JP2019050006A - Compensation management device, method, and computer program - Google Patents

Abstract

To prevent unpaid compensation and deduction, etc. by securing work credit of a worker, to reduce cost required for paying, and to prevent illegal act by clarifying basis and process of payment of compensation, etc.SOLUTION: A compensation management device 1, when receiving acknowledgement to compensation of a worker from a compensation payer terminal 22, secures net proceed of the worker by associating virtual currency corresponding to the net proceed, out of the compensation corresponding to work credit which the worker has acquired, with a virtual account of the worker from a virtual account of a compensation payer, by referring to virtual account information DB1E and compensation information DB1D by a securing processing unit 12. Further, the securing processing unit 12 refers to the virtual account information DB1E and the compensation information DB1D, and associates the virtual currency corresponding to deduction, out of the compensation corresponding to the work credit which the worker has acquired, with the virtual account of the manager from the virtual account of the compensation payer, and registers to the virtual account information DB1E as payment-scheduled deduction, thereby securing the deduction of the worker.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a technique for securing a salary based on labor receivables of a worker and managing the secured salary.

Recently, in developing countries, we have stopped issuing high-priced bills and bills that are hotbeds such as tax evasion, bribery, robbery, money laundering, etc., and mobile money that can be used for settlement and remittance in digital currency using mobile terminals. Mobile banks that can deposit, transfer and withdraw money using mobile money are rapidly increasing.
However, mobile payments and remittances using mobile devices are mostly prepaid prepaid, and are rarely used for postpaid payments that trade with credit.

  Although settlement using cash in place is completed on the spot, there are overwhelmingly many cases where the sales price based on business transaction and labor receivables is not immediately paid to the seller or the worker. And the fact is that workers have no choice but to trust that sellers and employers pay on settlement and payday. In such a situation, the seller and the worker bear the uncollected transaction price and the unpaid salary.

Unexamined-Japanese-Patent No. 2016-110582 JP, 2016-126793, A

  In recent years, there has been a growing demand for a system that can prevent unpaid and unpaid deduction expenses such as salaries and social insurance based on labor receivables of workers, and there is a growing demand for a system that can prevent fraudulent exchange of money. System could not be provided.

Therefore, the object of the present invention is to ensure the labor receivables of workers, prevent unpaid or unpaid salary and deduction expenses, etc., and reduce the cost required for payment and payment.
In addition, it aims to prevent fraud by clarifying the basis and process of payment such as salary and payment.

  In order to achieve the above object, a payroll management apparatus according to one aspect of the present invention is configured to be communicable with a payer terminal used by a payer, via a network, and the virtual payroller holds Among the currencies, a device that secures as a salary the virtual currency according to the labor receivables of the workers who receive the salary payment from the above-mentioned payer, the manager who manages the salary based on the labor receivables, the above-mentioned payer, And virtual account information storage means storing information related to the virtual account in which the virtual currency held by each worker is deposited, attendance information storage means storing the attendance information of the worker, and the attendance information. The above-mentioned salary calculation means which calculates the amount of salary according to the labor receivable which the above-mentioned worker acquired, the salary information storage means which memorizes the amount of salary according to the labor receivable which the above-mentioned worker acquired, Approval request transmission means for transmitting an approval request for the salary to the payer terminal, approval reception means for receiving an approval for the salary by the salary payer from the salary payer terminal, and the virtual account information storage means And referring to the above-mentioned salary information storage means, the virtual currency equivalent to the amount taken by the worker among the salaries according to the labor receivables acquired by the worker from the virtual account of the payer With reference to the first securing processing means for securing the above-mentioned worker's hand-over amount by associating with the virtual account, the above-mentioned virtual account information storage means and the above-mentioned salary information storage means, Among the paid salaries, the virtual currency equivalent to the deduction cost of the worker is associated with the virtual account of the payer from the virtual account of the payer to the virtual account of the manager, and the virtual account information storage means By registering as a biasing expected net costs, having a second securing processing means to secure the net cost of the workers.

  In addition, the virtual currency referred to here means “don't care to the unspecified person for the payment of the price when purchasing or borrowing an item or receiving a service” regardless of the name such as digital currency. It is a property value that can be used against and can be purchased and sold against an unspecified person, and can be transferred using an electronic information processing organization or “unspecified” Property value that can be exchanged with each other as a counterpart and that can be transferred using an electronic information processing organization "(the legal definition of fund settlement), bitcoin, etc. Including.

  In addition, it further comprises an attendance management device for managing the attendance information of the worker, and attendance information receiving means configured to be communicable via the network and receiving the attendance information of the worker from the attendance management device. It may be

  Further, a worker terminal used by a worker who receives payment from the payer, and communication via the network are configured, and the worker terminal is within the range of the labor receivables held by the worker. The apparatus may further include a securing process request receiving unit that receives a securing process request for a salary.

  Further, it is configured to be communicable via a network with a store terminal installed in a store where the worker purchases a product, and receives a payment processing request for the price of the product purchased by the worker from the store terminal With reference to the payment processing request receiving means to perform and the virtual account information storage means, the virtual account of the manager among the virtual currency associated with the virtual account of the worker is equivalent to the price of the product The information processing apparatus may further include third securing processing means for securing the price of the product by associating with the T.3.

  Further, according to the settlement processing request, the judgment processing means for judging whether or not the payment for the product can be settled based on the virtual currency associated with the worker's virtual account with reference to the virtual account information storage means , And the third securing processing means refers to the virtual account information storing means when the payment for the product can be settled, and the virtual securing information is associated with the virtual account of the worker Among the currencies, the amount corresponding to the price of the product may be associated with the virtual account of the manager and registered as the scheduled payment, thereby securing the price of the product.

  Further, the third securing processing means may separately register the virtual currency to be registered as the scheduled payment as tax withdrawal and taxes.

  In addition, it is possible to further include a first payment processing means for associating the tax withdrawal amount of the product with the virtual account of the manager from the virtual account of the manager at a predetermined date.

  In addition, second payment processing means may be further included which associates the tax of the product with the virtual account of the administrative organization that collects the tax of the product from the virtual account of the manager on a predetermined date.

  In addition, a third payment processing unit may be further included that associates the above deduction cost with the virtual account of the administrative organization that collects the deduction cost from the virtual account of the manager on a predetermined date.

  Moreover, it is comprised so that communication is possible via a network with the shop terminal installed in the shop where the said worker purchases goods, the immediate settlement terminal which performs immediate settlement of the price based on the purchase of the said goods, and said immediate settlement The prompt settlement processing request receiving unit for receiving a withdrawal processing request for the product purchased by the worker from the terminal, and the virtual account information storage unit with reference to the virtual account information storage unit, the payment for the product from the virtual account of the worker A first debit processing means for deducting a virtual currency corresponding to a debit processing, and a debit processing completion notification transmitting means for transmitting a notification to the effect that the debit for the virtual currency You may have.

  In addition, the card manager terminal installed under the card manager who holds the above-mentioned workers and manages prepaid cards usable for payment processing, and the financial institution which manages the account of the card manager A remittance request of a predetermined amount is received from a card manager terminal that is configured to be communicable with a financial institution terminal via a network and receives a charge request for a predetermined charge amount from a worker to a prepaid card A second withdrawal processing means for deducting a virtual currency equivalent to the predetermined charge amount from the virtual account of the worker with reference to the remittance request receiving means, the virtual account information storage means, and the financial institution terminal A remittance request transmitting means for transmitting a remittance request of the withdrawn virtual currency to the account of the card manager, and the predetermined for the card administrator terminal And transmitting the processing result transmitting means for transmitting the remittance processing result of the virtual currency corresponding to the charge amount may be as further having.

  A payroll management apparatus according to another aspect of the present invention is configured to be communicable with a payer terminal used by a payer, via a network, and among the virtual currency held by the payer, An apparatus for securing a virtual currency as salary according to labor receivables of a worker who receives a salary from a payer, the manager who manages salary based on labor receivable, and the virtual owned by the above-mentioned payer According to a virtual account information storage unit storing information related to a virtual account for which a currency has been deposited, an attendance information storage unit storing the attendance information of the worker, and a labor receivable acquired by the worker based on the attendance information The payroll calculation means for calculating the amount of the paid salary, the payroll information storage means for storing the amount of the paid salary according to the labor receivable by the worker, and An approval request transmitting unit for transmitting an approval request, an approval receiving unit for receiving an approval for the payroll by the payer from the payer terminal, the virtual account information storage means, and the pay information storage means And associating the virtual currency equivalent to the amount taken by the worker among the pay according to the labor receivables obtained by the worker by associating the virtual account of the payer with the virtual account of the manager. Among the salaries according to the labor receivables acquired by the worker with reference to the first securing processing means for securing the amount of the workers' handed amount, the virtual account information storing means and the salary information storing means, the labor Deduction of the above workers by associating the virtual currency equivalent to the deduction expenses of the person from the above-mentioned payroller's virtual account to the above manager's virtual account, and registering it as the scheduled deduction for payment Having a second securing processing means to secure.

  In addition, it further comprises an attendance management device for managing the attendance information of the worker, and attendance information receiving means configured to be communicable via the network and receiving the attendance information of the worker from the attendance management device. It may be

  Further, a worker terminal used by a worker who receives payment from the payer, and communication via the network are configured, and the worker terminal is within the range of the labor receivables held by the worker. The apparatus may further include a securing process request receiving unit that receives a securing process request for a salary.

  In addition, referring to the remittance instruction receiving means for receiving remittance instructions of a predetermined amount of virtual currency from the worker terminal and the virtual account information storage means, in the virtual account of the manager, the amount taken by the worker And a remittance processing means for associating the virtual currency of the predetermined amount with the virtual account of the worker among the virtual currencies associated with each other.

  In addition, it is configured to be communicable via a network with a store terminal installed in a store where the worker purchases a product, and the manager pays for the price of the product purchased by the worker from the store terminal. A first settlement processing request receiving unit for receiving a settlement processing request based on a virtual currency associated with a virtual account, or a settlement processing request based on a virtual currency associated with the worker's virtual account; When the payment processing request based on the virtual currency associated with the virtual account of the virtual account is received, the virtual account information storage means is referred to, and the virtual account of the manager is associated as the hand-over amount of the worker And third securing processing means for securing the price of the product by registering, as a scheduled payment, a portion corresponding to the price of the product among the virtual currency When a payment processing request based on the virtual currency associated with the worker's virtual account is received, the virtual account information storage means is referred to, and virtual currency among the virtual currency associated with the worker's virtual account is referred to The fourth securing processing means for securing the price of the product by associating the amount corresponding to the price of the product with the virtual account of the manager and registering it as the scheduled payment, Good.

  Further, the third securing processing means and the fourth securing processing means may separately register the virtual currency to be registered as the scheduled payment as tax withdrawal payment and scheduled payment tax.

  Further, in response to a payment processing request based on a virtual currency associated with the virtual account of the manager, the virtual account information storage unit is referred to, and the virtual account of the manager is used as the virtual currency of the worker First judgment processing means for judging whether or not the price of the product is to be settled, based on the virtual currency which is not registered as the scheduled payment, the scheduled deduction expense, or the scheduled tax among the associated virtual currency; When the settlement process request based on the virtual currency associated with the worker's virtual account is received, it is determined whether the payment for the product can be settled based on the virtual currency associated with the worker's virtual account The apparatus further comprises a second determination processing unit, and the third securing processing unit refers to the virtual account information storage unit when settlement of the price of the product is possible. In the virtual account of the manager, the amount corresponding to the price of the item is registered as the scheduled payment among the virtual currency associated as the hand-over amount of the worker, thereby securing the price of the item, The fourth securing processing means refers to the virtual account information storage means when it is possible to settle the payment for the product, and the virtual currency associated with the virtual account of the worker refers to the commodity The amount of the product may be secured by associating the amount corresponding to the amount with the virtual account of the manager and registering it as a scheduled payment amount.

  In addition, it is possible to further include a first payment processing means for associating the tax withdrawal amount of the product with the virtual account of the manager from the virtual account of the manager at a predetermined date.

