JP7620941B2 - PROGRAM, SERVER, USER TERMINAL, INFORMATION PROCESSING SYSTEM AND INFORMATION PROCESSING METHOD - Google Patents

Description

The present invention relates to a program, a server, a user terminal, an information processing system, and an information processing method.

As cashless payments become more widespread and remittance services become more diverse, the so-called "digital salary payment" is being introduced. With the digital salary payment, a salary recipient such as an employee (hereinafter referred to as "salary recipient") can designate the payer of the salary of the company where the employee works (hereinafter referred to as "salary payer") to transfer all or part of the salary amount to the salary recipient's account provided by a money transfer service provider.
Hereinafter, an account provided by a Funds Transfer Service Provider (hereinafter referred to as a "Funds Transfer Account"), which is designated by a salary recipient and used for digital salary payments, will be referred to as a "Salary Account." A salary recipient who uses digital salary payments will also be referred to as a "User." Note that, more accurately, "digital salary payments" are digital payments of "wages," but here, "salary" will be treated as synonymous with "wages."

Patent Document 1 describes a salary advance system that enables a user (salary recipient) whose salary is transferred to an account at a financial institution to raise funds by prepaying his/her salary. This salary advance system determines that salary transfers have been made to the user's account for a specified period, and upon receiving a salary advance request from the user, transfers a first amount to the user's account as a salary advance.

Patent No. 6870126

An upper limit may be set for the balance of a salary account. The upper limit is set, for example, based on laws and regulations. In order to prevent a deposit into a salary account from causing the balance to exceed the upper limit, it may be possible to disallow a deposit request for an amount that would cause the balance to exceed the upper limit. However, in that case, deposits by salary transfer may also be disallowed, which is undesirable as it could lead to the salary payer being unable to pay the salary.

Conventionally, there has been an issue with regard to salary accounts used for digital salary payments in that there has been no technology provided that can handle cases where the upper limit set for the salary account is exceeded and that does not cause problems with salary transfers. For example, the technology described in Patent Document 1 does not take the above issue into consideration and does not provide a solution to the issue.

The present invention is intended to solve the above problems, and aims to provide a program, a server, a user terminal, an information processing system, and an information processing method that provide technology for dealing with exceeding the upper limit set for a salary account used for digital salary payments, and for preventing problems with salary transfers.

The program of the present invention causes a computer that executes the program to function as a server that includes an excess determination unit that determines whether the balance of a salary account, which is an account used for digital salary payment, exceeds an upper limit when a salary is transferred to the salary account, and a display information generation unit that generates display information to display a notification on a user terminal used by the user of the salary account to manage the salary account, informing the user that a transfer of an amount sufficient to resolve the excess of the upper limit to a preset alternative account will be executed, if the excess of the upper limit satisfies the transfer conditions after the salary transfer is executed, and a transfer execution unit that executes a transfer process of an amount sufficient to resolve the excess of the upper limit to the alternative account.

According to the program of the present invention, a computer executing the program determines whether the balance of a salary account, which is an account used for digital salary payment, exceeds an upper limit when a salary is transferred to the salary account, and if it is determined that the upper limit is exceeded, generates display information for displaying a notification on a user terminal used by the user of the salary account to manage the salary account that a transfer of an amount sufficient to eliminate the upper limit exceeding condition will be made to a predetermined alternative account, and after the salary transfer is made, if the upper limit exceeding condition satisfies the transfer conditions, executes a transfer process to transfer an amount sufficient to eliminate the upper limit exceeding condition to the alternative account.
As a result, the program of the present invention can provide technology that can deal with exceeding the upper limit set for a salary account used for digital salary payments, while preventing any disruption to salary transfers.

1 is a diagram showing a configuration of an information processing system according to a first embodiment; FIG. 2 is a block diagram showing a configuration of a server according to the first embodiment. FIG. 2 is a block diagram showing a configuration of a user terminal according to the first embodiment. 13A and 13B are diagrams showing examples of a transfer notice screen and a transfer operation screen to an alternative account. FIG. 2 is a block diagram showing a hardware configuration for implementing the functions of a server or a user terminal. 4 is a flowchart showing an information processing method according to the first embodiment.

Embodiment 1.
(Information Processing System)
Fig. 1 is a diagram showing a configuration of an information processing system 1 according to a first embodiment. In Fig. 1, the information processing system 1 is a system in which a server 2, a user terminal 3, and a store terminal 4 are connected via a network 5. An existing electric communication line can be used as the network 5. The network 5 is, for example, the Internet. The server 2, the user terminal 3, and the store terminal 4 are capable of communicating with each other via the network 5.
The information processing system 1 provides a digital salary payment service to user A and a salary payer, such as the company where user A works.

The salary account used for digital salary payment is a funds transfer account and is an account designated by a salary recipient such as User A as the account into which the salary is to be deposited.
User A, who wishes to receive a digital salary payment service, first completes a prescribed account opening procedure with a funds transfer service provider and opens a funds transfer account with User A's name, etc., as the account holder. The opened funds transfer account is, for example, assigned a unique ID. User A then specifies the ID of the opened funds transfer account to the salary payer, such as the company where User A works, and performs a payroll account designation procedure to designate the funds transfer account as a salary account and to designate that all or part of the salary amount be transferred to the salary account.

In addition, if the funds transfer service provider is also an issuer of prepaid payment instruments such as prepaid cards, the salary account used for digital salary payment may be the prepaid card account itself that was opened in advance by user A, or it may be one of the pockets (described below) provided within the prepaid card, or it may be another funds transfer account linked to the prepaid card account.
In addition, a prepaid card account that can be designated as a salary account also serves as a funds transfer account.

The server 2 determines whether the balance of the salary account exceeds the upper limit when the salary is transferred to the salary account, and if it is determined that the upper limit is exceeded, it generates display information (hereinafter also referred to as "transfer advance notice display information") to display a notice (hereinafter referred to as "transfer advance notice") on the user terminal 3 used by user A to manage the salary account that a transfer of an amount sufficient to eliminate the upper limit exceeding condition to a pre-set alternative account (hereinafter referred to as "excess transfer") will be made, and after the salary transfer is made, if the upper limit exceeding condition satisfies the transfer conditions, it executes a transfer process to transfer an amount sufficient to eliminate the upper limit exceeding condition to the alternative account.

Server 2 is typically managed or used by a funds transfer business operator, and manages one or more funds transfer accounts opened by a user, such as user A, through an account opening procedure, and also manages one or more payroll accounts, which are funds transfer accounts designated by user A, etc., and used for digital salary payments.

Further, the memory unit 23 (described later) of the server 2 stores information indicating the alternative account and information indicating the transfer conditions (hereinafter referred to as "transfer condition information").
An alternative account is designated in advance for each salary account. The alternative account is designated by user A or a salary payer such as the company where user A works, at the same time as designating the salary account. The alternative account is usually a savings account under the same name as the salary account. The alternative account may be an account other than a savings account. When the funds transfer service provider obtains information on an alternative account to be linked to a salary account from user A or the like, the funds transfer service provider stores the ID of the alternative account (hereinafter referred to as the "alternative account ID") in memory unit 23 as information indicating the alternative account, linking it to the ID of the salary account (hereinafter referred to as the "salary account ID").

The transfer conditions, for example, stipulate the timing after a salary transfer when the salary account exceeds the upper limit to execute an overdraft transfer. The transfer conditions are determined by the funds transfer service provider. The funds transfer service provider stores the determined transfer conditions in the memory unit 23.
The transfer conditions may be conditions common to all salary accounts managed by a certain funds transfer service provider through its server 2, or may be conditions that are determined for each salary account.
In the following, it is assumed that the transfer conditions are common to all salary accounts.

The management of funds transfer accounts, including salary accounts, performed by server 2 may include opening funds transfer accounts, deposit or remittance processing performed for funds transfer accounts, or management of balances associated with such deposit or remittance processing. Note that remittance processing may include transfer processing and money transfer processing.

Furthermore, when the server 2 is managed or used by a funds transferor that is also a prepaid payment instrument issuer, the server 2 may manage a prepaid card account.
The server 2 may be physically configured as a single server, or may be configured as a plurality of servers.
The server 2 will be described in detail later.

The user terminal 3 is a terminal device for a user of a salary account, such as User A, to manage his or her own salary account. The user terminal 3 is a terminal device capable of communicating with the server 2 via the network 5, and is, for example, a smartphone, a tablet terminal, or a PC (Personal Computer). In the following, it is assumed that the user terminal 3 is a smartphone. Access to the server 2 from the user terminal 3 is performed, for example, by accessing an API (Application Programming Interface) provided by the server 2.

When the user terminal 3 acquires the transfer advance notice display information from the server 2, it displays the transfer advance notice on the display unit 35 (described later) based on the acquired transfer advance notice display information. Furthermore, the user terminal 3 can transmit to the server 2, etc., information instructing a deposit into the salary account or information instructing a transfer from the salary account to another account, etc., in response to an operation from user A. When the server 2 receives these instructions from the user terminal 3, it performs a deposit process or a transfer process. User A can use these functions of the user terminal 3 to manage his own salary account managed by the server 2.
The user terminal 3 will be described in detail later.

The store terminal 4 is a terminal device installed in an affiliated store that allows payment using a payment means (hereinafter simply referred to as the "payment means") associated with a salary account. For example, the server 2 has a function for managing the payment of commercial transactions using a payment means. When user A makes a payment for a commercial transaction using a payment means at a store, the store terminal 4 reads information related to the payment means and transmits payment request information to the server 2 via the network 5. The payment request information includes the payment amount, identification information of the affiliated store where the payment was made, and information related to the payment means.

