JP6892410B2 - Payroll prepayment system, payroll prepayment device, program, and payroll prepayment method - Google Patents

Description

The present invention relates to a payroll prepayment system, a payroll prepayment device, a program, and a payroll prepayment method for paying a worker.

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.

Patent No. 3685788 Patent No. 3857279 Patent No. 4395413

On the other hand, in recent years, electronic payment services have become widespread against the background of the development of information and communication technology, and various payments using electronic money and virtual currency have been proposed. There are many cases where you want to buy the product easily.

However, in the past, salary as compensation for labor was only transferred to the worker's bank account, so when the worker purchases goods etc. using electronic payment, he / she has a separate bank account. There is a problem that it takes time and effort to withdraw the desired amount of cash from the bank, convert the cash to electronic money, etc. at the place or equipment (convenience store, station, etc.) designated by the electronic money operator and charge it to your own terminal. is there. There is also the issue of inflexibility in responding to the demands of workers for various payment forms for labor compensation.

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

The present invention comprises a worker's terminal, a salary prepayment 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 salary prepayment device so as to be able to send and receive data. The pay prepayment system is provided, and the user terminal of the worker is provided with a request data transmitting means for transmitting request data including request amount data and ratio data of cash amount and electronic money amount to the pay prepayment device. The salary prepayment 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 worker stored in the storage means. Calculate the cumulative data for the period from the predetermined start date of the daily salary data to the date when the request data is input, and subtract the cumulative data of the amount data already paid to the worker in the period from the cumulative data. The available amount data is calculated based on the obtained amount data, the amount specified by the request amount data is compared with the amount specified by the available amount data, and the amount specified by the request amount data is compared. Creates and outputs transfer data for paying the cash amount specified in the ratio data to the worker when the amount does not exceed the amount specified in the available amount data, and uses the ratio data. Electronic money issuance request data for charging the worker's terminal to use the specified electronic money amount is created and output to the payment device, and the amount specified by the request amount data is the available amount data. The payment device includes a processing means for refusing to create the transfer data when the amount of money specified in the above is exceeded, and a means for transferring the cash amount to the worker's account based on the transfer data. A salary prepayment system including 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 prepayment device and charges the user terminal of the worker. is there.

In one embodiment of the present invention, the user terminal of the worker displays a default value input means for inputting a default value of the ratio data from the salary prepayment device and the default value of the ratio data. The salary prepayment device includes a display means and an operation means in which the worker can adjust the default value of the displayed ratio data, and the salary prepayment device is a history of the ratio data input from the user terminal of the worker. A ratio data storage means for storing the above 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, and a default value of the adjusted ratio of the worker. It is provided with a default value transmitting means for transmitting to the user terminal.

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 labor value amount of the worker to the user terminal of the worker is created and output to the user terminal of the worker.

Further, the present invention comprises 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 wage data, and the like. 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. , Create transfer data for paying the cash amount specified in the ratio data to the worker when the amount specified in the request amount data does not exceed the amount specified in the available amount data. And output, and create and output electronic money issuance request data for charging the worker's terminal to use the electronic money amount specified by the ratio data, and output the electronic money amount specified by the request amount data. Prepaid salary having a processing means for refusing to create the transfer data when the amount exceeds the amount specified in the available amount data, and a means for transferring the cash amount to the worker's account based on the transfer data. It is a device.

In one embodiment of the present invention, the labor is performed by using 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 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. Labor value data for charging the worker's terminal to use the labor value amount 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 into a computer processor, and 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 cumulative data has already been 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. To pay the worker the cash amount specified by the ratio data when the amount specified by the request amount data does not exceed the amount specified by the available amount data by comparing the amount with the amount. The transfer data of the above is created and output, and the electronic money issuance request data for charging the electronic money amount specified by the ratio data to the user terminal of the worker is created and output, and the request amount is obtained. A step of refusing to create the transfer data when the amount specified by the data exceeds the amount specified by the available amount data, and a step of transferring the cash amount to the worker's account based on the transfer data. It is a program that executes and.

