JP2019079307A - Salary prepayment system - Google Patents

Abstract

To provide a salary prepayment system capable of realizing further improvement of convenience for a laborer when receiving a salary.SOLUTION: A salary prepayment system includes: a company computer 10 disposed in a company and having an attendance report storage unit 21 storing a laborer attendance report; and a management mediation device 11 arranged separately from the company. A management mediation device 11 includes: an attendance report receiving unit 31 for receiving the attendance report; an allowable amount calculation unit 32 for calculating an amount of all or a part of a salary to be paid to a laborer based on the attendance report; a card issuing unit 33 for issuing an electronic money card; an application receiving unit 34 for receiving an application for salary prepayment from the laborer; a salary payment instruction unit 35 for depositing all or a part of the salary calculated by the allowable amount calculation unit 32 to the electronic money card of the laborer, or instructing a financial institution specified by the company to pay all or the part of the salary to the laborer, when the application receiving unit 34 receives an application from a worker.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a payroll prepayment system that pays a worker a salary before a predetermined payday.

  In recent years, with the diversification of lifestyles, employment forms of workers have become various. Examples of this type of employment include full-time employees, contract employees, part-time workers, part-time workers, and temporary workers, and the employment type is liberalized.

  Usually, a worker who works in the above employment mode in a company etc. pays the money by transferring money to an account of a financial institution so that the pay according to the payment period is paid on the pay payment date set by the employer in advance. Receive as a wage.

  The unit of pay period for pay (that is, the target period for calculating pay) is usually one month, but there are, for example, one week, one day, etc. along with the diversification of employment types described above. Workers who work as part-time workers or part-time workers may be able to request the pay period of the salary to the employer. For example, workers can request a daily payment of wages. A payroll system that pays a wage according to such a demand of workers has been conventionally proposed (see, for example, Patent Document 1).

  In addition, a system has been proposed in which wages are paid to workers before a predetermined pay date (see, for example, Patent Document 2). According to this system, if the worker desires, it is possible to receive a prepayment of salary within the range of compensation for labor already provided.

JP, 2010-61341, A JP, 2014-89698, A

  However, in the above-mentioned prior art, it is practiced to meet the demands of workers, such as daily pay and prepayment of wages, but the convenience for the workers is further enhanced by the needs of the times and the receipt of workers' salaries. When considering the improvement, there is room for further improvement of the above-mentioned prior art.

  Therefore, an object of the present invention is to provide a prepaid salary system which can realize further improvement of convenience for workers upon receipt of salary.

(1) The payroll prepayment system according to the present invention is a payroll prepayment system which pays all or part of the compensation for labor of workers in a company to the workers before a predetermined payday. A system, which is arranged in the company and stores an attendance report of the worker, and an electronic money card which is distributed to the worker and is used to deposit all or part of the salary An attendance report receiving unit for receiving the attendance report directly or indirectly from the attendance report storage unit, the management intermediary device including: a card issuing unit; Allowable amount calculation unit for calculating the amount of all or part of the salary to be paid to the worker based on the attendance report, and an application for receiving an application for payment in advance from the worker And, when the application receiving unit receives the application from the worker, all or part of the salary calculated by the possible payment calculation unit is deposited to the electronic money card of the worker, or And a salary payment instruction unit for instructing the financial institution designated by the company to pay all or part of the salary to the worker.

  According to the configuration of the above (1), since it is not necessary for the company to manage the prepaid portion of the salary based on the worker's attendance, the burden on the company is reduced. In addition, workers can receive all or part of their salaries simply by applying, which is convenient for the workers. Furthermore, even if there is a possibility that a financial institution such as a bank may transfer the salary on or after the next day outside the business hours, the whole or a part of the salary will be immediately given to the electronic money card possessed by the worker. Can be selected to receive money, so it is possible to receive the necessary money without leaving time. This does not create the conventional problem of not receiving pay at the time the worker desires. Therefore, it is expected that more workers willing to work in a company adopting such a payroll prepayment system, which will also lead to an increase in the vitality of human resources in the company. As described above, according to the present invention, it is possible to realize further improvement of convenience for workers in terms of salary reception. The worker may be an employee who has signed an employment contract directly with a company, or an employee who has no employment contract with a company and has signed an employment contract with a third party (for example, a dispatching company etc.) May be

(2) In the payroll prepayment system according to the above (1), in the portable terminal which the management intermediation apparatus is connected via the Internet and owned by the worker, the payment to the electronic money card by the payroll instruction unit and The system may further include a first screen display unit for displaying a screen on which the worker can select any one of payment instructions of all or part of the salary to a financial institution designated by the company.