The payment means is, for example, a payment means using a smartphone or the like, including a prepaid card issued as a virtual card, or a prepaid card issued as a physical card, etc. The information on the payment means is information that can identify the payment means linked to at least one salary account (for example, if the payment means is a prepaid card, the card number unique to the prepaid card).
Hereinafter, information that can identify a payment method will be referred to as a “payment method ID.” In addition, it will be assumed that the storage unit 23 of the server 2 stores the payment method ID in association with the salary account ID.

When the server 2 receives the payment request information sent from the store terminal 4, it identifies the payroll account linked to the payment method ID included in the payment request information. The server 2 then performs a process to pay the payment amount included in the payment request information to the affiliated store from the balance of the identified payroll account. In doing so, the server 2 stores, for example, the date and time when the server 2 performed the payment process to the affiliated store, and calculates the balance of the payroll account after the payment process and stores this together with the date and time. The server 2 may also send information indicating that the payment process has been completed to the user terminal 3.

When the store terminal 4 transmits the payment request information to the server 2 via the network 5, the payment request information may be transmitted via one or more other servers (not shown in FIG. 1) other than the server 2. The other servers may be, for example, servers provided by a credit card company.

Although the commercial transactions using the payment method have been described so far as being conducted at a brick-and-mortar store, they may also be conducted with an online store by operating the user terminal 3.

(Server details)
Fig. 2 is a block diagram showing the configuration of the server 2. As shown in Fig. 2, the server 2 includes a communication unit 21, a calculation unit 22, and a storage unit 23. The communication unit 21 communicates with the user terminal 3 and the store terminal 4 via a network 5 (the network 5 is not shown in Fig. 2).
The communication unit 21 is capable of communicating via a network 5 with a user terminal 3 or a store terminal 4, which has a communication unit that is a communication device capable of mobile communication using a communication method such as LTE, 3G, 4G or 5G.

The calculation unit 22 controls the overall operation of the server 2. The calculation unit 22 has the functions of an excess determination unit 221, a display information generation unit 222, a transfer execution unit 223, a deposit management unit 224, an account setting processing unit 225, a payment request information acquisition unit 226, and a payment processing unit 227. When the calculation unit 22 executes the excess response application, the calculation unit 22 realizes the functions of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, a payment request information acquisition unit 226, and a payment processing unit 227.

The storage unit 23 is a storage device provided in a computer functioning as the server 2, and includes storage such as a hard disk drive (HDD) or a solid state drive (SSD), or a memory 103 in FIG. 5 described later.
The storage unit 23 may be provided outside the server 2 as long as it is accessible by the server 2 .

The storage unit 23 stores an excess handling application and stores data used in the calculation process of the calculation unit 22. In addition to storing, for example, for each of one or more salary accounts managed by the server 2, information identifying user A, such as user A's name or user ID, the salary account ID of user A's salary account, an alternative account ID, the salary account balance, and a payment method ID in association with each other, information common to one or more salary accounts, such as information indicating the upper limit of the salary account balance (hereinafter referred to as "upper limit information") and transfer condition information, and information indicating the amount of a fee (hereinafter referred to as "fee information") if a fee is charged for an excess transfer, is also stored in the storage unit 23.
In addition, in order to provide management functions for salary accounts and the like to user terminals 3 through network 5 in the form of so-called SaaS (Software as a Service), when server 2 executes an account management application, the account management application is also stored in memory unit 23.

(Excess Judgment Unit)
The excess determination unit 221 determines whether the balance of a salary account, which is an account used for digital salary payment, exceeds the upper limit when a salary is transferred to the salary account (hereinafter referred to as "excess determination").
The excess determination unit 221 determines whether or not there is an excess after the salary is transferred to the salary account. When the server 2 transfers a salary to a salary account that it manages, it outputs information indicating that the salary transfer has been made (hereinafter referred to as "salary transfer information") to the excess determination unit 221. The salary transfer information includes the salary account ID of the salary account to which the salary transfer was made, the salary transfer amount, the date and time of the salary transfer, etc.

When the excess determination unit 221 acquires the salary transfer information, it determines whether or not there is an excess. In determining whether or not there is an excess, the excess determination unit 221 acquires, from the memory unit 23, upper limit information and the balance linked to the salary account ID included in the salary transfer information. The excess determination unit 221 adds the acquired balance and the salary transfer amount included in the salary transfer information, and compares the total amount with the upper limit amount indicated by the upper limit amount information. If the result of the comparison shows that the total amount is equal to or less than the upper limit amount, the excess determination unit 221 determines that the upper limit amount is not exceeded. On the other hand, if the result of the comparison shows that the total amount is greater than the upper limit amount, the excess determination unit 221 determines that the upper limit amount is exceeded.

The excess determination unit 221 may determine whether or not there is an excess after the salary is transferred to the salary account, and may also determine whether or not there is an excess before the salary is transferred to the salary account.
For example, the server 2 stores information on past salary transfers to a salary account (hereinafter referred to as "actual salary information") in the memory unit 23. The actual salary information includes the salary account ID, the date and time of the salary transfer, the amount of the salary transfer, etc.
For example, when a salary is transferred to a salary account, the server 2 obtains actual salary information for the past few months linked to the salary account ID of that salary account from the memory unit 23, calculates the average salary transfer amount including the current salary transfer amount (hereinafter referred to as the "average salary transfer amount"), links it to the salary account ID and stores it in the memory unit 23. At that time, the server 2 also calculates the date and time of the next salary transfer predicted from the dates and times of past salary transfers (hereinafter referred to as the "predicted transfer date and time"), and stores it in the memory unit 23 linked to the salary account ID.

Incidentally, the number of months mentioned above is set to, for example, three months. This number of months is preset by the funds transfer service provider as a common number for all salary accounts and stored in the memory unit 23. If the past salary actual information stored in the memory unit 23 does not reach the set number of months, the server 2 calculates the average salary transfer amount based only on the available number of months.
In addition, if user A has set the salary transfer amount to the salary account in advance and information on the set salary transfer amount is available, server 2 may store the set salary transfer amount in memory unit 23 as the average salary transfer amount.

For each of one or more salary accounts managed by the server 2, the excess determination unit 221 obtains the average salary transfer amount, the current balance, and the upper limit information stored in association with the salary account ID from the memory unit 23 when the date is a predetermined number of days before the date indicated by the predicted transfer date and time. The excess determination unit 221 uses the obtained average salary transfer amount as the amount predicted for the next salary transfer (hereinafter referred to as the "predicted salary transfer amount"). The excess determination unit 221 adds the obtained balance and the average salary transfer amount as the predicted salary transfer amount, and compares the total amount with the upper limit indicated by the upper limit information. If the comparison result shows that the total amount is equal to or less than the upper limit, the excess determination unit 221 determines that the upper limit is not exceeded. On the other hand, if the comparison result shows that the total amount is greater than the upper limit, the excess determination unit 221 determines that the upper limit is exceeded.

The above-mentioned "predetermined number of days" may be, for example, one specific number of days, such as three days, or may be multiple numbers of days, such as seven days and two days. This predetermined number of days is, for example, preset by the funds transfer service provider and stored in the memory unit 23 for all salary accounts.

The actual salary information stored in the memory unit 23 may include information identifying the place of employment of user A, such as the name of the payer, such as the company that made the salary transfer. There may be cases where user A works for multiple companies, user A designates a single salary account in common for receiving salary from these companies, and the salary payment dates differ for each company. Even in such a case, if the actual salary information includes information identifying the place of employment, the server 2 can link the average salary transfer amount and predicted transfer date and time for each company by linking them with the salary account ID of user A's salary account, and store them in the memory unit 23. The excess determination unit 221 can then determine whether or not there is an excess at a timing based on the predicted transfer date for each company.

Also, for example, the server 2 may obtain information on the next scheduled salary transfer date and the scheduled salary transfer amount from a salary payment system (not shown) or a bank system (not shown) used by the employer of the user A through API linkage, etc. The server 2 uses the scheduled salary transfer amount indicated by the obtained information as the predicted salary transfer amount.
The number of days before the actual salary transfer that information on the scheduled salary transfer date and the scheduled salary transfer amount can be obtained from these systems may vary depending on the system or the place of employment. For example, the server 2 stores in the storage unit 23 information that identifies the system (e.g., the system ID) by linking it with the salary account ID, as well as information regarding the number of days before the actual salary transfer that information on the scheduled salary transfer date and the scheduled salary transfer amount can be obtained. When the date arrives on which information such as the scheduled salary transfer amount can be obtained, the server 2 accesses the above systems and obtains the information such as the scheduled salary transfer amount.

Server 2 may acquire information such as the planned salary transfer amount from the salary payment system described above, instead of or in addition to using the actual salary information.
While the server 2 can make predictions using the actual salary information at any time, it is assumed that the timing at which the server 2 can obtain information such as the planned salary transfer amount from the salary payment system or the like will be close to the actual salary payment date (for example, 2 to 3 days before the salary payment date). When the server 2 obtains information such as the planned salary transfer amount from the salary payment system or the like in addition to using the actual salary information, the server 2 makes predictions using the actual salary information until the date on which the planned salary transfer amount can be obtained from the salary payment system or the like, and when the date on which it is determined that information such as the planned amount can be obtained based on the predicted payment date arrives, the server 2 accesses the above system to obtain information such as the planned amount, thereby obtaining a more reliable predicted salary transfer amount.

Here, the salary account is designated as a salary account when User A carries out a salary account designation procedure with the salary payer, and unlike other fund transfer accounts, transfer setting information can be linked to the account. However, since the salary account also serves as a normal fund transfer account, funds other than salary may be deposited into the salary account.
Since it is difficult to predict when funds other than salary will be deposited, the server 2 does not predict the date and time of deposit of funds other than salary.
On the other hand, as mentioned above, salary transfers are generally made on a regular basis, so the server 2 calculates the next predicted transfer date and time and the predicted salary transfer amount. However, when funds other than salary are deposited into the salary account, the server 2 needs to determine whether the deposit into the salary account is a salary transfer.

