JP2022016070A - Intracompany financing system linked to labor result, device, program, and method - Google Patents

Abstract

To meet demands of various payment forms of laborers about consideration of labor.SOLUTION: An intracompany financing system includes a user terminal 16, a labor data processing computer 12, and a settlement computer 14. The labor data processing computer 12 inputs request data transmitted from the user terminal 16, compares an amount specified by request amount data with an amount specified by available amount data in size, creates and outputs transfer data for paying a cash amount specified by ratio data as intracompany finance under a prescribed interest condition to a laborer in the case that the amount specified by the request amount data does not exceed the amount specified by the available amount data, and creates electronic money issuing request data for charging an electronic money amount specified by the ratio data as the intracompany finance under the prescribed interest condition to the user terminal 16 of the laborer to output the electronic money issuing request data to the settlement computer 14.SELECTED DRAWING: Figure 1

Description

The present invention relates to systems, devices, programs, and methods for in-house financing to workers.

Salaries as compensation for labor are often paid by companies on a predetermined payment date. In such a case, the amount obtained by subtracting various deductions from the accumulated consideration for labor within the predetermined period on the predetermined closing date is paid on the predetermined payment date.

However, in such a method, since the labor is paid for the labor within a predetermined period, there is a time lag between the time when the labor is provided and the time when the compensation for the labor is received.

Patent Documents 1, 2 and 3 propose a technique that allows a worker to be paid in advance at any time. Further, Patent Document 4 proposes a technique for receiving a part of prepaid salary with electronic money or the like with the spread of electronic payment services. Further, the cited document 5 has an amount comparison means for comparing the desired withdrawal amount and the remaining salary, and when the amount comparison means determines that the desired withdrawal amount is larger than the remaining salary, the withdrawal is desired. Equipped with a withdrawal amount determination means that determines the credit of a worker and adds the difference between the desired withdrawal amount and the remaining salary to the remaining salary to determine the withdrawal amount within the range of the borrowing limit obtained by the credit determination. ing.

Patent No. 3685788 Patent No. 3857279 Patent No. 43954313 JP-A-2019-185540 JP-A-2009-07525

However, in the techniques described in Cited Documents 1 to 4, the amount that can be withdrawn is limited to the range of salary that should be paid according to the number of working days of the worker and the like. In the technique described in Cited Document 5, a certain amount of credit is given to the actual working conditions of workers, but it does not correspond to flexible payment methods and timings such as electronic payment. In recent years, working styles have diversified, and demands on payment methods and timing of payment of labor compensation have also diversified. There is also a certain demand for increasing corporate value by flexibly utilizing the in-house loan system as part of welfare programs.

An object of the present invention is to solve such a problem.

The present invention is a labor comprising a worker's terminal, a financing device connected to the worker's terminal so as to be able to send and receive data, and a payment device connected to the user terminal and the financing device so as to be able to send and receive data. It is an in-house financing system linked to actual results, and the user terminal of the worker transmits request data including request amount data and ratio data of cash amount and electronic money amount to the financing device at an arbitrary timing. The financing device includes transmission means, and the financing device is stored in the input means for inputting the request data transmitted from the user terminal of the worker, the storage means for storing the daily salary data of the worker, and the storage means. Cumulative data for the period from the predetermined start date of the daily salary data of the worker to the date when the request data is input is calculated, and the cumulative data of the amount data already loaned to the worker from the cumulative data in the period. The available amount data is calculated based on the amount data obtained by subtracting, and the amount specified by the request amount data is compared with the amount specified by the available amount data. When the amount specified in the available amount data does not exceed the amount specified in the available amount data, the transfer data for financing the cash amount specified in the ratio data to the worker under predetermined interest rate conditions is provided. An electronic money issuance request for creating and outputting, and charging the worker's terminal to finance the electronic money amount specified by the ratio data to the worker under predetermined interest rate conditions. A processing means for creating data and outputting it to the payment device, and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data, and the transfer. The payment device is provided with a means for transferring the cash amount to the worker's account based on the data, and the payment device receives electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the financing device. It is an in-house financing system linked to labor performance, which is provided with an electronic money processing means for issuing and charging the user terminal of the worker.

In one embodiment of the present invention, the user terminal of the worker has a default value input means for inputting a default value of the ratio data from the financing device, and a display for displaying the default value of the ratio data. The financing device comprises means and an operating means in which the worker can adjust the default value, and the financing device stores the history of the ratio data input from the user terminal of the worker in association with the worker. The ratio data storage means, the adjustment means for adjusting the default value of the ratio of the worker using the history of the ratio data, and the default value for transmitting the default value of the adjusted ratio to the user terminal of the worker. It is equipped with a transmission means.

In another embodiment of the present invention, the electronic money amount includes a labor value amount, and the processing means is specified by the ratio data when the labor value amount specified by the ratio data is not 0. Labor value data for charging the worker's terminal to be used to finance the worker under a predetermined interest rate condition is created and output to the worker's terminal.

Further, the present invention comprises an input means for inputting request amount data including request amount data and ratio data of cash amount and electronic money amount from a worker's terminal, a storage means for storing the worker's daily wage data, and a storage means for storing the worker's daily wage data. Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data for which the loan has already been executed to the worker from the cumulative data. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the above period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. Then, when the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount specified in the ratio data is financed to the worker under predetermined interest rate conditions. The transfer data for the purpose is created and output, and the electronic money amount specified by the ratio data is charged to the user terminal of the worker in order to lend to the worker under a predetermined interest rate condition. A processing means for creating and outputting electronic money issuance request data for the purpose, and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data. It is an in-house financing device linked to labor performance, which has a means for transferring the cash amount to the worker's account based on the transfer data.

In one embodiment of the present invention, the labor using the ratio data storage means for storing the history of the ratio data input from the user terminal of the worker in association with the worker and the history of the ratio data. It has an adjusting means for adjusting the default value of the ratio of the worker and a transmitting means for transmitting the default value of the adjusted ratio to the user terminal of the worker.

In another embodiment of the present invention, the electronic money amount includes a labor value amount, and the processing means is specified by the ratio data when the labor value amount specified by the ratio data is not 0. The labor value data for charging the worker's terminal to finance the worker under a predetermined interest rate condition is created and output.

Further, the present invention comprises a step of inputting request data including request amount data and ratio data of cash amount and electronic money amount from a worker's terminal to a computer processor, and a means for storing the worker's daily salary data. Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the cumulative data is already stored in the worker. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data of the loan executed amount data in the period, and is specified by the amount specified by the request amount data and the available amount data. When the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount specified in the ratio data is compared with the amount specified in the ratio data under predetermined interest rate conditions. The transfer data for financing the worker is created and output, and the electronic money amount specified by the ratio data is financed to the worker under predetermined interest rate conditions. Electronic money issuance request data for charging the user terminal is created and output, and when the amount specified by the request amount data exceeds the amount specified by the available amount data, the transfer data is created. It is a program to execute a step of refusing and a step of transferring the cash amount to the worker's account based on the transfer data.

In one embodiment of the present invention, further, a step of associating the history of the ratio data input from the user terminal of the worker with the worker and storing it in the storage means, and the history of the ratio data are used. The step of adjusting the default value of the ratio of the worker and the step of transmitting the default value of the adjusted ratio to the user terminal of the worker are executed.

In another embodiment of the present invention, the electronic money amount further includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, the labor value specified by the ratio data is not zero. A step of creating and outputting labor value data for charging the worker's terminal to finance the amount to the worker under a predetermined interest rate condition is executed.

Further, in the present invention, the step of inputting the available amount data from the financing device and the default value of the ratio data of the cash amount and the electronic money amount into the processor of the computer, and the default value of the available amount and the ratio data are input. A step of displaying on the display means, a step of creating request data including request amount data and ratio data of cash amount and electronic money amount according to an operation from the operation unit, and transmission of the request data to the financing device. The step of receiving the electronic money data of the electronic money amount specified by the ratio data from the payment device and performing the charge processing are executed.

In one embodiment of the present invention, the electronic money amount further includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, the loan device specifies the labor value amount by the ratio data. The step of receiving the labor value data of the labor value to be charged and processing the charge is executed.

Further, in the present invention, request data including request amount data and ratio data of cash amount and electronic money amount is input from a worker's terminal, and the request data is input from a predetermined start date of the worker's daily salary data. The available amount data is calculated based on the amount data obtained by calculating the cumulative data for the period up to the date and subtracting the cumulative data for the period from the amount data already loaned to the worker from the cumulative data. Calculate and compare the amount specified by the request amount data with the amount specified by the available amount data, and the amount specified by the request amount data is the amount specified by the available amount data. Electronic money specified in the ratio data when the cash amount specified in the ratio data is not exceeded by creating and outputting transfer data for lending to the worker under predetermined interest rate conditions. An amount specified by the request amount data is created and output as electronic money issuance request data for charging the worker's terminal to finance the amount under a predetermined interest rate condition. Is an in-house financing method linked to the labor record of refusing to create the transfer data and transferring the cash amount to the worker's account based on the transfer data when the amount exceeds the amount specified in the available amount data. be.

