KR20220108706A - Financial Transaction System Using Labor Credit Information - Google Patents

Abstract

A disclosed financial transaction system using labor credit information includes: an employee; an employer who hired the employee; a labor credit generation platform which provides, from the employee and the employee who have joined as a member, whether or not the employee has provided labor to the employer and whether wages for the labor are generated, and which generates labor credit information for the employee based on whether the labor is provided and whether the wages were generated; and a financial institution in which an agreement is concluded with the labor credit generation platform to receive the labor credit information from the labor credit generation platform, a paid wage corresponding to the wages is paid in advance to the employee based on the labor credit information at the time of payment desired by the employee, and deferred payment of the paid wage corresponding to the wages is made from the employer at the time of payment later than the time of payment and desired by the employer. A new concept of semi-credit information can be created.

Description

Financial Transaction System Using Labor Credit Information

The present invention (Disclosure) relates to a financial transaction system using labor credit information. Specifically, employees who are difficult to be given a normal credit rating handled in the financial sector are given credit based on the labor force, and the credit ( It is about a system that enables financial transactions based on labor credit information for credit).

Herein, background information related to the present invention is provided, which does not necessarily imply prior art (This section provides background information related to the present disclosure which is not necessarily prior art).

In the modern society, financial transactions using credit information are no longer limited to specific people, but are one of the essential elements in social life.

Credit information is generated according to financial transactions or various social activities that can be verified with objective information during long-term social life.

A reasonable and sound financial life or social activity generates a high level of credit, and accordingly, various benefits and services can be received through financial institutions.

However, a high level of credit must consistently secure soundness in financial activities, etc. through a long period of social life.

For young people who are starting their social life for the first time, it is difficult to use the various financial systems that older people can enjoy because of the short period of social activity.

In addition, people with credit information that has deteriorated due to an unhealthy financial life at any one time must also perform a long-term and steady financial life in order to restore their creditworthiness.

As such, people who do not have existing credit information or who maintain social and economic activities with a low credit rating often make a living as low-wage non-regular workers and daily workers.

Field workers who provide labor at construction sites or young people who switch between various part-time jobs for sale often live on a daily or weekly wage.

However, as described above, they often do not have credit for various financial transactions that are useful for life, or credit recovery is not easy.

In particular, in most labor markets where they work, it is rare for an employer or employee to enter into a legally effective labor contract because the size of the business or the wage of the employer may be small.

In particular, for construction workers at construction sites, since the workplace may vary from day to day, and the intensity or type of labor may vary, labor is rarely provided after the conclusion of a labor contract.

That is, although the above-described employees do not have credit or credit information that enables credit financial transactions, there is a problem in that it is difficult to obtain an authorized job capable of accumulating sound credit information.

1. Korea Patent Publication No. 10-2010-0055849

The present invention (Disclosure) provides a financial transaction system using labor credit information that enables employees to create a new concept of semi-credit information that is equivalent to credit information that enables credit transactions with their own labor. is intended for work.

Herein, a general summary of the present invention is provided, which should not be construed as limiting the scope of the present invention (This section provides a general summary of the disclosure and is not a comprehensive disclosure of its full scope or all of its features).

In order to solve the above problems, a financial transaction system using labor credit information according to any one aspect of various aspects describing the present invention includes: an employee; an employee who employs said employee; Provided from the employee and the employee who have signed up as a member whether the employee provides labor to the employee and whether wages are accrued for the labor force, based on whether the labor force is provided and whether the wages are generated a labor credit generating platform that generates credit information; and an agreement with the labor credit generating platform is concluded to receive the labor credit information from the labor credit generating platform, and based on the labor credit information, the payable wage corresponding to the wage at the time of payment desired by the employee and a financial institution that pays the employee in advance, and receives a paid wage corresponding to the wage from the employee at a later payment time than the payment time desired by the employee.

In the financial transaction system using labor credit information according to an aspect of the present invention, the labor credit generating platform includes a variety of customer information for the financial institution to perform financial transactions with the employee and the employee from the employee and the employee. After receiving the input, you can allow registration as the member.

In the financial transaction system using labor credit information according to an aspect of the present invention, the labor credit generating platform may provide the various customer information to the financial institution after obtaining the consent of the employee and the employee Membership may be permitted as a member.

In the financial transaction system using labor credit information according to an aspect of the present invention, the labor credit generating platform may receive a fee settlement from the employee.

In the financial transaction system using labor credit information according to an aspect of the present invention, the financial institution may pay all or part of the paid wages to the employee at the time of payment.