In one embodiment of the present invention, the 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 further 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. The step of creating and outputting the labor value data for charging the amount to the user terminal of the worker is executed.

Further, the present invention includes a step of inputting the available amount data and the default value of the ratio data of the cash amount and the electronic money amount into the processor of the computer from the salary prepayment device, and the default value of the available amount and the ratio data. The step of displaying the request data on the display means, the step of creating the request data including the request amount data and the ratio data of the cash amount and the electronic money amount according to the operation from the operation unit, and the step of displaying the request data in the salary prepayment device. And 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.

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 ratio data is used from the salary prepayment device. Receive the labor value data of the specified labor value amount and execute the step of charging.

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 wage 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 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 size, and the amount specified by the request amount data exceeds the amount specified by the available amount data. If not, the transfer data for paying the cash amount specified by the ratio data to the worker is created and output, and the electronic money amount specified by the ratio data is used by the worker. Creates and outputs electronic money issuance request data for charging the terminal, and refuses to create the transfer data when the amount specified in the request amount data exceeds the amount specified in the available amount data. , A computer-executed salary prepayment method that transfers the cash amount to the worker's account based on the transfer data.

In one embodiment of the present 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. Labor value data for charging the amount to the user terminal of the worker is created and output.

According to the present invention, workers can receive prepayment of their salary in various forms. In particular, according to the present invention, a worker can receive cash and electronic money at any ratio as a prepayment of his / her salary. Further, according to the present invention, the ratio of cash to electronic money can be easily set.

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 embodiment. It is explanatory drawing which shows an example of the request table in embodiment. It is a graph which shows the time-dependent change of the request amount ratio for every 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 embodiment. It is explanatory drawing which shows an example of the transaction table in 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 the configuration of the user terminal in an embodiment. It is a processing flowchart of a user terminal in an embodiment. It is a screen explanatory view (the 1) of the user terminal in an embodiment. It is a screen explanatory view (the second) of the user terminal in an embodiment. It is a screen explanatory view (the third) of the user terminal in an embodiment. It is a screen explanatory view (the 4) of the user terminal in an embodiment. It is a screen explanatory view (the 5) of the user terminal in an embodiment. FIG. 6 is a screen explanatory view (No. 6) of the user terminal in the embodiment. It is a screen explanatory view (7) of a user terminal in an embodiment. It is a screen explanatory view (the 8) of the user terminal in an embodiment. It is a screen explanatory view (9) of a user terminal in an embodiment. It is a screen explanatory view (10) of a user terminal in an embodiment. It is a screen explanatory view (11) of a user terminal in an embodiment. It is a screen explanatory view (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.

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

FIG. 1 shows an overall configuration diagram of a payroll prepayment system according to an embodiment. The pay prepayment system is provided for a company computer 10 provided in a company that employs a worker, a labor data processing computer 12 provided in a bank or its affiliated company, 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 and 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 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 a payroll prepayment 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 salary prepayment 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 transmits an electronic money issuance request for converting a part or all of the labor consideration of the worker into electronic money in response to the request for salary prepayment from the user terminal 16. To 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 the worker purchases a product or service with electronic money using the user terminal 16, the payment computer 14 executes the payment with electronic money in response to the 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 (salary prepayment application) for requesting prepayment of salary from the labor data processing computer 12 is installed in the user terminal 16. The payroll prepaid application program can be downloaded from, for example, a home page (HP) managed by the labor data processing computer 12.

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 can 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 wired or wireless regardless of whether it is a dedicated line or a public line. 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 corporate 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 worker's labor data, that is, the worker's basic information 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 already paid to the worker, and calculates the cumulative salary balance obtained by subtracting the cumulative prepaid 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 to electronic money when a worker receives a prepayment of his / her salary.

The approval unit 123 approves the salary prepayment request from the user terminal 16. Specifically, the cumulative salary balance at the time of request (or the amount obtained by multiplying this by a certain coefficient) is used as the available amount, and the available amount is compared with the requested amount, and the requested amount is the range of the available amount. If inside, approve the request. 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.