  In addition, second payment processing means may be further included which associates the tax of the product with the virtual account of the administrative organization that collects the tax of the product from the virtual account of the manager on a predetermined date.

  Further, with reference to the above virtual account information storage means at a predetermined payment date, of the virtual currency pertaining to the salary according to the labor receivables obtained by the worker, the scheduled payment amount, the scheduled payment deduction cost, or the payment schedule The system may further comprise a third payment processing means for paying a salary to the worker by associating a portion not registered as a tax with the virtual account of the worker.

  In addition, a fourth payment processing unit may be further included that associates the above deduction cost from the virtual account of the manager with the virtual account of the government agency that collects the deduction cost on a predetermined date.

  Moreover, it is comprised so that communication is possible via a network with the shop terminal installed in the shop where the said worker purchases goods, the immediate settlement terminal which performs immediate settlement of the price based on the purchase of the said goods, and said immediate settlement The labor associated with the virtual account of the manager with reference to the instant settlement processing request receiving means for receiving a withdrawal processing request for the price of the product purchased by the worker from the terminal and the virtual account information storage means The first debit processing means for deducting the virtual currency equivalent to the price of the product from the amount taken by the person, and a notification to the effect that the deduction of the virtual currency equivalent to the price has been completed to the immediate settlement terminal And a withdrawal processing completion notification transmission unit.

  Moreover, it is comprised so that communication is possible via a network with the shop terminal installed in the shop where the said worker purchases goods, the immediate settlement terminal which performs immediate settlement of the price based on the purchase of the said goods, and said immediate settlement The prompt settlement processing request receiving unit for receiving a withdrawal processing request for the product purchased by the worker from the terminal, and the virtual account information storage unit with reference to the virtual account information storage unit, the payment for the product from the virtual account of the worker A second debit processing means for deducting a virtual currency corresponding to a debit processing, and a deduction processing completion notification transmitting means for transmitting a notification to the effect that the debit for the virtual currency You may have.

  In addition, the card manager terminal installed under the card manager who holds the above-mentioned workers and manages prepaid cards usable for payment processing, and the financial institution which manages the account of the card manager A remittance request of a predetermined amount is received from a card manager terminal that is configured to be communicable with a financial institution terminal via a network and receives a charge request for a predetermined charge amount from a worker to a prepaid card A third step of deducting a virtual currency corresponding to the predetermined charge amount from the amount of money taken by the worker associated with the virtual account of the manager with reference to the remittance request reception means and the virtual account information storage means; Withdrawal processing means, Remittance request transmission means for transmitting a remittance request of the withdrawn virtual currency to the account of the card manager to the financial institution terminal To the card manager terminal, and transmits the processing result transmitting means for transmitting the remittance processing result of the virtual currency corresponding to the predetermined charge amount, it may be as further having.

  In addition, the card manager terminal installed under the card manager who holds the above-mentioned workers and manages prepaid cards usable for payment processing, and the financial institution which manages the account of the card manager A remittance request of a predetermined amount is received from a card manager terminal that is configured to be communicable with a financial institution terminal via a network and receives a charge request for a predetermined charge amount from a worker to a prepaid card A fourth remittance processing means for debiting a virtual currency corresponding to the predetermined charge amount from the virtual account of the worker with reference to the remittance request receiving means, the virtual account information storage means, and the financial institution terminal A remittance request transmitting means for transmitting a remittance request of the withdrawn virtual currency to the account of the card manager, and the predetermined for the card administrator terminal And transmitting the processing result transmitting means for transmitting the remittance processing result of the virtual currency corresponding to the charge amount may be as further having.

  Further, according to another aspect of the present invention, there is provided a payroll management method comprising: a payroll terminal for use by a payer; and a computer configured to be communicable via a network, the virtual currency held by the payer. Among the methods described above, there is provided a method of securing, as a salary, a virtual currency according to labor receivables of a worker who receives a salary payment from the above-mentioned payer, and the computer is a manager who manages salary based on labor receivables, the above-mentioned salary payment A virtual account information storage means for storing information related to a virtual account owned by the worker and the virtual currency held by the worker, and an attendance information storage means for storing attendance information of the worker; Based on the above-mentioned attendance information, the payroll processing which calculates the amount of salary according to the labor receivable which the above-mentioned worker acquired and the amount of salary according to the labor receivable which the above-mentioned worker acquired Processing to be stored in storage means, approval request transmission processing for transmitting an approval request for the salary to the payer terminal, and approval for receiving approval for the salary by the payer from the payer terminal With reference to the reception processing, the above-mentioned virtual account information storage means and the above-mentioned payroll information storage means, the virtual currency equivalent to the above-mentioned amount taken by the above-mentioned worker among the paid amount according to the labor receivable acquired by the above-mentioned worker By referring to the first securing process for securing the hand-over amount of the worker by associating the virtual account of the payer with the virtual account of the worker, and referring to the virtual account information storage means and the salary information storage means A virtual currency equivalent to the deduction cost of the worker among the pay according to the labor receivable acquired by the worker, the virtual account of the payer from the virtual account of the payer Give, by registering as a payment schedule deducted costs to the virtual account information storage means, performing a second securing process to ensure the credit costs of the workers, the.

  Further, a computer program according to another aspect of the present invention includes a payroll terminal for use by a payer, and a computer configured to be communicable with a computer via a network, among the virtual currency held by the payer. The program is for making it function as a payroll management device that secures as a payroll a virtual currency according to the labor receivables of a worker who receives pays from the payer, and the computer manages the pay based on the labor receivables Virtual account information storage means storing information pertaining to a virtual account in which a virtual currency owned by the worker, the above-mentioned payer, and the above-mentioned worker is held, and time information storage storing time information of the above worker And calculating the amount of salary according to the labor receivables acquired by the worker, based on the attendance information, to the computer. The payroll process, the process of storing the amount of pay according to the labor receivable acquired by the worker in the payroll information storage means, and the approval request transmission process of sending the approval request for the pay to the payer terminal And an approval receiving process for receiving an approval for the pay by the payer from the payer terminal, and the labor acquired by the worker with reference to the virtual account information storing means and the pay information storing means. The salary of the worker is secured by associating the virtual currency equivalent to the worker's take-up amount among the salary amount according to the bond from the payer's virtual account to the worker's virtual account (I) With reference to the first securing process, the above virtual account information storage means and the above salary information storage means, among the salaries according to the labor receivables acquired by the above workers, A second method of securing the deduction cost of the worker by associating the corresponding virtual currency with the virtual account of the payer from the above-mentioned virtual account of the payer and registering it as the scheduled deduction cost in the above-mentioned virtual account information storage means To execute the securing process of

  Further, according to another aspect of the present invention, there is provided a payroll management method comprising: a payroll terminal for use by a payer; and a computer configured to be communicable via a network, the virtual currency held by the payer. Among the methods described above, the virtual currency according to the labor receivables of the workers who receive pays from the payer is secured as the salary, and the computer is a manager who manages the salary based on the labor receivables, and the salary It has virtual account information storage means for storing information related to a virtual account for which a virtual currency held by the payer is deposited, and attendance information storage means for storing the attendance information of the worker, wherein Based on the above, the salary calculation processing for calculating the amount of salary according to the labor receivable acquired by the worker and the amount of salary corresponding to the labor receivable acquired by the worker as the salary information storage means Processing to remember, approval request transmission processing for transmitting an approval request for the salary to the payer terminal, and approval reception processing for receiving an approval for the salary by the payer from the payer terminal. And referring to the virtual account information storage means and the salary information storage means, the virtual currency equivalent to the amount taken by the worker among the salaries according to the labor receivable acquired by the worker, of the payer With reference to the first securing process for securing the hand-over amount of the worker by associating the virtual account with the virtual account of the manager, and referring to the virtual account information storage means and the salary information storage means, the worker Among the salaries according to the labor receivables acquired, the virtual currency equivalent to the deduction cost of the above-mentioned worker is associated with the above-mentioned virtual account of the above-mentioned manager from the above-mentioned virtual account of the payer, By registering as a deduction expenses, it executes a second securing process to ensure the credit costs of the workers, the.

  Further, a computer program according to another aspect of the present invention includes a payroll terminal for use by a payer, and a computer configured to be communicable with a computer via a network, among the virtual currency held by the payer. A computer program for functioning as a payroll management apparatus for securing as a payroll a virtual currency according to the labor receivables of a worker who receives pays from the payer, the computer comprising: A manager to manage and virtual account information storage means for storing information related to a virtual account in which the virtual currency held by the above-mentioned payer is stored, and attendance information storage means for storing attendance information of the worker; And calculate the amount of salary according to the labor receivables acquired by the worker, based on the attendance information, to the computer. The payroll process, the process of storing the amount of pay according to the labor receivable acquired by the worker in the payroll information storage means, and the approval request transmission process of sending the approval request for the pay to the payer terminal And an approval receiving process for receiving an approval for the pay by the payer from the payer terminal, and the labor acquired by the worker with reference to the virtual account information storing means and the pay information storing means. Among the salaries according to the claims, the virtual currency equivalent to the amount taken by the worker is associated with the virtual account of the payer from the virtual account of the payer to the virtual account of the manager, thereby securing the amount taken by the worker Phase of the deduction of the worker among the salaries according to the labor receivables acquired by the worker with reference to the securing process of the above, the virtual account information storage means and the salary information storage means. The second securing process for securing the workers' deduction expenses is executed by associating the virtual currency to be paid from the payer's virtual account with the manager's virtual account and registering it as scheduled payment deductions. .

According to the present invention, it is possible to secure salaries and deduction expenses based on labor receivables, and to prevent the risk of workers being paid unpaid and deduction expenses being unpaid.
In addition, it is possible to reduce the cost required for payment and payment such as salary.
Furthermore, the basis and process of payment such as salary and payment become clear, and fraud is prevented.

It is the functional block diagram showing the function with which the salary management device concerning a first embodiment of the present invention is provided. The salary management apparatus which concerns on this embodiment WHEREIN: It is the figure which showed an example of the data memorize | stored in salary payment person information DB. The salary management apparatus which concerns on this embodiment WHEREIN: It is the figure which showed an example of the data memorize | stored in worker information DB. The salary management apparatus which concerns on this embodiment WHEREIN: It is the figure which showed an example of the data memorize | stored in virtual account information DB. The salary management apparatus which concerns on this embodiment WHEREIN: It is the figure which showed an example of the data memorize | stored in attendance information DB. The salary management apparatus which concerns on this embodiment WHEREIN: It is the figure which showed an example of the data memorize | stored in salary information DB. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is a figure which shows the movement of the virtual currency between virtual accounts in the process by the salary management apparatus which concerns on this embodiment. It is the functional block diagram which showed the function with which the salary management device concerning a second embodiment of the present invention is provided. The salary management apparatus which concerns on this embodiment WHEREIN: It is the figure which showed an example of the data memorize | stored in virtual account information DB. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is a figure which shows the movement of the virtual currency between virtual accounts in the process by the salary management apparatus which concerns on this embodiment. It is the functional block diagram which showed the function with which the salary management device concerning a third embodiment of the present invention is provided. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is the functional block diagram which showed the function with which the salary management system concerning a fourth embodiment of the present invention is provided. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is the functional block diagram which showed the function with which the salary management device concerning a fifth embodiment of the present invention is provided. It is a sequence diagram showing a flow of processing by a salary management device according to the present embodiment. It is a figure which shows the movement of the virtual currency between virtual accounts in the process by the salary management apparatus which concerns on this embodiment.

Hereinafter, a salary management device 1 according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 shows the configuration of the salary management device 1 according to the first embodiment of the present invention.
The salary management device 1 is a device that secures, as a salary, a virtual currency according to the labor receivables of a worker who receives payment from the payer among the virtual currency held by the payer, and is determined by a predetermined manager It is managed.
The payroll management apparatus 1 includes an attendance management apparatus 21 for acquiring worker's attendance information, a payer terminal 22 used by a payer, a worker terminal 23 used by a worker, and a store terminal 24 used by a store. And a network NW such as the Internet.

