JP6942355B2 - Payroll equipment, methods, and computer programs - Google Patents

Description

The present invention relates to a technique for securing a salary based on a worker's labor claim and managing the secured salary.

Recently, in developing countries, we have stopped issuing high-value banknotes and banknotes, which are hotbeds for tax evasion, bribery, robbery, money laundering, etc. The number of mobile banks that can make deposits, transfers, and withdrawals using mobile money is increasing rapidly.
However, most mobile payments and remittances using mobile terminals are prepaid prepaid, and are rarely used for postpaid payments that are traded by credit.

Transactions are completed on the spot for payments using cash in kind, but overwhelmingly, the sales agency and workers are not immediately paid salaries based on business transaction prices and labor receivables. And workers have no choice but to trust that the seller or employer pays on the settlement date or payday. In such a situation, the seller and the worker are liable for the uncollected transaction price and the unpaid salary.

Japanese Unexamined Patent Publication No. 2016-10582 Japanese Unexamined Patent Publication No. 2016-126793

In recent years, there have been increasing calls for a system that can prevent unpaid and unpaid deductions such as salaries and social insurance based on workers' labor claims and prevent fraudulent exchange of money, but it is still sufficient. It was in a situation where it could not be said that such a system was provided.

Therefore, an object of the present invention is to secure labor receivables of workers, prevent salaries and deductions from being unpaid or unpaid, and reduce costs required for payment and payment.
In addition, the purpose is to prevent fraud by clarifying the basis and process of payment of salary and price.

In order to achieve the above object, the payroll management device according to one aspect of the present invention is configured to be communicable with a payroll payer terminal used by the payroll payer via a network, and is a virtual payroller possessed by the payroll payer. Of the currencies, a device that secures virtual currency as salary according to the labor receivables of workers who receive salary payments from the salary payers, and is an administrator who manages salaries based on labor receivables, the salary payers, Based on the virtual account information storage means that stores the information related to the virtual account in which the virtual currency held by the worker is deposited, the attendance information storage means that stores the attendance information of the worker, and the attendance information. A salary calculation means for calculating the amount of salary according to the labor receivable acquired by the worker, a salary information storage means for storing the amount of salary according to the labor receivable acquired by the worker, and the salary payer terminal. The approval request transmitting means for transmitting the approval request for the salary, the approval receiving means for receiving the approval for the salary by the salary payer from the salary payer terminal, the virtual account information storage means, and the salary. With reference to the information storage means, out of the salary according to the labor receivable acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the virtual account of the worker. By associating with the first securing processing means for securing the take-home amount of the worker, and referring to the virtual account information storage means and the salary information storage means, the salary according to the labor claim acquired by the worker. Of these, by associating the virtual currency corresponding to the deduction cost of the worker from the virtual account of the salary payer to the virtual account of the administrator and registering it as the deduction cost to be paid in the virtual account information storage means, the above It has a second securing processing means to secure the deduction cost of workers.

In addition, the virtual currency mentioned here is regardless of the name such as digital currency, "when purchasing goods, borrowing, or receiving services, to an unspecified person to pay these prices. Property value that can be used for, and that can be purchased and sold to an unspecified person, and that can be transferred using an electronic information processing organization "or" unspecified It is a property value that can be exchanged with each other with the other party, and can be transferred using an electronic information processing organization "(legal definition regarding fund settlement), Bitcoin, etc. include.

Further, it further has an attendance information receiving means that is configured to be communicable with an attendance management device that manages the attendance information of the worker via a network and receives the attendance information of the worker from the attendance management device. May be.

In addition, it is configured to be able to communicate with a worker terminal used by a worker who receives salary payment from the salary payer via a network, and the worker terminal is within the range of labor claims held by the worker. It may further have a securing processing request receiving means for receiving a salary securing processing request.

In addition, it is configured to be able to communicate with the store terminal installed in the store where the worker purchases the product via the network, and receives a payment processing request for the product purchased by the worker from the store terminal. With reference to the payment processing request receiving means and the virtual account information storage means, the amount corresponding to the price of the product among the virtual currencies associated with the worker's virtual account is allocated to the administrator's virtual account. It may further have a third securing processing means for securing the price of the above-mentioned product by associating with and registering as the planned payment price.

In addition, in response to the payment processing request, the judgment processing means for determining whether or not to settle the price of the product based on the virtual currency associated with the worker's virtual account with reference to the virtual account information storage means. The third securing processing means is associated with the virtual account of the worker by referring to the virtual account information storage means when the price of the product can be settled. Of the currency, the portion corresponding to the price of the product may be associated with the virtual account of the administrator and registered as the planned payment price to secure the price of the product.

In addition, the third securing processing means may be used to separately register the virtual currency to be registered as the payment schedule price separately from the tax-excluded price and the tax.

Further, on a predetermined date, the first payment processing means for associating the tax-excluded price of the product from the virtual account of the manager to the virtual account of the store may be further provided.

Further, on a predetermined date, a second payment processing means for associating the tax of the product with the virtual account of the administrative agency that collects the tax of the product from the virtual account of the administrator may be further provided.

Further, on a predetermined date, the deduction fee may be further provided with a third payment processing means for associating the deduction fee with the virtual account of the administrative agency that collects the deduction fee from the virtual account of the administrator.

In addition, the store terminal installed in the store where the worker purchases the product and the immediate payment terminal that makes an immediate payment of the price based on the purchase of the product are configured to be communicable via a network, and the immediate payment is made. The price of the product from the worker's virtual account with reference to the immediate settlement processing request receiving means for receiving the withdrawal processing request for the product purchased by the worker from the terminal and the virtual account information storage means. The first withdrawal processing means for withdrawing the virtual currency corresponding to the above, and the withdrawal processing completion notification transmitting means for transmitting a notification to the immediate settlement terminal that the withdrawal of the virtual currency corresponding to the above price has been completed. It may have.

In addition, it is installed at the card administrator terminal that is held by the above worker and is installed under the card administrator who manages the prepaid card that can be used for payment processing, and at the financial institution that manages the account of the card administrator. Receives a remittance request for a predetermined amount from a card administrator terminal that is configured to be able to communicate with a financial institution terminal that is operating via a network and has received a charge request for a predetermined charge amount from the worker to a prepaid card. To the second withdrawal processing means for withdrawing the virtual currency corresponding to the predetermined charge amount from the worker's virtual account and the financial institution terminal with reference to the remittance request receiving means and the virtual account information storage means. , Send the transfer request transmission means for transmitting the transfer request of the virtual currency withdrawn to the account of the card administrator, and transmit the transfer processing result of the virtual currency corresponding to the predetermined charge amount to the card administrator terminal. The transmission processing result transmission means to be performed may be further provided.

Further, the payroll management device according to another aspect of the present invention is configured to be able to communicate with the payroll payer terminal used by the payroll payer via a network, and among the virtual currencies held by the payroll payer, the above A device that secures virtual currency as salary according to the labor receivables of workers who receive salary payments from salary payers. A virtual account information storage means that stores information related to a virtual account in which currency is deposited, an attendance information storage means that stores attendance information of the worker, and labor claims acquired by the worker based on the attendance information. A salary calculation means for calculating the amount of salary according to the salary, a salary information storage means for storing the amount of salary according to the labor receivable acquired by the worker, and a salary payer terminal are requested to approve the salary. With reference to the approval request transmitting means to be transmitted, the approval receiving means for receiving the approval of the salary by the salary payer from the salary payer terminal, the virtual account information storage means and the salary information storage means, the above Of the salary according to the labor receivable acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is associated with the virtual account of the manager from the virtual account of the salary payer, so that the take-home of the worker Refer to the first securing processing means for securing the amount, the virtual account information storage means, and the salary information storage means, and out of the salary according to the labor receivable acquired by the worker, the deduction cost of the worker. A second securing processing means for securing the deduction cost of the worker by associating the virtual currency corresponding to the above salary payer's virtual account with the virtual account of the administrator and registering it as the deduction cost to be paid. Have.

Further, it further has an attendance information receiving means that is configured to be communicable with an attendance management device that manages the attendance information of the worker via a network and receives the attendance information of the worker from the attendance management device. May be.

In addition, it is configured to be able to communicate with a worker terminal used by a worker who receives salary payment from the salary payer via a network, and the worker terminal is within the range of labor claims held by the worker. It may further have a securing processing request receiving means for receiving a salary securing processing request.

Further, referring to the remittance instruction receiving means for receiving the remittance instruction of the predetermined amount of virtual currency from the worker terminal and the virtual account information storage means, the take-home amount of the worker in the virtual account of the administrator. Among the virtual currencies associated with the above, the remittance processing means for associating the predetermined amount of virtual currency with the worker's virtual account may be further provided.

In addition, it is configured to be able to communicate with the store terminal installed in the store where the worker purchases the product via the network, and the price of the product purchased by the worker from the store terminal is determined by the manager. The first payment processing request receiving means for receiving the payment processing request based on the virtual currency associated with the virtual account or the payment processing request based on the virtual currency associated with the worker's virtual account, and the administrator. When receiving a payment processing request based on the virtual currency associated with the virtual account of the above, referring to the above virtual account information storage means, in the above administrator's virtual account, it is associated as the take-back amount of the above worker. Of the virtual currencies that exist, the portion corresponding to the price of the above product is registered as the planned payment price, so that the third securing processing means for securing the price of the above product is associated with the virtual account of the worker. When a payment processing request based on the virtual currency is received, referring to the virtual account information storage means, the portion of the virtual currency associated with the worker's virtual account corresponding to the price of the product is described above. It may further have a fourth securing processing means for securing the price of the above-mentioned product by associating it with the virtual account of the administrator and registering it as the planned payment price.

Further, the third securing processing means and the fourth securing processing means may separately register the virtual currency to be registered as the payment scheduled price separately for the tax-excluded price and the payment scheduled tax.

In addition, in response to the settlement processing request based on the virtual currency associated with the virtual account of the administrator, the virtual currency of the worker is used in the virtual account of the administrator with reference to the virtual account information storage means. Of the associated virtual currencies, the first judgment processing means for determining whether or not to settle the price of the above products based on the virtual currency that is not registered as the scheduled payment price, the scheduled payment deduction fee, or the scheduled payment tax, When a payment processing request based on the virtual currency associated with the worker's virtual account is received, it is determined whether or not the payment for the above product can be settled based on the virtual currency associated with the worker's virtual account. Further having a second determination processing means, and the third securing processing means, when the price of the product can be settled, the virtual account information storage means of the administrator is referred to when the price of the product can be settled. By registering the amount equivalent to the price of the product among the virtual currencies associated with the worker's take-home amount as the planned payment price in the account, the price of the product is secured and the fourth security is secured. The processing means corresponds to the price of the product among the virtual currencies associated with the worker's virtual account with reference to the virtual account information storage means when the price of the product can be settled. The price of the above-mentioned product may be secured by associating the minute with the virtual account of the above-mentioned administrator and registering it as the planned payment price.

Further, on a predetermined date, the first payment processing means for associating the tax-excluded price of the product from the virtual account of the manager to the virtual account of the store may be further provided.

Further, on a predetermined date, a second payment processing means for associating the tax of the product with the virtual account of the administrative agency that collects the tax of the product from the virtual account of the administrator may be further provided.

In addition, on the predetermined payment date, with reference to the virtual account information storage means, among the virtual currencies related to salary according to the labor receivable acquired by the worker, the payment schedule price, the payment schedule deduction cost, or the payment schedule It may further have a third payment processing means for paying the worker by associating the portion not registered as a tax with the worker's virtual account.

Further, on a predetermined date, the deduction fee may be further provided with a fourth payment processing means for associating the deduction fee with the virtual account of the administrative agency that collects the deduction fee from the virtual account of the administrator.

