JP2021072093A - Wage prepayment system - Google Patents

Abstract

To provide a system for performing a wage prepayment agency business for even small and medium-sized enterprises at a low risk, an operation method of the system and a program for performing the business by making the system read the program.SOLUTION: A method accepts a wage prepayment request from a worker together with information indicating a desired money amount. The method acquires a balance of an unpaid wage of the worker, determines whether or not the payment of the desired money amount is possible, when the payment is affirmable, applies same amount request processing to a credit card which is used by a user, and when the request is accepted (authorized), performs processing for a wage-prepayment substitutive payment to the worker on the basis of an own fund of an agency business operator. In the substitutive payment, transfer processing of a prescribed money amount to a bank account or the like which is designated by the worker is performed by order processing or the like from a main system. An amount of the substitutive payment is paid to the agency business operator from a card issuer or a card settlement agency business operator.EFFECT: Since a credit of the user is secured by the card issuer, a business can be performed at a low risk.SELECTED DRAWING: Figure 2

Description

The present invention relates to a wage prepayment system, particularly a system for passing on the risk of a company that pays prepayment on behalf of an employer who pays workers, a method of operating the system, and a program to be read and executed by the system. ..

Employment of workers is a pressing issue for employers. In recent years, there have been situations in which companies are forced into bankruptcy due to a shortage of workers, and stores are forced to close due to a shortage of workers.

In view of this situation, companies are taking various measures to secure human resources. For example, we are enhancing welfare programs, raising wage levels, and making work styles more flexible. One of the characteristics of companies that are employers is that the so-called prepayment of wages is a system that is attracting attention among such measures. However, in a company with a large number of workers, the paperwork cost rises, which also puts pressure on SG & A expenses. Therefore, in order to efficiently and automatically pay the wages in advance, a user terminal, a labor data processing computer, and a payment computer are provided, and the labor data processing computer inputs the request data transmitted from the user terminal. The amount specified in the request amount data and the amount specified in the available amount data are compared in size, and the ratio data is obtained when the amount specified in the request amount data does not exceed the amount specified in the available amount data. Electronic money issuance request data for creating and outputting transfer data for paying the cash amount specified in the worker to the worker and charging the electronic money amount specified in the ratio data to the user terminal of the worker A system is being considered that creates a data and outputs it to a payment computer.

JP-A-2019-185540

However, the above-mentioned conventional technology can generate the cost for system construction if the user is a large company, but it is not easy for the small and medium-sized and micro enterprises to generate the cost. Therefore, it is considered that the prepaid agency business, which deals with prepaid wages such as wages, is effective for small and medium-sized enterprises as a business model. This is to pay the wages in advance for workers employed by many companies on behalf of the employer (company, etc.). In this way, if the system and the employer can be separated and the prepayment can be outsourced, the cost burden on the employer can be reduced, and it can be said that the worker also has such a system, and the life of the worker is stable. It is possible to appeal to the company as a place of employment that is useful for planning and has a good in-house system. However, there are problems with this business model as well. It is a financial risk. In the business of acting as a prepaid agent, it is necessary for the agent company to receive a predetermined amount of prepaid reserve from the user in advance. Alternatively, it is necessary to thoroughly conduct a credit check of the company that is the employer to confirm that the financial credit of the outsourcing source is sufficient. In the former case, many companies do not always have surplus funds, and in the latter case, credit investigation is complicated and costly, which is not preferable.

In order to solve the above-mentioned problems related to financial risk of the business model of the prepaid agency business, as the first invention in the present application,
Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information holding department, which holds in association with,
A credit card identification information holding unit that holds credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information.
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information holder and
A wage prepayment request acquisition department that obtains a wage prepayment request including a wage prepayment request that associates a worker identification information with a desired amount from a worker.
The prepaid amount acquisition department for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A prepaid admissibility judgment unit that determines whether or not the desired amount of wages included in the wage prepaid request can be prepaid based on the acquired prepaid amount in association with the worker identification information included in the acquired wage prepaid request.
If the result is that prepaid is possible, identify the desired amount (a fee may be added to the desired amount, and the same name shall be used in that case) and the employer who uses the worker. A user credit card payment processing request unit that outputs a user credit card payment processing request for processing a user credit card payment including the credit card identification information associated with the user identification information, and a user credit card payment processing request unit.
In response to the output user credit card payment processing request, the payment processing availability information acquisition unit that acquires payment processing availability information, which is information indicating whether payment processing is possible,
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. Information output section and
Provide a wage prepayment system with a wage prepayment server.

Furthermore, as the second invention, based on the first invention,
The Labor Status Information Management Department, which manages the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The Labor Status Information Holding Department, which holds the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The prepaid amount calculation unit that calculates the prepaid amount based on the labor status information associated with the worker identification information,
The prepaid amount record holding unit that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving unit that receives a prepayable amount acquisition request that is a request for acquisition of the prepayable amount associated with the worker identification information from the wage prepayment server.
A response transmitter that transmits the prepaid amount associated with the worker identification information received in response to the reception of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition department
A prepaid amount request transmitting means for transmitting a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and a method for transmitting the prepaid amount request.
A prepaid amount receiving means for receiving a prepaid amount as a response to the request from the labor status management server, and a prepaid amount receiving means.
Provide a wage prepayment system with.

Furthermore, as a third invention, based on any one of the first invention and the second invention,
Of the wage prepaid server,
The user credit card payment processing request department
Provided is a wage prepayment system having a credit card payment agency transmission means for transmitting a user credit card payment process to a credit card payment agency or / and a credit card company.

Furthermore, as the fourth invention, based on any one of the first invention, the second invention, and the third invention,
The wage prepayment server makes a wage prepayment request for payment processing refusal information, which is information that payment processing is not possible, when the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible. Provided is a wage prepayment system having a payment processing refusal information transmitter for transmitting to a terminal used by an employer identified by an employer identification information associated with a worker identification information.

Furthermore, as a fifth invention,
Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information holding department, which holds in association with,
A credit card identification information holding unit that holds credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information.
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information holder and
The prepaid amount acquisition department for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A wage prepayment request acquisition department that obtains a wage prepayment request including a wage prepayment request that associates a worker identification information with a desired amount within the prepayable amount from a worker.
Identify the desired amount of the prepaid request within the acquired prepaid amount (a fee may be added to the desired amount, and the same name shall be applied in that case) and the employer who uses the worker. The credit card identification information associated with the user identification information, and the user credit card payment processing request unit that outputs the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request unit.
In response to the output user credit card payment processing request, the payment processing availability information acquisition unit that acquires payment processing availability information, which is information indicating whether payment processing is possible,
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. Information output section and
Wage prepaid server,
It also provides a wage prepayment system to own.

Furthermore, as the sixth invention, based on the fifth invention,
The Labor Status Information Management Department, which manages the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The Labor Status Information Holding Department, which holds the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The prepaid amount calculation unit that calculates the prepaid amount based on the labor status information associated with the worker identification information,
The prepaid amount record holding unit that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving unit that receives a prepayable amount acquisition request that is a request for acquisition of the prepayable amount associated with the worker identification information from the wage prepayment server.
A response transmitter that transmits the prepaid amount associated with the worker identification information received in response to the reception of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition department
A prepaid amount request transmitting means for transmitting a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and a method for transmitting the prepaid amount request.
A prepaid amount receiving means for receiving a prepaid amount as a response to the request from the labor status management server, and a prepaid amount receiving means.
Provide a wage prepayment system with.

Furthermore, as the seventh invention, based on any one of the fifth and sixth inventions,
The user credit card payment processing request department of the wage prepayment server
Provided is a wage prepayment system having a credit card payment agency transmission means for transmitting a user credit card payment processing request to a credit card payment agency and / and a credit card company.

Furthermore, as the eighth invention, based on any one of the fifth to seventh inventions,
Wage prepaid server
If the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible, payment processing refusal information, which is information that payment processing is not possible, is used as the worker identification information that requested the wage prepayment. Provided is a wage prepayment system further comprising a payment processing refusal information transmitter for transmitting to a terminal used by a user identified by the user identification information associated with.

Furthermore, as the ninth invention, based on any one of the second to fourth inventions and the sixth to eighth inventions,
Wage prepaid server
The worker identification information of the worker who executed the prepayment processing and the prepayment amount information indicating the prepayment amount which is the prepayment amount processed for the worker are associated with the prepayment processing result information to the labor status management server. It has a prepaid processing result information output unit that outputs to
The labor status management server receives the prepaid processing result information receiving unit for receiving the prepaid processing result information.
It also provides a wage prepayment system to have.

Furthermore, as the tenth invention, based on any one of the second to fourth and sixth to ninth inventions,
The labor status management server is
The Wage Information Acquisition Department, which acquires wage information including the wage amount of the worker based on the labor status information held in association with the worker identification information,
The wage information holding department that holds the acquired wage information,
A wage information output unit that outputs the held wage information,
Provide a wage prepayment system that also has.

Furthermore, as the eleventh invention, based on any one of the second to fourth and sixth to tenth inventions,
The labor status management server is
The wage claim information acquisition department that acquires wage claim information in association with worker identification information based on the retained labor status information,
The wage claim information holding department that holds the acquired wage claim information in association with the worker identification information,
The wage claim information output unit that outputs the held wage claim information in association with the worker identification information,
Provide a wage prepayment system that also has.

Furthermore, as the twelfth invention, based on any one of the second to fourth and sixth to eleventh inventions,
The labor status management server is
It also has a prepaid amount calculation rule holding unit that holds one or more prepaid amount calculation rules, which is a rule for calculating the prepaid amount based on wage receivable information.
The prepaid amount calculation department of the labor situation management server is
Calculate the prepaid amount by associating it with the worker identification information based on the held prepaid amount calculation rule and wage claim information.
Provide a wage prepayment system.

Furthermore, as the thirteenth invention, based on the twelfth invention,
The labor status management server is
It also has a prepaid result history information storage and holding unit that stores and holds prepaid result history information, which is a history of prepaid processing result information in association with worker identification information.
The prepaid amount calculation rule holding unit holds a history-dependent prepaid amount calculation rule, which is a rule for calculating the prepaid amount based on the prepaid result history information and wage receivable information. ,
Provide a wage prepayment system to have.

Furthermore, as the fourteenth invention, based on the thirteenth invention,
The prepaid result history information storage and retention unit of the labor status management server
A method for creating a prepaid result history report that periodically creates a report based on the accumulated prepaid result history information, and
further,
Accumulation of prepaid result history report Prepaid result history report storage means,
Outputting the prepaid result history report The prepaid result history report output means and
Provide a wage prepayment system with.

Furthermore, as the fifteenth invention, based on the fourteenth invention,
The prepaid result history report output means of the labor status management server is
Create a report that periodically outputs based on the prepaid result history information of workers who provide labor to multiple employers, separately for each user, and output it to the corresponding employer. With
Receive the wage and prepayment history information separately from one or more employers identified by the employer identification information associated with the worker identification information, or from all the one or more employers. A worker-oriented prepayment result history report output device that outputs one or both of the total results of wages and prepayment history to the worker identified by the worker identification information.
Provide a wage prepayment system to have.

Furthermore, as the sixteenth invention, based on the twelfth to fifteenth inventions,
The labor status management server is
The wage prepayment system is provided in which the prepayable amount calculation rule holding unit further has a prepayable amount calculation rule holding means for each worker that holds the prepayable amount calculation rule in association with the worker identification information.

Furthermore, as the seventeenth invention, based on the sixteenth invention,
The labor status management server is
Provided is a wage prepayment system having a change part related to a prepayable amount calculation rule that changes the association between the worker identification information and the prepayable amount calculation rule.

Furthermore, as the eighteenth invention, based on any one of the sixteenth and seventeenth inventions,
The labor status management server is
Provide a wage prepayment system that further has a prepayable amount calculation rule editorial department for editing prepayable amount calculation rules.

Furthermore, as the nineteenth invention, based on any one of the first to eighteenth inventions,
The Attendance Information Acquisition Department, which acquires the attendance information of the worker in association with the worker identification information,
A labor status information output unit that outputs the acquired attendance information as labor status information,
It provides an attendance management server with a wage prepayment system.

Furthermore, as the twentieth invention, based on any one of the tenth invention and the eleventh to nineteenth inventions subordinate to the tenth invention,
The labor status management server is
A wage transfer processing unit that performs wage transfer processing, which is a process for wage transfer of a worker identified by the worker identification information associated based on the output wage information,
Wage transfer processing result holding unit that holds the result of wage transfer processing,
The wage transfer processing result output unit that outputs the held wage transfer processing result,
Provide a wage prepayment system that also has.

Furthermore, as the 21st invention, based on any one of the 1st to 20th inventions,
Wage prepaid server
The password information registration department that registers password information in association with user identification information and / and worker identification information,
A password information holding unit that holds the registered password information in association with the user identification information and / and the worker identification information,
A password information reception unit that receives password information in association with user identification information and / and worker identification information from the terminal used by the user, and
The password information judgment unit that judges whether the received password information is genuine based on the retained password information,
A screen that provides a screen for outputting the prepaid processing result information to the terminal used by the user or / and the worker when the judgment result in the password information judgment unit is the judgment result of authenticity. With the provider
Provide a wage prepayment system that also has.

Furthermore, as the 22nd invention, based on the 21st invention,
The password information registration department of the wage prepaid server
Provided is a wage prepayment system having a biometric password information registration means for registering any one or more of fingerprint, retina, face, voice, vein pattern, and palm pattern as password information.

Furthermore, as the 23rd invention, based on any one of the 1st to 22nd inventions,
Wage prepaid server
The fee information acquisition department that acquires fee information, which is information about fees,
Provide a wage prepayment system to have.

Furthermore, as the twenty-fourth invention, based on the twenty-third invention,
The user credit card payment processing request unit adjusts the credit card payment processing request based on the acquired fee information.
It also provides a wage prepayment system to have.

Furthermore, as the twenty-fifth invention, based on the twenty-third invention,
The prepaid processing information output unit provides a prepaid processing information adjustment means that adjusts the prepaid processing information based on the acquired fee information.
It also provides a wage prepayment system to have.

Further, as the twenty-sixth invention, a wage prepaid server based on any one of the first to twenty-five inventions is provided.

Further, as the twenty-seventh invention, a labor situation management server based on any one of the second to fourth inventions and the sixth to twenty-five inventions is provided.

Further, as the twenty-eighth invention, an attendance management server based on any one of the nineteenth invention and the twenty-fifth inventions subordinate to the nineteenth invention is provided.

Further, each operation method corresponding to the wage prepaid system of the first to twenty-fifth inventions, and each operation program are also provided. Further, each operation program may be recorded on a recording medium.
Further, each operation method corresponding to the wage prepaid server of the twenty-sixth invention and each operation program are also provided. Further, each operation program may be recorded on a recording medium.
Further, each operation method corresponding to the labor situation management server of the twenty-seventh invention and each operation program are also provided. Further, each operation program may be recorded on a recording medium.
Further, each operation method corresponding to the attendance management server of the twenty-eighth invention and each operation program are also provided. Further, each operation program may be recorded on a recording medium.

According to the present invention mainly having the above configuration, when a company performing a prepaid agency receives a prepaid agency business consignment from an employer, it is necessary to receive a prepaid reserve and to pay the cost of conducting a sufficient credit check. It is possible to carry out prepaid agency as a business without taking financial risk by itself, and it is possible to perform prepaid agency not only for large enterprises but also for small and medium-sized enterprises and micro enterprises.

Functional block diagram of the invention according to the first embodiment Schematic diagram of the operation of the invention according to the first embodiment The hardware diagram of the invention according to the first embodiment. Functional block diagram of the invention according to the second embodiment Diagram of operation flowchart of the invention according to the second embodiment The hardware diagram of the invention according to the second embodiment. Functional block diagram of the invention according to the third embodiment Diagram of operation flowchart of the invention according to the third embodiment The hardware diagram of the invention according to the third embodiment. Functional block diagram of the invention according to the fourth embodiment Schematic diagram of the operation of the invention according to the fourth embodiment The hardware diagram of the invention according to the fourth embodiment. Functional block diagram of the invention according to the fifth embodiment Schematic diagram of the operation of the invention according to the fifth embodiment The hardware diagram of the invention according to the fifth embodiment. Functional block diagram of the invention according to the sixth embodiment Schematic diagram of the operation of the invention according to the sixth embodiment The hardware diagram of the invention according to the sixth embodiment. Functional block diagram of the invention according to the seventh embodiment Diagram of operation flowchart of the invention according to the seventh embodiment The hardware diagram of the invention according to the seventh embodiment. Functional block diagram of the invention according to the eighth embodiment Diagram of operation flowchart of the invention according to the eighth embodiment The hardware diagram of the invention according to the eighth embodiment. Functional block diagram of the invention according to the ninth embodiment Schematic diagram of the operation of the invention according to the ninth embodiment The hardware diagram of the invention according to the ninth embodiment. Functional block diagram of the invention according to the tenth embodiment Schematic diagram of the operation of the invention according to the tenth embodiment The hardware diagram of the invention according to the tenth embodiment. Functional block diagram of the invention according to the eleventh embodiment Schematic diagram of the operation of the invention according to the eleventh embodiment The hardware diagram of the invention according to the eleventh embodiment. Functional block diagram of the invention according to the twelfth embodiment Diagram of operation flowchart of the invention according to the twelfth embodiment The hardware diagram of the invention according to the twelfth embodiment. Functional block diagram of the invention according to the thirteenth embodiment Diagram of operation flowchart of the invention according to the thirteenth embodiment The hardware diagram of the invention according to the thirteenth embodiment. The functional block diagram of the invention according to Embodiment 14. Schematic diagram of the operation of the invention according to the fourteenth embodiment The hardware diagram of the invention according to Embodiment 14. The functional block diagram of the invention according to Embodiment 15. Schematic diagram of the operation of the invention according to the fifteenth embodiment The hardware diagram of the invention according to Embodiment 15. The functional block diagram of the invention according to Embodiment 16. Schematic diagram of the operation of the invention according to the sixteenth embodiment The hardware diagram of the invention according to Embodiment 16. The functional block diagram of the invention according to Embodiment 17. Schematic diagram of the operation of the invention according to the seventeenth embodiment The hardware diagram of the invention according to Embodiment 17. The functional block diagram of the invention according to Embodiment 18. Schematic diagram of the operation of the invention according to the eighteenth embodiment The hardware diagram of the invention according to Embodiment 18. The functional block diagram of the invention according to Embodiment 19. The functional block diagram of the invention according to Embodiment 19. Schematic diagram of the operation of the invention according to the nineteenth embodiment The hardware diagram of the invention according to Embodiment 19. Functional block diagram of the invention according to embodiment 20 Schematic diagram of the operation of the invention according to the twentieth embodiment The hardware diagram of the invention according to Embodiment 20. The functional block diagram of the invention according to Embodiment 21. Schematic diagram of the operation of the invention according to the twenty-first embodiment The hardware diagram of the invention according to Embodiment 21. The functional block diagram of the invention according to Embodiment 22 Diagram of operation flowchart of the invention according to the twenty-second embodiment The hardware diagram of the invention according to the twenty-second embodiment. Functional block diagram of the invention according to the 23rd embodiment Schematic diagram of the operation of the invention according to the 23rd embodiment The hardware diagram of the invention according to Embodiment 23. Functional block diagram of the invention according to the twenty-fourth embodiment Schematic diagram of the operation of the invention according to the twenty-fourth embodiment The hardware diagram of the invention according to the twenty-fourth embodiment. Functional block diagram of the invention according to the 25th embodiment Schematic diagram of the operation of the invention according to the 25th embodiment The hardware diagram of the invention according to Embodiment 25. Schematic diagram of the overall configuration of the invention according to the first and fifth embodiments. The management screen of the invention according to the first and fifth embodiments. Attendance list screen of the invention according to the first and fifth embodiments. Worker list screen of the invention according to the first and fifth embodiments. Worker information screen of the invention according to the first and fifth embodiments. Wage schedule screen of the invention according to the first and fifth embodiments. Prepaid history screen of the invention according to the first and fifth embodiments. The user credit card identification information screen of the invention according to the first and fifth embodiments. FIG. 6 is a conceptual diagram of a processing flow of the invention according to the first, third, fifth and seventh embodiments. FIG. 6 is a conceptual diagram of a processing flow of the invention according to the first, third, fifth and seventh embodiments. Workplace registration screen of the invention according to the first and fifth embodiments. Prepaid application amount input screen for the inventions according to the first and fifth embodiments. Prepaid application amount input screen for the invention according to the fifth embodiment. Prepaid application screen for the invention according to the first embodiment. Prepaid application screen for the invention according to the fifth embodiment. Prepaid history display screen of the invention according to the 25th embodiment. The prepaid history display screen of the invention according to the twenty-fourth embodiment.

<Outline of Embodiment 1> Claims 1, 5 and 9 (request judgment type prepaid basic)
FIG. 1 is a diagram showing a functional block of the wage prepaid system of the present embodiment. As shown in the figure, the wage prepayment system acquires the prepayable amount when there is a prepayment request for the desired amount, determines whether the prepayment is possible, and if it is determined that the prepayment is possible, the worker is notified. Use the credit card used by the employer to process the bill for prepayment. Then, when it becomes clear that the processing is possible, or when the billing process for prepayment is completed, the desired amount of the prepayment request from the bank account or the like owned by the prepayment agency in response to the prepayment request (commission from the desired amount). May be deducted) is started to be transferred to the worker's bank account, electronic money account, etc. The processing for remittance includes various things such as fund transfer processing, electronic money remittance, virtual currency remittance, and charge to prepaid points.

The operation of the present invention includes systems (computers, information storage devices, etc.) managed by prepaid agents, communication networks, smartphones and tablet PCs for workers to make prepaid requests, and other portable and stationary information processing. Devices, and in some cases, PCs and mobile terminals used by users to check the prepaid usage status of workers are used. FIG. 76 shows an example of an overall outline of this system. Wage prepayment agency, employer A, employer B, employed worker A and worker B, credits related to confirmation of prepayment payment availability using the wage prepayment system provided by the wage prepayment agency Card payment agency A and credit card payment agency B, credit card company A and credit card company B used by the user are connected via the Internet, wage prepayment request, prepayable amount, credit card payment processing availability information, etc. Exchange information.

In addition, a smartphone or the like for a worker to make a prepayment request holds a dedicated application for connecting to the input screen of the prepayment request of the wage prepayment system, and the dedicated application is opened and executed at the time of execution. Is preferable.

Alternatively, a smartphone or the like for a worker to make a prepaid request is equipped with an Internet browser and can be operated. When making a prepaid request, access a predetermined URL constituting a predetermined prepaid request screen and go to the web. It may be configured to enter the required items of the prepaid request from the top.

When sending a prepayment request with a dedicated application, the worker identification information is held in the dedicated application, and when accessing the wage prepayment system, the worker identification information is automatically attached and accessed. When accessing the wage prepayment system on a web basis, the worker identification information used for the access is registered in advance in the browser, and the access is automatically performed when the access is performed. It may be configured so that the access is performed with the worker identification information attached, or the worker identification information input field may be provided on the web page so that the worker identification information can be input. Due to security issues, prepaid wage remittance destinations should be registered under strict security management when workers register with the wage prepaid system, after which they can be changed or modified under sufficient configuration for identity verification. , Should not be configured so that it can be changed or modified by simply entering the worker identification information each time a prepayment request is made. This is because it is necessary to effectively prevent the act of pretending to steal the wages of other workers by using the wage prepayment system. In order to improve security, information that identifies the hardware of the smartphone or the hardware that accesses the specified URL from the web is associated with the worker identification information and registered in the wage prepayment system, and the association is performed. It is also possible to configure it so that the wage prepayment process is not executed when there are different accesses. When the wage prepayment system is accessed from hardware other than the specified hardware, it is advisable to notify the worker of the access. In addition, as personal authentication when connecting to the prepaid request screen of the wage prepaid system using a dedicated application from a device of a smartphone or tablet terminal, a face authentication system using a built-in camera, a voice authentication system using a microphone, etc. are used. It may be used together, or if the device is equipped with a fingerprint authentication sensor for confirming personal authentication, the function may be used.

<Embodiment 1 Functional Configuration>
As shown in FIG. 1, the wage prepayment system of the first embodiment is a wage prepayment server (0100), an employer / worker identification information holding unit (0101), a credit card identification information holding unit (0106), and a money system. Identification information holding unit (0102), wage prepayment request acquisition unit (0107), prepayable amount acquisition unit (0103), prepayment availability determination unit (0108), user credit card payment processing request unit (0104) It is configured to include a payment processing availability information acquisition unit (0109) and a prepaid processing information output unit (0105).

The above functional block is an example for carrying out the present invention, and the function may be appropriately omitted or a new function may be added within a range consistent with the problems to be overcome by the present invention and its effects. Good.

Each functional block constituting the wage prepayment system described below may be realized by hardware, software, or any of hardware and software. Specifically, if a computer is used, a CPU, main memory, GPU, image memory, graphic board, bus, or secondary storage device (hardware, non-volatile memory, storage medium such as CD or DVD, and them). Input devices such as operation buttons used for inputting information, mice, touch panels, electronic pens used exclusively for the purpose of touching touch panels, joysticks or pointer position input devices similar to joysticks, and other external peripherals. Hardware components such as devices, interfaces for external peripheral devices, GPS reception interfaces, GPS computing devices, gyro sensors, acceleration sensors, rotation detection sensors, signal processing devices for these sensors, cameras, image file processing circuits , Communication interface, ATM (automatic cash deposit machine), bill authenticity inspection device, exchange machine, bar code reader, POS terminal, face authentication device, encryption device, fingerprint authentication device, palm print authentication device, retinal authentication device, etc. Examples include authentication devices, driver programs for controlling those hardware, and other application programs. In particular, smartphones, tablet terminals, mobile phones, smart watches, personal computers, data center server devices, wired / wireless networks and interfaces are used.

By the arithmetic processing of the CPU according to the program expanded on the main memory, the data input from the input device or other interface and held in the memory or hardware can be processed and accumulated, or the hardware or software mentioned above. Instructions to control the are generated. Here, the above program may be realized as a plurality of modularized programs, or may be realized as one program by combining two or more programs.

Further, the present invention can be partially configured as software. Further, a storage medium on which such software is recorded is naturally included in the technical scope of the present invention (not limited to this embodiment, but throughout the specification).

<Explanation of Embodiment 1 Configuration>
<Embodiment 1 Employer-Worker Identification Information Holding Unit (0101)>
The "employer-worker identification information holding department (0101)" provides worker identification information that identifies the worker who receives compensation for labor and compensation for labor to the worker identified by the worker identification information. It is configured to associate and retain user identification information that identifies the user who pays the wages. "Worker identification information" refers to information that can uniquely identify a worker within this system. It may be identification information (for example, an employee number, an e-mail address, a telephone number of a smartphone or the like possessed by the worker, etc.) used by the worker in a company or the like that is the employer. In this case, the worker identification information may be the employer identification information plus the identification information used by the worker used by the employer in the company or the like. For example, the first N digits can be assigned to the employer identification information, and the last M digits can be assigned to the worker identification information used by the employer. Since the worker identification information configured in this way also includes the employer identification information, it can be said that the information is related to both. FIG. 79 shows an example of a worker list screen employed by an employer. An example of employer-worker identification information is shown. The employer is Tanaka Shoten Co., Ltd., and three workers are listed: Taro Yamada, Hanako Suzuki, and Saburo Ito. The user identification code of Tanaka Shoten Co., Ltd. is "ABCDFF", and for example, the worker-specific identification number of Mr. Taro Yamada is "345200123". Therefore, the employer worker identification code that associates Mr. Taro Yamada, who is a worker of Tanaka Shoten Co., Ltd., with the employer can be "ABCDEF345200123".

A "worker" can include anyone who receives compensation for labor. Therefore, "workers" include not only those who are employed, but also those who are outsourced, those who are dispatched to provide labor, those who provide labor on a part-time basis, It can include one or more of those who provide labor on a daily basis, those who provide labor on a part-time job, and so on. In addition, the type of labor provided does not matter. For example, corporate sales, individual sales, route sales / rounders, telephone pointers (tele appointments), sales assistants, planners / advisors / consultants, dispatch coordinators, sales executive candidates, general affairs, accounting affairs, sales affairs, reception / secretaries, slips. Arrangement / data entry, telephone support / call center, personnel / general affairs / legal affairs, planning / marketing / public relations, insurance / financial related, apparel / shoe clerk, convenience store clerk, supermarket / department store clerk, home appliance mass retailer clerk, mobile shop / mobile sales Clerk, interior / miscellaneous goods store clerk, drug store / cosmetics sales / registered seller, bookstore / rental / CD shop clerk, home center / car supplies store clerk, accessories / jewelry clerk, flower shop clerk, pet shop clerk, store manager / manager ( Sales), store manager, family restaurant / restaurant clerk, fast food clerk, tavern / dining bar clerk, cafe / coffee shop clerk, ramen / udon / soba clerk, yakiniku / shabushabu clerk, sushi / Japanese / set meal clerk, food court Clerk, bakery / cake shop / sweets shop clerk, home delivery / delivery staff, lunch / takeout food clerk, cook / cooking assistance, hall staff, kitchen staff, hall + kitchen staff, washing place / dishwashing staff, tasting / tasting Responsible, store manager / manager (food / drink / food) showroom / real estate customer service, gas station staff, cleaning shop clerk, delivery clerk, car rental / dealer / used car sales clerk, travel company / tour conductor, funeral / ceremony staff, wedding hall / bridal Staff, newspaper store clerk / delivery staff, moving staff, car wash / pit service / tire replacement staff, guards / guards, traffic guidance, cleaners / room make staff, building / house cleaning staff, managers, meter readers, sampling Distribution staff, front desk / reception (service), store manager / manager (service / security / cleaning), karaoke staff, pachinko staff, movie theater / game center / bowling ground staff, hot spring / public bath / super public bath staff, golf course staff / reception・ Maintenance staff, gym / pool staff, hotel / inn / pension reception, bathroom management, cleaning staff, cram school teacher / home teacher, nursery teacher / kindergarten teacher, instructor / coach, examination director, barber, barber, barber assistant , Hair make / make up / dressing / stylist, hair make, make up, Dressing, stylist and assistant, esthetic nail, esthetician, relaxation therapist, front desk / receptionist (barber / beauty), store manager / manager (barber / beauty), assistant (barber / beauty), nurse, associate nurse, midwife , Public health nurse, medical office / receptionist, medical engineer, care worker, care manager, care staff / helper, care office, dental hygiene / dental assistant, pharmacist, manipulator / judo rehabilitator, nutritionist / management nutritionist, facility In-house cooking / cooking assistance, occupational therapist, physical therapist, child instructor / after-school child support staff, counselor, small / medium-sized driver, large driver, taxi / higher / bus driver, motorcycle flight, driver assistant, dispatch / roll call Staff, pick-up driver, home delivery / delivery staff, newspaper delivery / milk delivery, assembly / inspection / sorting / picking / packing staff, food manufacturing / processing / inspection / packing staff, machining / machine operator, forklift work / slinging / crane work Personnel, machine maintenance personnel, quality control / production control / process control staff, equipment maintenance / equipment management / inspectors, in-house / homeworkers, line operators, CAD / CAM operators, welders, system engineers (SE), Programmers, user support staff, WEB designers, designers / illustrators, DTP operators, design / drawing staff, printing / bookbinding staff, calibration / editing staff, writers / reporters / photographing staff, media personnel, cooks / nutritionists, tax accountants / accountants , Interpreter / translator, trimmer, research / development related person, massager / crane / acupuncturist, mechanic, police / self-defense officer, repair / maintenance staff, painter, welding / sheet metalwork, electricity / water / gas・ Air conditioning equipment construction personnel, landscaping personnel, architects, heavy equipment operators, site supervisors, carpenters / tongues / craftsmen, slings / crane operators, people involved in agriculture / forestry / fishery / livestock industry, decontamination workers , Etc. may be included.

"Employer" means a person who conducts business by receiving labor provided by a worker. It can be said that it is the entity that pays the compensation for labor to the workers. It can include all cases such as a corporation or an organization that is a corporation, a union or other non-corporate organization, or a natural person such as a sole proprietor.

In addition, this wage prepayment system is a system that provides a service that substantially prepays wages to workers, but all workers held by the Employer Worker Identification Information Holding Department (0101) You are not limited to being authorized to receive this service. For example, this use as a worker who has an employment relationship with the employer as a new employee, just as it requires a prescribed working period before paid leave becomes available to a new employee hired by the employer. Even if it is identified by the worker identification information that identifies the worker held by the Worker Identification Information Holding Department (0101), it does not guarantee the authority to receive the services of this system as described above. Good. Therefore, the worker identification information held in this holding unit can be further configured to be associated with a service authority flag, which is a flag indicating the authority to enjoy the service by this system.

The information held in the employer-worker identification information holding unit (0101) will be recorded and retained when the employer registers to receive the services of the wage prepayment system. Initially, the employer identification information and the worker identification information are registered at the same time, but after that, the information held by the worker of the same employer who retires or is newly hired is corrected. The Rukoto. When an employer withdraws from the service of the wage prepayment system, the employer identification information and the worker identification information associated with the employer identification information are deleted in principle. If an M & A or the like occurs in the employer, the worker identification information may not be changed and the employer identification information that is desired to be associated with the worker identification information may be modified. Workers may enter their own personal information into the system. The one entered by the worker may be registered directly, or the employer may be registered after confirming and approving the contents. FIG. 85 shows a work place registration screen by a worker. In this example, Mr. Taro Yamada, a worker, is employed at two locations, Tanaka Shoten Co., Ltd. and Grill Sato. Enter a place of employment and press the add place of employment button to add a new place of employment to the list, and send and associate the personal information (name, contact information, etc.) of the worker registered in the system to the new place of employment. Can be configured to do.

In addition, the user attribute information holding unit that holds the attribute information of the user in association with the user identification information and the worker attribute information holding unit that holds the attribute information of the worker in association with the worker identification information are further added. It can also be configured to be provided in this system. The user attribute information holding unit includes company information, product / service information, etc., but if there is an affiliated company, the affiliated company (user) identification information may be included as the affiliated company. ..
Further, it may be configured so that a plurality of employer identification information and one worker identification information are associated with each other. This is because there are cases where one worker belongs to multiple companies or is employed by multiple natural persons.

<Embodiment 1 Credit Card Identification Information Holding Unit (0106)>
The "credit card identification information holding unit (0106)" is configured to hold the credit card identification information which is the credit card identification information available to the user in association with the user identification information.
FIG. 83 shows an example of credit card identification information. The card information of Mr. Ichiro Tanaka of Tanaka Shoten Co., Ltd. is registered. As credit cards, American Express (registered trademark of American Express Marketing and Development Corporation) operated by American Express International Incorporated and JCB Card (registered trademark of JCB Co., Ltd.) operated by JCB Co., Ltd. It shows the state where two types of card information are registered. In this example, the card number and the expiration date are directly registered.

"Credit card identification information" is information for identifying a credit card that can withdraw money from an account controlled by the user (mainly, but not limited to, a bank account), and credits worldwide. The card can be uniquely identified. However, it is sufficient if the credit card can be uniquely identified, and it does not have to be the credit card number, the security code added to it, or the expiration date itself. For example, the identification information associated with the credit card number by the credit card payment agency may be used. By assuming that the credit card can be used by the user, it means that the user has passed the credit examination of the credit card company, and in this system, the business operator acting as a wage prepayment agent. The credit risk of the user, which had to be borne by the credit card company, was avoided by using the credit of the credit card company. In addition, instead of or in addition to the credit card, the prepaid card identification information or the debit card identification information can be used so that the prepaid card or the debit card can be used.

A "credit card" is a postpaid payment method that pays the usage fee later, and payment is often made the following month after the details are sent on the closing date. There are various payment methods such as installment payment and revolving payment. As mentioned above, since customers are required to have a certain amount of credit because they are postpaid, unlike prepaid cards and instant debit cards, they are screened at the time of enrollment. There are two types of credit cards, one with a magnetic stripe and the other with an IC. When payment is made with an IC, payment can be made by entering a PIN instead of a signature.

When using a credit card payment agency in this system, the credit card number of the credit card identified by the credit card identification information associated with the user identification information and, in some cases, the security code are settled by credit card. When the user registers with the agency, the credit card settlement agency issues the credit card identification information used by the credit card settlement agency, which is different from the credit card number, and the operator of the wage prepayment system asks. The identification information may be retained in association with the user identification information. At this point, as a contract between the employer and the administrator or management company of the wage prepayment system, if the worker who provides the labor to the employer requests the prepayment of wages, the amount equivalent to the prepayment. There is a contract that the credit card company may be charged (the fee of the wage prepayment agency may be converted). This agreement is preferably stored in writing or electronically in this system or in related systems of this system.

This credit card identification information is used by the credit card identification information holding unit (0104), which is a payment processing request by the user credit card payment processing request unit (0104), which will be described later, even if the authority is not fulfilled due to the payment processing refusal as a result of the authority request. It can also be configured to remain and hold at 0106). This is because the refusal of payment processing may recover in the future and change to allow payment processing. Therefore, it is conceivable to keep such credit card identification information associated with flags such as normally available and payment suspended so that the credit card identification information can be distinguished from credit cards that perform normal functions. It is preferable to provide a flag changing unit for changing this flag. It is preferable that this flag changing unit is configured to be automatically changed according to the result of a reply to an authority request which is a credit card payment processing request from a credit card company or a credit card settlement agency. If the payment processing request does not return to the state in which payment processing is possible within a predetermined period, the credit card identification information may be deleted from the credit card identification information holding unit (0106). Good. This is processed by the credit card identification information deletion unit or the like.

Further, since the credit card identification information is changed due to the loss or theft of the credit card, it is preferable to configure the credit card identification information to be changed by the authority of the user. This is configured so that the user identification information and the credit card identification information change unit can be accessed by a password or the like so that the user or an authorized person can change the information. By inquiring "Available amount = Usage limit-Unpaid usage amount" to the credit card company, the validity of the credit card identified by the credit card identification information is checked and associated with the above-mentioned flag. You can also do it. This inquiry is made directly to the server of the credit card company, etc., and the credit card validity judgment department of this system directly diagnoses when a new credit card is registered or the recovery of the credit card for which payment is suspended on a regular basis. It may be configured to perform communication, make a judgment, and issue an instruction to rewrite the flag.

<Embodiment 1 Money System Identification Information Holding Unit (0102)>
The "money system identification information holding unit (0102)" is limited to worker identification information and money system identification information (typically a bank account) that can be used by workers identified by the worker identification information. It does not include, but is not limited to, electronic money charge ID, prepaid card ID, debit card ID, virtual currency account, and identification information of a point account from which goods and services can be purchased.) , Are configured to be associated and held.

The "money system identification information" is used as information for identifying the destination to which the prepaid wages are to be remitted when the prepaid wages are executed. Two or more money system identification information may be associated with one worker identification information, and when making a wage prepayment request, the worker may select one remittance destination from multiple remittance destinations or prepay. The system may be provided with a remittance destination selection unit that divides wages into a plurality of remittance destinations and allocates each amount from a plurality of remittance destinations. FIG. 80 shows a holding list screen of various information of workers. Two financial institutions are registered as name, gender, age, mobile phone number as contact information, e-mail address, and money system information when using the wage prepayment system. As a financial institution 1, an ordinary account of the Yurakucho branch of Chiyoda Bank is registered as an example of a bank account, and as a financial institution 2, LINE Pay (registered trademark of LINE Co., Ltd.) operated by LINE Pay Co., Ltd. is registered.

The money system identification information can be configured to be registered at the same time as the worker is registered in the system. In addition, the worker may be made to change or add the money system identification information once registered. For example, in this system, it is possible to configure the money system identification information editing unit to have such a function. The money system identification and editorial department can be configured so that the change is registered by inputting the worker identification information and the password from the worker. It is preferable to configure this change so that it can be changed from the web page using the Internet. In addition, it may be configured so that it can be registered by operating the numeric keypad (including alphabets and other types of characters and symbols) according to the voice guidance of the telephone.

<Embodiment 1 Wage Prepaid Request Acquisition Department (0107)>
The “Wage Prepaid Request Acquisition Department (0107)” is configured to acquire a wage prepayment request including a wage prepayment request that associates a worker identification information with a desired amount from a worker. Here, "acquisition" is intended to include internal generation and external acquisition, and is the same throughout the specification.

A "wage prepayment request" is a money system identified by money system identification information that has the same or approximate value as money or money, and the wages are paid in advance for the purchase of goods or services. It is a request to make it available. For example, when a worker suddenly spends money but cannot afford to cover the cost, the worker requests prepayment of wages to the employer who provided the work. Information for making a request.

The "desired amount" is, for example, when the worker's bank account is the object to be identified by the money system identification information, the amount actually to be transferred to the bank account, and the system based on the desired amount. It can be divided into cases where it is assumed that the amount after deducting the administrator / operator's fee will be transferred, and cases where it is assumed that the amount will be transferred, but in the present invention, both cases are included. The bank account used by the worker may be registered in this system, and the desired amount may be set to a negative amount so that the prepaid wage can be returned. In this case, the amount equivalent to the prepaid wage will be remitted from the balance of the registered bank account to the bank account or the like managed by the person who manages or operates the wage prepaid server. A bank account is taken as an example, but the same applies to electronic money outside the bank. In addition, the wage prepayment request can be configured to enable the wage prepayment reservation by associating the information indicating the prepayment timing with the wage prepayment request. In a normal configuration, a wage prepayment request is output, and if the request is approved, the wage prepayment process is executed at the fastest speed that can be processed by the system. When a certain purpose, for example, payment of utility charges, must be used, wage prepayment is executed on the due date of the utility charges, etc. in order to eliminate the possibility of wasting the money. There is a merit to make a prepaid wage reservation.