In addition, since the server 2 is equipped with the deposit management unit 224 described below, if only salary transfers are always made to the salary account, the server 2 does not need to determine whether a deposit to the salary account is a salary transfer or not.

For example, server 2 may determine whether a deposit into a salary account is a salary transfer based on information identifying the workplace of user A of the salary account that was registered when the salary account was set up (hereinafter referred to as "Determination Example 1").
Methods by which User A's employer transfers salary to User A's salary account include, for example, depositing the salary from a bank account held by the company (hereinafter referred to as the "corporate bank account") to the salary account, or the company opens a money transfer account (hereinafter referred to as the "corporate money transfer account") provided by the same money transfer service provider that provides the salary account, and transferring money from the corporate money transfer account to the salary account.

Regardless of the method, for example, when server 2 is linked to a bank system that manages corporate bank accounts, or when a company opens a corporate fund transfer account, information identifying user A's place of employment, including the name of the company, can be automatically obtained by server 2, or can be obtained by the fund transfer service provider that manages or uses server 2.
The acquired information specifying the place of employment is linked to the salary account ID and stored in the memory unit 23. If the person who made a deposit into a salary account having a certain salary account ID corresponds to the information specifying the place of employment stored in the memory unit 23 in linkage with the salary account ID, the server 2 determines that the deposit is a salary transfer.
In addition, if user A works for multiple companies, the memory unit 23 may store information identifying multiple workplaces for each of the multiple companies, etc., linked to a single salary account ID.

The server 2 may determine whether a deposit into a salary account is a salary transfer based on category information registered by user A of the salary account at the time of a past salary transfer into the salary account (hereinafter referred to as "Determination Example 2"). The category information is information that is assigned, for example, by user A operating the user terminal 3 for each deposit process or remittance process performed to the salary account.
As part of managing the salary account using the user terminal 3, user A can retrieve and display the history of past deposit and remittance processes performed on the salary account from the storage unit 23 of the server 2. When the user terminal 3 receives an operation from user A to display the history, it accesses the server 2 and transmits a history retrieval request. The history retrieval request includes at least the salary account ID. The history retrieval request may also include information indicating the period (e.g., the past month) specified by user A for which history is to be retrieved.

When the user terminal 3 obtains the history from the server 2, it displays the history, for example in list format, and for each deposit transaction in the list, it displays the date and time of the deposit transaction, the name of the person who made the deposit, and the amount of the deposit, and for each remittance transaction, it displays the date and time of the remittance transaction, the name of the remittance recipient, and the amount of the remittance.

In addition, the user terminal 3 displays a pull-down menu that allows category selection or a field that allows category input along with each deposit transaction history and each remittance transaction history in the list. User A can input category information using the pull-down menu or field. For example, selectable categories include at least a category indicating "salary." User A may assign categories to only some of the history, or to all of the history.

When user A performs an operation to assign a category and an operation to confirm the assigned category, user terminal 3 accesses server 2 and transmits category information indicating the category assigned to each history, linking it to the history of each deposit transaction and the history of each remittance transaction.
When the server 2 acquires category information from the user terminal 3, it stores in the memory unit 23 the category information indicating the category assigned to each history, and for deposit transactions to which at least the category indicating "salary" has been assigned, it stores in the memory unit 23 the name of the person who made the deposit, linked to the salary account ID.
In addition, if user A works for multiple companies, the memory unit 23 may store the names of each of the multiple companies linked to a single salary account ID.

When the person who made the deposit into a salary account having a certain salary account ID is the person whose name is associated with the salary account ID and stored in the memory unit 23, the server 2 determines that the deposit is a salary transfer.

The server 2 may use both judgment example 1 and judgment example 2 to determine whether or not the deposit is a salary transfer. Examples of judgment methods that use both judgment example 1 and judgment example 2 include a method of determining that the deposit is a salary transfer if the judgment result based on either judgment example indicates that the deposit is a salary transfer, or a method of determining that the deposit is a salary transfer only if the judgment result based on both judgment examples indicates that the deposit is a salary transfer.

The server 2 may determine whether the deposit request is for a salary transfer or not by using the deposit amount or date and time included in the history and the deposit amount or date and time indicated in the deposit request.
In addition, when server 2 obtains information instructing a salary transfer (hereinafter referred to as "salary transfer instruction information") from the bank system, it may determine whether the deposit is a salary transfer based on summary information included in the salary transfer instruction information.
In addition, server 2 may perform both a judgment using judgment example 1 or judgment example 2 and a judgment using summary information, and may ultimately determine that it is a salary transfer if either judgment determines that it is a salary transfer, or may ultimately determine that it is a salary transfer only if both judgments determine that it is a salary transfer.
In addition, if a company or the like has a corporate fund transfer account for salary transfers, the server 2 may determine that a deposit made in response to a deposit request from that corporate fund transfer account is a salary transfer.

As shown in judgment example 1 or judgment example 2, even when funds other than a salary are deposited into a salary account, the server 2 can determine whether or not the deposit is a salary transfer. If the server 2 determines that the deposit is a salary transfer, it outputs the salary transfer information to the excess determination unit 221 as described above, and can also calculate the average salary transfer amount, etc., and the excess determination unit 221 can determine whether or not there is an excess.

The overage determination unit 221 outputs the result of the overage determination to the display information generation unit 222. The overage determination unit 221 may output the result of the overage determination to the display information generation unit 222 regardless of the result of the overage determination, or may output the result of the overage determination to the display information generation unit 222 only when it is determined that the upper limit amount has been exceeded.
When the excess determination unit 221 outputs the result of the excess determination to the display information generation unit 222, it outputs to the display information generation unit 222, for example, the salary account ID, the date and time when the salary transfer exceeded the upper limit or the date and time when the salary transfer is predicted to exceed the upper limit, the salary transfer amount or predicted salary transfer amount, the balance or predicted balance after the salary transfer, and the amount of the balance or predicted balance that exceeds the upper limit.

For example, when it is stated that "the excess determination unit 221 outputs certain information to the display information generation unit 222," this also includes the excess determination unit 221 causing the display information generation unit 222 to acquire the information via the storage unit 23. Hereinafter, the expression "output" is used as an expression having a similar meaning.

(Display Information Generation Unit)
When it is determined that the upper limit has been exceeded, the display information generation unit 222 generates display information (transfer notice display information) to display a notification (transfer notice) on the user terminal 3 used by user A of the salary account to manage the salary account, informing him that a transfer of an amount sufficient to resolve the upper limit exceeding condition will be made to a predetermined alternative account.
The display information generating unit 222 acquires the result of the judgment on whether or not the upper limit has been exceeded from the excess judging unit 221, and generates transfer advance notice display information if the acquired judgment result indicates that the upper limit has been exceeded.

For example, if the excess determination unit 221 determines whether or not there is an excess after a salary transfer to a salary account, the transfer notice will include the date and time when the salary transfer caused the upper limit to be exceeded, the salary transfer amount, the balance after the salary transfer, the amount of the balance that exceeds the upper limit, the transfer process of the amount that can resolve the upper limit exceedance state to the alternative account (i.e., the date and time when the excess transfer is scheduled to be executed), and the amount that is scheduled to be transferred to the alternative account by the excess transfer. In addition, if there is a fee to be paid by user A for the excess transfer, the transfer notice may also include the amount of that fee.

Also, for example, if the excess determination unit 221 determines whether or not there is an excess before transferring the salary to the salary account, the transfer notice will include the date and time when the salary transfer is predicted to cause the upper limit to be exceeded, the predicted salary transfer amount, the predicted balance after the salary transfer, the amount of the predicted balance that exceeds the upper limit, the transfer process of the amount that can resolve the upper limit exceedance state to the alternative account (i.e., the date and time when the excess transfer is scheduled to be executed), and the amount that is scheduled to be transferred to the alternative account by the excess transfer. Also, if there is a fee to be paid by user A for the excess transfer, the transfer notice may also include the amount of that fee.

In an overdraft transfer, the amount to be transferred to the substitute account is the amount that can eliminate the excess of the upper limit or the amount that is predicted to eliminate the excess of the upper limit (hereinafter, both are collectively referred to as the "resolvable amount"). The method of calculating the resolvable amount is determined, for example, by the funds transfer service provider, and information indicating the calculation method is stored in advance in the memory unit 23.

The resolvable amount is, for example, the amount that exceeds the upper limit among the balance that is over the upper limit or the balance that is predicted to be over the upper limit (hereinafter, both are collectively referred to as the "balance over the upper limit"). In this case, the method for calculating the resolvable amount is to subtract the upper limit from the balance that is over the upper limit. For example, if the upper limit is 1 million yen and the balance that is over the upper limit is 1.05 million yen, then 50,000 yen, calculated by subtracting 1 million yen from 1.05 million yen, is calculated as the resolvable amount.

The resolvable amount is, for example, the amount obtained by adding a specified amount to the balance that is over the upper limit and is in excess of the upper limit. In this case, the method for calculating the resolvable amount is to subtract the upper limit from the balance that is over the upper limit and add a specified amount to the result of this subtraction. If the upper limit is 1 million yen, the balance that is over the upper limit is 1.05 million yen, and the specified amount is 30,000 yen, then the result of subtracting 1 million yen from 1.05 million yen (50,000 yen) and adding 30,000 yen to that (50,000 yen) is calculated as the resolvable amount, or 80,000 yen.