In addition, the store terminal installed in the store where the worker purchases the product and the immediate payment terminal that makes an immediate payment of the price based on the purchase of the product are configured to be communicable via a network, and the immediate payment is made. The labor associated with the virtual account of the administrator by referring to the immediate settlement processing request receiving means for receiving the withdrawal processing request for the goods purchased by the worker from the terminal and the virtual account information storage means. From the person's take-back amount, the first withdrawal processing means for withdrawing the virtual currency corresponding to the price of the above-mentioned product and the notification to the above-mentioned immediate settlement terminal that the withdrawal of the virtual currency corresponding to the above-mentioned price has been completed are transmitted. It may further have a withdrawal processing completion notification transmitting means.

In addition, the store terminal installed in the store where the worker purchases the product and the immediate payment terminal that makes an immediate payment of the price based on the purchase of the product are configured to be communicable via a network, and the immediate payment is made. The price of the product from the worker's virtual account with reference to the immediate settlement processing request receiving means for receiving the withdrawal processing request for the product purchased by the worker from the terminal and the virtual account information storage means. A second withdrawal processing means for withdrawing the virtual currency corresponding to the above, and a withdrawal processing completion notification transmitting means for transmitting a notification to the immediate settlement terminal that the withdrawal of the virtual currency corresponding to the above price has been completed. It may have.

In addition, it is installed at the card administrator terminal that is held by the above worker and is installed under the card administrator who manages the prepaid card that can be used for payment processing, and at the financial institution that manages the account of the card administrator. Receives a remittance request for a predetermined amount from a card administrator terminal that is configured to be able to communicate with a financial institution terminal that is operating via a network and has received a charge request for a predetermined charge amount from the worker to a prepaid card. With reference to the remittance request receiving means and the virtual account information storage means, the virtual currency corresponding to the predetermined charge amount is deducted from the take-home amount of the worker associated with the virtual account of the administrator. The above-mentioned predetermined charge amount to the withdrawal processing means, the remittance request transmitting means for transmitting the remittance request of the deducted virtual currency to the card administrator's account to the financial institution terminal, and the card administrator terminal. It may further have a transmission processing result transmission means for transmitting the transfer processing result of the virtual currency corresponding to.

In addition, it is installed at the card administrator terminal that is held by the above worker and is installed under the card administrator who manages the prepaid card that can be used for payment processing, and at the financial institution that manages the account of the card administrator. Receives a remittance request for a predetermined amount from a card administrator terminal that is configured to be able to communicate with a financial institution terminal that is operating via a network and has received a charge request for a predetermined charge amount from the worker to a prepaid card. To the fourth withdrawal processing means for withdrawing the virtual currency corresponding to the predetermined charge amount from the worker's virtual account and the financial institution terminal with reference to the remittance request receiving means and the virtual account information storage means. , Send the transfer request transmission means for transmitting the transfer request of the virtual currency withdrawn to the account of the card administrator, and transmit the transfer processing result of the virtual currency corresponding to the predetermined charge amount to the card administrator terminal. The transmission processing result transmission means to be performed may be further provided.

In addition, the payroll management method according to another aspect of the present invention is a payroll payer's virtual currency held by a payroll payer using a computer configured to be able to communicate with the payroll payer's terminal via a network. Among them, it is a method of securing a virtual currency as salary according to the labor receivable of the worker who receives salary payment from the salary payer. It has a virtual account information storage means for storing information related to a virtual account in which a person and a virtual currency held by the worker are deposited, and an attendance information storage means for storing the attendance information of the worker. Based on the attendance information, the salary calculation process that calculates the amount of salary according to the labor claims acquired by the worker and the amount of salary according to the labor claims acquired by the worker are stored in the salary information storage means. The process, the approval request transmission process for transmitting the approval request for the salary to the salary payer terminal, the approval reception process for receiving the approval for the salary by the salary payer from the salary payer terminal, and the above. With reference to the virtual account information storage means and the salary information storage means, among the salary amounts according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is the virtual currency of the salary payer. By associating the account with the virtual account of the worker, the worker can refer to the first securing process for securing the take-home amount of the worker, the virtual account information storage means, and the salary information storage means. Of the salaries according to the acquired labor receivables, the virtual currency corresponding to the deduction cost of the worker is associated with the virtual account of the salary payer from the virtual account of the administrator, and the deduction to be paid to the virtual account information storage means. By registering as an expense, the second securing process for securing the deduction expense for the worker is executed.

Further, in the computer program according to another aspect of the present invention, among the virtual currencies held by the salary payer, a computer configured to be able to communicate with the salary payer terminal used by the salary payer via a network is used. , A program for functioning as a salary management device that secures virtual currency as salary according to the labor claims of workers who receive salaries from the salary payers, and the computer manages salaries based on labor claims. Virtual account information storage means that stores information related to virtual accounts in which virtual currencies held by the manager, the salary payer, and the worker are deposited, and attendance information storage that stores the attendance information of the worker. According to the salary calculation process that calculates the amount of salary according to the labor receivable acquired by the worker based on the attendance information, and according to the labor receivable acquired by the worker. A process of storing the amount of salary in the salary information storage means, an approval request transmission process of transmitting an approval request for the salary to the salary payer terminal, and the above-mentioned by the salary payer from the salary payer terminal. Refer to the approval reception process for receiving approval for salary, the virtual account information storage means, and the salary information storage means, and out of the salary amount according to the labor receivable acquired by the worker, the take-home amount of the worker. The first securing process for securing the take-home amount of the worker by associating the virtual currency corresponding to the above with the virtual account of the worker from the virtual account of the salary payer, the virtual account information storage means, and the salary. With reference to the information storage means, out of the salary according to the labor receivable acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is transferred from the virtual account of the salary payer to the virtual account of the administrator. By associating and registering the deduction cost to be paid in the virtual account information storage means, the second securing process for securing the deduction cost of the worker is executed.

In addition, the payroll management method according to another aspect of the present invention is a payroll payer's virtual currency held by a payroll payer using a computer configured to be able to communicate with the payroll payer's terminal via a network. Among them, it is a method of securing a virtual currency as salary according to the labor receivable of the worker who receives salary payment from the salary payer. It has a virtual account information storage means that stores information related to a virtual account in which virtual currency held by each payer is deposited, and an attendance information storage means that stores attendance information of the worker, and the attendance information includes the attendance information storage means. Based on the above, a salary calculation process for calculating the amount of salary according to the labor claims acquired by the worker, a process for storing the amount of salary according to the labor claims acquired by the worker in the salary information storage means, and the above. An approval request transmission process for transmitting an approval request for the salary to the salary payer terminal, an approval reception process for receiving approval for the salary by the salary payer from the salary payer terminal, and a virtual account information storage. With reference to the means and the salary information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the manager. By associating with the virtual account of the above, the first securing process for securing the take-home amount of the worker, and the labor receivable acquired by the worker by referring to the virtual account information storage means and the salary information storage means. Of the corresponding salary, the virtual currency corresponding to the deduction cost of the worker is associated with the virtual account of the manager from the virtual account of the salary payer and registered as the deduction cost to be paid, so that the deduction of the worker Execute the second securing process to secure the cost.

Further, in the computer program according to another aspect of the present invention, among the virtual currencies held by the salary payer, a computer configured to be able to communicate with the salary payer terminal used by the salary payer via a network is provided. , A computer program for functioning as a salary management device that secures virtual currency as salary according to the labor receivables of workers who receive salary payments from the salary payer. A virtual account information storage means that stores information related to the virtual account in which the virtual currency held by the manager and the salary payer are deposited, and an attendance information storage means that stores the attendance information of the worker. Based on the attendance information, the salary calculation process that calculates the amount of salary according to the labor receivable acquired by the worker and the salary according to the labor receivable acquired by the worker are calculated. A process of storing the amount in the salary information storage means, an approval request transmission process of transmitting an approval request for the salary to the salary payer terminal, and an approval of the salary by the salary payer from the salary payer terminal. With reference to the approval reception process for receiving the above, the above virtual account information storage means, and the above salary information storage means, among the salaries according to the labor claims acquired by the worker, the virtual equivalent to the take-home amount of the worker. By associating the currency from the virtual account of the salary payer with the virtual account of the administrator, the first securing process for securing the take-home amount of the worker, the virtual account information storage means, and the salary information storage means are performed. With reference, out of the salary according to the labor receivable acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is associated with the virtual account of the salary payer to the virtual account of the administrator and is scheduled to be paid. By registering as a deduction fee, the second securing process for securing the deduction fee for the worker is executed.

According to the present invention, salaries and deduction costs based on labor claims are secured, and it is possible to prevent the risk of unpaid salaries to workers and unpaid deduction costs.
In addition, it is possible to reduce the cost required for payment and payment of salary and the like.
Furthermore, the basis and process of payment of salary and price will be clarified, and fraud will be prevented.

It is a functional block diagram which showed the function which the payroll management apparatus which concerns on 1st Embodiment of this invention has. It is a figure which showed an example of the data stored in the payroll payer information DB in the payroll management apparatus which concerns on this embodiment. It is a figure which showed an example of the data stored in the worker information DB in the payroll management apparatus which concerns on this embodiment. It is a figure which showed an example of the data stored in the virtual account information DB in the payroll management apparatus which concerns on this embodiment. It is a figure which showed an example of the data stored in the attendance information DB in the payroll management apparatus which concerns on this embodiment. It is a figure which showed an example of the data stored in the payroll information DB in the payroll management apparatus which concerns on this embodiment. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a figure which shows the movement of the virtual currency between virtual accounts in the processing by the payroll management apparatus which concerns on this embodiment. It is a functional block diagram which showed the function which the payroll management apparatus which concerns on 2nd Embodiment of this invention has. It is a figure which showed an example of the data stored in the virtual account information DB in the payroll management apparatus which concerns on this embodiment. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a figure which shows the movement of the virtual currency between virtual accounts in the processing by the payroll management apparatus which concerns on this embodiment. It is a functional block diagram which showed the function which the payroll management apparatus which concerns on 3rd Embodiment of this invention has. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a functional block diagram which showed the function which the payroll management apparatus which concerns on 4th Embodiment of this invention has. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a functional block diagram which showed the function which the payroll management apparatus which concerns on 5th Embodiment of this invention has. It is a sequence diagram which showed the flow of processing by the payroll management apparatus which concerns on this embodiment. It is a figure which shows the movement of the virtual currency between virtual accounts in the processing by the payroll management apparatus which concerns on this embodiment.

Hereinafter, the payroll management device 1 according to the embodiment of the present invention will be described with reference to the drawings.
FIG. 1 shows the configuration of the payroll management device 1 according to the first embodiment of the present invention.
The salary management device 1 is a device that secures as salary a virtual currency corresponding to the labor receivable of a worker who receives salary payment from the salary payer among the virtual currencies held by the salary payer, and is by a predetermined manager. It is managed.
The payroll management device 1 includes an attendance management device 21 for acquiring worker attendance information, a salary payer terminal 22 used by a payer, a worker terminal 23 used by a worker, and a store terminal 24 used by a store. It is configured to be able to communicate via network NW such as the Internet.

The payroll management device 1 is realized by a so-called server computer or the like, and includes hardware resources such as a CPU (Central Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), and a hard disk drive, and a computer program executed by the CPU. With software resources such as payroll calculation unit 11, securing processing unit 12, judgment processing unit 13, payment processing unit 14, communication processing unit 15, salary payer information DB1A, worker information DB1B, attendance information DB1C, salary information DB1D, And a functional block consisting of virtual account information DB1E.