  According to the configuration of the above (2), the worker can select the deposit to the electronic money card or the deposit to the financial institution account by a portable terminal such as a smart phone or a tablet terminal. This further increases the convenience for workers to receive their pay without any time or place restrictions when applying for a payroll advance.

(3) In the payroll prepayment system according to the above (1) or (2), the management intermediation apparatus is connected via the Internet, and the portable terminal owned by the worker, the worker applies for the payroll prepayment application You may further have a 2nd screen display part which displays the screen for performing.

  According to the configuration of the above (3), since the worker can easily apply for a salary prepayment through the portable terminal owned by the worker, the convenience is increased and the application is not bothersome by telephone or the like.

(4) In the above-mentioned salary prepayment system of (1) to (3), the salary payment instructing unit instructs the financial institution designated by the company to pay all or part of the salary. It is preferable to notify the financial institution designated by the company of all or part of the amount of salary calculated by the possible payment calculation unit.

  According to the configuration of the above (4), it is not necessary for the company to calculate and manage the prepaid part of the salary based on the worker's attendance independently, and the burden on the company is reduced.

(5) In the above-mentioned pay prepayment system of (1) to (4), the card issuing unit may be provided in the management intermediation apparatus.

  According to the configuration of the above (5), the management intermediation apparatus can collectively process the business management related to the payment of salary to the workers. This makes it easy to manage salary.

(6) In the salary prepayment system according to the above (1) to (5), the salary payment instructing unit executes a process of depositing all or part of the salary to the electronic money card of the worker. , And may be configured to pay workers directly from the financial institution account of the company.

  According to the configuration of the above (6), a company etc. can directly pay all or part of the salary to a worker etc. without depositing funds in a service provider company (company provided with a management intermediation apparatus). This eliminates the data exchange and accounting effort on payroll payments to workers between service providers and companies, etc. Therefore, it is possible to provide a system capable of performing processing faster than in the past.

  According to the present invention, it is possible to provide a prepaid salary system which can realize further improvement of convenience for workers upon receipt of salary.

It is a figure showing composition of a salary prepayment system concerning one embodiment of the present invention. (A) is a block diagram which shows a structure of a company side computer, (b) is a block diagram which shows the structure of a management intermediation apparatus. (A) is a figure which shows an example of the selection screen of the salary reception method displayed on a worker's portable terminal, (b) is a figure which shows an example of the screen of the salary | payroll prepayment application displayed on a portable terminal. It is a flow chart which shows a flow of processing of a salary prepayment system concerning one embodiment of the present invention.

  Hereinafter, a salary prepayment system according to an embodiment of the present invention will be described with reference to the drawings.

  The payroll prepayment system of the present invention pays the worker according to the attendance according to the attendance before the predetermined payday. As shown in FIG. 1, the payroll prepayment system 100 of the present invention is provided separately from a company computer (a computer having a CPU, a ROM, a RAM, etc.) 10 provided in a company where workers provide labor, and the above company. Management intermediaries (computers with CPU, ROM, RAM etc.) 11, mobile terminals (eg smart phones etc.) 12 possessed by workers, and financial institutions (financial They are mutually connected through 13. The network 13 is the Internet in the present embodiment, but may be another network such as a local network.

  Then, the function which each device of payroll prepayment system 100 has is explained. As shown in FIG. 2A, the company computer 10 includes an attendance report storage unit 21 and a attendance report transmission unit 22.

  The attendance report storage unit 21 stores the attendance record (hereinafter, information including attendance record is described as attendance report) that the worker has reported to the company that provided the labor. The attendance report transmitting unit 22 transmits the attendance report stored in the attendance report storage unit 21 to the attendance report receiving unit 31 described later.

