JP2022151873A - Information processing device and information processing method - Google Patents

Abstract

To provide an information processing device and an information processing method which can achieve convenient pre-paid service.SOLUTION: An information processing device 2 that enables pre-payment of paying a compensation before a payment scheduled day includes an acquisition unit 21 for acquiring attendance information on a payment object person receiving payment of the compensation, a reception unit 22 for receiving a request of pre-payment from the payment object person, and an execution unit 24 for executing the pre-payment based on the attendance information and the pre-payment request, wherein the execution unit 24 executes payment for an amount of a residual compensation on the payment scheduled day when the amount of the pre-paid compensation does not satisfy the total amount of the compensation to be paid on the payment scheduled day.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to an information processing device and an information processing method.

A prepayment system is known in which a certain amount of money for an employee's work can be withdrawn before the payday. By using the prepayment system, employers can reduce the turnover rate of their employees, and employees can also use the fixed amount for sudden expenses, etc. , part-time workers, part-time employees, etc.

The Tokyo Tomin Bank, Ltd. provides a "prepaid system" as part of its banking services. You can easily apply for the "advance payment system" from a PC or the like. When the "advance payment system" is used, the employee's salary will be transferred to the bank account for receiving the employee's salary on the next day at the earliest. The amount will be transferred to your bank account.

A salary advance payment service that realizes the above-mentioned "advance payment system" by a bank computer is described in Patent Document 1, for example. According to the technology described in Patent Document 1, it is possible to pay an amount that does not exceed the salary payable amount based on the work performance at any timing desired by the employee. That is, it is possible to prepay salaries to employees in a form desired by the employees.

JP-A-2004-265369

However, the above system has the problem that it does not provide a user-friendly prepayment service.

Therefore, an object of the present disclosure is to provide an information processing apparatus and an information processing method that can realize a user-friendly prepaid service.

One aspect provides the following solutions.

(1) An information processing device capable of prepaying a consideration before the scheduled payment date, wherein an acquisition unit acquires consideration calculation information of a payee who receives the payment of the consideration; It is characterized by comprising a reception unit that receives a request for advance payment, and an execution unit that executes the advance payment based on the price calculation information and the request.

(2) In the configuration of (1) above, when the amount of the consideration paid in advance is less than the total amount of the consideration to be paid on the scheduled payment date, the execution unit performs the payment schedule for the remaining amount of the consideration. It is characterized by executing payment on a daily basis.

(3) In the configuration of (1) or (2) above, the advance payment includes advance payment by loan.

(4) In any one of the configurations (1) to (3) above, the prepayment includes transfer to a bank account, charge to electronic money, issuance of a prepaid card, charge, payment by automatic teller machine, family , friends and acquaintances.

(5) In any one of the configurations (1) to (4) above, the compensation includes remuneration, wages, salaries, bonuses, allowances and expenses.

(6) In any one of the configurations (1) to (5) above, the execution unit executes only the prepayment approved by an approver who approves the prepayment.

(7) In any one of the above configurations (1) to (6), the execution unit executes the advance payment after a predetermined cancelable period has elapsed after deciding to execute the advance payment. and

(8) In any one of the above configurations (1) to (7), a reservation unit for accepting advance reservations for the advance payment is provided, and the execution unit executes the advance payment according to the advance reservation status by the reservation unit. characterized by

(9) In the configuration of (8) above, the reservation section is characterized by accepting a plurality of advance reservations until the scheduled payment date.

(10) In the above configuration (8) or (9), the reservation section is characterized by accepting a plurality of advance reservations with different payment methods.

(11) The information processing apparatus according to any one of (1) to (10) above is characterized by comprising a single server or a plurality of servers.

(12) An information processing method that allows payment in advance to be made before the scheduled payment date, comprising: an acquisition step of acquiring information for calculating a consideration of a payee who receives payment of the consideration; a receiving step of receiving a request for prepayment; and an executing step of executing the prepayment based on the consideration calculation information and the request. is less than the total amount of consideration to be paid to the third party, the remaining amount of consideration is paid on the scheduled payment date.