In the financial transaction system using labor credit information according to an aspect of the present invention, the financial institution, based on the labor credit information, is an average of the wages paid to the employee for a predetermined period of time. An average is calculated, and when the average wage exceeds a predetermined reference value, a loan qualification corresponding to the average wage may be granted to the employee.

According to the present invention, by generating labor credit information according to the provision of labor in the labor credit generating platform, credit for financial transactions is created with the provided labor.

According to the present invention, an employee can credit his or her labor force.

1 is a view for explaining a conventional credit information.
2 is a view for explaining labor credit information in a financial transaction system using labor credit information according to the present invention.
3 is a view showing an embodiment of a financial transaction system using labor credit information according to the present invention.

Hereinafter, an embodiment in which a financial transaction system using labor credit information according to the present invention is implemented will be described in detail with reference to the drawings.

However, the intrinsic technical idea of the present invention cannot be said to be limited by the embodiments described below, and the It is disclosed that the range that can be easily suggested as a method of substitution or change of the embodiment described in is included.

In addition, since the terms used below are selected for convenience of description, in grasping the intrinsic technical idea of the present invention, they are not limited to the dictionary meaning and are appropriately interpreted as meanings consistent with the technical spirit of the present invention. it should be

1 is a view for explaining the conventional credit information, Figure 2 is a view for explaining the labor credit information in the financial transaction system using the labor credit information according to the present invention.

First, referring to FIG. 1 , it is possible to check the status of occurrence of a financial transaction according to the conventional credit information.

The credit information according to FIG. 1 is a result of a financial transaction performed with various financial institutions for a long period of time, can be shared between financial institutions, and has strict standards. However, financial institutions provide future financial transactions by determining the size and type of future financial transactions according to predetermined criteria by judging the credit based on the actions already performed by the employees.

Therefore, it is difficult for employees to secure high-grade credit information in a short period of time.

In contrast, the labor credit information shown in FIG. 2 is based on the labor force already provided by the employee to the employee.

When an employee provides labor at the request of the employee, he or she is paid a corresponding wage and can use it to lead a financial and social life. You can have a high level of credit information when your various activities according to your financial and social life have high soundness.

However, in FIG. 2 , the labor credit information shows that the labor provided to the employee is used as credit.

The meaning that the employee provided labor has the same meaning as the state in which assets are secured as much as the wages corresponding to the provided labor force, although it has not yet been converted into cash.

The financial institution creates an employee's credit with assets equal to at least this wage.

That is, a financial institution can provide credit to its employees as much as the assets that have already been accrued in accordance with the provision of labor, provided it is possible to provide clear evidence of whether labor is provided and whether wages have been generated between the employee and the employee.

This can secure higher stability than the financial transaction using the conventional credit information discussed above. In reality, the possibility of insolvency is significantly low, since financial transactions are possible with the already secured employee assets nominally as collateral in response to the provision of generated labor force.

Employees can capitalize their own labor force and convert it into credit, and have the advantage of enabling economic activities with a virtuous cycle structure to secure a high level of credit.

Referring to FIGS. 1 and 2 , labor credit and labor credit information are compared and summarized with existing credit and credit information as follows.

Ordinary credit is created based on economic activities including financial transactions and social activities including working life in various occupations.

Using the credit information accumulated through economic and social activities, it is determined how faithful the employee is to the principle of good faith and good faith from the point of view of financial transactions, and the graded credit is determined accordingly. Occurs.

Therefore, since existing credit has an indirect relationship with future financial transactions based on this, financial institutions present strict standards, and the possibility of insolvency still exists. On the other hand, since the existing credit for the employee is generated based on long-term accumulated data in various fields, there is a problem in that it is difficult to generate a high-grade credit.

However, the labor credit employed in the present invention is generated based on wages corresponding to the already provided labor force.

It not only has already occurred, but also creates as much credit as it corresponds to accurate quantitative information.

Accordingly, financial institutions are less likely to become insolvent, and employees can expect immediate and quantitatively predictable financial transaction services.

Labor credit information is generated when the employee and the employer each approve whether wages are generated and whether or not labor is provided, and labor credit is generated corresponding to the wages corresponding to the provided labor force.

Financial institutions provide employees with permitted quantitative and qualitative financial transactions based on the generated labor credit.

3 is a view showing an embodiment of a financial transaction system using labor credit information according to the present invention.

Referring to FIG. 3 , the financial transaction system using labor credit information according to the present embodiment includes an employee, an employee, a labor credit generating platform, and a financial institution.