The salary payer information DB1A is a storage unit that stores information about the salary payer.
In this salary payer information DB1A, for example, as shown in FIG. 2, detailed information such as the name or name of the salary payer, the address, and the salary payer are provided for each salary payer ID that can identify the salary payer. Authentication information for authenticating a salary payer when accessing the salary management device 1 and a worker ID of a worker who works by receiving a salary from the salary payer are stored in association with each other.

The worker information DB1B is a storage unit that stores information about workers.
In this worker information DB1B, for example, as shown in FIG. 3, detailed information including personal information such as a worker's name and address, authentication information, and a worker are provided for each worker ID that can identify the worker. The salary payer ID of the rest payer who is the employer who employs the company is stored in association with it.
The authentication information includes information for authenticating the worker when the worker accesses the payroll management device 1 from the worker terminal 23, and at the store based on the virtual currency held by the worker in his / her virtual account. Information for authenticating the worker in the settlement associated with the purchase of the product when the product is purchased or the like is included.

The virtual account information DB1E is a storage unit that stores information related to virtual accounts of managers, payers, and workers.
Here, the virtual account is a conceptual account in which virtual currency is deposited, and by associating a predetermined amount of virtual currency with information that identifies a predetermined person, the predetermined person can perform the predetermined amount. It is treated as holding the virtual currency of. Then, by changing the target to which the virtual currency is associated, the target holding the virtual currency can be changed, that is, the virtual currency can be moved between the virtual accounts.

In addition, the types of take-home amount, scheduled payment deduction fee, scheduled payment price (tax excluded price), and scheduled payment price (tax) are registered in the virtual currency deposited and withdrawn from each virtual account. The take-home amount is what the worker actually receives, excluding various deductions such as insurance and pension, from the worker's salary. Scheduled deductions are to be paid as various deductions for workers' salaries such as insurance and pensions. The planned payment price (tax excluded price) is the price paid to the store when the worker purchases the product at the store, excluding taxes such as consumption tax. The estimated payment price (tax) is a tax such as consumption tax that is collected or collected by an administrative agency when a worker purchases a product at a store.

FIG. 4 shows an example of a virtual account managed in the virtual account information DB1E.
FIG. 4A shows a virtual account of a salary payer, and a processing history and a balance are stored for each salary payer ID shown in the account name.
The processing history is the deposit / withdrawal history in the virtual account of the salary payer who is the account holder, and includes information on the processing content, date and time, deposit source / withdrawal destination, and amount. The processing content also shows information about the holder of the processed virtual currency, and the deposit source / withdrawal destination shows the information of the holder of the virtual account of the deposit source or the withdrawal destination. There is.

Specifically, in FIG. 4 (a), the content is "take-home amount (worker ID: L001001)", the date and time is "5/2", the deposit / withdrawal destination is "[withdrawal] worker ID: L001001", and the amount. On May 2, the process with "... Yen [withdrawal]" is the amount of money taken by the worker identified by the worker ID of L001001 ... Yen is withdrawn and the worker of L001001 Indicates that the payment has been made to the worker's virtual account identified by ID. In addition, the content is "scheduled deduction fee (worker ID: L001001)", the date and time is "5/2", the deposit source / withdrawal destination is "[withdrawal] administrator", and the amount is "... yen". A certain process was on May 2 as a deduction fee to be paid by a worker identified by a worker ID identified by L001001 ... Yen was withdrawn and deposited into the administrator's virtual account. Is shown.

FIG. 4B shows a worker's virtual account, and the processing history and balance are stored for each worker ID shown in the account name.
Also in this worker's virtual account, the processing history is the deposit / withdrawal history in the virtual account of the salary payer who is the account holder, and includes information on the processing content, date and time, deposit source / withdrawal destination, and amount. .. The processing content also shows information about the holder of the processed virtual currency, and the deposit source / withdrawal destination shows the information of the holder of the virtual account of the deposit source or the withdrawal destination. There is.

Specifically, in Fig. 4 (b), the content is "take-home amount (worker ID: L001001)", the date and time is "5/2", and the deposit source / withdrawal destination is "[deposit] salary payer ID: E001". On May 2, the process with the amount "... yen" is from the salary payer identified by E001 as the take-home amount ... the worker whose yen is identified by the worker ID: L001001. It shows that the payment was made to the virtual account (own virtual account) of.

FIG. 4C shows the virtual account of the administrator, and the processing history is stored for each salary payer ID of the salary payer to be processed or the worker ID of the worker.
In this administrator's virtual account, the processing history is the deposit / withdrawal history in the virtual account of the payer or worker to be processed, and includes information on the processing content, date and time, deposit source / withdrawal destination, and amount. Is done. The processing content also shows information about the holder of the processed virtual currency, and the deposit source / withdrawal destination shows the information of the holder of the virtual account of the deposit source or the withdrawal destination. There is.

Specifically, in FIG. 4 (c), the processing target is "worker ID: L001001", the content of the processing history is "scheduled payment [tax excluded] (worker ID: L001001)", and the date and time is ". The process with "4/28", the deposit source / withdrawal destination is "[Withdrawal] store ID: S001", and the amount is "... yen" is identified by the worker ID of L001001 on April 28. It was secured as the expected payment price of the worker ... It indicates that the virtual currency of yen was withdrawn to the virtual account of the store identified by the store ID of S001.

Further, in this virtual account information DB1E, information on a virtual account managed by another administrator is registered. That is, when a virtual account of a store or an administrative agency is managed by another administrator, information necessary for remittance of virtual currency from the administrator such as the account number of the store or the administrative agency is available. It is registered.
In this example, the virtual accounts of stores and government agencies are managed by other administrators, and for the virtual accounts of these stores and government agencies, only the information such as the account number is registered in the virtual account information DB1E. However, in other embodiments, the payroll management device 1 can also manage virtual accounts of stores and government agencies, and in such an embodiment, the same processing as in the present embodiment can be performed. Is.

Interest rates are generated on the virtual currencies of salary payers and workers managed by the virtual account of the administrator, depending on how they are operated. Therefore, in another embodiment, the interest rate generated for the virtual currency of the salary payer or worker managed by the virtual account of the administrator is returned to the salary payer or worker who holds the virtual currency. May be good. In this case, referring to the information related to the holder of the virtual currency associated with the virtual account of the administrator, the interest rate accrued according to the period under the control of the administrator is the virtual salary payer or the worker. It can be associated with an account, which allows interest to be returned to the payer or worker.

The attendance information DB1C is a storage unit that stores the attendance information of workers. The attendance information is supplied from the attendance management device 21, and the working hours of the worker are grasped from the attendance information.
As shown in FIG. 5, for example, the attendance information DB1C is associated with information related to the date and time, the commuting time, and the leaving time for each worker ID.

The salary information DB1D is a storage unit that stores salary information for each worker.
In this salary information DB1D, for example, as shown in FIG. 6, as salary information for each worker ID, working days, salary amount, approval / non-approval, take-home amount, take-home payment / non-payment, deduction cost, and deduction. Information related to whether or not expenses are paid is stored in association with each other.
Here, the salary is calculated for each working day based on the attendance information.
The presence / absence of approval is information indicating whether or not the salary payer has approved the salary on a predetermined working day. In addition, the presence or absence of securing is information indicating whether or not the take-home amount or the deduction cost has been secured by the worker or the administrative agency, respectively.

The salary calculation unit 11 calculates the amount of salary according to the labor receivable acquired by the worker based on the attendance information stored in the attendance information DB1C.
The salary calculation unit 11 calculates the salary amount for each labor claim acquired by the worker, the take-home amount, the deduction cost, and the like.

As the first securing process, the securing processing unit 12 refers to the virtual account information DB1E and the salary information DB1D, and among the salaries according to the labor claims acquired by the worker, the virtual currency corresponding to the worker's take-home amount is selected. Associate the salary payer's virtual account with the worker's virtual account and register it as the prescribed worker's take-home amount. When the virtual currency is associated with the worker's virtual account, the ownership of the virtual currency is transferred to the designated worker. As a result, regardless of the payer's ability to pay, such as the bankruptcy of the salary payer, the salary based on the labor receivables that the worker has acquired so far is secured as the worker's, and is surely supplied to the worker's hand. Will be done.

Further, as the second securing process, the securing processing unit 12 refers to the virtual account information DB1E and the salary information DB1D, and corresponds to the deduction cost of the worker among the salaries according to the labor claims acquired by the predetermined worker. Associate the virtual currency to be paid from the virtual account of the payer to the virtual account of the administrator, and register it as the deduction fee to be paid by the predetermined worker. Similar to the worker's take-home amount, when the virtual currency is associated with the administrator's virtual account, the ownership of the virtual currency is transferred to the designated worker. As a result, regardless of the payer's ability to pay, such as bankruptcy of the salary payer, the deduction cost to be paid from the worker's salary is secured as that of the worker, and the deduction cost can be reliably paid.

In addition, when a worker purchases a product at a store based on the virtual currency held in his / her virtual account, the securing processing unit 12 refers to the virtual account information DB1E as the third securing processing and works. Of the virtual currency associated with the virtual account of the person, the portion corresponding to the price of the product is associated with the virtual account of the administrator and registered as the planned payment price for the predetermined store. Here, the planned payment price is given a tax-excluded price and a tax type, the tax-excluded price is treated as an expense paid to the store, and the tax is treated as an expense paid to an administrative agency.
As a result, the price of the product including tax is secured regardless of the payment ability of the worker or the store. In addition, as a worker, he / she can purchase products based on the virtual currency secured according to the labor receivables, so that he / she does not have money at hand by the specified salary payment date. You don't have to get a loan of money.
It should be noted that this third securing process is executed only when the determination processing unit 13 described later determines whether or not the price of the product can be settled, and only when the price of the product can be settled.

When a worker purchases a product at a store based on the virtual currency held in his / her virtual account, the judgment processing unit 13 refers to the virtual account information DB1E in response to a payment processing request from the store. , Determine whether the price of the goods can be settled based on the virtual currency associated with the worker's virtual account. That is, the amount of virtual currency associated with the worker's virtual account determines whether or not the price and tax of the product can be covered, and if it can be covered, it is judged that it can be settled, and if it cannot be covered, it cannot be settled. Is judged.

As the first payment process, the payment processing unit 14 pays the price by associating the price of the product purchased by the worker at the store from the virtual account of the manager with the virtual account of the store on a predetermined date.
In addition, as a second payment process, the payment processing unit 14 is an administrative agency that collects or collects taxes on products purchased by workers at stores from the administrator's virtual account on a predetermined date. Pay taxes by associating with a virtual account.
Further, as a third payment process, the payment processing unit 14 associates the worker's deduction fee with the virtual account of the administrative agency that stores or collects the deduction fee from the administrator's virtual account on a predetermined date. Pay the deduction fee.

The communication processing unit 15 is a functional unit that executes transmission / reception processing of various data via the attendance management device 21, salary payer terminal 22, worker terminal 23, store terminal 24, and network NW.

The attendance management device 21 is a computer that acquires and aggregates attendance information composed of time of arrival and departure of workers.
The attendance management device 21 receives input of attendance information from a worker, aggregates the attendance information, and transmits the attendance information to the payroll management device 1 configured to be communicable via the payroll management device 1 and the network NW.
The attendance management device 21 may be provided as a dedicated device such as a time recorder, or may be incorporated as software in an employee terminal.

The salary payer terminal 22 is a terminal used by a salary payer or an employer who employs a worker and pays the worker, and is a so-called personal computer, a tablet terminal, or a portable type capable of transmitting and receiving data. It is realized by smart devices such as telephones.
The payroll payer terminal 22 outputs communication processing means for executing various data transmission / reception processing via the payroll management device 1 and the network NW, and outputs worker attendance information received from the payroll management device 1 or the like. It is equipped with an input / output means for inputting approval for attendance information.