According to the present disclosure, it is possible to provide an information processing apparatus and an information processing method capable of realizing a user-friendly prepaid service.

It is a figure which shows the information processing system of embodiment of this invention. FIG. 10 is a diagram showing setting screens for a service provider person in charge, an introduced company person in charge, and an introduced company employee; It is a figure which shows the basic information registration procedure to an information processing apparatus. It is a figure which shows an example of the information set to information processing apparatus. FIG. 10 is a diagram showing an example of a service provision screen (including prepayment application) for employees of an introducing company; It is a figure which shows the payment processing procedure of an information processing apparatus (execution part). It is a figure which shows the processing procedure of advance payment and salary payment in an information processing system.

EMBODIMENT OF THE INVENTION Hereinafter, with reference to an accompanying drawing, the form (henceforth, embodiment) for implementing this invention is demonstrated in detail. The same numbers or symbols are given to the same elements throughout the description of the embodiment.

(information processing system)
As shown in FIG. 1, an information processing system 1 includes an information processing device 2, a service provider terminal 3, a company terminal 4, an employee terminal 5, a personnel and labor server 6, a financial institution server 7, and a network. 8 and .

The information processing device 2 is composed of a single server or a plurality of servers, and provides prepayment/salary payment services to companies that have introduced the information processing device 2 . The service provider terminal 3 is a terminal used by a service provider that provides prepayment/salary payment services to introducing companies. The company terminal 4 is a terminal used by a company that has introduced the prepayment/salary payment service. The employee terminal 5 is a terminal used by an employee who works for a company that has introduced the prepayment/salary payment service. The personnel and labor server 6 is a server that provides personnel and labor services to companies that have introduced prepayment/salary payment services. The financial institution server 7 is a server that receives instructions for bank transfers and electronic money charges. The network 8 connects the information processing device 2, the service provider terminal 3, the company terminal 4, the employee terminal 5, the personnel labor server 6, and the financial institution server 7 so as to be able to communicate with each other. In the drawings, the prepayment/salary payment service may be referred to as "FUKUPE".

The prepayment/salary payment service provided by the information processing device 2 not only enables prepayment of the consideration for labor before the scheduled payment date, If the amount is not met, the payment is made on the scheduled payment date for the remaining consideration amount. Therefore, companies that have introduced such prepayment/salary payment services will be able to pay salaries in advance to employees and pay salaries after deducting the prepaid amount without building their own systems.

The compensation for the above labor includes remuneration, wages, salaries, bonuses, allowances, and expenses. Advance payments may also include advance payments on loans. In addition, advance payment and payment on the scheduled payment date can be transferred to a bank account, charged to electronic money, issued or charged to a prepaid card, paid using an automated teller machine (ATM), and sent to family, friends, or acquaintances. and so on.

(Functional configuration of information processing device)
The information processing apparatus 2 includes an acquisition unit 21, a reception unit 22, a reservation unit 23, an execution unit 24, and a database 25 as functional configurations realized by cooperation of hardware and software.

The acquisition unit 21 acquires basic information and setting information of companies that introduce the prepayment/salary payment service, and registers them in the database 25 . For example, a person in charge of a service provider that provides a prepaid/salary payment service (hereinafter also referred to as a person in charge of the service provider) accepts an application for introduction of the prepaid/salary payment service from a company. to access the information processing device 2 (URL for service provider login). The obtaining unit 21 receiving this displays a login screen G11 for the service provider, as shown in the upper part of FIG. 2, and displays an introduced company registration screen G12 when the login is successful. The person in charge of the service provider registers the basic information of the introducing company on this screen (step S101 in FIG. 3). The basic information of the introduced company includes, for example, company ID, company name, company name in kana, representative name, representative name in kana, location, and the like. After the basic information of the introduced company is registered by the person in charge of the service provider, the acquisition unit 21 causes the service provider terminal 3 to continue to display various setting screens G13 and G14, so that the person in charge of the introduced company notifies the login information for the introducing company (step S102 in FIG. 3). The person in charge of the introducing company who has received this notification accesses the information processing device 2 (URL for logging in to the introducing company) from the company terminal 4 . The obtaining unit 21 receiving this displays the login screen G21 for the introducing company, and when the login succeeds, various setting screens G22 and G23 are displayed. Setting information that can be set on the setting screens G13, G14, G22, and G23 will be described later.