In one embodiment of the invention, the history of the ratio data is further associated with the worker and stored in a storage means, and the history of the ratio data is used to adjust and adjust the default value of the ratio of the worker. The default value of the later ratio is transmitted to the user terminal of the worker.

In another embodiment of the present invention, the electronic money amount further includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, the labor value specified by the ratio data is not zero. Labor value data for charging the worker's terminal to finance the amount under a predetermined interest rate condition is created and output.

Further, the present invention comprises a worker's terminal, a financing device connected to the worker's terminal so as to be able to send and receive data, and a payment device connected to the user terminal and the financing device so as to be able to send and receive data. It is an in-house financing system linked to the labor record to be provided, and the user terminal of the worker transmits request data including request amount data and selection data of cash amount and electronic money amount to the financing device at an arbitrary timing. The financing device includes request data transmitting means, and the financing device includes an input means for inputting the request data transmitted from the user terminal of the worker, a storage means for storing the daily salary data of the worker, and the storage means. Cumulative data for the period from the predetermined start date of the stored daily salary data of the worker to the date when the request data is input is calculated, and the amount data for which the loan has already been executed to the worker is calculated from the cumulative data in the period. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size, and the request is made. A transfer to lend the cash amount selected in the selection data to the worker under predetermined interest rate conditions when the amount specified in the amount data does not exceed the amount specified in the available amount data. Data is created and output, and an electronic money issuance request for charging the worker's terminal to finance the electronic money amount selected in the selected data to the worker under predetermined interest rate conditions. A processing means for creating data and outputting it to the payment device, and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data, and the transfer. The payment device is provided with a means for transferring the cash amount to the worker's account based on the data, and the payment device receives electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the financing device. It is an in-house financing system linked to labor performance, which is provided with an electronic money processing means for issuing and charging the user terminal of the worker.

Further, the present invention comprises an input means for inputting request amount data including request amount data and selection data of cash amount and electronic money amount from a worker's terminal, a storage means for storing the worker's daily wage data, and a storage means for storing the worker's daily wage data. Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data already paid to the worker from the cumulative data is calculated. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. If the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount selected in the selection data is financed to the worker under predetermined interest rate conditions. To create and output transfer data for the above, and to charge the worker's terminal to finance the electronic money amount selected in the selection data to the worker under predetermined interest rate conditions. A processing means for creating and outputting money issuance request data and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data, and the transfer data. It is an in-house financing device linked to a labor record having a means for transferring the cash amount to the worker's account based on the above.

Further, the present invention comprises a step of inputting request data including request amount data and selection data of cash amount and electronic money amount from a worker's terminal into a computer processor, and a means for storing the worker's daily salary data. Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the cumulative data is already stored in the worker. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data of the prepaid amount data in the period, and is specified by the amount specified by the request amount data and the available amount data. When the amount specified in the request amount data does not exceed the amount specified in the available amount data by comparing the amount with the amount, the cash amount specified in the selection data is used as the labor under predetermined interest rate conditions. The terminal used by the worker to create and output transfer data for lending to the worker and to lend the electronic money amount specified by the selection data to the worker under predetermined interest rate conditions. A step of creating and outputting electronic money issuance request data for charging to, and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data. And the step of transferring the cash amount to the worker's account based on the transfer data.

Further, in the present invention, request data including request amount data and selection data of cash amount and electronic money amount are input from a worker's terminal, and the request data is input from a predetermined start date of the worker's daily salary data. Calculate the cumulative data for the period up to the date, and calculate the available amount data based on the amount data obtained by subtracting the cumulative data for the period from the amount data already paid to the worker from the cumulative data. Then, the amount specified by the request amount data and the amount specified by the available amount data are compared in magnitude, and the amount specified by the request amount data exceeds the amount specified by the available amount data. If not, the cash amount selected in the selection data is created and output as transfer data for lending to the worker under predetermined interest rate conditions, and the electronic money amount selected in the selection data is predetermined. Electronic money issuance request data for charging the worker's terminal in order to lend to the worker under the interest rate condition of the above is created and output, and the amount specified by the request amount data is the usage. This is an in-house financing method linked to labor performance, in which the creation of the transfer data is refused when the amount exceeds the amount specified by the possible amount data, and the cash amount is transferred to the worker's account based on the transfer data.

According to the present invention, a worker can receive an in-house loan in various forms according to his / her labor record. In particular, according to the present invention, a worker can receive cash and electronic money at any ratio as an in-house loan according to his / her labor record. That is, it can be received as cash or as electronic money. Further, according to the present invention, it is possible to provide a worker with an in-house loan within the labor record, more specifically, as an in-house loan with a low interest rate or an interest rate of 0%, so that smooth processing is possible. Is. The interest rate on loans also changes completely depending on the economic situation of society, and as long as there is a legal arrangement between the employer and the worker, the interest rate is an arbitrary interest rate between 0% and 100%. Can be done at.

It is a system configuration diagram in an embodiment. It is a functional block diagram of the enterprise side computer in an embodiment. It is a functional block diagram of the labor data processing computer in an embodiment. It is a functional block diagram of the payment computer in an embodiment. It is a functional block diagram of a user terminal in an embodiment. It is a functional block diagram of a seller terminal in an embodiment. It is a block diagram of the block of the labor data processing computer in embodiment. It is explanatory drawing which shows an example of the hourly wage unit price table in an embodiment. It is explanatory drawing which shows an example of the user table in an embodiment. It is explanatory drawing which shows an example of the request table in an embodiment. It is a graph which shows the time-dependent change of the request amount ratio for each worker in an embodiment. It is a graph which shows the default value of the request amount ratio for every worker in an embodiment. It is explanatory drawing which shows an example of the user data table in an embodiment. It is explanatory drawing which shows an example of the transaction table in an embodiment. It is explanatory drawing (the 1) which shows the flow of data in an embodiment. It is explanatory drawing (the 2) which shows the flow of data in an embodiment. It is a processing flowchart of the labor data processing computer in embodiment. It is a block diagram of a user terminal in an embodiment. It is a processing flowchart of a user terminal in an embodiment. It is a screen explanatory drawing (the 1) of the user terminal in an embodiment. FIG. 2 is a screen explanatory diagram (No. 2) of the user terminal in the embodiment. FIG. 3 is a screen explanatory diagram (No. 3) of the user terminal in the embodiment. It is a screen explanatory view (the 4) of the user terminal in an embodiment. FIG. 5 is a screen explanatory diagram (No. 5) of the user terminal in the embodiment. FIG. 6 is a screen explanatory diagram (No. 6) of the user terminal in the embodiment. FIG. 7 is a screen explanatory diagram (No. 7) of the user terminal in the embodiment. FIG. 8 is a screen explanatory diagram (No. 8) of the user terminal in the embodiment. FIG. 9 is a screen explanatory diagram (No. 9) of the user terminal in the embodiment. It is a screen explanatory view (No. 10) of a user terminal in an embodiment. 11 is a screen explanatory view (No. 11) of the user terminal in the embodiment. It is a screen explanatory view (No. 12) of a user terminal in an embodiment. It is a screen explanatory view (13) of a user terminal in an embodiment. It is explanatory drawing (the 3) which shows the flow of data in an embodiment. It is a screen explanatory drawing (the 1) of the user terminal in another embodiment. It is a screen explanatory view (No. 2) of a user terminal in another embodiment. It is a screen explanatory view (No. 3) of a user terminal in another embodiment. It is a screen explanatory drawing (the 4) of the user terminal in another embodiment. It is a screen explanatory view (No. 5) of a user terminal in another embodiment.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 shows an overall configuration diagram of an in-house loan system linked to labor performance in an embodiment. The in-house financing system is provided for a company-side computer 10 provided in a company that employs workers, a labor data processing computer 12 provided in a bank or its affiliated companies, an electronic money business operator (electronic money issuing company), and the like. A payment computer 14 provided, a user terminal 16 operated by a worker, and a seller terminal 18 operated by a seller who provides goods or services are provided, and these are connected to a communication network 20 so as to be able to send and receive data.

The company-side computer 10 is a computer that manages the employment status of workers, and a known attendance management application may be installed. The company-side computer 10 transmits the employment status of the worker as labor data to the labor data processing computer 12 via the communication network 20 at a predetermined timing. Although only one company-side computer 10 is shown in FIG. 1, the company-side computers 10 of a plurality of companies may be connected to the communication network 20.