  Next, as shown in FIG. 2B, the management intermediation apparatus 11 includes an attendance report receiving unit 31, an amount-to-be-paid amount calculating unit 32, a card issuing unit 33, an application receiving unit 34, and a payroll instruction unit A first screen display unit 36 and a second screen display unit 37 are provided. The attendance report receiving unit 31, the available amount calculating unit 32, the card issuing unit 33, the application receiving unit 34, the payroll instruction unit 35, the first screen display unit 36, and the second screen display unit 37 are management intermediation devices The 11 CPUs (central processing units) are functionally implemented by executing predetermined programs.

  Next, each component of the management intermediation apparatus 11 will be described. The card issuing unit 33 issues an electronic money card for depositing the salary of the worker. The electronic money card issued by the card issuing unit 33 includes a card number for identifying the electronic money card, a name of a worker who uses the electronic money card, and identification of a company for which the worker provides labor. Information etc. are held. This electronic money card is distributed to each worker in advance. Although the card issuing unit 33 is provided in the management intermediation device 11, the present invention is not limited to this, and the card issuing unit 33 may be provided in another device such as a company computer.

  The attendance report receiving unit 31 receives the attendance report of the worker from the attendance report transmitting unit 22. The attendance report contains information about the worker, such as name, financial institution account number for transfer, card number of electronic money card, attendance record, hourly rate (hourly salary), and salary determination amount. . The above-mentioned salary determination amount is calculated by working time × hourly salary, and is the amount before tax and the like are deducted.

  Based on the attendance report received by the attendance report receiving unit 31, the allowance calculation unit 32 calculates the total or partial salary amount to be paid to the worker. For example, if the hourly salary of a worker is 1,000 yen and the actual work is 16 hours (8 hours x 2 days), the amount-of-payable amount calculation unit 32 calculates the amount of salary to be paid to the worker As a result, 16,000 yen is calculated, and the amount (that is, the amount that can be paid) obtained by subtracting taxes etc. from this 16,000 yen.

  The application receiving unit 34 receives an application for payroll prepayment from the worker. Workers can send an application for payroll prepayment through a mobile terminal 12 such as a smart phone. In this case, the second screen display unit 37 causes the mobile terminal 12 owned by the worker to display a screen for the worker to apply for a salary prepayment as shown in FIG. 3B, for example. In FIG. 3 (b), on the display screen 12 a of the mobile terminal 12, an application button 44 and a confirmation button 45 for applying for a salary prepayment are displayed. After pressing the application button 44, the worker can apply for a salary prepayment by pressing the confirmation button 45. As described above, when the worker makes the application using the portable terminal 12, the possible payment amount may be displayed on the display screen 12 a of the portable terminal 12. For example, when the cumulative upper limit of the amount that can be paid (for example, initialized at the end of the month) is 20,000 yen, up to 20,000 yen is displayed on the display screen 12a. In this case, the worker can apply for a prepaid salary within the range of the displayed amount or less, and for example, 20,000 yen in the initial state ("part of the salary and all the amount that can be paid"), Alternatively, if you have already received 5,000 yen in advance, you can apply for the remaining amount of 15,000 yen ("part of salary and part of the amount that can be paid.") The amount of money can be received before the predetermined pay date. In addition, the cumulative upper limit of the amount that can be paid can be set as appropriate, and for example, the full amount (all of the salary) of the worker's actual work minus the planned tax and the planned insurance may be set. , 50% of the workers' work results (example of "part of salary"), etc. may be set.

  When the application receiving unit 34 receives an application from a worker, the salary payment instruction unit 35 executes (1) processing for depositing all or part of the salary for the worker to the worker's electronic money card, or , (2) Give all or part of a pay instruction to the worker to the financial institution 14 designated by the company. Here, the first screen display unit 36 is a portable terminal 12 owned by a worker, for example, as shown in FIG. 3A, all of the payment to the electronic money card and the salary to the financial institution 14 designated by the company or Display a screen where workers can select some payment instructions. In FIG. 3A, on the display screen 12a of the portable terminal 12, a card deposit button 41 for executing deposit to an electronic money card, and an account deposit button for executing a payment instruction to a financial institution 14 designated by a company. 42 and the confirmation button 43 are displayed. The worker presses any one of the card deposit button 41 and the account deposit button 42, and then presses the enter button 43 to select the method of receiving the desired amount out of all or part of the salary. be able to.