The display information generation unit 222 obtains the result of the determination as to whether or not there is an overage from the excess determination unit 221, and if the obtained determination result indicates that the upper limit amount is exceeded, obtains the calculation method for the resolvable amount and the upper limit amount information from the memory unit 23, and obtains the balance of the salary account based on the salary account ID obtained from the excess determination unit 221 together with the above-mentioned determination result. The display information generation unit 222 calculates the resolvable amount based on this obtained information.

When the display information generating unit 222 calculates the resolvable amount, it generates transfer advance notice display information based on the calculated resolvable amount and various information obtained from the excess determination unit 221. The display information generating unit 222 can calculate the date and time of the planned excess transfer, which is included in the transfer advance notice, based on the date and time when the salary transfer exceeded the upper limit, or the date and time when the salary transfer is predicted to exceed the upper limit, obtained from the excess determination unit 221, and the transfer condition information obtained from the memory unit 23. The display information generating unit 222 can also obtain fee information indicating the fee included in the transfer advance notice from the memory unit 23.

When the display information generating unit 222 generates the transfer notice display information, it transmits the generated transfer notice display information to the user terminal 3 owned by user A that is linked to the salary account ID via the communication unit 21. The transfer notice display information can be transmitted to the user terminal 3 using an account management application. In addition, if user A has registered his/her own email address, etc., as a notification destination on the server 2, the display information generating unit 222 may transmit the transfer notice display information to that email address, etc.

When the user terminal 3 acquires the transfer notice display information from the display information generation unit 222, it displays the transfer notice on the display unit 35 based on the acquired transfer notice display information.
By visually checking the displayed transfer advance notice, a user who recognizes the possibility of an overpayment transfer can avoid the overpayment transfer by, if necessary, withdrawing money from his or her salary account so that the balance does not exceed the upper limit.

(Transfer Execution Department)
If the state of exceeding the upper limit satisfies the transfer condition after the salary transfer is made, the transfer execution unit 223 executes a transfer process of an amount capable of eliminating the state of exceeding the upper limit (amount that can be eliminated) to the alternative account.
When a salary transfer is made to a salary account managed by the server 2, as described above, the server 2 outputs the salary transfer information to the excess determination unit 221 and also outputs the salary transfer information to the transfer execution unit 223. Upon acquiring the salary transfer information, the transfer execution unit 223 acquires transfer condition information from the memory unit 23. Upon acquiring the transfer condition information, the transfer execution unit 223 checks the balance of the salary account indicated by the salary account ID included in the salary transfer information at a timing according to the transfer conditions indicated in the acquired transfer condition information.

If the transfer execution unit 223 checks the balance of the salary account at the above-mentioned timing and determines that the upper limit exceeding condition has not been resolved, in other words, if the upper limit exceeding condition satisfies the transfer conditions, it executes a transfer process of the amount that can be resolved, that is, a transfer at the time of excess.
When executing an excess transfer, the transfer execution unit 223 acquires the calculation method and upper limit amount information of the resolvable amount from the memory unit 23, and calculates the resolvable amount based on the acquired information and the confirmed balance. The transfer execution unit 223 also acquires an alternative account ID linked to the salary account ID from the memory unit 23, subtracts the resolvable amount from the balance of the salary account indicated by the salary account ID, and issues an instruction to transfer the resolvable amount to the alternative account indicated by the acquired alternative account ID.

When the fee information is stored in the memory unit 23, the transfer execution unit 223 acquires the fee information and, for example, subtracts the resolvable amount from the balance of the salary account and also subtracts the amount of the fee indicated by the fee information. Note that when the fee is borne by the funds transfer service provider, even when the fee information is acquired, the amount of the fee is not subtracted from the balance of the salary account.
After executing the excess transfer, the transfer execution unit 223 may generate display information for displaying a notification on the user terminal 3 that the excess transfer has been executed, and transmit the generated display information to the user terminal 3 via the communication unit 21.

The transfer execution unit 223 may be configured to initiate a transfer process when a deposit is made to a salary account, but only within a certain period of time after the transfer process (after an overage transfer).
When the balance of a salary account exceeds the upper limit due to a deposit, it is assumed that, for example, the execution of the above-mentioned overdraft transfer is requested on the same day. Based on this assumption, suppose that the balance of a salary account exceeds the upper limit due to a salary transfer at around 10:00 a.m. on a certain day, and user A who received the transfer advance notice does not take any action, and the overdraft transfer is executed at 10:00 p.m. according to the transfer conditions, but another salary transfer is made after 11:00 p.m., causing the balance to exceed the upper limit. Even in such a situation (hereinafter referred to as a "re-overdraft situation on the day of the overdraft transfer"), it is conceivable to send a transfer advance notice to user terminal 3 again, but according to the above request, the overdraft transfer needs to be executed in a short time of less than one hour, and it is unlikely that user A who received the transfer advance notice can respond by that time.

Therefore, in a situation where the upper limit is exceeded again on the same day as the excess transfer described above, if a deposit is made to the salary account only within a certain period (for example, on the same day) when the excess transfer was made, the deposit will be used as a trigger to determine whether the upper limit has been exceeded, and if the upper limit has been exceeded, the transfer execution unit 223 will execute the excess transfer regardless of whether or not a transfer advance notice is given (a transfer advance notice may or may not be given in such cases), thereby complying with the request to execute an excess transfer on the same day that the upper limit was exceeded.
In this case, the transfer condition indicates that the time when a deposit is made to the salary account within the above-mentioned certain period is the timing for determining whether the upper limit has been exceeded.

In addition, the transfer execution unit 223 may execute a transfer of an amount to an alternative account that can eliminate the excess of the upper limit when the transfer condition is met that the balance of the salary account is exceeding the upper limit at a preset time.
If a deposit into a salary account causes the balance to exceed the upper limit, it is expected that a request will be made to make the above-mentioned excess transfer within 24 hours from the time the upper limit is exceeded.

For example, under such an assumption, when the transfer condition is met that the balance of the salary account is above the upper limit at a predetermined time on a day, the transfer execution unit 223 may execute a transfer to the alternative account of an amount sufficient to eliminate the state of exceeding the upper limit.
The preset one time of the day is set, for example, at 10 pm This one time of the day may be set to another time.
In this case, an overdraft transfer can be executed once every 24 hours, so that the requirement to execute an overdraft transfer within 24 hours from the time the upper limit is exceeded can be complied with.

Also, for example, under the same assumption, when the transfer condition is met that the balance of the salary account is above the upper limit at multiple pre-set times in a day, the transfer execution unit 223 may execute a transfer of an amount to the alternative account that will eliminate the state of exceeding the upper limit.
The multiple times preset for one day are set to, for example, 12:00 a.m. and 8:00 p.m. The multiple times may be two times, or three or more times. In addition, any time may be set as the multiple times.
In this case, multiple overdraft transfers can be made within a 24-hour period, making it possible to more reliably comply with the requirement that overdraft transfers be made within 24 hours of the upper limit being exceeded.

Also, for example, under the same assumption, the transfer execution unit 223 may execute a transfer of an amount to an alternative account that can eliminate the state of exceeding the upper limit when the transfer condition is met that the state of exceeding the upper limit continues for a predetermined time after the salary transfer is made.
The preset time is set to, for example, 22 hours. The preset time may be any time that is less than the time based on the request (24 hours in the above assumption).
If the preset time is less than the time based on the request, the request can be complied with because even if the upper limit exceeding state continues for the longest period of time, it will always be less than the preset time.
It is advisable that the preset time is not too short, because the shorter the preset time is, the more frequently checks will be made to see if the upper limit has been exceeded, which will waste the resources of the server 2.

(Deposit Management Department)
The deposit management section 224 permits deposit of salary to a salary account by direct deposit and prohibits deposit of salary to the salary account by any method other than direct deposit.
As described above, for example, when a bank system that manages corporate bank accounts is linked to server 2, or when a company or the like opens a corporate fund transfer account, information specifying User A's place of employment, including the name of the place of employment, can be automatically acquired by server 2, or can be acquired by the funds transfer business that manages or uses server 2. The acquired information specifying the place of employment is then linked to the salary account ID and stored in memory unit 23.
In addition, if user A works for multiple companies, the memory unit 23 may store information identifying multiple workplaces for each of the multiple companies, etc., linked to a single salary account ID.

When the deposit management unit 224 permits deposits into a salary account by salary transfer and prohibits deposits into the salary account by any method other than salary transfer, when there is a deposit request to a salary account with a certain salary account ID, the deposit management unit 224 first determines whether the deposit request is from a person corresponding to the name stored in the memory unit 23 in association with the salary account ID.
If the deposit management unit 224 determines that the deposit request is not from a person corresponding to the name stored in association with the salary account ID, it refuses to execute the deposit process. On the other hand, if the deposit management unit 224 determines that the deposit request is from a person corresponding to the name stored in association with the salary account ID, it executes the deposit process.
In addition, when the deposit management unit 224 obtains salary transfer instruction information from the bank system, it may determine whether the deposit is a salary transfer or not based on the summary information contained in the salary transfer instruction information, and execute the deposit processing only if it is determined to be a salary transfer.

In addition, the deposit management unit 224 may perform both a judgment using the above-mentioned name and a judgment using the summary information, and execute the deposit process if either judgment determines that it is a salary transfer, or may execute the deposit process only if both judgments determine that it is a salary transfer.
In addition, if a company or the like has a corporate fund transfer account for salary transfers, the deposit management unit 224 may only accept deposit requests from that corporate fund transfer account and execute the deposit processing.
In addition, the deposit management unit 224 may use the deposit amount or date and time included in the history and the deposit amount or date and time indicated in the deposit request to determine whether the deposit request is a salary transfer, and only accept the deposit request and execute the deposit processing if it is determined to be a salary transfer.