The labor data processing computer 12 functions as an in-house financing device, and one or more server computers may be used. The labor data processing computer 12 accumulates and manages the labor data of the worker, and also receives the request for the in-house loan from the user terminal 16 used by the worker via the communication network 20 to receive the worker's bank. Execute the transfer process to the account. That is, the labor data processing computer 12 functions as a payment system used within or between banks. The labor data processing computer 12 may be physically separated into a computer that manages labor data and a bank settlement computer. Further, the labor data processing computer 12 sends an electronic money issuance request for converting a part or all of the labor consideration of the worker into electronic money in response to a request for an in-house loan from the user terminal 16 to the settlement computer 14. do.

The payment computer 14 is a computer that functions as a payment device and performs electronic payment, and one or more server computers may be used. The payment computer 14 issues electronic money in response to an electronic money issuance request from the labor data processing computer 12, notifies the labor data processing computer 12 to that effect, and supplies the electronic money data to the user terminal 16. Charge electronic money. Further, when a worker purchases a product or service with electronic money using the user terminal 16, the payment computer 14 executes payment with electronic money in response to a payment request from the seller terminal 18.

The user terminal 16 is a user terminal used by workers, such as a smartphone, a tablet terminal, and a personal computer (PC). An application program (in-house loan application) for determining and displaying an in-house loan request and an in-house loan condition is installed in the user terminal 16 to the labor data processing computer 12. The in-house loan application program can be downloaded from, for example, a home page (HP) managed by the labor data processing computer 12. In this embodiment, the condition of the in-house loan affects the available amount data of the worker. For example, for a worker with excellent working conditions, the amount obtained by multiplying the available amount data by a coefficient exceeding 1.0 is used as the available data, and the amount is compared with the amount specified by the worker's request amount data. be able to. In addition, the interest rate may be less than 1.0 for workers whose working conditions are not evaluated very well or workers who have just started working. Such an interest rate can be determined from the attributes of the worker, the worker data in the labor data processing computer, and the like in the in-house loan application.

The seller terminal 18 is a terminal used by a seller of goods or services, and may be a tablet terminal, a PC, or a POS system. A payment application program for making a payment using electronic money on the payment computer 14 is installed in the seller terminal 18. The payment application program may be downloaded from the payment computer 14.

The communication network 20 is composed of one or a plurality of networks. The communication network 20 may be a dedicated line or a public line, and may be wired or wireless. A part or all of the communication network 20 may be a telephone line, the Internet, or a VPN.

FIG. 2 shows a functional block diagram of the enterprise computer 10. The company-side computer 10 includes a labor data input / output unit 100 and a labor data storage unit 101 as functional blocks.

The labor data input / output unit 100 inputs the labor data of the worker, that is, the basic information of the worker and the employment status, and outputs the data to the labor data processing computer 12 at a predetermined timing. Basic worker information includes various information to identify the worker, such as the worker's name, address, age, bank name, branch name, account number, and hourly wage to calculate the worker's salary. Unit price etc. are included. Workers may be part-time, part-time workers, contract employees, non-regular employees, as well as so-called regular employees.

The labor data storage unit 101 sequentially stores the labor data of the workers. Labor data may be hourly or daily.

FIG. 3 shows a functional block diagram of the labor data processing computer 12. The labor data processing computer 12 has, as functional blocks, a labor data input unit 120, a payroll unit 121, a request processing unit 122, an approval unit 123, a transfer table creation unit 124, an hourly wage unit price table storage unit 125, a user table storage unit 126, It includes a request table storage unit 127, a ratio table storage unit 128, and an electronic money conversion instruction unit 129.

The labor data input unit 120 inputs labor data from the company computer 10.

The salary calculation unit 121 calculates the cumulative salary amount from the predetermined start date for each worker using the input labor data. In addition, the salary calculation unit 121 also calculates the cumulative total of the amount of loans already executed to the workers under predetermined interest rate conditions, and calculates the cumulative salary balance obtained by subtracting the cumulative loan execution amount from the cumulative salary amount.

The request processing unit 122 inputs and processes the request data from the user terminal 16. The request processing unit 122 calculates a default value of the ratio for each worker according to the history of the past ratio for each worker, and transmits it to the user terminal 16. Here, the ratio means the ratio of cash and electronic money when a worker receives an in-house loan.

The approval unit 123 approves the request for in-house loan from the user terminal 16. Specifically, the available amount is calculated by multiplying the cumulative salary balance at the time of request by a certain coefficient for each worker, and the available amount is compared with the requested amount, and the requested amount is the available amount. Approve the request if it is within range. On the other hand, if the request amount exceeds the available amount, the request is rejected. If the request processing unit 122 is rejected by the approval unit 123, the request processing unit 122 transmits to that effect to the user terminal 16.

When approved by the approval unit 123, the transfer table creation unit 124 transfers the cash amount specified by the cash ratio of the request amount to the worker's account in order to make an internal loan under predetermined interest rate conditions. Create a table. The predetermined interest rate in the present embodiment may be predetermined in the transfer table preparation unit 124, or may be set by a bank or an affiliated company as appropriate. In this setting, the worker's agreement shall be obtained in advance through the employer. The predetermined interest rate condition in the present embodiment does not mean that the interest rate is unreasonably high within the range of the welfare of the worker, and may be set to 0% in consideration of the usage situation of the worker and the loan amount. Usually, it can be appropriately set between 0.1% and 0%.

The hourly wage unit price table storage unit 125 stores an hourly wage unit price table for each worker. The hourly wage unit price table also includes various information for identifying the worker, such as the worker's name, address, age, bank name, branch name, account number, and the like. These data are input from the company computer 10.

The user table storage unit 126 stores a labor data table for each worker. This user table includes working days and working hours for each worker. The payroll unit 121 starts with the hourly wage unit price for each worker managed in the hourly wage unit price table, the working days for each worker managed in the user table, the daily wage for each worker using the working hours, and the predetermined start date. Calculate the cumulative salary of. The daily salary for each worker and the cumulative salary calculated by the payroll unit 121 are recorded and managed in this user table.

The request table storage unit 127 stores a request table related to the request data input from the user terminal 16. The request table includes information that identifies the requested worker, a request date, an identifier (ID) that identifies the request, a request amount, a ratio, and the like. These data are recorded and managed when approved by the approval unit 123. The payroll unit 121 calculates the cumulative salary balance by deducting the amount of the loan already executed (request amount) from the cumulative salary amount by referring to the user table and the request table, and records it in this request table. When approving the request, the approval unit 123 determines approval / rejection by referring to the cumulative salary balance managed in the request table.

The ratio table storage unit 128 stores the ratio table. The ratio table contains the ratio contained in the request table, that is, the ratio of cash to electronic money. The ratio table manages the history of past ratios for each worker. The request processing unit 122 analyzes the tendency of the ratio for each worker based on the history of the ratio managed in the ratio table, and adjusts the default value of the ratio for each worker according to the analysis result. The default value of the adjusted ratio is recorded and managed in the ratio table. For example, about a worker
Default value of initial ratio: 50%
Default value for adjusted ratio: 70%
And so on.

When the electronic money conversion instruction unit 129 is approved by the approval unit 123, the electronic money conversion instruction unit 129 requests the settlement computer 14 to issue an electronic money amount specified by the ratio of the electronic money to the request amount. The electronic money issuance request data includes information for identifying a worker, an amount to be converted into electronic money, and information on a terminal to which electronic money should be transmitted (user terminal 16 in this embodiment).

The processing when approved by the approval unit 123 is summarized as follows.

When approved by the approval unit 123, the approval unit 123 records and updates the request amount and ratio of the newly approved request data in the request table stored in the request table storage unit 127. Further, the ratio of the newly approved request data is recorded and updated in the ratio table stored in the ratio table storage unit 128. Further, the approval unit 123 instructs the transfer table creation unit 124 to create the transfer table and the electronic money conversion instruction unit 129 to request the issuance of electronic money according to the ratio of the approved request data. Specifically, when the cash ratio is 100%, the approval unit 123 instructs the transfer table creation unit 124 to create a transfer table, and instructs the electronic money conversion instruction unit 129 to issue an electronic money. do not do. When the cash ratio is 0% and the electronic money ratio is 100%, the transfer table creation unit 124 is not instructed to create the transfer table, and the electronic money conversion instruction unit 129 is instructed to request the issuance of electronic money. .. When the cash ratio is between 0% and 100%, the transfer table creation unit 124 is instructed to create the transfer table, and the electronic money conversion instruction unit 129 is instructed to request the issuance of electronic money.

Depending on the result of approval by the approval unit 123, the request processing unit 122 may instruct the transfer table creation unit 124 and the electronic commerce conversion instruction unit 129 according to the ratio.

FIG. 4 shows a functional block diagram of the payment computer 14. The payment computer 14 includes a payment processing unit 141, a user data storage unit 142, and a transaction storage unit 143 as functional blocks.