<Embodiment 1 Prepaid Amount Acquisition Department (0103)>
The “prepaidable amount acquisition unit (0103)” is configured to acquire the prepaid amount, which is the prepaid amount, in association with the worker identification information. Since the source of acquisition of the prepaid amount is the labor record of the worker at the employer as basic information, the prepaid amount is calculated in the wage prepayment system based on the labor record. May be good. As mentioned above, the prepaid amount is the total amount of money that has already been provided to the employer, but the prescribed wage payment date has not arrived, so there is a right to claim compensation, but the amount has not yet been paid. Or part of it. It can be said that it is all legally, but if the worker's life becomes unstable by paying the full amount in advance, or if there is money such as social insurance premiums and taxes that the employer should pay on behalf of the worker If the prepayment is not made with a margin, the user may incur extra expenses, so it is possible to configure the system so that the full prepayment is not allowed.

For example, it is conceivable to give a discount by setting a factor on the legally prepaid wage amount according to the situation of the factors to be considered. Factors that should be taken into consideration at this time are the amount to be deducted from the worker's labor consideration on the employer side (social insurance premiums, taxes, corporate pensions, union fees, travel reserve expenses, banquet reserve expenses, tea charges, light meals). Fees, cover fees, clothing costs, uniform costs, clearing transportation costs, food supply costs, welfare costs, etc.), which should be deducted directly from legally prepaid wages. In addition, as another factor, the worker's daily work performance (years of service, commendation performance, attendance, absenteeism without notice, frequency of sick leave, etc.) → These evaluations are performed by the rating method, and the rating may be adjusted according to the rating. The worker's past problematic behavior (for example, damage to property, damage to goods, injury, trouble with customers, violation of job discipline, violation of job order, and other illegal acts) → Rating according to the severity of the problem, the higher the severity rating, the smaller the scale), the worker's past wage prepayment record (frequency, history of amount, etc. → The higher the frequency and amount, the larger (Make the hook smaller) and so on. In other words, in the case of a good rating of the factors, (legal prepaid wage amount-planned deduction amount) x M%, and in the case of a bad rating, (legal prepaid wage amount-planned deduction amount) x N%. It is configured so that M> N. The acquired prepayable amount information is used to determine whether the desired amount prepayment included in the wage prepayment request is possible.

FIG. 77 shows an example of Mr. Taro Yamada who works at Tanaka Shoten Co., Ltd. as an example of an information holding screen such as the total planned wage, the total amount of prepaid wage, and the amount of prepaid wage. The basic salary is 1000 yen, and as shown in various worker information in FIG. 80, since he is a shift leader, an evaluation premium rate of 10% is given. FIG. 78 shows the working conditions of Mr. Taro Yamada in April and May 2020. Tanaka Shoten Co., Ltd. pays wages on the 24th of the following month with the actual working conditions closed at the end of the month. If you are applying for prepayment on May 10th today, the status of work hours and holidays from April 1st to May 9th the day before is shown. Normally, if you work 8 hours / day, for example, you work 9 hours on April 17, so you will be working overtime for 1 hour. FIG. 81 shows, for example, Mr. Taro Yamada's planned wage amount in May 2020 and the consideration for labor until May 9. In April, he went to work for 25 days and worked for a total of 203 hours, of which 5 hours were overtime with overtime allowance and 198 hours were overtime. In May, I work for 8 days, and only work within hours is 64 hours. Since the evaluation premium rate is 10% and the overtime premium is 25%, the amount worked in April is (198 hours x 1000 yen x 110%) + (5 hours x 1000 yen x 110% x 125%) = 224,675 yen. Similarly, the amount worked in May is (64 hours x 1000 yen x 110%) = 70,400 yen. In addition to the estimated amount of fees that will be incurred each time you receive prepaid payments using social insurance premiums and the wage prepaid system, if you receive all labor compensation in advance, there is a concern that the lives of workers will become unstable, so the full amount will be paid in advance. The deduction rate is set to 50% so as not to. Therefore, (224,675 yen + 70,400 yen) x (100% -50%) = 147537.5 yen is the amount excluding the deduction amount. When the prepaid target is in units of 1000 yen, the total amount that can be prepaid is 147,000 yen, which is the amount rounded down to the nearest 1000 yen. FIG. 82 shows an example of a list of prepaid history. FIG. 82 shows an example when the fee for using the wage prepayment system is configured to be included in the prepayment amount and settled. Mr. Taro Yamada has already received two advance payments of 10,000 yen on April 23 and May 8, so as of May 10, the amount that can be paid in advance is 147,000 yen-20,000 yen = 127. It will be 000 yen.

In principle, the prepaid amount acquisition department acquires the prepaid amount at the time of acquiring the wage prepaid request, but it will be possible to pay if it is assumed that normal labor will be carried out over a future date. It may be configured to obtain the amount that would be. For example, it may be configured to acquire the estimated prepaid amount corresponding to each future date calendar. In addition, instead of the future calendar format, it may be configured to acquire and present the expected prepaid amount on the future date in response to the input of the future date from the worker.

<Embodiment 1 Advance payment availability determination unit (0108)>
The "prepaidability judgment unit (0108)" determines whether or not the desired amount of wages included in the wage prepayment request can be prepaid based on the acquired prepayment amount in association with the worker identification information included in the acquired wage prepayment request. It is configured to do.
Whether or not prepayment is possible is a judgment made for the desired amount of money, and even if prepayment is not possible for the desired amount of money, it is not always necessary to reject the prepayment at all. It is also conceivable to present the prepaid amount and proceed with the prepaid processing within that range. In this case, the wage prepayment system may be provided with a prepayable amount presenting unit that presents the prepayable amount to the terminal used by the worker. In addition, the prepaid admissibility judgment department (0108) can prepaid the requested prepaid amount if normal work is continued even if the prepaid admissibility at the time of obtaining the wage prepaid request is prepaid or not. It may be configured to present the date and the like.

<Embodiment 1 User Credit Card Payment Processing Request Unit (0104)>
The "user credit card payment processing request unit (0104)" shall use the same name as the desired amount (a fee may be added to the desired amount when it is determined that advance payment is possible, and in that case as well. ) And the credit card identification information associated with the user identification information that identifies the employer who uses the worker, and the user credit card payment processing request for processing the user credit card payment. It is configured to output.

That is, the user credit card payment processing request is a process of requesting a wage prepayment agency to pay a desired amount or an amount obtained by adding a fee to the desired amount from the credit card company. If the request from this process is successfully accepted by the credit card company, the wage prepayment agent can immediately make the desired amount of wage prepayment to the worker. Because it is extremely rare for a credit card company to go bankrupt, the wage prepayment agency is required by the worker to ensure that the amount of money equivalent to the wage prepayment is available from the credit card company. In response, wage prepayment can be carried out with the own funds of the wage prepayment business. In the unlikely event that the user cannot pay the amount equivalent to the wage prepayment or the amount of the wage prepayment agency fee added to the credit card company, the loss is limited to the credit card company and the credit card company Money equivalent to the wage prepayment amount will be paid to the wage prepayment agency. When multiple types of credit card identification information are associated with the user identification information, even if the reply is that it is impossible to reply to the payment request with one credit card, the other credit card identification It is preferable to configure the information to supplement the user credit card payment request of the same amount.

<Implementation 1 Payment processing availability information acquisition unit (0109)>
The "payment processing availability information acquisition unit (0109)" is configured to acquire payment processing availability information, which is information indicating payment processing availability, in response to the output user credit card payment processing request.
"Payment processing availability information" is a processing generally called "authorization" in credit card processing.

FIG. 84 shows the flow of processing in the system. FIG. 84 (a) shows a case where a wage prepaid agency makes an authority request to a credit card company, and FIG. 84 (b) shows a case where a credit card settlement agency is sandwiched.
Credit card payment generally completes the payment procedure by performing "authorization" and "sales processing". "Authorization" is an abbreviation for "authorization (or the same shall apply hereinafter to" authorization ")", and in the case of the present invention, it is "a work of confirming whether payment can be made with a user's credit card identified by user identification information". Also called "credit approval" or "sales approval", the credit card company confirms whether the user's credit card is valid and whether the usage limit has been reached, and then secures the credit card usage limit. Say the process to do. When using a credit card, the settlement is completed after the sales are processed after the approval of the "authority". "Authorization" also confirms the usage limit. Credit cards can only be used within the set usage limit, except for some credit cards. Since the wage prepayment system cannot know whether the credit card used by the user has reached the usage limit, check the limit with the credit card company each time by passing through the "authorization". Take. At the same time, the credit card company also checks whether there are any problems such as payment delays of the user himself, and also checks whether sound transactions can be made. When the card company approves the payment after performing the "authorization", the card company issues an "authorization code". The "authorization code" is like a reservation number, and "sales processing" is not performed at the time of issuance. However, based on the "authorization code" issued at that time, the card company will pay the wage prepaid agent the amount equivalent to the wage prepaid amount or the amount including the fee of the wage prepaid agent. It will be. Therefore, it is essential to obtain and store the "authorization code". In this system, it is preferable to configure the system so as to have an acquisition unit and a holding unit of the "authorization code" in association with the user identification information. If the "authorization" is not approved, an error will occur and the result will be that credit card payment is not possible. The most common causes of non-approval are incorrect entry of the card number and PIN, expiration date, and exceeding the usage limit. In case of disapproval, an error code will be given by the credit card company according to each error.

The flow of request processing will be described with reference to FIG. 84 (a). Worker A requests a wage prepayment agency (1) prepayment. The wage prepaid agency makes a request to credit card company A (2) for authority. At credit card company A, check whether the credit card of "user A" who requested the authorization is valid and whether the usage limit has been reached, secure the usage limit, and (3) issue an authorization code and reply. .. The wage prepayment agency that received the authorization code promises to pay at a later date from the credit card company A, so (4) pays the wage prepayment to worker A. Receive payment processing from credit card company A as (5) sales processing. Separately, the credit card company A charges the user A, who is the credit card holder, for (6) expenses, and (7) deducts the payment from the bank account of the user A at a predetermined date and time. Employer A pays worker A wages excluding (8) prepaid wages on the predetermined wage payment date. FIG. 84 (b) shows the flow through the credit card settlement agency A. Although the number of levels will increase by one level, the request for authorization, confirmation of the credit card expiration date and usage limit by credit card company A, reservation of usage quota, etc. will be performed in the same way. When user A uses multiple credit cards, the wage prepayment agency can handle all credits by making a transaction through a credit card settlement agency that has transactions with the relevant multiple credit card companies. By dealing with a credit card settlement agency instead of directly processing and exchanging with the credit card company, the number of business partners can be reduced at once.

<Embodiment 1 Prepaid processing information output unit (0105)>
The "prepayment processing information output unit (0105)" pays the wages in advance when the acquired payment processing availability information is payment processing enablement information which is information that payment processing is possible, that is, when the "authority" is passed. Money system associated with worker identification information of the requesting worker The desired amount (fees may be deducted, in which case the same name is used) to be available in the money system identified by the identification information. It is configured to output prepaid processing information, which is information for performing prepaid processing, which is processing for paying.

<Example 1 Processing flow>
FIG. 2 is a flowchart of the operation processing of the wage prepaid system of the first embodiment. As shown in this figure, in the wage prepayment system of the embodiment, the employer worker identification information holding step (S0201), the credit card identification information holding step (S0202), the money system identification information holding step (S0203), and the wage Prepaid request acquisition step (S0204), prepaid possible amount acquisition step (S0205), prepaid availability determination step (S0206), user credit card payment processing request step (S0207), and payment processing availability information acquisition step (S0208). And a prepaid processing information output step (S0209).

Here, in the employer-worker identification information retention step (S0201), the worker identification information that identifies the worker who receives the compensation by labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S0202) is available to the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S0203) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the wage prepayment request acquisition step (S0204) is performed from the worker to the worker identification information. The process of acquiring a wage prepayment request including a wage prepayment request associating with the desired amount is performed, and the prepayable amount acquisition step (S0205) is a prepayable amount that is an amount that can be prepaid in association with the worker identification information. In the step (S0206) of determining whether or not the wage can be paid in advance, the worker identification information included in the acquired wage prepayment request can be associated with the prepayment of the desired amount of wage included in the wage prepayment request. The process of determining based on the amount of money is performed, and the user credit card payment processing request step (S0207) determines that the advance payment is possible, and the desired amount of money (a fee may be added to the desired amount of money). In some cases, the same name shall be used.) And the credit card identification information associated with the user identification information that identifies the employer who uses the worker, for processing the user credit card payment. The process of outputting the user credit card payment processing request is performed, and the payment processing availability information acquisition step (S0208) is information indicating whether or not the payment processing is possible for the output user credit card payment processing request. The process of acquiring information is performed, and in the prepayment processing information output step (S0209), when the acquired payment processing availability information is payment processing enablement information which is information that payment processing is possible, the labor that requested the wage prepayment. The desired amount (a fee may be deducted, and the same name shall be applied in that case) to the money system identified by the money system identification information associated with the worker identification information of the person. Performs a process of outputting prepaid processing information, which is information for performing prepaid processing, which is a process for paying. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S0209) is skipped. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

FIG. 86 shows an example of a smartphone application screen as an operation example when receiving wage advance payment in the first embodiment. Mr. Taro Yamada, a worker, operated a smartphone and displayed a prepaid application screen for a dedicated application. Choose a place of employment because you are employed by multiple companies. In the case of FIG. 86, Tanaka Shoten Co., Ltd. is selected from the pull-down menu. Enter the number in the entry field using the software number keys on the screen as the prepaid application amount. In FIG. 86, since the input is fixed in units of 1000 yen, the input field is already filled with a number of thousands or more. If there is an input error, correct it using the BS (BackSpace) key and Delete (Delete) key on the screen, and confirm the amount input with the "Enter" button. To stop the process, press the "Back" button. When the "Enter" button is pressed, the screen changes to the screen shown in FIG. 88. FIG. 88 is a screen in the case where the fee related to the prepaid processing is included in the application amount and processed. The prepaid application amount is 10,000 yen, and "Internal fee 774 yen" is displayed below it. The fee of 10,000 yen includes the fee related to prepaid processing, and Taro Yamada is actually paid 10,000-774 = 9226 yen. When a plurality of transfer destinations are registered, they can be selected with the pull-down menu, and in FIG. 88, the Yurakucho branch of Chiyoda Bank is displayed. If the setting as it is is acceptable, when the "prepaid application execution" button is pressed, the prepaid processing request is issued, and is acquired and processed by the system in the above-mentioned wage prepaid request acquisition step (S0204). FIG. 90 shows a viewing screen of the history of receiving prepaid. Here is an example of receiving two prepayments and including a fee in the prepayment. Fees associated with prepaid processing can also be configured to be processed outside of the prepaid amount. In the case of outside, the history is recorded as shown in Fig. 91, and when the advance payment of 10,000 yen is received, the actual advance payment process is recorded as paying 10820 yen including the fee, and from the planned wage amount. It will be deducted.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of Embodiment 1 Hardware>
FIG. 3 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the first embodiment and peripheral devices thereof. "Various types" connected to "CPU" (0301), "nonvolatile memory" (0302), "main memory" (0303), "bus line" (0300), "internal interface" (0347), and internal interface (0347) It is composed of a communication (0343), an interface (0344), a memory (0345), a disk (0346), and the like, which are connected to the "device" (0348), the "external interface" (0342), and the external interface (0342).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (0304), a credit card identification information holding program (0305), a money system identification information holding program (0306), and a wage prepayment request acquisition program (0307). ), The prepayable amount acquisition program (0309), the prepayment availability determination program (0308), the user credit card payment processing request program (0311), the payment processing availability information acquisition program (0310), and the prepayment processing information output. It has a program (0312), and as data, credit card identification information, user identification information, worker identification information, money system identification information, wage prepayment request, prepayment processing information, user credit card payment processing request, payment processing. The availability information, information indicating the availability of prepayment, and the amount of prepayment that can be paid are retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 2> Claims 2, 6 and 10 (receives prepaid amount from the labor status management server)
The second embodiment is based on the wage prepayment system of the first embodiment, further has a labor status management server, and is configured to acquire a prepayable amount from the labor status management server.

The operation of the present invention includes systems (computers, information storage devices, etc.) managed by prepaid agents, communication networks, smartphones and tablet PCs for workers to make prepaid requests, and other portable and stationary information processing devices. In addition, a worker's labor status management server managed by the employer, a PC or mobile terminal used by the employer to check the worker's prepaid usage status, etc. are used. FIG. 76 shows an example of an overall outline of this system. Wage prepayment agency, employer A, employer B, employed worker A and worker B, credits related to confirmation of prepayment payment availability using the wage prepayment system provided by the wage prepayment agency The card payment agency A and the credit card payment agency B, the credit card company A and the credit card company B used by the user are connected via the Internet and exchange information such as a wage prepayment request and a prepayment approval / disapproval judgment.

A labor status management server is a computer device that keeps updating the value of the amount of consideration itself, which is obliged to pay labor for the employer and has not yet been paid, on an hourly or daily basis. It refers to a computer device that keeps updating labor record data on an hourly or daily basis for calculating the amount of consideration for which the employer is obliged to pay the compensation for labor and the payment has not yet been executed. It includes a system such as attendance management, or is connected to the system such as attendance management by communication, and acquires IC card information for entering and exiting workers and accumulates the working status of workers. In FIG. 76, it is described that the labor status management server according to the present invention is provided on the wage prepaid agency side, but for the prepaid agency company, it is sufficient that at least the prepaid amount can be obtained, so that the employer side maintains and operates it. You may. As shown in FIG. 76, the prepaid agent may maintain and operate the service and provide necessary information to the user. The employer has a labor status management server 1 that has a function to perform more processing such as deduction of social insurance premiums, and the working hours and unit price for the labor status management server 2 provided on the prepaid agency side. By providing information and walking information for deducting a predetermined amount, the prepaid amount may be calculated. On the contrary, the prepaid agency has a labor status management server, provides a time recorder for grasping the labor status to the employer, and the worker who provides the labor to the employer uses the time recorder to provide attendance information. May be entered. In that case, the labor status management server installed on the prepaid agency side provides the labor status management information of each worker to the employer side. The same effect can be obtained regardless of whether the employer or the prepaid agency mainly maintains and operates the information necessary for the employer to manage the labor of the worker and pay the wages and the information related to the prepaid. When the prepayment agency manages labor management information including the attendance of workers, it has the effect of saving management equipment and labor costs of the person in charge for micro-enterprise and small and medium-sized enterprises.

<Embodiment 2 Functional Configuration>
FIG. 4 shows a functional block diagram of the second embodiment. The second embodiment further has a labor status management server in the configuration of the wage prepaid system of the first embodiment, and the labor status management server (0412) includes a labor status information management unit (0413) and a labor status information holding unit (0414). The wage prepayment server (0400) has a prepayable amount calculation unit (0416), a prepayable amount record holding unit (0417), a request receiving unit (0415), and a response transmitting unit (0418). (0403) further includes a prepaid amount request transmitting means (0410) and a prepaid amount receiving means (0411). The labor status management server (0412) has a labor status information management unit (0413), a labor status information holding unit (0414), a prepaid amount calculation unit (0416), a prepaid amount record holding unit (0417), and a request receiving unit. (0415), the response transmission unit (0418), the prepaid amount request transmitting means (0410) provided in the prepaid amount acquisition unit (0403) of the wage prepaid server (0400), and the prepaid amount receiving means (0410). Except for 0411), it is the same as in the first embodiment. Therefore, in the following, the labor status information management unit (0413), the labor status information holding unit (0414), the prepaid amount calculation unit (0416), and the prepaid amount record holding unit (0417) ), The request receiving unit (0415), the response transmitting unit (0418), the prepaid amount request transmitting means (0410), and the prepaid amount receiving means (0411).

<Explanation of Embodiment 2 Configuration>
<Embodiment 2 Labor Status Information Management Department (0413)>
The "Labor Status Information Management Department (0413)" is configured to manage labor status information, which is information indicating the working status of an employer's worker identified by the employer identification information, in association with the worker identification information. To. "Labor status" is a word that indicates the labor status and causes wages to be generated by the employer. "Labor status information" is information indicating the labor status, and can be displayed in various ways. For example, how to measure labor by measuring the amount of labor that indicates the labor situation, how to measure the amount of labor that indicates the labor situation by the quality and quantity of tangible and intangible deliverables obtained as a result of labor, and the labor situation. How to measure the amount of labor that indicates labor by the amount of excluded objects that have disappeared as a result of labor, how to measure the amount of labor that indicates labor status by the amount of consideration such as money or monetary substitutes obtained as a result of labor, labor status There are various measurement methods such as how to measure the amount of labor that indicates the result of labor by the quality and quantity of evaluation obtained from the customer or a third party, and the labor situation information is one or more of these methods of measurement. It contains the information measured in.

<Embodiment 2 Labor Status Information Holding Department (0414)>
The "Labor Status Information Retention Department (0414)" is configured to retain labor status information, which is information indicating the labor status of an employer's worker identified by the employer identification information, in association with the worker identification information. To. In addition, the labor status information is configured to be retained in association with the time (including the date and further time) in which the labor indicated in the labor status information should be evaluated. This is to clarify when labor claims are incurred, which employers are obliged to pay based on labor. In addition, it is preferable that the labor status information is retained for a certain period of time even after the payment of the labor receivable for which the employer is obliged to pay due to the labor status information is completed. Furthermore, it is preferable that the retained labor status information be configured so that it can be disclosed to the workers who have worked. It is preferable to configure the terminal device used by the worker based on the worker identification information and the password input so that the terminal device can be viewed via the web page. Further, the retained labor status information is preferably configured to be disclosed to the employer, and it is preferable that the retained labor status information is disclosed in the same manner as in the case of the worker by inputting the employer identification information and the password. In addition, the labor status information may be configured so that the employer can download it all at once and utilize it as the labor management information of the employer. It is also conceivable to provide a statistical processing function for labor status information on the wage prepaid server side so that the labor status information of workers related to themselves can be statistically processed with the authority of the employer. By constructing in this way, it becomes information to judge whether the working environment is improved in line with the trend toward work style reform. In addition to the statistical processing function, a working environment improvement judgment rule holding unit that holds the working environment improvement judgment rule for judging whether the working environment is improved or not is set up, and the statistical processing result and this rule It may be configured to output a working environment improvement judgment report that periodically reports the judgment result to the employer using. The worker identification information has a hierarchical structure according to the employer's organization, and by configuring the worker identification information so as to clarify the relationship between the boss and subordinates among the workers, it is possible to work by boss or organization. It may be configured to show the degree of improvement of the environment.

<Embodiment 2 Prepaid Amount Calculation Unit (0416)>
The “prepaid amount calculation unit (0416)” is configured to calculate the prepaid amount based on the labor status information associated with the worker identification information. The calculation of the prepaid amount may be configured to be calculated periodically independently of the wage prepaid server, or may be configured to be calculated in response to a request from the wage prepaid server. In any case, in principle, the amount that can be paid in advance is calculated based on the time of calculation. However, depending on the request, it may be configured to calculate the prepaid amount at a future point in time. Further, when the labor status management server periodically performs the calculation, the calculated prepaid amount may be output to the employer and / and the worker so as to be viewable. It is convenient to output the automatically calculated prepaid amount in a graphed form so that it can be viewed, and it is also possible to graph the fixed prepaid amount up to the present and the planned prepaid amount in the future. At first glance, it is convenient because you can grasp the amount of money that can be paid in advance from the present to the future. In addition, when the prepaid amount calculation unit (0416) calculates the prepaid amount expected in the future, it is possible to work in various ways by installing a simulation function and setting parameters used for simulation. , The resulting prepaid amount may be calculated. Parameters include, for example, overtime hours planned in the future, paid vacations scheduled to be taken in the future, business trips and outings planned in the future, amount of advance payments scheduled to occur in the future, salary increases and salary reductions planned in the future, and other futures. These are various factors that influence the planned or expected working conditions information.

<Embodiment 2 Prepaid Amount Record Holding Unit (0417)>
The “prepaidable amount record holding unit (0417)” is configured to record and hold the calculated prepaid amount in association with the worker identification information. It is preferable that the record-holding prepaid amount is configured so that not only the current prepaid amount but also the past prepaid amount in association with the time (date, time, etc.) is recorded. It is preferable that the past prepayable amount held is also graphed and made available to employers and / and workers. It is also good to configure it so that it can be viewed via a web page. Further, it may be configured to be displayed in a table format without graphing, or it may be configured to display the prepaid amount at that time by inputting a past date or the like.

<Embodiment 2 Request Receiver (0415)>
The "request receiving unit (0415)" associates the wage prepayment server (0400) with the worker identification information and makes a prepayable amount acquisition request which is a request for acquiring the prepayable amount associated with the worker identification information. Configured to receive. In addition, this prepaid amount acquisition request may include a plurality of worker identification information in one acquisition request. That is, it may be a batch processing type request. When there is a request for a batch processing type, it is preferable that the processing in the response transmission unit (0418) described later is also a batch type. The request also contains information to prove the authenticity of the requested wage prepayment server (0400) and the authenticity of the matter that caused the wage prepayment server (0400) to generate this request. It is preferable to have. The most representative of the matters that caused the wage prepayment server (0400) to generate this request is the wage prepayment request associated with the worker identification information from the worker. The authenticity of this wage prepayment request may be authenticated by the wage prepayment server (0400), and the authenticity information may not be transmitted to the subsequent labor status management server (0412), but double security is provided. Therefore, it is preferable to configure the labor status management server (0412) to perform a double check again. The acquired prepaid amount acquisition request is preferably configured to be held in association with the prepaid amount acquisition request identification information that identifies the prepaid amount acquisition request. This holding is configured so that the time (date, time, etc.) at which the prepaid amount acquisition request is received is associated and held. The reception of the prepaid amount acquisition request triggers the prepaid amount calculation process, or if the prepaid amount is calculated and held in advance, the prepaid amount acquisition process is triggered. Will be. The communication line for receiving requests is typically the Internet, but VPN may be configured for transmission and reception instead of general communication on the Internet.

<Embodiment 2 Response Transmitter (0418)>
The "response transmission unit (0418)" is configured to transmit the prepaid amount associated with the worker identification information received in response to the reception of the prepaid amount acquisition request to the wage prepaid server (0400). Will be done. As a general rule, this transmission is preferably configured to respond within the same session without disconnecting the communication session that received the wage prepaid amount acquisition request. This is because the authenticity check becomes complicated due to the session disconnection, and the calculation load increases. In principle, the response transmission is configured so that the response transmission is performed according to the reception order of the prepaid amount acquisition request. This is because it is possible to reduce processing errors by performing first-in and first-out processing. This communication is also typically performed via the Internet.

<Embodiment 2 Labor Status Management Server (0412)>
The "labor status management server (0412)" includes the labor status information management unit (0413), the labor status information holding unit (0414), the prepaid amount calculation unit (0416), and the prepaid amount record holding unit (0417). It has a request receiving unit (0415) and a response transmitting unit (0418), and manages and retains the working status of the employer's worker identified by the employer identification information in association with the worker identification information. It is configured to calculate the prepaid amount associated with. As an example, this corresponds to the labor management computer of the company that is the user. On the other hand, a business model can be constructed so that the operation manager of the wage prepaid server (0400) manages the labor status management server (0412). In that case, the employer can receive the information service provided by the labor status management server (0412) as well as the wage prepayment server (0400), and can collectively manage the labor status of the workers of many employers. Since the service can be received centrally, efficient operation can be performed as a whole. In such a case, the wage prepaid server (0400) and the labor status management server (0412) are configured to be accessible and operational with the same authority. Further, the wage prepaid server (0400) and the labor status management server (0412) may be physically integrated. The actual state of the labor status management server (0412) may be a labor management application on a normal personal computer or the like.

<Example 2 Regarding wage prepaid server>
The wage prepayment server (0400) has a prepayable amount request transmitting means (0410) as an additional configuration in the prepayable amount acquisition unit (0403) in addition to the one of the first embodiment, and further has a prepayable amount receiving means (0403). 0411).

<Embodiment 2 Wage prepayment server: prepayable amount request transmission means (0410)>
The prepaid amount acquisition unit has a prepaid amount request transmission means.
The "prepaidable amount request transmission means (0410)" is a prepaid amount acquisition unit (0412) so as to transmit a request for the prepaid amount of the worker in association with the worker identification information to the labor status management server (0412). It is configured in 0403). As described above, the labor status management server (0412) calculates the prepaid amount based on the labor status information, and in principle acquires the prepaid amount. This is because the prepaid amount is generated based on the wage receivables generated as compensation for labor. The trigger for requesting the prepaid amount of the wage prepayment server (0400) is typically triggered by the worker making a wage prepayment request on a mobile terminal or the like managed by the worker. The prepaid request by the worker is acquired by the wage prepaid server (0400), and the prepaid amount request is output to the labor status management server (0412) triggered by this. As a general rule, the prepaid amount request is started by the worker's trigger, but in some cases, the wage prepaid server (0400) periodically repeatedly sends the prepaid amount to the labor status management server (0412). It can also be configured to. Communication congestion is achieved by acquiring and holding prepaid amounts of multiple workers at once from the labor status management server (0412) by batch processing instead of requesting the labor status management server (0412) each time. Can also be alleviated. The wage prepayment server (0400) must provide wage prepayment services to hundreds of thousands of workers in some cases. In particular, there is a risk that wage prepayment requests will be concentrated before workers go to work, during lunch breaks, and when leaving the office from evening to night, so the wage prepayment server (0400) holds the prepayable amount in advance. As a result, communication between the wage prepayment server (0400) and the labor status management server (0412) can be relaxed. In general, wage receivables are generated on a daily basis, so the labor receivables generated for the work up to the previous day do not change until the end of the next day. Therefore, for example, the wage prepayment server (0400) can be configured to output a request for the prepayable amount to the labor status management server (0412) by batch processing and accumulate it in the early morning.

<Embodiment 2 Wage prepayment server: Prepaid amount receiving means (0411)>
The “prepaid amount receiving means (0411)” is configured in the prepaid amount acquisition unit (0403) so as to receive the prepaid amount in response to the request from the labor status management server (0412). As mentioned above, the prepaid amount is received in association with the worker identification information, but it can be configured to receive the prepaid amount for a large number of workers in batch processing in association with the employer identification information. preferable. The prepayable amount is received in batch processing so that the file identified by the user identification information contains the prepayable amount for all workers who can enjoy the user's wage prepayment service. The configuration makes information processing efficient. It is preferable that the prepaid amount received in this way is configured so that the prepaid amount for all users who enjoy the service is also stored in one folder.

<Example 2 Processing flow>
FIG. 5 is a flowchart of the operation processing of the wage prepaid system according to the second embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S0501), a credit card identification information holding step (S0502), and a money system identification information holding step (S0502). S0503), wage prepayment request acquisition step (S0504), prepayable amount acquisition step (S0505), prepayable amount request substep (S0506) and prepayable amount receiving substep (S0507) in the prepayable amount acquisition step. It has a prepayment availability determination step (S0508), a user credit card payment processing request step (S0509), a payment processing availability information acquisition step (S0510), and a prepayment processing information output step (S0511). In the labor status management server, the labor status information management step (RS0501), the labor status information holding step (RS0502), the request receiving step (RS0503), the prepaid amount calculation step (RS0504), and the prepaid amount record holding step (RS0505), with a response transmission step (RS0506).

In the wage prepayment server, the employer worker identification information retention step (S0501) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S0502) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S0503) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding possible money system identification information (including, but not limited to, bank account and electronic money charge ID) is performed, and the wage prepayment request acquisition step (S0504) is performed from worker to worker. The process of acquiring the wage prepayment request including the wage prepayment request associating the identification information with the desired amount is performed, and the prepayable amount request substep (S0506) in the prepayable amount acquisition step (S0505) is a worker identification. The process of transmitting the request for the prepaid amount, which is the amount that can be prepaid, in association with the information to the labor status management server is performed, and the prepaid amount receiving substep (S0507) performs the process of receiving the prepaid amount as a response to the request. , The prepayment availability determination step (S0508) determines whether or not the prepayment of the desired amount of wage included in the prepayment request is possible based on the acquired prepayment amount in association with the worker identification information included in the acquired prepayment request. If the processing is performed and the user credit card payment processing request step (S0509) is the result of determination that advance payment is possible, the desired amount (a fee may be added to the desired amount, and in that case, the same name is used. ) And the credit card identification information associated with the user identification information that identifies the employer who uses the worker, and the user credit card payment process for performing the user credit card payment process. The process of outputting the request is performed, and the payment processing availability information acquisition step (S0510) is a process of acquiring payment processing availability information which is information indicating payment processing availability in response to the output user credit card payment processing request. In the prepaid processing information output step (S0511), when the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, the wage is paid. The desired amount (commissions may be deducted from the money system identified by the money system identification information associated with the worker identification information of the worker who made the prepayment request, and the same name is used in that case as well. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S0511) is skipped.

In the labor status management server, the labor status information management step (RS0501) manages the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The process is performed, and the labor status information retention step (RS0502) is a process of retaining the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The request receiving step (RS0503) is associated with the worker identification information issued by the wage prepayment server in the prepayable amount request substep (S0506), and the prepayment is possible associated with the worker identification information. A process of receiving a prepaid amount acquisition request, which is a request for acquiring an amount, and a process of skipping the subsequent steps until after the response transmission step (RS0506) if the prepaid amount acquisition information request is not received. If the prepayable amount request is received, the prepayable amount calculation step (RS0504) performs a process of calculating the prepayable amount based on the labor status information associated with the worker identification information, and performs the prepayable amount. The record holding step (RS0505) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS0506) receives the request in response to the request from the wage prepayment server. Performs processing to send the prepaid amount associated with the worker identification information to the wage prepaid server. The prepaid amount transmitted in the response transmission step (RS0506) on the labor status management server is received in the prepaid amount receiving substep (S0507) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the second embodiment>
FIG. 6 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the second embodiment and the labor situation management server. The wage prepayment server includes "CPU" (0601), "bus line" (0600), "nonvolatile memory" (0602), "main memory" (0603), "internal interface" (0653), and internal interface (0653). (0654), "external interface" (0648), and "communication" (0649), "interface" (0650), "memory" (0651), "disk" connected to the external interface (0648). "(0652) and the like. Labor status management servers include "CPU" (0655), "bus line" (0656), "nonvolatile memory" (0657), "main memory" (0658), "internal interface" (0669), and internal interface (0669). "Various devices" (0670), "external interface" (0671) connected to 0669), and "communication" (0672), "interface" (0673), "memory" (0674), "memory" connected to the external interface (0671). It is composed of a "disk" (0675) and the like. The wage prepaid server and the labor status management server are connected by a line (0676) connecting communication (0649) and communication (0672). FIG. 6 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (0676) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory (0602) of the wage prepayment server, an employer-worker identification information holding program (0604), a credit card identification information holding program (0605), a money system identification information holding program (0606), and Wage prepayment request acquisition program (0607), prepayable amount acquisition program (0609), prepayable amount request transmission subprogram (0610), prepayable amount reception subprogram (0611), prepayment availability judgment program (0608) It has a user credit card payment processing request program (0613), a payment processing availability information acquisition program (0612), and a prepaid processing information output program (0614), and as data, credit card identification information (0617), Employer identification information (0615), worker identification information (0616), money system identification information (0618), wage prepayment request (0619), prepayment processing information (0620), prepayable amount request (0621), employer credit card A payment processing request (0622), payment processing availability information (0623), prepayment availability (0624), and prepayment possible amount (0625), which is information indicating the prepayment possible amount, are held. In the non-volatile memory of the labor status management server, the labor status information management program (0659), the labor status information retention program (0660), the request reception program (0661), the prepaid amount calculation program (0662), and the prepaid amount record holding It has a program (0663) and a response transmission program (0664), and as data, worker identification information (0665), labor status information (0666), prepayable amount (0667), prepayable amount acquisition request (0668). Is retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 3> Claims 3, 7, 11 (throwing the credit authority of the user to the credit card agency)
The third embodiment is based on the wage prepayment system of the first or second embodiment, and provides a credit card payment agency transmission means for transmitting the credit card payment processing to the credit card payment agency and / or the credit card company. It is configured to be possessed by the user credit card payment processing request unit.

<Embodiment 3 Functional Configuration>
FIG. 7 is a functional block diagram of the wage prepaid system of the third embodiment based on the first embodiment. The third embodiment is configured to further include a "credit card settlement agency transmission means" (0711) in the user credit card payment processing request unit (0704) of the wage prepayment system of the first embodiment or the second embodiment. Since the same applies to the first embodiment except for the "credit card payment agency transmission means" (0711), only the "credit card payment agency transmission means" (0711) will be described. Hereinafter, the first embodiment will be described as a basis, but the same effect can be obtained even when the second embodiment is used as a basis.

<Explanation of Embodiment 3 Configuration>
<Embodiment 3 Credit card payment agency transmission means (0711)>
The "credit card payment agency transmission means" (0711) is a user of the wage prepayment server (0700) so as to transmit the user credit card payment processing request to the credit card payment agency and / and the credit card company. It is configured in the credit card payment processing request unit (0704).
When using a credit card payment agency in this system, the credit card number of the credit card identified by the credit card identification information associated with the user identification information and, in some cases, the security code are settled by credit card. When the user registers with the agency, the credit card settlement agency issues the credit card identification information used by the credit card settlement agency, which is different from the credit card number, and the operator of the wage prepayment system asks. The identification information may be retained in association with the user identification information.

FIG. 84 shows the flow of processing in the system. FIG. 84 (a) shows a case where a wage prepaid agency makes an authority request to a credit card company, and FIG. 84 (b) shows a case where a credit card settlement agency is sandwiched. The flow of request processing will be described with reference to FIG. 84 (a). Worker A requests a wage prepayment agency (1) prepayment. The wage prepaid agency makes a request to credit card company A (2) for authority. At credit card company A, check whether the credit card of "user A" who requested the authorization is valid and whether the usage limit has been reached, secure the usage limit, and (3) issue an authorization code and reply. .. The wage prepayment agency that received the authorization code promises to pay at a later date from the credit card company A, so (4) pays the wage prepayment to worker A. Receive payment processing from credit card company A as (5) sales processing. Separately, the credit card company A charges the user A, who is the credit card holder, for (6) expenses, and (7) deducts the payment from the bank account of the user A at a predetermined date and time. Employer A pays worker A wages excluding (8) prepaid wages on the predetermined wage payment date. FIG. 84 (b) shows the flow through the credit card settlement agency A. Although the number of levels will increase by one level, the request for authorization, confirmation of the credit card expiration date and usage limit by credit card company A, reservation of usage quota, etc. will be performed in the same way. When user A uses multiple credit cards, the wage prepayment agency can handle all credits by making a transaction through a credit card settlement agency that has transactions with the relevant multiple credit card companies. By dealing with a credit card settlement agency instead of directly processing and exchanging with the credit card company, the number of business partners can be reduced at once.

<Example 3 Processing flow>
FIG. 8 is a flowchart of the operation processing of the wage prepaid system according to the third embodiment. As shown in this figure, in the wage prepayment system of the third embodiment, the employer / worker identification information holding step (S0801), the credit card identification information holding step (S0802), the money system identification information holding step (S0803), and the like. Wage prepayment request acquisition step (S0804), prepayable amount acquisition step (S0805), prepayment availability determination step (S0806), user credit card payment processing request step (S0807), user credit card payment processing request step It has a credit card settlement agency transmission sub-step (S0808), a payment processing availability information acquisition step (S0809), and a prepaid processing information output step (S0810).

