JP6527833B2 - Salary settlement linkage system and salary settlement linkage method - Google Patents

Description

  The present invention relates to a payroll settlement linkage system and a payroll settlement linkage method, and more specifically, regardless of whether or not a service user holds a bank account for the service, payment or exchange services using payroll as a source fund It relates to technology that can be widely provided.

  In order to meet the financial needs of workers, there is a so-called payroll advance system in which funds are paid on the basis of the workers' salary etc. before the payback date.

  A conventional technology corresponding to such a scheme is, for example, a money payment system in a banking system for an employee to fund an in-house loan to a worker, and data of the date of funding from the worker Means for inputting labor data of the workers, and an in-bank processing means for accessing the account and executing withdrawal processing and transfer processing, wherein the funds are delivered to the workers' accounts Execute an internal loan fund transfer process of an arbitrary amount within the range of worker's salary according to the labor data on the day, and the amount equivalent to the internal loan fund for the account of the employee of the worker There has been proposed a monetary payment system (see Patent Document 1) and the like in a banking system characterized by including processing means for executing withdrawal processing.

Unexamined-Japanese-Patent No. 2004-265369

  In the conventional payroll advance system, each worker had to have a designated bank account by the employer or financial institution providing the service. That is, only those hired by a company or the like who introduced such a system could enjoy the service of payroll advance. The same applies to a scheme or the like in which payment for goods and services is settled using salary as a source of funds, and it can be enjoyed only by employers such as companies that have introduced the service.

  Therefore, an object of the present invention is to provide a technology capable of providing a wide range of payment-based settlement and currency exchange services regardless of whether the service user has the bank account for the service.

A payroll settlement cooperation system according to the present invention for solving the above problems comprises a communication device for communicating with another device via a network, and money paid to the member on the predetermined date based on the points corresponding to the money. A storage device storing a table defining an information processing apparatus for managing the payment status of the money to each affiliation member in each organization which permits use of a predetermined ratio before the date, and a store terminal Information on the organization to which the affiliation belongs, which receives a settlement request based on the points of the product / service fee to be sent, or a withdrawal request according to a predetermined point sent from a predetermined device, and is indicated by the settlement request or withdrawal request. A process of specifying an information processing apparatus that manages the payment status of the money in the belonging organization based on the table; A process of transmitting a credit request for the number of points corresponding to the processing amount spent request or withdrawal request is shown, when the result with respect to the credit request is indicative of the settlement accepted or dispensed friendly, for a given currency processing system And, in response to the settlement request or the withdrawal request, a process of notifying a request for transfer of an amount of money according to the number of points from the bank account of the organization to the store or the settlement account of the predetermined device And an arithmetic device for

Also, salary payment coordination method of the present invention, a communication apparatus for communicating via another device and the network, based on the money to be paid to their staff to a predetermined date, the predetermined ratio of the point where the affiliation members corresponding to the monetary An information processing system including a storage device storing a table defining an information processing apparatus for managing the payment status of the money to each affiliation member in each organization that permits use before the due date; Said affiliation member who receives a settlement request by points of the product / service fee transmitted from the store terminal or a withdrawal request corresponding to a predetermined point transmitted from the predetermined device, and the settlement request or withdrawal request indicates A process of specifying an information processing apparatus that manages the payment status of the money in the belonging organization in the table based on the information of the belonging organization of the information processing apparatus; Contrast, a process of transmitting a credit request for the number of points corresponding to the processing amount the payment request or withdrawal request is shown, when the result with respect to the credit request is indicative of the settlement accepted or dispensed Yes, a predetermined exchange process In response to the settlement request or the withdrawal request, the system is notified of a request for transfer of an amount of money according to the number of points from the bank account of the organization to the store or the settlement account of the predetermined device. And processing.

  According to the present invention, regardless of whether or not the service user has the bank account for the service, it is possible to provide a wide range of payment-based settlement and currency exchange services using a salary.

It is a network block diagram containing a payroll settlement cooperation system of this embodiment. It is a figure showing an example of hardware constitutions of a payroll settlement cooperation system in this embodiment. It is a figure showing the example of hardware constitutions of the attendance management system of this embodiment. It is a figure which shows the data structural example of the distribution destination management table of this embodiment. It is a figure which shows the data structural example of the attendance management table of this embodiment. It is a figure which shows the example 1 of a flow of the salary payment cooperation method in this embodiment. It is a figure which shows the example 2 of a flow of the salary payment cooperation method in this embodiment. It is a figure which shows the example 3 of a flow of the salary payment cooperation method in this embodiment.