As shown in FIG. 3, after the processing of steps S101 and S102 is completed, the acquiring unit 21 conducts a credit information investigation of the introduced company in order to prevent abuse and money laundering by anti-social forces (step S103). The result is registered in the database 25 as a credit information database. Further, the acquiring unit 21 connects to the personnel system, attendance system, and payroll system of the introduced company included in the personnel labor server 6 (step S104), and then acquires the employee ledger from these systems (step S105). ). After that, the obtaining unit 21 conducts a credit information investigation of the employee in order to prevent abuse and money laundering by anti-social forces (step S106), and registers the result in the database 25 as a credit information database. After obtaining the employee ledger, the obtaining unit 21 obtains attendance information from the attendance system (step S107) and salary information from the payroll system (step S108). Thus, the registration processing of the basic information of the introduced company by the acquiring unit 21 is completed. The acquisition unit 21 periodically accesses the personnel labor server 6 and updates the attendance information and salary information of the introducing company to the latest ones.

As shown in the upper part of FIG. 2, the acquisition unit 21 causes the service provider terminal 3 to display a setting screen G13 and requests the company to select a function to be used. The functions that can be selected here are the prepayment function and the payroll function, and it is assumed in this embodiment that both functions are selected. Further, when a function is selected, the acquisition unit 21 requests settings such as a payment method on the setting screen G14.

Further, as shown in the middle part of FIG. 2, when the person in charge of the service provider activates the prepayment function, the acquisition unit 21 displays a setting screen G22 on the company terminal 4 to request usage settings regarding the prepayment function. Furthermore, when the person in charge of the service provider activates the salary payment function, the acquisition unit 21 displays a setting screen G23 on the company terminal 4 to request usage settings regarding the salary payment function. Items that can be set here include, for example, payment upper limit setting, payment type setting, payment approval setting, etc., as shown in FIG. In the payment limit setting, the maximum payment amount for hourly wages, the maximum payment amount for daily wages, the maximum payment amount for monthly wages, and the maximum payment amount for extended payment (payment in installments, payment on a specified day, payment on a specified date, etc.) etc. can be set. In the payment type setting, cash payment, account transfer payment, electronic money payment (including prepaid card), etc. can be set. In the payment approval setting, it is possible to set each time approval, immediate approval, timed approval, omission of approval, multi-factor approval, etc. for advance payment and salary payment. As the approver for advance payment and salary payment, any approver can be set in addition to the person in charge of the introducing company, the employee who is the recipient of the payment. Immediate approval may be achieved, for example, by performing an immediate prepayment from the employee's application. In addition, timed approval means that payment is executed after a predetermined cancellation period has passed after deciding to execute payment, and if an error is found in the payment destination, payment amount, etc. Payment execution can be stopped.

The reception unit 22 receives a request for prepayment from an employee who is to be paid. For example, as shown in FIG. 5, by tapping the advance payment button B on the menu screen MG (employee terminal 5) of the comprehensive service provided by the service provider, the advance payment application screen G31 shown in the lower part of FIG. 2 is displayed. is displayed. The reception unit 22 acquires the advance payment application information input on this screen. The prepayment application information includes, for example, a desired prepayment date, a desired prepayment amount, and a payment method (bank account transfer, electronic money charge, etc.).

In addition, as shown in the lower part of FIG. 2, the reception unit 22 sends a salary payment notification mail to the employee before the scheduled salary payment date. When the employee who receives this accesses the URL included in the salary payment notification mail from the employee terminal 5, the salary ratio setting screen G32 is displayed. On this screen, you can set how you want to receive your salary this time. becomes possible.

The reservation unit 23 accepts a prepaid advance reservation from an employee of the introducing company. In addition, the reservation unit 23 can accept not only a plurality of advance reservations until the scheduled date of payment, but also a plurality of advance reservations with different payment methods. For example, if the salary is paid on the 25th of every month, 50,000 yen will be received by electronic money charge on the 5th of each month, 50,000 yen will be received by bank transfer on the 15th of each month, and the salary on the 25th of each month will be 70. Reservation information such as wanting to receive % by bank transfer and 30% by electronic money charge is accepted.