Here, in the employer-worker identification information retention step (S0801), the worker identification information that identifies the worker who is the person who receives the compensation by the labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S0802) can be used by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S0203) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the wage prepayment request acquisition step (S0804) is performed from the worker to the worker identification information. The process of acquiring a wage prepayment request including a wage prepayment request associating with the desired amount is performed, and the prepayable amount acquisition step (S0805) is a prepayable amount that is an amount that can be prepaid in association with the worker identification information. In the prepayment availability determination step (S0806), the prepayment of the desired amount of wage included in the wage prepayment request can be obtained in association with the worker identification information included in the acquired wage prepayment request. The process of determining based on the amount of money is performed, and the user credit card payment processing request step (S0807) determines that the advance payment is possible, and the desired amount of money (a fee may be added to the desired amount of money). The same name is used in the case of), and the credit card payment processing including the credit card identification information associated with the user identification information that identifies the employer who uses the worker, and the credit card. The settlement agency transmission sub-step (S0808) performs a process of transmitting the user credit card payment process to the credit card settlement agency and / and the credit card company, and the payment processing availability information acquisition step (S0809) is output. In response to the user credit card payment processing request, processing is performed to acquire payment processing availability information, which is information indicating whether payment processing is possible, and in the prepaid processing information output step (S0810), the acquired payment processing availability information is paid. A money system that is associated with the worker identification information of the worker who made the wage prepayment request when the payment is processable information. The desired amount (commission may be deducted from the money system identified by the identification information, and the same name shall be used in that case as well. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S0810) is skipped. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the third embodiment>
FIG. 9 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the third embodiment and peripheral devices thereof. "Various types" connected to "CPU" (0901), "nonvolatile memory" (0902), "main memory" (0903), "bus line" (0900), "internal interface" (0949), and internal interface (0949). It is composed of a "device" (0950), an "external interface" (0944), and a communication (0945), an interface (0946), a memory (0947), a disk (0948), and the like connected to the external interface (0944).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (0904), a credit card identification information holding program (0905), a money system identification information holding program (0906), and a wage prepayment request acquisition program (0907). ), A prepaid amount acquisition program (0909), a prepaid admissibility judgment program (0908), a user credit card payment processing request program (0911), a credit card payment agency transmission subprogram (0912), and payment processing. It has a availability information acquisition program (0910) and a prepaid processing information output program (0913), and as data, credit card identification information (0916), user identification information (0914), worker identification information (0915), Money system identification information (0917), wage prepayment request (0918), prepayment processing information (0919), user credit card payment processing request (0920), payment processing availability information (0921), prepayment availability (0922), prepayment possible The amount (0923) is held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 4> Claims 4, 8 and 12 (contact the user when the authority does not pass)
The fourth embodiment is based on the wage prepayment system of any one of the first to third embodiments, and the wage prepayment server is the payment processing impossible information that the acquired payment processing possibility information is the information that the payment processing is impossible. In some cases, payment processing refusal information, which is information that payment processing cannot be performed, is sent to the terminal used by the user identified by the user identification information associated with the worker identification information that requested the wage prepayment. Payment processing refusal information transmission unit to be transmitted
It is configured to have more.

<Embodiment 4 Functional Configuration>
FIG. 10 is a functional block diagram of the wage prepaid system of the fourth embodiment based on the first embodiment. The wage prepayment system of the first embodiment further includes a "payment processing refusal information transmission unit" (1010). Since the parts other than the "payment processing refusal information transmitting unit" (1010) have already been described in the first embodiment, only the "payment processing refusal information transmitting unit" (1010) will be described below. Note that the same effect can be obtained in the fourth embodiment based on any one of the second embodiment and the third embodiment.

<Explanation of Embodiment 4 Configuration>
<Implementation 4 Payment processing refusal information transmission unit (1010)>
The "payment processing refusal information transmission unit" (1010) indicates that payment processing cannot be performed when the payment processing possibility information acquired by the wage prepayment server (1000) is payment processing impossible information which is information that payment processing is not possible. The payment processing refusal information, which is the information of the above, is configured to be transmitted to the terminal used by the employer identified by the employer identification information associated with the worker identification information that requested the wage prepayment. This is to make the employer aware that there is a high possibility that the employment contract obligation between the employer and the worker has been violated. In addition, since it is possible that the balance of the bank account managed by the user is insufficient, it also has the meaning of alerting the user to accumulate the balance in the bank account. In addition, the credit card may have expired and the renewal process has not been performed. In that case, it also has a meaning of prompting the credit card renewal process. When the credit card is renewed, the security code of the credit card may have changed, and the credit card held in the credit card identification information holding unit (1006) of the wage prepayment server (1000) is identified. It also has the meaning of encouraging the update process of the security code included in the information to be provided (credit card identification information includes both the credit card number and the security code, and is linked to the credit card and its security code from the credit card agency. There can be two cases in which a separate identification information is received and registered.)
This payment processing refusal information may be configured to be displayed in the service provision screen configured by the wage prepayment service provision program installed on the terminal used by the user, or may be displayed in the browser of the terminal used by the user. It may be configured to be notified by browsing the web page provided by the wage prepayment server (1000), or to be notified by an e-mail or a short message to the terminal used by the user. You may. Further, it may be configured to notify the mobile phone or smartphone used by the user by an automatic voice message.

<Example 4 Processing flow>
FIG. 11 is a flowchart of the operation processing of the wage prepaid system according to the fourth embodiment. As shown in this figure, in the wage prepayment system of the fourth embodiment, the employer / worker identification information holding step (S1101), the credit card identification information holding step (S1102), the money system identification information holding step (S1103), and the like. Wage prepayment request acquisition step (S1104), prepayable amount acquisition step (S1105), prepayment availability determination step (S1106), user credit card payment processing request step (S1107), payment processing availability information acquisition step (S1108) ), A payment processing refusal information transmission step (S1109), and a prepaid processing information output step (S1110).

Here, in the employer-worker identification information holding step (S1101), the worker identification information that identifies the worker who is the person who receives the compensation by the labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S1102) can be used by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S1103) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the wage prepayment request acquisition step (S1104) is performed from the worker to the worker identification information. The process of acquiring a wage prepayment request including a wage prepayment request associating with the desired amount is performed, and the prepayable amount acquisition step (S1105) is a prepayable amount that is an amount that can be prepaid in association with the worker identification information. In the prepayment availability determination step (S1106), the prepayment of the desired amount of wage included in the wage prepayment request can be obtained in association with the worker identification information included in the acquired wage prepayment request. The process of determining based on the amount of money is performed, and the user credit card payment processing request step (S1107) determines that the advance payment is possible, and the desired amount of money (a fee may be added to the desired amount of money). In some cases, the same name shall be used.) And the credit card identification information associated with the user identification information that identifies the employer who uses the worker, for processing the user credit card payment. The process of outputting the user credit card payment processing request is performed, and the payment processing availability information acquisition step (S1108) is information indicating whether or not the payment processing is possible for the output user credit card payment processing request. The process of acquiring information is performed, and in the payment processing refusal information transmission step (S1109), when the acquired payment processing possibility information is payment processing impossible information which is information that payment processing is not possible (in FIG. 11, payment processing is not possible). The employer who identifies the payment processing refusal information, which is the information that payment processing is not possible, in the employer identification information associated with the worker identification information that requested the wage prepayment. In the prepaid processing information output step (S1110), when the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, the wage is sent to the terminal used by. The desired amount (a fee may be deducted from the money system identified by the money system identification information associated with the worker identification information of the worker who made the prepayment request, and the same name is used in that case as well. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of Embodiment 4 Hardware>
FIG. 12 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the fourth embodiment and peripheral devices thereof. "Various types" connected to "CPU" (1201), "nonvolatile memory" (1202), "main memory" (1203), "bus line" (1200), "internal interface" (1249), and internal interface (1249). It is composed of a communication (1245), an interface (1246), a memory (1247), a disk (1248), and the like, which are connected to the "device" (1250), the "external interface" (1244), and the external interface (1244).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (1204), a credit card identification information holding program (1205), a money system identification information holding program (1206), and a wage prepayment request acquisition program (1207). ), The prepaid amount acquisition program (1209), the prepaid admissibility judgment program (1208), the user credit card payment processing request program (1211), the payment processing admissibility information acquisition program (1210), and the payment processing refusal information. It has a transmission program (1212) and a prepaid processing information output program (1213), and as data, credit card identification information (1216), user identification information (1214), worker identification information (1215), money system identification. Information (1217), wage prepayment request (1218), prepayment processing information (1219), user credit card payment processing request (1220), payment processing availability information (1221), prepayment availability information (1222), prepayment possible The amount (1223) is held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 5> Claims 13, 37, 61 (prepaid basic without request judgment)
FIG. 13 is a diagram showing a functional block of the wage prepaid system of the present embodiment. As shown in the figure, the wage prepayment system obtains the prepayable amount, which is the prepayable amount in association with the worker identification information, and the desired amount within the prepayable amount associated with the worker identification information from the worker. Obtain a wage prepayment request that includes a wage prepayment request associated with an amount. Use the credit card used by the employer who employs the worker to process the claim for prepayment. Then, when it becomes clear that the processing is possible, or when the billing process for prepayment is completed, the desired amount of the prepayment request from the bank account or the like owned by the prepayment agency in response to the prepayment request (commission from the desired amount). May be deducted) is started to be transferred to the worker's bank account, electronic money account, etc. The processing for remittance includes various things such as fund transfer processing, electronic money remittance, virtual currency remittance, and charge to prepaid points. The first embodiment is configured by eliminating the prepaid admissibility determination unit for determining whether or not prepaid is possible.

The operation of the present invention includes systems (computers, information storage devices, etc.) managed by prepaid agents, communication networks, smartphones and tablet PCs for workers to make prepaid requests, and other portable and stationary information processing. Devices, and in some cases, PCs and mobile terminals used by users to check the prepaid usage status of workers are used. FIG. 76 shows an example of an overall outline of this system. Wage prepayment agency, employer A, employer B, employed worker A and worker B, credits related to confirmation of prepayment payment availability using the wage prepayment system provided by the wage prepayment agency Card payment agency A and credit card payment agency B, credit card company A and credit card company B used by the user are connected via the Internet, wage prepayment request, prepayable amount, credit card payment processing availability information, etc. Exchange information.

In addition, a smartphone or the like for a worker to make a prepayment request holds a dedicated application for connecting to the input screen of the prepayment request of the wage prepayment system, and the dedicated application is opened and executed at the time of execution. Is preferable.

Alternatively, a smartphone or the like for a worker to make a prepaid request is equipped with an Internet browser and can be operated. When making a prepaid request, access a predetermined URL constituting a predetermined prepaid request screen and go to the web. It may be configured to enter the required items of the prepaid request from the top.

When sending a prepayment request with a dedicated application, the worker identification information is held in the dedicated application, and when accessing the wage prepayment system, the worker identification information is automatically attached and accessed. When accessing the wage prepayment system on a web basis, the worker identification information used for the access is registered in advance in the browser, and the access is automatically performed when the access is performed. It may be configured so that the access is performed with the worker identification information attached, or the worker identification information input field may be provided on the web page so that the worker identification information can be input. Due to security issues, prepaid wage remittance destinations should be registered under strict security management when workers register with the wage prepaid system, after which they can be changed or modified under sufficient configuration for identity verification. , Should not be configured so that it can be changed or modified by simply entering the worker identification information each time a prepayment request is made. This is because it is necessary to effectively prevent the act of pretending to steal the wages of other workers by using the wage prepayment system. In order to improve security, information that identifies the hardware of the smartphone or the hardware that accesses the specified URL from the web is associated with the worker identification information and registered in the wage prepayment system, and the association is performed. It is also possible to configure it so that the wage prepayment process is not executed when there are different accesses. When the wage prepayment system is accessed from hardware other than the specified hardware, it is advisable to notify the worker of the access. In addition, as personal authentication when connecting to the prepaid request screen of the wage prepaid system using a dedicated application from a device of a smartphone or tablet terminal, a face authentication system using a built-in camera, a voice authentication system using a microphone, etc. are used. It may be used together, or if the device is equipped with a fingerprint authentication sensor for confirming personal authentication, the function may be used.

<Embodiment 5 Functional Configuration>
As shown in FIG. 13, the wage prepayment system of the fifth embodiment is a wage prepayment server (1300), an employer / worker identification information holding unit (1301), a credit card identification information holding unit (1306), and a money system. Identification information holding unit (1302), wage prepayment request acquisition unit (1307), prepayable amount acquisition unit (1303), user credit card payment processing request unit (1304), payment processing availability information acquisition unit (1308) ) And a prepaid processing information output unit (1305).

The above functional block is an example for carrying out the present invention, and the function may be appropriately omitted or a new function may be added within a range consistent with the problems to be overcome by the present invention and its effects. Good.

Each functional block constituting the wage prepayment system described below may be realized by hardware, software, or any of hardware and software. Specifically, if a computer is used, a CPU, main memory, GPU, image memory, graphic board, bus, or secondary storage device (hardware, non-volatile memory, storage medium such as CD or DVD, and them). Input devices such as operation buttons used for inputting information, mice, touch panels, electronic pens used exclusively for the purpose of touching touch panels, joysticks or pointer position input devices similar to joysticks, and other external peripherals. Hardware components such as devices, interfaces for external peripheral devices, GPS reception interfaces, GPS computing devices, gyro sensors, acceleration sensors, rotation detection sensors, signal processing devices for these sensors, cameras, image file processing circuits , Communication interface, ATM (automatic cash deposit machine), bill authenticity inspection device, exchange machine, bar code reader, POS terminal, face authentication device, encryption device, fingerprint authentication device, palm print authentication device, retinal authentication device, etc. Examples include authentication devices, driver programs for controlling those hardware, and other application programs. In particular, smartphones, tablet terminals, mobile phones, smart watches, personal computers, data center server devices, wired / wireless networks and interfaces are used.

By the arithmetic processing of the CPU according to the program expanded on the main memory, the data input from the input device or other interface and held in the memory or hardware can be processed and accumulated, or the hardware or software mentioned above. Instructions to control the are generated. Here, the above program may be realized as a plurality of modularized programs, or may be realized as one program by combining two or more programs.

Further, the present invention can be partially configured as software. Further, a storage medium on which such software is recorded is naturally included in the technical scope of the present invention (not limited to this embodiment, but throughout the specification).

<Embodiment 5 Employer-Worker Identification Information Holding Unit (1301)>
The "employer-worker identification information holding department (1301)" provides worker identification information that identifies the worker who receives compensation for labor and compensation for labor to the worker identified by the worker identification information. It is configured to associate and retain user identification information that identifies the user who pays the wages. "Worker identification information" refers to information that can uniquely identify a worker within this system. It may be identification information (for example, an employee number, an e-mail address, a telephone number of a smartphone or the like possessed by the worker, etc.) used by the worker in a company or the like that is the employer. In this case, the worker identification information may be the employer identification information plus the identification information used by the worker used by the employer in the company or the like. For example, the first N digits can be assigned to the employer identification information, and the last M digits can be assigned to the worker identification information used by the employer. Since the worker identification information configured in this way also includes the employer identification information, it can be said that the information is related to both. FIG. 79 shows an example of a worker list screen employed by an employer. An example of employer-worker identification information is shown. The employer is Tanaka Shoten Co., Ltd., and three workers are listed: Taro Yamada, Hanako Suzuki, and Saburo Ito. The user identification code of Tanaka Shoten Co., Ltd. is "ABCDFF", and for example, the worker-specific identification number of Mr. Taro Yamada is "345200123". Therefore, the employer worker identification code that associates Mr. Taro Yamada, who is a worker of Tanaka Shoten Co., Ltd., with the employer can be "ABCDEF345200123".

A "worker" can include anyone who receives compensation for labor. Therefore, "workers" include not only those who are employed, but also those who are outsourced, those who are dispatched to provide labor, those who provide labor on a part-time basis, It can include one or more of those who provide labor on a daily basis, those who provide labor on a part-time job, and so on. In addition, the type of labor provided does not matter. For example, corporate sales, individual sales, route sales / rounders, telephone pointers (tele appointments), sales assistants, planners / advisors / consultants, dispatch coordinators, sales executive candidates, general affairs, accounting affairs, sales affairs, reception / secretaries, slips. Arrangement / data entry, telephone support / call center, personnel / general affairs / legal affairs, planning / marketing / public relations, insurance / financial related, apparel / shoe clerk, convenience store clerk, supermarket / department store clerk, home appliance mass retailer clerk, mobile shop / mobile sales Clerk, interior / miscellaneous goods store clerk, drug store / cosmetics sales / registered seller, bookstore / rental / CD shop clerk, home center / car supplies store clerk, accessories / jewelry clerk, flower shop clerk, pet shop clerk, store manager / manager ( Sales), store manager, family restaurant / restaurant clerk, fast food clerk, tavern / dining bar clerk, cafe / coffee shop clerk, ramen / udon / soba clerk, yakiniku / shabushabu clerk, sushi / Japanese / set meal clerk, food court Clerk, bakery / cake shop / sweets shop clerk, home delivery / delivery staff, lunch / takeout food clerk, cook / cooking assistance, hall staff, kitchen staff, hall + kitchen staff, washing place / dishwashing staff, tasting / tasting Responsible, store manager / manager (food / drink / food) showroom / real estate customer service, gas station staff, cleaning shop clerk, delivery clerk, car rental / dealer / used car sales clerk, travel company / tour conductor, funeral / ceremony staff, wedding hall / bridal Staff, newspaper store clerk / delivery staff, moving staff, car wash / pit service / tire replacement staff, guards / guards, traffic guidance, cleaners / room make staff, building / house cleaning staff, managers, meter readers, sampling Distribution staff, front desk / reception (service), store manager / manager (service / security / cleaning), karaoke staff, pachinko staff, movie theater / game center / bowling ground staff, hot spring / public bath / super public bath staff, golf course staff / reception・ Maintenance staff, gym / pool staff, hotel / inn / pension reception, bathroom management, cleaning staff, cram school teacher / home teacher, nursery teacher / kindergarten teacher, instructor / coach, examination director, barber, barber, barber assistant , Hair make / make up / dressing / stylist, hair make, make up, Dressing, stylist and assistant, esthetic nail, esthetician, relaxation therapist, front desk / receptionist (barber / beauty), store manager / manager (barber / beauty), assistant (barber / beauty), nurse, associate nurse, midwife , Public health nurse, medical office / receptionist, medical engineer, care worker, care manager, care staff / helper, care office, dental hygiene / dental assistant, pharmacist, manipulator / judo rehabilitator, nutritionist / management nutritionist, facility In-house cooking / cooking assistance, occupational therapist, physical therapist, child instructor / after-school child support staff, counselor, small / medium-sized driver, large driver, taxi / higher / bus driver, motorcycle flight, driver assistant, dispatch / roll call Staff, pick-up driver, home delivery / delivery staff, newspaper delivery / milk delivery, assembly / inspection / sorting / picking / packing staff, food manufacturing / processing / inspection / packing staff, machining / machine operator, forklift work / slinging / crane work Personnel, machine maintenance personnel, quality control / production control / process control staff, equipment maintenance / equipment management / inspectors, in-house / homeworkers, line operators, CAD / CAM operators, welders, system engineers (SE), Programmers, user support staff, WEB designers, designers / illustrators, DTP operators, design / drawing staff, printing / bookbinding staff, calibration / editing staff, writers / reporters / photographing staff, media personnel, cooks / nutritionists, tax accountants / accountants , Interpreter / translator, trimmer, research / development related person, massager / crane / acupuncturist, mechanic, police / self-defense officer, repair / maintenance staff, painter, welding / sheet metalwork, electricity / water / gas・ Air conditioning equipment construction personnel, landscaping personnel, architects, heavy equipment operators, site supervisors, carpenters / tongues / craftsmen, slings / crane operators, people involved in agriculture / forestry / fishery / livestock industry, decontamination workers , Etc. may be included.

"Employer" means a person who conducts business by receiving labor provided by a worker. It can be said that it is the entity that pays the compensation for labor to the workers. It can include all cases such as a corporation or an organization that is a corporation, a union or other non-corporate organization, or a natural person such as a sole proprietor.

In addition, this wage prepayment system is a system that provides a service that substantially prepays wages to workers, but all workers held by the Employer Worker Identification Information Holding Department (1301) You are not limited to being authorized to receive this service. For example, this use as a worker who has an employment relationship with the employer as a new employee, just as it requires a prescribed working period before paid leave becomes available to a new employee hired by the employer. Even if it is identified by the worker identification information that identifies the worker held in the worker identification information holding unit (1301), it does not guarantee the authority to receive the services of this system as described above. Good. Therefore, the worker identification information held in this holding unit can be further configured to be associated with a service authority flag, which is a flag indicating the authority to enjoy the service by this system.

The information held in the employer-worker identification information holding unit (1301) will be recorded and retained when the employer registers to receive the services of the wage prepayment system. Initially, the employer identification information and the worker identification information are registered at the same time, but after that, the information held by the worker of the same employer who retires or is newly hired is corrected. The Rukoto. When an employer withdraws from the service of the wage prepayment system, the employer identification information and the worker identification information associated with the employer identification information are deleted in principle. If an M & A or the like occurs in the employer, the worker identification information may not be changed and the employer identification information that is desired to be associated with the worker identification information may be modified. Workers may enter their own personal information into the system. The one entered by the worker may be registered directly, or the employer may be registered after confirming and approving the contents. FIG. 85 shows a work place registration screen by a worker. In this example, Mr. Taro Yamada, a worker, is employed at two locations, Tanaka Shoten Co., Ltd. and Grill Sato. Enter a place of employment and press the add place of employment button to add a new place of employment to the list, and send and associate the personal information (name, contact information, etc.) of the worker registered in the system to the new place of employment. Can be configured to do.

In addition, the user attribute information holding unit that holds the attribute information of the user in association with the user identification information and the worker attribute information holding unit that holds the attribute information of the worker in association with the worker identification information are further added. It can also be configured to be provided in this system. The user attribute information holding unit includes company information, product / service information, etc., but if there is an affiliated company, the affiliated company (user) identification information may be included as the affiliated company. ..
Further, it may be configured so that a plurality of employer identification information and one worker identification information are associated with each other. This is because there are cases where one worker belongs to multiple companies or is employed by multiple natural persons.

<Embodiment 5 Credit Card Identification Information Holding Unit (1306)>
The "credit card identification information holding unit (1306)" is configured to hold the credit card identification information which is the identification information of the credit card that can be used by the user in association with the user identification information.
FIG. 83 shows an example of credit card identification information. The card information of Mr. Ichiro Tanaka of Tanaka Shoten Co., Ltd. is registered. As credit cards, American Express (registered trademark of American Express Marketing and Development Corporation) operated by American Express International Incorporated and JCB Card (registered trademark of JCB Co., Ltd.) operated by JCB Co., Ltd. It shows the state where two types of card information are registered. In this example, the card number and the expiration date are directly registered.

"Credit card identification information" is information for identifying a credit card that can withdraw money from an account controlled by the user (mainly, but not limited to, a bank account), and credits worldwide. The card can be uniquely identified. However, it is sufficient if the credit card can be uniquely identified, and it does not have to be the credit card number, the security code added to it, or the expiration date itself. For example, the identification information associated with the credit card number by the credit card payment agency may be used. By assuming that the credit card can be used by the user, it means that the user has passed the credit examination of the credit card company, and in this system, the business operator acting as a wage prepayment agent. The credit risk of the user, which had to be borne by the credit card company, was avoided by using the credit of the credit card company. In addition, instead of or in addition to the credit card, the prepaid card identification information or the debit card identification information can be used so that the prepaid card or the debit card can be used.

A "credit card" is a postpaid payment method that pays the usage fee later, and payment is often made the following month after the details are sent on the closing date. There are various payment methods such as installment payment and revolving payment. As mentioned above, since customers are required to have a certain amount of credit because they are postpaid, unlike prepaid cards and instant debit cards, they are screened at the time of enrollment. There are two types of credit cards, one with a magnetic stripe and the other with an IC. When payment is made with an IC, payment can be made by entering a PIN instead of a signature.

When using a credit card payment agency in this system, the credit card number of the credit card identified by the credit card identification information associated with the user identification information and, in some cases, the security code are settled by credit card. When the user registers with the agency, the credit card settlement agency issues the credit card identification information used by the credit card settlement agency, which is different from the credit card number, and the operator of the wage prepayment system asks. The identification information may be retained in association with the user identification information. At this point, as a contract between the employer and the administrator or management company of the wage prepayment system, if the worker who provides the labor to the employer requests the prepayment of wages, the amount equivalent to the prepayment. There is a contract that the credit card company may be charged (the fee of the wage prepayment agency may be converted). This agreement is preferably stored in writing or electronically in this system or in related systems of this system.

This credit card identification information is sent to the credit card identification information holding unit even if the payment processing request by the user credit card payment processing request unit (1304), which will be described later, that is, as a result of the authority request, the authority is not fulfilled due to the payment processing refusal. It can also be configured to remain and hold. This is because the refusal of payment processing may recover in the future and change to allow payment processing. Therefore, it is conceivable to keep such credit card identification information associated with flags such as normally available and payment suspended so that the credit card identification information can be distinguished from credit cards that perform normal functions. It is preferable to provide a flag changing unit for changing this flag. It is preferable that this flag changing unit is configured to be automatically changed according to the result of a reply to an authority request which is a credit card payment processing request from a credit card company or a credit card settlement agency. If the payment processing request does not return to the state in which payment processing is possible within a predetermined period, the credit card identification information may be deleted from the credit card identification information holding unit (1306). Good. This is processed by the credit card identification information deletion unit or the like.

Further, since the credit card identification information is changed due to the loss or theft of the credit card, it is preferable to configure the credit card identification information to be changed by the authority of the user. This is configured so that the user identification information and the credit card identification information change unit can be accessed by a password or the like so that the user or an authorized person can change the information. By inquiring "Available amount = Usage limit-Unpaid usage amount" to the credit card company, the validity of the credit card identified by the credit card identification information is checked and associated with the above-mentioned flag. You can also do it. This inquiry is made directly to the server of the credit card company, etc., and the credit card validity judgment department of this system directly diagnoses when a new credit card is registered or the recovery of the credit card for which payment is suspended on a regular basis. It may be configured to perform communication, make a judgment, and issue an instruction to rewrite the flag.

<Embodiment 5 Money System Identification Information Holding Unit (1302)>
The "money system identification information holding unit (1302)" is limited to worker identification information and money system identification information (typically a bank account) that can be used by workers identified by the worker identification information. It does not include, but is not limited to, electronic money charge ID, prepaid card ID, debit card ID, virtual currency account, and identification information of a point account from which goods and services can be purchased.) , Are configured to be associated and held.

The "money system identification information" is used as information for identifying the destination to which the prepaid wages are to be remitted when the prepaid wages are executed. Two or more money system identification information may be associated with one worker identification information, and when making a wage prepayment request, the worker may select one remittance destination from multiple remittance destinations or prepay. The system may be provided with a remittance destination selection unit that divides wages into a plurality of remittance destinations and allocates each amount from a plurality of remittance destinations. FIG. 80 shows a holding list screen of various information of workers. Two financial institutions are registered as name, gender, age, mobile phone number as contact information, e-mail address, and money system information when using the wage prepayment system. As a financial institution 1, an ordinary account of the Yurakucho branch of Chiyoda Bank is registered as an example of a bank account, and as a financial institution 2, LINE Pay (registered trademark of LINE Co., Ltd.) operated by LINE Pay Co., Ltd. is registered.

The money system identification information can be configured to be registered at the same time as the worker is registered in the system. In addition, the worker may be made to change or add the money system identification information once registered. For example, in this system, it is possible to configure the money system identification information editing unit to have such a function. The money system identification and editorial department can be configured so that the change is registered by inputting the worker identification information and the password from the worker. It is preferable to configure this change so that it can be changed from the web page using the Internet. In addition, it may be configured so that it can be registered by operating the numeric keypad (including alphabets and other types of characters and symbols) according to the voice guidance of the telephone.

<Embodiment 5 Prepaid Amount Acquisition Department (1303)>
The “prepaidable amount acquisition unit (1303)” is configured to acquire the prepaid amount, which is the prepaid amount, in association with the worker identification information. Since the source of acquisition of the prepaid amount is the labor record of the worker at the employer as basic information, the prepaid amount is calculated in the wage prepayment system based on the labor record. May be good. As mentioned above, the prepaid amount is the total amount of money that has already been provided to the employer, but the prescribed wage payment date has not arrived, so there is a right to claim compensation, but the amount has not yet been paid. Or part of it. It can be said that it is all legally, but if the worker's life becomes unstable by paying the full amount in advance, or if there is money such as social insurance premiums and taxes that the employer should pay on behalf of the worker If the prepayment is not made with a margin, the user may incur extra expenses, so it is possible to configure the system so that the full prepayment is not allowed.

For example, it is conceivable to give a discount by setting a factor on the legally prepaid wage amount according to the situation of the factors to be considered. Factors that should be taken into consideration at this time are the amount to be deducted from the worker's labor consideration on the employer side (social insurance premiums, taxes, corporate pensions, union fees, travel reserve expenses, banquet reserve expenses, tea charges, light meals). Fees, cover fees, clothing costs, uniform costs, clearing transportation costs, food supply costs, welfare costs, etc.), which should be deducted directly from legally prepaid wages. In addition, as another factor, the worker's daily work performance (years of service, commendation performance, attendance, absenteeism without notice, frequency of sick leave, etc.) → These evaluations are performed by the rating method, and the rating may be adjusted according to the rating. The worker's past problematic behavior (for example, damage to property, damage to goods, injury, trouble with customers, violation of job discipline, violation of job order, and other illegal acts) → Rating according to the severity of the problem, the higher the severity rating, the smaller the scale), the worker's past wage prepayment record (frequency, history of amount, etc. → The higher the frequency and amount, the larger (Make the hook smaller) and so on. In other words, in the case of a good rating of the factors, (legal prepaid wage amount-planned deduction amount) x M%, and in the case of a bad rating, (legal prepaid wage amount-planned deduction amount) x N%. It is configured so that M> N. The acquired prepayable amount information is used to determine whether the desired amount of prepayment included in the prepayment request is possible.

FIG. 77 shows an example of Mr. Taro Yamada, who works at Tanaka Shoten Co., Ltd., as an example of an information holding screen such as a worker's total planned wage, total wage prepaid amount, and moaning prepaid amount. The basic salary is 1000 yen, and as shown in various worker information in FIG. 80, since he is a shift leader, an evaluation premium rate of 10% is given. FIG. 78 shows the working conditions of Mr. Taro Yamada in April and May 2020. Tanaka Shoten Co., Ltd. pays wages on the 24th of the following month with the actual working conditions closed at the end of the month. If you are applying for prepayment on May 10th today, the status of work hours and holidays from April 1st to May 9th the day before is shown. Normally, if you work 8 hours / day, for example, you work 9 hours on April 17, so you will be working overtime for 1 hour. FIG. 81 shows, for example, Mr. Taro Yamada's planned wage amount in May 2020 and the consideration for labor until May 9. In April, he went to work for 25 days and worked for a total of 203 hours, of which 5 hours were overtime with overtime allowance and 198 hours were overtime. In May, I work for 8 days, and only work within hours is 64 hours. Since the evaluation premium rate is 10% and the overtime premium is 25%, the amount worked in April is (198 hours x 1000 yen x 110%) + (5 hours x 1000 yen x 110% x 125%) = 224,675 yen. Similarly, the amount worked in May is (64 hours x 1000 yen x 110%) = 70,400 yen. In addition to the estimated amount of fees that will be incurred each time you receive prepaid payments using social insurance premiums and the wage prepaid system, if you receive all labor compensation in advance, there is a concern that the lives of workers will become unstable, so the full amount will be paid in advance. The deduction rate is set to 50% so that it does not occur. Therefore, (224,675 yen + 70,400 yen) x (100% -50%) = 147537.5 yen is the amount excluding the deduction amount. When the prepaid target is in units of 1000 yen, the total amount that can be prepaid is 147,000 yen, which is the amount rounded down to the nearest 1000 yen. FIG. 82 shows an example of a list of prepaid history. FIG. 82 shows an example when the fee for using the wage prepayment system is configured to be included in the prepayment amount and settled. Mr. Taro Yamada has already received two advance payments of 10,000 yen on April 23 and May 8, so as of May 10, the amount that can be paid in advance is 147,000 yen-20,000 yen = 127. It will be 000 yen.

In principle, the prepaid amount acquisition department acquires the prepaid amount at the time of acquiring the wage prepaid request, but it will be possible to pay if it is assumed that normal labor will be carried out over a future date. It may be configured to obtain the amount that would be. For example, it may be configured to acquire the estimated prepaid amount corresponding to each future date calendar. In addition, instead of the future calendar format, it may be configured to acquire and present the expected prepaid amount on the future date in response to the input of the future date from the worker.

<Embodiment 5 Wage Prepaid Request Acquisition Department (1307)>
The "Wage Prepaid Request Acquisition Department (1307)" is configured to obtain a wage prepayment request including a wage prepayment request that associates a worker identification information with a desired amount within the prepayable amount from a worker. ..

A "wage prepayment request" is a money system identified by money system identification information that has the same or approximate value as money or money, and the wages are paid in advance for the purchase of goods or services. It is a request to make it available. For example, when a worker suddenly spends money but cannot afford to cover the cost, the worker requests prepayment of wages to the employer who provided the work. Information for making a request.

The "desired amount" is, for example, when the worker's bank account is the object to be identified by the money system identification information, the amount actually to be transferred to the bank account, and the system based on the desired amount. It can be divided into cases where it is assumed that the amount after deducting the administrator / operator's fee will be transferred, and cases where it is assumed that the amount will be transferred, but in the present invention, both cases are included. When acquiring a wage prepayment request, it is configured to accept only a desired amount within the prepayable amount acquired by the prepayable amount acquisition unit (1303). The bank account used by the worker may be registered in this system, and the desired amount may be set to a negative amount so that the prepaid wage can be returned. In this case, the amount equivalent to the prepaid wages will be remitted from the balance of the registered bank account to the bank account or the like managed by the person who manages or operates the wage prepaid server. A bank account is taken as an example, but the same applies to electronic money outside the bank. In addition, the wage prepayment request can be configured to enable the wage prepayment reservation by associating the information indicating the prepayment timing with the wage prepayment request. In a normal configuration, a wage prepayment request is output, and if the request is approved, the wage prepayment process is executed at the fastest speed that can be processed by the system. When a certain purpose, for example, payment of utility charges, must be used, wage prepayment is executed on the due date of the utility charges, etc. in order to eliminate the possibility of wasting the money. There is a merit to make a prepaid wage reservation.

"Within the prepaid amount" is achieved by configuring the GUI of the terminal used by the worker when making a wage prepaid request so that only the wage prepaid request within the prepaid amount is accepted. Typically, the amount that can be paid in advance is set in units of 1000 yen, and fractions less than 1000 yen are rounded down, and icons that can be selected for presentation and tools that are configured so that only a predetermined amount can be selected by scrolling are used. It is configured so that only the desired amount of prepayment can be requested. It is preferable to configure the system so that the prepaid request can be made only within the prepaid amount, because the worker can save the trouble of re-doing the prepaid request and psychologically eliminate the disappointment. Further, by adopting such a GUI, it is also preferable that information on how much prepaid is possible can be provided to workers at the same time in advance. Such a GUI may be configured by the wage prepayment request acquisition department providing a web page via the Internet, or an application capable of configuring such a GUI on a terminal managed by a worker. It may be introduced and such a GUI may be realized in collaboration with the wage prepayment request acquisition department.

<Embodiment 5 User Credit Card Payment Processing Request Unit (1304)>
The "user credit card payment processing request unit (1304)" has a desired amount of the prepaid request within the acquired prepaid amount (a fee may be added to the desired amount, and in that case, the same name is used. ) And the credit card identification information associated with the user identification information that identifies the user who uses the worker, and the user credit card payment processing request for processing the user credit card payment. Is configured to output.

That is, the user credit card payment processing request is a process of requesting a wage prepayment agency to pay a desired amount or an amount obtained by adding a fee to the desired amount from the credit card company. If the request from this process is successfully accepted by the credit card company, the wage prepayment agent can immediately make the desired amount of wage prepayment to the worker. Because it is extremely rare for a credit card company to go bankrupt, the wage prepayment agency is required by the worker to ensure that the amount of money equivalent to the wage prepayment is available from the credit card company. In response, wage prepayment can be carried out with the own funds of the wage prepayment business. In the unlikely event that the user cannot pay the amount equivalent to the wage prepayment or the amount of the wage prepayment agency fee added to the credit card company, the loss is limited to the credit card company and the credit card company Money equivalent to the wage prepayment amount will be paid to the wage prepayment agency. When multiple types of credit card identification information are associated with the user identification information, even if the reply is that it is impossible to reply to the payment request with one credit card, the other credit card identification It is preferable to configure the information to supplement the user credit card payment request of the same amount.

<Implementation 5 Payment processing availability information acquisition unit (1308)>
The "payment processing availability information acquisition unit (1308)" is configured to acquire payment processing availability information, which is information indicating payment processing availability, in response to the output user credit card payment processing request.
"Payment processing availability information" is a processing generally called "authorization" in credit card processing.

FIG. 84 shows the flow of processing in the system. FIG. 84 (a) shows a case where a wage prepaid agency makes an authority request to a credit card company, and FIG. 84 (b) shows a case where a credit card settlement agency is sandwiched.
Credit card payment generally completes the payment procedure by performing "authorization" and "sales processing". "Authorization" is an abbreviation for "authorization (or the same shall apply hereinafter to" authorization ")", and in the case of the present invention, it is "a work of confirming whether payment can be made with a user's credit card identified by user identification information". Also called "credit approval" or "sales approval", the credit card company confirms whether the user's credit card is valid and whether the usage limit has been reached, and then secures the credit card usage limit. Say the process to do. When using a credit card, the settlement is completed after the sales are processed after the approval of the "authority". "Authorization" also confirms the usage limit. Credit cards can only be used within the set usage limit, except for some credit cards. Since the wage prepayment system cannot know whether the credit card used by the user has reached the usage limit, check the limit with the credit card company each time by passing through the "authorization". Take. At the same time, the credit card company also checks whether there are any problems such as payment delays of the user himself, and also checks whether sound transactions can be made. When the card company approves the payment after performing the "authorization", the card company issues an "authorization code". The "authorization code" is like a reservation number, and "sales processing" is not performed at the time of issuance. However, based on the "authorization code" issued at that time, the card company will pay the wage prepaid agent the amount equivalent to the wage prepaid amount or the amount including the fee of the wage prepaid agent. It will be. Therefore, it is essential to obtain and store the "authorization code". In this system, it is preferable to configure the system so as to have an acquisition unit and a holding unit of the "authorization code" in association with the user identification information. If the "authorization" is not approved, an error will occur and the result will be that credit card payment is not possible. The most common causes of non-approval are incorrect entry of the card number and PIN, expiration date, and exceeding the usage limit. In case of disapproval, an error code will be given by the credit card company according to each error.

The flow of request processing will be described with reference to FIG. 84 (a). Worker A requests a wage prepayment agency (1) prepayment. The wage prepaid agency makes a request to credit card company A (2) for authority. At credit card company A, check whether the credit card of "user A" who requested the authorization is valid and whether the usage limit has been reached, secure the usage limit, and (3) issue an authorization code and reply. .. The wage prepayment agency that received the authorization code promises to pay at a later date from the credit card company A, so (4) pays the wage prepayment to worker A. Receive payment processing from credit card company A as (5) sales processing. Separately, the credit card company A charges the user A, who is the credit card holder, for (6) expenses, and (7) deducts the payment from the bank account of the user A at a predetermined date and time. Employer A pays worker A wages excluding (8) prepaid wages on the predetermined wage payment date. FIG. 84 (b) shows the flow through the credit card settlement agency A. Although the number of levels will increase by one level, the request for authorization, confirmation of the credit card expiration date and usage limit by credit card company A, reservation of usage quota, etc. will be performed in the same way. When user A uses multiple credit cards, the wage prepayment agency can handle all credits by making a transaction through a credit card settlement agency that has transactions with the relevant multiple credit card companies. By dealing with a credit card settlement agency instead of directly processing and exchanging with the credit card company, the number of business partners can be reduced at once.

<Embodiment 5 Prepaid processing information output unit (1305)>
The "prepayment processing information output unit (1305)" pays the wages in advance when the acquired payment processing availability information is payment processing enablement information which is information that payment processing is possible, that is, when the "authority" is passed. Money system associated with worker identification information of the requesting worker The desired amount (fees may be deducted, in which case the same name is used) to be available in the money system identified by the identification information. It is configured to output prepaid processing information, which is information for performing prepaid processing, which is processing for paying.

<Example 5 Processing flow>
FIG. 14 is a flowchart of the operation processing of the wage prepaid system according to the fifth embodiment. As shown in this figure, in the wage prepayment system of the embodiment, the employer / worker identification information holding step (S1401), the credit card identification information holding step (S1402), the money system identification information holding step (S1403), and the prepayment Possible amount acquisition step (S1404), wage prepayment request acquisition step (S1405), user credit card payment processing request step (S1406), payment processing availability information acquisition step (S1407), prepayment processing information output step (S1408). ) And.