  Further, the salary management device 1 is realized by a so-called server computer or the like, and is a hardware resource such as a central processing unit (CPU), a random access memory (RAM), a read only memory (ROM), a hard disk drive, and a computer program executed by the CPU. With software resources such as, payroll calculation unit 11, security processing unit 12, judgment processing unit 13, payment processing unit 14, communication processing unit 15, payer information DB1A, worker information DB1B, attendance information DB1C, pay information DB1D, And constitute a functional block consisting of virtual account information DB 1E.

The payer information DB 1A is a storage unit storing information on the payer.
For example, as shown in FIG. 2, in the payer information DB 1A, for each payee ID capable of identifying the payer, detailed information such as the name or address of the payer, address, etc., the payer Authentication information for authenticating a payer when accessing the payroll management apparatus 1 and a worker ID of a worker who is a worker who receives a salary from the payer are stored in association with each other.

The worker information DB 1B is a storage unit storing information on workers.
For example, as shown in FIG. 3, the worker information DB 1B includes, for each worker ID capable of identifying a worker, detailed information including personal information such as a worker's name and address, authentication information, and a worker The payer ID of the employer's primary leisure payer who is employed is associated and stored.
In addition to information for authenticating the worker when the worker accesses the payroll management apparatus 1 from the worker terminal 23, the authentication information is stored in the store based on the virtual currency the worker holds in his own virtual account. When a product is purchased, etc., information for authenticating the worker is included in the settlement associated with the product purchase.

The virtual account information DB 1 E is a storage unit that stores information related to virtual accounts of a manager, a payer, and a worker.
Here, the virtual account is a conceptual account in which a virtual currency is deposited, and the predetermined person makes the predetermined amount by associating the virtual currency of the predetermined amount with the information for identifying the predetermined person. It is treated as having a virtual currency of Then, by changing the target to associate the virtual currency, the target holding the virtual currency can be changed, that is, the virtual currency can be moved between virtual accounts.

  Further, in the virtual currency deposited in each virtual account, the types of the amount taken up, the deduction to be paid, the to-be-paid payment (excluding tax), and the to-be-paid payment (tax) type are registered. The amount of money to be paid is what workers actually receive, except for various deduction expenses such as insurance and pensions among workers' salaries. The scheduled deductions are planned to be paid out as various deductions such as insurance and pensions among the workers' salary. The scheduled payment (tax-excluded price) is the price to be paid to a store when a worker purchases a product at the store, and excludes taxes such as consumption tax. The scheduled payment (tax) is a tax on consumption tax etc. which is stored or collected by the administrative organization when a worker purchases a product at a store.

An example of a virtual account managed in the virtual account information DB 1E is shown in FIG.
FIG. 4A shows a virtual account of the payer, and the processing history and the balance are stored for each payer ID indicated in the account holder.
The processing history is a deposit / withdrawal history in a virtual account of a payer who is an account holder, and includes information relating to the content of processing, date and time, deposit source / withdrawal destination, amount. The contents of the process also show the information related to the holder of the processed virtual currency, and the payment source / withdrawal destination shows the information of the name holder of the virtual account of the payment source or withdrawal destination. There is.

  Specifically, in FIG. 4 (a), the content is "hand-over amount (worker ID: L001001)", the date and time is "5/2", the deposit / withdrawal destination is "[withdrawal] worker ID: L001001", the amount Processing with “... yen [withdrawal]” is paid out on May 2 as the hand-over amount of the worker identified by the worker ID of L001001. It shows that the money has been deposited to the worker's virtual account identified by the ID. In addition, the contents are "payment deduction expenses (worker ID: L001001)", the date and time is "5/2", the payment source / withdrawal destination is "[withdrawal] manager," the amount is ". ... yen" As for the processing, it is paid as ... deduction of payment schedule deduction expense of worker identified with worker ID identified with L001001 on May 2 and deposited to manager's virtual account Is shown.

FIG. 4B shows a virtual account of a worker, and the processing history and the balance are stored for each worker ID indicated in the account name.
Also in this worker's virtual account, the processing history is the deposit / withdrawal history in the virtual account of the payer who is the account holder, and includes information concerning the contents of processing, date / time, deposit source / withdrawal destination, amount . The contents of the process also show the information related to the holder of the processed virtual currency, and the payment source / withdrawal destination shows the information of the name holder of the virtual account of the payment source or withdrawal destination. There is.

  Specifically, in FIG. 4 (b), the content is "hand-paid amount (worker ID: L001001)", the date and time is "5/2", and the deposit source / withdrawal destination is "[Payment] payee ID: E001. "The processing with an amount of" ... yen "is a worker who is identified as a hand-off amount from a payer identified on E001 on May 2 as a worker with an employee ID: L001001 It shows that it was deposited to a virtual account (your own virtual account).

FIG. 4C shows a virtual account of the manager, and a processing history is stored for each payer ID of a payer who is a processing target or a worker ID of a worker.
In this manager's virtual account, the process history is the deposit / withdrawal history of the payroll payer or worker's virtual account to be processed, including information on the process content, date / time, deposit source / withdrawal destination, amount Be The contents of the process also show the information related to the holder of the processed virtual currency, and the payment source / withdrawal destination shows the information of the name holder of the virtual account of the payment source or withdrawal destination. There is.

  Specifically, in FIG. 4 (c), the processing target is "worker ID: L001001", the content of the processing history is "expected payment amount [tax excluded] (worker ID: L001001)", the date and time is " 4/28 ", payment source / withdrawal destination" [[withdrawal] store ID: S 001 ", the amount is" ... yen ", the process is identified by the worker ID of L001001 on April 28 Which is secured as the scheduled payment for a certain worker... Indicates that the virtual currency of yen has been dispensed to the virtual account of the store identified by the store ID of S001.

Further, in the virtual account information DB 1E, information of a virtual account managed under the control of another administrator is registered. That is, when a virtual account such as a store or an administrative organization is managed under another manager, information necessary for remittance of virtual currency from the manager side, such as the account number of the store or administrative organization concerned It is registered.
In this example, the virtual account of the store or the administrative organization is managed by another manager, and for the virtual account of the store or the administrative organization, only information such as the account number is registered in the virtual account information DB 1E. However, in another embodiment, the payroll management apparatus 1 can also manage a virtual account of a store or an administrative agency, and even in such an embodiment, it is possible to perform the same processing as this embodiment. It is.

  In addition, in the virtual currency of the payer or worker who is managed by the manager's virtual account, interest rates are generated depending on the method of operation. Therefore, in another embodiment, the interest rate generated for the payroll payer or worker virtual currency managed by the manager's virtual account is returned to the payroll payer or worker who holds the virtual currency. It is also good. In this case, with reference to the information related to the holder of the virtual currency associated with the virtual account of the manager, the interest rate generated according to the period under management of the manager is the payer or worker virtual Associated with an account, which allows interest rates to be returned to payers or workers.

The attendance information DB 1 C is a storage unit that stores attendance information of workers. The attendance information is supplied from the attendance management device 21 and the working time of the worker is grasped by the attendance information.
For example, as shown in FIG. 5, information related to date and time, work time, and work time is associated with each worker ID in the attendance information DB 1 C.

The salary information DB 1 D is a storage unit that stores salary information of each worker.
For example, as shown in FIG. 6, this salary information DB 1 D includes, for each worker ID, as the salary information, working days, the amount of salary, the amount of approval, the amount of manual acceptance, the amount of manual acceptance, deductions and deductions. Information relating to the presence or absence of payment of expenses is associated and stored.
Here, the salary is calculated based on attendance information for each work day.
Further, the approval / non-approval is information indicating whether or not the payer has approved the salary on a predetermined work day. In addition, whether or not secured is information indicating whether or not a worker or an administrative agency has secured a handed amount or a deduction, respectively.

The payroll calculation unit 11 calculates the amount of pay according to the labor receivable acquired by the worker based on the attendance information stored in the attendance information DB 1C.
In addition to the salary amount for each labor receivable acquired by the worker, the salary calculation unit 11 calculates a hand-over amount, a deduction cost, and the like.

  The securing processing unit 12 refers to the virtual account information DB 1 E and the salary information DB 1 D as the first securing processing, and among the salaries according to the labor receivables acquired by the worker, the virtual currency equivalent to the worker's hand-over amount Correlate from the payer's virtual account to the worker's virtual account and register as a predetermined worker's take-over amount. Once the virtual currency is associated with the worker's virtual account, ownership of the virtual currency is transferred to the designated worker. As a result, regardless of whether the payer's bankruptcy or the payer's ability to pay, the salary based on the labor receivables that the worker has acquired so far is secured as the worker's, and the worker's hand is surely supplied. Be done.

  Further, the securing processing unit 12 refers to the virtual account information DB 1 E and the salary information DB 1 D as the second securing processing, and among the salaries according to the labor receivables acquired by a predetermined worker, the deduction cost of the worker is equivalent. The virtual currency to be associated is linked from the payer's virtual account to the manager's virtual account, and registered as the scheduled deduction for the prescribed worker. Similar to the worker's take-over, once the virtual currency is associated with the manager's virtual account, ownership of the virtual currency is transferred to the designated worker. As a result, regardless of the bankruptcy of the payer or the ability of the payer to pay, the deduction cost to be paid from the worker's salary is secured as the worker's, and the deduction cost can be paid reliably.

In addition, when the worker purchases goods etc. at the store based on the virtual currency held in his / her virtual account, the securing processing unit 12 refers to the virtual account information DB 1E as the third securing processing and performs labor. Of the virtual currency associated with the person's virtual account, the amount corresponding to the price of the product is associated with the manager's virtual account and registered as the scheduled payment for a predetermined store. Here, the types of tax withdrawals and taxes are given to the scheduled payment, the tax withdrawals are treated as expenses to be paid to the store, and the taxes are treated as expenses to be paid to the administrative organization.
As a result, regardless of the ability of the worker or the shop to pay, the price of the product including tax is secured. Also, as a worker can purchase goods etc. on the basis of a virtual currency secured according to labor receivables, a loan etc. because there is no money at hand until the predetermined salary payment date. It is not necessary to receive money loans.
This third securing process is executed only when it is possible to settle the price of the product, when it is judged by the judgment processing unit 13 described later whether or not the price of the product can be settled.

  Judgment processing unit 13 refers to virtual account information DB 1 E in response to a payment processing request from the store, when the worker purchases goods etc. at the store based on the virtual currency held in his own virtual account. Based on the virtual currency associated with the worker's virtual account, determine whether the payment for the product can be settled. That is, the amount of virtual currency associated with the worker's virtual account determines whether the product price and taxes can be paid or not, and if it is paid it is judged that the payment is possible, if it is not paid it can not be paid It is judged.

As a first payment process, the payment processing unit 14 pays the price by associating the price of the product purchased by the worker at the store with the manager's virtual account to the store's virtual account on a predetermined date.
In addition, as a second payment process, the payment processing unit 14 of an administrative organization which stores or collects taxes on the goods purchased by the workers at the store from the virtual account of the manager on a predetermined date. Make tax payments by associating with a virtual account.
Furthermore, as a third payment process, the payment processing unit 14 associates the worker's deduction cost with the virtual account of the government organization that stores or collects the deduction cost from the manager's virtual account on a predetermined date, as a third payment process. Pay deductions.

  The communication processing unit 15 is a functional unit that executes transmission / reception processing of various data via the attendance management device 21, the payer terminal 22, the worker terminal 23, and the shop terminal 24 and the network NW.

The attendance management device 21 is a computer for acquiring and aggregating attendance information constituted by the time when workers leave and work.
The attendance management device 21 receives and tabulates the input of attendance information from the workers, and transmits the attendance information to the salary management device 1 configured to be communicable with the salary management device 1 via the network NW.
The attendance management device 21 may be provided as a dedicated device such as a time recorder, or may be incorporated as software in an employee terminal.