The server 2 may manage all salary accounts through the deposit management unit 224 as allowing only salary deposits, or may manage a salary account as allowing only salary deposits only if a salary recipient such as user A selects to make the salary account allowing only salary deposits.
In the latter case, for example, when User A designates a fund transfer account as a salary account, he or she can select whether or not to permit only salary deposits.

In the case where a salary recipient such as user A can select whether or not to allow only salary transfers to a salary account, the server 2 stores in the memory unit 23 a flag indicating whether or not the account is subject to processing by the deposit management unit 224, in association with the salary account ID. The flag is set to "1" if only salary transfers are allowed, and to "0" if deposits other than salary transfers are also allowed.
When a deposit request is made to a salary account having a certain salary account ID, the deposit management unit 224 checks the flag stored in the memory unit 23 in association with the salary account ID, and performs the above-mentioned processing only if the flag is "1".

The deposit management unit 224 may always permit deposits by salary transfer into a certain salary account and prohibit any deposits other than salary transfers into the salary account, or may permit deposits by salary transfer into a salary account only for a certain period from the time the transfer processing is performed by the transfer execution unit 223, or only for a certain period from the time the upper limit is exceeded, and prohibit any deposits other than salary transfers into the salary account.
If the deposit management unit 224 always permits deposits by salary transfer into a certain salary account and prohibits deposits by any method other than salary transfer into the salary account, deposits into that salary account are always deposits by salary transfer, which has the advantage that the server 2 does not need to determine whether deposits such as those described above are by salary transfer or not.

On the other hand, if the deposit management unit 224 allows deposits of salary by transfer into the salary account only for a certain period from the time the transfer processing is performed by the transfer execution unit 223, or only for a certain period from the time the upper limit is exceeded, and prohibits deposits other than salary by transfer into the salary account, this has the advantage that while all deposits into the salary account are normally permitted, only salary transfers can be permitted for a certain period of time.
For example, in cases where an overpayment transfer is required to be made on the same day that the balance exceeds the upper limit, it is desirable to take measures to avoid, as much as possible, the above-mentioned "situation of a second overpayment on the same day that the overpayment transfer is made."

One possible countermeasure is to reliably avoid the "re-overage situation on the day of the overage transfer" by prohibiting all deposits for a certain period of time when the "re-overage situation on the day of the overage transfer" may occur, as described below. However, if all deposits are prohibited, salary transfers will also be prohibited, which is disadvantageous for salary recipients such as User A, as they will not be able to receive their salary on the expected day, and also for salary payers such as the company where User A works, in addition to the possibility of not being able to fulfill their salary payment obligations, it may also be burdensome for them to have to go through the procedure for transferring salary again.
From this perspective, it may be desirable for the deposit management unit 224 to permit deposits of salary by direct deposit into the salary account only for any of the certain periods mentioned above, and to prohibit deposits of salary by any method other than direct deposit into the salary account.

In addition, the deposit management unit 224 may prohibit deposits other than salary transfers into a salary account whose balance exceeds the upper limit for a certain period of time from the time the transfer processing is performed by the transfer execution unit 223, or for a certain period of time from the time the upper limit is exceeded, and may also prohibit deposits by salary transfer into a salary account whose balance exceeds the upper limit.
In this case, all deposits to the salary account are prohibited for any of the above-mentioned fixed periods. Therefore, for example, all deposits are prohibited for a fixed period during which "an overdraft situation on the day of an overdraft transfer" may occur, so that "an overdraft situation on the day of an overdraft transfer" can be reliably avoided.
In this case, while normally only deposits by salary transfer are permitted, in other words, the salary account is a salary-only account, during any of the above-mentioned fixed periods, deposits by salary transfer as well as deposits by any other method can be prohibited.

(Account setting processing section)
The account setting processing unit 225 acquires a link setting request for linking a salary account with an existing prepaid card, and links the existing prepaid card account with the salary account and stores them in the memory unit 23.
The user terminal 3, in response to an operation by user A, can generate a linking setting request for linking the salary account with an existing prepaid card account and send it to the server 2. The linking setting request includes the salary account ID of the salary account to be linked with the existing prepaid card account, and the ID of the existing prepaid card account (hereinafter referred to as the "prepaid card account ID").

When the account setting processing unit 225 of the server 2 receives a linking setting request from the user terminal 3, it links the salary account ID and the prepaid card account ID included in the received linking setting request and stores them in the memory unit 23.
Here, the existing prepaid card account is an account for a prepaid card that has already been created in the name of user A, and is an account that is managed by server 2 in the same way as user A's salary account. User A is also able to manage the existing prepaid card account through user terminal 3.

User A can create a so-called pocket within an existing prepaid card account by performing operations on the management screen for the existing prepaid card account displayed on the display unit 35 of the user terminal 3. A pocket is one or more sub-accounts that are arbitrarily created by user A within an existing prepaid card account so that the balance of the prepaid card account can be allocated, for example, according to purpose, in order to improve the convenience of user A's management of the balance of the existing prepaid card account.
User A can display and manage the pockets he or she has created on the management screen of an existing prepaid card account. Hereinafter, the screen on which the pockets are displayed will be referred to as the "pocket display screen." This pocket itself is a known technology. Hereinafter, one or more pockets created in an existing prepaid card account in this known technology will be referred to as a "true pocket." Information about the true pockets (the name of each true pocket and the allocated balance) is stored in the memory unit 23 of the server 2 in association with the existing prepaid card account ID.

When user A's salary account and user A's existing prepaid card account are linked, a pocket representing the salary account (hereinafter referred to as the "salary pocket") is displayed on the pocket display screen displayed on the display unit 35 of the user terminal 3 in addition to the real pocket. The salary pocket differs from the real pocket, which is a pocket that can be created arbitrarily within a prepaid card account, which is a pocket based on known technology, and is a virtual pocket that is automatically displayed when an existing prepaid card account and salary account are linked. The salary pocket appears on the pocket display screen as if it were a pocket on the same level as the real pocket.

For example, when user A operates user terminal 3 to display the pocket display screen of an existing prepaid card account, user terminal 3 accesses server 2 and obtains from server 2 information regarding the true pocket that is linked to the existing prepaid card account ID and stored in memory unit 23, and based on the salary account ID that is linked to the existing prepaid card account ID and stored in memory unit 23, obtains from server 2 information such as the balance of the salary account that is linked to the salary account ID and stored in memory unit 23.
When the user terminal 3 acquires this information, it displays the real pocket and the salary pocket on the pocket display screen.

User A's salary account and user A's existing prepaid card account are essentially completely independent accounts. However, just as user A can transfer money from his salary account to another bank account, for example, user A can transfer part or all of the balance of the salary pocket to one of the true pockets (for example, the main pocket of the true pockets) by performing an operation on the pocket display screen. Information on such a transfer operation is sent from user terminal 3 to server 2, and changes are made to the true pocket balance and salary account balance of the existing prepaid card account managed by server 2.

Some salary recipients, such as User A, may wish to use a prepaid card linked to an existing prepaid card account as the primary payment method. In such cases, by using the above-mentioned functions, User A can transfer the balance from his/her salary account to, for example, the main pocket of the existing prepaid card account, and use the prepaid card as the primary payment method.

When the account setting processing unit 225 receives a request to open a salary account, it may open the salary account and issue a salary account card linked to the salary account.
The account setting processor 225 may also be used to open a fund transfer account that user A will designate as a salary account linked to an existing prepaid card. Here, a fund transfer account opened for such an purpose is also referred to as a salary account. When the account setting processor 225 receives a salary account opening request from user A and opens the salary account, it may issue a salary account card linked to the salary account.

For example, user A operates user terminal 3 to send a request to open a salary account (funds transfer account) including an existing prepaid card account ID to server 2. The opening request may include card issuance selection information indicating the result of user A's selection as to whether or not to issue a salary account card.
When the account setting processing unit 225 of the server 2 receives the opening request, it opens a salary account (fund transfer account) and assigns a salary account ID, and links the salary account ID to the existing prepaid card account ID included in the opening request and stores them in the storage unit 23. If the opening request includes card issuance selection information indicating that a salary account card is selected to be issued, the account setting processing unit 225 of the server 2 issues a salary account card linked to the opened salary account. The issued salary account card may be a so-called real card, or may be a virtual card that can be used on the user terminal 3. If a prepaid card is used as the main payment method, the virtual card is only issued within the server 2 and does not need to be used on the user terminal 3.

Thereafter, when User A carries out the salary account designation procedure, the opened salary account (funds transfer account) can actually be used as a salary account.
Whether or not a salary account card is issued linked to a salary account, if user A's salary account is linked to user A's existing prepaid card account, the pocket display screen will display the real pocket and salary pocket as described above, and user A can use the pocket display screen to manage his or her existing prepaid card account and salary account.

When user A's salary account and existing prepaid card account are linked and user A has only a prepaid card, as described above, user A can, for example, transfer the balance from the salary pocket to the main pocket and use the prepaid card to use the salary deposited into the salary account. In addition, user A can operate the user terminal 3 or the like to transfer the balance of the salary account to another bank account, or operate an ATM (Automatic/Automated Teller Machine) or the like to withdraw the balance as cash.

When user A's salary account is linked to user A's existing prepaid card account and user A has both a prepaid card and a salary account card, user A can use both cards as payment methods. In this case, the transfer of the balance from the salary pocket to the main pocket is the same as when user A has only a prepaid card. Note that, technically, it is also possible to transfer the balance from the main pocket to the salary pocket, but it is conceivable that such transfers may not be possible depending on requirements such as laws and regulations.