The payment processing unit 141 issues electronic money in response to a request from the labor data processing computer 12, and transmits the issued electronic money data to a designated terminal, that is, a user terminal 16 in this embodiment. In addition, the payment processing unit 141 executes payment processing using electronic money in response to a payment request from the seller terminal 18.

The user data storage unit 142 stores user data. The user data includes the amount of electronic money for each worker, transaction ID, transaction date, and the like. When the payment processing unit 141 issues electronic money in response to a request from the labor data processing computer 12, the payment processing unit 141 updates the electronic money amount of the worker and stores it in the user data storage unit 142.

The transaction storage unit 143 stores transaction data. The transaction data includes a transaction ID, a transaction date, a settlement amount, and the like when processing a settlement in response to a settlement request from the seller terminal 18.

FIG. 5 shows a functional block diagram of the user terminal 16. The user terminal 16 includes an in-house loan application unit 161, an operation unit 162, a display unit 163, and a storage unit 164 as functional blocks.

The in-house loan application unit 161 is a functional block realized by executing the installed in-house loan application program, and is roughly divided into a processing module, an electronic money management module, and a labor value management module. The processing module is a module that manages the in-house loan processing as a whole, displays an operation screen (UI screen) on the display unit 163, receives a request from a worker who is a user, and makes a request via the communication network 20. The data is transmitted to the labor data processing computer 12. Further, the data from the labor data processing computer 12 is received and displayed on the display unit 163.

The electronic money management module manages the deposit and withdrawal of electronic money.

The labor value management module manages the input and output of labor value. Here, the "labor value" is the labor consideration obtained by the worker by employment, and is electronic data having the same value as money. The unit of labor value is arbitrary and may be yen or "** coin". In the case of "** coins", the exchange rate for yen can be set as appropriate.

Labor value can be thought of as a type of electronic money. However, in the present embodiment, the electronic money is obtained by requesting the payment computer 14 managed and operated by the electronic money business operator to issue it, whereas the labor value does not require such processing. It differs in that. That is, it can be said that the salary data itself, which is sequentially accumulated by labor in the labor data processing computer 12, functions as a labor value.

The processing module issues an API for activating the electronic money management module or the labor value management module as needed, activates the electronic money management module or the labor value management module, and manages the electronic commerce or the labor value. Control the management process. The electronic money management module and the labor value management module may be provided separately from the processing module, or may be integrated in the processing module.

The operation unit 162 is composed of a touch panel, a keyboard, a mouse, and the like, and is operated and input by a worker who is a user.

The display unit 163 is composed of a liquid crystal panel, an organic EL panel, or the like, and displays various screens.

The storage unit 164 stores user information.

FIG. 6 shows a functional block diagram of the seller terminal 18. The seller terminal 18 includes a payment application unit 181 and a store ID storage unit 182 as functional blocks.

The payment application unit 181 is a functional block realized by executing the installed payment application program, and is a payment request when a worker purchases a product or service using electronic money charged in the user terminal 16. Is transmitted to the payment computer 14. The settlement request includes an ID for identifying a worker, that is, a user terminal 16, an ID for identifying a seller, that is, a seller terminal 18, and a settlement amount.

The store ID storage unit 182 stores the store ID as an ID for identifying the seller terminal 18.

FIG. 7 shows a block diagram of the labor data processing computer 12. The labor data processing computer 12 includes a CPU 12a, a ROM 12b, a RAM 12c, an input / output interface (I / F) 12d, a storage device 12e, a communication I / F12f, an input device 12g, and a display device 12h, which are connected by a bus. ..

The one or a plurality of CPUs 12a reads out the processing program stored in the ROM 12b or the storage device 12e, and executes various processes using the RAM 12c as a working memory. Various processes include input and storage of labor data, payroll calculation for each worker, reception of request data and processing of request data, processing of creating a transfer table, processing of transfer to a bank account, processing of requesting issuance of electronic money, and labor. Includes value processing and ratio management processing. The CPU 12a constitutes a payroll unit 121, a request processing unit 122, an approval unit 123, a transfer table creation unit 124, and an electronic money conversion instruction unit 129 in FIG. One of the features of this embodiment is that a worker who is a user can arbitrarily set the ratio of cash and electronic money when requesting an in-house loan within the range of his / her own labor record. More specifically, it is possible to directly obtain electronic money in the form of an in-house loan within the range of labor performance. This point will be further described later.

The input / output I / F12d is connected to the input device 12g and the display device 12h to input / output data.

The storage device 12e is composed of an HDD, SSD, or the like, and stores various data. The storage device 12e constitutes an hourly wage unit price table storage unit 125, a user table storage unit 126, a request table storage unit 127, and a ratio table storage unit 128 in FIG. The hourly wage unit price table and the user table may be collectively managed as a single table.

The communication I / F 12f transmits / receives data to / from the company computer 10, the payment computer 14, and the user terminal 16 via the communication network 20. The communication I / F12f constitutes the labor data input unit 120 in FIG.

FIG. 8 shows an example of an hourly wage unit price table stored in the hourly wage unit price table storage unit 125. In the hourly wage unit price table, the employee code is stored in association with the company code, and the name corresponding to the employee code is also stored. In addition, the bank number, bank name, branch number, branch name, account number, account name, work start date, hourly wage unit price, last renewal date, deposit type, and email address are stored. The hourly wage unit price is the data necessary for calculating salary from working hours, and the bank name, bank account, etc. are the data necessary for creating a transfer table and transferring salary.

FIG. 9 shows an example of a user table stored in the user table storage unit 126. Worker labor data is stored for each company code, each employee code, and each working day. That is, the working hours of the employee specified by the employee code are stored in association with the company code, the employee code, and the working day. In addition, the salary amount obtained by multiplying the hourly wage unit price and the working hours, and the total salary amount obtained by accumulating the salary amounts are stored.

FIG. 10 shows an example of a request table stored in the request table storage unit 127. Request data for each company code, each employee code, and each request is stored. That is, the request date, request ID, request amount, breakdown: ratio, and salary balance are stored in association with the company code and employee code. The request date is the date when the request is received from the user terminal 16. The request ID is an ID uniquely assigned to the request data transmitted from the user terminal 16. The request amount is an in-house loan amount desired by the worker by operating the user terminal 16. Breakdown: The ratio is the breakdown of internal loans desired by workers and their ratio. In this embodiment, as an in-house loan form,
・ In-house financing using either cash or electronic money can be arbitrarily selected. Labor value is a kind of electronic money, but if you distinguish it from electronic money and regard it as another payment form,
・ It can be said that in-house financing using cash, electronic money, or labor value can be arbitrarily selected. Also, allow payment by virtual currency,
-It may be configured so that in-house financing using cash, electronic money, labor value, or virtual currency can be arbitrarily selected. In addition, interest rate conditions are visible in the request table viewed by workers.

The ratio is 100% cash, 100% electronic money, 50% cash, 50% electronic money, and the like. One worker always wants to pay in advance with 100% cash, another worker always wants an in-house loan with 100% e-commerce, and another wants 100% cash at some point. At another time, you may request an in-house loan of 50% cash and 50% electronic money. The ratio table storage unit 128 stores the ratio for each worker and provides basic data for analyzing the tendency of the ratio for each worker.

FIG. 11 shows an example of the ratio change for each worker stored in the ratio table storage unit 128. Workers with employee code "001" always make 100% cash requests, and workers with employee code "002" sometimes make 50% cash and 50% electronic money requests, with employee code "003". Workers always request 30% cash and 70% electronic money, and workers with employee code "004" were initially 100% cash, but the ratio of electronic money gradually increased. Make a request.

The request processing unit 122 analyzes such a tendency of the ratio for each worker by referring to the ratio table stored in the ratio table storage unit 128, and provides the ratio to the worker based on the tendency of the ratio. Dynamically change and adjust the default value to improve the convenience of workers when entering requests.

FIG. 12 shows an example of adjusting the default value of the ratio for each worker. The default ratio is a ratio set in advance on the system side when the worker requests an in-house loan from the labor data processing computer 12 using the user terminal 16. Since the worker with the employee code "001" always requests 100% cash as shown in FIG. 11, the default ratio is set to 100% cash accordingly. Workers with employee code "002" sometimes request 50% cash and 50% electronic commerce, so the default ratio is 70% cash and 30% electronic commerce accordingly. Since the worker of the employee "003" always requests 30% of cash and 70% of electronic money, the default ratio is set to 30% of cash and 70% of electronic money accordingly. Since the worker of the employee "004" is requesting to gradually increase the ratio of electronic money, the default ratio also increases the ratio of electronic money while decreasing the ratio of cash. The default value of the adjusted ratio is recorded and managed in the ratio table as described above.