--- Network configuration ---

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. FIG. 1 is a network configuration diagram including the payroll settlement collaboration system 100 of the present embodiment. The payroll settlement linkage system 100 shown in FIG. 1 is a computer system that can provide a wide range of payment and exchange services using a payroll as a source, regardless of whether or not the service user has the bank account for the service.

  Here, an employee who works for a certain company pays for shopping or using a service, withdraws at ATM, or transfers it to his / her bank account, up to a predetermined percentage of his / her monthly remuneration. It assumes the situation to pre-fund the necessary funds for various transactions. Naturally, the company in this case is allowed to make such advance.

  In addition, as advance available resources, based on the paid monthly amount, the amount corresponding to the number of days the employee actually worked (for example, 50% of the paid monthly amount if already working on the 10th of the month). The amount is a predetermined percentage (for example, 80%) of the amount. However, in actuality, the company uses a deposit pooled in advance in a predetermined bank account for the fund.

In the present embodiment, as described above, an explanation is given on the assumption that the employee receives a fixed monthly payment, but the payment handling system 100 regarding the advance handling in advance has a predetermined payment date. It is not limited as long as it exists. For example, working time-based remuneration paid to part-time workers, part-time jobs, etc., or public pensions paid to pensioners can be covered.

  The payroll settlement linkage system 100 in this embodiment is communicably connected to the shop terminal 200, the ATM 300, the user terminal 400, the attendance management system 500, the bank system 600, and the currency exchange processing system 700 via the network 10 such as the Internet. ing.

  Among them, the shop terminal 200 can be assumed to be a cashier terminal provided in a shop where the above-mentioned employee performs shopping or service utilization. The staff of the store operates the store terminal 200 at the time of the settlement procedure of the commodity price for shopping by the employee and the service fee.

  Further, the ATM 300 is a general ATM installed in a branch office or a convenience store of a financial institution.

  The user terminal 400 is a terminal operated by the above-mentioned employee. Specifically, a PC, a tablet terminal or a smartphone owned by an employee is assumed.

  In addition, the attendance management system 500 is a system that the above-mentioned company itself prepares, or a designated company that substitutes the attendance management work of each company. The attendance management system 500 uses the attendance management table 525 for information such as the number of working days and hours of each employee at the relevant company based on attendance and leaving time information from a time recorder, etc. to manage.

  Among the information managed here, the information on salary balance has an initial value that corresponds to the compensation monthly amount corresponding to the number of days worked by the employee (for example, 50% of the monthly remuneration if already working on the 10th of the month). The above-mentioned initial value is updated by deducting the amount of advance application, for each advance advance described above.

  Further, the bank system 600 is a system of a bank that associates the above-mentioned deposit with the company and deposits it with a predetermined account. As the said bank system 600, the core system in a financial institution is assumed.

In addition, the currency exchange processing system 700 pulls out the amount corresponding to the above-mentioned price settlement or withdrawal from the account in which the deposit of the above-mentioned company is deposited, and the account for settlement of the store concerned and the management company of the ATM 300 concerned. It is a system which realizes transfer of funds by transferring to the account for settlement, the bank account of the employee, and any of the target accounts. Of course, it is assumed that such an exchange processing system 700 has been previously approved by the financial institution that manages the company and the deposit account for the execution of each process of transfer of funds accompanied by withdrawal and transfer described above.
--- Hardware configuration ---

  The hardware configuration of the payroll settlement linkage system 100 is as follows. FIG. 2 is a diagram showing an example of the hardware configuration of the payroll settlement linkage system 100 in the present embodiment.

The payroll settlement cooperation system 100 is stored in a storage device 101 configured by an appropriate non-volatile storage element such as a solid state drive (SSD) or a hard disk drive, a memory 103 configured by a volatile storage element such as a RAM, and the storage device 101 The program 102 is read out to the memory 103 and executed to perform overall control of the device itself, as well as to the arithmetic device 104 such as a CPU that performs various determinations, calculations and control processing, and the network 10 to communicate with other devices A communication device 105 to be responsible.

  In addition to the program 102 for implementing the functions necessary for the payroll settlement cooperation system of this embodiment, the storage device 101 stores at least a distribution destination management table 125. However, the details of the distribution destination management table 125 will be described later.

  FIG. 3 is a diagram showing an example of the hardware configuration of the attendance management system 500 according to the present embodiment. The hardware configuration of the attendance management system 500 of this embodiment is as follows.

