OA20412A - System, method, operator server, and program for financial demand response provision services. - Google Patents

Abstract

A financial demand response provision service system having a company server that manages the crédit limit for each employee, an attendance management data server that manages employee attendance management data, a provider server that manages the employees' managed accounts, and a bank server that manages the employees' bank accounts to which salary is transferred which are connected via a network wherein the provider server has a calculation unit for transferring to a managed account electronic value information of an advance for a provider temporarily providing an advance on behalf of a company based on an advanceable amount in which the advanceable amount is calculated based on the crédit limit for an employee and the attendance management data, an auto charge data output unit which performs a transfer processing of transferring electronic value information of the advance of the managed account to the bank account, and an output means that outputs, to the company server, the advance amount loaned to the employee by transferring the electronic value information of the advance from the managed account to the bank account, wherein the total advanced amount to the employees of a same company does not exceed the company's total advanceable amount as set for the company

Description

System, Method, Operator Server, and

Program for Financial Demand Response Provision Services

Technical Field [0001]

The présent invention relates to a System, method, operator server, and program for providing financial demand response provision services for employées belonging to a company.

Background Art [0002]

Using a prepaid system to withdraw a fixed amount for employées working before payday is known. By using a prepaid system, the turnover rate of 20 employées who are hired by and work for a company is able to be reduced, and additionally, because employées can also use the fixed amount for things such as sudden expenses, the availability of employées such as part-time workers is particularly 25 increased.

[0003]

For the prepaid system provided by the

Tokyo Tomin Bank Limited as a part of banking services (see Non-Patent Document 1), if a company has 30 introduced the prepaid System, employées belonging to the company are able to easily apply for the prepaid system from a mobile phone, smart phone, PC or the like. Then, if the prepaid system is used, the very next day, the funds will be transferred to 35 a bank account to receive the employée's salary, on the other hand, the remaining salary amount after deducting the prepaid system use is transferred to the bank account. [0004]

For example, Patent Document 1 describes a payroll prepaid service for realizing the above5 mentioned prepaid System by a bank computer. According to the technique described in Patent Document 1, the bank computer has a processing device, a storage device, and a data input interface. Then, based on the necessary data transmitted from the 10 employée (workers) via the data input interface, the Processing device refers to the file stored in the storage device (work data management file, payroll data management file, fund data management file), and performs a processing to transfer a payable salary 15 amount based on the employée's work performance to the employée's payroll account. This makes making a payment of an amount not exceeding the payable salary amount based on work performance possible at any time desired by the employée. That is, the salary can be 20 prepaid to the employée in a form desired by the employée. [Prior Art Documents] [Patent Documents] [0005]

[Patent Document 1] Japanese ünexamined

Patent Application 2004-265369 [Non-Patent Documents] [0006]

[Non-Patent Document 1] The Tokyo Tomin Bank, 30 Ltd., Pre-paid, [Online], The Tokyo Tomin Bank, Ltd., [November 11, 2016 search], Internet <URL:

http://www.tominbank.co.jp/for hoj in/maekyu/> Disclosure of Invention Problem to Be Solved by the Invention 35 [0007]

However, according to the payroll prepayment service realized by the bank computer, the

company incurs costs for installation and operation, and the company has to préparé a deposit. In addition, a certain amount of time is needed for employées to apply for a prepaid salary and then transfer the funds 5 to a bank account. For this reason, in order to realize the service to meet the financial needs of employées before payday like with payroll prepayment services, the emergence of a financial demand response provision service that can be used in real 10 time by employées without relying solely on bank transfers is desired. [0008]

The présent invention has been made to solve the above-mentioned problème, and in order to realize 15 the service to meet the financial needs of employées before payday, an object of the présent invention is to provide a System, a method, an operator server, and a program for a financial demand response provision service which can be used in real time 20 without relying solely on bank transfers on the employée side. Means to Solve the Problem [0009]

The présent invention is grasped by the following 25 composition in order to achieve the above-mentioned obj ect.

(1) A financial demand response provision service System for providing financial demand response services to employées belonging to a company 30 comprising: a company server for managing a crédit limit for each employée, an attendance management data server for managing attendance management data of the employées, a provider server for managing managed accounts of the employées, and a bank 35 server for managing a bank account to which the salary of an employée is transferred from the company, wherein the servers are connected via a network, and wherein the provider server comprises: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic 5 value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which performs a transfer processing of transferring electronic value information of the advance of a managed account to a bank account, and an output means which outputs to the company server, the advance amount loaned to the employée by transferring the electronic value information of the advance from a managed account to a bank. account, 15 wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

[00010] (2) The financial demand response provision service System according to above described configuration (1) , wherein if a total advanceable amount to the employées within a predetermined period of the same company exceeds the company's total 25 advanceable amount range, the auto charge data output unit cancels the transfer processing of electronic value information of advances to bank accounts from managed accounts of employées at the company in which the total advanceable amount for the employées exceeds the company's total advanceable amount range. [0011] (3) The financial demand response provision service system according to one of the above described configurations (1) and (2), wherein the advanceable 35 amount range for the company is set based on the company crédit information with regards to a crédit of the company, and the provider server includes a company crédit manager unit that manages the company crédit information.