In addition, when user A uses a prepaid card or a salary account card as a payment means, server 2 may prioritize payment processing from either the existing prepaid card account or the salary account. In this case, payment is made preferentially from one of the accounts based on a predetermined priority order, and if the balance of that account runs out, payment is made from the other account, so there is no need to transfer the balance from the salary pocket to the main pocket as described above.
The following describes a case where user A performs a commercial transaction at a store using a prepaid card or a salary account card as a payment method.

(Payment request information acquisition unit)
The payment request information acquisition unit 226 acquires payment request information requesting payment from the store terminal 4. When user A makes a payment for a commercial transaction using a payment means at a store, the store terminal 4 reads information related to the payment means and transmits the payment request information to the server 2 via the network 5. The payment request information includes the payment amount, identification information of the affiliated store where the payment was made, and information related to the payment means. The information related to the payment means is an existing prepaid card account ID or salary account ID.
When the payment request information acquisition unit 226 of the server 2 acquires the payment request information from the store terminal 4 , the payment request information acquisition unit 226 outputs the acquired payment request information to the payment processing unit 227 .

(Payment Processing Unit)
The payment processing unit 227 performs the payment process for the payment amount indicated by the payment request information, giving priority to either the existing prepaid card account or the salary account.
When user A's salary account and user A's existing prepaid card account are linked, the funds transfer service provider may decide whether to give priority to the existing prepaid card account or the salary account for settlement processing, and may store this in advance in the memory unit 23 as a default.
In a similar case, user A may arbitrarily decide whether to prioritize payment processing from an existing prepaid card account or a salary account, and, for example, may operate user terminal 3 to send information regarding which account will be prioritized to server 2. After receiving this information, server 2 may link the information to the prepaid card account ID or the salary account ID and store it in memory unit 23.

The operation of the payment processing unit 227 will be described below taking as an example a case where information to the effect that payment from a salary account is given priority is stored in the storage unit 23.
When the payment processing unit 227 acquires the payment request information from the payment request information acquisition unit 226, it identifies the prepaid card account and the salary account based on the information on the payment method included in the payment request information, acquires the balance information of each, and acquires information on which account is to be prioritized from the storage unit 23. As described above, it is assumed here that the information indicates that payment from the salary account is to be prioritized.

The payment processing unit 227 performs payment processing from the salary account if the balance in the salary account is sufficient for the payment amount indicated by the payment request information. Also, if the balance in the salary account is insufficient for the payment amount, in addition to performing payment processing from the salary account, the payment processing unit 227 performs payment processing from the existing prepaid card account for the shortfall.
In addition, the operation of the payment processing unit 227 when priority is given to payment from an existing prepaid card account is the same as the above-mentioned operation except that the two accounts are swapped, so a detailed explanation will be omitted.

(Details of User Terminal 3)
Fig. 3 is a block diagram showing the configuration of the user terminal 3. As shown in Fig. 3, the user terminal 3 includes a communication unit 31, a calculation unit 32, a storage unit 33, an operation unit 34, and a display unit 35.

The communication unit 31 is a communication interface for communicating with other devices. The communication unit 31 is a communication device capable of mobile communication using a communication method such as LTE, 3G, 4G, or 5G, and communicates with other devices (not shown in FIG. 3) such as the server 2 via a network 5 (network 5 is not shown in FIG. 3). The communication unit 31 may also be equipped with a short-range wireless communication means such as Bluetooth (registered trademark).

The calculation unit 32 controls the overall operation of the user terminal 3. The calculation unit 32 has the functions of a display mode determination unit 321 and a display control unit 322. When a display control application is installed in the user terminal 3, the calculation unit 32 executes the display control application, causing the calculation unit 32 to realize the functions of the display mode determination unit 321 and the display control unit 322. When the display control application is executed on the server 2, the calculation unit 32 receives an instruction from the server 2, causing the calculation unit 32 to realize the functions of the display mode determination unit 321 and the display control unit 322.

The storage unit 33 is a storage device provided in a computer functioning as the user terminal 3, and includes storage such as an HDD or SSD, or the memory 103 of FIG. 5. The storage unit 33 stores a display control application and stores data used in the calculation processing of the calculation unit 32. Note that the storage unit 33 may be provided outside the user terminal 3 as long as it is accessible by the user terminal 3.

The operation unit 34 is an input device that accepts operations on the screen display of the display unit 35 provided in the user terminal 3. For example, if the user terminal 3 is a smartphone or a tablet terminal, the operation unit 34 is a touch panel that is integrated with the screen of the display unit 35. Also, if the user terminal 3 is a PC, the operation unit 34 is, for example, a mouse or a keyboard.

The display unit 35 is a display device provided in the user terminal 3. The display unit 35 is, for example, an LCD (Liquid Crystal Display) or an organic EL (Electroluminescence) display device.

(Display mode determination unit)
The display mode determination unit 321 acquires the transfer advance notice display information. The transfer advance notice display information is display information for displaying a notice that, when it is determined that the balance of the salary account exceeds the upper limit due to the salary transfer to the salary account, a transfer of an amount that can eliminate the excess of the upper limit (amount that can be eliminated) to a preset alternative account will be executed, which is sent from the server 2 that manages the salary account.
When the display mode determination unit 321 acquires the transfer notice display information, it determines the display mode of the notification. The display mode is a mode of how various information included in the transfer notice notice display information (e.g., the salary transfer amount, the balance after the salary transfer, and the amount of the balance that exceeds the upper limit, etc.) is displayed on the display unit 35. Information regarding the display mode is set in advance and stored in the memory unit 33. The display mode may be changeable by an operation of the user A.
The display mode determination unit 321, for example, determines whether to add a warning mark, determines the layout and color of each piece of information, or determines the screen mode such as pop-up display or banner display. When the display mode determination unit 321 determines the display mode of the notification, it outputs the determined display mode to the display control unit 322.

(Display control unit)
The display control unit 322 displays a notification on the display screen based on the display mode. For example, the display control unit 322 displays a screen (transfer advance notice) on the display unit 35 notifying that a transfer (excess transfer) of an amount (resolvable amount) that can resolve the upper limit exceeding state to the designated alternative account will be executed. User A can check the contents of the transfer advance notice and avoid the upper limit exceeding state as necessary, for example, by transferring money from the salary account to the alternative account.

With reference to Fig. 4, specific examples of screens 35A, 35B, and 35C displayed on the display unit 35 of the user terminal 3 when user A receives a transfer advance notice and transfers money from the salary account to an alternative account when the upper limit is exceeded will be described. Fig. 4 shows an example of a transfer advance notice screen and a transfer operation screen to an alternative account. Here, a case is shown in which the salary account used for digital salary payment is a prepaid card account.
When the display mode determination unit 321 acquires the transfer notice display information and determines the display mode, the display control unit 322 first displays, for example, screen 35A shown on the left side of Fig. 4 on the display unit 35. Screen 35A is an example of a transfer notice screen.

Screen 35A also displays that the card balance is now 1,012,345 yen as a result of salary being transferred to the salary account. Screen 35A also displays text such as "Salary balance upper limit + 12,345 yen" in display field 351, indicating that the balance is 12,345 yen more than the upper limit of 1,000,000 yen. Display field 351 also displays the text "Salary balance upper limit exceeded" along with a warning mark on the left side of the screen. By visually checking display field 351, user A can recognize that if the current state continues, an excess transfer will be performed.
Furthermore, in the display field 352 on the screen 35A displaying the words "Salary Transfer Deposit", it is displayed that the amount of the salary transfer was 1,000,000 yen.

If the salary balance exceeds the upper limit of 1,000,000 yen, the transfer execution unit 223 of the server 2 transfers (overpayment transfer) the resolvable amount (here, the excess amount) to a designated alternative account (hereinafter referred to as the "designated alternative account") at, for example, 10 p.m. on the day the upper limit was exceeded. When transferring money to the designated alternative account, the transfer execution unit 223 may deduct a transfer fee of xxx yen from the balance of user A's salary account.
On the other hand, the transfer execution unit 223 will not transfer money to the designated substitute account as an excess transfer if the settlement of the commercial transaction using at least the excess amount has been completed on the same day, if at least the excess amount has been withdrawn in cash, or if a transfer to the designated substitute account or another bank account, etc. has been performed by user A's operation.
To avoid an overdraft transfer by server 2, in other words, by the funds transfer service provider, user A checks screen 35A and then, for example, transfers money from the salary account to the alternative account so as to resolve the condition of exceeding the upper limit. Note that even if a fee is charged for an overdraft transfer, if user A himself or herself transfers money from the salary account to the alternative account, for example, the fee is not charged.

For example, when user A taps on display field 351, user terminal 3 displays screen 35B, the second from the left in FIG. 4, on display unit 35. Screen 35B displays display field 353 and display field 354 together. Display field 353 displays the words "Excess remittance" and the words "Withdrawable balance (salary balance)" as a breakdown of "Excess remittance". In screen 35B, display field 353 displays the excess amount of 12,345 yen. Display field 354 displays that the amount in excess of the upper limit of the salary balance will be remitted to the designated alternative account.

When the transfer of the excess amount to the designated substitute account is complete, the user terminal 3 displays screen 35C, the third from the left in FIG. 4, on the display unit 35. Screen 35C is the screen after the excess amount has been transferred from screen 35A to the designated substitute account. Screen 35C shows 1,000,000 yen in the "Card balance" column, as the excess amount of 12,345 yen has been transferred to the designated substitute account.

Screen 35C also displays in display field 355 the words "Excess remittance," indicating that the excess remitted amount is 12,345 yen. Furthermore, display field 356 on screen 35C displays the words "Salary transfer deposited," indicating that the amount of the salary transfer was 1,000,000 yen.