  That is, the attendance management system 500 includes a storage device 501 configured by an appropriate non-volatile storage element such as a solid state drive (SSD) or a hard disk drive, a memory 503 configured by a volatile storage element such as a RAM, and the storage device 501. The stored program 502 is read out to the memory 503 and executed to perform overall control of the device itself, as well as to an arithmetic device 504 such as a CPU that performs various determinations, calculations and control processing, and communication processing with other devices connected to the network 10 A communication device 505 responsible for

In addition to the program 502 for implementing the functions necessary as the attendance management system of the present embodiment, at least the attendance management table 525 is stored in the storage device 501. However, the details of the attendance management table 525 will be described later.
--- Data structure example ---

  Subsequently, tables used by the payroll settlement linkage system 100 of the present embodiment will be described. FIG. 4 shows an example of the distribution destination management table 125 in the present embodiment. The distribution destination management table 125 is based on each company in each company that allows the employee to use a predetermined percentage of the monthly remuneration before the payday based on the monthly remuneration to be paid to the employee on the monthly salary day. It is the table which specified the attendance management system 500 which manages the payment situation of the monthly remuneration to the employee.

  The data structure is a collection of records in which data such as the ID of the attendance management system 500 performing attendance management work of the company and the address on the network are associated by using the company ID uniquely identifying each company as a key. It is.

  In the case of a company that conducts attendance management work in-house, the ID of the attendance management system in the attendance management table 525 and its address are the ID given by the corporation to the attendance management system in the company system and the address in the internal network. Can be assumed. On the other hand, in the case of a company that outsources attendance management work to the agency, the ID of the attendance management system in the attendance management table 525 and its address are the ID given to the attendance management system by the agency and the external network such as the Internet. You can assume the address in

  FIG. 5 shows a configuration example of the attendance management table 525 in the present embodiment. The attendance management table 525 is a table held by the attendance management system 500, and is a table for accumulating attendance information of each employee in a company to be managed.

The data structure is based on the employee number uniquely identifying each employee, and the working hours of the current month, the number of working days of the current month, the remuneration monthly amount, and the current salary balance based on the attendance / stop time information etc. , Is a collection of records associated with data. The concept of salary balance has already been mentioned.
--- Flow example 1--

  Hereinafter, the actual procedure of the payroll settlement cooperation method in the present embodiment will be described based on the drawings. Various operations corresponding to the payroll settlement linkage method described below are realized by a program that the payroll settlement linkage system 100 reads out to a memory or the like and executes. The program is composed of code for performing various operations described below.

  FIG. 6 is a diagram showing a flow example 1 of the payroll settlement collaboration method in the present embodiment. Here, a flow will be described in the case where the above-mentioned employee purchases a product at a store, and proceeds to settle the payment from his / her salary balance.

  The store staff in this case performs a normal cash register operation such as reading of the barcode printed on the product package at the cash register terminal and the shop terminal 200. The store staff also performs, for example, an input operation of a company ID and an employee number of an employee ID card presented by the employee, along with such normal operations. Of course, the store staff may use the reader device provided in the store terminal 200 to read the company ID and the employee number related to the employee from the recording medium such as the IC chip or the magnetic code provided in the employee ID card.

  Through the operation of the store staff, the store terminal 200 acquires information on the price of the product purchased by the employee, the company ID of the company to which the employee belongs, and the employee number. The store terminal 200 transmits a settlement request including such information to the payroll settlement linkage system 100.

  In addition, the case where the above-mentioned settlement request is transmitted from the store terminal 200 to the payroll settlement cooperation system 100 via the system of a credit card company which is a payment agent can also be assumed. Further, it may be assumed that the shop terminal 200 is a web server of an online shop. In that case, there is no need for the store staff to input the above-mentioned information of the price of the product purchased by the employee, the company ID of the company to which the employee belongs, and the employee number. This is because, when the user terminal 400 logs in to the web server, information on the employee is automatically specified on the shop terminal 200 side. Similarly, information on the product price of a product purchased by an employee at an online shop can also be automatically acquired by the store terminal 200 serving as a web server by a purchase operation by the employee.

  On the other hand, the payroll settlement collaboration system 100 receives the settlement request from the above-mentioned store terminal 200 (s100).

  Next, the payroll settlement linkage system 100 is an attendance management system in charge of attendance management work in the corporation in the distribution destination management table 125 based on the corporation ID of the corporation to which the employee belongs, indicated by the settlement request. Identify 500 and its network address (s101).