Here, in the employer-worker identification information retention step (S1401), the worker identification information that identifies the worker who is the person who receives the compensation by the labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S1402) can be used by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S1403) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S1404) is associated with the worker identification information. The process of acquiring the prepayable amount, which is the prepayable amount, is performed, and the wage prepayment request acquisition step (S1405) is the prepayment of the wage in which the worker identification information is associated with the desired amount within the prepayable amount from the worker. The process of acquiring the wage prepayment request including the request is performed, and the user credit card payment processing request step (S1406) is performed on the desired amount of the prepayment request within the acquired prepayable amount (when a fee is added to the desired amount). The same name is used in this case as well.) And the credit card identification information associated with the user identification information that identifies the employer who uses the worker. The process of outputting the user credit card payment processing request for making the payment is performed, and the payment processing availability information acquisition step (S1407) is the information indicating whether or not the payment processing is possible for the output user credit card payment processing request. A process for acquiring a certain payment processing possibility information is performed, and the prepayment processing information output step (S1408) is a wage prepayment when the acquired payment processing possibility information is payment processing possibility information which is information that payment processing is possible. Pay the desired amount (a fee may be deducted, and the same name shall be applied in that case) to the money system identified by the money system identification information associated with the worker identification information of the requesting worker. The process of outputting the prepaid processing information, which is the information for performing the prepaid processing, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S1408) is skipped. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

FIG. 87 shows an example of a smartphone application screen as an operation example when receiving wage advance payment in the fifth embodiment. Mr. Taro Yamada, a worker, operated a smartphone and displayed a prepaid application screen for a dedicated application. It is based on what has been described with reference to FIG. 86 in Embodiment 1. Choose a place of employment because you are employed by multiple companies. In the case of FIG. 87, Tanaka Shoten Co., Ltd. is selected from the pull-down menu. The "prepaid amount" of 127,000 yen is displayed in advance above the field for entering the prepaid application amount. It is the amount that can be paid in advance calculated from the hourly wage of the worker, the valuation premium rate, the deduction rate, the working situation of the current month, and the total amount of prepaid payment. On this screen, the input is in units of 1000 yen. Input using the software number keys at the bottom of the screen, and if you make a mistake, use the BS (BackSpace) key and Delete (Delete) key on the screen to correct it. The amount exceeding the displayed prepaid amount is set not to be accepted as an input error. When you enter the amount and press the "Enter" button, the screen changes to the screen shown in FIG. 89. FIG. 89 is a screen in the case where the fee related to the prepaid processing is included in the application amount and processed. The prepaid application amount is 10,000 yen, and the "internal fee of 764 yen" is displayed below it. The fee of 10,000 yen includes the fee related to prepaid processing, and Taro Yamada is actually paid 10,000-774 = 9226 yen. When a plurality of transfer destinations are registered, they can be selected with the pull-down menu, and in FIG. 88, the Yurakucho branch of Chiyoda Bank is displayed. If the setting as it is is acceptable, when the "prepaid application execution" button is pressed, the prepaid processing request is issued and acquired by the wage prepaid system in the above-mentioned wage prepaid request acquisition step (S1405). FIG. 90 shows a viewing screen of the history of receiving prepaid. Here is an example of receiving two prepayments and including a fee in the prepayment. Fees associated with prepaid processing can also be configured to be processed outside of the prepaid amount. In the case of outside, the history is recorded as shown in Fig. 91, and when the advance payment of 10,000 yen is received, the actual advance payment process is recorded as paying 10820 yen including the fee, and from the planned wage amount. It will be deducted.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of Embodiment 5 Hardware>
FIG. 15 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the fifth embodiment and peripheral devices thereof. "Various types" connected to "CPU" (1501), "nonvolatile memory" (1502), "main memory" (1503), "bus line" (1500), "internal interface" (1545), and internal interface (1545). It is composed of a communication (1541), an interface (1542), a memory (1543), a disk (1544), etc., which are connected to the "device" (1546), the "external interface" (1540), and the external interface (1540).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (1504), a credit card identification information holding program (1505), a money system identification information holding program (1506), and a prepaid amount acquisition program (1507). ), A wage prepayment request acquisition program (1508), a user credit card payment processing request program (1509), a payment processing availability information acquisition program (1510), and a prepayment processing information output program (1511). As data, employer identification information (1512), worker identification information (1513), credit card identification information (1514), money system identification information (1515), prepayable amount (1516), desired amount within the prepayable amount (1517), wage prepayment request (1518), user credit card payment processing request (1519), payment processing availability information (1520), prepayment processing information (1521) are retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 6> Claims 14, 38, 62 (No judgment: Receive the prepaid amount from the labor status management server)
The sixth embodiment is based on the wage prepaid system of the fifth embodiment, further has a labor status management server, and is configured to acquire a prepaid amount from the labor status management server.

The operation of the present invention includes systems (computers, information storage devices, etc.) managed by prepaid agents, communication networks, smartphones and tablet PCs for workers to make prepaid requests, and other portable and stationary information processing devices. In addition, a worker's labor status management server managed by the employer, a PC or mobile terminal used by the employer to check the worker's prepaid usage status, etc. are used. FIG. 76 shows an example of an overall outline of this system. Wage prepayment agency, employer A, employer B, employed worker A and worker B, credits related to confirmation of prepayment payment availability using the wage prepayment system provided by the wage prepayment agency The card payment agency A and the credit card payment agency B, the credit card company A and the credit card company B used by the user are connected via the Internet and exchange information such as a wage prepayment request and a prepayment approval / disapproval judgment.

A labor status management server is a computer device that keeps updating the value of the amount of consideration itself, which is obliged to pay labor for the employer and has not yet been paid, on an hourly or daily basis. It refers to a computer device that keeps updating labor record data on an hourly or daily basis for calculating the amount of consideration for which the employer is obliged to pay the compensation for labor and the payment has not yet been executed. It includes a system such as attendance management, or is connected to the system such as attendance management by communication, and acquires IC card information for entering and exiting workers and accumulates the working status of workers. In FIG. 76, it is described that the labor status management server according to the present invention is provided on the wage prepaid agency side, but for the prepaid agency company, it is sufficient that at least the prepaid amount can be obtained, so that the employer side maintains and operates it. You may. As shown in FIG. 76, the prepaid agent may maintain and operate the service and provide necessary information to the user. The employer has a labor status management server 1 that has a function to perform more processing such as deduction of social insurance premiums, and the working hours and unit price for the labor status management server 2 provided on the prepaid agency side. By providing information and walking information for deducting a predetermined amount, the prepaid amount may be calculated. On the contrary, the prepaid agency has a labor status management server, provides a time recorder for grasping the labor status to the employer, and the worker who provides the labor to the employer uses the time recorder to provide attendance information. May be entered. In that case, the labor status management server installed on the prepaid agency side provides the labor status management information of each worker to the employer side. The same effect can be obtained regardless of whether the employer or the prepaid agency mainly maintains and operates the information necessary for the employer to manage the labor of the worker and pay the wages and the information related to the prepaid. When the prepayment agency manages labor management information including the attendance of workers, it has the effect of saving management equipment and labor costs of the person in charge for micro-enterprise and small and medium-sized enterprises.

<Embodiment 6 Functional Configuration>
FIG. 16 is a functional block diagram of the sixth embodiment. The sixth embodiment further has a labor status management server in the configuration of the wage prepayment system of the fifth embodiment, and the labor status management server (1611) includes a labor status information management unit (1612) and a labor status information holding unit (1613). The wage prepayment server (1600) has a prepayable amount calculation unit (1615), a prepayable amount record holding unit (1616), a request receiving unit (1614), and a response transmitting unit (1617). (1603) further includes a prepaid amount request transmitting means (1609) and a prepaid amount receiving means (1610). The labor status management server (1611) has a labor status information management unit (1612), a labor status information holding unit (1613), a prepaid amount calculation unit (1615), a prepaid amount record holding unit (1616), and a request receiving unit. (1614), response transmission unit (1617), prepayable amount request transmission means (1609) and prepayable amount receiving means (1609) provided in the prepayable amount acquisition unit (1603) of the wage prepayment server (1600). Except for 1610), it is the same as in the fifth embodiment. Therefore, in the following, the labor status information management department (1612), the labor status information holding department (1613), the prepayable amount calculation unit (1615), and the prepayable amount record holding unit (1616) ), The request receiving unit (1614), the response transmitting unit (1617), the prepaid amount request transmitting means (1609), and the prepaid amount receiving means (1610).

<Explanation of Embodiment 6 Configuration>
<Embodiment 6 Labor Status Information Management Department (1612)>
The "Labor Status Information Management Department (1612)" is configured to manage labor status information, which is information indicating the working status of an employer's worker identified by the employer identification information, in association with the worker identification information. To. "Labor status" is a word that indicates the labor status and causes wages to be generated by the employer. "Labor status information" is information indicating the labor status, and can be displayed in various ways. For example, how to measure labor by measuring the amount of labor that indicates the labor situation, how to measure the amount of labor that indicates the labor situation by the quality and quantity of tangible and intangible deliverables obtained as a result of labor, and the labor situation. How to measure the amount of labor that indicates labor by the amount of excluded objects that have disappeared as a result of labor, how to measure the amount of labor that indicates labor status by the amount of consideration such as money or monetary substitutes obtained as a result of labor, labor status There are various measurement methods such as how to measure the amount of labor that indicates the result of labor by the quality and quantity of evaluation obtained from the customer or a third party, and the labor situation information is one or more of these methods of measurement. It contains the information measured in.

<Embodiment 6 Labor Status Information Holding Department (1613)>
The "Labor Status Information Holding Department (1613)" is configured to retain working status information, which is information indicating the working status of an employer's worker identified by the employer identification information, in association with the worker identification information. To. In addition, the labor status information is configured to be retained in association with the time (including the date and further time) in which the labor indicated in the labor status information should be evaluated. This is to clarify when labor claims are incurred, which employers are obliged to pay based on labor. In addition, it is preferable that the labor status information is retained for a certain period of time even after the payment of the labor receivable for which the employer is obliged to pay due to the labor status information is completed. Furthermore, it is preferable that the retained labor status information be configured so that it can be disclosed to the workers who have worked. It is preferable to configure the terminal device used by the worker based on the worker identification information and the password input so that the terminal device can be viewed via the web page. Further, the retained labor status information is preferably configured to be disclosed to the employer, and it is preferable that the retained labor status information is disclosed in the same manner as in the case of the worker by inputting the employer identification information and the password. In addition, the labor status information may be configured so that the employer can download it all at once and utilize it as the labor management information of the employer. It is also conceivable to provide a statistical processing function for labor status information on the wage prepaid server side so that the labor status information of workers related to themselves can be statistically processed with the authority of the employer. By constructing in this way, it becomes information to judge whether the working environment is improved in line with the trend toward work style reform. In addition to the statistical processing function, a working environment improvement judgment rule holding unit that holds the working environment improvement judgment rule for judging whether the working environment is improved or not is set up, and the statistical processing result and this rule It may be configured to output a working environment improvement judgment report that periodically reports the judgment result to the employer using. The worker identification information has a hierarchical structure according to the employer's organization, and by configuring the worker identification information so as to clarify the relationship between the boss and subordinates among the workers, it is possible to work by boss or organization. It may be configured to show the degree of improvement of the environment.

<Embodiment 6 Prepaid Amount Calculation Unit (1615)>
The “prepaid amount calculation unit (1615)” is configured to calculate the prepaid amount based on the labor status information associated with the worker identification information. The calculation of the prepaid amount may be configured to be calculated periodically independently of the wage prepaid server, or may be configured to be calculated in response to a request from the wage prepaid server. In any case, in principle, the amount that can be paid in advance is calculated based on the time of calculation. However, depending on the request, it may be configured to calculate the prepaid amount at a future point in time. Further, when the labor status management server periodically performs the calculation, the calculated prepaid amount may be output to the employer and / and the worker so as to be viewable. It is convenient to output the automatically calculated prepaid amount in a graphed form so that it can be viewed, and it is also possible to graph the fixed prepaid amount up to the present and the planned prepaid amount in the future. At first glance, it is convenient because you can grasp the amount of money that can be paid in advance from the present to the future. In addition, when the prepaid amount calculation unit (1615) calculates the prepaid amount expected in the future, it is possible to work in various ways by installing a simulation function and setting parameters used for simulation. , The resulting prepaid amount may be calculated. Parameters include, for example, overtime hours planned in the future, paid vacations scheduled to be taken in the future, business trips and outings planned in the future, amount of advance payments scheduled to occur in the future, salary increases and salary reductions planned in the future, and other futures. These are various factors that influence the planned or expected working conditions information.

<Embodiment 6 Prepaid Amount Record Holding Unit (1616)>
The “prepaidable amount record holding unit (1616)” is configured to record and hold the calculated prepaid amount in association with the worker identification information. It is preferable that the record-holding prepaid amount is configured so that not only the current prepaid amount but also the past prepaid amount in association with the time (date, time, etc.) is recorded. It is preferable that the past prepayable amount held is also graphed and made available to employers and / and workers. It is also good to configure it so that it can be viewed via a web page. Further, it may be configured to be displayed in a table format without graphing, or it may be configured to display the prepaid amount at that time by inputting a past date or the like.

<Embodiment 6 Request Receiver (1614)>
The "request receiving unit (1614)" associates the wage prepayment server (1600) with the worker identification information and makes a prepayable amount acquisition request which is a request for acquiring the prepayable amount associated with the worker identification information. Configured to receive. In addition, this prepaid amount acquisition request may include a plurality of worker identification information in one acquisition request. That is, it may be a batch processing type request. When there is a request for a batch processing type, it is preferable that the processing by the response transmission unit (1617), which will be described later, is also a batch type. The request also contains information to prove the authenticity of the requested wage prepayment server (1600) and the authenticity of the matter that caused the wage prepayment server (1600) to generate this request. It is preferable to have. The most representative of the matters that caused the wage prepayment server (1600) to generate this request is the wage prepayment request associated with the worker identification information from the worker. The authenticity of this wage prepayment request may be authenticated by the wage prepayment server (1600), and the authenticity information may not be transmitted to the subsequent labor status management server (1611), but double security is provided. Therefore, it is preferable to configure the labor status management server (1611) to perform a double check again. The acquired prepaid amount acquisition request is preferably configured to be held in association with the prepaid amount acquisition request identification information that identifies the prepaid amount acquisition request. This holding is configured so that the time (date, time, etc.) at which the prepaid amount acquisition request is received is associated and held. The reception of the prepaid amount acquisition request triggers the prepaid amount calculation process, or if the prepaid amount is calculated and held in advance, the prepaid amount acquisition process is triggered. Will be. The communication line for receiving requests is typically the Internet, but VPN may be configured for transmission and reception instead of general communication on the Internet.

<Embodiment 6 Response Transmitter (1617)>
The "response transmission unit (1617)" is configured to transmit the prepaid amount associated with the worker identification information received in response to the reception of the prepaid amount acquisition request to the wage prepaid server (1600). Will be done. As a general rule, this transmission is preferably configured to respond within the same session without disconnecting the communication session that received the wage prepaid amount acquisition request. This is because the authenticity check becomes complicated due to the session disconnection, and the calculation load increases. In principle, the response transmission is configured so that the response transmission is performed according to the reception order of the prepaid amount acquisition request. This is because it is possible to reduce processing errors by performing first-in and first-out processing. This communication is also typically performed via the Internet.

<Embodiment 6 Labor Status Management Server (1611)>
The "labor status management server (1611)" includes the labor status information management unit (1612), the labor status information holding unit (1613), the prepaid amount calculation unit (1615), and the prepaid amount record holding unit (1616). It has a request receiving unit (1614) and a response transmitting unit (1617), and manages and retains the working status of the employer's worker identified by the employer identification information in association with the worker identification information. It is configured to calculate the prepaid amount associated with. As an example, this corresponds to the labor management computer of the company that is the user. On the other hand, a business model can be constructed so that the operation manager of the wage prepaid server (1600) manages the labor status management server (1611). In that case, the employer can receive the information service provided by the labor status management server (1611) as well as the wage prepayment server (1600), and can collectively manage the labor status of the workers of many employers. Since the service can be received centrally, efficient operation can be performed as a whole. In such a case, the wage prepaid server (1600) and the labor status management server (1611) are configured to be accessible and operational with the same authority. Further, the wage prepaid server (1600) and the labor situation management server (1611) may be physically integrated. The actual state of the labor status management server (1611) may be a labor management application on a normal personal computer or the like.

<Example 6 Regarding wage prepaid server>
In addition to that of the fifth embodiment, the wage prepayment server (1600) has a prepayable amount request transmitting means (1609) in the prepayable amount acquisition unit (1603) as an additional configuration, and further has a prepayable amount receiving means (1600). 1610).
<Embodiment 6 Wage prepayment server: prepayable amount request transmission means (1609)>
The "prepaidable amount request transmitting means (1609)" is a prepaid amount acquisition unit (1609) so as to transmit a request for the prepaid amount of the worker in association with the worker identification information to the labor status management server (1611). It is configured in 1603). As described above, the labor status management server (1611) calculates the prepaid amount based on the labor status information, and in principle acquires the prepaid amount. This is because the prepaid amount is generated based on the wage receivables generated as compensation for labor. The trigger for requesting the prepayable amount of the wage prepayment server (1600) is typically triggered by the worker making a prepayment request for wages on a mobile terminal or the like managed by the worker. The prepaid request by the worker is acquired by the wage prepaid server (1600), and the prepaid amount request is output to the labor status management server (1611) triggered by this. As a general rule, the prepaid amount request is started by the worker's trigger, but in some cases, the wage prepaid server (1600) periodically repeatedly sends the prepaid amount to the labor status management server (1611). It can also be configured to. Communication congestion is achieved by acquiring and holding prepaid amounts of multiple workers at once from the labor status management server (1611) by batch processing instead of requesting the labor status management server (1611) each time. Can also be alleviated. The wage prepayment server (1600) must provide wage prepayment services to hundreds of thousands of workers in some cases. In particular, there is a risk that wage prepayment requests will be concentrated before workers go to work, during lunch breaks, and when leaving the office from evening to night, so the wage prepayment server (1600) holds the prepayable amount in advance. As a result, communication between the wage prepayment server (1600) and the labor status management server (1611) can be relaxed. In general, wage receivables are generated on a daily basis, so the labor receivables generated for the work up to the previous day do not change until the end of the next day. Therefore, for example, the wage prepayment server (1600) can be configured to output a request for the prepayable amount to the labor status management server (1611) by batch processing and accumulate it in the early morning.

<Embodiment 6 Wage prepayment server: Prepaid amount receiving means (1610)>
The “prepaid amount receiving means (1610)” is configured in the prepaid amount acquisition unit (1603) so as to receive the prepaid amount in response to the request from the labor status management server (1611). As mentioned above, the prepaid amount is received in association with the worker identification information, but it can be configured to receive the prepaid amount for a large number of workers in batch processing in association with the employer identification information. preferable. The prepayable amount is received in batch processing so that the file identified by the user identification information contains the prepayable amount for all workers who can enjoy the user's wage prepayment service. The configuration makes information processing efficient. It is preferable that the prepaid amount received in this way is configured so that the prepaid amount for all users who enjoy the service is also stored in one folder.

<Example 6 Processing flow>
FIG. 17 is a flowchart of the operation processing of the wage prepaid system according to the sixth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S1701), a credit card identification information holding step (S1702), and a money system identification information holding step (S1702). S1703), the prepaid amount acquisition step (S1704), the prepaid amount request substep (S1705), the prepaid amount receiving substep (S1706), and the wage prepaid request acquisition step (S1707). It has a user credit card payment processing request step (S1708), a payment processing availability information acquisition step (S1709), and a prepaid processing information output step (S1710). In the labor status management server, the labor status information management step (RS1701), the labor status information holding step (RS1702), the request receiving step (RS1703), the prepaid amount calculation step (RS1704), and the prepaid amount record holding step (RS1705), response transmission step (RS1706).

In the wage prepayment server, the employer-worker identification information retention step (S1701) is performed by the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S1702) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S1703) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S1704) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S1705) in the prepayable amount acquisition step (S1704) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepayable amount, which is the amount, to the labor status management server is performed, and the prepayable amount receiving substep (S1706) performs the process of receiving the prepayable amount as a response to the request, and the wage prepayment request acquisition step ( S1707) performs a process of acquiring a wage prepayment request including a wage prepayment request that associates the worker identification information with the desired amount within the prepayable amount from the worker, and performs a process of obtaining a wage prepayment request, and an employer credit card payment processing request step (S1707). S1708) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S1709) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S1710) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S1710) is skipped.

In the labor status management server, the labor status information management step (RS1701) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS1702) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. In the request receiving step (RS1703), the prepayment possible amount associated with the worker identification information, which is issued from the wage prepayment server in the prepayable amount request substep (S1706), is associated with the worker identification information. A process of receiving a prepaid amount acquisition request, which is a request for acquiring an amount, and a process of skipping the following steps until after the response transmission step (RS1706) if the prepaid amount acquisition information request is not received. If the prepayable amount request is received, the prepayable amount calculation step (RS1704) performs a process of calculating the prepayable amount based on the working situation information associated with the worker identification information, and performs the prepayable amount. The record holding step (RS1705) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS1706) receives the request in response to the request from the wage prepayment server. Performs processing to send the prepaid amount associated with the worker identification information to the wage prepaid server. The prepaid amount transmitted in the response transmission step (RS1706) on the labor status management server is received in the prepaid amount receiving substep (S1706) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of Embodiment 6 Hardware>
FIG. 18 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the sixth embodiment and the labor situation management server. Prepaid wage servers include "CPU" (1801), "bus line" (1800), "nonvolatile memory" (1802), "main memory" (1803), "internal interface" (1849), and internal interface (1849). (1850), "external interface" (1844), and "communication" (1845), "interface" (1846), "memory" (1847), "disk" connected to the external interface (1844). "(1848) and the like. Labor status management servers include "CPU" (1851), "bus line" (1852), "nonvolatile memory" (1853), "main memory" (1870), "internal interface" (1863), and internal interface (1863). "Various devices" (1864), "external interface" (1865) connected to 1863), and "communication" (1866), "interface" (1867), "memory" (1868), " It is composed of a "disc" (1869) and the like. The wage prepaid server and the labor status management server are connected by a line (1871) connecting communication (1845) and communication (1866). FIG. 18 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (1871) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (1804), a credit card identification information holding program (1805), a money system identification information holding program (1806), and a prepayable amount Acquisition program (1807), prepayable amount request transmission subprogram (1808), prepayable amount reception subprogram (1809), wage prepayment request acquisition program (1810), and user credit card payment processing request program (1811). ), A payment processing availability information acquisition program (1812), and a prepaid processing information output program (1813), and the data includes user identification information (1814), worker identification information (1815), and credit card identification. Information (1816), Money System Identification Information (1817), Prepaid Amount (1818), Desired Amount Within Prepaid Amount (1819), Wage Prepaid Request (1820), User Credit Card Payment Processing Request (1821), Payment processing availability information (1822) and prepaid processing information (1823) are retained. In the non-volatile memory of the labor status management server, the labor status information management program (1854), the labor status information retention program (1855), the request reception program (1856), the prepaid amount calculation program (1857), and the prepaid amount record holding It has a program (1858) and a response transmission program (1859), and holds worker identification information (1860), labor status information (1861), and prepaid amount (1862) as data. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 7> Claims 15, 39, 63 (No judgment: credit of user's credit card, throwing authority)
The seventh embodiment is based on the wage prepayment system of the fifth or sixth embodiment, and transmits the user credit card payment request to the credit card payment agent or / and the credit card company. The means is configured to be possessed by the user credit card payment processing request unit.

<Embodiment 7 Functional Configuration>
FIG. 19 is a functional block diagram of the wage prepayment system of the seventh embodiment. In contrast to the configuration of the wage prepayment system of the fifth embodiment, the user credit card payment processing request unit (1904) is configured to have a credit card settlement agency transmission means (1909) as described above. Since the other configurations are the same as those in the fifth embodiment, only the credit card settlement agency transmission means (1909) will be described below. The same effect can be obtained based on the sixth embodiment.

<Explanation of Embodiment 7 Configuration>
<Embodiment 7 Credit card payment agency transmission means (1909)>
The "credit card payment agent transmission means" (1909) is a user of the wage prepayment server (1900) so as to transmit the user credit card payment processing request to the credit card payment agent and / and the credit card company. It is configured in the credit card payment processing request unit (1904).
When using a credit card payment agency in this system, the credit card number of the credit card identified by the credit card identification information associated with the user identification information and, in some cases, the security code are settled by credit card. When the user registers with the agency, the credit card settlement agency issues the credit card identification information used by the credit card settlement agency, which is different from the credit card number, and the operator of the wage prepayment system asks. The identification information may be retained in association with the user identification information.

FIG. 84 shows the flow of processing in the system. FIG. 84 (a) shows a case where the advance wage payment agency makes an authority request to the credit card company, and FIG. 84 (b) shows a case where the credit card settlement agency is sandwiched. The flow of request processing will be described with reference to FIG. 84 (a). Worker A requests a wage prepayment agency (1) prepayment. The wage prepaid agency makes a request to credit card company A (2) for authority. At credit card company A, check whether the credit card of "user A" who requested the authorization is valid and whether the usage limit has been reached, secure the usage limit, and (3) issue an authorization code and reply. .. The wage prepayment agency that received the authorization code promises to pay at a later date from the credit card company A, so (4) pays the wage prepayment to worker A. Receive payment processing from credit card company A as (5) sales processing. Separately, the credit card company A charges the user A, who is the credit card holder, for (6) expenses, and (7) deducts the payment from the bank account of the user A at a predetermined date and time. Employer A pays worker A wages excluding (8) prepaid wages on the predetermined wage payment date. FIG. 84 (b) shows the flow through the credit card settlement agency A. Although the number of levels will increase by one level, the request for authorization, confirmation of the credit card expiration date and usage limit by credit card company A, reservation of usage quota, etc. will be performed in the same way. When user A uses multiple credit cards, the wage prepayment agency can handle all credits by making a transaction through a credit card settlement agency that has transactions with the relevant multiple credit card companies. By dealing with a credit card settlement agency instead of directly processing and exchanging with the credit card company, the number of business partners can be reduced at once.

<Example 7 Processing flow>
FIG. 20 is a flowchart of the operation processing of the wage prepaid system according to the seventh embodiment. As shown in this figure, in the wage prepayment system of the embodiment, the employer / worker identification information holding step (S2001), the credit card identification information holding step (S2002), the money system identification information holding step (S2003), and the prepayment Possible amount acquisition step (S2004), wage prepayment request acquisition step (S2005), user credit card payment processing request step (S2006), and credit card payment agency transmission substep in the user credit card payment processing request step. (S2007), it has a payment processing availability information acquisition step (S2008) and a prepaid processing information output step (S2009).

Here, in the employer-worker identification information retention step (S2001), the worker identification information that identifies the worker who is the person who receives the compensation by the labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S2002) can be used by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S2003) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S2004) is associated with the worker identification information. The process of acquiring the prepayable amount, which is the prepayable amount, is performed, and the wage prepayment request acquisition step (S2005) is the prepayment of the wage in which the worker identification information is associated with the desired amount within the prepayable amount from the worker. The process of acquiring the wage prepayment request including the request is performed, and the user credit card payment processing request step (S2006) is performed on the desired amount of the prepayment request within the acquired prepayable amount (when a fee is added to the desired amount). The same name is used in this case as well.) And the credit card identification information associated with the user identification information that identifies the employer who uses the worker. The process of outputting the user credit card payment processing request for making the user credit card payment processing request is performed, and the credit card payment agency transmission substep (S2007) sends the user credit card payment processing request to the credit card payment agency or / and the credit card company. The payment processing availability information acquisition step (S2008) is a process of acquiring payment processing availability information, which is information indicating payment processing availability, in response to the output user credit card payment processing request. In the prepayment processing information output step (S2009), when the acquired payment processing possibility information is payment processing possible information which is information that payment processing is possible, the worker identification of the worker who requested the wage prepayment is performed. The desired amount (fees may be deducted from the money system identified by the money system identification information associated with the information, in which case the same call Let's name it. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S2009) is skipped. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of Embodiment 7 Hardware>
FIG. 21 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the seventh embodiment and peripheral devices thereof. "Various types" connected to "CPU" (2101), "nonvolatile memory" (2102), "main memory" (2103), "bus line" (2100), "internal interface" (2147), and internal interface (2147). It is composed of a communication (2143), an interface (2144), a memory (2145), a disk (2146), and the like, which are connected to the "device" (2148), the "external interface" (2142), and the external interface (2142).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (2104), a credit card identification information holding program (2105), a money system identification information holding program (2106), and a prepaid amount acquisition program (2107). ), The wage prepayment request acquisition program (2108), the user credit card payment processing request program (2109), the credit card settlement agency transmission subprogram (2110), the payment processing availability information acquisition program (2111), and It has a prepayment processing information output program (2112), and as data, user identification information (2113), worker identification information (2114), credit card identification information (2115), money system identification information (2116), prepayment is possible. Amount (2117), desired amount within prepayable amount (2118), wage prepayment request (2119), user credit card payment processing request (2120), payment processing availability information (2121), prepayment processing information (2122) It is being held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 8> Claims 16, 40, 64 (No judgment: contact the user when the authority does not pass)
The eighth embodiment is based on the wage prepayment system of any one of the fifth and seventh embodiments, and the wage prepayment server obtains payment processing disapproval information, which is information that payment processing is not possible. In this case, the payment processing refusal information, which is information that payment processing cannot be performed, is sent to the terminal used by the user identified by the user identification information associated with the worker identification information that requested the wage prepayment. It is configured to further have a payment processing refusal information transmission unit for transmitting to the payment processing refusal information.

<Embodiment 8 Functional Configuration>
FIG. 22 is a functional block diagram of the wage prepayment system of the eighth embodiment based on the fifth embodiment. In contrast to the configuration of the wage prepayment system of the fifth embodiment, the payment processing refusal information transmission unit (2209) is further configured as described above. Since the configuration other than the payment processing refusal information transmitting unit (2209) is the same as that of the fifth embodiment, only the payment processing refusal information transmitting unit (2209) will be described below. The same effect can be obtained even if any one of the sixth to the seventh embodiments is used as a basis.

<Explanation of Embodiment 8>
<Embodiment 8 Payment Processing Refusal Information Transmission Unit (2209)>
The "payment processing refusal information transmission unit" (2209) indicates that payment processing cannot be performed when the payment processing possibility information acquired by the wage prepayment server (2200) is payment processing impossible information which is information that payment processing is not possible. The payment processing refusal information, which is the information of the above, is configured to be transmitted to the terminal used by the employer identified by the employer identification information associated with the worker identification information that requested the wage prepayment. This is to make the employer aware that there is a high possibility that the employment contract obligation between the employer and the worker has been violated. In addition, since it is possible that the balance of the bank account managed by the user is insufficient, it also has the meaning of alerting the user to accumulate the balance in the bank account. In addition, the credit card may have expired and the renewal process has not been performed. In that case, it also has a meaning of prompting the credit card renewal process. When the credit card is renewed, the security code of the credit card may have changed, and the credit card held in the credit card identification information holding unit (2206) of the wage prepayment server (2200) is identified. It also has the meaning of encouraging the update process of the security code included in the information to be provided (credit card identification information includes both the credit card number and the security code, and is linked to the credit card and its security code from the credit card agency. There can be two cases in which a separate identification information is received and registered.)
This payment processing refusal information may be configured to be displayed in the service provision screen configured by the wage prepaid service provision program installed on the terminal used by the user, or may be configured to be displayed in the browser of the terminal used by the user. It may be configured to be notified by browsing the web page provided by the wage prepayment server (2200), or to be notified by an e-mail or a short message to the terminal used by the user. You may. Further, it may be configured to notify the mobile phone or smartphone used by the user by an automatic voice message.

<Example 8 Processing flow>
FIG. 23 is a flowchart of the operation processing of the wage prepaid system according to the eighth embodiment. As shown in this figure, in the wage prepayment system of the embodiment, the employer / worker identification information holding step (S2301), the credit card identification information holding step (S2302), the money system identification information holding step (S2303), and the prepayment Possible amount acquisition step (S2304), wage prepayment request acquisition step (S2305), user credit card payment processing request step (S2306), payment processing availability information acquisition step (S2307), payment processing refusal information transmission step (S2307) It has S2308) and a prepaid processing information output step (S2309).

Here, in the employer-worker identification information retention step (S2301), the worker identification information that identifies the worker who is the person who receives the compensation by the labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S2302) can be used by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S2303) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S2304) is associated with the worker identification information. The process of acquiring the prepayable amount, which is the prepayable amount, is performed, and the wage prepayment request acquisition step (S2305) is the prepayment of the wage in which the worker identification information is associated with the desired amount within the prepayable amount from the worker. The process of acquiring the wage prepayment request including the request is performed, and the user credit card payment processing request step (S2306) is performed on the desired amount of the prepayment request within the acquired prepayable amount (when a fee is added to the desired amount). The same name is used in this case as well.) And the credit card identification information associated with the user identification information that identifies the employer who uses the worker. The process of outputting the user credit card payment processing request for performing the payment processing is performed, and the payment processing availability information acquisition step (S2307) is information indicating whether or not the payment processing is possible for the output user credit card payment processing request. In the payment processing refusal information transmission step (S2308), when a process of acquiring a certain payment processing possibility information is performed and the acquired payment processing possibility information is payment processing impossible information which is information that payment processing is impossible (in FIG. 23). Then, the payment processing refusal information, which is the information that payment processing cannot be performed, is identified by the employer identification information associated with the worker identification information that requested the wage prepayment. In the prepaid processing information output step (S2309), when the processing to be transmitted to the terminal used by the user is performed and the acquired payment processing availability information is payment processing enablement information which is information that payment processing is possible. To that rent The desired amount (commissions may be deducted, and the same name shall be used in that case) to the money system identified by the money system identification information associated with the worker identification information of the worker who requested the advance payment. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of Embodiment 8 Hardware>
FIG. 24 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the eighth embodiment and peripheral devices thereof. "CPU" (2401), "nonvolatile memory" (2402), "main memory" (2403), "bus line" (2400), "internal interface" (2449), and "various types" connected to the internal interface (2449) It is composed of a communication (2445), an interface (2446), a memory (2447), a disk (2448), and the like, which are connected to the "device" (2450), the "external interface" (2444), and the external interface (2444).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (2404), a credit card identification information holding program (2405), a money system identification information holding program (2406), and a prepaid amount acquisition program (2407). ), Wage prepayment request acquisition program (2408), user credit card payment processing request program (2409), payment processing availability information acquisition program (2410), payment processing refusal information transmission program (2411), and prepayment processing. It has an information output program (2412), and as data, user identification information (2413), worker identification information (2414), credit card identification information (2415), money system identification information (2416), prepaid amount (prepaid amount) 2417), desired amount within the prepayable amount (2418), wage prepayment request (2419), user credit card payment processing request (2420), payment processing availability information (2421), payment processing refusal information (2422), prepayment The processing information (2423) is retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 9>: Claims 17, 41, 65 (No judgment / Yes: Output the prepaid processing result to the labor status management server)
The ninth embodiment is based on the wage prepayment system of any one of the second to fourth embodiments and the sixth to eighth embodiments, further has a prepayment processing result information output unit in the wage prepayment server, and prepayment processing in the labor status management server. It is configured to have a result information receiving unit.

<Embodiment 9 Functional Configuration>
FIG. 25 is a functional block diagram of the wage prepaid system of the ninth embodiment based on the sixth embodiment. With respect to the sixth embodiment, the wage prepaid server (2500) further has a prepaid processing result information output unit (2508), and the labor status co-management server (2519) further has a prepaid processing result information receiving unit (2518). Since the configurations other than the prepaid processing result information output unit (2508) and the prepaid processing result information receiving unit (2518) are the same as those in the sixth embodiment, the prepaid processing result information output unit (2508) and the prepaid processing result information receiving unit (2518) ) Only will be described below. The same effect can be obtained based on the second to fourth embodiments and the seventh to eighth embodiments.

<Explanation of the configuration of Embodiment 9>
<Embodiment 9 Prepaid processing result information output unit (2508)>
The "prepaid processing result information output unit" (2508) associates the worker identification information of the worker who executed the prepaid processing with the prepaid amount information indicating the prepaid amount which is the amount of the prepaid processing to the worker. The wage prepayment server (2500) is configured to output the prepayment processing result information, which is information, to the labor status management server (2519). In addition to the above, the prepaid processing result information includes time information indicating the date and time when the prepaid processing was executed, and the administrator of the fee (typically, the wage prepaid server (2500)) generated in the prepaid processing. , Service consideration for operators), information indicating the remaining prepaid amount as a result of prepaid, money system identification information to which money etc. is sent by executing prepaid, if it has been paid or not May include information indicating a payment schedule and the like.

<Embodiment 9 Prepaid processing result information receiving unit (2518)>
The "prepaid processing result information receiving unit" (2518) is configured in the labor status management server (2519) so as to receive the prepaid processing result information transmitted from the wage prepaid server (2500). By obtaining the prepaid processing result information, the labor status management server (2519) grasps that the prepaid processing has been executed for the corresponding worker, and manages and retains it as the labor status information associated with the worker identification information. Next, when calculating the prepaid amount when performing prepaid processing, it is calculated using the prepaid processing result information. It is preferable that the received prepaid processing result information is separately held and accumulated in the labor status management server (2519). Further, the labor situation management server (2519) may be configured to have a configuration for statistically processing or psychologically processing such information. In particular, the latter calculates the psychological status of the worker by comprehensively using the information of the worker's labor status information identified by the worker identification information, the prepaid processing, and the money system used. It can be configured as follows. For example, if the amount of labor is decreasing but the frequency of prepaid payments is increasing, and the money system used is capable of withdrawing cash, there is a domestic problem. It can be expected that the situation is psychologically difficult because sufficient time cannot be devoted to labor and sudden expenses are incurred. In this way, the psychological situation prediction information that holds the psychological situation expected according to the combination of these three pieces of information as the corresponding information is held, and the psychological situation is predicted according to the combination of the three pieces of information. Alternatively, the labor status management server may be configured to have a psychological status notification unit that notifies the user identified by the corresponding user identification information or the user's authorized person.

<Example 9 Processing flow>
FIG. 26 is a flowchart of the operation processing of the wage prepaid system according to the ninth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S2601), a credit card identification information holding step (S2602), and a money system identification information holding step (S2602). S2603), the prepaid amount acquisition step (S2604), the prepaid amount request substep (S2605), the prepaid amount receiving substep (S2606), and the wage prepaid request acquisition step (S2607). It has a user credit card payment processing request step (S2608), a payment processing availability information acquisition step (S2609), a prepaid processing information output step (S2610), and a prepaid processing result information output step (S2611). In the labor status management server, the labor status information management step (RS2601), the labor status information holding step (RS2602), the request receiving step (RS2603), the prepaid amount calculation step (RS2604), and the prepaid amount record holding step (RS2605), a response transmission step (RS2606), and a prepaid processing result information reception step (RS2607).

In the wage prepayment server, the employer worker identification information retention step (S2601) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S2602) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S2603) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepayable amount acquisition step (S2604) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S2605) in the prepayable amount acquisition step (S2604) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S2606) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S2607) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S2607). S2608) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S2609) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S2610) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing, and the prepaid processing result information output step (S2611) is the worker identification information of the worker who executed the prepaid processing. , The prepaid amount information indicating the prepaid amount, which is the prepaid amount processed to the worker, and the prepaid processing result information, which is the information associated with the information, are output to the labor status management server. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S2610) and the prepaid processing result information output step (S2611) are skipped.

In the labor status management server, the labor status information management step (RS2601) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS2602) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. In the request receiving step (RS2603), the prepayment possible amount associated with the worker identification information, which is issued from the wage prepayment server in the prepayable amount request substep (S2606), is associated with the worker identification information. The process of receiving the prepaid amount acquisition request, which is a request for acquiring the amount, is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are performed until after the prepaid processing result information receiving step (RS2607). If the process of skipping is performed and the prepaid amount request is received, the prepaid amount calculation step (RS2604) performs a process of calculating the prepaid amount based on the working status information associated with the worker identification information. The prepayable amount record holding step (RS2605) performs a process of associating the calculated prepayable amount with the worker identification information and holding a record, and the response transmission step (RS2606) responds to the reception of the request from the wage prepayment server. The process of transmitting the prepayable amount associated with the received worker identification information to the wage prepayment server is performed, and the prepayment processing result information receiving step (RS2607) is a prepayment processing result information output step (RS2607) of the wage prepayment server. The process of receiving the prepaid process result information issued in S2611) is performed. The prepaid amount transmitted in the response transmission step (RS2606) on the labor status management server is received in the prepaid amount receiving substep (S2606) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 9th hardware>
FIG. 27 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the ninth embodiment and the labor situation management server. The wage prepayment servers are "CPU" (2701), "bus line" (2700), "nonvolatile memory" (2702), "main memory" (2703), "internal interface" (2753), and internal interface (2753). (2754), "external interface" (2748), and "communication" (2749), "interface" (2750), "memory" (2751), "disk" connected to the external interface (2748). "(2752) and the like. Labor status management servers include "CPU" (2755), "bus line" (2756), "nonvolatile memory" (2757), "main memory" (2776), "internal interface" (2769), and internal interface (2769). "Various devices" (2770) connected to 2769), "external interface" (2771), and "communication" (2772), "interface" (2773), "memory" (2774) connected to the external interface (2771), " It is composed of a "disk" (2775) and the like. The wage prepaid server and the labor status management server are connected by a line (2777) connecting communication (2749) and communication (2772). FIG. 27 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (2777) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (2704), a credit card identification information holding program (2705), a money system identification information holding program (2706), and a prepayable amount Acquisition program (2707), prepayable amount request transmission subprogram (2708), prepayable amount reception subprogram (2709), wage prepayment request acquisition program (2710), and user credit card payment processing request program (2711). ), A payment processing availability information acquisition program (2712), a prepaid processing information output program (2713), and a prepaid processing result information output program (2714). Worker identification information (2716), credit card identification information (2717), money system identification information (2718), prepayable amount (2719), desired amount within prepayable amount (2720), wage prepayment request (2721), The user credit card payment processing request (2722), payment processing availability information (2723), prepayment processing information (2724), and prepayment processing result information (2725) are retained. In the non-volatile memory of the labor status management server, the labor status information management program (2758), the labor status information retention program (2759), the request reception program (2760), the prepaid amount calculation program (2761), and the prepaid amount record holding It has a program (2762), a response transmission program (2763), and a prepaid result information receiving program (2764), and has worker identification information (2765), labor status information (2766), and prepaid amount (2767) as data. ), Prepaid processing result information (2768) is retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 10> Claims 18, 42, 66 (No judgment / Yes: The labor status management server makes the employer or the like view the wage information)
The tenth embodiment is based on the wage prepaid system of any one of the second to fourth embodiments and the sixth to ninth embodiments, and further, a wage information acquisition unit, a wage information holding unit, and a wage information output unit are added to the labor status management server. And are configured to have. With this function, the calculation of wages (including salary, etc.) can be released from the burden on the user. It is possible to outsource the calculation of so-called salaries.