The worker terminal 23 can meet at a worker or a terminal used by a worker who is employed by a salary payer and receives salary payment from the salary payer, and can send and receive so-called personal computers, tablet terminals, and data. It is realized by smart devices such as portable phones.
The worker terminal 23 includes a communication processing means for executing various data transmission / reception processing via the payroll management device 1 and the network NW, and an input / output means for inputting / outputting various data. Then, by these means, a salary securing processing request can be transmitted to the salary management device 1.

The store terminal 24 is a terminal provided in a store where workers purchase products, and is realized by a so-called personal computer, a tablet terminal, a smart device such as a mobile phone capable of transmitting and receiving data, and the like.
The store terminal 24 includes a communication processing means for executing data transmission / reception via the payroll management device 1 and the network NW, and an input / output means for inputting / outputting various data. Then, by these means, it is possible to input / output and send / receive data related to the sale of goods to workers. The input / output means includes, for example, a card reader for acquiring authentication information for authenticating the worker who purchased the product at the time of payment associated with the sale of the product.
In the explanation of the payroll management device 1 according to the present embodiment, the settlement when the worker purchases the product at the store is mentioned, but the "purchase of the product" should not be narrowly understood and the service. It is intended for various paid transactions between workers and stores, including the provision of goods.

Subsequently, the flow of processing by the payroll management device 1 according to the present embodiment will be described.
The salary payer holds a certain amount of money in the virtual account as a virtual currency in advance as a source of salary to be paid to the worker.
First, FIG. 7 describes a flow from collecting worker attendance information to approving the amount of salary based on the attendance information by the salary payer.

The worker inputs the attendance information into the attendance management device 21 according to the work (S101). The input attendance information is transmitted to the payroll management device 1 (S102) and stored in the attendance information DB1C (S103).
The salary management device 1 calculates the salary by the salary calculation unit 11 with reference to the attendance information DB1C (S104), and stores the calculated salary amount in the salary information DB1D (S105).

When the amount of salary is determined, the salary management device 1 transmits an approval request for approval of the salary payer to the salary payer terminal 22 (S106).
The salary payer who received the approval request confirms the amount of the worker's salary, and if there is no problem, sends the approval to the salary management device 1 (S107).

When the payroll management device 1 receives the approval from the payroll payer terminal 22, the payroll management device 1 refers to the payroll information storage unit and registers the approval (S108). The registered approval content, that is, the approved salary amount is notified to the worker via the worker terminal 23 (S109).
Here, the salary approved by the salary payer can be secured by the worker at any time as a labor claim of the worker.

Next, with reference to FIG. 8, the flow of processing when the worker requests the manager to secure the salary, that is, the labor claim, which is approved by the salary payer, will be described.
The worker uses the worker terminal 23 to send a secure processing request to the payroll management device 1 for the predetermined labor receivables he / she holds (S201).

The payroll management device 1 that receives the securing processing request from the worker terminal 23 executes the processing for securing the take-home amount and the deduction cost for the predetermined labor receivable by the securing processing unit 12 (S202). That is, the securing processing unit 12 refers to the virtual account information DB1E and the salary information DB1D, and pays the salary payer the virtual currency corresponding to the take-home amount of the worker among the salaries according to the labor receivable for which the securing processing is requested. Associate the worker's virtual account with the worker's virtual account and register it as the worker's take-home amount. At the same time, the securing processing unit 12 refers to the virtual account information DB1E and the salary information DB1D, and pays the virtual currency corresponding to the deduction cost of the worker among the salaries according to the labor claims for which the securing processing is requested. Associate the virtual account of the person with the virtual account of the administrator and register it as a deduction fee to be paid.

Here, the transfer of virtual currency between virtual accounts when the salary / deduction cost securing process (S202) is executed will be described with reference to FIG.
The take-back amount is associated from the employer's virtual account to the worker's virtual account. This allows workers to freely use the virtual currency deposited in their virtual account as a take-home amount. Workers can use the virtual currency as it is, or exchange it for cash if necessary.
Deductions are also associated from the employer's virtual account to the administrator's virtual account.

When the salary securing process including the take-home amount and the deduction cost based on the predetermined labor receivable is completed, the salary information DB1D registers the information indicating that the salary subject to the securing process has been secured (S203).

Next, a process when a worker makes a purchase at a store based on the virtual currency held in his / her virtual account will be described with reference to FIG.
When a worker makes a purchase at a store (S301) and requests the store to make a payment based on the virtual currency held in his / her virtual account, the store terminal 24 makes a payment processing request to the payroll management device 1. Sent (S302).

Here, when the worker requests payment to the store, the worker supplies the store with authentication information for authenticating the worker. The authentication information may be stored in a medium such as an IC chip.
Further, the payment processing request from the store single terminal to the payroll management device 1 is accompanied by information for identifying and authenticating the worker, store information, and information such as product contents and price.

The payroll management device 1 that has received the payment processing request from the store terminal 24 determines whether or not payment is possible by the determination processing unit 13 (S303). That is, the determination processing unit 13 refers to the virtual account information DB1E and determines whether or not the price of the product can be covered by the amount of the virtual currency associated with the worker's virtual account.

As a result, if it is determined that payment is not possible, an error is notified to the store terminal 24 (S304).
On the other hand, when it is determined that the settlement is possible, the securing processing unit 12 executes the securing processing of the price associated with the purchase of the product (S305). That is, the securing processing unit 12 refers to the virtual account information DB1E, associates the portion of the virtual currency associated with the worker's virtual account with the administrator's virtual account, and determines the amount corresponding to the price of the product. Register as the estimated payment price for the store. Here, the scheduled payment price is further divided into the tax-excluded price paid to the store and the scheduled tax payment to be paid to the administrative agency and registered.

Here, the transfer of virtual currency between virtual accounts when the price securing process (S305) is executed will be described with reference to FIG.
The price is associated from the worker's virtual account to the administrator's virtual account, including tax-excluded and tax. As a result, the virtual currency for the price of the product cannot be freely disposed of by the worker, and there is no risk that the settlement of the price for the product will be defaulted.

When a predetermined date such as the end of the month arrives, the payment process for the product is executed (S306).
That is, the payment processing unit 14 associates the tax-excluded price of the product from the virtual account of the administrator to the virtual account of the store, whereby the tax-excluded price of the product to be paid to the store is paid. In addition, the payment processing unit 14 associates the tax generated by the purchase of the product by the worker from the virtual account of the administrator to the virtual account of the administrative agency, whereby the tax of the product is paid to the administrative agency. Further, the payment processing unit 14 associates the deduction cost of the worker from the virtual account of the manager to the virtual account of the administrative agency, whereby the deduction fee is paid to the administrative agency.

Here, the transfer of virtual currency between virtual accounts when the payment process (S306) is executed will be described with reference to FIG.
The tax-excluded price is associated from the administrator's virtual account to the virtual account of the store that sold the goods to the workers. In addition, deductions and taxes incurred from the sale of goods are associated from the administrator's virtual account to the government's virtual account. This completes the payment process for the purchase and sale of goods, taxes, and deductions.

According to the salary management device 1 according to the above embodiment, the labor receivables of the workers are not unpaid and the deduction expenses are not unpaid, and the lives of the workers who are working seriously are protected. ..
In addition, workers can shop based on their daily labor receivables, eliminating the need to borrow interest-bearing debt by the payday.
In addition, the system for securing salaries and taxes is linked with the personnel, attendance, and salary systems, so that when, who, who, for what purpose, and how much money to pay can be instantly determined.
In addition, since payments are made in virtual currency, the source of receivables and the process of transactions are clarified, and fraud can be prevented.
Furthermore, since all payments are made automatically, the costs required for paying salaries and collecting taxes can be significantly reduced.

FIG. 11 shows the configuration of the payroll management device 3 according to the second embodiment of the present invention.
In the present embodiment, unlike the first embodiment, when the take-home amount of salary based on the labor receivable acquired by the worker is secured, it is registered as the take-home amount of the worker in the virtual account of the manager.
Similar to the salary management device 3 according to the first embodiment, the salary management device 3 uses the virtual currency held by the salary payer according to the labor receivables of the worker who receives the salary from the salary payer. It is a device that is secured as salary and is managed by a designated manager.
The payroll management device 3 includes an attendance management device 21 for acquiring worker attendance information, a salary payer terminal 22 used by a payer, a worker terminal 23 used by a worker, and a store terminal 24 used by a store. It is configured to be able to communicate via network NW such as the Internet.

The payroll management device 3 is realized by a so-called server computer or the like, and includes hardware resources such as a CPU (Central Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), and a hard disk drive, and a computer program executed by the CPU. With software resources such as payroll calculation unit 31, securing processing unit 32, judgment processing unit 33, payment processing unit 34, remittance processing unit 35, communication processing unit 36, salary payer information DB3A, worker information DB3B, attendance information DB3C , Salary information DB3D, and virtual account information DB3E.

The functions of the payroll unit 31, the communication processing unit 36, the payroll payer information DB3A, the worker information DB3B, the attendance information DB3C, and the payroll information DB3D are the payroll unit 31 and the communication in the first embodiment described above, respectively. The functions are the same as those of the processing unit 36, salary payer information DB3A, worker information DB3B, attendance information DB3C, and salary information DB3D.

The virtual account information DB3E is a storage unit that stores information related to the virtual accounts of the administrator, the payer, and the worker, as in the first embodiment. , The content of processing in the administrator's virtual account is different from the first embodiment.

FIG. 12 shows an example of a virtual account managed in the virtual account information DB3E of this example.
FIG. 12A shows a virtual account of a salary payer, and a processing history and a balance are stored for each salary payer ID shown in the account name.
In the processing history, in this embodiment, the take-home amount of the worker may be transferred from the virtual account of the payer to the virtual account of the administrator.

Specifically, in Fig. 12 (a), the content is "take-home amount (worker ID: L001001)", the date and time is "5/2", the deposit / withdrawal destination is "[withdrawal] administrator", and the amount is "・・ ・ Yen [withdrawal] ”is processed on May 2 as the amount of money taken by the worker identified by the worker ID of L001001 ... Yen is withdrawn and deposited into the administrator's virtual account. It shows that it was done.

FIG. 12B shows a worker's virtual account, and the processing history and balance are stored for each worker ID shown in the account name.
In the processing history, in this embodiment, the take-home amount of the worker may be transferred from the virtual account of the manager to the virtual account of the worker.

Specifically, in Fig. 12 (b), the content is "take-home amount (worker ID: L001001)", the date and time is "5/2", the deposit source / withdrawal destination is "[deposit] administrator", and the amount is On May 2nd, the process with "... Yen" was sent from the administrator as a take-home amount ... Yen to the worker's virtual account (own virtual account) identified by the worker ID: L001001. Indicates that the deposit has been made.

FIG. 12C shows the virtual account of the administrator, and in this embodiment, the processing history is stored for each salary payer ID of the salary payer to be processed or the worker ID of the worker. In addition, information related to the balance of the virtual currency managed as the virtual currency of each processing target person is stored.
In the processing history, in this embodiment, the amount of money taken by the worker may be transferred from the administrator virtual account to the worker's virtual account. In addition, the take-home amount of the worker held in the administrator's virtual account may be registered as the estimated payment price when the worker purchases the product at the store.

Specifically, in FIG. 12 (c), the processing target is "worker ID: L001001", the content of the processing history is "take-home amount (worker ID: L001001)", the date and time is "4/28", and the payment is made. The process with the original / withdrawal destination "[Withdrawal] worker ID: L001001" and the amount "... Yen" was sent from the administrator on April 28 as the take-back amount ... Yen is L001001. Indicates that the withdrawal was made to the worker's virtual account identified by. In addition, the processing target is "worker ID: L001001", the content of the processing history is "planned payment [tax excluded] (store ID: S001), date and time is" 5/3 ", deposit source / withdrawal. The processing with the destination "-" and the amount "... yen" is on May 3 for the amount of the amount managed by the manager as the worker's take-home amount ... yen in May. On the 3rd, it shows that it was registered as the estimated payment price (excluding tax) to the store identified by the store ID of S001.