  As described above, the attendance management system 500 may be operated either by the company itself or by an agent commissioned by the company. In any case, the payroll settlement linkage system 100 specifies the attendance management system 500 in charge of attendance management work of the company in the distribution destination management table 125.

  Subsequently, the payroll settlement linkage system 100 sends a credit request to the network address of the attendance management system 500 identified in s101, in order to determine whether the amount of the product price indicated by the settlement request can be settled by the employee's payroll advance. Send (s102). The credit request includes information on the employee number of the employee, the company ID, and the amount of the product payment.

On the other hand, the attendance management system 500 that has received the credit request reads the value of the salary balance in the attendance management table 525 held in the storage device 501, using the company ID and the employee number as a key (s103).

  Here, the attendance management system 500 which has acquired the information on the salary balance of the employee concerned, under the condition that the amount of the product price indicated by the above-mentioned settlement request is not more than a predetermined ratio such as 80% or less of the salary balance, ) (S104).

  The attendance management system 500 returns the credit result according to the result of s104 described above to the payroll settlement linkage system 100 (s105). If the amount of the product price does not satisfy the condition that it is equal to or less than a predetermined percentage of the salary balance, the credit result is "settlement impossible". When the amount of the product price satisfies the condition of the predetermined percentage or less of the salary balance, the credit result is "settled".

  The attendance management system 500 updates the salary balance of the employee in the attendance management table 525 by the amount of the commodity price when the credit result is “settlement acceptable”. Shall be

  The payroll settlement linkage system 100 receives the credit result from the attendance management system 500 (s106). Further, when the received credit result (primary) indicates that the settlement is possible (s 107: y), the payroll settlement cooperation system 100 sends the deposit account of the deposit company of the company to the deposit account of the deposit account. Inquire the balance of (s108).

  Further, the payroll settlement linkage system 100 performs credit processing (secondary) in response to the above-mentioned inquiry (s109). In this case, the payroll settlement cooperation system 100 satisfies the condition that the deposit balance is equal to or more than a predetermined standard (for example, the minimum deposit amount of deposit) when the deposit balance of the company is used for the amount of the product price. It shall be judged.

  If the result of the credit processing (secondary) indicates that settlement is possible (s110: y), the payroll settlement collaboration system 100 advances the processing to s111.

  On the other hand, if the result of the credit processing (secondary) described above indicates that payment is not possible (s110: n), the payroll settlement linkage system 100 ends the processing.

  Subsequently, the payroll settlement linkage system 100 notifies the currency exchange processing system 700 of a fund transfer request (s111), and ends the processing. This fund transfer request is a request for fund transfer for the amount of the above-mentioned commodity price from the deposit account of the company to the account for settlement of the credit card company which is the store or the settlement agent.

  On the other hand, the currency exchange processing system 700 performs accounting processing for drawing out the amount of the above-mentioned commodity price from the deposit account to the bank system 600 that manages the deposit account, and the store or settlement agent for the withdrawn amount. It will request account processing to be transferred to the settlement account of the credit card company, which is a trader. As a result, the settlement of the commodity price is completed using the deposit funded by the employee's salary balance as the collateral.

In this embodiment, the inquiry processing of s108 is performed by the payroll settlement linkage system 100 after s107, but may be executed by the attendance management system 500 after s103. In this case, the attendance management system 500 collectively performs credit processing in s104. In other words, a combination of primary and secondary credit is executed.
--- Flow example 2--

FIG. 7 is a diagram showing a flow example 2 of the payroll settlement cooperation method according to the present embodiment. Here, when the above-mentioned employee pays out cash at ATM 300, the flow in the case of pre-borrowing the amount from his / her salary balance will be described.

  The employee in this case performs an operation of designating that the withdrawal of the predetermined amount is to be performed based on the advance of salary on the predetermined menu screen of the ATM 300. In addition to this operation, the employee also performs an input operation of the company ID and the employee number of the company to which he / she belongs. Of course, the employee may bring the employee ID card close to the reader device provided in the ATM 300, and read the company ID and the employee number for the employee from the recording medium such as the IC chip or the magnetic code provided for the employee ID card. .

  By such an operation of the employee, the ATM 300 acquires information of the amount of withdrawal desired by the employee, the company ID of the company to which the employee belongs, and the employee number. The ATM 300 transmits a withdrawal request including such information to the payroll settlement linkage system 100.

  In this case, the payroll settlement linkage system 100 receives the withdrawal request from the above-mentioned ATM 300 (s200).

  Next, based on the company ID of the company to which the employee belongs, indicated by the withdrawal request, the payroll settlement linkage system 100 performs attendance management in the company in the distribution destination management table 125. The system 500 and its network address are identified (s201).