The payer terminal 22 is a terminal used by a payer or employer who hires a worker and pays the worker, and is a portable type that can transmit and receive so-called personal computers, tablets, and data. It is realized by a smart device such as a telephone.
The payer terminal 22 outputs communication processing means for executing transmission / reception processing of various data via the payroll management apparatus 1 and the network NW, and outputs the worker's attendance information received from the payroll management apparatus 1, It has an input / output means for inputting approval for time information.

The worker terminal 23 is able to send and receive so-called personal computers, tablet terminals, and data by meeting at a terminal used by a worker or employee employed by a payer and receiving pay from the payer. It is realized by a smart device such as a portable telephone.
The worker terminal 23 includes communication processing means for executing transmission / reception processing of various data via the salary management device 1 and the network NW, and input / output means for performing input / output of various data. Then, a salary securing processing request can be transmitted to the salary management device 1 by these means.

The store terminal 24 is a terminal provided in a store where a worker purchases a product, and is realized by a so-called personal computer, a smart device such as a tablet terminal or a portable telephone capable of transmitting and receiving data.
The shop terminal 24 includes communication processing means for executing transmission and reception of data via the payroll management apparatus 1 and the network NW, and input / output means for inputting / outputting various data. And, by these means, it is possible to input / output and transmit / receive data related to commodity sales to workers. The input / output means includes, for example, a card reader for acquiring authentication information for authenticating a worker who has purchased a product at the time of settlement associated with product sales.
In the description of the payroll management apparatus 1 according to the present embodiment, mention is made of payment when a worker purchases a product at a store, but “purchase of the product” should not be narrowly understood, and the service In addition, it is intended for various paid transactions between workers and stores.

Subsequently, a flow of processing by the salary management device 1 according to the present embodiment will be described.
In addition, the payer in advance holds a fixed amount of money as a virtual currency in a virtual account as a source of salary to be paid to workers.
First, with reference to FIG. 7, the flow until worker attendance information is collected and the amount of salary based on the attendance information is approved by the payer will be described.

The worker inputs attendance information into the attendance management device 21 according to work (S101). The input attendance information is transmitted to the payroll management apparatus 1 (S102), and stored in the attendance information DB 1C (S103).
The salary management device 1 refers to the attendance information DB 1C by the salary calculation unit 11 to calculate the salary (S104), and stores the calculated amount of salary in the salary information DB 1D (S105).

When the amount of salary is determined, an approval request is sent from the payroll management device 1 to the payer terminal 22 for the payer to approve the amount of the pay (S106).
The payer who has received the approval request confirms the amount of salary of the worker, and if there is no problem, the approval is sent to the payroll management apparatus 1 (S107).

When the payroll management device 1 receives the approval from the payer terminal 22, the payroll management apparatus 1 refers to the payroll information storage unit and registers the approval (S108). The registered approval content, that is, the amount of the approved salary is notified to the worker via the worker terminal 23 (S109).
Here, the salary approved by the payer can be secured by the worker at any time as a worker's labor receivable.

Next, FIG. 8 will be used to explain the flow of processing when a worker makes a request for securing processing from the worker to the manager with respect to the salary approved by the payer, that is, the labor receivables.
The worker transmits a securing processing request to the payroll management apparatus 1 for the predetermined labor receivables held by the worker using the worker terminal 23 (S201).

  The salary management device 1 having received the securing processing request from the worker terminal 23 executes the securing processing unit 12 the processing of securing a hand-over amount and a deduction cost for a predetermined labor receivable (S202). That is, the securing processing unit 12 refers to the virtual account information DB 1 E and the salary information DB 1 D, and pays the virtual currency equivalent to the worker's hand-held amount among the salaries according to the labor receivable for which securing processing is requested. Associate from the virtual account of the worker to the virtual account of the worker and register it as the worker's take-up amount. Further, at the same time, the securing processing unit 12 refers to the virtual account information DB 1 E and the salary information DB 1 D, and pays out the virtual currency equivalent to the worker's deduction cost among the salaries according to the obligee required for securing processing. From the person's virtual account to the manager's virtual account and register as a scheduled deduction.

Here, the movement of virtual currency between virtual accounts when the salary / deduction cost securing process (S202) is executed will be described with reference to FIG.
The amount taken is associated with the virtual account of the employer from the virtual account of the employer. This allows workers to freely use the virtual currency that has been deposited as a handout in their virtual account. Workers can use virtual currency as it is, or they can use it for cash if necessary.
Also, deductions are associated from the employer's virtual account to the manager's virtual account.

  When the securing process of the salary including the hand-paid amount and the deduction cost based on the predetermined labor receivable is completed, information indicating that the salary subjected to the securing process is secured is registered in the salary information DB 1D (S203).

Next, based on the virtual currency which the worker holds in his / her virtual account, processing when shopping at a store will be described with reference to FIG.
When a worker purchases at a store (S301) and requests the store to make a payment based on the virtual currency held in his virtual account, the store terminal 24 sends a payment processing request to the payroll management apparatus 1 It is transmitted (S302).

Here, in the case of a settlement request from a worker to a store, authentication information for authenticating the worker is supplied from the worker to the store. The authentication information may be stored in a medium such as an IC chip.
Further, the payment processing request from the store single terminal to the payroll management apparatus 1 is accompanied by information for identifying and authenticating the worker, information of the store, and further information such as the contents of the product and the price.

  The salary management device 1 having received the payment processing request from the store terminal 24 determines whether the payment is possible or not by the determination processing unit 13 (S303). That is, the determination processing unit 13 refers to the virtual account information DB 1E to determine whether or not the payment for the product can be paid by the amount of the virtual currency associated with the worker's virtual account.

As a result, when it is determined that the settlement is impossible, an error is notified to the shop terminal 24 (S304).
On the other hand, when it is determined that the settlement is possible, the securing processing unit 12 executes a securing process of the price accompanying the product purchase (S305). That is, the securing processing unit 12 refers to the virtual account information DB 1E, associates the portion corresponding to the price of the commodity among the virtual currency associated with the worker's virtual account with the manager's virtual account, Register as a scheduled payment for the store. Here, the scheduled payment is further divided into a tax withdrawal paid to the store and a scheduled tax to be paid to the administrative organization.

Here, the movement of virtual currency between virtual accounts when the payment process (S305) is executed will be described with reference to FIG.
The charges are associated from the worker's virtual account to the manager's virtual account, including tax withdrawals and taxes. As a result, the worker can not freely dispose of the virtual currency for the product price, and there is no risk that the payment for the product will not be defaulted.

When a predetermined date such as the end of the month or the like comes, payment processing for the product is executed (S306).
That is, the payment processing unit 14 associates the tax withdrawal price of the product with the virtual account of the manager from the virtual account of the manager, whereby the tax withdrawal price of the product to be paid to the store is paid. In addition, the payment processing unit 14 associates the tax generated by the purchase of the product by the worker with the virtual account of the manager from the virtual account of the administrative organization, whereby the tax of the product is paid to the administrative organization. Furthermore, the payment processing unit 14 associates the worker's deduction cost from the manager's virtual account to the administrative agency's virtual account, whereby the deduction is paid to the administrative agency.

Here, movement of virtual currency between virtual accounts when payment processing (S306) is executed will be described with reference to FIG.
Tax withdrawals are associated from the manager's virtual account with the virtual account of the store that sold the item to the worker. Also, the deductions and taxes generated by the sale of goods are linked from the manager's virtual account to the government's virtual account. This completes the payment processing of the price, taxes and deductions associated with the purchase and sale of the product.

According to the above-described payroll management apparatus 1 according to the present embodiment, labor debts of workers are not unpaid and deduction expenses are not unpaid, and the lives of workers who are working seriously are protected .
In addition, workers can shop based on their daily labor receivables, eliminating the need to pay interest-bearing debts by payday.
In addition, the system for securing salaries and taxes works in conjunction with the personnel, attendance, and salary system, so that it is possible to instantly judge when, who, who, what purpose, and for what purpose.
In addition, since payment and the like are made in a virtual currency, the origin of the bond and the transaction process become clear, and fraud can be prevented.
Furthermore, since all payments are made automatically, the cost required to pay salaries and collect taxes is greatly reduced.

FIG. 11 shows the configuration of the salary management device 3 according to the second embodiment of the present invention.
In the present embodiment, unlike in the first embodiment, when a salary recovery amount based on labor receivables acquired by a worker is secured, it is registered in the virtual account of the manager as a worker recovery amount.
Similar to the payroll management apparatus 3 according to the first embodiment, the payroll management apparatus 3 includes, among the virtual currencies held by the payroll payer, a virtual currency corresponding to the labor receivables of a worker who receives payment from the payer. It is a device for securing as a salary, and is managed by a predetermined manager.
The payroll management apparatus 3 includes an attendance management apparatus 21 for acquiring worker's attendance information, a payer terminal 22 used by a payer, a worker terminal 23 used by a worker, and a store terminal 24 used by a store. And a network NW such as the Internet.

  Further, the salary management device 3 is realized by a so-called server computer or the like, and hardware resources such as a central processing unit (CPU), a random access memory (RAM), a read only memory (ROM), a hard disk drive, and a computer program executed by the CPU. With software resources such as, payroll calculation unit 31, securing processing unit 32, judgment processing unit 33, payment processing unit 34, remittance processing unit 35, communication processing unit 36, payer information DB 3A, worker information DB 3B, attendance information DB 3C , A salary information DB 3D, and a virtual account information DB 3E.

  The functions of the salary calculation unit 31, the communication processing unit 36, the salary payer information DB 3A, the worker information DB 3B, the attendance information DB 3C, and the salary information DB 3D are respectively the salary calculation unit 31 and the communication in the first embodiment described above. The function is the same as that of the processing unit 36, the payer information DB 3A, the worker information DB 3B, the attendance information DB 3C, and the salary information DB 3D.

  Similar to the first embodiment, the virtual account information DB 3E is a storage unit storing information related to the manager, payer, and worker virtual account, but the payee's withdrawal amount from the payer or The contents of the process in the virtual account of the administrator are different from the first embodiment.

An example of a virtual account managed in the virtual account information DB 3E of this example is shown in FIG.
FIG. 12A shows a virtual account of the payer, and the processing history and the balance are stored for each payer ID indicated in the account holder.
In the processing history, in the present embodiment, the amount of money the worker takes may move from the payer's virtual account to the manager's virtual account.

  Specifically, in FIG. 12 (a), the content is "hand-over amount (worker ID: L001001)", the date and time is "5/2", the deposit / withdrawal destination is "[withdrawal] manager," the amount is ".・ ・ ・ Processing that is "yen [withdrawal]" will be paid out to the virtual account of the manager on May 2 as the hand-over amount of the worker identified by the worker ID of L001001 ... It shows that it was done.

FIG. 12B shows a virtual account of a worker, and the processing history and the balance are stored for each worker ID indicated in the account name.
In the processing history, in the present embodiment, the amount of money the worker takes may move from the manager's virtual account to the worker's virtual account.

  Specifically, in FIG. 12 (b), the content is "hand-paid amount (worker ID: L001001)", the date and time is "5/2", the deposit source / withdrawal destination is "[Payment] manager," the amount A process that says "... Yen" is from the administrator on May 2 as a hand-over amount ... ... to the virtual account (the own virtual account of the worker) whose yen is identified by worker ID: L001001 It shows that it was received.

FIG. 12C shows a virtual account of the manager. In this embodiment, a processing history is stored for each payer ID of a payer who is a processing target or a worker ID of a worker. In addition, information related to the balance of the virtual currency managed as the virtual currency of each processing target person is stored.
In the processing history, in the present embodiment, the amount paid by the worker may move from the manager virtual account to the worker virtual account. In addition, the amount of the worker's hand-held amount held in the manager's virtual account may be registered as a scheduled payment when the worker purchases a product at a store.