The execution unit 24 executes advance payment in response to the advance payment application from the employee, and if the amount of advance payment is less than the total amount of salary to be paid on the scheduled payment date, executes payment of the remaining amount on the scheduled payment date. . These payments are approved by the method set in the approval settings, and only payments approved by the approver are executed. Further, when there is an advance reservation for prepayment by the reservation section 23, the execution section 24 executes the advance payment based on the reservation information. A specific processing procedure of the execution unit 24 will be described below with reference to FIG.

As shown in FIG. 6, the execution unit 24 determines whether or not there is a payment to be made on the day based on the advance payment application information, advance payment reservation information, salary payment information, etc. registered in the database 25 (step S201). If the determination result is YES, the execution unit 24 acquires setting information such as payment destination information, payment method, and approval method for each payment from the database 25 (step S202). Also, the execution unit 24 acquires the attendance information of the employee who is the payee from the database 25 (or the personnel labor server 6) (step S203). After that, the execution unit 24 confirms the actual working conditions based on the attendance information (or confirms based on the credit information) (step S204), and then confirms the remittance (step S205). This remittance confirmation is performed by a preset approval method. When the payment is approved, the execution unit 24 executes remittance processing of a predetermined amount using the set payment method (step S206), and notifies the remittance recipient employee and the introduction company where the remittance is made (step S206). step S207).

(Processing procedure of information processing system)
Next, a processing procedure for advance payment and salary payment in the information processing system 1 will be described with reference to FIG.

As shown in FIG. 7, the information processing device 2 acquires personnel information, attendance information, and salary information of the introducing company from the personnel labor server 6 (step S301). This acquisition process is performed periodically, and the acquired information is updated as needed. When an employee of the introducing company wishes to pay in advance, the employee applies for advance payment to the information processing device 2 from the employee terminal 5 (step S302). When receiving the advance payment application, the information processing device 2 confirms the actual working conditions of the employee based on the attendance information, and approves it by a preset approval method (step S303). When the confirmation and approval in step S303 are completed normally, the information processing device 2 executes advance payment using a preset payment method (step S304), and sends advance payment to the employee terminal 5, company terminal 4, and personnel labor server 6. The execution is notified (step S305).

When the closing date for payroll calculation comes, the introducing company transmits monthly attendance information to the personnel labor server 6 (step S306), and instructs execution of payroll calculation (step S307). The personnel and labor server 6 that receives this executes payroll calculation based on the attendance information and the like (step S308). The information processing device 2 acquires the pay statement from the personnel/labor server 6 (step S309), and transmits a salary decision notice to the employee (step S310). The employee who has received the salary determination notice accesses the information processing device 2 and sets the payment method (such as bank account transfer amount and electronic money charge amount setting) (step S311).

When the salary payment execution instruction date comes, the information processing device 2 confirms the actual working conditions of the employee based on the attendance information, and approves it by a preset approval method (step S312). When the confirmation and approval in step S312 are completed normally, the information processing device 2 executes salary payment using a preset payment method (step S313), A notification that the payment has been made is sent (step S314). After that, the information processing device 2 bills the payment amount and the fee to a preset billing destination (company terminal 4, personnel labor server 6, etc.) (step S315). Note that the billing in step S315 includes a billing for the amount paid by the service provider and a deposit bill for deducting the billed amount from the deposit paid in advance to the service provider.

Although the embodiment has been described in detail above, it is not limited to a specific embodiment, and various modifications and changes are possible within the scope described in the claims. It is also possible to combine all or more of the constituent elements of the above-described embodiments.