<Embodiment 10 Functional Configuration>
FIG. 28 is a functional block diagram of the wage prepaid system of the tenth embodiment based on the sixth embodiment. With respect to the sixth embodiment, the labor status management server (2820) further includes a wage information acquisition unit (2817), a wage information holding unit (2818), and a wage information output unit (2819). Since the configurations other than the wage information acquisition unit (2817), the wage information retention unit (2818), and the wage information output unit (2819) are the same as those in the sixth embodiment, the wage information acquisition unit (2817) and the wage information retention Only the unit (2818) and the wage information output unit (2819) will be described below. The same effect can be obtained based on the second to fourth embodiments and the seventh to ninth embodiments.

<Explanation of Embodiment 10 Configuration>
<Embodiment 10 Wage Information Acquisition Department (2817)>
The "wage information acquisition department" (2817) acquires wage information including the wage amount of the worker based on the labor status information held in association with the worker identification information, so that the labor status management server (2820) can acquire the wage information. ). Here, "acquisition" is intended to include internal generation and external acquisition, and is the same throughout the specification. In the case of external acquisition, there are cases where wages are acquired from a company that undertakes wages and is calculated on behalf of the user, and cases where wages are acquired from a wage calculation device provided inside the company that is the user. In the case of internal generation, the calculation is performed using the labor status information, which is information indicating the labor status of the employer. Since the calculation rule is different for each user, the calculation is performed using the wage calculation rule of the wage calculation rule holding unit that holds the wage calculation rule associated with the user identification information. The wage calculation rule does not have to be one for one user, and a plurality of wage calculation rules may be prepared for one user. For example, it may be prepared according to the worker identification information, or according to the worker's position identification information included in the worker identification information.

<Embodiment 10 Wage Information Holding Department (2818)>
The "wage information holding unit" (2818) is configured as a labor status management server (2820) so as to hold the acquired wage information. The retention period of wage information may be set for each user in association with the user identification information. It is preferable to hold it for about 5 years, including the statute of limitations of wage claims under the revised Civil Code of 2020. The wage information held can also be configured to be edited. It can also be configured to have a wage information editorial department.

<Embodiment 10 Wage information output unit (2819)>
The "wage information output unit" (2819) is configured as a labor status management server (2820) so as to output the held wage information. The output destination of the wage information output unit (2819) outputs the wage information associated with all the worker identification information associated with the user identification information to the terminal operated by the authorized person in the employer. Configure to output. Further, it is preferable that each wage information associated with each worker identification information is output so as to be viewable by each worker identified by the worker identification information. It is preferable to configure the worker so that the wage information of the worker can be viewed by inputting the worker identification information and the password from the terminal used by the worker.

<Example 10 Processing flow>
FIG. 29 is a flowchart of the operation processing of the wage prepaid system according to the tenth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer / worker identification information holding step (S2901), a credit card identification information holding step (S2902), and a money system identification information holding step (S2902). S2903), the prepaid amount acquisition step (S2904), the prepaid amount request substep (S2905), the prepaid amount receiving substep (S2906), and the wage prepaid request acquisition step (S2907). It also has a user credit card payment processing request step (S2908), a payment processing availability information acquisition step (S2909), and a prepaid processing information output step (S2910). In the labor status management server, the labor status information management step (RS2901), the labor status information holding step (RS2902), the request receiving step (RS2903), the prepayable amount calculation step (RS2904), and the prepayable amount record holding step. (RS2905), a response transmission step (RS2906), a wage information acquisition step (RS2907), a wage information holding step (RS2908), and a wage information output step (RS2909).

In the wage prepayment server, the employer worker identification information retention step (S2901) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S2902) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S2903) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S2904) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S2905) in the prepayable amount acquisition step (S2904) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S2906) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S2907) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S2907). S2908) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S2909) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S2910) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S2910) is skipped.

In the labor status management server, the labor status information management step (RS2901) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS2902) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. In the request receiving step (RS2903), the prepayment possible amount associated with the worker identification information, which is issued from the wage prepayment server in the prepayable amount request substep (S2905), is associated with the worker identification information. The process of receiving the prepaid amount acquisition request, which is a request for acquiring the amount, is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are skipped until after the wage information output step (RS2909). If the process is performed and the prepayable amount request is received, the prepayable amount calculation step (RS2904) performs a process of calculating the prepayable amount based on the working status information associated with the worker identification information, and the prepayable amount can be paid. The amount record holding step (RS2905) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS2906) receives the request from the wage prepayment server. The process of transmitting the prepaid amount associated with the worker identification information to the wage prepayment server is performed, and the wage information acquisition step (RS2907) is performed in the labor status information held in association with the worker identification information. Based on this, the process of acquiring the wage information including the wage amount of the worker is performed, the wage information holding step (RS2908) is performed to hold the acquired wage information, and the wage information output step (RS2909) is held. Performs processing to output the wage information that has been set. The prepaid amount transmitted in the response transmission step (RS2906) on the labor status management server is received in the prepaid amount receiving substep (S2906) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 10th embodiment>
FIG. 30 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the tenth embodiment and the labor situation management server. The wage prepayment servers are "CPU" (3001), "bus line" (3000), "nonvolatile memory" (3002), "main memory" (3003), "internal interface" (3044), and internal interface (3044). (3045), "external interface" (3046), and "communication" (3050), "interface" (3049), "memory" (3048), "disk" connected to the external interface (3046). "(3047) and the like. Labor status management servers include "CPU" (3051), "bus line" (3052), "nonvolatile memory" (3053), "main memory" (3074), "internal interface" (3067), and internal interface (3067). "Various devices" (3068), "external interface" (3069) connected to 3067), and "communication" (3070), "interface" (3071), "memory" (3072), "memory" connected to the external interface (3069). It is composed of a "disk" (3073) and the like. The wage prepaid server and the labor status management server are connected by a line (3075) connecting communication (3050) and communication (3070). FIG. 30 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (3075) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (3004), a credit card identification information holding program (3005), a money system identification information holding program (3006), and a prepayable amount Acquisition program (3007), prepayable amount request transmission subprogram (3008), prepayable amount reception subprogram (3009), wage prepayment request acquisition program (3010), and user credit card payment processing request program (3011). ), A payment processing availability information acquisition program (3012), and a prepaid processing information output program (3013), and the data includes user identification information (3014), worker identification information (3015), and credit card identification. Information (3016), money system identification information (3017), prepayable amount (3018), desired amount within prepayable amount (3019), wage prepayment request (3020), user credit card payment processing request (3021), Payment processing availability information (3022) and prepaid processing information (3023) are retained. The non-volatile memory of the labor status management server holds a labor status information management program (3054), a labor status information retention program (3055), a request reception program (3056), a prepaid amount calculation program (3057), and a prepaid amount record retention. It has a program (3058), a response transmission program (3059), a wage information acquisition program (3060), a wage information retention program (3061), and a wage information output program (3062), and identifies workers as data. Information (3063), labor status information (3064), prepaid amount (3065), and wage information (3066) are retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 11> Claims 19, 43, 67 (No judgment / Yes: Labor status management server acquires and manages wage claim information)
The eleventh embodiment is based on the wage prepayment system of any one of the second to fourth embodiments and the sixth to tenth embodiments, and further, the wage claim information acquisition unit, the wage claim information holding section, and the wage claim are added to the labor status management server. It is configured to have an information output unit. With this function, the employer can know the wage claim status of his / her own worker from the terminal or the like used by the employer, and can be utilized for the labor management of the worker.

<Embodiment 11 Functional Configuration>
FIG. 31 is a functional block diagram of the wage prepayment system of the eleventh embodiment based on the sixth embodiment. With respect to the sixth embodiment, the labor status management server (3120) further includes a wage receivable information acquisition unit (3116), a wage receivable information holding unit (3119), and a wage receivable information output unit (3118). Since the configurations other than the wage receivable information acquisition unit (3116), the wage receivable information holding unit (3119), and the wage receivable information output unit (3118) are the same as those in the sixth embodiment, the wage receivable information acquisition unit (3116) , Only the wage claim information holding section (3119) and the wage claim information output section (3118) will be described below. The same effect can be obtained based on the wage prepayment system of the second to fourth embodiments and the seventh to tenth embodiments.

<Explanation of Embodiment 11 Configuration>
<Embodiment 11 Wage Receivable Information Acquisition Department (3116)>
The “wage claim information acquisition unit” (3116) is configured as a labor status management server (3120) so as to acquire wage claim information in association with worker identification information based on the held labor status information. Here, the "wage claim" is a claim that the worker has to the employer, regardless of wages, salaries, allowances, bonuses or other names, to the worker as compensation for the work already done. Everything you have to pay.

Those paid in lieu of the prescribed monetary wage (those with a reduction in monetary wage due to the payment) and those whose payment is clearly defined in advance in the labor contract are considered to be "wage". Specifically, "wage" includes leave allowance, commuting allowance, lump-sum strike settlement allowance, and subsidies for taxes and social insurance premiums. In particular, if the employer subsidizes or pays in advance what must be paid, such as taxes, it is considered as "wage". In general, the following items are not included in wages, but in the present invention, they can be treated as wages. Beneficial / voluntary benefits, retirement allowances, wedding gifts, illness condolences, death condolences, disaster condolences, etc. In particular, labor contracts, work regulations, collective agreements, etc. whose payment conditions are clarified in advance are considered to be "wages". It is said that the rental of housing, the provision of meals, or the in-kind benefits such as uniforms, work clothes, and work supplies that are provided do not originally correspond to "wage", but when this is paid by payment of cash, etc. The present invention makes it possible to treat it as "wage". The dismissal notice allowance is not a "wage", but it can be treated as a wage in the present invention if it is decided to pay directly in currency at the same time as the dismissal is declared. In addition, leave compensation may be included in wages in the present invention. Travel expenses, accommodation expenses, life insurance premium subsidy, if the company subsidizes the insurance premium when the worker voluntarily concludes an insurance contract with the life insurance company with himself as the insured, the insurance premium subsidy Etc. may also be treated as "wage" in the present invention. If the employer collects chips and the like received from the customer on behalf of the worker, they may be treated as "wage" in the present invention.

<Embodiment 11 Wage Receivable Information Holding Department (3119)>
The “wage claim information holding unit” (3119) is configured in the labor status management server (3120) so as to hold the acquired wage claim information in association with the worker identification information. The retention of wage receivable information is configured to be retained during the extinction prescription period. For example, it is preferable to set the minimum retention period to 5 years, which is extended by the revision of the Civil Code in 2020. This is because wage payments may be hindered due to epidemics or the occurrence of disasters. It is also conceivable to configure the wage receivable information so that it can be edited. A wage claim information editorial department may be provided. However, it is preferable that the wage claim information before editing is not deleted and the wage claim information holding section is configured to continue holding the information.

<Embodiment 11 Wage Receivable Information Output Unit (3118)>
The “wage claim information output unit” (3118) is configured in the labor status management server (3120) so as to output the held wage claim information in association with the worker identification information. The output destination of the wage claim information output unit (3118) is the wage claim associated with all the worker identification information associated with the user identification information for the terminal operated by the authorized person in the employer. Configure to output information. Further, it is preferable that each wage information associated with each worker identification information is output so as to be viewable by each worker identified by the worker identification information. It is preferable to configure the worker so that the wage claim information of the worker can be viewed by inputting the worker identification information and the password from the terminal used by the worker.

<Example 11 Processing flow>
FIG. 32 is a flowchart of the operation processing of the wage prepaid system according to the tenth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S3201), a credit card identification information holding step (S3202), and a money system identification information holding step (S3202). S3203), the prepaid amount acquisition step (S3204), the prepaid amount request substep (S3205), the prepaid amount receiving substep (S3206), and the wage prepaid request acquisition step (S3207). It also has a user credit card payment processing request step (S3208), a payment processing availability information acquisition step (S3209), and a prepaid processing information output step (S3210). In the labor status management server, the labor status information management step (RS3201), the labor status information holding step (RS3202), the request receiving step (RS3203), the prepayable amount calculation step (RS3204), and the prepayable amount record holding step (RS3205), a response transmission step (RS3206), a wage claim information acquisition step (RS3207), a wage claim information holding step (RS3208), and a wage claim information output step (RS3209).

In the wage prepayment server, the employer-worker identification information retention step (S3201) is performed on the worker identification information that identifies the worker who receives the compensation for the work and the worker that is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S3202) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S3203) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S3204) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S3205) in the prepayable amount acquisition step (S3204) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S3206) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S3207) performs a process of acquiring a wage prepayment request including a wage prepayment request that associates the worker identification information with the desired amount within the prepayable amount from the worker, and performs a process of obtaining a wage prepayment request, and an employer credit card payment processing request step (S3207). S3208) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S3209) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S3210) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S3210) is skipped.

In the labor status management server, the labor status information management step (RS3201) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS3202) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. In the request receiving step (RS3203), the prepayment possible amount associated with the worker identification information, which is issued from the wage prepayment server in the prepayable amount request substep (S3205), is associated with the worker identification information. The process of receiving the prepayable amount acquisition request, which is the request for the acquisition of the amount, is performed, and if the prepayable amount acquisition information request is not received, the subsequent steps are skipped until after the wage claim information output unit (RS3209). If the prepayable amount request is received, the prepayable amount calculation step (RS3204) performs a process of calculating the prepayable amount based on the labor status information associated with the worker identification information, and prepaid. The possible amount record holding step (RS3205) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS3206) responds to the reception of the request from the wage prepayment server. The process of transmitting the prepaid amount associated with the received worker identification information to the wage prepaid server is performed, and the wage claim information acquisition step (RS3207) identifies the worker based on the retained labor status information. The process of acquiring wage claim information in association with the information is performed, and the wage claim information retention (RS3208) performs the process of retaining the acquired wage claim information in association with the worker identification information, and the wage claim information output unit (RS3209). Performs a process of associating the held wage claim information with the worker identification information and outputting it. The prepaid amount transmitted in the response transmission step (RS3206) on the labor status management server is received in the prepaid amount receiving substep (S3206) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 11th embodiment>
FIG. 33 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the eleventh embodiment and the labor situation management server. The wage prepayment servers are "CPU" (3301), "bus line" (3300), "nonvolatile memory" (3302), "main memory" (3303), "internal interface" (3344), and internal interface (3344). (3345), "external interface" (3346), and "communication" (3350), "interface" (3349), "memory" (3348), "disk" connected to the external interface (3346). "(3347) and the like. Labor status management servers include "CPU" (3351), "bus line" (3352), "nonvolatile memory" (3353), "main memory" (3374), "internal interface" (3637), and internal interface (3357). "Various devices" (3368), "external interface" (3369) connected to 3667), and "communication" (3370), "interface" (3371), "memory" (3372), "3372" connected to the external interface (3369). It is composed of a "disk" (3373) and the like. The wage prepaid server and the labor status management server are connected by a line (3375) connecting communication (3350) and communication (3370). FIG. 33 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (3375) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (3304), a credit card identification information holding program (3305), a money system identification information holding program (3306), and a prepayable amount Acquisition program (3307), prepayable amount request transmission subprogram (3308), prepayable amount reception subprogram (3309), wage prepayment request acquisition program (3310), and user credit card payment processing request program (3311). ), A payment processing availability information acquisition program (3312), and a prepaid processing information output program (3313), and the data includes user identification information (3314), worker identification information (3315), and credit card identification. Information (3316), Money System Identification Information (3317), Prepaid Amount (3318), Desired Amount Within Prepaid Amount (3319), Wage Prepaid Request (3320), User Credit Card Payment Processing Request (3321), Payment processing availability information (3322) and prepaid processing information (3323) are held. In the non-volatile memory of the labor status management server, the labor status information management program (3354), the labor status information retention program (3355), the request reception program (3356), the prepaid amount calculation program (3357), and the prepaid amount record holding It has a program (3358), a response transmission program (3359), a wage information acquisition program (3360), a wage information retention program (3361), and a wage information output program (3362), and identifies workers as data. Information (3363), labor status information (3364), prepaid amount (3365), and wage claim information (3366) are retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 12> Claims 20, 44, 68 (No judgment / Yes: Mechanism for calculating prepaid amount of labor status management server)
The 12th embodiment is based on the wage prepayment system of any one of the 2nd to 4th and 6th to 11th embodiments, and further is a rule for calculating the prepaid amount based on the wage claim information on the labor status management server. It is configured to have a prepaid amount calculation rule holding unit that holds one or more prepaid amount calculation rules.
In addition, the prepaid amount calculation unit of the labor status management server is configured to calculate the prepaid amount in association with the worker identification information based on the held prepaid amount calculation rule and wage claim information.

<Embodiment 12 Functional Configuration>
FIG. 34 is a functional block diagram of the wage prepayment system of the twelfth embodiment based on the sixth embodiment. With respect to the sixth embodiment, the labor status management server (3418) further includes a prepaid amount calculation rule holding unit (3417). Since the configurations other than the prepaid amount calculation rule holding unit (3417) and the prepaid amount calculation unit (3414) are the same as those in the sixth embodiment, the prepaid amount calculation rule holding unit (3417) and the prepaid amount calculation unit Only (3414) will be described below. The same effect can be obtained even if the wage prepayment system of the second to fourth embodiments and the seventh to eleventh embodiments is used as a basis.

<Explanation of Embodiment 12 Configuration>
<Embodiment 12 Prepaid Amount Calculation Rule Holding Unit (3417)>
The "prepaidable amount calculation rule holding unit" (3417) holds one or more prepaid amount calculation rules, which are rules for calculating the prepaid amount based on wage receivable information, so that the labor status management server (3418) ). For example, when changing the basic salary or the evaluation premium rate depending on the type of job or position such as inventory management, cash register, shift leader, deputy store manager, etc. Furthermore, even workers in the same position have different lives and characteristics depending on their individuality, so they can be configured to be associated with and retained in the worker identification information. In addition, it is possible to apply a rule for new employees, etc., so that the wage prepayment system cannot be used for workers who have not passed the prescribed period of enrollment. In addition, the wage system is generally different for each user, and how to calculate the prepaid amount from the wage receivable information, that is, the prepaid amount calculation rule also differs for each user depending on the way of thinking and policy, so use it. It can be configured to be associated and retained with the person identification information.

<Embodiment 12 Prepaid Amount Calculation Unit (3414)>
The “prepaid amount calculation unit” (3414) calculates the prepaid amount by associating it with the worker identification information based on the held prepaid amount calculation rule and the wage claim information, so that the labor status management server (3418) calculates the prepaid amount. ).

<Example 12 Processing flow>
FIG. 35 is a flowchart of the operation processing of the wage prepaid system according to the twelfth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S3501), a credit card identification information holding step (S3502), and a money system identification information holding step (S3502). S3503), the prepaid amount acquisition step (S3504), the prepaid amount request substep (S3505), the prepaid amount receiving substep (S3506), and the wage prepaid request acquisition step (S3507). It also has a user credit card payment processing request step (S3508), a payment processing availability information acquisition step (S3509), and a prepaid processing information output step (S3510). In the labor status management server, the labor status information management step (RS3501), the labor status information retention step (RS3502), the prepaid amount calculation rule holding step (RS3503), the request reception step (RS3504), and the prepaid amount calculation It has a step (RS3505), a prepaid amount record holding step (RS3506), and a response transmission step (RS3507).

In the wage prepayment server, the employer-worker identification information retention step (S3501) is performed on the worker identification information that identifies the worker who receives the compensation for the work and the worker that is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S3502) is performed by the user in association with the user identification information. The process of retaining the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information retention step (S3503) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S3504) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S3505) in the prepayable amount acquisition step (S3504) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S3506) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S3507) performs a process of acquiring a wage prepayment request including a wage prepayment request that associates the worker identification information with the desired amount within the prepayable amount from the worker, and performs a process of obtaining a wage prepayment request, and an employer credit card payment processing request step (S3507). S3508) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S3509) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S3510) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S3510) is skipped.

In the labor status management server, the labor status information management step (RS3501) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS3502) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The prepayable amount calculation rule holding step (RS3503) performs a process of holding one or more prepayable amount calculation rules, which is a rule for calculating the prepayable amount based on the wage claim information, and performs a request reception step (RS3504). ) Is a request issued from the wage prepayment server in the prepayable amount request substep (S3505) to acquire the prepayable amount associated with the worker identification information in association with the worker identification information. The process of receiving the prepaid amount acquisition request is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are skipped until after the response transmission step (RS3507), and the prepaid amount can be obtained. If the request is received, the prepayable amount calculation step (RS3505) performs a process of calculating the prepayable amount by associating it with the worker identification information based on the held prepayable amount calculation rule and the wage claim information, and prepayment. The possible amount record holding step (RS3506) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS3507) responds to the reception of the request from the wage prepayment server. The process of transmitting the prepaid amount associated with the received worker identification information to the wage prepaid server is performed. The prepaid amount transmitted in the response transmission step (RS3507) on the labor status management server is received in the prepaid amount receiving substep (S3506) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 12th embodiment>
FIG. 36 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the twelfth embodiment and the labor situation management server. The wage prepayment servers are "CPU" (3601), "bus line" (3600), "nonvolatile memory" (3602), "main memory" (3603), "internal interface" (3644), and internal interface (3644). (3645), "external interface" (3646), and "communication" (3650), "interface" (3649), "memory" (3648), "disk" connected to the external interface (3646). "(3647) and the like. Labor status management servers include "CPU" (3651), "bus line" (3652), "nonvolatile memory" (3653), "main memory" (3762), "internal interface" (3665), and internal interface (3665). "Various devices" (3666), "external interface" (3667) connected to 3665), and "communication" (3668), "interface" (3669), "memory" (3670), "3670" connected to the external interface (3667). It is composed of a "disk" (3761) and the like. The wage prepaid server and the labor status management server are connected by a line (3673) connecting communication (3650) and communication (3668). FIG. 36 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (3763) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (3604), a credit card identification information holding program (3605), a money system identification information holding program (3606), and a prepayable amount Acquisition program (3607), prepayable amount request transmission subprogram (3608), prepayable amount reception subprogram (3609), wage prepayment request acquisition program (3610), and user credit card payment processing request program (3611). ), A payment processing availability information acquisition program (3612), and a prepaid processing information output program (3613), and the data includes user identification information (3614), worker identification information (3615), and credit card identification. Information (3616), Money System Identification Information (3617), Prepaid Amount (3618), Desired Amount Within Prepaid Amount (3619), Wage Prepaid Request (3620), User Credit Card Payment Processing Request (3621), Payment processing availability information (3622) and prepaid processing information (3623) are retained. The non-volatile memory of the labor status management server includes a labor status information management program (3654), a labor status information retention program (3655), a request reception program (3656), a prepaid amount calculation rule retention program (3657), and a prepaid amount. It has a calculation program (3658), a prepaid amount record holding program (3569), and a response transmission program (3660), and as data, worker identification information (3661), labor status information (3662), and prepaid amount calculation. The rule (3663) and the prepaid amount (3664) are retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 13> Claims 21, 45, 69 (No judgment / Yes: Labor status management server: The amount that can be prepaid depends on the history of prepaid results)
The thirteenth embodiment is based on the wage prepayment system of the twelfth embodiment, and further associates the worker identification information with the labor status management server to accumulate and retain the prepaid result history information which is the history of the prepaid processing result information. It also has an information storage and holding unit, and the prepaid amount calculation rule holding unit holds a history-dependent prepaid amount calculation rule, which is a rule for calculating the prepaid amount based on the prepaid result history information and wage claim information. It is configured to have a history-dependent prepaid amount calculation rule holding means.

<Embodiment 13 Functional Configuration>
FIG. 37 is a functional block diagram of the wage prepayment system of the thirteenth embodiment based on the twelfth embodiment. With respect to the twelfth embodiment, the labor status management server (3720) has a history-dependent prepaid amount calculation rule holding unit (3718) in the prepaid result history information storage holding unit (3719) and the prepaid possible amount calculation rule holding unit (3717). ) Further. Since the configurations other than the prepaid result history information storage and holding unit (3719) and the history-dependent prepaid amount calculation rule holding means (3718) are the same as those in the twelfth embodiment, the prepaid result history information storage and holding unit (3719) and the history Only the dependent prepaid amount calculation rule holding means (3718) will be described below.

<Explanation of Embodiment 13 Configuration>
<Embodiment 13 Prepaid result history information storage and holding unit (3719)>
The "prepaid result history information storage and holding unit" (3719) stores and holds the prepaid result history information, which is the history of the prepaid processing result information, in the labor status management server (3720) in association with the worker identification information. It is composed. This is because it is used by the prepaid amount calculation unit (3714).

<Embodiment 13 History-dependent prepaid amount calculation rule holding means (3718)>
"History-dependent prepaid amount calculation rule holding means" (3718) holds a history-dependent prepaid amount calculation rule which is a rule for calculating the prepaid amount based on the prepaid result history information and the wage claim information. , It is configured in the prepaid amount calculation rule holding unit (3717) of the labor situation management server (3720). When calculating the amount that can be prepaid, the amount already paid is subtracted, or the deduction rate is increased for workers who frequently receive prepaid and have little remaining unpaid labor consideration. You can use the rules according to.

<Example 13 Processing flow>
FIG. 38 is a flowchart of the operation processing of the wage prepaid system according to the thirteenth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S3801), a credit card identification information holding step (S3802), and a money system identification information holding step (S3802). S3803), the prepaid amount acquisition step (S3804), the prepaid amount request substep (S3805), the prepaid amount receiving substep (S3806), and the wage prepaid request acquisition step (S3807). It has a user credit card payment processing request step (S3808), a payment processing availability information acquisition step (S3809), and a prepaid processing information output step (S3810). In the labor status management server, the labor status information management step (RS3801), the labor status information retention step (RS3802), the prepaid amount calculation rule holding step (RS3803), and the history-dependent prepaid amount calculation rule holding substep (RS3804) ), Request receiving step (RS3805), prepaid amount calculation step (RS3806), prepaid amount record holding step (RS3807), response transmission step (RS3808), prepaid result history information storage holding step (RS3809), Has.

In the wage prepayment server, the employer worker identification information retention step (S3801) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S3802) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S3803) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepayable amount acquisition step (S3804) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S3805) in the prepayable amount acquisition step (S3804) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S3806) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S3807) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S3807). S3808) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S3809) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S3810) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S3810) is skipped.

In the labor status management server, the labor status information management step (RS3801) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS3802) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The prepayable amount calculation rule holding step (RS3803) performs a process of holding one or more prepayable amount calculation rules, which is a rule for calculating the prepayable amount based on the wage claim information, and history-dependent prepayable amount. The calculation rule holding sub-step (RS3804) performs a process of holding a history-dependent prepayable amount calculation rule, which is a rule for calculating the prepayable amount based on the prepayment result history information and the wage claim information, and is a request receiving step (RS3804). RS3805) is a request issued from the wage prepayment server in the prepayable amount request substep (S3805) to acquire the prepayable amount associated with the worker identification information in association with the worker identification information. A process for receiving a certain prepaid amount acquisition request is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are skipped until after the prepaid result history information storage and retention step (RS3809). If the prepayable amount request is received, the prepayable amount calculation step (RS3806) is based on the held prepayable amount calculation rule (including the history-dependent prepayable amount calculation rule) and the wage claim information. The process of calculating the prepayable amount in association with the identification information is performed, and the prepayable amount record holding step (RS3807) performs the process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step. (RS3808) performs a process of transmitting the prepayable amount associated with the received worker identification information in response to the reception of the request from the wage prepayment server to the wage prepayment server, and is a step of accumulating and holding the prepayment result history information. (RS3809) performs a process of accumulating and holding the prepaid result history information, which is the history of the prepaid process result information, in association with the worker identification information. The prepaid amount transmitted in the response transmission step (RS3808) on the labor status management server is received in the prepaid amount receiving substep (S3806) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 13th embodiment>
FIG. 39 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the thirteenth embodiment and the labor situation management server. The wage prepayment servers are "CPU" (3901), "bus line" (3900), "nonvolatile memory" (3902), "main memory" (3903), "internal interface" (3944), and internal interface (3944). (3945), "external interface" (3946), and "communication" (3950), "interface" (3949), "memory" (3948), "disk" connected to the external interface (3946). "(3947) and the like. Labor status management servers include "CPU" (3951), "bus line" (3952), "nonvolatile memory" (3953), "main memory" (3976), "internal interface" (3969), and internal interface (3969). "Various devices" (3970), "external interface" (3971) connected to 3769), and "communication" (3972), "interface" (3973), "memory" (3974) connected to the external interface (3971), " It is composed of a "disk" (3975) and the like. The wage prepaid server and the labor status management server are connected by a line (3977) connecting communication (3950) and communication (3972). FIG. 39 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (3977) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (3904), a credit card identification information holding program (3905), a money system identification information holding program (3906), and a prepayable amount Acquisition program (3907), prepayable amount request transmission subprogram (3908), prepayable amount reception subprogram (3909), wage prepayment request acquisition program (3910), and user credit card payment processing request program (3911). ), A payment processing availability information acquisition program (3912), and a prepaid processing information output program (3913), and as data, user identification information (3914), worker identification information (3915), credit card identification. Information (3916), Money System Identification Information (3917), Prepaid Amount (3918), Desired Amount Within Prepaid Amount (3919), Wage Prepaid Request (3920), User Credit Card Payment Processing Request (3921), Payment processing availability information (3922) and prepaid processing information (3923) are retained. The non-volatile memory of the labor status management server includes a labor status information management program (3954), a labor status information retention program (3955), a request reception program (3956), a prepaid amount calculation rule retention program (3957), and a history-dependent prepaid program. Possible amount calculation rule holding subprogram (3985), prepayable amount calculation program (3959), prepayable amount record holding program (3960), response transmission program (3961), prepayment result history information storage holding program (3962). As data, worker identification information (3963), labor status information (3964), prepayable amount calculation rule (3965), history-dependent prepayable amount calculation rule (3966), prepayable amount (3967), prepayment result History information (3966) is retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 14> Claims 22, 46, 70 (No judgment / Yes: Prepaid result history report)
The 14th embodiment is based on the wage prepayment system of the 13th embodiment, and further, a prepayment result that periodically creates a report based on the accumulated prepayment result history information in the prepayment result history information storage and holding unit of the labor status management server. History report creation method and
further,
Accumulation of prepaid result history report Prepaid result history report storage means,
Outputting the prepaid result history report The prepaid result history report output means and
Is configured to have. By receiving the report, workers can keep track of how much they have used upfront payments. In addition, the employer can contribute to the maintenance of the employment relationship by grasping the usage condition of the system of the worker to be employed and investigating whether there is a peculiar reason if the specific worker is frequently used. Alternatively, if the system is used infrequently, it will be a starting point for the employer to consider improvement measures so that it can be used easily, which is useful in recruiting workers.

<Embodiment 14 Functional Configuration>
FIG. 40 is a functional block diagram of the wage prepaid system of the 14th embodiment based on the 13th embodiment. With respect to the thirteenth embodiment, the prepaid result history information storage and holding unit (4019) of the labor status management server (4023) has a prepaid result history report creating means (4020), a prepaid result history report accumulating means (4021), and a prepaid result. It further includes a history report output means (4022). Since the configurations other than the prepaid result history report creating means (4020), the prepaid result history report accumulating means (4021), and the prepaid result history report output means (4022) are the same as those in the thirteenth embodiment, the prepaid result history report creating means Only (4020), the prepaid result history report storage means (4021), and the prepaid result history report output means (4022) will be described below.

<Explanation of Embodiment 14 Configuration>
<Embodiment 14 Prepaid Result History Report Creating Means (4020)>
The "prepaid result history report creating means" (4020) periodically creates a report based on the accumulated prepaid result history information, so that the prepaid result history information storage and holding unit (4019) of the labor status management server (4023) ) Is configured. However, if the relationship between the worker and the employer becomes such that the worker does not provide labor to the employer, the prepaid result history report will be displayed after the final wage receivables are paid off. Not created in relation to the user. In addition, this report may be a report mainly composed of numbers, or may be a report mainly composed of numbers and graphs. By displaying the history of prepaid results in a graph, it is possible to grasp the overall tendency of prepaid, which can be useful for improving the way of working and the method of teaching workers. In addition, for workers, the worker's consumption information can be written in the prepaid result history report, and the history of what kind of goods and services the prepaid money was consumed and how By recording whether the money was spent for various purposes (illness, sympathy, ceremonial occasions, life support, condolences, etc.), it can contribute to future life planning.

It is preferable that the prepaid result history report creating means (4020) is configured so that such additional items can be added by input from a terminal used by the worker. This is conveniently configured to be done via a web page. Furthermore, it is conceivable to configure each additional item so that the worker sets a consumption type flag. For example, utility bill payment, clothing purchase, food purchase, housing related expenses, entertainment expenses A (pachinko, slot machines, bicycle races, horse racing, other gambling), entertainment expenses B (food and drink with entertainment, use of customs stores) , Private party expenses), Entertainment expenses C (Travel travel expenses / accommodation expenses, admission fees at theme parks, watching plays, watching movies, purchasing entertainment magazines, watching sports, spending at museums / exhibitions, physical education Facility usage fee), daily dining expenses, entertainment expenses, daily transportation expenses, medical expenses, sympathy flowers and insertion expenses, ceremonial occasion expenses, living support expenses, incense and celebration expenses ... It is more than one.
Further, the labor situation management server (4023) may be configured to give advice for improving the lifestyle to the worker by using the above-mentioned additional items as a flag. This is configured so that pre-prepared advice is selected based on the amount of spending, the type of flag, and the time interval between flags, and the appropriate advice is selected according to the worker's life pattern. It can be configured to be included in the prepaid result history report. Such services can improve the lives of workers and can be used as a kind of welfare program by employers.

<Embodiment 14 Prepaid Result History Report Accumulation Means (4021)>
The “prepaid result history report storage means” (4021) is configured in the prepaid result history information storage / holding unit (4019) of the labor status management server (4023) so as to store the prepaid result history report. As will be described later, even if the relationship between the employer and the worker to provide and enjoy labor is dissolved, there is a risk that a dispute regarding past wage claims will occur in the future, so a certain period of time, for example, 5 years. It is preferable that they are accumulated.

<Embodiment 14 Prepaid result history report output means (4022)>
The “prepaid result history report output means” (4022) is configured in the prepaid result history information storage / holding unit (4019) of the labor status management server (4023) so as to output the prepaid result history report. The output destination of the prepaid result history report output means (4022) is the wage associated with all the worker identification information associated with the user identification information for the terminal operated by the authorized person in the employer. Configure to output information. In addition, the prepaid result history report associated with each worker identification information is preferably configured to be output so that each worker identified by the worker identification information can view it. It is preferable to configure the worker so that the prepaid result history report of the worker can be viewed by inputting the worker identification information and the password from the terminal used by the worker. In addition to browsing, it may be configured to be transmitted to the worker's terminal by e-mail or as data for a dedicated application for smartphones. The "history" may include information on a plurality of past prepaid payments, but even information on a single prepaid payment is referred to as a "history".

Furthermore, when wage receivables remain and the relationship between the worker and the employer is no longer an employment relationship, or when the worker is no longer in a position to provide labor to the employer. It is preferable that the worker's prepaid result report for the employer is not allowed to be viewed by the employer. This is because in this state, the debt remains in one direction, and the worker has no obligation to the employer. When the employment relationship is resolved in this way, the flag that the employment relationship associated with the worker identification information held in the employer worker identification information holding unit (4001) on the wage prepayment server (4000) is resolved. The above processing is performed on the prepaid result history report output means (4022) based on the control information from the wage prepaid server (4000), and the terminal or the like managed by the user is employed in the past. It is preferable to configure the prepaid history report of the related workers so that they cannot be viewed.

<Example 14 Processing flow>
FIG. 41 is a flowchart of the operation processing of the wage prepaid system according to the fourteenth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S4101), a credit card identification information holding step (S4102), and a money system identification information holding step (S4102). S4103), the prepaid amount acquisition step (S4104), the prepaid amount request substep (S4105), the prepaid amount receiving substep (S4106), and the wage prepaid request acquisition step (S4107). It also has a user credit card payment processing request step (S4108), a payment processing availability information acquisition step (S4109), and a prepaid processing information output step (S4110). In the labor status management server, the labor status information management step (RS4101), the labor status information retention step (RS4102), the prepaid amount calculation rule holding step (RS4103), and the history-dependent prepaid amount calculation rule holding substep (RS4104) ), Request receiving step (RS4105), prepaid amount calculation step (RS4106), prepaid amount record holding step (RS4107), response transmission step (RS4108), prepaid result history information storage holding step (RS4109), It has a prepaid result history report creation substep (RS4110), a prepaid result history report storage substep (RS4111), and a prepaid result history report output substep (RS4112).

In the wage prepayment server, the employer-worker identification information retention step (S4101) is performed on the worker identification information that identifies the worker who receives the compensation for the work and the worker that is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S4102) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S4103) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S4104) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S4105) in the prepayable amount acquisition step (S4104) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S4106) performs the process of receiving the prepaid amount in response to the request, and the wage prepaid request acquisition step ( S4107) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S4107). S4108) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S4109) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S4110) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S4110) is skipped.

In the labor status management server, the labor status information management step (RS4101) manages the labor status information, which is information indicating the labor status of the employer's worker identified by the employer identification information, in association with the worker identification information. The process is performed, and the labor status information retention step (RS4102) is a process of retaining the labor status information, which is information indicating the labor status of the employer's worker identified by the employer identification information, in association with the worker identification information. The prepayable amount calculation rule holding step (RS4103) performs a process of holding one or more prepayable amount calculation rules, which is a rule for calculating the prepayable amount based on wage claim information, and history-dependent prepayable amount. The calculation rule holding sub-step (RS4104) performs a process of holding a history-dependent prepayable amount calculation rule, which is a rule for calculating the prepayable amount based on the prepayment result history information and the wage claim information, and performs a request reception step (request receiving step (RS4104). RS4105) is a request issued from the wage prepayment server in the prepayable amount request substep (S4105) to acquire the prepayable amount associated with the worker identification information in association with the worker identification information. A process for receiving a certain prepaid amount acquisition request is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are skipped until after the prepaid result history report output substep (RS4112). If the prepayable amount request is received, the prepayable amount calculation step (RS4106) is based on the held prepayable amount calculation rule (including the history-dependent prepayable amount calculation rule) and the wage claim information. The process of calculating the prepayable amount in association with the identification information is performed, and the prepayable amount record holding step (RS4107) performs the process of relating the calculated prepayable amount in association with the worker identification information and holding the record, and the response transmission step. (RS4108) performs a process of transmitting the prepayable amount associated with the worker identification information received in response to the reception of the request from the wage prepayment server to the wage prepayment server, and is a step of accumulating and holding the prepayment result history information. (RS4109) performs a process of accumulating and holding the prepaid result history information which is a history of the prepaid processing result information in association with the worker identification information, and the prepaid result history report creation substep (RS4110) is the accumulated prepaid. Performs a process to periodically create a report based on the result history information, and prepaid result history report accumulation substep (RS4111). Performs a process of accumulating a prepaid result history report, and a prepaid result history report output substep (RS4112) performs a process of outputting a prepaid result history report. The prepaid amount transmitted in the response transmission step (RS4108) on the labor status management server is received in the prepaid amount receiving substep (S4106) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 14th embodiment>
FIG. 42 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the fourteenth embodiment and the labor situation management server. The wage prepayment server includes "CPU" (4201), "bus line" (4200), "nonvolatile memory" (4202), "main memory" (4203), "internal interface" (4244), and internal interface (4244). (4245), "external interface" (4246), and "communication" (4250), "interface" (4249), "memory" (4248), "disk" connected to the external interface (4246). "(4247) and the like. Labor status management servers include "CPU" (4251), "bus line" (4252), "nonvolatile memory" (4253), "main memory" (4279), "internal interface" (4272), and internal interface (4272). "Various devices" (4273), "external interface" (4274) connected to 4272), and "communication" (4275), "interface" (4276), "memory" (4277), "memory" connected to the external interface (4274). It is composed of a "disk" (4278) and the like. The wage prepaid server and the labor status management server are connected by a line (4280) connecting the communication (4250) and the communication (4275). FIG. 42 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (4280) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (4204), a credit card identification information holding program (4205), a money system identification information holding program (4206), and a prepayable amount Acquisition program (4207), prepayable amount request transmission subprogram (4208), prepayable amount reception subprogram (4209), wage prepayment request acquisition program (4210), and user credit card payment processing request program (4211). ), A payment processing availability information acquisition program (4212), and a prepaid processing information output program (4213), and the data includes user identification information (4214), worker identification information (4215), and credit card identification. Information (4216), Money System Identification Information (4217), Prepaid Amount (4218), Desired Amount Within Prepaid Amount (4219), Wage Prepaid Request (4220), User Credit Card Payment Processing Request (4221), Payment processing availability information (4222) and prepaid processing information (4223) are retained. The non-volatile memory of the labor status management server includes a labor status information management program (4254), a labor status information retention program (4255), a request reception program (4256), a prepaid amount calculation rule retention program (4257), and a history-dependent prepaid program. Possible amount calculation rule holding subprogram (4258), prepayable amount calculation program (4259), prepayable amount record holding program (4260), response transmission program (4261), prepayment result history information storage holding program (4262), prepayment result It has a history report creation subprogram (4263), a prepaid result history report storage subprogram (4264), and a prepaid result history report output subprogram (4265). (4267), prepayable amount calculation rule (4268), history-dependent prepayable amount calculation rule (4269), prepayable amount (4270), prepayment result history information (4271) are held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 15> Claims 23, 47, 71 (No judgment / Yes: Prepaid result history report output device for workers)
The fifteenth embodiment is based on the wage prepaid system of the fourteenth embodiment, and further, the prepaid result history report output means of the labor status management server is
Create a report that periodically outputs based on the prepaid result history information of workers who provide labor to multiple employers, separately for each user, and output it to the corresponding employer. With
Receive the wage and prepayment history information separately from one or more employers identified by the employer identification information associated with the worker identification information, or from all the one or more employers. A worker-oriented prepayment result history report output device that outputs one or both of the total results of wages and prepayment history to the worker identified by the worker identification information.
Configured to have. When working for a plurality of companies, the prepaid history report can be aggregated and obtained for each place of employment, which has the effect of increasing convenience for workers.