  Specifically, in FIG. 12C, the processing target is “worker ID: L001001”, the content of the processing history is “hand-over amount (worker ID: L001001), the date and time is“ 4/28 ”, payment is received. Former / withdrawal destination "[withdrawal] worker ID: L001001", the amount is "... yen" from the administrator from April 28, as a hand-off amount ... · yen L001001 Indicates that the worker's virtual account has been withdrawn. In addition, the processing target is “worker ID: L001001”, and the contents of the processing history are “scheduled payment amount [tax excluded price] (store ID: S001), the date and time is“ 5/3 ”, the payment source / withdrawal Processing that the destination is "-" and the amount is "... yen" may be about ... yen of the amount managed by the manager as the amount of workers' handing over on May 3 It shows that it was registered on the 3rd as a scheduled payment (tax not included) to the store identified by the store ID in S001.

As in the first embodiment, information of a virtual account managed by another administrator is registered in the virtual account information DB 3E. That is, when a virtual account such as a store or an administrative organization is managed under another manager, information necessary for remittance of virtual currency from the manager side, such as the account number of the store or administrative organization concerned It is registered.
Further, in this example, the virtual account of the store or the administrative organization is managed by another administrator, and only information such as the account number is registered in the virtual account information DB 3E for the virtual account of the store or the administrative organization. In another embodiment, the payroll management apparatus 3 can also manage a virtual account of a store or an administrative agency, and in such an embodiment, the same processing as that of this embodiment is performed. Is possible.

  In addition, the virtual currency of payers and workers managed by the manager's virtual account is subject to interest rates depending on the method of operation. Therefore, in another embodiment, the interest rate generated for the payroll payer or worker virtual currency managed by the manager's virtual account is returned to the payroll payer or worker who holds the virtual currency. It is also good. In this case, with reference to the information related to the holder of the virtual currency associated with the virtual account of the manager, the interest rate generated according to the period under management of the manager is the payer or worker virtual Associated with an account, which allows interest rates to be returned to payers or workers. In addition, with regard to the amount of workers that the manager manages in the manager's virtual account, the interest rate generated before the relevant amount moves to the worker's virtual account is returned to the worker's payer It is also possible to In this case, the interest rate calculated based on the balance of the worker's take-up amount may be associated with the worker's payer's virtual account.

  The securing processing unit 32 refers to the virtual account information DB 3 E and the salary information DB 3 D as the first securing processing, and among the salaries according to the labor receivables acquired by the predetermined worker, the virtual equivalent to the hand-over of the workers Associate the currency from the payer's virtual account to the manager's virtual account, and register it as a predetermined worker's recovery amount. Once the virtual currency is associated with the manager's virtual account, ownership of the virtual currency is transferred to the designated worker. As a result, regardless of whether the payer's bankruptcy or the payer's ability to pay, the salary based on the labor receivables that the worker has acquired so far is secured as the worker's, and the worker's hand is surely supplied. Be done.

  Further, the securing processing unit 32 refers to the virtual account information DB 3 E and the salary information DB 3 D as the second securing processing, and is a virtual equivalent to the deduction cost of the worker among the salaries according to the labor receivables acquired by the worker. Associate the currency from the payer's virtual account to the manager's virtual account, and register it as a scheduled deduction. Similar to the worker's take-over, once the virtual currency is associated with the manager's virtual account, ownership of the virtual currency is transferred to the designated worker. As a result, regardless of the bankruptcy of the payer or the ability of the payer to pay, the deduction cost to be paid from the worker's salary is secured as the worker's, and the deduction cost can be paid reliably.

  In addition, when the worker purchases a product at a store and wishes to make a payment based on the virtual currency of the worker associated with the manager's virtual account, the securing processing unit 32 performs the third securing process as a virtual securing process. With reference to the account information DB 3E, of the virtual currency associated with the manager's virtual account as the hand-over amount of the worker, the portion corresponding to the price of the product is registered as the scheduled payment.

  On the other hand, when the worker purchases a product at a store and wishes to make a payment based on the virtual currency associated with the worker's virtual account, the securing processing unit 32 performs the fourth securing process on the virtual account information DB 3E. With reference to the virtual currency associated with the worker's virtual account, the amount corresponding to the price of the product is associated with the virtual account of the administrator and registered as the scheduled payment.

Here, in the third securing process and the fourth securing process, the types of tax withdrawals and taxes are given to the scheduled payment, the tax withdrawals are treated as expenses to be paid to the store, and the tax is an administrative organization. It is treated as an expense to be paid to
As a result, regardless of the ability of the worker or the shop to pay, the price of the product including tax is secured. Also, as a worker can purchase goods etc. on the basis of a virtual currency secured according to labor receivables, a loan etc. because there is no money at hand until the predetermined salary payment date. It is not necessary to receive money loans.
The third securing process and the fourth securing process are executed only when it is possible to pay for the product if it is determined by the determination processing unit 33 described later whether the payment for the product can be settled or not. Ru.

  When the worker purchases goods at a store and wishes to make a payment based on the virtual currency of the worker associated with the manager's virtual account, the determination processing unit 33 stores the product as the first determination process. According to the settlement processing request from the virtual account information DB 3E, referring to the virtual account information in the virtual account of the worker in the virtual account of the manager, the scheduled payment, the scheduled payment deduction, or Based on a virtual currency that has not been registered as a planned payment tax, it is determined whether the payment for the product can be settled. That is, among the virtual currency of workers associated with the manager's virtual account, the price and tax of goods can be covered by the amount of virtual currency whose use is not decided and can be freely disposed of by workers. It is judged whether or not it is determined that the payment can be made if it can not be paid.

  On the other hand, when the worker purchases a product at the store and desires to make a payment based on the virtual currency associated with the worker's virtual account, as a second determination process, according to the payment processing request from the store Then, with reference to the virtual account information DB 3E, it is determined whether or not the payment for the product can be settled based on the virtual currency associated with the worker's virtual account. That is, the amount of virtual currency associated with the worker's virtual account determines whether the product price and taxes can be paid or not, and if it is paid it is judged that the payment is possible, if it is not paid it can not be paid It is judged.

As the first payment process, payment processing unit 34 pays the payment by associating the tax withdrawal price of the item purchased by the worker at the store with the virtual account of the manager from the manager's virtual account on the predetermined date. Do.
Further, as the second payment process, payment processing unit 34 pays the tax by associating the tax on the product purchased by the worker at the store from the virtual account of the manager to the virtual account of the administrative organization on a predetermined date. I do.
Further, the payment processing unit 34 refers to the virtual account information DB 3E at a predetermined date as the third payment process, and among the virtual currency relating to the salary according to the labor receivable acquired by the worker, the scheduled payment amount, Workers are paid salaries by associating the deduction planned to be paid or the portion not registered as the planned tax to the virtual account of the worker.
Furthermore, the payment processing unit 34 refers to the virtual account information DB 3E at a predetermined date as the fourth payment process, and associates the worker's deduction cost from the manager's virtual account to the administrative agency's virtual account. , To pay deductions.

When the remittance processing unit 35 receives a remittance instruction of virtual currency of a predetermined amount from the worker terminal 23, the remittance processing unit 35 refers to the virtual account information DB 3E and is associated with the manager's virtual account as the hand-over amount of the worker. Execute a process of associating a predetermined amount of virtual currency among workers' virtual currency with the worker's virtual account.
In this remittance process, the virtual currency that can be associated with the worker's virtual account is limited to those not registered as scheduled payments, scheduled payments deductions, or scheduled taxes.

Subsequently, the flow of processing by the salary management device 3 according to the present embodiment will be described.
In addition, the payer in advance holds a fixed amount of money as a virtual currency in a virtual account as a source of salary to be paid to workers.
First, in the same manner as described with reference to FIG. 7 in relation to the first embodiment described above, worker's attendance information is collected, and the amount of salary based on the attendance information is approved by the payer.

Next, with reference to FIG. 13, the flow of processing when a worker makes a securing processing request to a manager regarding the salary approved by the payer will be described.
The worker transmits a securing processing request to the payroll management apparatus 3 for the predetermined labor receivables held by the worker using the worker terminal 23 (S401).

The salary management device 3 that has received the securing processing request from the worker terminal 23 executes the securing processing unit 32 the processing of securing a hand-over amount and a deduction cost for a predetermined labor receivable (S402). That is, the securing processing unit 32 refers to the virtual account information DB 3 E and the salary information DB 3 D, and pays the virtual currency equivalent to the worker's hand-held amount among the salaries according to the labor receivable for which securing processing is requested. Associate from the virtual account of the manager to the virtual account of the manager, and register it as the take-over amount of the worker.
Further, at the same time, the securing processing unit 32 refers to the virtual account information DB 3E and the salary information DB 3D, and pays out the virtual currency equivalent to the deduction cost of the worker among the salary according to the labor receivable for which securing processing is requested. From the person's virtual account to the manager's virtual account and register it as the employee's scheduled payment deduction.

Here, movement of virtual currency between virtual accounts when the salary / deduction cost securing process (S402) is executed will be described with reference to FIG.
The amount taken is associated from the employer's virtual account to the manager's virtual account. Workers are also associated with the deduction from the employer's virtual account to the manager's virtual account. This secures the salary according to the workers' labor receivables

  When the securing process of the salary including the hand-paid amount and the deduction cost based on the predetermined labor receivable is completed, information indicating that the secured salary is secured is registered in the salary information DB 3D (S403).

Next, the process of transferring the virtual currency of the worker secured in the virtual account of the manager to the virtual account of the worker in response to the request of the worker will be described with reference to FIG.
The worker transmits to the payroll management device 3 a remittance instruction for requesting remittance of a predetermined amount to his / her virtual account from the worker terminal 23 for his / her virtual currency secured in the manager's virtual account. (S501).
In addition, the amount of virtual currency that workers can request remittance is registered as scheduled payment amount, scheduled payment deduction cost, or scheduled payment tax among virtual currency associated with the manager's account as the worker's salary. Not limited to a range of not

  In response to this, the payroll management device 3 refers to the virtual account information DB 3E by the remittance processing unit 35 and specifies a designated virtual currency among the virtual currency associated with the worker's take-over amount in the manager's virtual account. A process of associating a fixed amount of virtual currency with a worker's virtual account is executed (S502).

Here, movement of virtual currency between virtual accounts when the remittance process (S502) is executed will be described with reference to FIG.
A predetermined amount of virtual currency specified by the worker is associated from the manager's virtual account to the worker's virtual account. This allows workers to freely use the virtual currency that has been deposited as a handout in their virtual account. Workers can use virtual currency as it is, or they can use it for cash if necessary.
In addition, the virtual currency registered as scheduled payment amount, scheduled payment deduction cost, or scheduled payment tax remains associated with the manager's virtual account without moving to the worker's virtual account.

Next, with reference to FIG. 15, a process of shopping at a store based on its own virtual currency secured in a manager's account or a virtual currency held by its own worker will be described with reference to FIG. .
When a worker purchases at a store (S601), a payment is made to the store based on the virtual currency of the virtual currency of his own associated with the virtual account of the manager, or the virtual currency held in the virtual account of his own Specify one of the settlement methods based on. In response to this, the shop transmits a settlement processing request based on the settlement method designated by the worker to the salary management device 3 by the shop terminal 24 (S602).

Here, as in the first embodiment, in the case of a request for payment from a worker to a store, authentication information for authenticating the worker is supplied from the worker to the store. The authentication information may be stored in a medium such as an IC chip.
Further, as with the first embodiment, the payment processing request from the store single terminal to the salary management device 3 is also information such as information for identifying and authenticating the worker, information of the store, and further information such as the contents of the product and the price Accompany.

  The salary management device 3 having received the settlement processing request from the store terminal 24 determines whether the settlement is possible or not by the determination processing unit 33 (S603). That is, when the settlement based on the virtual currency of the worker associated with the virtual account of the manager is designated, the determination processing unit 33 refers to the virtual account information DB 3E and the worker in the virtual account of the manager Whether or not the payment for the product can be settled is determined based on the virtual currency which is associated as the virtual currency of (3), and the virtual currency which is not registered as the scheduled payment, the scheduled deduction cost, or the scheduled tax. On the other hand, when the settlement based on the virtual currency associated with the worker's virtual account is designated, the determination processing unit 33 refers to the virtual account information DB 3E to determine the virtual account associated with the worker's virtual account. Based on the currency, it is determined whether the payment for the product can be settled.