As in the first embodiment, the virtual account information DB3E is registered with the information of the virtual account managed by another administrator. That is, when a virtual account of a store or an administrative agency is managed by another administrator, information necessary for remittance of virtual currency from the administrator such as the account number of the store or the administrative agency is available. It is registered.
Further, in this example, the virtual account of the store or the administrative agency is managed by another administrator, and for the virtual account of the store or the administrative agency, only the information such as the account number is registered in the virtual account information DB3E. However, in another embodiment, the payroll management device 3 can also manage virtual accounts of stores and government agencies, and in such an embodiment, the same processing as in this embodiment is performed. Is possible.

In addition, interest rates are generated on the virtual currencies of salary payers and workers managed by the virtual account of the administrator, depending on how they are operated. Therefore, in another embodiment, the interest rate generated for the virtual currency of the salary payer or worker managed by the virtual account of the administrator is returned to the salary payer or worker who holds the virtual currency. May be good. In this case, referring to the information related to the holder of the virtual currency associated with the virtual account of the administrator, the interest rate accrued according to the period under the control of the administrator is the virtual salary payer or the worker. It can be associated with an account, which allows interest to be returned to the payer or worker. In addition, regarding the amount of the worker's take-home payment managed by the manager in the manager's virtual account, the interest rate generated until the amount of the take-home payment is transferred to the worker's virtual account is returned to the worker's salary payer. It may be the one to do. In this case, the interest rate calculated based on the balance of the worker's take-home amount may be associated with the virtual account of the worker's salary payer.

As the first securing process, the securing processing unit 32 refers to the virtual account information DB3E and the salary information DB3D, and out of the salaries according to the labor claims acquired by the predetermined worker, the virtual equivalent to the amount taken by the worker. Associate the currency from the payer's virtual account to the administrator's virtual account and register it as the take-home amount of the given worker. When the virtual currency is associated with the administrator's virtual account, the ownership of the virtual currency is transferred to the designated worker. As a result, regardless of the payer's ability to pay, such as the bankruptcy of the salary payer, the salary based on the labor receivables that the worker has acquired so far is secured as the worker's, and is surely supplied to the worker's hand. Will be done.

Further, as the second securing process, the securing processing unit 32 refers to the virtual account information DB3E and the salary information DB3D, and out of the salary according to the labor receivable acquired by the worker, the virtual corresponding to the deduction cost of the worker. Associate the currency from the payer's virtual account to the administrator's virtual account and register it as a deduction to be paid. Similar to the worker's take-home amount, when the virtual currency is associated with the administrator's virtual account, the ownership of the virtual currency is transferred to the designated worker. As a result, regardless of the payer's ability to pay, such as bankruptcy of the salary payer, the deduction cost to be paid from the worker's salary is secured as that of the worker, and the deduction cost can be reliably paid.

In addition, when a worker purchases a product at a store and wishes to make a payment based on the worker's virtual currency associated with the administrator's virtual account, the securing processing unit 32 performs virtual as a third securing processing. With reference to the account information DB3E, among the virtual currencies associated with the worker's take-home amount in the administrator's virtual account, the portion corresponding to the price of the product is registered as the scheduled payment price.

On the other hand, when a worker purchases a product at a store and wishes to make a payment based on the virtual currency associated with the worker's virtual account, the securing processing unit 32 uses the virtual account information DB3E as the fourth securing processing. With reference to the virtual currency associated with the worker's virtual account, the portion corresponding to the price of the product is associated with the administrator's virtual account and registered as the planned payment price.

Here, in the third securing process and the fourth securing process, the tax-excluded price and the tax type are given to the planned payment price, the tax-excluded price is treated as an expense paid to the store, and the tax is an administrative agency. It is treated as an expense paid to.
As a result, the price of the product including tax is secured regardless of the payment ability of the worker or the store. In addition, as a worker, he / she can purchase products based on the virtual currency secured according to the labor receivables, so that he / she does not have money at hand by the specified salary payment date. You don't have to get a loan of money.
The third securing process and the fourth securing process are executed only when the price of the product can be settled when the judgment processing unit 33, which will be described later, determines whether or not the price of the product can be settled. NS.

When a worker purchases a product at a store and wishes to make a payment based on the worker's virtual currency associated with the administrator's virtual account, the judgment processing unit 33 performs the store as the first judgment processing. In response to the payment processing request from, among the virtual currencies associated as the worker's virtual currency in the administrator's virtual account with reference to the virtual account information DB3E, the scheduled payment price, the scheduled payment deduction fee, or Determine whether or not to settle the price of the product based on the virtual currency that is not registered as the tax to be paid. That is, among the workers' virtual currencies associated with the administrator's virtual account, the price and tax of the goods can be covered by the amount of the virtual currency whose use is not fixed and can be freely disposed of by the worker. It is judged whether or not it can be settled, and if it can be covered, it is judged that it can be settled, and if it cannot be covered, it is judged that it cannot be settled.

On the other hand, when a worker purchases a product at a store and wishes to make a payment based on the virtual currency associated with the worker's virtual account, as a second judgment process, in response to a payment processing request from the store. , Virtual account information DB3E is referred to, and it is determined whether or not the price of the product can be settled based on the virtual currency associated with the worker's virtual account. That is, the amount of virtual currency associated with the worker's virtual account determines whether or not the price and tax of the product can be covered, and if it can be covered, it is judged that it can be settled, and if it cannot be covered, it cannot be settled. Is judged.

As the first payment process, the payment processing unit 34 pays the price by associating the tax-excluded price of the product purchased by the worker at the store from the virtual account of the administrator to the virtual account of the store on a predetermined date. conduct.
In addition, as a second payment process, the payment processing unit 34 pays the tax by associating the tax on the goods purchased by the worker at the store from the virtual account of the administrator to the virtual account of the administrative agency on a predetermined date. I do.
In addition, as the third payment processing, the payment processing unit 34 refers to the virtual account information DB3E on a predetermined date, and among the virtual currencies related to the salary according to the labor receivable acquired by the worker, the payment scheduled price, Pay a worker by associating a deduction fee to be paid or a portion not registered as a tax to be paid with the worker's virtual account.
Further, as the fourth payment processing, the payment processing unit 34 refers to the virtual account information DB3E on a predetermined date and associates the deduction cost of the worker from the virtual account of the administrator to the virtual account of the administrative agency. , Pay the deduction fee.

When the remittance processing unit 35 receives a remittance instruction of a predetermined amount of virtual currency from the worker terminal 23, the remittance processing unit 35 refers to the virtual account information DB3E and is associated with the worker's take-home amount in the administrator's virtual account. Among the virtual currencies that are being used, a process of associating a predetermined amount of virtual currency with a worker's virtual account is executed.
In this remittance process, the virtual currency that can be associated with the worker's virtual account is limited to those that are not registered as the planned payment price, the scheduled payment deduction fee, or the scheduled payment tax.

Subsequently, the flow of processing by the payroll management device 3 according to the present embodiment will be described.
The salary payer holds a certain amount of money in the virtual account as a virtual currency in advance as a source of salary to be paid to the worker.
First, as described with reference to FIG. 7 with respect to the first embodiment described above, the worker's attendance information is collected, and the amount of salary based on the attendance information is approved by the salary payer.

Next, with reference to FIG. 13, regarding the salary approved by the salary payer, the flow of processing when the worker requests the manager to secure the salary will be described.
The worker uses the worker terminal 23 to send a secure processing request to the payroll management device 3 for the predetermined labor receivables he / she holds (S401).

The payroll management device 3 that receives the securing processing request from the worker terminal 23 executes the processing for securing the take-home amount and the deduction cost for the predetermined labor receivable by the securing processing unit 32 (S402). That is, the securing processing unit 32 refers to the virtual account information DB3E and the salary information DB3D, and pays the salary payer the virtual currency corresponding to the take-home amount of the worker among the salaries according to the labor receivables for which the securing processing is requested. Associate the virtual account of the administrator with the virtual account of the administrator and register it as the take-home amount of the worker.
At the same time, the securing processing unit 32 refers to the virtual account information DB3E and the salary information DB3D, and pays the virtual currency corresponding to the deduction cost of the worker among the salaries according to the labor receivable for which the securing processing is requested. Associate the worker's virtual account with the administrator's virtual account and register it as a deduction fee to be paid by the worker.

Here, the transfer of virtual currency between virtual accounts when the salary / deduction cost securing process (S402) is executed will be described with reference to FIG.
The take-back amount is associated from the employer's virtual account to the administrator's virtual account. This allows workers to also associate deductions from the employer's virtual account to the administrator's virtual account. As a result, the salary according to the labor claims of the workers is secured.

When the salary securing process including the take-home amount and the deduction cost based on the predetermined labor receivable is completed, the salary information DB3D registers the information indicating that the salary subject to the securing process has been secured (S403).

Next, the process of remittance of the worker's virtual currency secured in the manager's virtual account to the worker's virtual account at the request of the worker will be described with reference to FIG.
The worker uses the worker terminal 23 to send a remittance instruction to the payroll management device 3 requesting that a predetermined amount of his / her virtual currency secured in the administrator's virtual account be transferred to his / her virtual account. (S501).
In addition, the amount of virtual currency that a worker can request remittance is registered as the scheduled payment price, the scheduled payment deduction fee, or the scheduled payment tax among the virtual currencies associated with the worker's salary in the administrator's account. Limited to the range of unpaid amounts.

In response to this, the payroll management device 3 is designated by the remittance processing unit 35 among the virtual currencies associated with the worker's take-home amount in the administrator's virtual account with reference to the virtual account information DB3E. Executes the process of associating a fixed amount of virtual currency with a worker's virtual account (S502).

Here, the transfer of virtual currency between virtual accounts when the remittance process (S502) is executed will be described with reference to FIG.
A predetermined amount of virtual currency specified by the worker is associated from the administrator's virtual account to the worker's virtual account. This allows workers to freely use the virtual currency deposited in their virtual account as a take-home amount. Workers can use the virtual currency as it is, or exchange it for cash if necessary.
The virtual currency registered as the scheduled payment price, the scheduled deduction fee, or the scheduled tax to be paid remains associated with the administrator's virtual account without being transferred to the worker's virtual account.

Next, a process when a worker makes a purchase at a store based on his / her own virtual currency secured in the administrator's account or the virtual currency held in his / her own virtual account will be described with reference to FIG. ..
When a worker makes a purchase at a store (S601), he / she makes a payment to the store based on the virtual currency of his / her virtual currency associated with the administrator's virtual account, or the virtual currency held in his / her virtual account. Specify one of the payment methods for payment based on. In response to this, the store transmits a payment processing request based on the payment method specified by the worker to the payroll management device 3 by the store terminal 24 (S602).

Here, as in the first embodiment, in the payment request from the worker to the store, the worker supplies the authentication information for authenticating the worker to the store. The authentication information may be stored in a medium such as an IC chip.
Further, regarding the payment processing request from the store single terminal to the payroll management device 3, as in the first embodiment, information for identifying and authenticating the worker, store information, and information such as product contents and price. Is attached.

The payroll management device 3 that has received the payment processing request from the store terminal 24 determines whether or not payment is possible by the determination processing unit 33 (S603). That is, when payment based on the worker's virtual currency associated with the administrator's virtual account is specified, the judgment processing unit 33 refers to the virtual account information DB3E and the worker in the administrator's virtual account. Among the virtual currencies associated with the virtual currency of, it is determined whether or not the price of the product can be settled based on the virtual currency that is not registered as the scheduled payment price, the scheduled payment deduction fee, or the scheduled payment tax. On the other hand, when the settlement based on the virtual currency associated with the worker's virtual account is specified, the judgment processing unit 33 refers to the virtual account information DB3E and the virtual associated with the worker's virtual account. Determine whether or not to settle the price of the product based on the currency.