For workers who do not have a ratio table, that is, workers who first receive an in-house loan using the in-house loan system, the default ratio can be set to 100% in cash, for example.

FIG. 13 shows an example of a user table stored in the user data storage unit 142 of the payment computer 14.

As user data, transaction ID, transaction date, settlement amount, store ID, and electronic money balance are recorded and managed for each user ID. The electronic commerce balance is increased and updated by the amount when new electronic commerce is issued in response to the electronic commerce issuance request from the labor data processing computer 12.

FIG. 14 shows an example of a transaction table stored in the transaction storage unit 143 of the payment computer 14.

As transaction data, transaction ID (settlement ID), transaction date, settlement amount, and user ID are recorded and managed for each store ID.

Next, the flow of data processing in this embodiment will be described.

FIG. 15 shows the flow of data in the in-house loan system in chronological order. It is the flow from the worker providing the labor to requesting an in-house loan and receiving the loan in cash or other means.

I: Labor provision First, the worker who is the user of the user terminal 16 provides labor to the employer based on the labor contract. The company computer 10 managed by the employer inputs and stores the labor data of the worker.

II: Labor data transmission Next, the company computer 10 transmits the labor data to the labor data processing computer 12. The timing of transmission is arbitrary, and may be transmitted every day or at regular intervals.

III: Request Next, the worker operates the user terminal 16 to send an in-house loan request to the labor data processing computer. When the labor data processing computer 12 receives the request, the labor data processing computer 12 refers to the user table of the worker, confirms the salary balance of the worker on the day when the request is received, sends the request to the user terminal 16, and also refers to the ratio table. Then, the default value of the ratio obtained from the past ratio history of the worker is transmitted. When the labor data processing computer 12 receives the request amount as the in-house loan amount and the breakdown: ratio from the user terminal 16, the labor data processing computer 12 executes the in-house loan processing under a predetermined interest rate condition according to the breakdown: ratio.

IV: Electronic money issuance request When the labor data processing computer 12 includes electronic money in the breakdown of the request data from the user terminal 16, for example, when cash is 50%, electronic money is 50%, etc., for example, the interest rate is 0. When performing in-house loan processing in%, the settlement computer 14 is requested to issue cash corresponding to the ratio of the requested amount of electronic money as electronic money. Further, the labor data processing computer 12 creates a transfer table for transferring an amount equivalent to the electronic money amount to an account designated by the business operator of the settlement computer 14 in response to a request for issuance of electronic money, and executes the transfer process. ..

When the ratio of electronic money is 0%, the labor data processing computer 12 does not request the payment computer 14 to issue electronic money, and proceeds to the next V: account transfer processing.

V: Account transfer / Charge of electronic money The labor data processing computer 12 has a predetermined interest rate condition when the cash ratio exists in the breakdown of the request data from the user terminal 16, that is, when the cash is not 0%. As an in-house loan process, we will create a transfer table to transfer cash equivalent to that ratio and transfer it to the worker's bank account. At the same time, if the ratio of electronic money is not 0%, the payment computer 14 transmits the electronic money issued to the worker to the user terminal 16. Here, the payment computer 14 transmits the electronic money data to the user terminal 16 after confirming the transfer of the amount corresponding to the electronic money amount from the labor data processing computer 12 to the company-designated account. The electronic money management module of the user terminal 16 processes the electronic money data from the payment computer 14 and executes the charging process of the electronic money. It is preferable that the payment computer 14 transmits the electronic money data to the user terminal 16 on the day or the next day of the transfer of the amount corresponding to the electronic money amount from the labor data processing computer 12.

VI: Salary balance transfer On the specified salary payment date, the labor data processing computer 12 creates a transfer table for the remaining salary balance obtained by subtracting the amount of the loan executed from the worker's salary and transfers it to the worker's bank account. .. The amount of the loan is reflected in the predetermined interest rate conditions. In the present embodiment, since the interest rate condition is set low, even if a loan of 100,000 yen is received in cash, for example, if the interest rate is 0.1%, it will be 100 yen, so that it is deducted. The amount of the loan will be 100,100 yen, and the amount after deducting this amount will be transferred to the worker's bank account.

FIG. 16 shows a flow of data when a product or service is purchased using electronic money issued by the payment computer 14 and charged by the electronic money management module of the user terminal 16.

I: Issuance of payment ID The payment computer 14 issues a payment ID in response to a request from a worker who uses the user terminal 16 and transmits the payment ID to the user terminal 16. The electronic money management module of the user terminal 16 receives and stores the payment ID via the communication network 20.

II: Provision of payment ID associated with the purchase of goods and services When a worker purchases goods and services of a seller, the worker provides the payment ID from the user terminal 16 to the seller terminal 18. The payment ID may be transmitted from the user terminal 16 to the seller terminal 18 by short-range wireless communication, or may be provided by optically reading from the image sensor of the seller terminal 18. The form of the payment ID is arbitrary, and may be a one-dimensional bar code or a two-dimensional bar code (QR code (registered trademark)). The payment ID is the same as the user ID in FIGS. 13 and 14.

III: Payment request The seller terminal 18 that has acquired the payment ID from the user terminal 16 transmits a payment request to the payment computer 14. The settlement request includes data on the settlement ID and the settlement amount. The payment computer 14 generates a transaction ID (transaction ID) corresponding to the payment request and executes the payment process. The payment computer 14 transmits the sales data including the transaction ID to the seller terminal 18, and transmits the purchase data including the transaction ID to the user terminal 16.

In this way, when a worker wishes to make an in-house loan in conjunction with his / her labor record, he / she can receive it as electronic money at a desired ratio in addition to receiving it as cash, and purchase goods and services with electronic money. be able to.

Next, the processing in the labor data processing computer 12 and the user terminal 16 will be described in more detail.

FIG. 17 shows a processing flowchart of the labor data processing computer 12. This is a process realized by the CPU 12a executing a process program stored in the ROM 12b or the storage device 12e.

First, the labor data processing computer 12 receives the labor data of the worker from the company computer 10 at a predetermined timing (S101).

Next, the cumulative salary up to that point for each worker (employee) is calculated (S102).

Next, it is determined whether or not an in-house loan request has been received from the user terminal 16 (S103). If the request is not received, the processes of S101 to S103 are repeatedly executed to sequentially calculate the cumulative salary for each worker.

When the request is received, the default value of the ratio to the worker is determined based on the past ratio of the worker stored in the ratio table storage unit 128 (S104). The default value of the determined ratio is transmitted to the user terminal 16 of the worker who transmitted the request.

Next, the ratio of electronic money in the prepaid request is determined based on the request data transmitted from the user terminal 16 (S105). The ratio of electronic money is classified into 0%, 100%, and others. For convenience, only two types, cash and electronic money, are used here (labor value is ignored).

When the ratio of electronic money is 0%, that is, 100% cash, a transfer table is created according to the request amount included in the request data, and the transfer is made to the worker's bank account (S107). At this time, the amount may be transferred after deducting a predetermined fee. Here, in the present embodiment, the interest rate is 0% and the worker is provided with an in-house loan, so that the transfer fee can be borne by the worker. Then, the transferred amount is deducted from the accumulated salary as the loan execution amount, and the salary balance update process is executed (S108).

When the ratio of electronic money is 100%, that is, when the cash is 0%, the payment computer 14 is requested to issue electronic money according to the request amount (S109). In response to this issuance request, the payment computer 14 converts the amount equivalent to the request amount into electronic money and sends it to the user terminal 16 to charge the electronic money. The payment computer 14 transmits to the labor data processing computer 12 that the electronic money has been charged. The labor data processing computer 12 deducts the amount converted into electronic money from the accumulated salary as the loan execution amount and executes the salary balance update process (S110).

When the ratio of electronic money is other than that, for example, cash 50%, electronic money 50%, etc., the payment computer 14 is requested to issue electronic money corresponding to the amount corresponding to the electronic money ratio of the request amount (S111). .. In response to this issuance request, the payment computer 14 converts the amount equivalent to the ratio amount into electronic money and sends it to the user terminal 16 to charge the electronic money. The payment computer 14 transmits to the labor data processing computer 12 that the electronic money has been charged. At the same time, the labor data processing computer 12 creates a transfer table of the amount corresponding to the cash ratio of the requested amount and transfers it to the worker's bank account (S112). At this time, the amount may be transferred after deducting a predetermined fee. The transfer amount and the amount converted into electronic money are deducted from the accumulated salary, and the salary balance update process is executed (S113).