  When the worker presses the card deposit button 41, the payroll instruction unit 35 executes a process of depositing (charging) all or part of the pay to the worker's electronic money card. On the other hand, when the worker presses the deposit button 42, the payroll instruction unit 35 selects the account of the financial institution 14 from the account of the financial institution 14 for which the company has designated all or part of the salary. The instruction is sent to the financial institution 14 designated by the company to deposit money. When instructing the financial institution 14 to pay all or part of the salary, the salary payment instruction unit 35 notifies the possible payment amount calculated by the possible payment amount calculation unit 32. If a worker wishes to deposit money, he may receive cash directly from the company by hand. In addition, a parent account (payment account) for depositing money to the electronic money card is separately prepared.

  Subsequently, a series of processes of the above-described payroll prepayment system 100 will be described with reference to a flowchart.

  As shown in FIG. 4, the card issuing unit 33 issues an electronic money card of each worker (step S1). Thus, each worker holds an electronic money card.

  Next, the attendance report of the worker is stored for each worker in the attendance report storage unit 21 of the company computer 10 (step S2). Then, the attendance report transmission unit 22 transmits the attendance report stored in the attendance report storage unit 21 to the management intermediation device 11 (step S3).

  The attendance report receiving unit 31 receives the attendance report transmitted by the attendance report transmitting unit 22 (step S4). Thereafter, the possible payment calculation unit 32 calculates the possible payment amount that can be paid to the worker based on the attendance report received by the attendance report receiving unit 31 (step S5).

  Next, when the application reception unit 34 receives an application for payroll prepayment from the worker (YES in step S6), the first screen display unit 36 causes the mobile terminal 12 of the worker to deposit money to the electronic money card. A screen is displayed on which the worker can select any one of the pay instructions for all or part of the salary to the financial institution 14 designated by the company (step S7).

  Thereafter, the salary payment instruction unit 35 executes a process of charging all or part of the salary to the worker's electronic money card, or all or a part of the salary according to the worker's request. A process of sending an instruction to the financial institution 14 to deposit money to the financial institution account of the worker is executed (step S8). Workers can receive prepaid salary through the above process.

  As described above, according to the salary prepayment system 100 according to the present embodiment, since the company need not manage the prepaid portion of the salary based on the worker's attendance, the burden on the company is reduced. In addition, workers can receive all or part of their salaries simply by applying, which is convenient for the workers. Furthermore, even if there is a possibility that a financial institution such as a bank may transfer the salary on or after the next day outside the business hours, the whole or a part of the salary will be immediately given to the electronic money card possessed by the worker. Can be selected to receive money, so it is possible to receive the necessary money without leaving time. This does not create the conventional problem of not receiving pay at the time the worker desires. Therefore, it is expected that the number of workers who want to work in a company adopting such a payroll prepayment system 100 is increased, which also leads to an increase in vitality of human resources in the company. As described above, according to the prepaid salary system 100 of the present embodiment, it is possible to further improve the convenience for workers in receiving a salary.

  Further, according to the present embodiment, either the deposit to the electronic money card by the salary payment instruction unit 35 or the instruction to pay all or a part of the salary to the financial institution 14 designated by the company is made by the worker's portable terminal 12 It can be selected. This further increases the convenience for workers to receive their pay without any time or place restrictions when applying for a payroll advance.

  Further, according to the present embodiment, since the application for payroll prepayment can be easily performed by the mobile terminal 12 possessed by the worker, the convenience is increased and the application is not bothersome by telephone or the like.

  Further, according to the present embodiment, when the salary payment instruction unit 35 instructs the financial institution 14 designated by the company to pay all or a part of the salary, the salary amount calculation unit 32 calculates it. The amount that can be paid is notified to the financial institution 14. This eliminates the need for companies to independently calculate and manage salaries based on worker attendance, thus reducing the burden on companies.

  Furthermore, according to the present embodiment, since the card issuing unit 33 is provided in the management intermediation device 11, the management intermediation device 11 collectively manages the administrative management regarding payment of all or part of the salary to the worker. be able to. This makes it easy to manage salary.