[0012] (4) The financial demand response provision service System according to one of the above described configurations (1), (2) and (3), wherein the provider server includes a usage fee calculation unit that calculâtes the usage fee of the financial demand response service based on the electronic value 10 information of the advance transferred by the auto charge data output unit, and a billing unit for billing the company or the employée for use of the financial demand response service. [0013] (5) The financial demand response provision service System according to one of the above described configurations (1) through (4), wherein an employée terminal connected via a network and operated by an employée transmits sélection information for 20 automatically or manually transferring the electronic value information of the advance from the managed account to the bank account, wherein the provider server includes an attendance management data acquisition unit which receives attendance management data, wherein when the attendance management data acquisition unit receives new attendance management data, the calculation unit calculâtes a new advanceable amount for an employée, transfers electronic value information of the advance managed 30 by a provider temporarily providing on behalf of the company based on the new advanceable amount, and increases the electronic value information of the advance managed by the managed account, and wherein if the sélection information transmitted beforehand 35 from the employée terminal instructs performance to be done automatically, when the electronic value information of the advance increases, the auto charge

data output unit increases the electronic value information of the advance from the managed account to the bank account within the increased range of the electronic value information of the advance.

[0014] (6) The financial demand response provision service System according to above described configuration (5), wherein if the employée terminal transmits transmission information for automatically 10 transferring the electronic value information of the advance from the managed account to the bank account, information as to whether to transfer a fixed amount or a fluctuating amount that fluctuâtes at a fluctuating rate set by the employée beforehand is 15 also transferred to the bank account, wherein in the case where the information indicates that a fixed amount is to be made, if the fixed amount is lower than the increase in the electronic value information of the advance, the auto charge data output unit 20 transfers the electronic value information of the advance corresponding to pnly the fixed amount to the bank account, but if the increased electronic value information of the advance is lower than the fixed amount, the auto charge data output unit transfers 25 only the increased amount as the electronic value information of the advance to the bank account, and in the case where the information indicates that the transfer is to be done by a fluctuating amount that fluctuâtes at a fluctuating rate, the auto charge data 30 output unit transfers to the bank account the electronic value information of the advance in the amount obtained by multiplying the increased electronic value information of the advance by the fluctuating rate.

[0015] (7) The financial demand response provision service System according to above described configuration (5) or (6), wherein the calculation unit calculâtes a new advanceable amount to the employée when the attendance management data acquisition unit receives attendance management data. 5 [0016] (8) The financial demand response provision service System according to one of the above described configurations (5) through (7), wherein if the sélection information transmitted beforehand from the 10 employée terminal has been selected to be performed manually, when transfer instruction information from the employée terminal is received for transferring a predetermined amount to the bank account, the auto charge data output unit transfers to the bank account 15 electronic value information of the advance corresponding to the predetermined amount in the transfer instruction information based on electronic value information of the advance of the management account.

[0017] (9) The financial demand response provision service System according to one of the above described configurations (1) through (8), wherein the provider server resets the electronic value information of the 25 advance remaining in the managed account as of the company's payroll closing date, an individual's closing date as determined by the company, or a common closing date for ail companies and has a déduction data génération unit which generates an amount 30 corresponding to the electronic value information of the advance transferred to the bank account by the auto charge data output unit as salary déduction data, and wherein the company server periodically or irregularly acquires the salary déduction data from 35 the déduction data génération unit for the bank server, and from the salary calculated based on the employée ' s managed time, requests execution of transfer

Processing of the transfer amount minus the advance amount corresponding to the salary déduction data. [ 0018] (10) The financial demand response provision service system according to one of the above described configurations (1) through (3) , wherein when performing the transfer processing for transferring the electronic value information of the advance of the managed account to the bank account, the auto 10 charge data output unit transfers to the bank account the electronic value information minus a transfer Processing fee. [0019] (11) A financial demand response provision 15 service system according to another configuration for providing financial demand response services to employées belonging to a company comprising: a company server for managing the crédit limit for each employée, an attendance management data server for 20 managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and a bank server for managing a bank account for employée card payments, wherein the servers are connected via a network, and wherein the provider server comprises: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which performs the transfer processing of transferring electronic value information of the advance of the managed account to the bank account, 35 and an output means which outputs to the company server, the advance amount loaned to the employée by transferring the electronic value information of the

advance from a managed account to a bank account, «herein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by 5 the provider.