FIG. 18 shows a block diagram of the user terminal 16. The user terminal 16 is a smartphone, a tablet terminal, a PC, or the like, and has a configuration included in these information terminals. The user terminal 16 includes a CPU 165, a ROM 166, a RAM 167, an operation unit 162, a display unit 163, a communication I / F 168, and a storage unit 164. The CPU 165 realizes various processes by executing a process program stored in the ROM 166 or the storage unit 164. The processing program includes an in-house financing application program. The in-house financing application program may be downloaded and installed from a predetermined server computer connected to the labor data processing computer 12 or the communication network 20. The electronic money management module may be incorporated into the in-house loan application program, but may be separately downloaded and installed from the payment computer 14 or another server computer.

The communication I / F 168 transmits / receives data to / from the labor data processing computer 12, the payment computer 14, and the seller terminal 18 via the communication network 20. That is, a request for an in-house loan is sent to the labor data processing computer 12, a default value of the ratio is received from the labor data processing computer 12, and request data including the request amount and a desired ratio is transmitted. The payment computer 14 receives the electronic money, charges the electronic money management module, requests the payment ID, and receives the issued payment ID. A payment ID is transmitted to the seller terminal 18 when purchasing a product or service.

FIG. 19 shows a processing flowchart of the user terminal 16. This is a process realized by the CPU 165 executing the in-house loan application program stored in the ROM 166 or the storage unit 164.

When the worker operates the user terminal 16 to activate the in-house loan application program (S201), the processing module of the in-house loan application first displays the login screen on the display unit 163 (S202). On this login screen, the worker inputs a company code, a user code, and the like. The processing module transmits the input information to the labor data processing computer 12. The labor data processing computer 12 collates the input data with the hourly wage unit price table and determines whether or not to allow login. When it is determined that the worker is a worker who can use the in-house loan system, the labor data processing computer 12 permits login and sends a notification to that effect to the user terminal 16.

Next, the processing module determines whether the login is OK or NG (S203). When the permission notification is received from the labor data processing computer 12, it is determined that the login is OK, and the in-house loan application screen is displayed on the display unit 163 (S204). On this application screen, the worker inputs whether to apply for an in-house loan or inquire about the available amount. The processing module transmits a request request by transmitting the input information to the labor data processing computer 12 (S205). Upon receiving the application for the in-house loan, the labor data processing computer 12 refers to the user table and the ratio table, obtains the available amount of the in-house loan based on the worker's current salary balance, and obtains the available amount of the in-house loan. The default value of the ratio is acquired by using the past ratio data of the worker, and is transmitted to the user terminal 16.

The processing module receives the default values of the available amount and the ratio from the labor data processing computer 12 as user data (S206), and displays the detail screen on the display unit 163 using these data (S207). On this detail screen, the worker inputs the amount of the in-house loan desired, its breakdown, and the ratio. The processing module transmits a request request by transmitting the input information to the labor data processing computer 12 (S208).

Next, the processing module determines whether the ratio of electronic money is 0% or other than 0% (S209). When the ratio of electronic money is 0%, the process proceeds to S211. When the ratio of electronic money is other than 0%, the processing module issues a command or API to activate the electronic money management module, and charges processing is performed using the electronic money data transmitted from the payment computer 14 (S210). In this charge process, the current electronic money balance may be displayed on the display unit 163, and a screen may be displayed in which the balance amount is increased by the newly charged electronic money.

When the ratio of electronic money is 0%, and when the charging process of electronic money is executed in S210, the processing module then determines whether the ratio of labor value is 0% or other than 0% (S211). If the labor value ratio is 0%, the process ends. When the labor value ratio is other than 0%, the processing module issues a command or API to activate the labor value management module, and charges processing is performed using the labor value data transmitted from the labor data processing computer 12 (S212). ..

If the worker has a cash ratio of 100%, both S209 and S211 are determined to be 0%, so that the processing module does not execute the processing of S210 and S212. In this case, the labor data processing computer 12 creates a transfer table according to the request amount of the in-house loan and executes the transfer process to the worker's bank account, so that the worker is transferred to his / her own bank account. The loan amount can be withdrawn as appropriate.

Hereinafter, the screen (UI screen) displayed on the display unit 163 of the user terminal 16 will be specifically described. A smartphone is exemplified as the user terminal 16, and a touch panel is exemplified as the display unit 163, but the present invention is not limited thereto.

FIG. 20 shows an example of a login screen displayed in S202. Input fields for entering the company code, user code, and password are displayed. The worker inputs these information and touches the "login" button to send the information to the labor data processing computer 12.

FIG. 21 shows an example of an application screen displayed in S204. It is the top menu of in-house loan, and the name (user name) of the logged-in worker and the date and time of the previous login are displayed.
-A check box for selecting one of usage application, available amount inquiry, usage application history inquiry, and password change is displayed. Workers touch one of the items to check the check box. Here, the worker shall check the check box of the "use application" and send it to the labor data processing computer 12.

FIG. 22 shows an example of a detailed screen displayed in S207. The available amount for the logged-in worker is displayed, the application amount and breakdown input fields, and the slide bar are displayed.

The available amount is within the range of the total salary of the worker at the time of the in-house loan request (the amount after deducting the loan amount if the loan has already been executed), which is managed by the user table shown in FIG. The forehead. If the company that employs the worker determines the range in which the loan can be used, it is within that range (for example, 70% of the total salary).

The application amount is the loan amount desired by the worker. The figure shows a case where 50,000 yen is desired for the available amount of 100,000 yen.

The breakdown is
・ Cash / e-commerce a
・ Electronic money b
-A check box for selecting the labor value is displayed, and a field for inputting the ratio is displayed.

The slide bar is a bar for inputting the ratio when any two of the breakdowns are selected, and the selected two ratios can be set by clicking the slider and moving it left or right. The slide bar is initially hidden and may be configured to be automatically displayed when any two of the breakdowns are selected.

23 to 27 show some patterns of breakdown.

FIG. 23 is a pattern in which workers select only cash. Only cash checkboxes are checked. In this case, since the cash is 100%, it is not necessary to set the ratio.

FIG. 24 is a pattern in which a worker selects only electronic money a. Only the check box of electronic money a is checked. The electronic money a and the electronic money b are different types of electronic money issued by different electronic money operators. In this case, since the electronic money a is 100%, it is not necessary to set the ratio.

FIG. 25 is a pattern in which a worker selects between cash and electronic money a. Check boxes for cash and e-commerce a are checked. In this case, it is necessary to separately set the ratio of cash and electronic money a.

FIG. 26 is a pattern in which the worker selects only the labor value. Only the labor value checkbox is checked. In this case, it is not necessary to select the ratio.

FIG. 27 shows a pattern in which a worker selects between cash and labor value. Check boxes for cash and labor value are checked. In this case, it is necessary to set the ratio of cash and labor value separately.

FIG. 28 shows an example of a detailed screen when a worker selects both cash and electronic money a. Assuming that the default value of the ratio of the worker is 50% cash, the slider of the slide bar is displayed at the center position of the bar, and the ratio input field of cash and electronic money a is displayed.
Cash: 50%
Electronic money: 50%
Is displayed.

If the ratio is OK, the worker operates the user terminal 16 and transmits the request data as it is to the labor data processing computer 12.

Workers move the slider left or right if they want to adjust the default ratio. The position of the slider is linked to the value of the ratio. Moving the slider to the left decreases the cash ratio, and conversely moving it to the right increases the cash ratio.

FIG. 29 shows a case where a worker moves the slider to the left to reduce the cash ratio. The slider moves to the left from the center position indicated by the broken line in the figure, and in conjunction with this, the ratio input field is displayed.
Cash: 30%
Electronic money: 70%
Is displayed.

In FIGS. 28 and 29, the ratio is displayed in%, but the ratio may be displayed in monetary terms.

FIG. 30 shows a case where the ratio is displayed in monetary terms. If the application amount is 50,000 yen, 50% of the cash will be 25,000 yen.
Cash: 25,000 yen Electronic money: 25,000 yen is displayed.

In FIG. 28, the default value of the ratio is set to 50%, but as described above, since the history of the ratio is different for each worker, the default value of the ratio may be different for each worker.

FIG. 31 is a display example when another worker logs in. The slider is located on the far right of the bar, not in the center, and in the ratio input field,
Cash: 100%
Electronic money: 0%
Is displayed. In the case of a worker who has a relatively large amount of 100% cash as a past ratio, the trouble of operating the slide bar each time can be saved, and the ratio can be quickly set and transmitted to the labor data processing computer 12.

FIG. 32 is a display example when another worker logs in. The slider is located to the left of the center from the beginning, and in the ratio input field,
Cash: 30%
Electronic money: 70%
Is displayed. In the case of a worker who has a relatively large amount of cash of 30% as a past ratio, the trouble of operating the slide bar each time can be saved, and the ratio can be quickly set and transmitted to the labor data processing computer 12.