  As described above, the attendance management system 500 may be operated either by the company itself or by an agent commissioned by the company. In any case, the payroll settlement linkage system 100 specifies the attendance management system 500 in charge of attendance management work of the company in the distribution destination management table 125.

  Subsequently, the payroll settlement linkage system 100 transmits a credit request to the network address of the attendance management system 500 identified in s201 to determine whether the amount indicated by the withdrawal request can be withdrawn by the employee's payroll advance. (S202). This credit request contains information on the employee number of the employee, the company ID, and the amount of withdrawal.

  On the other hand, the attendance management system 500 that has received the credit request reads the value of the salary balance in the attendance management table 525 held in the storage device 501, using the company ID and the employee number as a key (s203).

  Here, the attendance management system 500 which has acquired the information on the salary balance of the employee concerned, the credit processing (primary) under the condition that the withdrawal amount indicated by the above withdrawal request is not more than a predetermined ratio such as 80% or less of the salary balance. (S204).

  The attendance management system 500 returns the credit result according to the result of s204 described above to the payroll settlement linkage system 100 (s205). If the withdrawal amount does not satisfy the condition of the predetermined percentage or less of the payroll balance, the credit result is "withdrawal impossible". If the withdrawal amount satisfies the condition of the predetermined percentage or less of the payroll balance, the credit result is "withdrawable".

  The attendance management system 500 performs an update process to reduce the value of the salary balance of the employee in the attendance management table 525 by the above-mentioned withdrawal amount when the credit result described above is “withdrawable”. Assumed to be performed.

The payroll settlement linkage system 100 receives the credit result from the attendance management system 500 (s
206). Further, when the received credit result (primary) indicates that the withdrawal is possible (s207: y), the payroll settlement cooperation system 100 sends the deposit to the bank system 600 that deposits the deposit of the company. The balance of the account is inquired (s208).

  Further, the payroll settlement linkage system 100 performs credit processing (secondary) in response to the above-mentioned inquiry (s209). In this case, the payroll settlement linkage system 100 determines whether the deposit balance satisfies the condition of the predetermined standard or more (e.g., the minimum deposit amount or more of deposit) when the deposit amount is used for the deposit balance of the company. It shall judge.

  If the result of the credit processing (secondary) indicates that settlement is possible (s210: y), the payroll settlement collaboration system 100 advances the processing to s211.

  On the other hand, if the result of the credit processing (secondary) described above indicates that payment is not possible (s210: n), the payroll settlement linkage system 100 ends the processing.

  Subsequently, the payroll settlement linkage system 100 notifies the currency exchange processing system 700 of a fund transfer request (s211), and ends the processing. This fund transfer request is a request for transfer of funds from the deposit account of the company to the account for settlement of the operating company of the ATM 300 as described above.

  On the other hand, the currency exchange processing system 700 performs an accounting process for drawing out the above-mentioned withdrawal amount from the deposit account to the bank system 600 that manages the deposit account, and settles the withdrawn amount for the operating company of the ATM 300. It will request the account processing to be transferred to the account for each. As a result, the withdrawal processing at the ATM 300 is completed using the deposit funded by the employee's salary balance as the collateral.

  In the present embodiment, the inquiry processing of s208 is performed by the payroll settlement linkage system 100 after s207, but may be performed by the attendance management system 500 after s203. In this case, the attendance management system 500 collectively performs credit processing in s204. In other words, a combination of primary and secondary credit is executed.

  Further, the withdrawal request described above may be transmitted from the user terminal 400 to the payroll settlement linkage system 100 instead of the ATM 300. In this case, not the withdrawal of cash at the ATM 300 but the transfer of the employee to a predetermined bank account is regarded as withdrawal.

  Therefore, the fund transfer request that the payroll settlement cooperation system 100 notifies the currency exchange processing system 700 at s211 is a request for fund transfer for the above withdrawal amount from the deposit account of the company to the bank account of the employee. Become.

In this case, the currency exchange processing system 700 performs, with respect to the bank system 600 that manages the deposit account, an account process for drawing out the above-mentioned withdrawal amount from the deposit account and a bank account of the employee for the withdrawn amount. Will be required to process each account to be transferred to As a result, the withdrawal processing of the employee to the bank account is completed, using the deposit funded by the employee's salary balance as the collateral.
--- Flow example 3--

  FIG. 8 is a diagram showing a flow example 3 of the payroll settlement cooperation method according to the present embodiment. Here, a flow in the case where the above-mentioned employee performs the settlement process of the commodity price as an example among the settlement of the commodity price by the points and the withdrawal at the ATM 300 will be described.