(program)
5 is a block diagram showing a hardware configuration for realizing the functions of the server 2 or the user terminal 3. For example, the calculation unit 22 for realizing the functions of the server 2 has, as hardware components, a communication interface 100, an input/output interface 101, a processor 102, and a memory 103. The functions of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, the settlement request information acquisition unit 226, and the settlement processing unit 227 included in the calculation unit 22 are realized by these hardware components.

The communication interface 100 outputs data received from the user terminal 3 or the store terminal 4 via the network 5 to the processor 102 by the communication unit 21, and transmits data generated by the processor 102 to the user terminal 3 or the store terminal 4 via the network 5. The processor 102 controls the reading and writing of data from and to the memory unit 23 via the input/output interface 101.

An application program (excess response application) for realizing each function of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, the payment request information acquisition unit 226, and the payment processing unit 227 is stored in the memory 103. The memory 103 is, for example, a semiconductor memory provided in a computer functioning as the server 2. The processor 102 executes a program loaded from the storage unit 23 to the memory 103 via the input/output interface 101. In this way, the processor 102 realizes each function of the excess determination unit 221, the display information generation unit 222, the transfer execution unit 223, the deposit management unit 224, the account setting processing unit 225, the payment request information acquisition unit 226, and the payment processing unit 227.

The calculation unit 32 that realizes the functions of the user terminal 3 has, as hardware configuration, a communication interface 100, an input/output interface 101, a processor 102, and a memory 103. The functions of the display mode determination unit 321 and the display control unit 322 provided in the calculation unit 32 are realized by these hardware configurations.

The communication interface 100 outputs data received from each device via the network 5 to the processor 102 through the communication unit 31, and transmits data generated by the processor 102 to each device via the network 5. The processor 102 acquires operation information from the operation unit 34 via the input/output interface 101, and controls the display of the display unit 35.

When a display control application is installed in the user terminal 3, an application program (display control application) for realizing each function of the display mode determination unit 321 and the display control unit 322 is stored in the memory 103. The memory 103 is, for example, a semiconductor memory mounted on a smartphone.

When the display control application is installed in the user terminal 3, the processor 102 executes a program loaded from the storage unit 33 to the memory 103 via the input/output interface 101. In this way, the processor 102 realizes the functions of the display mode determination unit 321 and the display control unit 322.

(Information Processing Method)
FIG. 6 is a flowchart showing an information processing method executed by the server 2 according to the first embodiment.
The excess determination unit 221 determines whether the balance of the salary account used for digital salary payment exceeds the upper limit (step ST1). If it is determined that the balance of the salary account does not exceed the upper limit (step ST1; NO), the series of processes in FIG. 6 is terminated, and the process from step ST1 is repeated again.

For example, if it is determined that the balance of a salary account exceeds the upper limit (step ST1; YES), the display information generation unit 222 generates display information (transfer notice display information) to display a notification (transfer notice) on the user terminal 3 used by the user of the salary account to manage the salary account, informing him that a transfer of an amount (resolvable amount) capable of resolving the excess over the upper limit to a pre-set alternative account will be made (step ST2).
Furthermore, if it is determined that the balance of the salary account exceeds the upper limit, the transfer execution unit 223 executes a transfer process to the alternative account for an amount (resolvable amount) that can eliminate the excess over the upper limit if the excess over the upper limit satisfies the transfer conditions after the salary transfer is made (step ST3).

The functions of the server 2 need to include at least the functions of an excess determination unit 221, a display information generation unit 222, and a transfer execution unit 223, and the functions of a deposit management unit 224, an account setting processing unit 225, a payment request information acquisition unit 226, and a payment processing unit 227 are optional functions.

As described above, the server 2 according to the first embodiment comprises an excess determination unit 221 which determines whether the balance of the salary account, which is an account used for digitally paying the salary, exceeds the upper limit when a salary is transferred to the salary account, and a display information generation unit 222 which, if it is determined that the upper limit is exceeded, generates display information for displaying a notification on the user terminal 3 used by the user of the salary account to manage the salary account that a transfer of an amount sufficient to resolve the upper limit exceeding state will be executed to a preset alternative account; and a transfer execution unit 223 which, after the salary transfer is performed, executes a transfer process of an amount sufficient to resolve the upper limit exceeding state to the alternative account if the upper limit exceeding state satisfies the transfer conditions.
Therefore, the program (overage response application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to provide technology that can respond to exceeding the upper limit set for a salary account used for digital salary payments, while preventing any disruption to salary transfers.
In addition, a fee may be charged for an overdraft transfer. In addition, when an overdraft transfer is executed, the balance of the salary account may become an amount that the user does not intend. In consideration of these points, it is desirable for the user to be notified of the overdraft transfer before the overdraft transfer is executed. A user who recognizes the possibility of an overdraft transfer can avoid the execution of the overdraft transfer by withdrawing money from the salary account himself so that the balance does not exceed the upper limit. The program (overdraft application) of the first embodiment that causes a computer to function as the server 2 enables a transfer notice before an overdraft transfer is executed, and can notify a user who pays his/her salary digitally of the possibility of an overdraft transfer in a manner that is highly convenient for the user.
In addition, the program (overage response application) of embodiment 1 that causes a computer to function as server 2 can provide a technology that quickly executes an excess transfer at a specified timing when, for example, a deposit made through a salary transfer actually causes the upper limit to be exceeded.

The server 2 according to the first embodiment may include a deposit management unit 224 that permits deposits of salary by direct deposit into a salary account and prohibits deposits of money other than by direct deposit into the salary account.
In this case, the program (excess response application) of embodiment 1 that causes a computer to function as server 2 can be executed by the computer to turn the salary account into an account that only allows salary deposits as needed (for example, all the time or for a specified period only).

In the server 2 relating to embodiment 1, the deposit management unit 224 may permit deposits of salary by transfer into the salary account only for a certain period from the time the transfer processing is performed by the transfer execution unit, or only for a certain period from the time the upper limit is exceeded, and may prohibit deposits of salary by any method other than salary transfer into the salary account.
In this case, the program (excess handling application) according to the first embodiment, which causes a computer to function as the server 2, is executed by the computer, and while normally allowing all deposits (salary deposits and deposits other than salary deposits), deposits other than salary deposits can be prohibited for a certain predetermined period of time. In this way, the program according to the first embodiment can prevent the upper limit being exceeded again as much as possible during the predetermined period after the transfer process (excess transfer), while at the same time allowing salary transfers so as not to disadvantage the salary recipient such as user A or the salary payer.

In the server 2 relating to embodiment 1, the deposit management unit 224 may prohibit all deposits into the salary account for a certain period of time from the time the transfer processing is performed by the transfer execution unit, or for a certain period of time from the time the upper limit is exceeded.
In this case, the program (excess handling application) according to the first embodiment, which causes a computer to function as the server 2, can be executed by the computer to prohibit all deposits for a certain period of time, even if all deposits (salary deposits and deposits other than salary deposits) are normally permitted, or even if only salary deposits are normally permitted. This makes it possible for the program according to the first embodiment to reliably prevent the upper limit from being exceeded again during the specified period after the transfer process (excess transfer) has been executed.

In the server 2 relating to embodiment 1, the deposit management unit 224 may prohibit deposits other than salary transfers into a salary account whose balance exceeds the upper limit for a certain period from the time the transfer execution unit processes the transfer, or for a certain period from the time the upper limit is exceeded, and may also prohibit deposits by salary transfer into a salary account whose balance exceeds the upper limit.
In this case, the program (overage response application) of embodiment 1 which causes a computer to function as server 2 can be executed by the computer to prohibit all deposits that would cause the upper limit to be exceeded during a specified period after the transfer process (overage transfer), thereby reliably preventing the upper limit from being exceeded again while allowing deposits that do not cause the upper limit to be exceeded.

In the server 2 according to embodiment 1, the transfer execution unit 223 may be configured to initiate the transfer process when a deposit is made into a salary account, but only for a certain period of time after the transfer process.
In this case, the program (overage response application) of embodiment 1 which causes a computer to function as server 2 is executed by the computer, so that if the upper limit is exceeded again within a specified period after the transfer process (overage transfer) is executed, the overage transfer can be executed promptly.

The server 2 according to the first embodiment may be equipped with an account setting processing unit 225 that receives a linking setting request requesting that a salary account be linked to an existing prepaid card, and links the existing prepaid card account with the salary account and stores the link in the memory unit.
In this case, the program (overage handling application) according to the first embodiment, which causes a computer to function as the server 2, can link the existing prepaid card account and the salary account by being executed by the computer. This allows the server 2 to link and manage the existing prepaid card account and the salary account, and the user A can use, for example, the user terminal 3 to manage both accounts together, for example, on one management screen.

The account setting processing unit 225 of the server 2 in embodiment 1 may, upon receiving a request to open a salary account, open a salary account and issue a salary account card linked to the salary account.
In this case, the program (overage application) according to the first embodiment, which causes a computer to function as the server 2, is executed by the computer to open a salary account linked to an existing prepaid card and to issue a salary account card linked to the salary account. This allows user A to use the existing prepaid card or salary account card as a payment method, and since both cards and both accounts are linked, as described below, regardless of which payment method is used, both accounts can be used flexibly, for example, when settling a commercial transaction, by giving priority to either of the two accounts.

In the server 2 relating to embodiment 1, the transfer execution unit 223 may execute a transfer of an amount (resolvable amount) capable of eliminating the excess over the upper limit to the alternative account when a transfer condition is met that the balance of the salary account is over the upper limit at a preset time.
In this case, the program (overage handling application) according to the first embodiment, which causes a computer to function as the server 2, can be executed by the computer to execute an overage transfer if the upper limit is exceeded at a preset time. Therefore, the program according to the first embodiment can handle cases where, for example, when a deposit into a salary account causes the upper limit to be exceeded, it is requested that an overage transfer be executed within a predetermined period (e.g., 24 hours) from that point on.