  As mentioned above, although embodiment of this invention was described based on drawing, it should be thought that a specific structure is not limited to these embodiment. The scope of the present invention is indicated not by the description of the embodiments described above but by the claims, and further includes all modifications within the meaning and scope equivalent to the claims.

  In the above embodiment, the parent account (withdrawal account) for depositing money to the electronic money card is separately prepared, and the salary payment instruction unit 35 deposits the salary from the parent account to the worker's electronic money card. Although the implementation has been described, it is not limited thereto. In this modification, the payroll instruction unit 35 pays the workers directly from the financial institution account of the company when executing the process of depositing the payroll to the electronic money card. That is, the management intermediary device 11 does not directly touch the funds (payroll), and the flow of the funds is only between the company and the workers.

  According to such a modification, a company etc. can pay salaries directly to a worker etc. without depositing funds in a service provider company (a company provided with a management intermediary device). It is possible to eliminate data exchange and accounting effort on payroll to workers between etc. Therefore, it is possible to provide a system capable of performing processing faster than in the past.

  In the above embodiment, the attendance report transmitting unit 22 is configured to transmit the attendance report stored in the attendance report storage unit 21 to the attendance report receiving unit 31 of the management intermediation device 11. However, the present invention is not limited thereto. Alternatively, the attendance report may be indirectly sent to the attendance report receiving unit 31 by staff commissioned by a company.

  Furthermore, in the above-described embodiment, the worker is configured to apply for payroll prepayment using his / her portable terminal, but the present invention is not limited to this. The application receiving unit 34 may receive the application as information.

10 Corporate Computer 11 Management Intermediary Device 12 Mobile Terminal 12a Display Screen 13 Network 14 Financial Institution 21 Specified by Company 21 Attendance Report Storage Part 22 Attendance Report Transmission Part 31 Attendance Report Reception Part 32 Allowable Amount Calculation Part 33 Card Issuer 34 Application Reception unit 35 Salary payment instruction unit 36 First screen display unit 37 Second screen display unit 41 Card deposit button 42 Account deposit button 43 Confirm button 44 Application button 45 Confirm button 100 Salary prepayment system

Claims (6)

A payroll prepayment system for paying all or part of salary as compensation for labor of a worker in an enterprise to the worker prior to a predetermined salary payment date,
An attendance report storage unit, which is disposed in the company and stores the attendance report of the worker;
A card issuing unit which is distributed to the workers and issues an electronic money card for depositing all or part of the salary;
A management intermediation apparatus disposed separately from the company;
The management intermediary device is
An attendance report receiving unit that receives the attendance report directly or indirectly from the attendance report storage unit;
A possible payment calculation unit that calculates the amount of all or part of the salary to be paid to the worker based on the attendance report;
An application receiving unit for receiving an application for payroll prepayment from the worker;
When the application receiving unit receives the application from the worker, all or a part of the salary calculated by the possible payment calculation unit is deposited on the electronic money card of the worker, or A payroll prepayment system comprising: a payroll instruction unit for performing all or part of the pay instruction to the worker to a financial institution designated by the company.   The management intermediation apparatus is a mobile terminal connected via the Internet and owned by the worker, including: a payment to the electronic money card by the payroll instruction unit; and all or one of the payrolls to a financial institution designated by the company. The pay-as-you-go system according to claim 1, further comprising a first screen display unit that displays a screen on which the worker can select any of the payment instructions of the department.   The management intermediation apparatus further includes a second screen display unit for displaying a screen for the worker to apply for the salary advance in a portable terminal connected via the Internet and owned by the worker. The prepaid salary system according to claim 1 or 2.   The salary payment instruction unit instructs all or part of the salary calculated by the possible payment calculation unit when instructing the financial institution designated by the company to pay all or a part of the salary. The salary prepayment system according to any one of claims 1 to 3, wherein the amount is notified to a financial institution designated by the company.   The pay prepayment system according to any one of claims 1 to 4, wherein the card issuing unit is provided in the management intermediation device.   The payroll instruction unit is configured to pay the worker directly from the financial institution account of the company when performing processing of depositing all or part of the pay to the electronic money card of the worker The pay prepayment system according to any one of claims 1 to 5, characterized in that:

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