An employee may be an individual or a legal entity providing the labor force.

An employee may be an individual or a legal entity that employs an employee.

The labor credit generation platform receives, from employees and employees who have joined as members, whether the employee provides labor to the employee and whether wages are generated for the employee, and provides labor credit to the employee based on whether the labor force is provided and whether wages are generated. create information

The financial institution enters into an agreement with the labor credit generating platform, receives labor credit information from the labor credit generating platform, and based on the labor credit information, pays the employee the wage corresponding to the above wage at the time of payment desired by the employee. Payment is made in advance, and paid wages corresponding to the wages are paid later by the employee at the time of payment later than the payment time desired by the employee.

Accordingly, the financial transaction system using labor credit information according to the present embodiment can expect the following advantages.

In other words, first, the employer and the employee can observe the payment timing and payment timing that are favorable to each other. Compared to employees who generally prefer monthly settlement (settlement), it can satisfy all employees who want immediate settlement (settlement).

In addition, since the employee can reduce the possibility of arrears in wages, even a daily worker can have a stable wage life.

Financial institutions can attract large numbers of employees and employees as new customers and increase their cash holdings. This can be a source of funding for investments and loans made by financial institutions.

In the end, by generating labor credit information using labor that has already been provided but not yet converted into assets, financial transactions using credit information are difficult or impossible for employees who wish to engage in economic activities equivalent to the secured wage. have an effect

In addition, employees who are paid a certain amount of monthly wages according to the employment contract relationship may also receive the paid wages in a small amount on the desired pay day, unlike the pay date specified in the labor contract.

In addition, in the financial transaction system using labor credit information according to the present embodiment, the labor credit generation platform allows the financial institution to register as a member after receiving various customer information for financial transactions with the employees and employees from the employees and employees. .

In this case, the labor credit generating platform may allow the member to join after obtaining the consent of the employee and the employee for providing various customer information to the financial institution.

Employees and employees who want to use the labor credit planet platform according to this embodiment are to facilitate the payment and payment of wages, and to use as a condition for membership registration whether or not to consent to the delivery of customer information to financial institutions after collecting customer information it is preferable

In addition, in the financial transaction system using labor credit information according to the present embodiment, the labor credit generating platform receives a fee settlement from the employee.

The financial transaction system using labor credit information according to the present invention enables financial transactions by using assets that have been provided but not cashed in as wages corresponding thereto to employees who are unable to make financial transactions using conventional credit information.

In addition, irrespective of the payment time of the employee, there is an advantage in that liquidity funds can be secured at the payment time desired by the employee.

Accordingly, the employee pays a fee for the above-mentioned benefits to the working credit generating platform.

In addition, in the financial transaction system using labor credit information according to the present embodiment, the financial institution pays all or part of the wages paid to the employee or receives payment from the employee at the time of payment.

Referring to FIG. 3 , following the present invention, the financial institution is guaranteed the recovery of wages paid to the employee through the employee, the labor credit generating platform, and the labor credit information. Accordingly, it is possible to satisfy the desired requirements of the employee not only in the payment timing but also in the amount.

In addition, in the financial transaction system using labor credit information according to the present embodiment, the financial institution calculates a wage average, which is an average of wages paid to an employee for a predetermined period, based on the labor credit information, and the wage average is set in advance. In the case of exceeding the prescribed standard value, the employee may be granted a loan qualification equivalent to the average wage.

According to this, the financial institution uses the labor credit information in the same way as the conventional credit information, and initiates a credit loan transaction with the employee.

Also, referring to FIG. 3 , the financial institution pays wages to the employee and transmits the payment completion information, which is the information, to the labor credit generating platform. In addition, when a financial institution receives wages paid from an employee, it transmits payment completion information, which is information, to the labor credit generating platform.

By managing the arrears history of employees registered as members through this process, it is possible to prevent future wage arrears of employees.

Claims (1)

employee;
an employee who employs said employee;
Provided from the employee and the employee who have signed up as a member whether the employee provides labor to the employee and whether wages are accrued for the labor force, based on whether the labor force is provided and whether the wages are generated a labor credit generating platform that generates credit information; and
An agreement is signed with the labor credit generating platform to receive the labor credit information from the labor credit generating platform, and based on the labor credit information, the employee is reminded of the payable wages corresponding to the wages at the desired payment time A financial transaction system using labor credit information, comprising: a financial institution that pays in advance to an employee, and receives a later payment from the employee at a payment time later than the payment time desired by the employee.

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