For example, the information processing apparatus and information processing method of the present invention can also be used in a metaverse (a three-dimensional virtual space in which users can freely move around via avatars). In the case of the metaverse, labor may be labor in the metaverse or actual labor. In the case of the Metaverse, payments may be made in virtual currency, NFTs (Non-Fungible Tokens), etc., and remittances, etc., can be managed by blockchain. In addition, in the Metaverse, when prepaying a loan, the credit information (credit information) that determines whether or not the prepayment is possible and the amount can be based on the personal information of the person in reality, or can be based on the Metaverse (virtual space). personal information (eg, a credit score associated with the avatar). In addition, whether or not advance payment is possible and the amount may be determined using big data. For example, the possibility of non-stickiness can be reduced by determining whether or not advance payment is possible and the amount in consideration of various payment situations (payment of utility bills, etc.).

Compensation includes not only compensation for labor but also compensation for goods and deliverables. Also, the scheduled payment date may be fixed, such as once a month, or may be arbitrarily set by the user. Ultimately, daily payments may be configurable. Further, the prepayment request for consideration may be automatically generated based on the user's manual setting in advance.

The information processing device may allow the introducing company to set a stock amount in advance to set a stock amount for seizure of overpaid salaries and advance collection of the deducted amount. If a stock amount is set, the amount that can be prepaid can be determined based on the stock amount. For example, prepayment applications for amounts exceeding the stock amount may be prohibited or allowed.

Further, the information processing device can have an advance payment application stop processing function for stopping acceptance of the advance payment application according to the result of the anti-social forces check or emergency measures in the event of an emergency. For example, when an application stop signal is received from the outside, acceptance of prepayment applications is automatically stopped. In addition, suspension of prepayment application can be performed for each employee, for each introducing company, or for all introducing companies, and automatic suspension can be performed instead of manual suspension. It is also desirable to automatically cancel the suspension according to a predetermined condition. For example, it is assumed that judgments are made in cooperation with an external system such as an AI server, and that advance payment applications are automatically suspended or suspended.

In addition, in the embodiment, the payment amount such as salary is calculated based on the monthly attendance information, but the payment amount is calculated based on the daily attendance information and the weekly attendance information according to the setting of the closing date. You may do so. In other words, the payment amount can be calculated based on attendance information for a predetermined period.

In addition, in the embodiment, notification of salary determination is performed, but notification of salary determination may not be performed, and either of them may be set. In the embodiment, the payment method such as prepayment and salary can be set in advance, but it may be set for each payment.

Moreover, the above-described embodiments can also be applied to a lending service that helps people who live seriously and correctly. For example, the above-described embodiments can also be applied to interpersonal micro-lending, in which wages for work are lent to people in need.

By the way, even non-regular workers, single mothers, and others who work diligently from morning to night find it difficult to obtain credit and borrow money smoothly when they need it, making it difficult to get out of the cycle of poverty. It is continuing. In this regard, many people can be saved if micro-lending between individuals, in which workers can immediately access funds equivalent to their salaries generated from their work performance and lend them to those in need, can be achieved.

The above-described embodiments can be applied to give liquidity to the accumulated labor compensation (salaries) and deliver smooth micro-lending to people in need. For example, a worker A (e.g., an employee of an introduced company) works for one week and receives a salary advance payment of 50,000 yen, which is full of the upper limit (e.g., the upper limit of payment), from the employer (e.g., an introduced company). However, if you need another 20,000 yen right now, borrow 20,000 yen from a third party (for example, a third party unrelated to the introducing company). At that time, the third party's source of funds may be an amount equivalent to the salary (salary prepayment limit) that has already been worked and is scheduled to be received on the pay day at the end of the month. If a third party decides to lend to worker A, the advance payment business operator (for example, a service business operator) may pay for it. The prepaid business operator collects the advance payment on payday of the third party. A third party may collect from worker A in due time.

Also, for example, when worker A works for one month and receives salary advance payment from the employer up to the upper limit, if additional borrowing is required, the worker borrows money from a third party. The third party's source of funds is the amount equivalent to the salary that has already been worked and is scheduled to be received on the payday at the end of the month (salary prepayment quota), or even if the salary is immediately received (the prepayment quota is zero), a special quota will be established and within that range. In this case, the prepaid business operator may pay the advance. The special quota may be set in any manner, but may be set based on, for example, the credit score of worker A and a third party. In this case, the prepaid business operator may collect the reimbursement from future labor of the third party (collection each time or on the next payday). Also, a third party may collect from worker A at an appropriate timing. It is also possible to collect in installments, and in the case of each time collection or divided collection, it may be possible to reserve a date (5th, 10th, 15th, etc.).