[0020] (12) A financial demand response provision service system according to another configuration for providing financial demand response services to employées belonging to a company comprising: a company server for managing the crédit limit for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and an electronic money server for managing electronic money of the employée; wherein the servers are connected via a network, and wherein the provider server comprises: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which charges to the employée's electronic money electronic value information of the advance in the managed account, and an output means which outputs to the company server, the advance amount loaned to the employée by charging to a bank account the electronic value information of the advance from a managed account, wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

[0021] (13) A financial demand response provision service system according to another configuration for providing financial demand response services to employées belonging to a company comprising: a company server for managing the crédit limit for each employée, an attendance management data server for 5 managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and a Virtual currency server for managing Virtual currency accounts of the employées; wherein the servers are connected via a network, and 10 wherein the provider server comprises: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider 15 temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which performs a transfer processing of transferring electronic value information of the advance of a managed account to a virtual currency 20 account, and an output means which outputs to the company server, the advance amount loaned to the employée by transferring the electronic value information of the advance from a managed account to a Virtual currency account, wherein the total 25 advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider. [0022] (14)

The financial demand response provision service System according to any one of the above described configurations (1) through (13), wherein the provider server includes an advance raising unit for raising advances through crowdfunding which includes the ability to transmit information on the financial demand response service and information on the provision of advances to an unspecified number of people via a network.

[0023] (15) A provider server for a financial demand response provision service System according to another configuration for providing financial demand 5 response services to employées belonging to a company having a company server for managing the crédit limit for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed 10 accounts of the employées, and a bank server for managing a bank account to which the salary of the employée is transferred from the company wherein the servers are connected via a network, the provider server comprising: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based 20 on the advanceable amount, an auto charge data output unit which performs a transfer processing of transferring electronic value information of the advance of a managed account to a bank account, and an output means which outputs to the company server, 25 the advance amount loaned to the employée by transferring the electronic value information of the advance from a managed account to a bank account, wherein the total advanceable amount to the employées of a same company does not exceed the company's total 30 advanceable amount range for the company as set by the provider. [ 0024] (16) A provider server for a financial demand response provision service system according to 35 another configuration for providing financial demand response services to employées belonging to a company having a company server for managing the crédit limit

for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and a bank server for managing a bank account for the card payment of the employée wherein the servers are connected via a network, the provider server comprising: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which performs the transfer processing of transferring electronic value information of the advance of the managed account to the bank account, and an output means which outputs to the company server, the advance amount loaned to the employée by transferring the electronic value information of the advance from a managed account to a bank account, wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

[0025] (17) A provider server for a financial demand response provision service System according to another configuration for providing financial demand response services to employées belonging to a company having a company server for managing the crédit limit for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and an electronic money server for managing electronic money of the employée wherein the servers are connected via a network, the provider server comprising: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider 5 temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which charges to the employée's electronic money electronic value information of the advance in the managed account, and an output means which outputs to 10 the company server, the advance amount loaned to the employée by charging to a bank account the electronic value information of the advance from a managed account, wherein the total advanceable amount to the employées of a same company does not exceed the 15 company's total advanceable amount range for the company as set by the provider.

[0026] (18) A provider server for a financial demand response provision service System according to 20 another configuration for providing financial demand response services to employées belonging to a company having a company server for managing the crédit limit for each employée, an attendance management data server for managing attendance management data of the 25 employées, a provider server that manages managed accounts of the employées, and a Virtual currency server for managing Virtual currency accounts of the employées wherein the servers are connected via a network, the provider server comprising: a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf 35 of the company based on the advanceable amount, an auto charge data output unit which performs a transfer processing of transferring electronic value

information of the advance of a managed account to a

Virtual currency account, and an output means which outputs to the company server, the advance amount loaned to the employée by transferring the electronic 5 value information of the advance from a managed account to a Virtual currency account, wherein the total advanceable amount to the employées of a same company does not exceed the company⁷ s total advanceable amount range for the company as set by 10 the provider. [0027] (19) A method for providing a financial demand response provision service System according to another configuration which provides financial 15 demand response services to employées belonging to a company having a company server that manages the crédit limit for each employée, an attendance management data server for managing attendance management data of the employée, a provider server 20 that manages managed accounts of the employée, and a bank server that manages a bank account to which the salary of the employée is transferred from the company wherein the servers are connected via a network, the method comprising: the provider server conducting the 25 steps of: calculating an advanceable amount for an employée based on a crédit limit amount and attendance management data and transferring and managing electronic value information of an advance managed by a provider temporarily providing on behalf of the 30 company based on the advanceable amount, transferring the electronic value information of the advance of the managed accounts to the bank account, and outputting to the company server the advance amount loaned to the employée by transferring the electronic 35 value information of the advance from the managed account to the bank account, wherein the total advanceable amount to the employées of a same company