The transfer table creation unit 124 creates a transfer table for transferring the cash amount specified by the ratio of cash to the requested amount to the worker's account when approved by the approval unit 123.

The hourly wage unit price table storage unit 125 stores the 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 salary calculation 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 already paid in advance (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 includes the ratio included in the request table, that is, the ratio of cash and 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, for a worker
Default value of initial ratio: 50%
Adjusted ratio default value: 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 the present 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 the transfer table, and instructs the electronic money conversion instruction unit 129 to issue electronic money. do not. 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 money 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 settlement 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 a payroll prepaid application unit 161, an operation unit 162, a display unit 163, and a storage unit 164 as functional blocks.

The payroll prepayment application unit 161 is a functional block realized by executing the installed payroll prepayment application program, and is roughly classified into a processing module, an electronic money management module, and a labor value management module. The processing module is a module that manages payroll prepayment 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 a value equivalent to 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 the electronic money, 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 money 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, etc., 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 the electronic money charged in the user terminal 16. Is transmitted to the payment computer 14. The payment 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 payment 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. ..

One or a plurality of CPUs 12a reads a 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 accumulation of labor data, salary 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, 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 to electronic money when requesting advance payment of his / her salary. 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, an 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 corporate computer 10, the payment computer 14, and the user terminal 16 via the communication network 20. The communication I / F 12f constitutes the labor data input unit 120 in FIG.

FIG. 8 shows an example of the 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 e-mail 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 by the working hours and the total salary amount obtained by multiplying the salary amount are stored.

FIG. 10 shows an example of the 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 a salary prepaid amount desired by the worker by operating the user terminal 16. Breakdown: The ratio is the breakdown of salary prepayment desired by the worker and its ratio. In this embodiment, as a prepaid form of salary,
・ You can choose to pay in advance with either cash or electronic money. Labor value is a type of electronic money, but if you distinguish it from electronic money and regard it as another payment form,
・ It can be said that prepayment of salary by cash, electronic money, or labor value can be arbitrarily selected. Also, allow payment by virtual currency,
-It may be configured so that salary prepayment in cash, electronic money, labor value, or virtual currency can be arbitrarily selected.

The ratio is 100% cash, 100% electronic money, 50% cash, 50% electronic money, and the like. One worker always wants 100% cash upfront, another always wants 100% electronic money upfront, yet another wants 100% cash at some point, another You may wish to pay 50% cash and 50% electronic money in advance at the same time. 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 requests for 100% cash, and workers with employee code "002" sometimes make requests for 50% cash and 50% electronic money, 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 the 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 workers based on the tendency of the ratio. The default value is dynamically changed and adjusted 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 the labor data processing computer 12 to pay the salary in advance 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 money, so the default ratio is set to 70% cash and 30% electronic money 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" makes a request by gradually increasing 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 salary prepayment using the salary prepayment system, the default ratio can be set to 100% 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 money balance is increased and updated by the amount when new electronic money is issued in response to the electronic money 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 payroll prepayment system in chronological order. This is the flow from when a worker provides labor to requesting prepayment of salary and receiving salary 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 transmission may be performed every day or at regular intervals.

III: Request Next, the worker operates the user terminal 16 to send a salary prepayment 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 prepaid amount of salary and the breakdown: ratio from the user terminal 16, the labor data processing computer 12 executes processing according to the breakdown: ratio.

IV: Electronic money issuance request The labor data processing computer 12 sends the payment computer 14 when electronic money is included in the breakdown of the request data from the user terminal 16, for example, when cash is 50%, electronic money is 50%, or the like. On the other hand, request that cash equivalent to the ratio of the requested amount of electronic money be issued as electronic money. In addition, the labor data processing computer 12 creates a transfer table for transferring an amount equivalent to the amount of electronic money to an account designated by the business operator of the settlement computer 14 in response to a request for issuing 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 settlement 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 cash ratio in the breakdown of the request data from the user terminal 16, that is, when the cash is not 0%, the amount corresponding to the ratio. Create a transfer table to transfer cash to the worker's bank account. In parallel with this, 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 equivalent 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 date of the amount corresponding to the electronic money amount from the labor data processing computer 12.