<Embodiment 15 Functional Configuration>
FIG. 43 is a functional block diagram of the wage prepaid system of the fifteenth embodiment based on the thirteenth embodiment. With respect to the thirteenth embodiment, the prepaid result history report output means (4322) of the labor status management server (4324) further includes a prepaid result history report output device (4323) for workers. Since the configuration other than the worker-oriented prepaid result history report output device (4323) is the same as that of the thirteenth embodiment, only the worker-oriented prepaid result history report output device (4323) will be described below.

<Explanation of Embodiment 15 Configuration>
<Implementation 15 Prepaid result history report output device for workers (4323)>
The "worker-oriented prepayment result history report output device" (4323) periodically outputs a report based on the prepayment result history information of workers who provide labor to multiple employers, and information on wages and prepayment history. Is created separately for each user and output to the corresponding user, as well as
Receive the wage and prepayment history information separately from one or more employers identified by the employer identification information associated with the worker identification information, or from all the one or more employers. The prepayment result history information storage and holding unit (4324) of the labor status management server (4324) so as to report output one or both of the total result of wage and prepayment history to the worker identified by the worker identification information. It is configured in the prepaid result history report output means (4322) of 4319).

<Example 15 Processing flow>
FIG. 44 is a flowchart of the operation processing of the wage prepaid system according to the fifteenth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S4401), a credit card identification information holding step (S4402), and a money system identification information holding step (S4402). S4403), the prepaid amount acquisition step (S4404), the prepaid amount request substep (S4405), the prepaid amount receiving substep (S4406), and the wage prepaid request acquisition step (S4407). It also has a user credit card payment processing request step (S4408), a payment processing availability information acquisition step (S4409), and a prepaid processing information output step (S4410). In the labor status management server, the labor status information management step (RS4401), the labor status information retention step (RS4402), the prepaid amount calculation rule holding step (RS4403), and the history-dependent prepaid amount calculation rule holding substep (RS4404) ), Request receiving step (RS4404), prepaid amount calculation step (RS4405), prepaid amount record holding step (RS4406), response transmission step (RS4407), prepaid result history information storage holding step (RS4409), It has a prepaid result history report creation sub-step (RS4410), a prepaid result history report storage sub-step (RS4411), a prepaid result history report output sub-step (RS4412), and a prepaid result history report output sub-substep for workers (RS4413).

In the wage prepayment server, the employer worker identification information retention step (S4401) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S4402) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S4403) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S4404) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S4405) in the prepayable amount acquisition step (S4404) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepayable amount, which is the amount, to the labor status management server is performed, and the prepayable amount receiving substep (S4406) performs the process of receiving the prepayable amount as a response to the request, and the wage prepayment request acquisition step ( S4407) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S4407). S4408) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S4409) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S4410) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S4410) is skipped.

In the labor status management server, the labor status information management step (RS4401) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. Processing is performed, and the labor status information retention step (RS4402) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The prepayable amount calculation rule holding step (RS4403) performs a process of holding one or more prepayable amount calculation rules, which is a rule for calculating the prepayable amount based on the wage claim information, and history-dependent prepayable amount. The calculation rule holding sub-step (RS4404) performs a process of holding a history-dependent prepayable amount calculation rule, which is a rule for calculating the prepayable amount based on the prepayment result history information and the wage claim information, and is a request receiving step (RS4404). RS4405) is a request issued from the wage prepayment server in the prepayable amount request substep (S4405) to acquire the prepayable amount associated with the worker identification information in association with the worker identification information. A process for receiving a prepaid amount acquisition request is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are skipped until after the worker's prepaid result history report output sub-substep (RS4413). If processing is performed and the prepayable amount request is received, the prepayable amount calculation step (RS4406) is based on the held prepayable amount calculation rule (including the history-dependent prepayable amount calculation rule) and wage claim information. The process of calculating the prepayable amount in association with the worker identification information is performed, and the prepayable amount record holding step (RS4407) performs the process of recording and holding the calculated prepayable amount in association with the worker identification information. The response transmission step (RS4408) performs a process of transmitting the prepayable amount associated with the worker identification information received in response to the reception of the request from the prepayment server to the prepayment server, and the prepayment result history information. The accumulation and retention step (RS4409) performs a process of accumulating and retaining the prepaid result history information which is the history of the prepaid processing result information in association with the worker identification information, and the prepaid result history report creation substep (RS4410) accumulates. Performs a process to create a report periodically based on the prepaid result history information, and accumulates the prepaid result history report substep (R). S4411) performs a process of accumulating the prepaid result history report, and in the prepaid result history report output sub-step (RS4412), the prepaid result history report output sub-substep (RS4413) for workers provides labor to a plurality of employers. A report that periodically outputs based on the prepaid result history information of the worker is created separately for each user, and the wage and prepaid history information is output to the corresponding employer.
Receive the wage and prepayment history information separately from one or more employers identified by the employer identification information associated with the worker identification information, or from all the one or more employers. Processes to output a report of either or both of the sum of wages and prepayment history to the worker identified by the worker identification information. The prepaid amount transmitted in the response transmission step (RS4408) on the labor status management server is received in the prepaid amount receiving substep (S4406) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 15th embodiment>
FIG. 45 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the fifteenth embodiment and the labor situation management server. The wage prepayment servers are "CPU" (4501), "bus line" (4500), "nonvolatile memory" (4502), "main memory" (4503), "internal interface" (4544), and internal interface (4544). (4545), "external interface" (4546), and "communication" (4550), "interface" (4549), "memory" (4548), "disk" connected to the external interface (4546). "(4547) and the like. Labor status management servers include "CPU" (4551), "bus line" (4552), "nonvolatile memory" (4553), "main memory" (4581), "internal interface" (4574), and internal interface (4574). "Various devices" (4575), "external interface" (4576) connected to 4574), and "communication" (4777), "interface" (4578), "memory" (4579), "memory" connected to the external interface (4576). It is composed of a "disk" (4580) and the like. The wage prepaid server and the labor status management server are connected by a line (4582) connecting the communication (4550) and the communication (4577). FIG. 45 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (4582) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (4504), a credit card identification information holding program (4505), a money system identification information holding program (4506), and a prepayable amount Acquisition program (4507), prepayable amount request transmission subprogram (4508), prepayable amount reception subprogram (4509), wage prepayment request acquisition program (4510), and user credit card payment processing request program (4511). ), A payment processing availability information acquisition program (4512), and a prepaid processing information output program (4513), and the data includes user identification information (4514), worker identification information (4515), and credit card identification. Information (4516), Money System Identification Information (4517), Prepaid Amount (4518), Desired Amount Within Prepaid Amount (4519), Wage Prepaid Request (4520), User Credit Card Payment Processing Request (4521), Payment processing availability information (4522) and prepaid processing information (4523) are retained. The non-volatile memory of the labor status management server includes a labor status information management program (4554), a labor status information retention program (4555), a request reception program (4556), a prepaid amount calculation rule retention program (4557), and a history-dependent prepaid program. Possible amount calculation rule holding subprogram (4558), prepayable amount calculation program (4559), prepayable amount record holding program (4560), response transmission program (4561), prepayment result history information storage holding program (4562), prepayment result It has a history report creation subprogram (4563), a prepaid result history report storage subprogram (4564), a prepaid result history report output subprogram (4565), and a worker prepaid result history report output subprogram (4566). As data, worker identification information (4567), labor status information (4568), prepayable amount calculation rule (4569), history-dependent prepayable amount calculation rule (4570), prepayable amount (4571), prepayment result history information ( 4572), the prepaid result history report (4573) is retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 16> Claims 24, 48, 72 (No judgment / Yes: Prepaid amount calculation rule for each worker)
The 16th embodiment is based on the wage prepayment system according to any one of the 12th to 15th embodiments, and further, the prepaid amount calculation rule holding unit of the labor status management server can prepaid in association with the worker identification information. It is configured to have a means for holding prepaid amount calculation rules for each worker that holds the amount calculation rules. For example, in the twelfth and thirteenth embodiments, a case where a rule generally applied to a worker satisfying a predetermined condition is used is shown, but a specific rule is applied to an individual specified by the worker identification information. Allows you to set. This is the case when wages are raised with the position unchanged for workers who have achieved great results in a short period of time from the start of work.

<Embodiment 16 Functional Configuration>
FIG. 46 is a functional block diagram of the wage prepaid system of the 16th embodiment based on the 12th embodiment. With respect to the twelfth embodiment, the labor situation management server (4619) further has a prepaid amount calculation rule holding means (4618) for each worker in the prepaid amount calculation rule holding unit (4617). Since the configuration other than the worker-specific prepaid amount calculation rule holding means (4618) is the same as that of the twelfth embodiment, only the worker-specific prepaid amount calculation rule holding means (4618) will be described below. The same effect can be obtained even if the wage prepayment system of the 13th to 15th embodiments is used as a basis.

<Explanation of Embodiment 16 Configuration>
<Embodiment 16 Means for Holding Rules for Calculating Prepaid Amount by Worker (4618)>
The “means for holding the prepaid amount calculation rule for each worker” (4618) holds the prepaid amount calculation rule holding unit of the labor status management server (4619) so as to hold the prepaid amount calculation rule in association with the worker identification information. (4617). In addition, even one worker who provides labor to one employer may have anomalous cases such as belonging to multiple departments, and generally even for such a working style. Since the prepaid amount calculation rule does not correspond, in such a special case, a prepaid amount calculation rule is created and held by hand for the worker, and the rule is applied only to the worker. It can also be used in cases.

<Example 16 Processing flow>
FIG. 47 is a flowchart of the operation processing of the wage prepaid system of the 16th embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S4701), a credit card identification information holding step (S4702), and a money system identification information holding step (S4702). S4703), the prepaid amount acquisition step (S4704), the prepaid amount request substep (S4705), the prepaid amount receiving substep (S4706), and the wage prepaid request acquisition step (S4707). It also has a user credit card payment processing request step (S4708), a payment processing availability information acquisition step (S4709), and a prepaid processing information output step (S4710). In the labor status management server, the labor status information management step (RS4701), the labor status information retention step (RS4702), the prepaid amount calculation rule holding step (RS4703), and the prepaid amount calculation rule holding step (RS4703) are included. Worker-specific prepaid amount calculation rule holding sub-step (RS4704), request receiving step (RS4705), prepaid amount calculation step (RS4706), prepaid amount record holding step (RS4707), response transmission step (RS4708) Has.

In the wage prepayment server, the employer worker identification information retention step (S4701) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S4702) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S4703) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding possible money system identification information (including, but not limited to, bank account and electronic money charge ID) is performed, and the prepaid amount acquisition step (S4704) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S4705) in the prepayable amount acquisition step (S4704) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S4706) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S4707) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S4707). S4708) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S4709) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S4710) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S4710) is skipped.

In the labor status management server, the labor status information management step (RS4701) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS4702) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The prepayable amount calculation rule holding step (RS4703) is a process for holding one or more prepayable amount calculation rules, which is a rule for calculating the prepayable amount based on wage claim information, and prepayment for each worker is possible. The amount calculation rule holding sub-step (RS4704) performs a process of holding the prepayable amount calculation rule in association with the worker identification information, and the request receiving step (RS4705) is a prepayable amount request sub-step (S4705) from the wage prepayment server. ) Is associated with the worker identification information, and the process of receiving the prepayable amount acquisition request, which is the request for the acquisition of the prepayable amount associated with the worker identification information, is performed, and if the prepayment is made, the prepayment is performed. If the possible amount acquisition information request is not received, the subsequent steps are skipped until after the response transmission step (RS4708), and if the prepaid amount request is received, the prepaid amount calculation step (RS4706) is performed. , The process of calculating the prepayable amount in association with the worker identification information based on the held prepayable amount calculation rule and the wage claim information is performed, and the prepayable amount record holding step (RS4707) is the calculated prepayable amount. The process of associating the amount with the worker identification information and keeping a record is performed, and the response transmission step (RS4708) sets the prepayable amount associated with the worker identification information received in response to the reception of the request from the wage prepayment server. Performs the process of sending to the wage prepayment server. The prepaid amount transmitted in the response transmission step (RS4708) on the labor status management server is received in the prepaid amount receiving substep (S4706) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 16th embodiment>
FIG. 48 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the twelfth embodiment and the labor situation management server. The wage prepayment servers are "CPU" (4801), "bus line" (4800), "nonvolatile memory" (4802), "main memory" (4803), "internal interface" (4844), and internal interface (4844). (4845), "external interface" (4846), and "communication" (4850), "interface" (4849), "memory" (4848), "disk" connected to the external interface (4846). "(4847) and the like. Labor status management servers include "CPU" (4851), "bus line" (4852), "nonvolatile memory" (4853), "main memory" (4874), "internal interface" (4867), and internal interface (4867). "Various devices" (4868), "external interface" (4869) connected to the external interface (4869), and "communication" (4870), "interface" (4871), "memory" (4872), " It is composed of a "disk" (4873) and the like. The wage prepaid server and the labor status management server are connected by a line (4875) connecting communication (4850) and communication (4870). FIG. 48 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (4875) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (4804), a credit card identification information holding program (4805), a money system identification information holding program (4806), and a prepayable amount Acquisition program (4807), prepayable amount request transmission subprogram (4808), prepayable amount reception subprogram (4809), wage prepayment request acquisition program (4810), and user credit card payment processing request program (4811). ), A payment processing availability information acquisition program (4812), and a prepaid processing information output program (4813), and the data includes user identification information (4814), worker identification information (4815), and credit card identification. Information (4816), Money System Identification Information (4817), Prepaid Amount (4818), Desired Amount Within Prepaid Amount (4819), Wage Prepaid Request (4820), User Credit Card Payment Processing Request (4821), Payment processing availability information (4822) and prepaid processing information (4823) are retained. The non-volatile memory of the labor status management server includes a labor status information management program (4854), a labor status information retention program (4855), a request reception program (4856), a prepaid amount calculation rule retention program (4857), and each worker. It has a prepayable amount calculation rule holding subprogram (4858), a prepayable amount calculation program (4859), a prepayable amount record holding program (4860), and a response transmission program (4861). Information (4862), labor status information (4863), prepaid amount calculation rule (4864), prepaid amount calculation rule for each worker (4865), and prepaid amount (4866) are held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 17> Claims 25, 49, 73 (No judgment / Yes: Change related to prepaid amount calculation rule for each worker)
The 17th embodiment is based on the wage prepayment system of the 16th embodiment, and the labor status management server further adds a prepayable amount calculation rule-related change part for changing the association between the worker identification information and the prepayable amount calculation rule. It is configured to have. The rules for calculating the prepaid amount can be changed for each worker. For example, there is a case where the basic salary is changed between a day shift and a night shift.

<Embodiment 17 Functional Configuration>
FIG. 49 shows the configuration of the wage prepayment system of the 17th embodiment based on the 16th embodiment. In contrast to the 16th embodiment, the labor status management server (4920) further has a change unit (4919) associated with a prepaid amount calculation rule. Since the configuration other than the prepaid amount calculation rule-related change unit (4919) is the same as that of the 16th embodiment, only the prepaid amount calculation rule-related change part (4919) will be described below.

<Explanation of Embodiment 17 Configuration>
<Implementation 17 Change section related to prepaid amount calculation rule (4919)>
The "change unit related to the prepaid amount calculation rule" (4919) is configured in the labor status management server (4920) so as to change the association between the worker identification information and the prepaid amount calculation rule. The change of association can be processed as follows, for example. The worker identification information is associated with the position identification information that identifies the position in the company that is the employer of the worker, and the position identification information and the prepaid amount calculation rule identification information that identifies the prepaid amount calculation rule are further associated. It is configured to include a job title identification information related change unit that changes the association of the job title identification information associated with the worker identification information. Then, when the job title identification information associated with the worker identification information is changed by the job title identification information association change department, the prepaid amount calculation rule identification information associated with the worker identification information is automatically changed. It can be configured to perform processing.

<Example 17 Processing flow>
FIG. 50 is a flowchart of the operation processing of the wage prepaid system according to the seventeenth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S5001), a credit card identification information holding step (S5002), and a money system identification information holding step (S5002). S5003), the prepaid amount acquisition step (S5004), the prepaid amount request substep (S5005), the prepaid amount receiving substep (S5006), and the wage prepaid request acquisition step (S5007). It also has a user credit card payment processing request step (S5008), a payment processing availability information acquisition step (S5009), and a prepaid processing information output step (S5010). In the labor status management server, the labor status information management step (RS5001), the labor status information retention step (RS5002), the prepaid amount calculation rule holding step (RS5003), and the prepaid amount calculation rule holding step (RS5003) are included. Prepaid amount calculation rule holding sub-step (RS5004) for each worker, prepaid amount calculation rule related change step (RS5005), request reception step (RS5006), prepaid amount calculation step (RS5007), and prepaid amount recording It has a holding step (RS5008) and a response transmitting step (RS5009).

In the wage prepayment server, the employer-worker identification information retention step (S5001) is performed on the worker identification information that identifies the worker who receives the compensation for the work and the worker that is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S5002) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S5003) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S5004) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S5005) in the prepayable amount acquisition step (S5004) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S5006) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S5007) performs a process of acquiring a wage prepayment request including a wage prepayment request that associates the worker identification information with the desired amount within the prepayable amount from the worker, and performs a process of obtaining a wage prepayment request, and an employer credit card payment processing request step ( S5008) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S5009) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S5010) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S5010) is skipped.

In the labor status management server, the labor status information management step (RS5001) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The process is performed, and the labor status information retention step (RS5002) is a process of retaining the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The prepayable amount calculation rule holding step (RS5003) is a process for holding one or more prepayable amount calculation rules, which is a rule for calculating the prepayable amount based on wage claim information, and prepayment for each worker is possible. The amount calculation rule holding sub-step (RS5004) performs the process of holding the prepayable amount calculation rule in association with the worker identification information, and the prepayable amount calculation rule-related change step (RS5005) is the worker identification information and prepayment. The process of changing the association with the possible amount calculation rule is performed, and the request receiving step (RS5006) is associated with the worker identification information issued by the wage prepayment server in the prepayable amount request substep (S5005). The process of receiving the prepaid amount acquisition request, which is the request for acquiring the prepaid amount associated with the worker identification information, is performed, and if the prepaid amount acquisition information request is not received, the following steps are performed. If the process of skipping to after the response transmission step (RS5009) is performed and the prepaid amount request is received, the prepaid amount calculation step (RS5007) is based on the held prepaid amount calculation rule and wage claim information. The process of calculating the prepayable amount in association with the worker identification information is performed, and the prepayable amount record holding step (RS5008) performs the process of recording and holding the calculated prepayable amount in association with the worker identification information. The response transmission step (RS5009) performs a process of transmitting the prepayable amount associated with the received worker identification information in response to the reception of the request from the wage prepayment server to the wage prepayment server. The prepaid amount transmitted in the response transmission step (RS5009) on the labor status management server is received in the prepaid amount receiving substep (S5006) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 17th hardware>
FIG. 51 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the seventh embodiment and the labor situation management server. The wage prepayment server includes "CPU" (5101), "bus line" (5100), "nonvolatile memory" (5102), "main memory" (5103), "internal interface" (5144), and internal interface (5144). "Various devices" (5145), "external interface" (5146), and "communication" (5150), "interface" (5149), "memory" (5148), "disk" connected to the external interface (5146). "(5147) and the like. Labor status management servers include "CPU" (5151), "bus line" (5152), "nonvolatile memory" (5153), "main memory" (5175), "internal interface" (5168), and internal interface (5168). "Various devices" (5169), "external interface" (5170) connected to 5168), and "communication" (5171), "interface" (5172), "memory" (5173), " It is composed of a "disk" (5174) and the like. The wage prepaid server and the labor status management server are connected by a line (5176) connecting communication (5150) and communication (5171). FIG. 51 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (5176) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer / worker identification information holding program (5104), a credit card identification information holding program (5105), a money system identification information holding program (5106), and a prepayable amount Acquisition program (5107), prepayable amount request transmission subprogram (5108), prepayable amount reception subprogram (5109), wage prepayment request acquisition program (5110), and user credit card payment processing request program (5111). ), A payment processing availability information acquisition program (5112), and a prepaid processing information output program (5113), and the data includes user identification information (5114), worker identification information (5115), and credit card identification. Information (5116), Money System Identification Information (5117), Prepaid Amount (5118), Desired Amount Within Prepaid Amount (5119), Wage Prepaid Request (5120), User Credit Card Payment Processing Request (5121), Payment processing availability information (5122) and prepaid processing information (5123) are retained. The non-volatile memory of the labor status management server includes a labor status information management program (5154), a labor status information retention program (5155), a request reception program (5156), a prepaid amount calculation rule retention program (5157), and each worker. Prepaid amount calculation rule holding subprogram (5158), prepaid amount calculation rule related change program (5159), prepaid amount calculation program (5160), prepaid amount record holding program (5161), response transmission program (5162) As data, worker identification information (5163), labor status information (5164), prepaid amount calculation rule (5165), prepaid amount calculation rule for each worker (5166), prepaid amount (5167) ) Is held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 18> Claims 26, 50, 74 (No judgment / Yes: Edit rules for calculating prepaid amount)
The 18th embodiment is based on the wage prepayment system of the 16th embodiment or the 17th embodiment, and the labor situation management server is configured to have a prepayable amount calculation rule editing unit for editing the prepayable amount calculation rule. There is. In the 16th embodiment, an example of assigning a prepaid amount calculation rule to each worker is shown, but the content of the rule itself is provided with a function of editing and changing.

<Embodiment 18 Functional Configuration>
FIG. 52 shows the configuration of the wage prepaid system of the 18th embodiment based on the 16th embodiment. With respect to the 16th embodiment, the labor situation management server (5220) further has a prepaid amount calculation rule editing unit (5219). Since the configuration other than the prepaid amount calculation rule editing unit (5219) is the same as that of the 16th embodiment, only the prepaid amount calculation rule editing unit (5219) will be described below. The same effect can be obtained based on the wage prepayment system of the seventeenth embodiment.

<Explanation of Embodiment 18 Configuration>
<Embodiment 18 Prepaid Amount Calculation Rule Editing Department (5219)>
The “prepaid amount calculation rule editing unit” (5219) is configured in the labor status management server (5220) so as to edit the prepaid amount calculation rule. The prepaid amount calculation rule editing unit (5219) is preferably configured to be editable by the user identified by the user identification information associated with the prepaid amount calculation rule identification information. This authority is configured to be confirmed by the user identification information and the password associated therewith. The edit referred to here may include a complete replacement of the prepaid amount calculation rule associated with the same prepaid amount calculation rule identification information. Alternatively, the prepaid amount calculation rule associated with the prepaid amount calculation rule identification information may be deleted and the associated information may be referred to as "Null". Further, the prepaid amount calculation rule editing unit (5219) preferably has a GUI as a man-machine interface, and it is convenient to configure the interface so that it is performed by selecting a predetermined condition from a check box, a pull-down menu, or the like. is there.
Editing the prepaid amount calculation rule corresponds to changing the weighting of the age element, years of service element, job element, function element, ability element, etc., and the process of adding a new calculation element.

<Example 18 Processing flow>
FIG. 53 is a flowchart of the operation processing of the wage prepaid system according to the eighteenth embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S5301), a credit card identification information holding step (S5302), and a money system identification information holding step (S5302). S5303), the prepaid amount acquisition step (S5304), the prepaid amount request substep (S5305), the prepaid amount receiving substep (S5306), and the wage prepaid request acquisition step (S5307). It also has a user credit card payment processing request step (S5308), a payment processing availability information acquisition step (S5309), and a prepaid processing information output step (S5310). In the labor status management server, the labor status information management step (RS5301), the labor status information retention step (RS5302), the prepaid amount calculation rule holding step (RS5303), and the prepaid amount calculation rule holding step (RS5303) are included. Prepaid amount calculation rule holding sub-step (RS5304) for each worker, prepaid amount calculation rule editing step (RS5305), request receiving step (RS5306), prepaid amount calculation step (RS5307), and prepaid amount record holding step (RS5308), with a response transmission step (RS5309).

In the wage prepayment server, the employer-worker identification information retention step (S5301) is performed on the worker identification information that identifies the worker who receives the compensation for the work and the worker that is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S5302) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S5303) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S5304) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S5305) in the prepayable amount acquisition step (S5304) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S5306) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S5307) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S5307). S5308) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S5309) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S5310) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S5310) is skipped.

In the labor status management server, the labor status information management step (RS5301) manages the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The processing is performed, and the labor status information retention step (RS5302) is a process of retaining the labor status information, which is information indicating the working status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The prepayable amount calculation rule holding step (RS5303) is a process for holding one or more prepayable amount calculation rules, which is a rule for calculating the prepayable amount based on wage claim information, and prepayment for each worker is possible. The amount calculation rule holding sub-step (RS5304) performs a process of holding the prepayable amount calculation rule in association with the worker identification information, and the prepayable amount calculation rule editing step (RS5305) edits the prepayable amount calculation rule. The processing is performed, and the request receiving step (RS5306) is associated with the worker identification information issued by the wage prepayment server in the prepayable amount request substep (S5305), and is associated with the worker identification information. The process of receiving the prepaid amount acquisition request, which is the request for acquiring the prepaid amount, is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are skipped until after the response transmission step (RS5309). If the prepaid amount request is received, the prepaid amount calculation step (RS5307) can be prepaid in association with the worker identification information based on the held prepaid amount calculation rule and the wage claim information. The process of calculating the amount is performed, the prepayable amount record holding step (RS5308) performs the process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS5309) is the wage prepayment. The process of transmitting the prepaid amount associated with the received worker identification information in response to the reception of the request from the server to the wage prepaid server is performed. The prepaid amount transmitted in the response transmission step (RS5309) on the labor status management server is received in the prepaid amount receiving substep (S5306) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 18th hardware>
FIG. 54 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the embodiment 18 and the labor situation management server. The wage prepayment servers are "CPU" (5401), "bus line" (5400), "nonvolatile memory" (5402), "main memory" (5403), "internal interface" (5444), and internal interface (5444). (5445), "external interface" (5446), and "communication" (5450), "interface" (5449), "memory" (5448), "disk" connected to the external interface (5446). "(5447) and the like. Labor status management servers include "CPU" (5451), "bus line" (5452), "nonvolatile memory" (5453), "main memory" (5475), "internal interface" (5468), and internal interface (5468). "Various devices" (5469) connected to 5468), "external interface" (5470), and "communication" (5471), "interface" (5472), "memory" (5473) connected to the external interface (5470), " It is composed of a "disk" (5474) and the like. The wage prepaid server and the labor status management server are connected by a line (5476) connecting communication (5450) and communication (5471). FIG. 54 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (5476) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (5404), a credit card identification information holding program (5405), a money system identification information holding program (5406), and a prepayable amount Acquisition program (5407), prepayable amount request transmission subprogram (5408), prepayable amount reception subprogram (5409), wage prepayment request acquisition program (5410), and user credit card payment processing request program (5411). ), A payment processing availability information acquisition program (5412), and a prepaid processing information output program (5413), and the data includes user identification information (5414), worker identification information (5415), and credit card identification. Information (5416), Money System Identification Information (5417), Prepaid Amount (5418), Desired Amount Within Prepaid Amount (5419), Wage Prepaid Request (5420), User Credit Card Payment Processing Request (5421), Payment processing availability information (5422) and prepaid processing information (5423) are retained. The non-volatile memory of the labor status management server includes a labor status information management program (5454), a labor status information retention program (5455), a request reception program (5456), a prepaid amount calculation rule retention program (5457), and each worker. Prepaid amount calculation rule holding subprogram (5458), prepaid amount calculation rule editing program (5459), prepaid amount calculation program (5460), prepaid amount record holding program (5461), response transmission program (5462), As data, worker identification information (5463), labor status information (5464), prepayable amount calculation rule (5465), prepayable amount calculation rule for each worker (5466), prepayable amount (5467) It is being held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 19> Claims 27, 51, 75 (No judgment / Yes: Attendance management server: Assumed user management)
The 19th embodiment is based on the wage prepayment system of the 1st to 18th embodiments, and outputs the attendance information acquisition unit that acquires the attendance information of the worker in association with the worker identification information and the acquired attendance information as labor status information. It is configured to further have an attendance management server having a labor status information output unit. This attendance management server is typically managed by each user. A user's attendance management device, time card device for managing attendance and departure (mostly for indoor work), entry / exit IC card reader (mostly for indoor work), bar for identifying an individual displayed on a name tag or smartphone This includes devices that read codes and QR codes (registered trademark of Denso Wave Co., Ltd.) (often used in outdoor field work, etc.). However, the attendance management server may also be owned by a wage prepaid agency and rent out equipment for grasping attendance and attendance to the user.

<Embodiment 19 Functional Configuration>
FIG. 55A shows a functional block of the wage prepayment system of the 19th embodiment based on the 6th embodiment. With respect to the sixth embodiment, the attendance information acquisition unit (5518), which acquires the attendance information of the worker in association with the worker identification information,
The labor status information output unit (5519), which outputs the acquired attendance information as labor status information,
It is configured to further have an attendance management server (5520) having the above.
FIG. 55B shows a functional block of the wage prepayment system of the 19th embodiment based on the 5th embodiment. With respect to the fifth embodiment, the attendance information acquisition unit (5518) that acquires the attendance information of the worker in association with the worker identification information, and the labor status information output unit (5519) that outputs the acquired attendance information as labor status information. It is configured to further have an attendance management server (5520) having and.
Except for the attendance management server (5520) having the attendance information acquisition unit (5518) and the labor status information output unit (5519), the attendance information acquisition unit (5518) and the following are described in the first to eighteenth embodiments. , The labor status information output unit (5519) and the attendance management server (5520) having the above will be described. The same effect can be obtained by using the wage prepayment system of the first to fourth embodiments and the seventh to the eighth embodiments as the basis.

<Embodiment 19 Others>
The overall picture of the equipment used in the above-mentioned outdoor field work will be briefly described. Such forms are common in short-term employment, with the shortest being day labor. The following system is convenient for such contract type labor. First, when an employment contract is signed, a barcode or QR code (registered trademark of Denso Wave Co., Ltd.) that has unique information for the worker can be displayed on the smartphone display of the worker's smartphone. It is considered to be a state. This code may be fixed information as long as there is an employment relationship, or may include dynamic information sent from the user's server each time. Dynamic information includes date, date and time information, and the like. When the site supervisor reads this code with a terminal, it is proved that the worker is going to the site that day, and the work is recorded as the working hours elapse. In addition, the terminal used by the site supervisor reads the information that identifies the worker, and at the same time, the attendance management server of the employer displays the worker identification information, the date, date and time information, and the site. The site identification information to be identified is attached and transmitted. Since the daily allowance, etc. varies depending on the site, the site identification information is important. Then, this information is accumulated in the attendance management server, and the attendance management server or the labor status management server stores the daily allowance or hourly wage according to the site identification information, and finally the wage. The entire system is constructed so that the claims can be calculated. Regarding the attendance management of workers, conversely, a method of reading a bar code or a two-dimensional code displayed or printed on a terminal or the like owned by a site supervisor with a smartphone or the like owned by the worker may be used. In that case, read the site identification information, date / time information, etc. embedded in the barcode or two-dimensional code, and access the connection destination URL of the attendance management server that was read at the same time, and use the site identification information, date / time information, etc. , It is also possible to add worker identification information and transmit it.

<Explanation of Embodiment 19 Configuration>
<Embodiment 19 Attendance Information Acquisition Department (5518)>
The “Attendance Information Acquisition Department” (5518) is configured to acquire the attendance information of the worker in association with the worker identification information. "Attendance information" is associated with the name (worker identification information), and includes the working days and working days, each sunrise / leaving time, the number of working hours each day, the number of breaks, and the date of overtime work. It consists of information such as the number of hours / hours, the date / time / hours of working on holidays, and the date / time / hours of working late at night. The information source is a time card, etc., but in addition to that, the identification information by the wireless tag provided on the ID card is read by the tag readers located in various places in the factory, and the purpose of action and the off-duty work are read from the reading result. It is also possible to use the information accumulated by calculating whether the behavior is the behavior of the person or the behavior of the work even outside the working hours as the information source. It is also possible to use the camera provided in the computer as an information source by determining whether or not the computer is working according to an input operation to the computer and storing the camera. In particular, these means are effective as an information source for acquiring attendance information in teleworking performed to prevent the spread of infectious diseases.

<Implementation 19 Labor Status Information Output Unit (5519)>
The "labor status information output unit" (5519) is configured to output the acquired attendance information as labor status information. In addition, as labor status information, the above-mentioned information such as input to the computer of the worker can also be used as deliverable information, and for employers who have introduced the performance-based system, not only working hours but also many aspects. It is useful information for calculating wages for workers.

<Embodiment 19 Attendance Management Server (5520)>
The "attendance management server" (5520) has the above-mentioned attendance information acquisition unit (5518) and labor status information output unit (5519), and the attendance information of the worker of the employer identified by the employer identification information. It is configured to be acquired and output as labor status information. The attendance management server (5520) grasps attendance and / or working hours by various means such as printing and reading time cards and IC cards provided or lent to workers, self-reporting or input by the employer. .. The attendance management server (5520) is installed in the company that is the user, but the above-mentioned attendance and departure grasping means is installed on the user side, and the attendance information is transmitted to the computer of the prepaid agent side by communication such as an internet line. It may be in the form of management

The attendance management server (5520) preferably includes an attendance information viewing unit so that the employer can view the attendance information of each worker. If it is physically under the control of the user, it can be viewed with the authority of the user. In addition, attendance information can be viewed not only individually for each worker, but also with various statistical processing functions to objectively view the working conditions of workers on a per-worker basis or on a per-business site basis. It is preferable to configure it so that it can be grasped. For example, statistical data is useful for improving the working environment, which has been attracting attention in recent years. Statistical data not only represents the current statistical value in cross section, but also can output information so that it can be compared with past statistical data and statistical data of other users' companies on the premise of anonymity. It is desirable to configure in. In this case, the statistical data on the attendance information of the company that is another employer uses the labor status management server (5517) that acquires and provides the labor status information of the other employer via the wage prepaid server (5500). It is conceivable to do. In addition, the attendance management server (5520), which is physically managed by each user directly without going through the wage prepayment server (5500), is configured to be able to exchange information with the labor status management server (5517) via the network. It is also possible to build an information system so that labor status information can be exchanged with each other. The labor status information may be converted into attendance information by the attendance management server (5520) managed by each employer and statistically processed so that the attendance information of the company and other companies can be statistically compared. Attendance information may be statistically processed in the status management server (5517) and transmitted to the attendance management server (5520) managed by each user. The elements of statistical processing are age, position, occupation within the company, commuting information between home and work location, years of service, gender, working hours, and hours of working hours (normal working hours, overtime hours, midnight). Time zone), work style (day shift, night shift, shift work, non-shift work), number of employees in the department to which the workplace belongs, composition of the number of people in the department to which the workplace belongs, etc.
Hereinafter, the processing flow and the hardware will be described based on the sixth embodiment, but the same effect can be obtained based on the other embodiments.

<Example 19 Processing flow>
FIG. 56 is a flowchart of the operation processing of the wage prepaid system of the 19th embodiment based on the 6th embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S5601), a credit card identification information holding step (S5602), and a money system identification information holding step (S5602). S5603), the prepaid amount acquisition step (S5604), the prepaid amount request substep (S5605), the prepaid amount receiving substep (S5606), and the wage prepaid request acquisition step (S5607). It has a user credit card payment processing request step (S5608), a payment processing availability information acquisition step (S5609), and a prepaid processing information output step (S5610). In the labor status management server, the labor status information management step (RS5601), the labor status information holding step (RS5602), the request receiving step (RS5603), the prepaid amount calculation step (RS5604), and the prepaid amount record holding step (RS5605), with a response transmission step (RS5606). The attendance management server has an attendance information acquisition step (KS5601) and a labor status information output step (KS5602).

In the wage prepayment server, the employer worker identification information retention step (S5601) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S5602) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S5603) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S5604) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S5605) in the prepayable amount acquisition step (S5604) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S5606) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S5607) performs a process of acquiring a wage prepayment request including a wage prepayment request in which the worker identification information is associated with the desired amount within the prepayable amount from the worker, and the employer credit card payment processing request step (S5607). S5608) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S5609) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S5610) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is processed to output the prepaid processing information which is the information for performing the prepaid processing. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S5610) is skipped.

In the labor status management server, the labor status information management step (RS5601) manages the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The process is performed, and the labor status information retention step (RS5602) is a process of retaining the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The request receiving step (RS5603) is associated with the worker identification information issued by the wage prepayment server in the prepayable amount request substep (S5606), and the prepayment is possible associated with the worker identification information. A process of receiving a prepaid amount acquisition request, which is a request for acquiring an amount, and a process of skipping the subsequent steps until after the response transmission step (RS5606) if the prepaid amount acquisition information request is not received. If the prepayable amount request is received, the prepayable amount calculation step (RS5604) performs a process of calculating the prepayable amount based on the labor status information associated with the worker identification information, and performs the prepayable amount. The record holding step (RS5605) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS5606) receives the request in response to the request from the wage prepayment server. Performs processing to send the prepaid amount associated with the worker identification information to the wage prepaid server. The prepaid amount transmitted in the response transmission step (RS5606) on the labor status management server is received in the prepaid amount receiving substep (S5606) on the wage prepaid server.

In the attendance management server, in the attendance information acquisition step (KS5601), the attendance information of the worker is acquired in association with the worker identification information, and in the labor status information output step (KS5602), the acquired attendance information is used for labor. Performs processing to output as status information. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Description of 19 Hardware>
FIG. 57 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server, which is the computer (computer) of the nineteenth embodiment, the labor status management server, and the attendance management server. The wage prepayment servers are "CPU" (5701), "bus line" (5700), "nonvolatile memory" (5702), "main memory" (5703), "internal interface" (5749), and internal interface (5749). "Various devices" (5750), "external interface" (5744), and "communication" (5746), "interface" (5745), "memory" (5747), "disk" connected to the external interface (5744). "(5748) and the like. Labor status management servers include "CPU" (5751), "bus line" (5752), "nonvolatile memory" (5753), "main memory" (5770), "internal interface" (5763), and internal interface (5763). "Various devices" (5764), "external interface" (5765) connected to 5763), and "communication" (5769), "interface" (5766), "memory" (5767), " It is composed of a "disk" (5768) and the like. Attendance management servers include "CPU" (5772), "bus line" (5773), "nonvolatile memory" (5774), "main memory" (5775), "internal interface" (5781), and internal interface (5781). "Various devices" (5782), "external interface" (5783), and "communication" (5785), "interface" (5784), "memory" (5786), "disk" connected to the external interface (5783). "(5787) and the like.
The wage prepaid server, the labor status management server, and the attendance management server are connected by a line (5771) connecting communication (5746), communication (5769), and communication (5785), respectively. FIG. 57 shows an example in which the wage prepayment server, the labor status management server, and the attendance management server are configured by different computers. In this case, the line (5771) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. At least one or more of the wage prepaid server, the labor status management server, and the attendance management server may be configured in one computer, in which case the hardware configuration also functions as the included server.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (5704), a credit card identification information holding program (5705), a money system identification information holding program (5706), and a prepayable amount Acquisition program (5707), prepayable amount request transmission subprogram (5708), prepayable amount reception subprogram (5709), wage prepayment request acquisition program (5710), and user credit card payment processing request program (5711). ), A payment processing availability information acquisition program (5712), and a prepaid processing information output program (5713), and the data includes user identification information (5714), worker identification information (5715), and credit card identification. Information (5716), Money System Identification Information (5717), Prepaid Amount (5718), Desired Amount Within Prepaid Amount (5719), Wage Prepaid Request (5720), User Credit Card Payment Processing Request (5721), Payment processing availability information (5722) and prepaid processing information (5723) are retained. In the non-volatile memory of the labor status management server, the labor status information management program (5754), the labor status information retention program (5755), the request reception program (5756), the prepaid amount calculation program (5757), and the prepaid amount record holding It has a program (5758) and a response transmission program (5759), and holds worker identification information (5760), labor status information (5761), and prepaid amount (5762) as data. The non-volatile memory of the attendance management server has an attendance information acquisition program (5776) and a labor status output program (5777), and as data, worker identification information (5778), attendance information (5779), and labor status. Information (5780) is retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 20> Claims 28, 52, 76 (No judgment / Yes: Labor status management server: Extended to payroll transfer processing (service for users)))
The 20th embodiment is based on the wage prepayment system of any one of the 10th to 19th embodiments, and further, the labor situation management server
A wage transfer processing unit that performs wage transfer processing, which is a process for wage transfer of a worker identified by the worker identification information associated based on the output wage information,
Wage transfer processing result holding unit that holds the result of wage transfer processing,
The wage transfer processing result output unit that outputs the held wage transfer processing result,
Is configured to have. The wage prepayment system is configured to perform not only the prepayment of wages but also the transfer processing of the wages themselves excluding the prepayment. For small companies, it is possible to reduce labor and equipment load by delegating wage calculation and transfer processing to a prepaid agent.