As a result, if it is determined that payment is not possible, an error is notified to the store terminal 24 (S604).
On the other hand, when it is determined that the settlement is possible, the securing processing unit 32 executes the securing processing of the price associated with the purchase of the product (S605). That is, when payment based on the worker's virtual currency associated with the administrator's virtual account is specified, the securing processing unit 32 refers to the virtual account information DB3E and puts the labor in the administrator's virtual account. Of the virtual currency associated with the person's take-home amount, the amount corresponding to the price of the product is registered as the planned payment price. On the other hand, when payment based on the virtual currency associated with the worker's virtual account is specified, the securing processing unit 32 refers to the virtual account information DB3E and is associated with the worker's virtual account. Of the virtual currency, the portion corresponding to the price of the product is associated with the administrator's virtual account and registered as the planned payment price. Here, the scheduled payment price is further divided into the tax-excluded price paid to the store and the scheduled tax payment to be paid to the administrative agency and registered.

Here, the transfer of virtual currency between virtual accounts when the price securing process (S605) is executed will be described with reference to FIG.
When payment based on the worker's virtual currency associated with the administrator's virtual account is specified (Price securing process A in FIG. 16), there is no transfer of virtual currency between the virtual accounts, and the administrator's Of the virtual currencies associated with the virtual account, only the portion corresponding to the price of the product is registered as the planned payment price. On the other hand, if payment based on the virtual currency associated with the worker's virtual account is specified (Price securing process B in FIG. 16), the price will be the worker's price, including tax-excluded price and tax. Associated with the administrator's virtual account from the virtual account. As a result, the virtual currency for the price of the product cannot be freely disposed of by the worker, and there is no risk that the settlement of the price for the product will be defaulted.

When a predetermined date such as the end of the month arrives, the payment process for the remaining take-back amount of the worker and the price of the product is executed (S606). That is, the payment processing unit 34 pays the price by associating the tax-excluded price of the product purchased by the worker at the store from the virtual account of the manager to the virtual account of the store. In addition, the payment processing unit 34 pays the tax by associating the tax on the goods purchased by the worker at the store from the virtual account of the administrator to the virtual account of the administrative agency. Further, the payment processing unit 34 is the portion of the virtual currency related to the salary according to the labor receivable acquired by the worker that is not registered as the planned payment price, the scheduled payment deduction fee, or the scheduled payment tax (remaining take-back amount). Pays the worker by associating it with the worker's virtual account.

Here, the transfer of virtual currency between virtual accounts when the payment process (S606) is executed will be described with reference to FIG.
The tax-excluded price is associated from the administrator's virtual account to the virtual account of the store that sold the goods to the workers. In addition, deductions and taxes incurred from the sale of goods are associated from the administrator's virtual account to the government's virtual account. Furthermore, of the virtual currency related to salary according to the labor receivable acquired by the worker, the portion not registered as the planned payment price, the scheduled payment deduction fee, or the scheduled payment tax, that is, the portion secured by the manager and the worker The remaining take-back amount remaining in the administrator's virtual account without being transferred to the worker's virtual account is associated with the worker's virtual account. This completes the payment process for the purchase and sale of goods, taxes, deductions, and the remaining amount of the worker.

According to the salary management device 3 according to the above embodiment, the worker's take-home amount is secured in the manager's virtual account, and the salary and deduction expenses based on the worker's labor receivable are unpaid or unpaid. It can be prevented.

Regarding the payroll management devices 1 and 3 according to the first and second embodiments of the present invention described above, the payroll management according to the third embodiment in which another settlement process is applied to the purchase of goods at a store by a worker. The device 4 will be described.
FIG. 17 shows the device configuration of the payroll management device 4 according to the present embodiment, which enables the payment (immediate settlement) by the existing Debit Card for the payroll management device 1 according to the first embodiment. There is.
In this example, the payroll management device 4 is a network NW such as an immediate payment terminal 25, a financial institution terminal 26, and the Internet, in addition to the above-mentioned attendance management device 21, salary payer terminal 22, worker terminal 23, and store terminal 24. It is configured to be able to communicate via.

The payroll management device 4 according to the present embodiment is realized by a so-called server computer or the like like the payroll management device 4 according to the first embodiment, and is realized by a CPU (Central Processing Unit), RAM (Random Access Memory), ROM (Read). Only Memory), hardware resources such as hard disk drive, and software resources such as computer programs executed by the CPU, payroll unit 11, secure processing unit 12, judgment processing unit 13, payment processing unit 14, communication processing unit 15, payroll In addition to having a functional block consisting of personal information DB1A, worker information DB1B, attendance information DB1C, salary information DB1D, and virtual account information DB1E, it also has a withdrawal processing unit 41.

When the withdrawal processing unit 41 receives an immediate settlement processing request for the price of the product purchased by the worker from the instant payment terminal 25, the withdrawal processing unit 41 refers to the virtual account information DB1E and converts the worker's virtual account into the price of the product. Withdraw the equivalent virtual currency.

When the judgment processing unit 13 in the present embodiment is requested by the immediate settlement terminal 25 to withdraw the predetermined price from the worker's virtual account, the judgment processing unit 13 is based on the virtual currency in the worker's virtual account. Determine whether or not a predetermined price can be withdrawn.

The instant payment terminal 25 is a terminal installed under an intermediary who mediates immediate payment processing by a debit card, and is realized by a so-called server computer or the like.
When a worker purchases a product at a store, the immediate payment terminal 25 causes the payroll management device 4 to withdraw the price in response to a request from the store terminal 24, and causes a financial institution to deposit the price to the store. To execute.

The financial institution terminal 26 is a terminal installed under a financial institution that manages store accounts, and is realized by a so-called server computer or the like.
The financial institution terminal 26 executes a process of depositing a predetermined price into the store account in response to a request from the immediate payment terminal 25.

Next, the processing by the payroll management device 4 according to the present embodiment will be described with reference to FIG.
The process by the payroll management device 4 according to the present embodiment is characterized by the settlement associated with the shopping of the worker, and only this point will be described, but the other points are the same as the above-mentioned example.
First, when a worker makes a purchase at a store (S701) and requests the store to make an immediate payment based on the virtual currency held in his / her virtual account, the store terminal 24 sends an immediate payment process to the immediate payment terminal 25. The request is sent (S702).
When requesting immediate payment processing, a debit card that enables immediate payment based on the virtual currency held in the virtual account is used. At least, an IC chip or the like stores information for identifying a worker and information such as an access destination to the payroll management device 4 on the debit card.

In response to this, the immediate payment terminal 25 transmits a withdrawal processing request for the price of the product purchased by the worker to the payroll management device 4 (S703). The withdrawal processing request is accompanied by information for identifying and authenticating the worker, store information, and information such as the content and price of the product.

The payroll management device 4 that has received the withdrawal processing request from the store terminal 24 determines whether or not the withdrawal is possible by the determination processing unit 13 (S704). That is, the determination processing unit 13 refers to the virtual account information DB and determines whether or not the price of the product can be covered by the amount of the virtual currency associated with the worker's virtual account.

As a result, when it is determined that the withdrawal is impossible, an error is notified to the immediate payment terminal 25 (S705).
On the other hand, when it is determined that the withdrawal is possible, the withdrawal processing unit 41 refers to the virtual account information DB, and the price associated with the purchase of the product is withdrawn from the worker's virtual account (S706).
When the withdrawal is completed, the payroll management device 4 sends a notification to the immediate payment terminal 25 to the effect that the withdrawal of the virtual currency corresponding to the price has been completed (S707).

In response to this, the immediate payment terminal 25 transmits to the financial institution terminal 26, as processing information, the fact that the withdrawal process has been completed, the store information, and the information related to the price to be paid to the store (S708).
The financial institution terminal 26 deposits a predetermined price into the store account based on the processing information (S709).
As a result, the immediate settlement process is completed in the worker's virtual account based on the virtual currency.

According to this embodiment, by linking the API with the existing debit card system, it is possible to use the instant payment processing that is already widespread. As a result, the already widespread immediate settlement process can be used for labor receivables.

In the above embodiment, the case where the immediate settlement process is applied to the payroll management device 1 according to the first embodiment is shown, but the same applies to the payroll management device 3 according to the second embodiment. It is possible.
Here, in the first embodiment, the worker's take-home amount was in the worker's virtual account, but in the second embodiment, the worker's take-home amount is not only in the worker's virtual account but also in the manager. May be in your virtual account. Therefore, when the above-mentioned immediate settlement process is applied to the payroll management device 3 according to the second embodiment, the withdrawal of the price is performed by the worker's virtual account or the worker's virtual account. It can be done from any of the take-home amounts. Which one to use may be preset, or may be selectable by the worker.

In addition, the total amount of the worker's virtual currency of the worker's virtual account or the worker's take-home amount managed by the administrator's virtual account is regarded as the amount that can be immediately settled, and the judgment processing department is based on the total amount. It is also possible to judge whether or not the price can be withdrawn. Then, when the price can be withdrawn by the total amount, the withdrawal processing unit 41 withdraws the necessary price from each of the worker's virtual account and the administrator's virtual account so that the total withdrawal amount becomes the price. do. Such processing is convenient because the worker can use instant settlement regardless of whether the worker's virtual currency is in the worker's or manager's account.

Regarding the payroll management devices 1 and 3 according to the first and second embodiments of the present invention described above, the fourth embodiment enables a process of charging a worker's virtual currency to a prepaid card held by the worker. The payroll management device 5 will be described.
FIG. 19 shows the device configuration of the payroll management device 5 according to the present embodiment, which enables the prepaid card to be charged with respect to the payroll management device 1 according to the first embodiment.
In this example, the payroll management device 5 is a network such as a card manager terminal 27, a financial institution terminal 28, and the Internet, in addition to the above-mentioned attendance management device 21, salary payer terminal 22, worker terminal 23, and store terminal 24. It is configured to be able to communicate via NW.

The payroll management device 5 according to the present embodiment is realized by a so-called server computer or the like, like the payroll management device 1 according to the first embodiment, and has a CPU (Central Processing Unit), a RAM (Random Access Memory), and a ROM (Read). Only Memory), hardware resources such as hard disk drive, and software resources such as computer programs executed by the CPU, payroll unit 11, secure processing unit 12, judgment processing unit 13, payment processing unit 14, communication processing unit 15, payroll In addition to having a functional block consisting of personal information DB1A, worker information DB1B, attendance information DB1C, salary information DB1D, and virtual account information DB1E, it also has a remittance processing unit 51.

When the remittance processing unit 51 receives a remittance request of a predetermined amount for charging the prepaid card held by the worker from the card administrator terminal 27, the remittance processing unit 51 refers to the virtual account information DB and from the worker's virtual account. Executes the process of withdrawing the virtual currency corresponding to the predetermined charge amount.

When the judgment processing unit 13 in the present embodiment receives a remittance request of a predetermined amount from the card administrator terminal 27, the determination processing unit 13 of the predetermined amount is based on the virtual currency in the worker's virtual account. Determine if the virtual currency can be withdrawn.

The card manager terminal 27 is a terminal installed under the card manager who manages the prepaid card, and is realized by a so-called server computer or the like.
The card manager terminal 27 receives a charge request of a predetermined charge amount from the worker to the prepaid card, and in response to this, deposits virtual currency corresponding to the predetermined charge amount to the payroll management device 5. Request.