As a result, when it is determined that the settlement is impossible, an error is notified to the shop terminal 24 (S604).
On the other hand, when it is determined that the settlement is possible, the securing processing unit 32 executes a securing process of the price accompanying the product purchase (S605). That is, when the settlement based on the virtual currency of the worker associated with the virtual account of the manager is designated, the securing processing unit 32 refers to the virtual account information DB 3E, and the labor of the manager's virtual account is referred to. Among the virtual currency associated as the hand-over amount of the person, the portion corresponding to the price of the product is registered as the scheduled payment. On the other hand, when settlement based on the virtual currency associated with the worker's virtual account is designated, the securing processing unit 32 refers to the virtual account information DB 3E and is associated with the worker's virtual account. Among the virtual currency, the amount corresponding to the price of the product is associated with the virtual account of the administrator and registered as the scheduled payment. Here, the scheduled payment is further divided into a tax withdrawal paid to the store and a scheduled tax to be paid to the administrative organization.

Here, the movement of virtual currency between virtual accounts when the payment process (S605) is executed will be described with reference to FIG.
When settlement based on a worker's virtual currency associated with the manager's virtual account is designated (in FIG. 16, payment securing process A), there is no movement of the virtual currency between virtual accounts, and the manager's Of the virtual currency associated with the virtual account, a portion corresponding to the price of the product is only registered as the scheduled payment. On the other hand, when the settlement based on the virtual currency associated with the worker's virtual account is designated (in FIG. 16, the payment securing process B), the payment includes the tax withdrawal and taxes, and the payment It is associated with the virtual account of the administrator from the virtual account. As a result, the worker can not freely dispose of the virtual currency for the product price, and there is no risk that the payment for the product will not be defaulted.

  When a predetermined date such as the end of the month or the like comes, payment processing of the remaining amount of money to be taken by the worker or the price of the product is executed (S606). That is, the payment processing unit 34 pays the price by associating the tax withdrawal fee of the product purchased by the worker at the store from the manager's virtual account to the store's virtual account. In addition, the payment processing unit 34 pays the tax by associating the tax related to the product purchased by the worker at the store from the virtual account of the manager to the virtual account of the government organization. Furthermore, the payment processing unit 34 is a portion of the virtual currency related to the salary according to the labor receivable acquired by the worker, which is not registered as the planned payment amount, the planned deduction expense, or the planned tax (the remaining amount) Pay salaries to workers by associating them with the worker's virtual account.

Here, movement of virtual currency between virtual accounts when payment processing (S606) is executed will be described with reference to FIG.
Tax withdrawals are associated from the manager's virtual account with the virtual account of the store that sold the item to the worker. Also, the deductions and taxes generated by the sale of goods are linked from the manager's virtual account to the government's virtual account. Furthermore, in the virtual currency related to the salary according to the labor receivable acquired by the worker, the portion not registered as the scheduled payment amount, the scheduled payment deduction fee, or the scheduled tax to be paid, that is, secured by the manager The remaining amount of money left in the manager's virtual account without being transferred to the virtual account of is associated with the worker's virtual account. This completes the processing of payment for the purchase and sale of goods, taxes, deductions and the remaining balance of the workers.

  According to the above-described payroll management apparatus 3 according to the present embodiment, the amount of worker's hand-over will be secured in the manager's virtual account, and unpaid or unpaid salary and deduction expenses based on labor's labor receivables It is prevented.

Salary management according to a third embodiment in which another settlement process is applied to goods purchased at a store by a worker with respect to the salary management devices 1 and 3 according to the first and second embodiments of the present invention described above The device 4 will be described.
FIG. 17 shows an apparatus configuration of the payroll management apparatus 4 according to the present embodiment, which enables settlement (immediate settlement) using an existing debit card as the payroll management apparatus 1 according to the first embodiment. There is.
In this example, in addition to the above-described attendance management device 21, payer terminal 22, worker terminal 23, and store terminal 24, the payroll management device 4 includes the immediate settlement terminal 25, the financial institution terminal 26, and the network NW such as the Internet. It is configured to be able to communicate via

  The salary management device 4 according to the present embodiment is realized by a so-called server computer or the like as the salary management device 4 according to the first embodiment, and a central processing unit (CPU), a random access memory (RAM), a ROM (read) The payroll calculation unit 11, the securing processing unit 12, the judgment processing unit 13, the payment processing unit 14, the communication processing unit 15, and the payroll payment by hardware resources such as hard disk drive and software resources such as computer programs executed by the CPU. The system includes a withdrawal processing unit 41 in addition to a functional block consisting of personal information DB 1A, worker information DB 1B, attendance information DB 1C, salary information DB 1D, and virtual account information DB 1E.

  When the withdrawal processing unit 41 receives an immediate settlement processing request for the price of the product purchased by the worker from the immediate settlement terminal 25, the virtual account information DB 1E is referred to, and the payment for the commodity is made from the worker's virtual account. Deduct the corresponding virtual currency.

  In addition, the judgment processing unit 13 in the present embodiment, when the processing for deducting a predetermined price from the virtual account of the worker is requested from the immediate settlement terminal 25, based on the virtual currency in the virtual account of the worker, It is determined whether or not a predetermined predetermined price can be withdrawn.

The immediate settlement terminal 25 is a terminal installed under an intermediary who mediates the immediate settlement process by the debit card, and is realized by a so-called server computer or the like.
When the worker purchases a product at a store, the immediate settlement terminal 25 causes the payroll management device 4 to debit the payment according to the request from the store terminal 24, and the financial institution receives the payment to the store Run

The financial institution terminal 26 is a terminal installed under the financial institution that manages the account of the store, and is realized by a so-called server computer or the like.
In response to a request from the immediate settlement terminal 25, the financial institution terminal 26 executes a process of depositing a predetermined price into the store's account.

Next, processing by the salary management device 4 according to the present embodiment will be described with reference to FIG.
In addition, the process by the salary management device 4 according to the present embodiment is characterized by the settlement accompanying the worker's shopping, and only the point will be described, but the other points are the same as the example described above.
First, when a worker purchases at a store (S701) and requests the store to make an immediate payment based on a virtual currency held in his virtual account, the store terminal 24 sends an immediate payment process to the immediate payment terminal 25. A request is sent (S702).
In the case of an immediate settlement processing request, a debit card that enables the use of the immediate settlement based on the virtual currency held in the virtual account is used. In the debit card, at least information for identifying a worker and information such as an access destination to the payroll management apparatus 4 are stored by an IC chip or the like.

  In response to this, the immediate settlement terminal 25 transmits a withdrawal processing request for the price of the product purchased by the worker to the salary management device 4 (S703). The withdrawal processing request is accompanied by information for identifying and certifying the worker, information of the store, and further information such as the contents of the product and the price.

  The salary management device 4 having received the withdrawal processing request from the store terminal 24 determines whether or not withdrawal is possible by the determination processing unit 13 (S704). That is, the determination processing unit 13 refers to the virtual account information DB to determine whether the payment for the product can be paid by the amount of the virtual currency associated with the worker's virtual account.

As a result, when it is determined that the withdrawal is impossible, an error is notified to the immediate settlement terminal 25 (S 705).
On the other hand, when it is determined that the withdrawal is possible, the withdrawal processing unit 41 refers to the virtual account information DB, and the price accompanying the product purchase is withdrawn from the worker's virtual account (S706).
When the withdrawal is completed, a notification that the withdrawal of the virtual currency equivalent to the payment has been completed is sent from the payroll management device 4 to the immediate settlement terminal 25 (S 707).

In response to this, the immediate settlement terminal 25 transmits, as processing information, information indicating that the withdrawal processing has been completed, store information, and information relating to the price to be deposited to the store to the financial institution terminal 26 (S708).
Based on the processing information, the financial institution terminal 26 deposits a predetermined amount of money into the store's account (S709).
This completes the immediate settlement process based on the virtual currency within the worker's virtual account.

  According to this embodiment, it is possible to use the already spread immediate settlement process by making the existing debit card system cooperate with the API. As a result, the already spread immediate settlement process can be used by labor receivables.

In the above embodiment, the case where the immediate settlement process is applied to the payroll management apparatus 1 according to the first embodiment is shown, but the same applies to the payroll management apparatus 3 according to the second embodiment. It is possible.
Here, in the first embodiment, the worker's hand-over amount was in the worker's virtual account, but in the second embodiment, the worker's hand-over amount is not only the worker's virtual account but also the manager May be in a virtual account. Therefore, in the case of applying the above-described immediate settlement process to the salary management device 3 according to the second embodiment, the debiting of the payment is performed by the worker who is managed by the worker's virtual account or the administrator's virtual account. It can be made possible from any of the hand-worn amount. It may be set in advance alternatively, or may be selected by the worker.

  Also, the total amount of the workers 'virtual currency or the sum of the workers' managed amount managed by the manager's virtual account is regarded as the amount that can be used for the immediate settlement process, and the judgment processing unit is based on the total amount It is also possible to judge whether or not the deduction of the charge is possible. And, if the deduction is possible by the total sum, the deduction processing unit 41 deducts the necessary charge from each of the worker's virtual account and the manager's virtual account, and the combined debit amount becomes the price. Do. Such a process is convenient because workers can use immediate settlement regardless of whether the worker's or manager's account has the worker's virtual currency.

In the fourth embodiment, the salary management devices 1 and 3 according to the first and second embodiments of the present invention enable processing of charging a worker's virtual currency to a prepaid card held by the worker. The payroll management apparatus 5 will be described.
FIG. 19 shows an apparatus configuration of the payroll management apparatus 5 according to the present embodiment in which charging to a prepaid card is possible in the payroll management apparatus 1 according to the first embodiment.
In this example, in addition to the above-mentioned attendance management device 21, payer terminal 22, worker terminal 23, and store terminal 24, the payroll management device 5 is a network such as the card manager terminal 27, the financial institution terminal 28, the Internet, etc. It is configured to be able to communicate via the NW.

  The salary management device 5 according to the present embodiment is realized by a so-called server computer or the like as the salary management device 1 according to the first embodiment, and a central processing unit (CPU), a random access memory (RAM), and a ROM (read). The payroll calculation unit 11, the securing processing unit 12, the judgment processing unit 13, the payment processing unit 14, the communication processing unit 15, and the payroll payment by hardware resources such as hard disk drive and software resources such as computer programs executed by the CPU. A remittance processing unit 51 is provided in addition to a functional block consisting of personal information DB 1A, worker information DB 1B, attendance information DB 1C, salary information DB 1D, and virtual account information DB 1E.

  When the remittance processing unit 51 receives a request for remittance of a predetermined amount for charging a prepaid card held by the worker from the card manager terminal 27, the remittance processing unit 51 refers to the virtual account information DB and reads from the worker's virtual account. A process of deducting a virtual currency corresponding to a predetermined charge amount is executed.

  When the determination processing unit 13 in the present embodiment receives a remittance request for a predetermined amount from the card manager terminal 27, the determination processing unit 13 determines the predetermined amount based on the virtual currency in the worker's virtual account. Determine if the virtual currency can be withdrawn.

The card manager terminal 27 is a terminal installed under the card manager who manages the prepaid card, and is realized by a so-called server computer or the like.
The card manager terminal 27 receives a charge request for a predetermined charge amount from the worker to the prepaid card, and in response thereto, the payment of virtual currency equivalent to the predetermined charge amount to the payroll management device 5 To request.

The financial institution terminal 28 is a terminal installed under the financial institution that manages the card manager's account, and is realized by a so-called server computer or the like.
The financial institution terminal 28 accepts deposit from the administrator of the card administrator's account for the virtual currency corresponding to the predetermined charge amount and performs deposit processing. The deposit from the manager to the financial institution may be one obtained by converting a virtual currency into cash.