<Embodiment 20 Functional Configuration>
FIG. 58 is a functional block diagram of the wage prepaid system of the 20th embodiment based on the 10th embodiment. With respect to the tenth embodiment, the labor status management server (5825) has a wage transfer processing unit (5822), a wage transfer processing result holding unit (5823), and a wage transfer processing result output unit (5824). Have more. Since the configurations other than the wage transfer processing unit (5822), the wage transfer processing result holding unit (5823), and the wage transfer processing result output unit (5824) are the same as those in the tenth embodiment, the wage transfer processing unit Only (5822), the wage transfer processing result holding unit (5823), and the wage transfer processing result output unit (5824) will be described below. The same effect can be obtained even if the wage prepayment system of the 11th to 19th embodiments is used as a basis.

<Explanation of Embodiment 20 Configuration>
<Embodiment 20 Wage transfer processing unit (5822)>
The "Wage Transfer Processing Department" (5822) is to perform the wage transfer processing, which is the processing for the worker's wage transfer identified by the worker identification information associated with the output wage information. In addition, it is configured as a labor situation management server (5825). The "wage transfer process" is a process for wage transfer, and may be a process of the wage transfer process itself or a process before the wage transfer. The former is the transfer and transfer of money to a bank account, the transfer of electronic money to an electronic money account, etc., and the latter is the processing for requesting a transfer to a bank and the electronic money used by workers to an electronic money operating company. It is a remittance request to the electronic money account of the system.

<Embodiment 20 Wage transfer processing result holding unit (5823)>
The "wage transfer processing result holding unit" (5823) is configured in the labor status management server (5825) so as to hold the result of the wage transfer processing. This retention is preferably retained for, for example, about 5 years. It is preferable that the wage receivables are retained for a period that matches the statute of limitations. This is because it can be used as proof that the employer has certainly fulfilled the debt of the worker's wage receivables.

<Embodiment 20 Wage transfer processing result output unit (5824)>
The “wage transfer processing result output unit” (5824) is configured in the labor status management server (5825) so as to output the held wage transfer processing result. This output may be an output to a storage for holding data, or may be an output for displaying on a display or the like. The output of the display such as this display is authorized for each employer, and the employer views only the wage transfer processing result of the worker identified by the worker identification information associated with the employer identification information. Configure to be able to. For this browsing, it is configured so that it can be browsed by using the user identification information and the password assigned to the user. In addition, it is preferable that the worker can view the processing for himself / herself by using the worker identification information and the password assigned to the worker only for the wage transfer processing for himself / herself. If the wage transfer process is a request process to a financial institution, etc., it may be performed before the actual payment date, so the pre-registered e-mail address or phone number used by the worker, etc. A push notification unit may be provided to notify the user that the wage transfer process can be viewed. When notifying the telephone, automatic voice is preferable. If the processing in the wage transfer processing department is not processing of money transfer, transfer, etc., for example, actual money transfer, remittance, electronic money charge, etc. have been executed from a bank or electronic money operator. The information is configured to be received by the labor status management server, and the information that the actual remittance, transfer, and electronic money charge has been executed is output to the terminal used by the worker and the terminal used by the user. It may be configured.

<Example 20 Processing flow>
FIG. 59 is a flowchart of the operation processing of the wage prepaid system according to the twenty-form embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer-worker identification information holding step (S5901), a credit card identification information holding step (S5902), and a money system identification information holding step (S5902). S2803), the prepaid amount acquisition step (S5904), the prepaid amount request substep (S5905), the prepaid amount receiving substep (S5906), and the wage prepaid request acquisition step (S5907). It also has a user credit card payment processing request step (S5908), a payment processing availability information acquisition step (S5909), and a prepaid processing information output step (S5910). In the labor status management server, the labor status information management step (RS5901), the labor status information holding step (RS5902), the request receiving step (RS5903), the prepayable amount calculation step (RS5904), and the prepayable amount record holding step. (RS5905), response transmission step (RS5906), wage information acquisition step (RS5907), wage information retention step (RS5908), wage information output step (RS5909), wage transfer processing step (RS5910), and wage transfer processing. It has a result holding step (RS5911) and a wage transfer processing result output step (RS5912).

In the wage prepayment server, the employer worker identification information retention step (S5901) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the credit card identification information holding step (S5902) is performed by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the available credit card, is performed, and the money system identification information holding step (S5903) is used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the possible money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S5904) is associated with the worker identification information. In order to acquire the prepayable amount, which is the prepayable amount, the prepayable amount request substep (S5905) in the prepayable amount acquisition step (S5904) can be prepaid in association with the worker identification information. The process of transmitting the request for the prepaid amount, which is the amount, to the labor status management server is performed, and the prepaid amount receiving substep (S5906) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step ( S5907) performs a process of acquiring a wage prepayment request including a wage prepayment request that associates the worker identification information with the desired amount within the prepayable amount from the worker, and performs a process of obtaining a wage prepayment request, and an employer credit card payment processing request step (S5907). S5908) uses the desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name is used in that case as well) and the worker. The credit card identification information associated with the user identification information that identifies the user, and the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request are output, and the payment processing availability information is performed. The acquisition step (S5909) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S5910) is When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, it is related to the worker identification information of the worker who requested the wage prepayment. The desired amount (commission may be deducted from the money system identified by the attached money system identification information, and the same name shall be used in that case as well. ) Is a process for paying the prepaid process. A process for outputting the prepaid process information, which is information for performing the prepaid process, is performed. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S5910) is skipped.

In the labor status management server, the labor status information management step (RS5901) manages the labor status information, which is the information indicating the labor status of the employer's worker identified by the employer identification information, in association with the worker identification information. Processing is performed, and the labor status information retention step (RS5902) is a process of retaining labor status information, which is information indicating the labor status of the employer's worker identified by the employer identification information, in association with the worker identification information. In the request receiving step (RS5903), the wage prepayment server issues a prepayable amount request substep (S5905) in association with the worker identification information and the prepayment possible associated with the worker identification information. The process of receiving the prepaid amount acquisition request, which is the request for the acquisition of the amount, is performed, and if the prepaid amount acquisition information request is not received, the subsequent steps are performed after the wage transfer processing result output step (RS5912). If the prepayable amount request is received, the prepayable amount calculation step (RS5904) performs a process of calculating the prepayable amount based on the labor status information associated with the worker identification information. , The prepayable amount record holding step (RS5905) performs a process of associating the calculated prepayable amount with the worker identification information and holding a record, and the response transmission step (RS5906) receives a request from the wage prepayment server. The process of transmitting the prepaid amount associated with the received worker identification information to the wage prepaid server is performed, and the wage information acquisition step (RS5907) is the labor held in association with the worker identification information. A process of acquiring wage information including the wage amount of the worker is performed based on the situation information, and a wage information holding step (RS5908) performs a process of holding the acquired wage information, and a wage information output step (RS5909). Performs processing to output the retained wage information, and the wage transfer processing step (RS5910) is a wage transfer of the worker identified by the associated worker identification information based on the output wage information. Wage transfer processing is performed, and the wage transfer processing result holding step (RS5911) is performed to hold the wage transfer processing result, and the wage transfer processing result output step (RS5912) is performed. ) Performs processing to output the held wage transfer processing result. The prepaid amount transmitted in the response transmission step (RS5906) on the labor status management server is received in the prepaid amount receiving substep (S5906) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of 20th embodiment hardware>
FIG. 60 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the twenty embodiment and the labor situation management server. The wage prepayment servers are "CPU" (6001), "bus line" (6000), "nonvolatile memory" (6002), "main memory" (6003), "internal interface" (6044), and internal interface (6044). ), "Various devices" (6045), "external interface" (6046), and "communication" (6050), "interface" (6049), "memory" (6048), "disk" connected to the external interface (6046). "(6047) and the like. Labor status management servers include "CPU" (6051), "bus line" (6052), "nonvolatile memory" (6053), "main memory" (6078), "internal interface" (6071), and internal interface (6071). "Various devices" (6072) connected to 6071), "external interface" (6073), and "communication" (6074), "interface" (6075), "memory" (6076) connected to the external interface (6073), " It is composed of a "disk" (6077) and the like. The wage prepaid server and the labor status management server are connected by a line (6079) connecting communication (6050) and communication (6074). FIG. 60 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (6079) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer-worker identification information holding program (6004), a credit card identification information holding program (6005), a money system identification information holding program (6006), and a prepayable amount Acquisition program (6007), prepayable amount request transmission subprogram (6008), prepayable amount reception subprogram (6009), wage prepayment request acquisition program (6010), and user credit card payment processing request program (6011). ), A payment processing availability information acquisition program (6012), and a prepaid processing information output program (6013), and the data includes user identification information (6014), worker identification information (6015), and credit card identification. Information (6016), Money System Identification Information (6017), Prepaid Amount (6018), Desired Amount Within Prepaid Amount (6019), Wage Prepaid Request (6020), User Credit Card Payment Processing Request (6021), Payment processing availability information (6022) and prepaid processing information (6023) are retained. The non-volatile memory of the labor status management server holds a labor status information management program (6054), a labor status information retention program (6055), a request reception program (6056), a prepaid wage calculation program (6057), and a prepaid wage record retention. Program (6058), response transmission program (6059), wage information acquisition program (6060), wage information retention program (6061), wage information output program (6062), wage transfer processing program (6063), It has a wage transfer processing result retention program (6064) and a wage transfer processing result output program (6065), and has worker identification information (6066), labor status information (6067), and prepaid amount (6068) as data. , Wage information (6069), wage transfer processing result (6070) are retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 21> Claims 29, 53, 77 (No judgment / Yes: Prepaid processing result viewing screen provided)
Embodiment 21 is based on the wage prepayment system of Embodiment 6, and further, the wage prepayment server is
The password information registration department that registers password information in association with user identification information and / and worker identification information,
A password information holding unit that holds the registered password information in association with the user identification information and / and the worker identification information,
A password information reception unit that receives password information in association with user identification information and / and worker identification information from the terminal used by the user, and
The password information judgment unit that judges whether the received password information is genuine based on the retained password information,
A screen that provides a screen for outputting the prepaid processing result information to the terminal used by the user or / and the worker when the judgment result in the password information judgment unit is the judgment result of authenticity. With the provider
Is configured to further have. The password is configured to use a common string.

<Embodiment 21 Functional Configuration>
FIG. 61 is a functional block diagram of the wage prepayment system of the twenty-first embodiment based on the wage prepayment system of the sixth embodiment. In the 21st embodiment, the password information registration unit (6111), the password information holding unit (6112), and the password information receiving unit (6113) are further linked to the wage prepayment server (6100) having the configuration of the wage prepayment system of the sixth embodiment. ), A password information determination unit (6114), and a screen providing unit (6115).

<Explanation of the configuration of the 21st embodiment>
<Embodiment 21 Password Information Registration Unit (6111)>
The "password information registration unit" (6111) is configured in the wage prepayment server (6100) so as to register the password information in association with the user identification information and / and the worker identification information.

<Embodiment 21 Password Information Holding Unit (6112)>
The "password information holding unit" (6112) is configured in the wage prepayment server (6100) so as to hold the registered password information in association with the user identification information and / and the worker identification information.

<Embodiment 21 Password Information Reception Department (6113)>
The "password information reception unit" (6113) is configured as a wage prepayment server (6100) so as to receive password information in association with user identification information and / and worker identification information from a terminal used by the user.

<Embodiment 21 Password Information Judgment Unit (6114)>
The "password information determination unit" (6114) is configured in the wage prepaid server (6100) so as to determine whether the received password information is genuine based on the retained password information.

<Embodiment 21 screen providing unit (6115)>
The "screen providing unit" (6115) pays the advance payment to the terminal used by the employer or / and the worker when the determination result by the password information determination unit (6114) is the determination result of authenticity. A wage prepayment server (6100) is configured to provide a screen for outputting processing result information. The wage prepayment server (6100) has a remittance function, and may have a utility fee payment processing function as well as a prepayment. The wage prepayment service provides a utility fee payment service to workers together with the prepayment. It can also be configured as provided by (6100). If this utility bill payment process is performed in parallel with the wage prepaid process or is performed at a different time, the result of the utility fee payment process is also sent to the worker or employer's terminal. Can be configured to output. When utility bill payment processing is performed in parallel with wage prepaid processing, information on wage prepaid processing and information on utility bill payment processing are output and displayed on the terminal of the worker or employer. It is preferable to configure it so as to. This is because it is possible to easily understand the breakdown of prepaid wages consumed for payment of utility bills.

<Example 21 Processing flow>
FIG. 62 is a flowchart of the operation processing of the wage prepaid system according to the twenty-first embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer / worker identification information holding step (S6201), a password information registration step (S6202), and a password information holding step (S6203). Prepaid wages are possible: password information reception step (S6204), password information determination step (S6205), screen provision step (S6206), credit card identification information retention step (S6207), money system identification information retention step (S6208). Amount acquisition step (S6209), prepayable amount request substep (S6210), prepayable amount receiving substep (S6211), wage prepayment request acquisition step (S6212), and user credit card It has a payment processing request step (S6213), a payment processing availability information acquisition step (S6214), and a prepaid processing information output step (S6215). In the labor status management server, the labor status information management step (RS6201), the labor status information holding step (RS6202), the request receiving step (RS6203), the prepaid amount calculation step (RS6204), and the prepaid amount record holding step It has (RS6205) and a response transmission step (RS6206).

In the wage prepayment server, the employer-worker identification information retention step (S6201) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the password information registration step (S6202) sets the password information as the user identification information and / and the worker. The process of registering in association with the identification information is performed, and the password information retention step (S6203) performs the process of retaining the registered password information in association with the user identification information and / and the worker identification information, and the password information reception step. (S6204) performs a process of accepting password information in association with the user identification information and / and the worker identification information from the terminal used by the employer and / and the worker, and the password information determination step (S6205) accepts the password information. A process of determining whether the password information is genuine is performed based on the retained password information, and if the determination result is not genuine, a process of returning to the previous password information reception step (S6204) is performed. If the determination result is genuine, the screen providing step (S6206) performs a process of providing a screen for outputting the prepaid processing result information to the terminal used by the user or / and the worker. The credit card identification information holding step (S6207) performs a process of holding the credit card identification information which is the credit card identification information available to the user in association with the user identification information, and the money system identification information holding step (S6208). ) Associates the worker identification information with the money system identification information (including, but not limited to, bank account, electronic money charge ID) available to the worker identified by the worker identification information. In order to perform the process of holding and the process of acquiring the prepayable amount which is the prepayable amount in association with the worker identification information in the prepayable amount acquisition step (S6209), the prepayable amount acquisition step (S6209) is performed. The prepayable amount request substep (S6210) performs a process of transmitting a request for the prepayable amount, which is the prepayable amount, to the labor status management server in association with the worker identification information, and receives the prepayable amount substep (S6211). Processes to receive the prepayable amount as a response to the request, and takes the wage prepayment request acquisition step (S6212). ) Gets a wage prepayment request including a wage prepayment request that associates the worker identification information with the desired amount within the prepayable amount from the worker, and performs an employer credit card payment processing request step (S6213). ) Is the desired amount of the prepaid request within the acquired prepaid amount (a fee may be added to the desired amount, and the same name shall be used in that case as well. ) And the credit card identification information associated with the user identification information that identifies the user who uses the worker, and outputs the user credit card payment processing request for processing the user credit card payment including. In the payment processing availability information acquisition step (S6214), the output user credit card payment processing request is processed to acquire payment processing availability information, which is information indicating payment processing availability, and prepaid. The processing information output step (S6215) is associated with the worker identification information of the worker who requested the wage prepayment when the acquired payment processing availability information is the payment processing enablement information which is the information that the payment can be processed. Information for prepaid processing, which is a process for paying a desired amount (a fee may be deducted, and the same name is used in that case) to the money system identified by the money system identification information. Performs processing to output certain prepaid processing information. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S6215) is skipped.

In the labor status management server, the labor status information management step (RS6201) manages the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The process is performed, and the labor status information retention step (RS6202) is a process of retaining the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. In the request receiving step (RS6203), the prepayment possible amount associated with the worker identification information, which is issued from the wage prepayment server in the prepayable amount request substep (S6210), is associated with the worker identification information. A process of receiving a prepaid amount acquisition request, which is a request for acquiring an amount, and a process of skipping the subsequent steps until after the response transmission step (RS6206) if the prepaid amount acquisition information request is not received. If the prepayable amount request is received, the prepayable amount calculation step (RS6204) performs a process of calculating the prepayable amount based on the working situation information associated with the worker identification information, and performs the prepayable amount. The record holding step (RS6205) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS6206) receives the request in response to the request from the wage prepayment server. Performs processing to send the prepaid amount associated with the worker identification information to the wage prepaid server. The prepaid amount transmitted in the response transmission step (RS6206) on the labor status management server is received in the prepaid amount receiving substep (S6211) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 21st embodiment>
FIG. 63 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the sixth embodiment and the labor situation management server. The wage prepayment servers are "CPU" (6301), "bus line" (6300), "nonvolatile memory" (6302), "main memory" (6303), "internal interface" (6355), and internal interface (6355). ), "Various devices" (6356), "external interface" (6357), and "memory" (6358), "disk" (6359), "interface" (6360), "communication" connected to the external interface (6357). "(6361) and the like. Labor status management servers include "CPU" (6362), "bus line" (6363), "nonvolatile memory" (6364), "main memory" (6381), "internal interface" (6374), and internal interface (6374). "Various devices" (6375), "external interface" (6376) connected to 6374), and "communication" (6377), "interface" (6378), "memory" (6379), "memory" connected to the external interface (6376). It is composed of a "disk" (6380) and the like. The wage prepaid server and the labor status management server are connected by a line (6382) connecting communication (6361) and communication (6377). FIG. 63 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (6382) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, the worker / worker identification information holding program (6304), the password information registration program (6305), the password information holding program (6306), and the password information receiving program (6307) , Password information judgment program (6308), screen provision program (6309), credit card identification information retention program (6310), money system identification information retention program (6311), and prepaid amount acquisition program (6312). , Prepaid amount request transmission subprogram (6313), prepaid amount receiving subprogram (6314), wage prepaid request acquisition program (6315), user credit card payment processing request program (6316), and payment processing availability It has an information acquisition program (6317) and a prepaid processing information output program (6318), and has user identification information (6319), worker identification information (6320), password information (6321), and credit card identification as data. Information (6322), Money System Identification Information (6323), Prepaid Amount (6324), Desired Amount Within Prepaid Amount (6325), Wage Prepaid Request (6326), User Credit Card Payment Processing Request (6327), Payment processing availability information (6328) and prepaid processing information (6329) are retained. In the non-volatile memory of the labor status management server, the labor status information management program (6365), the labor status information retention program (6366), the request reception program (6637), the prepayable amount calculation program (6368), and the prepayable amount record holding It has a program (6369) and a response transmission program (6370), and holds worker identification information (6371), labor status information (6372), and prepaid amount (6373) as data. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 22> Claims 30, 54, 78 (No judgment / Yes: Prepaid processing result viewing screen provided: Biometric authentication)
The 22nd embodiment is based on the wage prepayment system of the 21st embodiment, and further, the password information registration unit of the wage prepayment server is
It is configured to have a biological password information registration means for registering any one or more of fingerprint, retina, face, voice, vein pattern, and palm pattern as password information.

<Embodiment 22 Functional Configuration>
FIG. 64 is a functional block diagram of the wage prepayment system of the 22nd embodiment based on the wage prepayment system of the 21st embodiment. The 22nd embodiment further has a biometric password information registration means (6412) in the password information registration unit (6411) with respect to the wage prepaid server (6400) having the configuration of the wage prepaid system of the 21st embodiment.

<Explanation of Embodiment 22 Configuration>
<Embodiment 22 Biometric password information registration means (6412)>
The "biological password information registration means" (6412) is a password information registration unit of the wage prepayment server (6400) so as to register one or more of fingerprint, retina, face, voice, vein pattern, and palm pattern as password information. (6411). As the password, in addition to the general character string, in order to enhance the security, the above-mentioned biometric password unique to the user and / and the individual worker is used or used in combination. These biometric information is transmitted to the wage prepayment server using a sensor such as a mobile terminal used by the user and / and the worker, but at the same time as acquiring the biometric information, the user and / and the labor It can also be configured to analyze a person's physical information and return health care information to the user or / and worker's terminal. That is, it is preferable to have a biometric information analysis unit that analyzes the acquired biometric information. For example, when acquiring fingerprint information, pulse information, blood pressure information, body temperature information, etc. are also acquired at the same time. Such sensors shall be provided on the mobile terminals of users and / and workers. As for the information on the retina, when acquiring the information on the retina, the light of the mobile terminal is used to illuminate the eyes, and the user or / and the worker obtains the contraction rate information indicating the contraction rate of the iris. It is also possible to calculate the degree of stress and return it as stress information to the mobile terminal of the employer or / and the worker. Regarding facial information, health information can be calculated and returned based on the degree of swelling of the face and the degree of sunnyness of the eyes. With respect to the venous crest, the degree of fat attachment can be calculated based on the sharpness of the vein, etc., and the amount of fat can be estimated and returned to the user or / and the worker as health information. The same processing can be performed for the palm print.

<Implementation 22 Processing Flow>
FIG. 65 is a flowchart of the operation processing of the wage prepaid system of the 22nd embodiment. As shown in this figure, in the wage prepayment system of the present embodiment, the wage prepayment server has an employer / worker identification information holding step (S6501), a password information registration step (S6502), and a biometric password information registration substep (S6503). , Password information retention step (S6504), password information reception step (S6505), password information determination step (S6506), screen provision step (S6507), credit card identification information retention step (S6508), and money system identification. Information retention step (S6509), prepaid amount acquisition step (S6510), prepaid amount request substep (S6511), prepaid amount receiving substep (S6512), and wage prepaid request acquisition in the prepaid amount acquisition step. It has a step (S6513), a user credit card payment processing request step (S6514), a payment processing availability information acquisition step (S6515), and a prepaid processing information output step (S6516). In the labor status management server, the labor status information management step (RS6501), the labor status information holding step (RS6502), the request receiving step (RS6503), the prepaid amount calculation step (RS6504), and the prepaid amount record holding step (RS6505), with a response transmission step (RS6506).

In the wage prepayment server, the employer worker identification information retention step (S6501) is performed on the worker identification information that identifies the worker who is the person who receives the compensation for the work and the worker who is identified by the worker identification information. The process of associating and holding the user identification information that identifies the user who pays the wage as compensation is performed, and the password information registration step (S6502) sets the password information as the user identification information and / and the worker. The process of registering in association with the identification information is performed, and in the bio-password information registration sub-step (S6503) in the password information registration step (S6502), any one of fingerprint, retina, face, voice, vein pattern, and palm pattern is used as the password information. The process of registering one or more is performed, and the password information retention step (S6504) performs a process of retaining the registered password information in association with the user identification information and / and the worker identification information, and the password information reception step (S6505). ) Performs the process of accepting the password information in association with the user identification information and / and the worker identification information from the terminal used by the employer and / and the worker, and the password information determination step (S6506) is the received password information. Is performed based on the retained password information to determine whether it is genuine, and if the determination result is not genuine, the process returns to the previous password information reception step (S6204) to determine. When the result is genuine, the screen providing step (S6507) performs a process of providing a screen for outputting the prepaid processing result information to the terminal used by the user or / and the worker, and the credit card. The identification information holding step (S6508) performs a process of holding the credit card identification information which is the credit card identification information available to the user in association with the user identification information, and the money system identification information holding step (S6509) is performed. , The worker identification information and the money system identification information (including, but not limited to, bank account, electronic money charge ID) available to the worker identified by the worker identification information are retained in association with each other. Since the process is performed and the prepayable amount acquisition step (S6510) performs the process of acquiring the prepayable amount which is the prepayable amount in association with the worker identification information, the prepayable amount acquisition step (S6511) can be performed. The amount request substep (S6511) is a prepaid amount that can be prepaid in association with the worker identification information. The process of transmitting the request for the available amount to the labor status management server is performed, the prepaid amount receiving substep (S6512) performs the process of receiving the prepaid amount as a response to the request, and the wage prepaid request acquisition step (S6513) is performed. The process of obtaining a wage prepayment request including a wage prepayment request that associates the worker identification information with the desired amount within the prepayable amount from the worker is performed, and the employer credit card payment processing request step (S6514) is performed. The desired amount of the prepayment request within the acquired prepayable amount (a fee may be added to the desired amount, and the same name shall be used in that case as well. ) And the credit card identification information associated with the user identification information that identifies the user who uses the worker, and outputs the user credit card payment processing request for processing the user credit card payment including. In the payment processing availability information acquisition step (S6515), the output user credit card payment processing request is processed to acquire payment processing availability information, which is information indicating whether payment processing is possible, and prepaid. The processing information output step (S6516) is associated with the worker identification information of the worker who requested the wage prepayment when the acquired payment processing availability information is the payment processing enablement information which is the information that the payment can be processed. Information for prepaid processing, which is a process for paying a desired amount (a fee may be deducted, and the same name is used in that case) to the money system identified by the money system identification information. Performs processing to output certain prepaid processing information. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S6516) is skipped.

In the labor status management server, the labor status information management step (RS6501) manages the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. The process is performed, and the labor status information retention step (RS6502) is a process of retaining the labor status information, which is information indicating the labor status of the worker of the employer identified by the employer identification information, in association with the worker identification information. In the request receiving step (RS6503), the prepayment possible amount associated with the worker identification information, which is issued from the wage prepayment server in the prepayable amount request substep (S6511), is associated with the worker identification information. A process of receiving a prepaid amount acquisition request, which is a request for acquiring an amount, and a process of skipping the subsequent steps until after the response transmission step (RS6506) if the prepaid amount acquisition information request is not received. If the prepayable amount request is received, the prepayable amount calculation step (RS6504) performs a process of calculating the prepayable amount based on the working situation information associated with the worker identification information, and performs the prepayable amount. The record holding step (RS6505) performs a process of associating the calculated prepayable amount with the worker identification information and holding the record, and the response transmission step (RS6506) receives the request in response to the request from the wage prepayment server. Performs processing to send the prepaid amount associated with the worker identification information to the wage prepaid server. The prepaid amount transmitted in the response transmission step (RS6506) on the labor status management server is received in the prepaid amount receiving substep (S6512) on the wage prepaid server. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 22nd embodiment>
FIG. 66 is a diagram for explaining the hardware of the wage prepayment system including the wage prepayment server which is the computer (computer) of the embodiment 22 and the labor situation management server. The wage prepayment servers are "CPU" (6601), "bus line" (6600), "nonvolatile memory" (6602), "main memory" (6603), "internal interface" (6658), and internal interface (6658). ), "Various devices" (6665), "external interface" (6663), and "memory" (6666), "disk" (6661), "interface" (6662), "communication" connected to the external interface (6663). "(6664) and the like. Labor status management servers include "CPU" (6665), "bus line" (6666), "nonvolatile memory" (6666), "main memory" (6667), "internal interface" (6678), and internal interface (6678). "Various devices" (6679) connected to 6678), "external interface" (6680), and "communication" (6681), "interface" (6682), "memory" (6683) connected to the external interface (6680), " It is composed of a "disk" (6684) and the like. The wage prepaid server and the labor status management server are connected by a line (6685) connecting communication (6664) and communication (6681). FIG. 63 shows an example in which the wage prepaid server and the labor status management server are configured by separate computers. In this case, the line (6685) may be a LAN line, an Internet line, a telephone line, or the like, and does not depend on the mode of communication. The wage prepaid server and the labor status management server may be configured in one computer, in which case the hardware configuration combines the functions of both servers.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, in the non-volatile memory of the wage prepayment server, an employer / worker identification information holding program (6604), a password information registration program (6605), a biometric password information registration subprogram (6606), and a password information holding program (6606) 6607), password information reception program (6608), password information judgment program (6609), screen provision program (6610), credit card identification information retention program (6611), money system identification information retention program (6612). , The prepaid amount request acquisition program (6613), the prepaid amount request transmission subprogram (6614), the prepaid amount reception subprogram (6615), the wage prepaid request acquisition program (6616), and the user credit card payment. It has a processing request program (6617), a payment processing availability information acquisition program (6618), and a prepaid processing information output program (6619), and has user identification information (6620) and worker identification information (6621) as data. ), Password information (6622), Credit card identification information (6623), Money system identification information (6624), Prepaid amount (6625), Desired amount within the prepaid amount (6626), Wage prepayment request (6627), The user credit card payment processing request (6628), payment processing availability information (6629), and prepaid processing information (6630) are held. In the non-volatile memory of the labor status management server, the labor status information management program (6669), the labor status information retention program (6670), the request reception program (6671), the prepaid amount calculation program (6672), and the prepaid amount record holding It has a program (6673) and a response transmission program (6674), and holds worker identification information (6675), labor status information (6676), and prepaid amount (6677) as data. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 23> Claims 31, 55, 79 (No judgment / Yes: Acquisition of fee information)
In the 23rd embodiment, the wage prepaid server is based on any one of the 1st to 22nd embodiments.
The fee information acquisition department that acquires fee information, which is information about fees,
It is configured to have. The fee information includes the fee of the wage prepayment agency when the worker receives the prepayment using the wage prepayment system, and the fee when the financial institution such as a bank transfers the fee to the bank account or electronic money designated by the worker. Information is applicable.

<Embodiment 23 Functional Configuration>
FIG. 67 shows a functional block of the wage prepayment system of the 23rd embodiment based on the wage prepayment system of the fifth embodiment. Since the same applies to the fifth embodiment except for the fee information acquisition unit (6709), only the fee information acquisition unit (6709) will be described. Similar effects can be obtained based on any one of embodiments 1 to 4 or embodiments 6 to 22 other than the fifth embodiment.

<Explanation of the configuration of Embodiment 23>
<Embodiment 23 Fee Information Acquisition Department (6709)>
The “commission information acquisition unit” (6709) is configured by a wage prepaid server (6700) so as to acquire fee information which is information on fees. The fee information includes at least the fee amount, and the fee amount referred to here is typically a fee for the management / operator of the wage prepaid server (6700) or a management company that outsources the business to the management / operator. And the transfer fee to financial institutions. Fees can be obtained in units of wage prepaid processing and configured to process requests, or can be configured to be acquired and processed on a worker-by-worker basis or monthly, no matter how many times. it can. In addition, no matter how many workers use it or how many times it is used, the monthly amount can be set for each employer. Alternatively, the fee can be configured to be calculated based on the prepaid amount of wages. For example, it may be configured to acquire fee information including the fee amount by processing such as making a part of the fee proportional to the prepaid amount. In addition, when requesting a fee across national borders, the fee information includes the fee amount calculated based on the exchange rate at that time.

Further, the fee amount may be held in the fee information holding unit as fee information including the fee amount in association with the user identification information. The fee is associated with the user identification information so that the fee can be different depending on the user. For example, the larger the company, the more workers there are and the more often it uses wage prepayment, so it is possible to realize a business model in which the fee per prepayment process is relatively low. is there. It is also conceivable that the fee amount is not set manually by a person according to the size of the scale, but the fee amount is dynamically changed according to the history information of the number of wage prepaid times. This is equipped with a wage prepayment history holding unit for each user that holds a wage prepayment history for each user, and a fee amount change rule that changes the fee amount according to the wage prepayment history for each user is added to the fee amount change rule holding unit. It can be configured so that the fee amount change department periodically changes the fee amount and updates the fee information by using the user's wage prepayment history and the fee amount change rule. The billing destination of the fee is typically a worker, but it can also be configured so that the employer who employs the worker is the billing destination. It is also possible to charge a completely different third party. For example, it is conceivable to charge a welfare company of a subsidiary that exists as a separate corporation from the main body of a large company. As a general rule, the fee billing process may be configured so that the request process is performed in real time in synchronization with the wage prepayment process, but the request process is configured to pass collectively on the worker's payday. It is also possible.

<Process 23 Flow of processing>
FIG. 68 is a flowchart of the operation processing of the wage prepaid system of the 23rd embodiment. As shown in this figure, in the wage prepayment system of the embodiment, the employer / worker identification information holding step (S6801), the credit card identification information holding step (S6802), the money system identification information holding step (S6803), and the prepayment Possible amount acquisition step (S6804), wage prepayment request acquisition step (S6805), fee information acquisition step (S6806), user credit card payment processing request step (S6807), payment processing availability information acquisition step (S6808) And a prepaid processing information output step (S6809).

Here, in the employer-worker identification information retention step (S6801), the worker identification information that identifies the worker who is the person who receives the compensation by the labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S6802) can be used by the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S6803) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S6804) is associated with the worker identification information. The process of acquiring the prepayable amount, which is the prepayable amount, is performed, and the wage prepayment request acquisition step (S6805) is the prepayment of the wage in which the worker identification information is associated with the desired amount within the prepayable amount from the worker. The process of acquiring the wage prepayment request including the request is performed, the fee information acquisition step (S6806) performs the process of acquiring the fee information which is the information related to the fee, and the user credit card payment processing request step (S6807) is the acquisition. Identify the desired amount of the prepayment request within the prepayable amount (a fee may be added to the desired amount, and the same name shall be applied in that case) and the employer who uses the worker. A process of outputting a user credit card payment processing request for processing a user credit card payment including the credit card identification information associated with the user identification information is performed, and a payment processing availability information acquisition step (S6808). In response to the output user credit card payment processing request, processing is performed to acquire payment processing availability information, which is information indicating whether payment processing is possible, and the prepaid processing information output step (S6809) is the acquired payment processing availability information. Desired for a money system identified by the money system identification information associated with the worker identification information of the worker who made the wage prepayment request when the information is payment processing information, which is information that payment processing is possible. Outputs prepaid processing information, which is information for prepaid processing, which is processing for paying an amount (a fee may be deducted, and the same name is used in that case as well). Perform processing. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S6809) is skipped. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 23rd embodiment>
FIG. 69 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the 23rd embodiment and peripheral devices thereof. "CPU" (6901), "nonvolatile memory" (6902), "main memory" (6903), "bus line" (6900), "internal interface" (6949), and "various types" connected to the internal interface (6949) It is composed of a communication (6945), an interface (6946), a memory (6947), a disk (6948), and the like, which are connected to the "device" (6950), the "external interface" (6944), and the external interface (6944).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (6904), a credit card identification information holding program (6905), a money system identification information holding program (6906), and a prepaid wage acquisition program (6907). ), Wage prepayment request acquisition program (6908), fee information acquisition program (6909), user credit card payment processing request program (6910), payment processing availability information acquisition program (6911), and prepayment processing information output. It has a program (6912), and as data, employer identification information (6913), worker identification information (6914), credit card identification information (6915), money system identification information (6916), prepaid amount (6917). , Desired amount within prepayable amount (6918), wage prepayment request (6919), fee information (6920), user credit card payment processing request (6921), payment processing availability information (6922), prepayment processing information (6923) ) Is retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 24> Claims 32, 56, 80 (No judgment / Yes: Request for prepaid amount of fee)
The 24th embodiment is based on the 23rd embodiment.
The user credit card payment processing request unit of the wage prepayment server is configured to have a credit card payment processing request adjusting means for adjusting the credit card payment processing request based on the acquired fee information.

<Embodiment 24 Functional Configuration>
FIG. 70 shows a functional block of the wage prepaid system of the 24th embodiment based on the 23rd embodiment. Since the same as in the 23rd embodiment except for the credit card payment processing request adjusting means (7005) in the user credit card payment processing request unit (7004), only the credit card payment processing request adjusting means (7005) will be described.

<Explanation of the configuration of the 24th embodiment>
<Embodiment 24 Credit Card Payment Processing Request Adjustment Means (7005)>
The "credit card payment processing request adjusting means" (7005) adjusts the credit card payment processing request based on the acquired fee information, so that the user credit card payment processing request unit (7004) of the wage prepayment server (7000) adjusts the credit card payment processing request. It is composed of. The prepaid amount desired by the worker is transferred to the transfer destination designated by the worker, but the fee is added to the desired prepaid amount and the credit card company and / and the credit card settlement agency are requested to process the payment. Therefore, the worker is processed by deducting the fee required for the prepaid processing from the wage paid on the predetermined date.

FIG. 91 shows the prepaid history in this embodiment. In this example, the prepayment is received twice on April 23 and May 8 for 10,000 yen each, but in addition to 10,000 yen, 820 yen is required as a commission. The fee is 220 yen, which is a transfer fee of 10,000 yen to a bank, and 820 yen / time, which is the sum of 600 yen, which is 6% of 10,000 yen. The fee of 820 yen for two times will be paid by deducting 1640 yen as a fee in addition to the prepaid amount of 20000 yen from the predetermined wage when the wage is paid later on the predetermined day (for example, the wage payment date). In each process of this case, the worker inputs 10,000 yen as the desired wage prepayment amount, and the wage prepayment server that obtained the amount is the fee amount included in the fee information specified for this request. A certain 820 yen is acquired by the fee information acquisition department, and the user credit card payment processing request department charges 10820 yen to the card company and the like. That is, the wage prepayment will be made to the workers only after the authority of 10820 yen is passed. That is, the user credit card payment processing request includes the sum of the prepaid wage amount and the fee amount. The requested prepayment amount is within the prepayable amount, but if the sum of the prepayment desired amount and the fee amount exceeds the prepayable amount, the wage prepayment process will not be executed in the end. To do. This configuration is realized by configuring the prepaid amount acquisition unit to acquire the prepaid amount including the fee amount. For example, if 10820 yen exceeds the total pre-claimable amount for the employer in consideration of the amount of labor claims, 9760 yen (9000 yen + 9000 yen x 6% + 220 yen) is practically for the worker. Since it is an amount that can be prepaid, the acquisition of the prepaid amount within the prepaid amount is 9000 yen (when acquiring the prepaid amount in units of 1000 yen). For example, when the wage prepayment request processing is started from the worker's terminal, the wage prepayment server selects 1000 yen, 2000 yen ... 9000 yen as an option for making the wage prepayment request in consideration of the fee amount. The icon is displayed on the mobile terminal used by the worker so that the worker can make a selection. This process is processed by the wage prepayment request acquisition department.
In other words, the prepayable amount acquisition department can charge the employer before the predetermined payment date based on the worker's labor claims, etc. (discounts based on risk factors such as the safety of the worker's life are also available. (Including) It is configured to obtain the prepaid amount, which is the total pre-requestable amount minus the fee amount. Then, the wage payment processing request acquisition unit is configured to acquire the wage prepayment request including the desired amount within the prepayable amount within the prepayable amount.

<Example 24 Processing flow>
FIG. 71 is a flowchart of the operation processing of the wage prepaid system according to the twenty-fourth embodiment. As shown in this figure, in the wage prepayment system of the embodiment, the employer / worker identification information holding step (S7101), the credit card identification information holding step (S7102), the money system identification information holding step (S7103), and the prepayment Possible amount acquisition step (S7104), wage prepayment request acquisition step (S7105), fee information acquisition step (S7106), user credit card payment processing request step (S7107), credit card payment processing request adjustment substep (S7107) It has S7108), a payment processing availability information acquisition step (S7109), and a prepaid processing information output step (S7110).

Here, in the employer-worker identification information retention step (S7101), the worker identification information that identifies the worker who receives the compensation by labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S7102) is available to the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S7103) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepayable amount acquisition step (S7104) is associated with the worker identification information. The process of acquiring the prepayable amount, which is the prepayable amount, is performed, and the wage prepayment request acquisition step (S7105) is a wage prepayment in which the worker identification information is associated with the desired amount within the prepayable amount from the worker. The process of acquiring the wage prepayment request including the request is performed, the fee information acquisition step (S7106) is performed to acquire the fee information which is the information related to the fee, and the user credit card payment processing request step (S7107) is acquired. The desired amount of the prepayment request within the prepayable amount (in this example, a fee is added to the desired amount, but the same name is used) and the employer identification that identifies the employer who uses the worker. A user credit card payment processing request for processing a user credit card payment including the credit card identification information associated with the information was created, and the credit card payment processing request adjustment substep (S7108) was acquired. The process of adjusting the credit card payment processing request based on the fee information is performed, and the user credit card payment processing request step (S7107) performs the process of outputting the adjusted user credit card payment processing request, and whether or not the payment processing is possible. The information acquisition step (S7109) performs a process of acquiring payment processing availability information, which is information indicating whether payment processing is possible, in response to the output user credit card payment processing request, and the prepaid processing information output step (S7110) is , When the acquired payment processing availability information is payment processing availability information, which is information that payment processing is possible, the labor that requested the wage prepayment. A process of outputting prepaid processing information, which is information for performing prepaid processing, which is a process for paying a desired amount to a money system identified by a money system identification information associated with a worker's worker identification information. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S7110) is skipped. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of Embodiment 24 hardware>
FIG. 72 is a diagram for explaining hardware composed of a main board of a wage prepaid system, which is a computer (computer) of the twenty-fourth embodiment, and peripheral devices thereof. "Various types" connected to "CPU" (7201), "nonvolatile memory" (7202), "main memory" (7203), "bus line" (7200), "internal interface" (7251), and internal interface (7251). It is composed of a communication (7247), an interface (7248), a memory (7249), a disk (7250), and the like, which are connected to the "device" (7252), the "external interface" (7246), and the external interface (7246).