The financial institution terminal 28 is a terminal installed under a financial institution that manages the account of a card administrator, and is realized by a so-called server computer or the like.
The financial institution terminal 28 receives a deposit from the administrator to the account of the card administrator for the virtual currency corresponding to the predetermined charge amount, and performs the deposit process. The deposit from the administrator to the financial institution may be the conversion of virtual currency into cash.

Next, the processing by the payroll management device 5 according to the present embodiment will be described with reference to FIG.
The process by the payroll management device 5 according to the present embodiment is characterized in that the prepaid card is charged, and only this point will be described, but other points are the same as in the above-described example.
First, when the worker requests the card administrator to charge the prepaid card with a predetermined amount (S801), the card administrator terminal 27 sends a remittance request for the predetermined amount to the payroll management device 5 (S801). S802). The remittance processing request is accompanied by information for identifying and authenticating the worker, information on the card manager, information on the predetermined charge amount, and information on the account of the card manager to whom the remittance is sent.

The payroll management device 5 that receives the remittance request from the card administrator terminal 27 determines whether or not the remittance is possible by the determination processing unit 13 (S803). That is, the determination processing unit 13 refers to the virtual account information DB1E and determines whether or not the predetermined charge amount can be covered by the amount of the virtual currency associated with the worker's virtual account.

As a result, if it is determined that remittance is impossible, an error is notified to the card administrator terminal 27 (S804).
On the other hand, when it is determined that remittance is possible, the remittance processing unit 51 refers to the virtual account information DB1E, the virtual currency corresponding to the predetermined charge amount is deducted from the worker's virtual account, and it is under the control of the financial institution. The debited virtual currency is remitted to the card administrator's account in (S805).
When the remittance is completed, the payroll management device 5 sends a remittance result notification to the card administrator terminal 27 to the effect that the remittance of the virtual currency corresponding to the predetermined charge amount has been completed (S806).
The remittance may be made in virtual currency, but it can also be converted into cash.

In response to this, the card administrator terminal 27 accesses the financial institution terminal 28 as processing information to confirm the payment (S807), and charges the worker's prepaid card with a predetermined charge amount (S808). The prepaid card can also be charged when the remittance result notification is received from the payroll management device 5.
As a result, the charging process to the prepaid card is completed based on the virtual currency in the worker's virtual account.

According to this embodiment, it is possible to use a prepaid card that has already become widespread by linking it with an existing prepaid card system via API. As a result, prepaid cards that are already in widespread use can be charged based on labor claims.

In the above embodiment, the case where the immediate settlement process is applied to the payroll management device 1 according to the first embodiment is shown, but the same applies to the payroll management device 3 according to the second embodiment. It is possible.
Here, in the first embodiment, the worker's take-home amount was in the worker's virtual account, but in the second embodiment, the worker's take-home amount is not only in the worker's virtual account but also in the manager. May be in your virtual account. Therefore, when the above-mentioned charge processing to the prepaid card is applied to the payroll management device 3 according to the second embodiment, the remittance of the virtual currency corresponding to the charge amount is transferred to the virtual account of the worker or the virtual of the administrator. It can be done from any of the worker's take-home amounts managed in the account. Which one to use may be preset, or may be selectable by the worker.

In addition, the total amount of the virtual currency of the worker's virtual account or the worker's take-home amount managed by the administrator's virtual account is regarded as the amount that can be charged to the prepaid card, and the judgment processing unit 13 considers the total amount. It is also possible to judge whether or not it is possible to transfer the virtual currency corresponding to the charge amount based on the amount. When it is possible to remit the virtual currency corresponding to the charge amount by the total amount, the remittance processing unit 51 withdraws the necessary price from each of the worker's virtual account and the administrator's virtual account, and the total withdrawal amount. Is the charge amount. Such processing is convenient because the worker can charge the prepaid card regardless of whether the worker's virtual currency is in the worker's or manager's account.

Subsequently, the billing management device 6 in which the payroll management devices 1 and 3 according to the first and second embodiments of the present invention described above are applied to billing / payment processing in transactions between companies and the like will be described.
FIG. 21 shows the device configuration of the billing management device 6 according to the present embodiment.
The billing management device 6 is a device that manages and executes billing and payment in transactions between companies, and is managed by a predetermined manager.
The billing management device 6 is configured to be able to communicate with the company A terminal 71 installed under the company A and the company B terminal 72 installed under the company B via a network NW such as the Internet. There is. In the example of FIG. 21, only two terminals, the company A terminal 71 and the company B terminal 72, are listed, but the number is not particularly limited.

The billing management device 6 is realized by a so-called server computer or the like, and includes hardware resources such as a CPU (Central Processing Unit), RAM (Random Access Memory), ROM (Read Only Memory), and a hard disk drive, and a computer program executed by the CPU. A functional block including a corporate information DB6A, a virtual account information DB6B, a billing information DB6C, a securing processing unit 61, a payment processing unit 62, and a communication processing unit 63 is configured by software resources such as.
In the description of the present embodiment, only the minimum configuration example using only the functions required for the billing / payment processing executed by the billing management device 6 is shown, and the first to fourth embodiments have been described. Other functional parts may be incorporated as appropriate.

The company information DB6A is a storage unit that stores information about a company that makes transactions and makes bills and payments. In this company information DB6A, detailed information including the name, address, etc. of the company and authentication information are stored in association with each company ID that can identify the company.
In addition, the company information stores information on departments, groups, teams, etc. within the company, which are independent targets for billing or payment and have a unique virtual account. That is, in the present embodiment, a virtual account can be created for each department or group even within one company, and information related to the department or group is registered in the company information DB 6A.

The virtual account information DB6B is a storage unit that stores information related to a company's virtual account.
Here, the virtual account is a conceptual account in which virtual currency is deposited, as in the first embodiment described above, and by associating a predetermined amount of virtual currency with information that identifies a predetermined person, the virtual currency is used. The prescribed person is treated as holding the prescribed amount of virtual currency. Then, by changing the target to which the virtual currency is associated, the target holding the virtual currency can be changed, that is, the virtual currency can be moved between the virtual accounts.

In the present embodiment, the virtual account can be provided not only in the name of a company unit but also in the name of a department or a group unit in the company, and the virtual account provided as appropriate is stored in the virtual account information DB 6B. It should be noted that a plurality of virtual accounts can be prepared for each purpose and each account.
In the virtual account managed in this virtual account information DB6B, the deposit / withdrawal history and the balance are stored for each name. The deposit / withdrawal history includes information on the processing content, date and time, deposit source / withdrawal destination, and amount.

The billing information DB6C is a storage unit that stores information related to billing information between companies.
The billing information is information related to billing from one side to the other, and includes information such as a billing source, a billing destination, a billing content, a billing amount, and a billing date. In this billing information, the presence or absence of approval by the billing party is registered in association with each billing unit, and when the billing party approves the billing information, the information to the effect that the billing information is approved is registered.

When a request for a predetermined price or the like is made from one of the company A or the company B to the other and the other approves the request, the securing processing unit 61 refers to the virtual account information DB6B and the price or the like related to the request. The billing is secured by associating the virtual currency according to the billing destination with the virtual account of the billing source.
Here, when the billing amount includes tax, the billing amount excluding tax is associated with the virtual account of the billing source, while the tax is associated with the virtual account of the administrator as the tax to be paid by the billing source.

The payment processing unit 62 pays the tax by associating the tax included in the bill with the virtual account of the administrative agency that stores the tax from the virtual account of the administrator on a predetermined date.

The communication processing unit 63 is a functional unit that executes transmission / reception processing of various data via the network NW with the company A terminal 71 or the company B terminal 72.

The company A terminal 71 and the company B terminal 72 are terminals installed under the company that conducts the transaction, and are realized by a computer or the like having an input / output means for inputting / outputting data, a communication processing means for transmitting / receiving data, and the like. Will be done.
In this example, the case where the company A has only the virtual account of the company A unit and trades with the company B or the like as the company A is shown. On the other hand, each of the headquarters terminal 72a installed in the headquarters in the company B and the department terminal 72b installed in the predetermined department in the company B has a virtual account, and transactions are performed with the company A building for each headquarters or department. Shows the case.

Next, with reference to FIG. 22, a processing flow when a request based on a predetermined transaction is made to the company A from a predetermined department of the company B will be described.
A predetermined department in the company inputs billing information based on the transaction by the department terminal 72b (S801), and transmits the billing information to the billing management device 6 (S802).

The billing management device 6 that has received the billing information from the department terminal 72b of the company B transmits the billing information and the approval request for the billing information to the company A terminal 71 (S803).
The company A confirms the billing information received from the billing management device 6 by the company A terminal 71, and if there is no problem, transmits the approval for the billing information to the billing management device 6 (S804).

In response to this, the billing management device 6 executes a process of securing a bill based on the billing information by the securing processing unit 61 (S805). That is, the securing processing unit 61 refers to the virtual account information DB6B, and among the approved claims, associates the virtual currency corresponding to the tax-excluded amount from the virtual account of the company A to the virtual account of the predetermined department of the company B. Register as the virtual currency of the specified department. At the same time, the securing processing unit 61 refers to the virtual account information DB6B, and among the approved claims, associates the virtual currency corresponding to the tax from the virtual account of the company A to the virtual account of the administrator, and sets it as the tax to be paid. to register.

When a predetermined date such as the end of the month arrives, tax payment processing is executed (S806).
That is, the payment processing unit 62 associates the tax included in the bill from the virtual account of the administrator to the virtual account of the administrative agency, whereby the tax is paid to the administrative agency.

Here, the transfer of virtual currency between virtual accounts when the billing amount securing process / tax securing process (S805) and payment processing (S806) are executed will be described with reference to FIG. 23.
First, in the billing amount securing process / tax securing process (S805), the tax-excluded billing amount is associated from the virtual account of the company A to the virtual account of the predetermined department of the company B. On the other hand, the tax is associated from the virtual account of company A to the virtual account of the administrator.

Further, in the payment processing (S806), the tax included in the billing amount and managed by the administrator is associated from the virtual account of the administrator to the virtual account of the administrative agency.

In company B, the amount billed by the designated department received from company A is remitted to the account of the headquarters, and the success fee and expenses to the department of the designated department are remitted from the billed amount to the designated department. You can exchange things such as

According to the billing management device 6 according to the above embodiment, a virtual account can be easily prepared for each department, project, workplace, or job title in the company, and an external billing can be made for each unit. Can be done. In addition, since the billing in each department is clarified, it becomes possible to make an appropriate evaluation for each department, and the flow and use of funds are also clarified.
In addition, there will be no loss due to non-payment of sales receivables, and a healthy company that pays taxes seriously will be protected.

In the above embodiment of the present invention, it is preferable that a blockchain technology or a decentralized database technology for preventing tampering or fraud is applied to the virtual currency, thereby making information management strict. , The security of the transaction can be guaranteed.