VI: 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 prepaid amount from the worker's salary, and transfers the salary balance to the worker's bank account.

FIG. 16 shows a data flow when purchasing goods and services 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 a payment ID associated with the purchase of goods and services When a worker purchases a seller's goods and services, 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 settlement ID is the same ID 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 pay his / her salary in advance, he / she can receive it as electronic money at a desired ratio in addition to receiving it as cash, and can purchase goods and services with electronic money.

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 processing 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 a request for prepaid salary has been received from the user terminal 16 (S103). When the request is not received, the processes 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 sent 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 after deducting a predetermined fee may be transferred. Then, the transferred amount is deducted from the accumulated salary and the salary balance update process is executed (S108).

When the ratio of electronic money is 100%, that is, when cash is 0%, the payment computer 14 is requested to issue electronic money according to the requested 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 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 requested amount (S111). .. In response to this issuance request, the payment computer 14 converts the amount equivalent to the ratio amount into electronic money and transmits 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. In parallel with this, 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 after deducting a predetermined fee may be transferred. 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 processing program stored in the ROM 166 or the storage unit 164. The processing program includes a payroll prepayment application program. The payroll prepayment application program may be downloaded and installed from a labor data processing computer 12 or a predetermined server computer connected to the communication network 20. The electronic money management module may be incorporated in the payroll prepayment 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 prepayment of salary is transmitted 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 the 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 payroll prepaid application program stored in the ROM 166 or the storage unit 164.

When the worker operates the user terminal 16 to start the payroll prepayment application program (S201), the processing module of the payroll prepayment 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 payroll prepayment 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 application screen for prepaid salary is displayed on the display unit 163 (S204). On this application screen, the worker inputs whether to apply for salary prepayment 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). When the labor data processing computer 12 receives the application for salary prepayment, it refers to the user table and the ratio table, obtains the available amount of salary prepayment based on the current salary balance of the worker, and obtains the available amount of salary prepayment. 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 salary prepayment 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 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 requested amount and executes the transfer process to the worker's bank account. Therefore, the worker appropriately transfers the amount transferred to his / her own bank account. Can be withdrawn.

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 to this.

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 salary prepayment, 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 any item to check the check box. Here, the worker shall check the check box of "Application for use" 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 salary prepayment request (the amount after deducting the amount if the salary prepayment has already been received) managed by the user table shown in FIG. The amount of. If the company that employs the worker determines the range in which the prepayment can be used, it is within that range (for example, 70% of the total salary).

The application amount is the prepaid 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 / electronic money 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 the 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 businesses. In this case, since the electronic money a is 100%, it is not necessary to set the ratio.

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

FIG. 26 shows a pattern in which workers select only labor values. 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 the 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 ratio value, and 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, in the ratio input field,
Cash: 30%
Electronic money: 70%
Is displayed.

In FIGS. 28 and 29, the ratio is displayed as%, but the ratio may be displayed as a monetary amount.

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, so
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 yet 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 / electronic money 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. Moreover, you may allow the selection of any three, for example, cash, electronic money a, and electronic money b. In this case, the ratio can be adjusted using a plurality of slide bars or Gibbs triangles.

Next, the labor value will be described.

When a worker receives a prepayment of salary as cash, he / she can receive it by transferring it to his / her bank account by a transfer process by a 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 directly applied 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 by labor value, and workers do not need their own bank account (however, a bank account is required to transfer the salary balance after prepaid deduction).

FIG. 33 shows the flow of data in chronological order when a worker wishes to prepay salary by 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 transmission may be performed every day or at regular intervals.

III: Request Next, the worker operates the user terminal 16 to send a salary prepayment 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 prepaid payment.

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 prepaid amount from the worker's salary, and transfers the salary 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 and receiving data between the labor data processing computer 12 and the user terminal 16.

As described above, in the present embodiment, the worker can receive the prepayment of his / her salary and can receive the prepayment in various forms. In particular, according to the present embodiment, the worker can receive cash and electronic money in a desired ratio.