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (7204), a credit card identification information holding program (7205), a money system identification information holding program (7206), and a prepaid amount acquisition program (7207). ), Wage prepayment request acquisition program (7208), fee information acquisition program (7209), user credit card payment processing request program (7210), credit card payment processing request adjustment subprogram (7211), and payment processing. It has a availability information acquisition program (7212) and a prepaid processing information output program (7213), and as data, user identification information (7214), worker identification information (7215), credit card identification information (7216), Money system identification information (7217), prepayable amount (7218), desired amount within prepayable amount (7219), wage prepayment request (7220), fee information (7221), user credit card payment processing request (7222) , Payment processing availability information (7223) and prepaid processing information (7224) are retained. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<Outline of Embodiment 25> Claims 33, 57, 81 (No judgment / Yes: Claim including fee within prepaid amount)
The 25th embodiment is based on the 23rd embodiment.
The prepaid processing information output unit of the wage prepaid server is configured to have a prepaid processing information adjusting means for adjusting the prepaid processing information based on the acquired fee information.

<Embodiment 25 Functional Configuration>
FIG. 73 shows the functional blocks of the wage prepayment system of the 25th embodiment based on the 23rd embodiment. Since the same as the embodiment 23 except for the prepaid processing information adjusting means (7306) in the prepaid processing information output unit (7305), only the prepaid processing information adjusting means (7306) will be described.

<Explanation of the configuration of the 25th embodiment>
<Embodiment 25 Prepaid processing information adjusting means (7306)>
The “prepaid processing information adjusting means” (7306) is configured in the prepaid processing information output unit (7305) of the wage prepaid server (7300) so as to adjust the prepaid processing information based on the acquired fee information. When the prepaid amount desired by the worker is transferred to the transfer destination designated by the worker, the fee required for the prepaid amount is deducted from the desired prepaid amount to perform the prepaid process. Therefore, the worker is processed to receive a prepayment of an amount reduced by a fee from the originally desired amount. FIG. 90 shows the prepaid history in this embodiment. I received prepayment of 10,000 yen twice on April 23 and May 8, but 774 yen is included as a commission in the amount of 10,000 yen. In this example, the transfer fee to the bank is 220 yen, and 6% of the prepaid amount actually paid to the worker is the fee. (10000-220) / (1 + 0.06) = 9226 yen, and 9226 yen each minus the 774 yen fee is transferred to the workers so that the total amount including the fee will be 10,000 yen when receiving the advance payment. When the wage is paid later on the predetermined date (for example, the wage payment date), unlike the embodiment 24, the prepaid amount of 20000 yen from the predetermined wage (the breakdown is the amount 18452 yen actually prepaid to the worker). The wage will be paid after deducting the fee (1548 yen).

<Example 25 Processing flow>
FIG. 74 is a flowchart of the operation processing of the wage prepaid system according to the 25th embodiment. As shown in this figure, in the wage prepayment system of the embodiment, the employer / worker identification information holding step (S7401), the credit card identification information holding step (S7402), the money system identification information holding step (S7403), and the prepayment Possible amount acquisition step (S7404), wage prepayment request acquisition step (S7405), fee information acquisition step (S7406), user credit card payment processing request step (S7407), payment processing availability information acquisition step (S7408) It also has a prepaid processing information output step (S7409) and a prepaid processing information adjustment substep (S7410).

Here, in the employer-worker identification information retention step (S7401), the worker identification information that identifies the worker who is the person who receives the compensation by the labor and the worker who is identified by the worker identification information are compensated for the labor. The process of associating and holding the user identification information that identifies the user who pays the wages is performed, and the credit card identification information holding step (S7402) is available to the user in association with the user identification information. The process of holding the credit card identification information, which is the identification information of the credit card, is performed, and the money system identification information holding step (S7403) can be used by the worker identification information and the worker identified by the worker identification information. The process of associating and holding the money system identification information (including, but not limited to, the bank account and the charge ID of electronic money) is performed, and the prepaid amount acquisition step (S7404) is associated with the worker identification information. The process of acquiring the prepayable amount, which is the prepayable amount, is performed, and the wage prepayment request acquisition step (S7405) is the prepayment of the wage in which the worker identification information is associated with the desired amount within the prepayable amount from the worker. The process of acquiring the wage prepayment request including the request is performed, the fee information acquisition step (S7406) is performed to acquire the fee information which is the information related to the fee, and the user credit card payment processing request step (S7407) is acquired. A user credit card payment process that includes the desired amount of the prepayment request within the prepayable amount and the credit card identification information associated with the user identification information that identifies the employer who uses the worker. The process of outputting the user credit card payment processing request for the operation is performed, and the payment processing availability information acquisition step (S7408) is information indicating whether or not the payment processing is possible for the output user credit card payment processing request. A process for acquiring payment processing availability information is performed, and in the prepayment processing information adjustment substep (S7410) in the prepayment processing information output step (S7409), the acquired payment processing availability information is information that payment processing is possible. If the information is available, the desired amount (in this example, the fee is deducted from the desired amount) for the money system identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. However, the same name is used.) The prepaid processing information, which is the information for performing the prepaid processing, which is the processing for paying, is adjusted based on the acquired fee information. The prepaid processing information output step (S7409) performs a process of outputting the prepaid processing information. If the payment processing availability information is payment processing rejection, the prepaid processing information output step (S7409) and the prepaid processing information adjustment substep (S7410) are skipped. This is an operation method in which a wage prepayment system, which is a computer, executes such a series of processes.

The wage prepayment system, which is a computer, is operated by the above operation processing.

<Explanation of the 25th embodiment>
FIG. 75 is a diagram for explaining hardware composed of a main board of a wage prepaid system which is a computer (computer) of the 25th embodiment and peripheral devices thereof. "CPU" (7501), "nonvolatile memory" (7502), "main memory" (7503), "bus line" (7500), "internal interface" (7551), and "various types" connected to the internal interface (7551) It consists of a "device" (7552), an "external interface" (7546), and a communication (7547), an interface (7548), a memory (7549), a disk (7550), etc.

Various programs and data (information) stored in the non-volatile memory are expanded in the main memory when the system is started, and the CPU sequentially performs calculations using the data by accepting execution instructions. Has been done.

That is, the non-volatile memory includes an employer / worker identification information holding program (7504), a credit card identification information holding program (7505), a money system identification information holding program (7506), and a prepaid amount acquisition program (7507). ), Wage prepayment request acquisition program (7508), fee information acquisition program (7509), user credit card payment processing request program (7510), payment processing availability information acquisition program (7511), and prepayment processing information output. It has a program (7512) and a prepaid processing information adjustment sub-step (7513), and has user identification information (7514), worker identification information (7515), credit card identification information (7516), and money system as data. Identification information (7517), prepayable amount (7518), desired amount within prepayable amount (7519), wage prepayment request (7520), fee information (7521), user credit card payment processing request (7522), payment Processing possibility information (7523) and prepaid processing information (7524) are held. When the system is started on the computer, it is expanded in the main memory, and by receiving the start command, the CPU sequentially performs calculations using the program and data.

<5. Effect>
By adopting a wage prepayment system that uses the user's credit card as described above, even if the wage prepayment agency does not take a large risk related to the user's credit, it can be used by small and medium-sized enterprises and micro-enterprise companies. It will be possible to provide a wage prepayment agency service for customers.

Wage prepaid server ・ ・ ・ 0100
Employer-worker identification information holding department ・ ・ ・ 0101
Money system identification information holding unit ・ ・ ・ 0102
Prepaid amount acquisition department ・ ・ ・ 0103
User Credit Card Payment Processing Request Department ・ ・ ・ 0104
Prepaid processing information output unit ・ ・ ・ 0105
Credit card identification information holding unit ・ ・ ・ 0106
Wage prepayment request acquisition department ・ ・ ・ 0107
Prepaid availability judgment unit ・ ・ ・ 0108
Payment processing availability information acquisition department ・ ・ ・ 0109

Claims (84)

Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information holding department, which holds in association with,
A credit card identification information holding unit that holds credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information.
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information holder and
A wage prepayment request acquisition department that obtains a wage prepayment request including a wage prepayment request that associates a worker identification information with a desired amount from a worker.
The prepaid amount acquisition department for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A prepaid admissibility judgment unit that determines whether or not the desired amount of wages included in the wage prepaid request can be prepaid based on the acquired prepaid amount in association with the worker identification information included in the acquired wage prepaid request.
If the result is that prepaid is possible, identify the desired amount (a fee may be added to the desired amount, and the same name shall be used in that case) and the employer who uses the worker. A user credit card payment processing request unit that outputs a user credit card payment processing request for processing a user credit card payment including the credit card identification information associated with the user identification information, and a user credit card payment processing request unit.
In response to the output user credit card payment processing request, the payment processing availability information acquisition unit that acquires payment processing availability information, which is information indicating whether payment processing is possible,
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. Information output section and
Wage prepayment system with a wage prepayment server. The Labor Status Information Management Department, which manages the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The Labor Status Information Holding Department, which holds the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The prepaid amount calculation unit that calculates the prepaid amount based on the labor status information associated with the worker identification information,
The prepaid amount record holding unit that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving unit that receives a prepayable amount acquisition request that is a request for acquisition of the prepayable amount associated with the worker identification information from the wage prepayment server.
A response transmitter that transmits the prepaid amount associated with the worker identification information received in response to the reception of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition department
A prepaid amount request transmitting means for transmitting a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and a method for transmitting the prepaid amount request.
A prepaid amount receiving means for receiving a prepaid amount as a response to the request from the labor status management server, and a prepaid amount receiving means.
The wage prepayment system according to claim 1. Of the wage prepaid server,
The user credit card payment processing request department
The wage prepayment system according to claim 1 or 2, further comprising a credit card payment agency transmission means for transmitting the user credit card payment processing to the credit card payment agency and / and the credit card company. The wage prepayment server makes a wage prepayment request for payment processing refusal information, which is information that payment processing is not possible, when the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible. The invention according to any one of claims 1 to 3, which has a payment processing refusal information transmission unit for transmitting to a terminal used by an employer identified by the employer identification information associated with the worker identification information. Wage prepayment system. Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information retention step that holds in association with,
A credit card identification information retention step that retains credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information.
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information retention step and
A wage prepayment request acquisition step that obtains a wage prepayment request that includes a wage prepayment request that associates the worker identification information with the desired amount from the worker.
The prepaid amount acquisition step for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A prepayment decision step that determines whether or not the desired amount of wages included in the wage prepayment request can be prepaid based on the acquired prepayment amount in association with the worker identification information included in the acquired wage prepayment request.
If the result is that prepaid is possible, identify the desired amount (a fee may be added to the desired amount, and the same name shall be used in that case) and the employer who uses the worker. A user credit card payment processing request step that outputs a user credit card payment processing request for processing a user credit card payment, including a credit card identification information associated with the user identification information, and a user credit card payment processing request step.
In response to the output user credit card payment processing request, the payment processing availability information acquisition step for acquiring payment processing availability information, which is information indicating whether payment processing is possible, and
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. How to operate a wage prepayment system with an information output step and a wage prepayment server that is a computer with. A labor status information management step that manages labor status information, which is information indicating the working status of an employer's worker identified by the employer identification information, in association with the worker identification information.
A labor status information retention step that retains labor status information, which is information indicating the labor status of an employer's worker identified by the employer identification information, in association with the worker identification information, and
A prepaid amount calculation step that calculates the prepaid amount based on the labor status information associated with the worker identification information, and
A prepaid amount record keeping step that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving step that receives a prepayable amount acquisition request that is associated with a worker identification information from a wage prepayment server and is a request for acquisition of the prepayable amount associated with the worker identification information.
A response transmission step of transmitting the prepaid amount associated with the received worker identification information in response to the receipt of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition step is
A prepaid amount request transmission substep that transmits a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and
In response to the request from the labor status management server, a prepaid amount receiving substep for receiving the prepaid amount, and
The method of operating the wage prepaid system according to claim 5. The user credit card payment processing request step is
The wage prepayment server according to claim 5 or 6, which has a credit card settlement agency transmission substep that transmits the user credit card payment processing to the credit card settlement agency and / and the credit card company. How to operate the wage prepayment system you have. When the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible, the wage prepayment server requests payment processing refusal information, which is information that payment processing is not possible. The payment processing refusal information transmission step of claim 5 to any one of claims 7 having a payment processing refusal information transmission step to be transmitted to a terminal used by an employer identified by the employer identification information associated with the worker identification information. How to operate a wage prepayment system that has a wage prepayment server that is a computer. Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information retention step that holds in association with,
A credit card identification information retention step that retains credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information.
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information retention step and
A wage prepayment request acquisition step that obtains a wage prepayment request that includes a wage prepayment request that associates the worker identification information with the desired amount from the worker.
The prepaid amount acquisition step for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A prepayment decision step that determines whether or not the desired amount of wages included in the wage prepayment request can be prepaid based on the acquired prepayment amount in association with the worker identification information included in the acquired wage prepayment request.
If the result is that prepaid is possible, identify the desired amount (a fee may be added to the desired amount, and the same name shall be used in that case) and the employer who uses the worker. A user credit card payment processing request step that outputs a user credit card payment processing request for processing a user credit card payment, including a credit card identification information associated with the user identification information, and a user credit card payment processing request step.
In response to the output user credit card payment processing request, the payment processing availability information acquisition step for acquiring payment processing availability information, which is information indicating whether payment processing is possible, and
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. Information output step and
A program that can be read and executed by a wage prepayment system that has a wage prepayment server that is a calculator with. A labor status information management step that manages labor status information, which is information indicating the working status of an employer's worker identified by the employer identification information, in association with the worker identification information.
A labor status information retention step that retains labor status information, which is information indicating the labor status of an employer's worker identified by the employer identification information, in association with the worker identification information, and
A prepaid amount calculation step that calculates the prepaid amount based on the labor status information associated with the worker identification information, and
A prepaid amount record keeping step that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving step that receives a prepayable amount acquisition request that is associated with a worker identification information from a wage prepayment server and is a request for acquisition of the prepayable amount associated with the worker identification information.
A response transmission step of transmitting the prepaid amount associated with the received worker identification information in response to the receipt of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition step is
A prepaid amount request transmission substep that transmits a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and
In response to the request from the labor status management server, a prepaid amount receiving substep for receiving the prepaid amount, and
A program that can be read and executed by the wage prepayment system, which is the computer according to claim 9. The user credit card payment processing request step is
The wage prepayment server according to claim 9 or 10, which has a credit card settlement agency transmission substep that transmits the user credit card payment processing to the credit card settlement agency and / and the credit card company. A program that can be read and executed by the wage prepayment system that you have. The wage prepayment server makes a wage prepayment request for payment processing refusal information, which is information that payment processing is not possible, when the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible. The payment processing refusal information transmission step of further comprising a payment processing refusal information transmission step to be transmitted to a terminal used by an employer identified by the employer identification information associated with the worker identification information according to any one of claims 9 to 11. A program that can be read and executed by a wage prepayment system that has a wage prepayment server that is a computer for. Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information holding department, which holds in association with,
A credit card identification information holding unit that holds credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information.
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information holder and
The prepaid amount acquisition department for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A wage prepayment request acquisition department that obtains a wage prepayment request including a wage prepayment request that associates a worker identification information with a desired amount within the prepayable amount from a worker.
Identify the desired amount of the prepaid request within the acquired prepaid amount (a fee may be added to the desired amount, and the same name shall be applied in that case) and the employer who uses the worker. The credit card identification information associated with the user identification information, and the user credit card payment processing request unit that outputs the user credit card payment processing request for processing the user credit card payment including the user credit card payment processing request unit.
In response to the output user credit card payment processing request, the payment processing availability information acquisition unit that acquires payment processing availability information, which is information indicating whether payment processing is possible,
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. Information output section and
Wage prepayment system with a wage prepayment server. The Labor Status Information Management Department, which manages the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The Labor Status Information Holding Department, which holds the labor status information, which is the information indicating the working status of the employer's worker identified by the employer identification information, in association with the worker identification information,
The prepaid amount calculation unit that calculates the prepaid amount based on the labor status information associated with the worker identification information,
The prepaid amount record holding unit that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving unit that receives a prepayable amount acquisition request that is a request for acquisition of the prepayable amount associated with the worker identification information from the wage prepayment server.
A response transmitter that transmits the prepaid amount associated with the worker identification information received in response to the reception of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition department
A prepaid amount request transmitting means for transmitting a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and a method for transmitting the prepaid amount request.
A prepaid amount receiving means for receiving a prepaid amount as a response to the request from the labor status management server, and a prepaid amount receiving means.
The wage prepayment system according to claim 13. The user credit card payment processing request department of the wage prepayment server
The wage prepayment system according to claim 13 or 14, further comprising a credit card payment agency transmission means for transmitting a user credit card payment processing request to a credit card payment agency and / and a credit card company. Wage prepaid server
If the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible, payment processing refusal information, which is information that payment processing is not possible, is used as the worker identification information that requested the wage prepayment. The wage prepayment system according to any one of claims 13 to 15, further comprising a payment processing refusal information transmitter for transmitting to a terminal used by a user identified by the user identification information associated with. .. Wage prepaid server
The worker identification information of the worker who executed the prepayment processing and the prepayment amount information indicating the prepayment amount which is the prepayment amount processed for the worker are associated with the prepayment processing result information to the labor status management server. It has a prepaid processing result information output unit that outputs to
The labor status management server receives the prepaid processing result information receiving unit for receiving the prepaid processing result information.
The wage prepayment system according to any one of claims 2 to 4 and 14 to 16. The labor status management server is
The Wage Information Acquisition Department, which acquires wage information including the wage amount of the worker based on the labor status information held in association with the worker identification information,
The wage information holding department that holds the acquired wage information,
A wage information output unit that outputs the held wage information,
The wage prepayment system according to any one of claims 2 to 4 and 14 to 17. The labor status management server is
The wage claim information acquisition department that acquires wage claim information in association with worker identification information based on the retained labor status information,
The wage claim information holding department that holds the acquired wage claim information in association with the worker identification information,
The wage claim information output unit that outputs the held wage claim information in association with the worker identification information,
The wage prepayment system according to any one of claims 2 to 4 and 14 to 18. The labor status management server is
It also has a prepaid amount calculation rule holding unit that holds one or more prepaid amount calculation rules, which is a rule for calculating the prepaid amount based on wage receivable information.
The prepaid amount calculation department of the labor situation management server is
Calculate the prepaid amount by associating it with the worker identification information based on the held prepaid amount calculation rule and wage claim information.
The wage prepayment system according to any one of claims 2 to 4 and 14 to 19. The labor status management server is
It also has a prepaid result history information storage and holding unit that stores and holds prepaid result history information, which is a history of prepaid processing result information in association with worker identification information.
The prepaid amount calculation rule holding unit holds a history-dependent prepaid amount calculation rule, which is a rule for calculating the prepaid amount based on the prepaid result history information and wage receivable information. The wage prepaid system according to claim 20 having the above. The prepaid result history information storage and retention unit of the labor status management server
A method for creating a prepaid result history report that periodically creates a report based on the accumulated prepaid result history information, and
further,
Accumulation of prepaid result history report Prepaid result history report storage means,
Outputting the prepaid result history report The prepaid result history report output means and
21. The wage prepayment system according to claim 21. The prepaid result history report output means of the labor status management server is
Create a report that periodically outputs based on the prepaid result history information of workers who provide labor to multiple employers, separately for each user, and output it to the corresponding employer. With
Receive the wage and prepayment history information separately from one or more employers identified by the employer identification information associated with the worker identification information, or from all the one or more employers. The wage prepayment according to claim 22, which has a worker-oriented prepayment result history report output device that reports one or both of the total result of the wage and the prepayment history to the worker identified by the worker identification information. system. The labor status management server is
The prepaid amount calculation rule holding unit further has a prepaid amount calculation rule holding means for each worker that holds a prepaid amount calculation rule in association with the worker identification information, according to any one of claims 20 to 23. Wage prepayment system listed. The labor status management server is
The wage prepayment system according to claim 24, further comprising a change part associated with a prepayable amount calculation rule that changes the association between the worker identification information and the prepayable amount calculation rule. The labor status management server is
The wage prepayment system according to claim 24 or 25, further comprising a prepayable amount calculation rule editing unit for editing a prepaid amount calculation rule. The Attendance Information Acquisition Department, which acquires the attendance information of the worker in association with the worker identification information,
A labor status information output unit that outputs the acquired attendance information as labor status information,
The wage prepayment system according to any one of claims 1 to 4 and 13 to 26, further comprising an attendance management server. The labor status management server is
A wage transfer processing unit that performs wage transfer processing, which is a process for wage transfer of a worker identified by the worker identification information associated based on the output wage information,
Wage transfer processing result holding unit that holds the result of wage transfer processing,
The wage transfer processing result output unit that outputs the held wage transfer processing result,
18. The wage prepayment system according to any one of claims 19 to 27, which is subordinate to claim 18. Wage prepaid server
The password information registration department that registers password information in association with user identification information and / and worker identification information,
A password information holding unit that holds the registered password information in association with the user identification information and / and the worker identification information,
A password information reception unit that receives password information in association with user identification information and / and worker identification information from the terminal used by the user, and
The password information judgment unit that judges whether the received password information is genuine based on the retained password information,
A screen that provides a screen for outputting the prepaid processing result information to the terminal used by the user or / and the worker when the judgment result in the password information judgment unit is the judgment result of authenticity. With the provider
The wage prepayment system according to any one of claims 1 to 4 and 13 to 28. The password information registration department of the wage prepaid server
The wage prepayment system according to claim 29, which has a biological password information registration means for registering any one or more of fingerprint, retina, face, voice, vein pattern, and palm pattern as password information. Wage prepaid server
The wage prepayment system according to any one of claims 1 to 4 and claims 13 to 30, which has a fee information acquisition unit for acquiring fee information which is information on fees. The wage prepayment system according to claim 31, wherein the user credit card payment processing request unit further includes a credit card payment processing request adjusting means for adjusting the credit card payment processing request based on the acquired fee information. The wage prepayment system according to claim 31, wherein the prepayment processing information output unit further includes a prepayment processing information adjusting means for adjusting the prepayment processing information based on the acquired fee information. The wage prepaid server according to any one of claims 1 to 4 and 13 to 33. 2. The labor situation management server according to any one of claims 3 to 4, which are dependent on claim 2, and claims 5 to 33, which are dependent on claim 14, claim 14. 27, the attendance management server according to claim 28 to 33, which is dependent on claim 27. Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information retention step that holds in association with,
A credit card identification information holding unit step that holds credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information, and
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information retention step and
The prepaid amount acquisition step for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A wage prepayment request acquisition department step that obtains a wage prepayment request that includes a wage prepayment request that associates a worker identification information with a desired amount within the prepayable amount from a worker.
Identify the desired amount of the prepaid request within the acquired prepaid amount (a fee may be added to the desired amount, and the same name shall be applied in that case) and the employer who uses the worker. A user credit card payment processing request step that outputs a user credit card payment processing request for processing a user credit card payment, including a credit card identification information associated with the user identification information.
In response to the output user credit card payment processing request, the payment processing availability information acquisition step for acquiring payment processing availability information, which is information indicating whether payment processing is possible, and
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. Information output step and
How to operate a wage prepayment system with a wage prepayment server that is a calculator with. A labor status information management step that manages labor status information, which is information indicating the working status of an employer's worker identified by the employer identification information, in association with the worker identification information.
A labor status information retention step that retains labor status information, which is information indicating the labor status of an employer's worker identified by the employer identification information, in association with the worker identification information, and
A prepaid amount calculation step that calculates the prepaid amount based on the labor status information associated with the worker identification information, and
A prepaid amount record keeping step that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving step that receives a prepayable amount acquisition request that is associated with a worker identification information from a wage prepayment server and is a request for acquisition of the prepayable amount associated with the worker identification information.
A response transmission step of transmitting the prepaid amount associated with the received worker identification information in response to the receipt of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition step is
A prepaid amount request transmission substep that transmits a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and
In response to the request from the labor status management server, a prepaid amount receiving substep for receiving the prepaid amount, and
37. The method of operating the wage prepaid system, which is the computer according to claim 37. Of the wage prepaid server,
The user credit card payment processing request step is
The wage prepayment server according to claim 37 or 38, which has a credit card settlement agency transmission substep that transmits the user credit card payment processing to the credit card settlement agency and / and the credit card company. How to operate the wage prepayment system you have. Wage prepaid server
If the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible, payment processing refusal information, which is information that payment processing is not possible, is used as the worker identification information that requested the wage prepayment. The computer according to any one of claims 37 to 39, further comprising a payment processing refusal information transmission step of transmitting to a terminal used by a user identified by the user identification information associated with. How a wage prepayment system with a wage prepayment server works. Wage prepaid server
The worker identification information of the worker who executed the prepayment processing and the prepayment amount information indicating the prepayment amount which is the prepayment amount processed for the worker are associated with the prepayment processing result information to the labor status management server. It has a prepaid processing result information output step to output to
The labor status management server performs the prepaid processing result information receiving step of receiving the prepaid processing result information.
A method of operating a wage prepayment system having a wage prepayment server, which is a computer according to any one of claims 6 to 8 and 38 to 40. The labor status management server is
A wage information acquisition step that acquires wage information including the wage amount of the worker based on the labor status information held in association with the worker identification information,
A wage information retention step that retains the acquired wage information,
A wage information output step that outputs the held wage information, and
A method of operating a wage prepayment system having a wage prepayment server, which is the computer according to any one of claims 6 to 8 and 38 to 41. The labor status management server is
Wage receivable information acquisition step to acquire wage receivable information in association with worker identification information based on the retained labor status information,
The wage receivable information retention step that retains the acquired wage receivable information in association with the worker identification information,
A wage claim information output step that outputs the held wage claim information in association with the worker identification information,
A method of operating a wage prepayment system having a wage prepayment server, which is the computer according to any one of claims 6 to 8 and 38 to 42. The labor status management server is
It also has a prepaid amount calculation rule holding step that holds one or more prepaid amount calculation rules, which is a rule for calculating the prepaid amount based on wage receivable information.
The prepaid amount calculation step of the labor situation management server is
Calculate the prepaid amount by associating it with the worker identification information based on the held prepaid amount calculation rule and wage claim information.
A method of operating a wage prepayment system having a wage prepayment server, which is the computer according to any one of claims 6 to 8 and 38 to 43. The labor status management server is
It further has a step of accumulating and retaining prepaid result history information, which is a history of prepaid processing result information in association with worker identification information.
The prepaid amount calculation rule holding step is a rule for calculating the prepaid amount based on the prepaid result history information and the wage claim information. The history-dependent prepaid amount calculation rule holding sub that holds the history-dependent prepaid amount calculation rule. The method of operating a wage prepaid system, which is the computer according to claim 44 having steps. The prepaid result history information retention step of the labor status management server is
Prepaid result history report creation sub-step to create a report regularly based on the accumulated prepaid result history information,
further,
Accumulate prepaid result history report Prepaid result history report accumulation sub-step and
Output the prepaid result history report The prepaid result history report output substep and
45. The method of operating the wage prepaid system, which is the computer according to claim 45. The prepaid result history report output substep of the labor status management server is
A report that periodically outputs based on the prepaid result history information of workers who provide labor to multiple employers is created by separating wage and prepaid history information for each user and output to the corresponding employer. At the same time
Receive the wage and prepayment history information separately from one or more employers identified by the employer identification information associated with the worker identification information, or from all the one or more employers. The prepaid result history report output sub-substep for workers, which reports one or both of the total results of wages and prepayment history to the worker identified by the worker identification information, is performed by the computer according to claim 46. How a wage prepayment system works. The labor status management server is
Any one of claims 44 to 47, wherein the prepaid amount calculation rule holding step further has a prepaid amount calculation rule holding sub-step for each worker that holds the prepaid amount calculation rule in association with the worker identification information. How to operate the wage prepaid system, which is the computer described in. The labor status management server is
The method of operating a wage prepayment system, which is a calculator according to claim 48, further comprising a change step associated with a prepayable amount calculation rule that changes the association between the worker identification information and the prepayable amount calculation rule. The labor status management server is
The method of operating a wage prepayment system, which is the computer according to claim 48 or 49, further comprising a prepayable amount calculation rule editing step for editing a prepayable amount calculation rule. Attendance information acquisition step to acquire the attendance information of the worker in association with the worker identification information,
A labor status information output step that outputs the acquired attendance information as labor status information,
The method of operating the wage prepayment system, which is the computer according to any one of claims 5 to 8 and 37 to 50, further comprising an attendance management server. The labor status management server is
A wage transfer processing step for performing a wage transfer processing, which is a processing for a worker's wage transfer identified by the worker identification information associated with the output wage information, and
Wage transfer processing result holding step to hold the result of wage transfer processing,
The wage transfer processing result output step that outputs the held wage transfer processing result, and
42, the method of operating the wage prepaid system, which is the computer according to any one of claims 43 to 51, which is subordinate to claim 42. Wage prepaid server
A password information registration step for registering password information in association with user identification information and / and worker identification information, and
A password information retention step that retains the registered password information in association with the user identification information and / and the worker identification information, and
A password information reception step that accepts password information in association with user identification information and / and worker identification information from a terminal used by the user, and
The password information determination step to determine whether the accepted password information is genuine based on the retained password information, and
A screen that provides a screen for outputting the prepaid processing result information to the terminal used by the user or / and the worker when the judgment result in the password information judgment unit is the judgment result of authenticity. Offering steps and
5. The method of operating the wage prepaid system, which is the computer according to claims 5 to 8 and 37 to 52. The password information registration step of the wage prepaid server is
The operation method of the wage prepayment system according to claim 53, which has a biopassword information registration substep for registering any one or more of fingerprint, retina, face, voice, vein pattern, and palm pattern as password information. Wage prepaid server
The method of operating the wage prepayment system according to any one of claims 5 to 8 and claims 37 to 54, which has a fee information acquisition step for acquiring fee information which is information on fees. The method of operating the wage prepayment system according to claim 55, wherein the user credit card payment processing request step further comprises a credit card payment processing request adjustment substep that adjusts the credit card payment processing request based on the acquired fee information. The operation method of the wage prepayment system according to claim 55, wherein the prepayment processing information output unit further includes a prepayment processing information adjustment substep that adjusts the prepayment processing information based on the acquired fee information. A method of operating a wage prepaid server, which is the computer according to any one of claims 5 to 8 and 37 to 57. 6. The labor situation management server according to any one of claims 7 to 8, which are dependent on claim 6, and claims 39 to 57, which are dependent on claim 38 and claim 38. How it works. 51, The method of operating the attendance management server, which is the computer according to claim 52 to 57, which is dependent on claim 51. Worker identification information that identifies the worker who receives compensation for labor, and employer identification information that identifies the employer who pays wages to the worker identified by the worker identification information as compensation for labor. And, the employer-worker identification information retention step that holds in association with,
A credit card identification information holding unit step that holds credit card identification information, which is credit card identification information that can be used by the user in association with the user identification information, and
Money held in association with worker identification information and money system identification information (including, but not limited to, bank account, electronic money charge ID) that can be used by workers identified by the worker identification information. System identification information retention step and
The prepaid amount acquisition step for acquiring the prepaid amount, which is the prepaid amount associated with the worker identification information,
A wage prepayment request acquisition department step that obtains a wage prepayment request that includes a wage prepayment request that associates a worker identification information with a desired amount within the prepayable amount from a worker.
Identify the desired amount of the prepaid request within the acquired prepaid amount (a fee may be added to the desired amount, and the same name shall be applied in that case) and the employer who uses the worker. A user credit card payment processing request step that outputs a user credit card payment processing request for processing a user credit card payment, including a credit card identification information associated with the user identification information.
In response to the output user credit card payment processing request, the payment processing availability information acquisition step for acquiring payment processing availability information, which is information indicating whether payment processing is possible, and
When the acquired payment processing availability information is payment processing enablement information, which is information that payment processing is possible, it is identified by the money system identification information associated with the worker identification information of the worker who requested the wage prepayment. Prepaid processing that outputs prepaid processing information that is information for prepaid processing that is processing for paying the desired amount (the fee may be deducted, and the same name is used in that case) to the money system. Information output step and
A program that can be read and executed by a wage prepayment system that has a wage prepayment server that is a calculator with. A labor status information management step that manages labor status information, which is information indicating the working status of an employer's worker identified by the employer identification information, in association with the worker identification information.
A labor status information retention step that retains labor status information, which is information indicating the labor status of an employer's worker identified by the employer identification information, in association with the worker identification information, and
A prepaid amount calculation step that calculates the prepaid amount based on the labor status information associated with the worker identification information, and
A prepaid amount record keeping step that records and holds the calculated prepaid amount in association with the worker identification information,
A request receiving step that receives a prepayable amount acquisition request that is associated with a worker identification information from a wage prepayment server and is a request for acquisition of the prepayable amount associated with the worker identification information.
A response transmission step of transmitting the prepaid amount associated with the received worker identification information in response to the receipt of the request to the wage prepaid server, and
In addition to having a labor situation management server that has
The wage prepayment server's prepayable amount acquisition step is
A prepaid amount request transmission substep that transmits a prepaid amount request for the worker in association with the worker identification information to the labor status management server, and
In response to the request from the labor status management server, a prepaid amount receiving substep for receiving the prepaid amount, and
A program that can be read and executed by the wage prepayment system, which is the computer according to claim 61. Of the wage prepaid server,
The user credit card payment processing request step is
The wage prepayment server according to claim 61 or 62, which has a credit card payment agency transmission substep that transmits the user credit card payment processing to the credit card payment agency and / and the credit card company. A program that can be read and executed by the wage prepayment system that you have. Wage prepaid server
If the acquired payment processing availability information is payment processing impossible information, which is information that payment processing is not possible, payment processing refusal information, which is information that payment processing is not possible, is provided as the worker identification information that requested the wage prepayment. The computer according to any one of claims 61 to 63, further comprising a payment processing refusal information transmission step of transmitting to a terminal used by a user identified by the user identification information associated with. A program that can be read and executed by a wage prepayment system that has a wage prepayment server. Wage prepaid server
The worker identification information of the worker who executed the prepayment processing and the prepayment amount information indicating the prepayment amount which is the prepayment amount processed for the worker are associated with the prepayment processing result information to the labor status management server. It has a prepaid processing result information output step to output to
The labor status management server performs the prepaid processing result information receiving step of receiving the prepaid processing result information.
A program that can be read and executed by a wage prepayment system having a wage prepayment server, which is the computer according to any one of claims 10 to 12 and 62 to 64. The labor status management server is
A wage information acquisition step that acquires wage information including the wage amount of the worker based on the labor status information held in association with the worker identification information,
A wage information retention step that retains the acquired wage information,
A wage information output step that outputs the held wage information, and
A program that can be read and executed by a wage prepayment system having a wage prepayment server, which is the computer according to any one of claims 10 to 12 and 62 to 65. The labor status management server is
Wage receivable information acquisition step to acquire wage receivable information in association with worker identification information based on the retained labor status information,
The wage receivable information retention step that retains the acquired wage receivable information in association with the worker identification information,
A wage claim information output step that outputs the held wage claim information in association with the worker identification information,
A program that can be read and executed by a wage prepayment system having a wage prepayment server, which is the computer according to any one of claims 10 to 12 and 62 to 66. The labor status management server is
It also has a prepaid amount calculation rule holding step that holds one or more prepaid amount calculation rules, which is a rule for calculating the prepaid amount based on wage receivable information.
The prepaid amount calculation step of the labor situation management server is
Calculate the prepaid amount by associating it with the worker identification information based on the held prepaid amount calculation rule and wage claim information.
A program that can be read and executed by a wage prepayment system having a wage prepayment server, which is the computer according to any one of claims 10 to 12 and 62 to 67. The labor status management server is
It further has a step of accumulating and retaining prepaid result history information, which is a history of prepaid processing result information in association with worker identification information.
The prepaid amount calculation rule holding step is a rule for calculating the prepaid amount based on the prepaid result history information and the wage claim information. The history-dependent prepaid amount calculation rule holding sub that holds the history-dependent prepaid amount calculation rule. A program that can be read and executed by a wage prepaid system, which is the computer according to claim 68 having steps. The prepaid result history information retention step of the labor status management server is
Prepaid result history report creation sub-step to create a report regularly based on the accumulated prepaid result history information,
further,
Accumulate prepaid result history report Prepaid result history report accumulation sub-step and
Output the prepaid result history report The prepaid result history report output substep and
A program that can be read and executed by the wage prepayment system, which is the computer according to claim 69. The prepaid result history report output means of the labor status management server is
A report that periodically outputs based on the prepaid result history information of workers who provide labor to multiple employers creates wage and prepaid history information separately for each user and outputs it to the corresponding employer. At the same time
Receive the wage and prepayment history information separately from one or more employers identified by the employer identification information associated with the worker identification information, or from all the one or more employers. The computer according to claim 70 having a worker-oriented prepayment result history report output sub-substep that reports one or both of the total results of wages and prepayment history to the worker identified by the worker identification information. A program that can be read and executed by a wage prepayment system. The labor status management server is
Any one of claims 68 to 71, wherein the prepaid amount calculation rule holding step further has a prepaid amount calculation rule holding sub-step for each worker that holds the prepaid amount calculation rule in association with the worker identification information. A program that can be read and executed by the wage prepaid system, which is the computer described in. The labor status management server is
A program that can be read and executed by the wage prepayment system, which is the calculator according to claim 70, further having a prepayable amount calculation rule-related change step for changing the association between the worker identification information and the prepayable amount calculation rule. The labor status management server is
A program that can be read and executed by a wage prepayment system, which is the computer according to claim 72 or 73, further having a prepayable amount calculation rule editing step for editing a prepayable amount calculation rule. Attendance information acquisition step to acquire the attendance information of the worker in association with the worker identification information,
A labor status information output step that outputs the acquired attendance information as labor status information,
A program that can be read and executed by the wage prepayment system, which is the computer according to any one of claims 10 to 12 and 62 to 74, further comprising an attendance management server. The labor status management server is
A wage transfer processing step for performing a wage transfer processing, which is a processing for a worker's wage transfer identified by the worker identification information associated with the output wage information, and
Wage transfer processing result holding step to hold the result of wage transfer processing,
The wage transfer processing result output step that outputs the held wage transfer processing result, and
66, a program that can be read and executed by the wage prepayment system, which is the computer according to any one of claims 67 to 75, which is subordinate to claim 66. Wage prepaid server
A password information registration step for registering password information in association with user identification information and / and worker identification information, and
A password information retention step that retains the registered password information in association with the user identification information and / and the worker identification information, and
A password information reception step that accepts password information in association with user identification information and / and worker identification information from a terminal used by the user, and
The password information determination step to determine whether the accepted password information is genuine based on the retained password information, and
A screen that provides a screen for outputting the prepaid processing result information to the terminal used by the user or / and the worker when the judgment result in the password information judgment unit is the judgment result of authenticity. Offering steps and
A program that can be read and executed by the wage prepayment system, which is the computer according to claims 10 to 12 and 62 to 76. The password information registration step of the wage prepaid server is
A program that can be read and executed by the wage prepayment system, which is the computer according to claim 77, which has a biopassword information registration substep for registering one or more of fingerprint, retina, face, voice, vein pattern, and palm pattern as password information. .. Wage prepaid server
A program that can be read and executed by the wage prepayment system, which is the computer according to any one of claims 9 to 12 and 61 to 78, which has a fee information acquisition step for acquiring fee information which is information about fees. The user credit card payment processing request step is read by the wage prepayment system, which is the computer according to claim 79, further comprising a credit card payment processing request adjustment substep that adjusts the credit card payment processing request based on the acquired fee information. Executable program. The prepayment processing information output unit is a program that can be read and executed by the wage prepayment system, which is the computer according to claim 79, further comprising a prepayment processing information adjustment substep that adjusts the prepayment processing information based on the acquired fee information. A program that can be read and executed by the wage prepayment server, which is the computer according to any one of claims 9 to 12 and 61 to 81. 10. The labor situation management server according to any one of claims 11 to 12, which are subordinate to claim 10, and claims 63 to 81, which are subordinate to claims 62 and 62. A program that can be read and executed. 75, a program that can be read and executed by the attendance management server, which is the computer according to claim 76 to 81, which is dependent on claim 75.

Images