1 Payroll management device 1A Payroll payer information DB
1B Worker information DB
1C Attendance information DB
1D salary information DB
1E Virtual account information DB
11 Payroll Department 12 Secure Processing Department 13 Judgment Processing Department 14 Payment Processing Department 15 Communication Processing Department 21 Attendance Management Device 22 Payroll Payer Terminal 23 Worker Terminal 24 Store Terminal 25 Immediate Payment Terminal 26 Financial Institution Terminal 27 Card Administrator Terminal 28 Financial institution terminal 3 Payroll management device 3A Payroll payer information DB
3B worker information DB
3C Attendance information DB
3D salary information DB
3E virtual account information DB
31 Payroll Department 32 Secure Processing Department 33 Judgment Processing Department 34 Payment Processing Department 35 Remittance Processing Department 36 Communication Processing Department 4 Payroll Management Equipment 41 Withdrawal Processing Department 5 Payroll Management Equipment 51 Remittance Processing Department 6 Billing Management Equipment 6A Corporate Information DB
6B Virtual account information DB
6C Billing Information DB
61 Secure processing department 62 Payment processing department 63 Communication processing department 71 Company A terminal 72 Company B terminal 72a Headquarters terminal 72b Department terminal NW network

Claims (17)

It is configured to be able to communicate with the payer terminal used by the payer via the network.
Among the virtual currencies held by the salary payer, it is a device that secures the virtual currency as salary according to the labor claims of the worker who receives the salary from the salary payer.
A virtual account information storage means that stores information related to a virtual account in which a manager who manages salary based on labor receivables, a salary payer, and a virtual currency held by each worker are deposited.
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the worker. The first securing processing means to secure the take-back amount of the above workers by associating with the virtual account,
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is transferred from the virtual account of the salary payer to the manager. It has a second securing processing means for securing the deduction cost of the worker by associating with the virtual account and registering it as a deduction cost to be paid in the virtual account information storage means.
Payroll system. It is configured to be able to communicate with the store terminal installed in the store where the above workers purchase products via the network.
A payment processing request receiving means for receiving a payment processing request for the price of a product purchased by the worker from the store terminal, and
With reference to the virtual account information storage means, among the virtual currencies associated with the worker's virtual account, the portion corresponding to the price of the product is associated with the virtual account of the administrator and registered as the scheduled payment price. By doing so, it further has a third securing processing means for securing the price of the above-mentioned product.
The payroll management device according to claim 1. In response to the payment processing request, a judgment processing means for determining whether or not to settle the price of the product based on the virtual currency associated with the worker's virtual account, with reference to the virtual account information storage means. Have more
The third securing processing means refers to the virtual account information storage means when the price of the product can be settled, and among the virtual currencies associated with the worker's virtual account, the product Secure the price of the above products by associating the amount equivalent to the price of the above with the virtual account of the above administrator and registering it as the planned payment price.
The payroll management device according to claim 2. It is configured to be able to communicate via a network with a store terminal installed in a store where the above worker purchases a product and an immediate payment terminal that makes an immediate payment of the price based on the purchase of the product.
An immediate payment processing request receiving means for receiving a withdrawal processing request for the product purchased by the worker from the immediate payment terminal, and
With reference to the virtual account information storage means, the first withdrawal processing means for withdrawing the virtual currency corresponding to the price of the product from the worker's virtual account,
Further, it has a withdrawal processing completion notification transmitting means for transmitting a notification to the effect that the withdrawal of the virtual currency corresponding to the above price has been completed to the immediate payment terminal.
The payroll management device according to any one of claims 1 to 3. It is installed at the card administrator terminal installed under the card administrator who manages the prepaid card held by the above worker and can be used for payment processing, and at the financial institution that manages the account of the card administrator. It is configured to be able to communicate with financial institution terminals via a network.
A remittance request receiving means for receiving a remittance request for a predetermined charge amount from a card administrator terminal that has received a charge request for a predetermined charge amount from the worker to the prepaid card.
With reference to the virtual account information storage means, a second withdrawal processing means for withdrawing virtual currency corresponding to the predetermined charge amount from the worker's virtual account, and
A remittance request transmission means for transmitting the remittance request of the virtual currency withdrawn to the account of the card administrator to the financial institution terminal, and
Further, it has a transmission processing result transmission means for transmitting a remittance processing result of virtual currency corresponding to the predetermined charge amount to the card administrator terminal.
The payroll management device according to any one of claims 1 to 3. It is configured to be able to communicate with the payer terminal used by the payer via the network.
Among the virtual currencies held by the salary payer, it is a device that secures the virtual currency as salary according to the labor claims of the worker who receives the salary from the salary payer.
An administrator who manages salaries based on labor receivables, and a virtual account information storage means that stores information related to virtual accounts in which virtual currencies held by the above salary payers are deposited.
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the manager. The first securing processing means to secure the take-back amount of the above workers by associating with the virtual account,
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is transferred from the virtual account of the salary payer to the manager. It has a second securing processing means for securing the deduction cost of the above worker by associating it with a virtual account and registering it as a deduction cost to be paid.
Payroll system. It is configured to be able to communicate via a network with a worker terminal used by a worker who receives salary payment from the above salary payer.
Further having a securing processing request receiving means for receiving a securing processing request for salary within the range of the labor receivables held by the worker from the worker terminal.
The payroll management device according to claim 6. A remittance instruction receiving means for receiving a remittance instruction of a predetermined amount of virtual currency from the above worker terminal,
With reference to the virtual account information storage means, in the virtual account of the administrator, among the virtual currencies associated as the take-home amount of the worker, the virtual currency of the predetermined amount is associated with the virtual account of the worker. Further has a remittance processing means,
The payroll management device according to claim 7. It is configured to be able to communicate with the store terminal installed in the store where the above workers purchase products via the network.
From the store terminal to the payment processing request based on the virtual currency associated with the virtual account of the administrator, or the virtual currency associated with the virtual account of the worker, for the price of the product purchased by the worker. The first payment processing request receiving means for receiving the payment processing request based on,
When a payment processing request based on the virtual currency associated with the virtual account of the administrator is received, referring to the virtual account information storage means, as the take-home amount of the worker in the virtual account of the administrator. Of the associated virtual currencies, the third securing processing means for securing the price of the above product by registering the portion corresponding to the price of the above product as the scheduled payment price,
When a payment processing request based on the virtual currency associated with the worker's virtual account is received, the virtual currency associated with the worker's virtual account is referred to with reference to the virtual account information storage means. It further has a fourth securing processing means for securing the price of the product by associating the amount corresponding to the price of the product with the virtual account of the administrator and registering it as the scheduled payment price.
The payroll management device according to claim 8. It is configured to be able to communicate via a network with a store terminal installed in a store where the above worker purchases a product and an immediate payment terminal that makes an immediate payment of the price based on the purchase of the product.
An immediate payment processing request receiving means for receiving a withdrawal processing request for the product purchased by the worker from the immediate payment terminal, and
With reference to the virtual account information storage means, the first withdrawal processing means for withdrawing the virtual currency corresponding to the price of the product from the take-home amount of the worker associated with the virtual account of the administrator,
Further, it has a withdrawal processing completion notification transmitting means for transmitting a notification to the effect that the withdrawal of the virtual currency corresponding to the above price has been completed to the immediate payment terminal.
The payroll management device according to claim 6 or 7. It is configured to be able to communicate via a network with a store terminal installed in a store where the above worker purchases a product and an immediate payment terminal that makes an immediate payment of the price based on the purchase of the product.
An immediate payment processing request receiving means for receiving a withdrawal processing request for the product purchased by the worker from the immediate payment terminal, and
With reference to the virtual account information storage means, a second withdrawal processing means for withdrawing virtual currency corresponding to the price of the product from the worker's virtual account,
Further, it has a withdrawal processing completion notification transmitting means for transmitting a notification to the effect that the withdrawal of the virtual currency corresponding to the above price has been completed to the immediate payment terminal.
The payroll management device according to claim 8. It is installed at the card administrator terminal installed under the card administrator who manages the prepaid card held by the above worker and can be used for payment processing, and at the financial institution that manages the account of the card administrator. It is configured to be able to communicate with financial institution terminals via a network.
A remittance request receiving means for receiving a remittance request for a predetermined charge amount from a card administrator terminal that has received a charge request for a predetermined charge amount from the worker to the prepaid card.
With reference to the virtual account information storage means, a third withdrawal processing means for withdrawing the virtual currency corresponding to the predetermined charge amount from the take-home amount of the worker associated with the virtual account of the administrator.
A remittance request transmission means for transmitting the remittance request of the virtual currency withdrawn to the account of the card administrator to the financial institution terminal, and
Further, it has a transmission processing result transmission means for transmitting a remittance processing result of virtual currency corresponding to the predetermined charge amount to the card administrator terminal.
The payroll management device according to claim 6 or 7. It is installed at the card administrator terminal installed under the card administrator who manages the prepaid card held by the above worker and can be used for payment processing, and at the financial institution that manages the account of the card administrator. It is configured to be able to communicate with financial institution terminals via a network.
A remittance request receiving means for receiving a remittance request for a predetermined amount from a card administrator terminal that has received a charge request for a predetermined charge amount from the worker to a prepaid card.
With reference to the virtual account information storage means, the fourth withdrawal processing means for withdrawing the virtual currency corresponding to the predetermined charge amount from the worker's virtual account,
A remittance request transmission means for transmitting the remittance request of the virtual currency withdrawn to the account of the card administrator to the financial institution terminal, and
Further, it has a transmission processing result transmission means for transmitting a remittance processing result of virtual currency corresponding to the predetermined charge amount to the card administrator terminal.
The payroll management device according to claim 8. By a payroll terminal used by payers, and a computer configured to communicate over a network
Among the virtual currencies held by the salary payer, this is a method of securing the virtual currency as salary according to the labor receivables of the workers who receive salary payment from the salary payer.
The above computer
It has a manager who manages salary based on labor receivables, the salary payer, and a virtual account information storage means for storing information related to the virtual account in which the virtual currency held by each worker is deposited.
With reference to the virtual account information storage means, among the salary amounts according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the worker. The first securing process to secure the take-home amount of the above workers by associating with the virtual account of
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is transferred from the virtual account of the salary payer to the manager. By associating with the virtual account and registering it as the deduction cost to be paid in the virtual account information storage means, the second securing process for securing the deduction cost of the worker is executed.
Payroll management method. A computer configured to be able to communicate with the payroll terminal used by the payer via a network,
Among the virtual currencies held by the salary payer, this is a program for functioning as a salary management device that secures the virtual currency corresponding to the labor receivables of the workers who receive salary payment from the salary payer as salary.
The above computer
It has a manager who manages salary based on labor receivables, the salary payer, and a virtual account information storage means for storing information related to the virtual account in which the virtual currency held by each worker is deposited.
For the above computer
With reference to the virtual account information storage means, among the salary amounts according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the worker. The first securing process to secure the take-home amount of the above workers by associating with the virtual account of
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is transferred from the virtual account of the salary payer to the manager. By associating with the virtual account and registering it as the deduction cost to be paid in the virtual account information storage means, the second securing process for securing the deduction cost of the worker is executed.
Computer program. By a payroll terminal used by payers, and a computer configured to communicate over a network
Among the virtual currencies held by the salary payer, this is a method of securing the virtual currency as salary according to the labor receivables of the workers who receive salary payment from the salary payer.
The above computer
It has a manager who manages salary based on labor receivables and a virtual account information storage means which stores information related to the virtual account in which the virtual currency held by each of the salary payers is deposited.
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the manager. The first securing process to secure the take-home amount of the above workers by associating with the virtual account,
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is transferred from the virtual account of the salary payer to the manager. Execute the second securing process to secure the deduction cost of the above worker by associating it with the virtual account and registering it as the deduction cost to be paid.
Payroll management method. A computer configured to be able to communicate with the payroll terminal used by the payer via a network,
It is a computer program for functioning as a salary management device that secures virtual currency as salary according to the labor claims of workers who receive salary payment from the salary payer among the virtual currencies held by the salary payer. ,
The above computer
It has a manager who manages salary based on labor receivables and a virtual account information storage means which stores information related to the virtual account in which the virtual currency held by each of the salary payers is deposited.
For the above computer
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the take-home amount of the worker is transferred from the virtual account of the salary payer to the manager. The first securing process to secure the take-home amount of the above workers by associating with the virtual account,
With reference to the virtual account information storage means, among the salaries according to the labor receivables acquired by the worker, the virtual currency corresponding to the deduction cost of the worker is transferred from the virtual account of the salary payer to the manager. By associating with a virtual account and registering it as a deduction fee to be paid, the second securing process for securing the deduction fee for the above worker is executed.
Computer program.

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