In this case, the lender decides the amount to be lent within the amount equivalent to his or her salary, referring to the borrower's work record, credit score, repayment record, etc. you can The borrower may repay or offset from the actual work performance of the current month or the next month. Voluntary repayment by the borrower, or automatic offsetting. In addition, repayment can be made voluntarily or in installments, in which case it may be possible to reserve a date (5th, 10th, 15th, etc.). In this way, the borrower can build a track record of repayment and improve creditworthiness by repaying the loan properly. Note that one person can lend to multiple people, and multiple people can also lend to one person. Also, the results of both the lender and the borrower may be accumulated as scores, and may be confirmed by ranking, leveling, or the like. In this case, the lender's lending management screen may be generated so that the lending amount, date, recovery rate, history, and the like can be checked. In addition, with the approval of the lending partner, it may be generated so that the attendance information, payment information, etc. of the lending partner can be confirmed, or such approval may not be required.

In addition, in such an example of application to microlending, the method of reimbursement is not only cash and digital money, but also predetermined tokens (for example, tokens generated by issuing own tokens) can be charged to worker A. It is possible. It is also possible to provide a predetermined token as a merit/incentive for a third party who has lent money to Worker A. In addition to or instead of using such predetermined tokens as incentive tokens for such micro-lending, it is also possible to use them as reimbursement funds for an amount equivalent to a salary.

1 information processing system 2 information processing device 21 acquisition unit 22 reception unit 23 reservation unit 24 execution unit 25 database 3 service provider terminal 4 company terminal 5 employee terminal 6 personnel labor server 7 financial institution server 8 network

Claims (12)

An information processing device capable of prepayment in which consideration is paid before the scheduled payment date,
an acquisition unit that acquires information for calculating a consideration of a payee who receives payment of the consideration;
a reception unit that receives a request for the advance payment from the person to be paid;
and an execution unit that executes the advance payment based on the price calculation information and the request. 2. The execution unit, when the amount of the consideration paid in advance is less than the total amount of the consideration to be paid on the scheduled payment date, executes the payment of the remaining amount of the consideration on the scheduled payment date. The information processing device described. 3. The information processing apparatus according to claim 1, wherein said advance payment includes advance payment by loan. 4. The prepayment includes transfer to a bank account, charge to electronic money, issuance of a prepaid card, charge, payment using an automatic teller machine, and remittance to family, friends, and acquaintances. The information processing device according to item 1. 5. The information processing apparatus according to any one of claims 1 to 4, wherein said compensation includes remuneration, wages, salaries, bonuses, allowances and expenses. 6. The information processing apparatus according to claim 1, wherein said execution unit executes only said prepayment approved by an approver who approves said prepayment. 7. The information processing apparatus according to any one of claims 1 to 6, wherein said execution unit executes said advance payment after a predetermined cancelable period has elapsed after deciding to execute said advance payment. A reservation unit that accepts advance reservations for the prepayment,
8. The information processing apparatus according to any one of claims 1 to 7, wherein said execution unit executes said advance payment according to a state of prior reservation by said reservation unit. 9. The information processing apparatus according to claim 8, wherein said reservation unit accepts a plurality of said advance reservations until said scheduled payment date. 10. The information processing apparatus according to claim 8, wherein said reservation unit receives a plurality of said advance reservations with different payment methods. The information processing device according to any one of claims 1 to 10, wherein the information processing device comprises a single server or a plurality of servers. An information processing method that allows advance payment in which consideration is paid before the scheduled payment date,
an acquisition step of acquiring information for calculating the consideration of the payee who receives the payment of the consideration;
a receiving step of receiving a request for the advance payment from the payee;
an execution step of executing the advance payment based on the consideration calculation information and the request;
The information processing method, wherein, in the execution step, if the amount of consideration paid in advance is less than the total amount of consideration to be paid on the scheduled payment date, the remaining amount of consideration is paid on the scheduled payment date.

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