In addition, in FIGS. 23 to 27,
・ Cash / e-commerce a
・ Electronic money b
-The case where one or two of the labor values are selected is shown, but either two may include the selection of electronic money a and electronic money b, or electronic money a and labor value. Further, the selection of any three, for example, cash, electronic money a and electronic money b, may be allowed. In this case, the ratio can be adjusted using a plurality of slide bars or Gibbs triangles.

Next, the labor value will be explained.

When a worker receives an in-house loan as cash, he / she can receive it by transferring it to his / her bank account by transfer processing by the labor data processing computer 12 and then withdrawing it from the bank account. On the other hand, the labor value is data having a value equivalent to cash, and can be applied as it is as the purchase price of goods and services on the premise that the seller accepts the settlement by the labor value. Therefore, cash is not required to purchase goods and services based on labor value, and workers do not need their own bank account (however, a bank account is required to transfer the salary balance after deducting the loan).

FIG. 33 shows the flow of data in chronological order when a worker desires an in-house loan based on labor value.

I: Labor provision First, the worker who is the user of the user terminal 16 provides labor to the employer based on the labor contract. The company computer 10 managed by the employer inputs and stores the labor data of the worker.

II: Labor data transmission Next, the company computer 10 transmits the labor data to the labor data processing computer 12. The timing of transmission is arbitrary, and may be transmitted every day or at regular intervals.

III: Request Next, the worker operates the user terminal 16 to send an in-house loan request to the labor data processing computer. When the labor data processing computer 12 receives the request, the labor data processing computer 12 refers to the user table of the worker, confirms the salary balance of the worker on the day when the request is received, sends the request to the user terminal 16, and also refers to the ratio table. Then, the default value of the ratio obtained from the past ratio history of the worker is transmitted. At this time, the worker selects 100% labor value as the breakdown of the loan.

IV: Labor value transmission When the breakdown of the request data from the user terminal 16 is the labor value, the labor data processing computer 12 transmits the labor value data corresponding to the request amount. The labor value management module of the user terminal 16 processes labor value data from the labor data processing computer 12 and executes labor value charge processing.

V: Salary balance transfer On the predetermined salary payment date, the labor data processing computer 12 creates a transfer table for the remaining salary balance obtained by subtracting the amount of the in-house loan from the worker's salary and transfers it to the worker's bank account. ..

Unlike the case of FIG. 15, the labor data processing computer 12 does not request the payment computer 14 to issue electronic money, and the processing is completed by transmitting / receiving data between the labor data processing computer 12 and the user terminal 16.

In the present embodiment, the ratio is input by the slide bar, but it may be simply a selection menu in which at least one of cash and electronic money can be selected. In this case, it can be said that the selection data is transmitted as the request data instead of the ratio data. The selection data can also be interpreted as a specific case of ratio data (100% cash and 0% e-commerce, or 0% cash and 100% e-commerce).

FIG. 34 shows another application screen example displayed in S204. As a usage application, a selection menu that allows you to select either "wallet" or "prepayment" is displayed. "Wallet" generally refers to a virtual and conceptual place to store assets in the fields of online banking, cryptocurrencies and cryptocurrencies. Workers can store e-commerce data in this wallet. When the worker selects this "wallet", the wallet application is launched and the current electronic commerce balance etc. are displayed. The worker confirms the current electronic commerce balance, etc. by visually recognizing this screen.

On the other hand, "prepayment" is a menu when using the in-house loan of the present embodiment, and when the worker selects this "prepayment", the available amount is displayed. The available amount is the range of the total salary of the worker at the time of the in-house loan request (the amount after deducting the loan amount if the loan has already been executed), which is managed by the user table shown in FIG. The amount within. If the company that employs the worker determines the range in which the loan can be used, it is within that range (for example, 70% of the total salary). In the figure, "¥ 50,000" is displayed as the available amount. When a worker uses prepaid, that is, an in-house loan, he / she confirms the available amount and then presses the "use" button.

FIG. 35 shows an example of a screen displayed when a worker presses the “use” button in FIG. 34. The terms of use when using the in-house loan of this embodiment are displayed. Specifically, the terms of use are that the loan is made as an internal delivery of salary payment, the interest rate of the loan is 0%, the transfer fee is borne by the user, that is, the worker, and the loan is made. It is stipulated that the repayment of the repayment shall be made by deducting it from the paid salary. Also, considering that it is a loan, a "minor" button is displayed in case the worker is a minor. If the worker is a minor and the "minor" button is pressed, the screen for obtaining the consent of the parent or guardian is displayed. If the worker is not a minor, select and press either the "Agree" button or the "Disagree" button. Workers who agree to the agreement press the "Agree" button.

FIG. 36 shows an example of a screen displayed when the worker presses the “agreement” button in FIG. 35. The available amount will be displayed again along with the transfer timing. In addition, "app wallet" and "payroll account" are displayed as a withdrawal destination selection menu. Here, the "app wallet" is a menu to be selected when receiving benefits as electronic money. In addition, the "salary transfer account" is a menu to be selected when receiving a cash benefit. In either case, the loan is provided as an in-house loan under predetermined interest rate conditions. The worker chooses either "app wallet" or "payroll account". By selecting "App wallet" in the first operation and selecting "Payroll account" in the subsequent second operation, both electronic money and cash can be selected as a result. .. When "App wallet" is selected, electronic money selection data will be sent, and when "Payroll account" is selected, cash selection data will be sent.

FIG. 37 shows an example of a screen displayed when a worker selects the “app wallet” in FIG. 36 and presses the “use” button. An input field for the requested amount of electronic money is displayed, and the requested amount is input by appropriately pressing the amount adjustment buttons such as "+11,000", "+5,000", and "+10,000". In addition to the request amount input field, the transfer amount (same as the request amount), fee, total application amount, and transfer timing are displayed. The transfer timing is an arbitrary timing before the predetermined payday, and is the day when the worker applies for use using the screen, or the day when the processing in the system is completed (for example, the day after the use application date). After confirming the requested amount, fee, application amount, and transfer timing, the worker presses the "apply" button.

FIG. 38 shows an example of a screen displayed when the “apply” button is pressed in FIG. 37. The fact that the application has been completed and the amount of electronic money transferred will be displayed. After the transfer timing, when the worker activates the wallet of the application and checks the electronic money balance, the amount applied for this time will be newly added.

As described above, in the present embodiment, the worker can receive an in-house loan at a predetermined interest rate according to his / her labor record, and can also receive a loan in various forms. In the present embodiment, the worker can receive cash or electronic money as an in-house loan at any time before the predetermined payday, so that the salary is substantially cashed or at any time before the predetermined payday. It can be received in the desired form of electronic money. Payroll payments require payroll deductions such as tax calculations, but deductions of this nature can be deducted from the available amount data in advance. In addition, for minors, for example, by making it mandatory to register the date of birth and requiring the consent of the parent or guardian, smooth use is possible.

In this embodiment, the worker is linked to his / her own labor record and receives an in-house loan as long as he / she does not deviate significantly from the range of his / her own labor record. You can use the system. In addition, the employer can accurately respond to the various benefits demands of workers.

In this embodiment, it is also possible for a worker to receive the entire amount of his / her salary as an in-house loan in the form of electronic money.

10 Corporate computer, 12 Labor data processing computer, 14 Payment computer, 16 User terminal, 18 Seller terminal, 20 Communication network.

Claims (18)