  In this case, the payroll settlement linkage system 100 sets a predetermined percentage of the points corresponding to the monthly remuneration to the employee according to the monthly remuneration paid by the company to the employee on the predetermined date as the distribution destination management table 125 A table should be stored that defines an attendance management system that manages the payment status of monthly remuneration to each employee in the company of each company that is permitted to use.

  In addition, it is assumed that an employee purchases a product at a store and wishes to settle the payment at points corresponding to his / her salary balance. The store staff in this case performs a normal cash register operation such as reading of the barcode printed on the product package at the cash register terminal and the shop terminal 200. The store staff also performs, for example, an input operation of a company ID and an employee number of an employee ID card presented by the employee, along with such normal operations. Of course, the store staff may use the reader device provided in the store terminal 200 to read the company ID and the employee number related to the employee from the recording medium such as the IC chip or the magnetic code provided in the employee ID card.

  Through the operation of the store staff, the store terminal 200 acquires information on the price of the product purchased by the employee, the company ID of the company to which the employee belongs, and the employee number. The store terminal 200 transmits a point settlement request including such information to the payroll settlement linkage system 100. In addition, the case where the above-mentioned point settlement request | requirement is transmitted to the salary payment cooperation system 100 via the system of a credit card company which is a payment agency trader from the shop terminal 200 can also be assumed.

  On the other hand, the payroll settlement collaboration system 100 receives the point settlement request from the store terminal 200 described above (s300).

  Next, based on the company ID of the company to which the employee belongs, indicated by the point settlement request, the payroll settlement linkage system 100 performs attendance management in the company according to the distribution destination management table 125. The system 500 and its network address are identified (s301).

  As described above, the attendance management system 500 may be operated either by the company itself or by an agent commissioned by the company. In any case, the payroll settlement linkage system 100 specifies the attendance management system 500 in charge of attendance management work of the company in the distribution destination management table 125.

  Subsequently, the payroll settlement linkage system 100 addresses the network address of the attendance management system 500 identified in s301, the number of points corresponding to the amount of the commodity price indicated by the settlement request by the points according to the salary balance of the employee A credit request is sent to determine whether settlement is possible (s302). The credit request includes information on the employee number of the employee, the company ID, and the number of points according to the product price.

  On the other hand, the attendance management system 500 that has received the credit request, in the attendance management table 525 held in the storage device 501, the value of points corresponding to the salary balance, that is, the salary point balance Read (s303).

  Here, the attendance management system 500 that has acquired the information on the salary point balance of the employee, the number of points according to the amount of the commodity price indicated by the above-mentioned settlement request is a predetermined number such as 80% or less of the employee's salary point balance Credit processing (primary) is performed under the condition that the ratio is equal to or less than (s304).

The attendance management system 500 returns the credit result according to the result of s304 described above to the payroll settlement linkage system 100 (s305). If the number of points according to the value of the commodity price does not satisfy the condition of the predetermined percentage or less of the salary point balance, the credit result is "settlement impossible". When the number of points according to the value of the commodity price satisfies the condition of the predetermined percentage or less of the salary point balance, the credit result is “settlement acceptable”.

  The attendance management system 500 determines the value of the employee's salary point balance in the attendance management table 525 when the credit result described above is “settlement acceptable”, the number of points according to the amount of the commodity price described above. It is assumed that update processing is performed to reduce the number of minutes.

  The payroll settlement linkage system 100 receives the credit result from the attendance management system 500 (s306). Further, when the received credit result indicates that settlement is possible (s307: y), the payroll settlement collaboration system 100 sends the balance of the deposit account to the bank system 600 that has deposited the deposit of the company. It inquires (s308).

  In addition, the payroll settlement linkage system 100 performs credit processing (secondary) in response to the above-mentioned inquiry (s309). In this case, the payroll settlement cooperation system 100 allocates the deposit balance of the company to the amount obtained by converting the number of points according to the amount of the product price to the monetary value (for example: converted as 1 yen / point). It shall be judged whether the deposit balance satisfies the condition of the predetermined standard or more (eg, the minimum standard value of the deposit or more).

  When the result of the credit processing (secondary) indicates that settlement is possible (s310: y), the payroll settlement collaboration system 100 advances the processing to s311.

  On the other hand, if the result of the credit processing (secondary) described above indicates that payment is not possible (s310: n), the payroll settlement linkage system 100 ends the processing.