In the server 2 relating to embodiment 1, the transfer execution unit 223 may execute a transfer of an amount to an alternative account that can eliminate the excess of the upper limit when the transfer condition is met that the balance of the salary account is over the upper limit at a predetermined time on a day.
In this case, the program (overage response application) of embodiment 1 which causes a computer to function as server 2 is executed by the computer to check once a day whether the upper limit has been exceeded, and if the upper limit has been exceeded, an overage transfer can be performed.

In the server 2 relating to embodiment 1, the transfer execution unit 223 may execute a transfer of an amount to an alternative account that can eliminate the state of exceeding the upper limit when the transfer condition is met that the state of exceeding the upper limit continues for a preset time after the salary transfer is made.
In this case, the program (overage response application) of embodiment 1 which causes a computer to function as server 2 is executed by the computer so that, for example, when a deposit into a salary account causes the upper limit to be exceeded, and a request is made to execute an overage transfer within a specified period (e.g., 24 hours) from that point in time, if the preset time is less than the time based on the request, then even if the upper limit is exceeded for the longest period of time, the time will always be less than the preset time, and the request can be complied with.

The server 2 according to the first embodiment includes a payment request information acquisition unit 226 that acquires payment request information requesting payment from the store terminal 4, and a payment processing unit 227 that performs payment processing, giving priority to either an existing prepaid card account or a salary account, for the payment amount indicated in the payment request information.
In this case, the program (overage handling application) according to the first embodiment that causes a computer to function as the server 2 can be executed by the computer to prioritize payment processing from either the existing prepaid card account or the salary account when the existing prepaid card account and salary account are linked. This allows user A to flexibly use both accounts when settling commercial transactions.

The user terminal 3 in embodiment 1 is equipped with a display mode determination unit 321 that determines the display mode of the notification when it acquires display information sent from the server 2 managing the salary account for displaying a notification that a transfer of an amount sufficient to eliminate the excess of the upper limit in a predetermined alternative account will be made when it is determined that the balance of the salary account exceeds the upper limit due to a salary transfer to the salary account, and a display control unit 322 that displays the notification on the display screen based on the display mode.
Therefore, the program (display control application) of embodiment 1 which causes a computer to function as a user terminal 3 is executed by the computer and cooperates with the server 2 to provide technology for dealing with exceeding the upper limit set for a salary account used for digital salary payments and preventing any disruption to salary transfers, as well as technology for notifying users of digital salary payments of the possibility of a transfer in the event of an excess in a manner which is highly convenient for the user.

The server 2 that executes the program (excess handling application) according to the first embodiment can provide technology that handles the excess of the upper limit set for a salary account used for digital salary payment, and prevents any disruption to salary transfers.

The user terminal 3 executing the program (display control application) according to the first embodiment cooperates with the server 2 to provide technology for dealing with an excess of the upper limit set for a salary account used for digital salary payment and for preventing any disruption to salary transfers, and can also provide technology for notifying users of digital salary payment of the possibility of a transfer in the event of an excess in a manner that is highly convenient for the user.

The information processing system 1 according to the first embodiment includes the server 2 and the user terminal 3 as described above. This information processing system 1 provides technology for dealing with an excess of an upper limit set for a salary account used for digital salary payment and preventing a disruption in salary transfers, and can also provide technology for notifying users of digital salary payment of the possibility of a transfer in the event of an excess in a manner that is highly convenient for the users.

The information processing method according to the first embodiment includes step ST1 in which the excess determination unit 221 determines whether or not the balance of the salary account, which is an account used for digitally paying the salary, exceeds an upper limit when a salary is transferred to the salary account; step ST2 in which the display information generation unit 222, if it is determined that the upper limit is exceeded, generates display information for displaying a notification on a user terminal 3 used by the user of the salary account to manage the salary account that a transfer of an amount sufficient to resolve the upper limit exceeding state will be executed to a pre-set alternative account; and step ST3 in which the transfer execution unit 223, after the salary transfer has been executed, executes a transfer process of an amount sufficient to resolve the upper limit exceeding state to the alternative account if the upper limit exceeding state satisfies the transfer conditions.
As a result, the information processing method of embodiment 1 can provide technology that can deal with exceeding the upper limit set for a salary account used for digital salary payments, while preventing any disruption to salary transfers.

1 Information processing system, 2 Server, 3 User terminal, 4 Store terminal, 5 Network, 21, 31 Communication unit, 22, 32 Calculation unit, 23, 33 Storage unit, 34 Operation unit, 35 Display unit, 35A, 35B, 35C Screen, 100 Communication interface, 101 Input/output interface, 102 Processor, 103 Memory, 221 Excess determination unit, 222 Display information generation unit, 223 Transfer execution unit, 224 Deposit management unit, 225 Account setting processing unit, 226 Settlement request information acquisition unit, 227 Settlement processing unit, 321 Display mode determination unit, 322 Display control unit, 351, 352, 353, 354, 355, 356 Display column.

Claims (17)

Computer,
an excess determination unit that determines whether or not the balance of a salary account used for digital salary payment exceeds an upper limit when a salary is transferred to the salary account;
a display information generating unit that generates, when it is determined that the upper limit is exceeded, display information for displaying a notification to a user of the salary account on a user terminal used for managing the salary account, notifying the user that a transfer of an amount capable of eliminating the upper limit exceeding state will be executed to a preset alternative account, the notification including the timing of the transfer ;
and a transfer execution unit that executes a transfer process to the alternative account for an amount sufficient to resolve the excess of the upper limit if the excess satisfies a transfer condition after the salary transfer has been made. The computer,
The program according to claim 1, further comprising a deposit management unit that permits deposits into the salary account by salary transfer and prohibits deposits into the salary account by any method other than salary transfer. The computer,
the deposit management unit permits deposit of the salary by the salary transfer to the salary account only for a certain period from the time of the transfer processing by the transfer execution unit or only for a certain period from the time the upper limit is exceeded, and prohibits deposits by any method other than the salary transfer to the salary account;
The program according to claim 2, characterized in that it functions as the server. The computer,
The deposit management unit prohibits all deposits to the salary account for a certain period of time from the time the transfer execution unit processes the transfer, or for a certain period of time from the time the upper limit is exceeded.
The program according to claim 2, characterized in that it functions as the server. The computer,
the deposit management unit prohibits deposits by means other than the salary transfer into the salary account whose balance is in a state of exceeding the upper limit only for a certain period from the time of the transfer processing by the transfer execution unit or only for a certain period from the time the upper limit was exceeded, and prohibits deposits by the salary transfer into the salary account whose balance is in a state of exceeding the upper limit;
The program according to claim 2, characterized in that it functions as the server. The computer,
the transfer execution unit, when a deposit is made to the salary account, starts the transfer process upon the deposit only for a certain period from the time of the transfer process;
The program according to claim 1, characterized in that it functions as the server. The computer,
The program according to claim 1, further comprising an account setting processing unit that receives a linking setting request requesting that the salary account be linked to an existing prepaid card, and links the existing prepaid card account with the salary account and stores the link in a memory unit. The computer,
When the account setting processing unit receives a request to open the salary account, the account setting processing unit opens the salary account and issues a salary account card linked to the salary account.
Acting as the server;
8. The program according to claim 7 . The computer,
the transfer execution unit executes a transfer of an amount sufficient to eliminate the excess of the upper limit to the alternative account when the transfer condition that the balance of the salary account is in the excess of the upper limit at a preset time is satisfied;
The program according to claim 1, characterized in that it functions as the server. The computer,
the transfer execution unit executes a transfer to the alternative account in an amount sufficient to eliminate the excess of the upper limit when the transfer condition is satisfied that the balance of the salary account is in the excess of the upper limit at a preset time of one day;
The program according to claim 9, characterized in that it functions as the server. The computer,
the transfer execution unit executes a transfer of an amount capable of eliminating the excess of the upper limit to the alternative account when the transfer condition is satisfied that the excess of the upper limit continues for a preset time after the salary transfer is made;
The program according to claim 1, characterized in that it functions as the server. The computer,
Furthermore, a payment request information acquisition unit that acquires payment request information requesting payment from the store terminal;
The program according to claim 7, characterized in that the program functions as the server comprising: a payment processing unit that performs payment processing preferentially from either the existing prepaid card account or the salary account for the payment amount indicated by the payment request information. Computer,
A user terminal for a user of a salary account used for digital salary payment to manage the salary account,
a display mode determination unit which, when it is determined that the balance of the salary account exceeds an upper limit due to a salary transfer to the salary account, receives display information for displaying a notification that a transfer of an amount capable of resolving the excess amount to a preset alternative account will be executed, the notification including the timing at which the transfer will be executed , the display mode determination unit determining a display mode of the notification;
a display control unit that displays the notification on a display screen based on the display mode, A server that executes the program according to any one of claims 1 to 12. A user terminal that executes the program described in claim 13. A server according to claim 14;
An information processing system comprising: the user terminal according to claim 15. An information processing method executed by a server, comprising:
an excess determination unit determining whether or not the balance of a salary account used for digital salary payment exceeds an upper limit associated with a salary transfer to the salary account;
a display information generating unit, when it is determined that the upper limit is exceeded, generating display information for displaying, on a user terminal used by a user of the salary account to manage the salary account, a notification that a transfer of an amount sufficient to eliminate the upper limit exceeding state will be made to a preset alternative account, the notification including the timing at which the transfer will be made ;
a step of a transfer execution unit executing a transfer process to the alternative account for an amount sufficient to resolve the excess of the upper limit amount if the excess of the upper limit amount satisfies a transfer condition after the salary transfer is made.

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