Workers' terminals and
A loan device connected to the worker's terminal so that data can be sent and received,
A payment device connected to the user terminal and the loan device so as to be able to send and receive data,
It is an in-house loan system linked to the labor record of
The terminal used by the worker
A request data transmission means for transmitting request data including request amount data and ratio data of cash amount and electronic money amount to the loan device at an arbitrary timing is provided.
The financing device is
An input means for inputting the request data transmitted from the user terminal of the worker, and
A storage means for storing the worker's daily salary data and
Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data for which the loan has already been executed to the worker from the cumulative data. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the above period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. Then, when the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount specified in the ratio data is financed to the worker under predetermined interest rate conditions. The transfer data for the purpose is created and output, and the electronic money amount specified by the ratio data is charged to the user terminal of the worker in order to lend to the worker under a predetermined interest rate condition. Creates electronic money issuance request data for the purpose and outputs it to the payment device, and refuses to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data. Processing means and
A means of transferring the cash amount to the worker's account based on the transfer data, and
Equipped with
The payment device is
An electronic money processing means that issues electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the loan device and charges the user terminal of the worker.
An in-house loan system linked to labor performance. In the in-house loan system linked to the labor performance described in claim 1,
The terminal used by the worker
A default value input means for inputting a default value of the ratio data from the loan device, and
A display means for displaying the default value of the ratio data, and
An operating means in which the worker can adjust the default value,
Equipped with
The financing device is
A ratio data storage means for storing the history of the ratio data input from the user terminal of the worker in association with the worker.
An adjusting means for adjusting the default value of the ratio of the worker using the history of the ratio data, a default value transmitting means for transmitting the default value of the adjusted ratio to the user terminal of the worker, and the like.
An in-house loan system linked to labor performance. In the in-house loan system linked to the labor record described in any one of claims 1 and 2.
The amount of electronic money includes the amount of labor value,
When the labor value amount specified by the ratio data is not 0, the processing means performs the labor to finance the labor value amount specified by the ratio data to the worker under a predetermined interest rate condition. An in-house financing system linked to labor performance that creates labor value data for charging a worker's terminal and outputs it to the worker's terminal. An input means for inputting request amount data and request data including ratio data of cash amount and electronic money amount from a worker's terminal.
A storage means for storing the worker's daily salary data and
Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data already paid to the worker from the cumulative data is calculated. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. If the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount specified in the ratio data is financed to the worker under predetermined interest rate conditions. To create and output transfer data for the purpose, and to charge the worker's terminal to finance the electronic money amount specified by the ratio data to the worker under predetermined interest rate conditions. A processing means for creating and outputting the electronic money issuance request data of the above, and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data.
A means of transferring the cash amount to the worker's account based on the transfer data, and
An in-house loan device linked to the labor record of having. In the in-house loan device linked to the labor performance described in claim 4,
A ratio data storage means for storing the history of the ratio data input from the user terminal of the worker in association with the worker.
An adjustment means for adjusting the default value of the worker's ratio using the history of the ratio data, and
A transmission means for transmitting the default value of the adjusted ratio to the user terminal of the worker, and
An in-house loan device linked to the labor record of having. In the in-house loan device linked to the labor record described in any of claims 4 and 5.
The amount of electronic money includes the amount of labor value,
The processing means creates labor value data for charging the worker's terminal to use the labor value specified by the ratio data when the labor value specified by the ratio data is not 0. An in-house loan device linked to labor performance. To the processor of the computer
Steps to input request amount data and request data including cash amount and electronic money amount ratio data from the worker's terminal,
The step of storing the worker's daily salary data in the storage means,
Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data already paid to the worker from the cumulative data is calculated. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. If the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount specified in the ratio data is financed to the worker under predetermined interest rate conditions. To create and output transfer data for the purpose, and to charge the worker's terminal to finance the electronic money amount specified by the ratio data to the worker under predetermined interest rate conditions. A step of creating and outputting the electronic money issuance request data of the above, and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data.
The step of transferring the cash amount to the worker's account based on the transfer data,
A program to execute. In the program of claim 7, further
A step of associating the history of the ratio data input from the user terminal of the worker with the worker and storing it in the storage means.
The step of adjusting the default value of the ratio of the worker using the history of the ratio data,
A step of transmitting the default value of the adjusted ratio to the user terminal of the worker, and
A program to execute. In the program according to any one of claims 7 and 8, further
The amount of electronic money includes the amount of labor value,
When the labor value amount specified by the ratio data is not 0, a step of creating and outputting labor value data for charging the worker's terminal to use the labor value amount specified by the ratio data. Program to execute. To the processor of the computer
The step of inputting the default value of the available amount data from the loan device and the ratio data of the cash amount and the electronic money amount,
A step of displaying the available amount and the default value of the ratio data on the display means,
A step to create request data including request amount data and ratio data of cash amount and electronic money amount according to the operation from the operation unit, and
The step of transmitting the request data to the financing device, and
A step of receiving electronic commerce data of the electronic commerce amount specified by the ratio data from the payment device and performing charge processing.
A program to execute. In the program of claim 10, further
The amount of electronic money includes the amount of labor value,
When the labor value amount specified by the ratio data is not 0, a program that receives labor value data of the labor value amount specified by the ratio data from the in-house financing device and executes a step of charging. Enter the request amount data and the request data including the ratio data of the cash amount and the electronic money amount from the worker's terminal.
Cumulative data for the period from the predetermined start date of the worker's daily salary data to the date when the request data is input is calculated.
The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the period of the amount data already paid to the worker from the cumulative data.
The amount specified by the request amount data and the amount specified by the available amount data are compared in size.
To lend the cash amount specified in the ratio data to the worker under predetermined interest rate conditions when the amount specified in the request amount data does not exceed the amount specified in the available amount data. To create and output the transfer data of the above, and to charge the user terminal of the worker to lend the electronic money amount specified by the ratio data to the worker under a predetermined interest rate condition. The electronic money issuance request data is created and output, and when the amount specified by the request amount data exceeds the amount specified by the available amount data, the creation of the transfer data is refused.
Transfer the cash amount to the worker's account based on the transfer data.
An in-house loan method linked to labor performance. In the in-house financing method linked to the labor performance described in claim 12, further
The history of the ratio data is associated with the worker and stored in the storage means.
Adjust the default value of the worker's ratio using the history of the ratio data,
Sending the default value of the adjusted ratio to the user terminal of the worker,
An in-house loan method linked to labor performance. In the in-house financing method linked to the labor record described in any of claims 12 and 13, further
The amount of electronic money includes the amount of labor value,
When the labor value amount specified by the ratio data is not 0, the worker's terminal used to finance the labor value amount specified by the ratio data to the worker under a predetermined interest rate condition. Create and output labor value data for charging to
An in-house loan method linked to labor performance. Workers' terminals and
A loan device connected to the worker's terminal so that data can be sent and received,
A payment device connected to the user terminal and the loan device so as to be able to send and receive data,
It is an in-house loan system linked to the labor record of
The terminal used by the worker
A request data transmission means for transmitting request data including request amount data and selection data of cash amount and electronic money amount to the loan device at an arbitrary timing is provided.
The financing device is
An input means for inputting the request data transmitted from the user terminal of the worker, and
A storage means for storing the worker's daily salary data and
Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data for which the loan has already been executed to the worker from the cumulative data. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the above period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. Then, if the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount selected in the selection data is financed to the worker under predetermined interest rate conditions. To create and output transfer data for the purpose of charging the worker's terminal to finance the electronic money amount selected in the selection data to the worker under predetermined interest rate conditions. A processing means that creates electronic money issuance request data, outputs it to the payment device, and refuses to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data. When,
A means of transferring the cash amount to the worker's account based on the transfer data, and
Equipped with
The payment device is
An electronic money processing means that issues electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the loan device and charges the user terminal of the worker.
An in-house loan system linked to labor performance. An input means for inputting request amount data and request data including selection data of cash amount and electronic money amount from a worker's terminal.
A storage means for storing the worker's daily salary data and
Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data already paid to the worker from the cumulative data is calculated. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. If the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount selected in the selection data is financed to the worker under predetermined interest rate conditions. To create and output transfer data for the above, and to charge the worker's terminal to finance the electronic money amount selected in the selection data to the worker under predetermined interest rate conditions. A processing means for creating and outputting money issuance request data and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data.
A means of transferring the cash amount to the worker's account based on the transfer data, and
An in-house loan device linked to the labor record of having. To the processor of the computer
The step of inputting the request amount data and the request data including the selection data of the cash amount and the electronic money amount from the worker's terminal,
The step of storing the worker's daily salary data in the storage means,
Cumulative data for the period from the predetermined start date of the daily salary data of the worker stored in the storage means to the date when the request data is input is calculated, and the amount data already paid to the worker from the cumulative data is calculated. The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the period, and the amount specified by the request amount data and the amount specified by the available amount data are compared in size. If the amount specified in the request amount data does not exceed the amount specified in the available amount data, the cash amount specified in the selection data is financed to the worker under predetermined interest rate conditions. To create and output transfer data for the above, and to charge the worker's terminal to finance the electronic money amount specified by the selection data to the worker under predetermined interest rate conditions. A step of creating and outputting money issuance request data, and refusing to create the transfer data when the amount specified by the request amount data exceeds the amount specified by the available amount data.
The step of transferring the cash amount to the worker's account based on the transfer data,
A program to execute. Enter the request amount data and the request data including the selection data of the cash amount and the electronic money amount from the worker's terminal.
Cumulative data for the period from the predetermined start date of the worker's daily salary data to the date when the request data is input is calculated.
The available amount data is calculated based on the amount data obtained by subtracting the cumulative data in the period of the amount data already paid to the worker from the cumulative data.
The amount specified by the request amount data and the amount specified by the available amount data are compared in size.
To lend the cash amount selected in the selection data to the worker under predetermined interest rate conditions when the amount specified in the request amount data does not exceed the amount specified in the available amount data. Electronic money for creating and outputting the transfer data of the above, and charging the worker's terminal to finance the electronic money amount selected in the selection data to the worker under predetermined interest rate conditions. The issue request data is created and output, and if the amount specified by the request amount data exceeds the amount specified by the available amount data, the creation of the transfer data is refused.
Transfer the cash amount to the worker's account based on the transfer data.
An in-house loan method linked to labor performance.

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