  Subsequently, the payroll settlement linkage system 100 notifies the currency exchange processing system 700 of a fund transfer request (s311), and ends the processing. This fund transfer request is a request for fund transfer for the amount of the above-mentioned commodity price from the deposit account of the company to the account for settlement of the credit card company which is the store or the settlement agent.

  On the other hand, the currency exchange processing system 700 performs accounting processing for drawing out the amount of the above-mentioned commodity price from the deposit account to the bank system 600 that manages the deposit account, and the store or settlement agent for the withdrawn amount. It will request account processing to be transferred to the settlement account of the credit card company, which is a trader. As a result, the settlement of the commodity price is completed using the deposit funded by the employee's salary balance as the collateral.

  In the present embodiment, the inquiry processing of s308 is performed by the payroll settlement linkage system 100 after s307, but may be performed by the attendance management system 500 after s303. In this case, the attendance management system 500 collectively performs credit processing in s304. In other words, a combination of primary and secondary credit is executed.

  As mentioned above, although the best mode etc. for carrying out the present invention were concretely explained, the present invention is not limited to this, and can be variously changed in the range which does not deviate from the gist.

  According to the present embodiment, regardless of whether the service user holds the bank account for the service, it is possible to provide a wide range of payment and exchange services using a salary as a source of funds.

At least the following matters will be made clear by the description of the present specification. That is, in the payroll settlement cooperation system of the present embodiment, the computing device transmits, as the credit request, information including information on the belonging member and the processing amount, and as a result of the credit request, the processing amount is the same. The balance of the deposit when the organization applies the deposit deposited in the bank account for the transfer of funds in preparation for the transfer of funds to the processed amount is equal to or less than a predetermined percentage of the payment amount of the money decided at present If it is above the standard and indicates that payment is possible or payment is possible, the predetermined money transfer processing system may be notified of the transfer request.

  According to this, among the monthly salary, a company employee or the like uses the amount according to the number of working days as a source of funds, and uses a predetermined percentage of the source for the use before the pay date (settlement of products, etc. According to the credit standard that uses as a rule the payment amount that can be paid and that is equal to or less than the predetermined amount of the deposit deposited by the company, the above-mentioned examination of the settlement or withdrawal for the employee It becomes possible. Conventionally, the result of this credit only relates to whether or not the employee could borrow before pay, but in the present embodiment, the credit result regarding payment for goods or services at the store is made by the employee. It can also be. That is, regardless of whether or not the service user has the bank account for the service, it is possible to provide a wide range of payment and exchange services using payroll as the source.

  Further, in the payroll settlement cooperation system according to the present invention, the storage device, as the table, based on the money to be paid to the member on a predetermined date, the predetermined percentage of the points corresponding to the money A table defining an information processing apparatus for managing the payment status of the money to each affiliation member in each organization, which is permitted to use, is stored, and the arithmetic unit is configured to At the time of processing for specifying the settlement request by points of goods and service charges transmitted from the shop terminal or a withdrawal request corresponding to predetermined points transmitted from a predetermined device in the process of specifying, and transmitting the credit request Sending a credit request regarding the number of points corresponding to the processing amount indicated by the settlement request or withdrawal request to the specified information processing apparatus And, in the process of notifying the request for transfer of funds, if the result for the credit request regarding the number of points indicates that payment is possible or payment is possible, the payment request or withdrawal request to the predetermined currency exchange processing system In response to the above, the notification of the request for the fund transfer of the amount according to the number of points may be executed.

  According to this, it becomes possible to cope not only with money itself but also with a form in which points obtained by converting money at a predetermined rate are used for payment and withdrawal. As a result, regardless of whether or not the service user has the bank account for the service, it is possible to provide a wider range of payment-based settlement and currency exchange services.

  Further, in the payroll settlement cooperation method of the present invention, the information processing system transmits, as the credit request, information including the information of the affiliation staff and the processing amount, and as a result of the credit request, the processing amount is the same. The balance of the deposit when the organization applies the deposit deposited in the bank account for the transfer of funds in preparation for the transfer of funds to the processed amount is equal to or less than a predetermined percentage of the payment amount of the money decided at present If it is above the standard and indicates that payment is possible or payment is possible, the above-mentioned money transfer request may be notified to a predetermined exchange processing system.