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

Claims (14)

Workers' terminals and
A payroll prepayment 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 payroll prepaid device so as to be able to send and receive data,
It is a salary prepayment system equipped with
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 payroll prepaid device is provided.
The payroll prepayment device
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 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. , Create transfer data for paying the cash amount specified in the ratio data to the worker when the amount specified in the request amount data does not exceed the amount specified in the available amount data. And output, and create electronic money issuance request data for charging the worker's terminal to use the electronic money amount specified by the ratio data, output it to the payment device, and use the request amount data. A processing means for refusing to create the transfer data when the specified amount exceeds the amount specified in the available amount data, and
A means of transferring the cash amount to the worker's account based on the transfer data, and
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 payroll prepayment device and charges the user terminal of the worker.
Payroll prepayment system with. In the salary prepayment system according to claim 1,
The terminal used by the worker
A default value input means for inputting a default value of the ratio data from the payroll prepayment device, and
A display means for displaying the default value of the ratio data, and
An operating means that allows the worker to adjust the default value of the displayed ratio data, and
With
The payroll prepayment device
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.
Payroll prepayment system with. In the salary prepayment system according to any one of claims 1 and 2.
The amount of electronic money includes the amount of labor value,
The processing means creates labor value data for charging the labor value amount specified by the ratio data to the user terminal of the worker when the labor value amount specified by the ratio data is not 0. A salary prepayment system that outputs data 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. , Create transfer data for paying the cash amount specified in the ratio data to the worker when the amount specified in the request amount data does not exceed the amount specified in the available amount data. And output, and create and output electronic money issuance request data for charging the worker's terminal to use the electronic money amount specified by the ratio data, and output the electronic money amount specified by the request amount data. A processing means for refusing to create the transfer data when the amount exceeds the amount specified in the available amount data, and
A means of transferring the cash amount to the worker's account based on the transfer data, and
Payroll prepayment device with. In the payroll prepaid device according to 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 ratio of the worker 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
Payroll prepayment device with. In the payroll prepaid device according to any one 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 labor value amount specified by the ratio data to the user terminal of the worker when the labor value amount specified by the ratio data is not 0. A payroll prepayment device that outputs. 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 daily salary data of the worker 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. , Create transfer data for paying the cash amount specified in the ratio data to the worker when the amount specified in the request amount data does not exceed the amount specified in the available amount data. And output, and create and output electronic money issuance request data for charging the worker's terminal to use the electronic money amount specified by the ratio data, and output the electronic money amount specified by the request amount data. The step of refusing to create the transfer data when the amount exceeds the amount specified in the available amount data, and
The step of transferring the cash amount to the worker's account based on the transfer data,
A program that executes. 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, and
A step of transmitting the default value of the adjusted ratio to the user terminal of the worker, and
A program that executes. 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 labor value amount specified by the ratio data to the user terminal of the worker. A program that executes. To the processor of the computer
Steps to enter the default value of the available amount data from the payroll prepayment device and the ratio data of cash amount and electronic money amount,
A step of displaying the available amount and the default value of the ratio data on the display means, and
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 payroll prepayment device, and
A step of receiving electronic money data of the amount of electronic money specified by the ratio data from the payment device and performing charge processing, and
A program that executes. 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 salary prepayment 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.
Create transfer data for paying the cash amount specified in the ratio data to the worker when the amount specified in the request amount data does not exceed the amount specified in the available amount data. Electronic money issuance request data for outputting and charging the electronic money amount specified by the ratio data to the user terminal of the worker is created and output, and the amount specified by the request amount data is If the amount exceeds the amount specified in 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.
A payroll prepayment method that runs on your computer. In the salary prepayment method according to 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
Send the default value of the adjusted ratio to the user terminal of the worker,
A payroll prepayment method that runs on your computer. In the salary prepayment method according to any one 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 labor value data for charging the labor value amount specified by the ratio data to the user terminal of the worker is created and output.
A payroll prepayment method that runs on your computer.

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