Next, processing by the salary management device 5 according to the present embodiment will be described with reference to FIG.
The processing by the salary management device 5 according to the present embodiment is characterized in that the prepaid card is charged, and only that point will be described, but the other points are the same as the above-described example.
First, when the worker requests the card manager to charge the prepaid card for a predetermined amount (S801), the card manager terminal 27 transmits a remittance request for the predetermined amount to the payroll management apparatus 5 (S801). S802). The remittance processing request is accompanied by information for identifying and authenticating the worker, information on the card manager, information on a predetermined charge amount, and information on the account of the card manager as the remittance destination.

  The salary management device 5 having received the remittance request from the card administrator terminal 27 determines whether remittance is possible or not by the determination processing unit 13 (S803). That is, the determination processing unit 13 refers to the virtual account information DB 1E to determine whether or not the predetermined charge amount can be covered by the amount of the virtual currency associated with the worker's virtual account.

As a result, when it is judged that remittance is impossible, an error is notified to the card manager terminal 27 (S804).
On the other hand, when it is determined that remittance is possible, the remittance processing unit 51 refers to the virtual account information DB 1E, and the virtual currency equivalent to the predetermined charge amount is withdrawn from the worker's virtual account and managed by the financial institution. The debited virtual currency is transferred to the card manager's account at step S805.
When the remittance is completed, the payroll management device 5 transmits a remittance result notification indicating that the remittance of the virtual currency equivalent to the predetermined charge amount is completed to the card manager terminal 27 (S806).
In addition, although remittance may be performed by a virtual currency, it may be converted into cash and performed.

In response to this, the card manager terminal 27 accesses the financial institution terminal 28 as processing information to confirm payment (S 807), and charges a predetermined charge amount to the worker's prepaid card (S 808). It is also possible to charge the prepaid card when the remittance result notification is received from the payroll management device 5.
This completes the process of charging the prepaid card based on the virtual currency in the worker's virtual account.

  According to the present embodiment, it is possible to use the prepaid card that has already spread by making the existing prepaid card system cooperate with the API. As a result, it is possible to charge the already spread prepaid card based on labor receivables.

In the above embodiment, the case where the immediate settlement process is applied to the payroll management apparatus 1 according to the first embodiment is shown, but the same applies to the payroll management apparatus 3 according to the second embodiment. It is possible.
Here, in the first embodiment, the worker's hand-over amount was in the worker's virtual account, but in the second embodiment, the worker's hand-over amount is not only the worker's virtual account but also the manager May be in a virtual account. Therefore, in the case of applying the above-described charge processing to a prepaid card to the payroll management apparatus 3 according to the second embodiment, remittance of virtual currency equivalent to the charge amount is performed by using the virtual account of the worker or the manager's virtual It can be made from any of the workers' handouts managed by the account. It may be set in advance alternatively, or may be selected by the worker.

  Also, the total amount of the worker's virtual account virtual currency or the sum of the workers' managed amount managed by the manager's virtual account is regarded as the amount that can be charged to the prepaid card, and the judgment processing unit 13 calculates the total amount It is also possible to determine whether remittance of a virtual currency equivalent to the charge amount is possible based on the amount. Then, when it is possible to remit the virtual currency equivalent to the charge amount by the combined amount, the remittance processing unit 51 deducts the necessary charge from each of the worker's virtual account and the manager's virtual account, and the combined debited amount To be the charge amount. Such a process is convenient because the worker can charge the prepaid card regardless of whether the worker's or manager's account has the worker's virtual currency.

Next, the billing management device 6 will be described in which the payroll management devices 1 and 3 according to the first and second embodiments of the present invention described above are applied to billing / payment processing in transactions between companies.
FIG. 21 shows a device configuration of the billing management device 6 according to the present embodiment.
The billing management device 6 is a device that manages and executes billing and payment in transactions between companies, etc., and is managed by a predetermined manager.
This claim management device 6 is configured to be communicable with a company A terminal 71 installed under company A and a company B terminal 72 installed under company B via a network NW such as the Internet There is. In the example of FIG. 21, although only two terminals, the company A terminal 71 and the company B terminal 72, are listed, the number is not particularly limited.

The billing management device 6 is realized by a so-called server computer or the like, and is a hardware resource such as a central processing unit (CPU), a random access memory (RAM), a read only memory (ROM), a hard disk drive, and a computer program executed by the CPU. And so forth, constitute a functional block consisting of a company information DB 6A, a virtual account information DB 6B, a billing information DB 6C, a securing processing unit 61, a payment processing unit 62, and a communication processing unit 63.
In the description of the present embodiment, only the minimum configuration example only by the functions necessary for the billing / payment process performed by the billing management device 6 is shown, and the first to fourth embodiments have been described. Other functional units may be properly incorporated.

The company information DB 6A is a storage unit that carries out transactions and stores information on companies that make requests and payments. The company information DB 6A stores, for each company ID that can identify a company, detailed information including the name of the company, an address, etc., and authentication information in association with each other.
Further, in the company information, there is stored information of a department, a group, a team, etc. in the company, which is an independent object in billing or payment and holds a unique virtual account. That is, in this embodiment, even within one company, a virtual account can be held for each department or group, and information related to the department or group is registered in the company information DB 6A.

The virtual account information DB 6B is a storage unit that stores information related to a virtual account of a company.
Here, as in the first embodiment described above, the virtual account is a conceptual account on which virtual currency is deposited, and is associated by associating a predetermined amount of virtual currency with information for identifying a predetermined person. The predetermined person is treated as holding the virtual currency of the predetermined amount. Then, by changing the target to associate the virtual currency, the target holding the virtual currency can be changed, that is, the virtual currency can be moved between virtual accounts.

In the present embodiment, virtual accounts can be provided not only in company units but also in the name of department or group units in a company, and virtual account information DB 6B stores virtual accounts appropriately provided. Note that multiple virtual accounts can be prepared for each purpose and account.
In the virtual account managed in the virtual account information DB 6B, a cash deposit and withdrawal history and a balance are stored for each name. The deposit / withdrawal history includes information regarding the contents of processing, date / time, deposit source / withdrawal destination, amount.

The billing information DB 6C is a storage unit that stores information related to billing information between companies.
The billing information is information relating to billing from one side to the other, and includes information such as billing source, billing address, billing content, billing amount, billing date, and the like. In the billing information, the presence or absence of approval by the billing destination is registered in association with each billing unit, and when the billing destination approves the billing information, information indicating that the approval has been approved is registered.

When one of the company A or the company B makes a request for a predetermined payment etc. from the other and the other approves the request, the security processing unit 61 refers to the virtual account information DB 6B to check the payment according to the request, etc. The billing is secured by associating the virtual currency according to with the virtual account from the billing destination to the billing source.
Here, if the bill includes tax, the tax-excluded bill is associated with the virtual account of the bill source, while the tax is associated with the manager's virtual account as the tax payable by the bill source.

  The payment processing unit 62 pays the tax on the predetermined date by associating the tax included in the request with the virtual account of the administrator with the virtual account of the administrative organization storing the tax.

  The communication processing unit 63 is a functional unit that executes transmission and reception processing of various data via the company A terminal 71 and the company B terminal 72 and the network NW.

The company A terminal 71 and the company B terminal 72 are terminals installed under the company performing the transaction, and are realized by a computer etc. having an input / output means to input / output data, a communication processing means to transmit / receive data, etc. Be done.
In this example, it is shown that the company A has only a virtual account in the unit of company A, and performs transactions as the company A with the company B and the like. On the other hand, there is a virtual account for each of the main office terminal 72a installed at the head office in company B and each department terminal 72b installed in a predetermined office in company B, and trade is performed for company A building and the head office and each department The case is shown.

Next, with reference to FIG. 22, a flow of processing when a predetermined department of the company B makes a request to the company A based on a predetermined transaction will be described.
A predetermined department in the company inputs billing information based on the transaction by the department terminal 72b (S801), and transmits the billing information to the billing management apparatus 6 (S802).

The billing management device 6 that receives the billing information from the department terminal 72 b of the corporation B transmits an approval request for the billing information to the corporation A terminal 71 together with the billing information (S 803).
The company A confirms the billing information received from the billing management device 6 by the corporation A terminal 71, and if there is no problem, transmits an approval for the billing information to the billing management device 6 (S804).

  In response to this, the billing management device 6 causes the securing processing unit 61 to execute processing for securing the billing based on the billing information (S805). That is, the securing processing unit 61 refers to the virtual account information DB 6B and associates the virtual currency equivalent to the tax withdrawal amount among the approved charges with the virtual account of the company A to the virtual account of the predetermined department of the company B, Register as a virtual currency of the specified department. Further, at the same time, the securing processing unit 61 refers to the virtual account information DB 6B and associates the virtual currency equivalent to the tax from the virtual account of the company A to the virtual account of the administrator among the approved charges, as a scheduled payment tax. sign up.

When a predetermined date such as the end of the month has come, tax payment processing is executed (S806).
That is, the payment processing unit 62 associates the tax included in the request with the virtual account of the administrator from the virtual account of the administrative organization, whereby the tax is paid to the administrative organization.

Here, the movement of virtual currency between virtual accounts when securing processing / tax securing processing (S805) and payment processing (S806) are executed will be described with reference to FIG.
First, in the securing processing / tax securing processing (S805) of the billing amount, the billing amount excluding tax is associated with the virtual account of the company A to the virtual account of a predetermined department of the company B. On the other hand, the tax is associated with the virtual account of the company A to the virtual account of the manager.

  Also, in the payment process (S806), the tax included in the bill and managed by the administrator is associated with the administrator's virtual account to the government agency's virtual account.

  In company B, a predetermined department remits the amount of charges received from company A to the head office account, and remittances and expenses to a predetermined department from among the charges are retransmitted to the predetermined department. Can be exchanged.

According to the above-described billing management apparatus 6 according to the present embodiment, virtual accounts can be easily prepared for each department, project, office, or post in a company, and external billing can be made in each unit. Can. In addition, since the charges in each department or the like become clear, it becomes possible to conduct an appropriate evaluation on each department or the like, and the flow and use of funds become clear.
In addition, there is no risk that sales credits will be lost and lost, and a sound company paying serious taxes will be protected

  In the above embodiment of the present invention, it is preferable that blockchain technology and distributed database technology for preventing tampering and fraud be applied to the virtual currency, thereby strictly managing information. Can secure the security of the transaction.

1 Payroll manager 1A Payroll information database
1B Worker Information DB
1C attendance information DB
1D Salary Information DB
1E Virtual Account Information DB
11 payroll calculation unit 12 securing processing unit 13 judgment processing unit 14 payment processing unit 15 communication processing unit 21 attendance management device 22 payroll terminal 23 worker terminal 24 store terminal 25 immediate settlement terminal 26 financial institution terminal 27 card manager terminal 28 Financial institution terminal 3 Payroll manager 3A Payroll information database
3B Worker Information DB
3C attendance information DB
3D salary information DB
3E Virtual Account Information DB
31 payroll calculation unit 32 securing processing unit 33 judgment processing unit 34 payment processing unit 35 remittance processing unit 36 communication processing unit 4 payroll management device 41 withdrawal processing unit 5 payroll management unit 51 remittance processing unit 6 billing management device 6A company information DB
6B Virtual Account Information DB
6C Billing Information DB
61 Securing processing unit 62 Payment processing unit 63 Communication processing unit 71 Company A terminal 72 Company B terminal 72a Headquarters terminal 72b Department terminal NW network

Claims (17)

