as described in any one of claims 1 to 4, which, when a change occurs in the provision method of the salary recipient used by the employee, executes a step of re-presenting one or more salary allocation destination candidates to the employee based on the changed information. An information processing device including a control unit,
The control unit:
accepting multiple payee destinations for each employee;
calculating a salary for said employee;
acquiring at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers , and setting and presenting to the employee one or more salary allocation candidates among the multiple salary receiving destinations that have the highest or second highest usage rate, the highest total usage amount at the salary receiving destination, and/or the highest redemption rate of the points, based on the acquired at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination;
receiving a selection and approval from the employee regarding the proposed salary allocation candidates;
an information processing device that executes, in the salary calculation step, a step of outputting payment data for salary payment based on the one or more salary recipients for which the selection and approval has been accepted after the salary statement for the current month has been finalized. 1. A method implemented by a computer having a processor, comprising:
The method further comprises the processor:
accepting multiple payee destinations for each employee;
calculating a salary for said employee;
acquiring at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination from the systems of financial institutions, cashable prepaid means providers, electronic payment system providers, and virtual currency providers , and setting and presenting to the employee one or more salary allocation candidates among the multiple salary receiving destinations that have the highest or second highest usage rate, the highest total usage amount at the salary receiving destination, and/or the highest redemption rate of the points, based on the acquired at least one of the group consisting of the usage status of the salary receiving destination used by the employee, the usage status of points provided by the salary receiving destination, the monthly payment status by the salary receiving destination, and fees at the salary receiving destination;
receiving a selection and approval from the employee regarding the proposed salary allocation candidates;
The method includes, in the step of calculating the salary, after the salary statement for the current month has been finalized, outputting payment data for salary payment based on the one or more salary recipients for which the selection and approval have been received.