Further, in the payroll settlement cooperation method of the present invention, the information processing system, in the storage device, as the table, based on the money to be paid to the member on a predetermined date, the member belonging corresponds to the predetermined points corresponding to the money. A table defining an information processing apparatus for managing the payment status of the money to each affiliation member in each organization in which the ratio is allowed to be used before the date is stored, and the information processing apparatus is specified. At the time of processing, in the process of transmitting the credit request, the payment request according to the points of the product / service fee transmitted from the store terminal or the withdrawal request according to the predetermined points transmitted from the predetermined device is received. A credit request regarding the number of points corresponding to the processing amount indicated by the settlement request or withdrawal request is transmitted to the identified information processing apparatus. In the process of notifying the request for transfer of funds, if the result of the credit request regarding the number of points indicates that settlement or withdrawal is possible, the settlement request or withdrawal request to the predetermined currency exchange processing system Correspondingly, notification of the request for transfer of funds in an amount corresponding to the number of points may be executed.

DESCRIPTION OF SYMBOLS 10 Network 100 payroll settlement cooperation system 101 Storage device 102 Program 103 Memory 104 Arithmetic unit 105 Communication device 125 Distribution destination management table 200 Store terminal 300 ATM
400 user terminal 500 attendance management system 501 storage device 502 program 503 memory 504 arithmetic unit 505 communication device 525 attendance management table 600 bank system 700 exchange processing system

Claims (4)

A communication device that communicates with other devices via a network;
The money to each affiliation member in the organization concerned of each organization which allows the affiliation member to use the predetermined ratio of the points corresponding to the money before the due date based on the money to be paid to the affiliation member on the predetermined date A storage device storing a table that defines an information processing apparatus that manages the payment status of
The affiliation member who receives the settlement request according to the points of the product / service fee transmitted from the store terminal or the withdrawal request according to the predetermined point transmitted from the predetermined device, and the affiliation member indicated by the settlement request or the withdrawal request indicates based on the information of the tissue, a process of specifying an information processing apparatus for managing payment status of the monetary in the organization at the table, to the information processing apparatus, the processing amount the payment request or withdrawal request is shown Processing for transmitting a credit request regarding the corresponding number of points, and when the result for the credit request indicates that settlement or withdrawal is possible, corresponds to the settlement request or withdrawal request for a predetermined currency exchange processing system to, notified of the request for transfer of funds amount of money corresponding to the number of points from the bank account of the organization to the store or settlement for the account of the predetermined apparatus An arithmetic unit for executing that process,
Salary settlement cooperation system characterized by including. The arithmetic device is
Information including the information of the affiliation and the processing amount is transmitted as the credit request, and the result of the credit request is less than or equal to a predetermined percentage of the payment amount of the money that the processing amount is currently determined by the affiliation. And, when the organization applies the deposit deposited in the bank account in preparation for the fund transfer to the processed amount, the deposit balance is equal to or higher than a predetermined standard, indicating that settlement is possible or withdrawal is possible. In this case, the money transfer request is notified to a predetermined exchange processing system.
The payroll settlement cooperation system according to claim 1 characterized by things. Based on a communication device communicating with another device via a network and money to be paid to the member on a predetermined date, the member may allow the predetermined percentage of points corresponding to the money to be used before the date An information processing system comprising: a storage device storing a table defining an information processing device that manages the payment status of the money to each affiliation member in the organization;
The affiliation member who receives the settlement request according to the points of the product / service fee transmitted from the store terminal or the withdrawal request according to the predetermined point transmitted from the predetermined device, and the affiliation member indicated by the settlement request or the withdrawal request indicates A process of specifying an information processing apparatus that manages the payment status of the money in the belonging organization in the table based on the information of the organization;
A process of transmitting, to the information processing apparatus, a credit request related to the number of points corresponding to the processing amount indicated by the settlement request or withdrawal request;
If the result for the credit request indicates that the settlement or withdrawal is possible, the store or the bank account from the bank account of the organization in response to the settlement request or the withdrawal request for a predetermined exchange processing system. A process of notifying a request for transfer of money according to the number of points to a settlement account of a predetermined device;
Salary settlement cooperation method characterized by performing. The information processing system
Information including the information of the affiliation and the processing amount is transmitted as the credit request, and the result of the credit request is less than or equal to a predetermined percentage of the payment amount of the money that the processing amount is currently determined by the affiliation. And, when the organization applies the deposit deposited in the bank account in preparation for the fund transfer to the processed amount, the deposit balance is equal to or higher than a predetermined standard, indicating that settlement is possible or withdrawal is possible. In the case where the money transfer request is notified to a predetermined exchange processing system,
The salary settlement cooperation method according to claim 3 characterized by things.

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