It is configured to be able to communicate via a network with a payer terminal that the payer uses.
An apparatus for securing, as a salary, a virtual currency according to labor receivables of a worker who receives payment from the payer, among the virtual currency held by the payer,
Virtual account information storage means for storing information relating to a manager who manages salary based on labor receivables, the above-mentioned payer, and a virtual account on which a virtual currency owned by each worker is deposited;
With reference to the virtual account information storage means, the virtual currency equivalent to the amount taken by the worker among the salaries according to the labor receivable acquired by the worker from the virtual account of the payer is A first securing processing means for securing the above-mentioned worker's hand-over amount by associating with a virtual account;
With reference to the virtual account information storage means, the virtual currency equivalent to the deduction cost of the worker among the salaries according to the labor receivables acquired by the worker is extracted from the virtual account of the payer as described above. Second securing processing means for securing the deduction cost of the worker by associating the virtual account with the virtual account information storage means as payment schedule deduction cost;
Payroll management device. It is configured to be communicable via a network with a shop terminal installed in a shop where the worker purchases a product,
Payment processing request receiving means for receiving a payment processing request for the price of the product purchased by the worker from the store terminal;
With reference to the virtual account information storage means, of the virtual currency associated with the virtual account of the worker, the amount corresponding to the price of the product is associated with the virtual account of the manager, and registered as the scheduled payment Further comprising third securing processing means for securing the price of the product by
The salary management device according to claim 1. A judgment processing means for judging whether or not the payment for the product can be settled based on the virtual currency associated with the worker's virtual account by referring to the virtual account information storage means in response to the settlement process request; In addition,
The third securing processing means refers to the virtual account information storage means when settlement of the price of the product is possible, and the goods among the virtual currency associated with the virtual account of the worker By securing the payment for the product by associating the amount corresponding to the payment for the virtual account of the manager and registering it as the scheduled payment,
The salary management device according to claim 2. It is configured to be communicable via a network with a store terminal installed in a store where the worker purchases a product, and an immediate settlement terminal that performs an immediate settlement of a price based on the purchase of the product.
An immediate settlement processing request receiving means for receiving a withdrawal processing request for the price of the product purchased by the worker from the immediate settlement terminal;
A first withdrawal processing means for deducting a virtual currency equivalent to the price of the product from the virtual account of the worker with reference to the virtual account information storage means;
A debit processing completion notification transmitting unit that transmits a notification that deduction of the virtual currency equivalent to the charge has been completed to the immediate settlement terminal;
The salary management device according to any one of claims 1 to 3. A card manager terminal installed under the card manager who holds the above-mentioned workers and manages prepaid cards usable for payment processing, and a financial institution which manages the account of the card manager It is configured to be able to communicate with a financial institution terminal via a network,
Remittance request receiving means for receiving a remittance request for the predetermined charge amount from the card manager terminal that has received the charge request for the predetermined charge amount from the worker to the prepaid card;
A second withdrawal processing means for deducting a virtual currency equivalent to the predetermined charge amount from the virtual account of the worker with reference to the virtual account information storage means;
A remittance request transmission means for transmitting a remittance request of the withdrawn virtual currency to the account of the card manager to the financial institution terminal;
And transmission processing result transmitting means for transmitting the remittance processing result of the virtual currency equivalent to the predetermined charge amount to the card manager terminal.
The salary management device according to any one of claims 1 to 3. It is configured to be able to communicate via a network with a payer terminal that the payer uses.
An apparatus for securing, as a salary, a virtual currency according to labor receivables of a worker who receives payment from the payer, among the virtual currency held by the payer,
A manager who manages salaries based on labor receivables, and a virtual account information storage unit that stores information related to a virtual account in which the virtual currency held by each of the payers is stored;
With reference to the virtual account information storage means, of the salary according to the labor receivables acquired by the worker, the virtual currency equivalent to the amount taken by the worker is calculated from the virtual account of the payer and the manager's A first securing processing means for securing the above-mentioned worker's hand-over amount by associating with a virtual account;
With reference to the virtual account information storage means, the virtual currency equivalent to the deduction cost of the worker among the salaries according to the labor receivables acquired by the worker is extracted from the virtual account of the payer as described above. Having a second securing processing means for securing the above-mentioned worker's deduction cost by associating it with a virtual account and registering it as a scheduled payment deduction cost,
Payroll management device. It is configured to be able to communicate via a network with a worker terminal used by a worker who receives payment from the above payer, and
A securing processing request receiving means for receiving a securing processing request for a salary within the range of the labor receivables held by the worker from the worker terminal;
The salary management device according to claim 6. Remittance instruction receiving means for receiving an instruction for remittance of a predetermined amount of virtual currency from the worker terminal;
With reference to the virtual account information storage means, in the virtual account of the manager, the virtual currency of the predetermined amount is associated with the virtual account of the worker among virtual currency associated as the hand-over amount of the worker And remittance processing means,
The salary management device according to claim 7. It is configured to be communicable via a network with a shop terminal installed in a shop where the worker purchases a product,
From the store terminal, a payment processing request based on a virtual currency associated with the virtual account of the manager or a virtual currency associated with the virtual account of the worker for the price of a product purchased by the worker A first settlement processing request receiving unit for receiving a settlement processing request based on
When a payment processing request based on the virtual currency associated with the virtual account of the manager is received, the virtual account information storage unit is referred to, and the virtual account of the manager is used as the hand-over amount of the worker Third securing processing means for securing the price of the product by registering, as a scheduled payment, a portion corresponding to the price of the product among the associated virtual currency;
When a payment processing request based on the virtual currency associated with the worker's virtual account is received, the virtual account information storage means is referred to, and virtual currency among the virtual currency associated with the worker's virtual account is referred to The fourth securing processing means for securing the price of the product by associating the amount corresponding to the price of the product with the virtual account of the manager and registering it as the scheduled payment;
The salary management device according to claim 8. It is configured to be communicable via a network with a store terminal installed in a store where the worker purchases a product, and an immediate settlement terminal that performs an immediate settlement of a price based on the purchase of the product.
An immediate settlement processing request receiving means for receiving a withdrawal processing request for the price of the product purchased by the worker from the immediate settlement terminal;
A first withdrawal processing means for deducting a virtual currency equivalent to the price of the product from the amount of money taken by the worker associated with the virtual account of the manager with reference to the virtual account information storage means;
A debit processing completion notification transmitting unit that transmits a notification that deduction of the virtual currency equivalent to the charge has been completed to the immediate settlement terminal;
The salary management device according to claim 6 or 7. It is configured to be communicable via a network with a store terminal installed in a store where the worker purchases a product, and an immediate settlement terminal that performs an immediate settlement of a price based on the purchase of the product.
An immediate settlement processing request receiving means for receiving a withdrawal processing request for the price of the product purchased by the worker from the immediate settlement terminal;
A second withdrawal processing means for deducting a virtual currency equivalent to the price of the product from the virtual account of the worker with reference to the virtual account information storage means;
A debit processing completion notification transmitting unit that transmits a notification that deduction of the virtual currency equivalent to the charge has been completed to the immediate settlement terminal;
The salary management device according to claim 8. A card manager terminal installed under the card manager who holds the above-mentioned workers and manages prepaid cards usable for payment processing, and a financial institution which manages the account of the card manager It is configured to be able to communicate with a financial institution terminal via a network,
Remittance request receiving means for receiving a remittance request for the predetermined charge amount from the card manager terminal that has received the charge request for the predetermined charge amount from the worker to the prepaid card;
A third withdrawal processing means for deducting a virtual currency corresponding to the predetermined charge amount from the amount of money taken by the worker associated with the virtual account of the manager with reference to the virtual account information storage means;
A remittance request transmission means for transmitting a remittance request of the withdrawn virtual currency to the account of the card manager to the financial institution terminal;
And transmission processing result transmitting means for transmitting the remittance processing result of the virtual currency equivalent to the predetermined charge amount to the card manager terminal.
The salary management device according to claim 6 or 7. A card manager terminal installed under the card manager who holds the above-mentioned workers and manages prepaid cards usable for payment processing, and a financial institution which manages the account of the card manager It is configured to be able to communicate with a financial institution terminal via a network,
Remittance request receiving means for receiving a remittance request for the predetermined amount from the card manager terminal that has received the charge request for the predetermined amount of charge from the worker to the prepaid card;
Fourth withdrawal processing means for deducting a virtual currency equivalent to the predetermined charge amount from the virtual account of the worker with reference to the virtual account information storage means;
A remittance request transmission means for transmitting a remittance request of the withdrawn virtual currency to the account of the card manager to the financial institution terminal;
And transmission processing result transmitting means for transmitting the remittance processing result of the virtual currency equivalent to the predetermined charge amount to the card manager terminal.
The salary management device according to claim 8. By a payer terminal used by payer and a computer configured to be able to communicate via a network,
Among the virtual currency held by the payer, the virtual currency according to the labor receivables of the worker who receives the pay from the payer is secured as the salary,
The above computer is
The manager who manages the salary based on the labor loan, the above-mentioned payer, and a virtual account information storage means that stores information related to the virtual account on which the virtual currency held by the worker is deposited,
With reference to the virtual account information storage means, of the salary amount according to the labor receivables obtained by the worker, the virtual currency equivalent to the amount taken by the worker from the virtual account of the payer is the worker The first securing process that secures the above-mentioned worker's hand-over amount by associating with the virtual account of
With reference to the virtual account information storage means, the virtual currency equivalent to the deduction cost of the worker among the salaries according to the labor receivables acquired by the worker is extracted from the virtual account of the payer as described above. Execute a second securing process for securing the deduction cost of the worker by associating the virtual account with the virtual account information storage means as the payment deduction expense in association with the virtual account;
Payroll management method. The payer terminal used by the payer, and a computer configured to be able to communicate via the network,
It is a program for functioning as a salary management device that secures, as a salary, a virtual currency according to labor receivables of a worker who receives payment of salary from the salary payer among the virtual currency held by the salary payer,
The above computer is
The manager who manages the salary based on the labor loan, the above-mentioned payer, and a virtual account information storage means that stores information related to the virtual account on which the virtual currency held by the worker is deposited,
For the above computer,
With reference to the virtual account information storage means, of the salary amount according to the labor receivables obtained by the worker, the virtual currency equivalent to the amount taken by the worker from the virtual account of the payer is the worker The first securing process that secures the above-mentioned worker's hand-over amount by associating with the virtual account of
With reference to the virtual account information storage means, the virtual currency equivalent to the deduction cost of the worker among the salaries according to the labor receivables acquired by the worker is extracted from the virtual account of the payer as described above. Execute a second securing process for securing the deduction cost of the worker by associating the virtual account with the virtual account information storage means as payment schedule deduction cost;
Computer program. By a payer terminal used by payer and a computer configured to be able to communicate via a network,
Among the virtual currency held by the payer, the virtual currency according to the labor receivables of the worker who receives the pay from the payer is secured as the salary,
The above computer is
A manager who manages salaries based on labor receivables; and virtual account information storage means for storing information related to a virtual account in which the virtual currency held by each of the payers is stored.
With reference to the virtual account information storage means, of the salary according to the labor receivables acquired by the worker, the virtual currency equivalent to the amount taken by the worker is calculated from the virtual account of the payer and the manager's First securing processing for securing the above-mentioned worker's hand-over amount by associating with a virtual account;
With reference to the virtual account information storage means, the virtual currency equivalent to the deduction cost of the worker among the salaries according to the labor receivables acquired by the worker is extracted from the virtual account of the payer as described above. Execute a second securing process for securing the above-mentioned workers' deduction expenses by associating them with the virtual account and registering them as scheduled payment deductions;
Payroll management method. The payer terminal used by the payer, and a computer configured to be able to communicate via the network,
It is a computer program for functioning as a salary management device which secures as virtual salary the virtual currency according to the labor receivable of the worker who receives payment of the salary from the above-mentioned salary payer among the virtual currency which the above-mentioned salary payer holds ,
The above computer is
A manager who manages salaries based on labor receivables; and virtual account information storage means for storing information related to a virtual account in which the virtual currency held by each of the payers is stored.
For the above computer,
With reference to the virtual account information storage means, of the salary according to the labor receivables acquired by the worker, the virtual currency equivalent to the amount taken by the worker is calculated from the virtual account of the payer and the manager's First securing processing for securing the above-mentioned worker's hand-over amount by associating with a virtual account;
With reference to the virtual account information storage means, the virtual currency equivalent to the deduction cost of the worker among the salaries according to the labor receivables acquired by the worker is extracted from the virtual account of the payer as described above. Execute a second securing process for securing the above-mentioned workers' deduction expenses by associating them with virtual accounts and registering them as scheduled payment deductions,
Computer program.

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