does not exceed the company's total advanceable amount range for the company as set by the provider. [0028] (20) A provider server program according to another configuration which provides financial demand response services to employées belonging to a company having a company server that manages the crédit limit for each employée, an attendance management data server for managing attendance management data of the employée, a provider server that manages managed accounts of the employée, and a bank server that manages a bank account to which the salary of the employée is transferred from the company wherein the servers are connected via a network, the program comprising: having a computer conduct the steps of : calculating an advanceable amount for an employée based on a crédit limit amount and attendance management data and transferring and managing electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, transferring the electronic value information of the advance of the managed accounts to the bank account, and outputting to the company server the advance amount loaned to the employée by transferring the electronic value information of the advance from the managed account to the bank account, wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider. Advantages of the Invention

[0029]

According to the invention, providing a

System, method, operator server, and program for a 35 financial demand response provision service is possible which can be used in real time without relying solely on bank transfers on the employée side.

Brief Description of Drawings [0030]

FIG. 1 is a conceptual diagram that focuses on the flow of data in a business model that 5 implements the financial demand response provision service method of the présent invention.

FIG. 2 is a sequence diagram of a financial demand response provision service System.

FIG. 3 is a System configuration diagram of 10 a financial demand response provision service System.

FIG. 4 is a conceptual diagram focused on the flow of the transfer of electronic value information in the business model of the financial demand response provision service System.

FIG. 5 is a block diagram showing the configuration of a provider server of the financial demand response provision service System.

FIG. 6 is a schematic diagram for describing a data structure stored in a storage unit 20 and a data structure to be transmitted and received in the financial demand response provision service System.

FIG. 7 is a flowchart showing the Processing operation of the provider server.

FIG. 8 is a flow chart showing shows financial demand response tabulation process of a provider server.

FIG. 9 is a screen transition diagram of an employée terminal.

FIG. 10 (a) is a diagram showing an example of a home screen configuration. (b) is a figure showing an example of a charge switching screen.

FIG. 11 is a sequence diagram of a financial demand response provision service System.

FIG. 12 is a diagram of an employée terminal switching screen.

FIG. 13 is a System configuration diagram

of a financial demand response provision service System.

FIG. 14 is a System configuration diagram of a financial demand response provision service 5 System.

FIG. 15 is a System configuration diagram of a financial demand response provision service System.

FIG. 16 is a System configuration diagram 10 of a financial demand response provision service System.

FIG. 17 is a System configuration diagram of a financial demand response provision service System.

FIG. 18 is a System configuration diagram of a financial demand response provision service System.

FIG. 19 is a diagram showing the relationship between closing dates of a financial 20 demand response provision service System.

FIG. 20 is a conceptual diagram showing the relationship between a company and a service provider of the financial demand response provision service System.

FIG. 21 is a diagram for explaining setting of a company limit amount of a financial demand response provision service System.

FIG. 22 is a diagram for showing a company management screen of a financial demand response 30 provision service system.

FIG. 23 is a diagram which is referred to in order to descri.be a business model for realizing a method of providing a financial demand response provision service.

FIG. 24 is a System configuration diagram of a financial demand response provision service system.

FIG. 25 is a sequence diagram of a financial demand response provision service System.

FIG. 26 is a block diagram showing a configuration of a provider server.

FIG. 27 is a diagram showing an example of the data structure of a storage unit.

FIG. 28 is a flowchart showing the Processing operation of the provider server.

FIG. 29 is a screen transition diagram of the employée terminal.

FIG. 30 is a diagram showing an example of a screen configuration of a home screen and a charge switching screen.

FIG. 31 is a diagram cited to explain an 15 application that can be used by an employée in a financial demand response provision service System.

Mode For Carrying Out The Invention [0031]

Hereinafter, with reference to the attached drawings, a first embodiment and a second embodiment (both of which refer to modes for carrying out the présent invention) will be described in detail. The same éléments are denoted by the same reference numerals or symbols throughout the descriptions of the first and second embodiments.

[0032] (Common Configurations in the First Embodiment and the Second Embodiment)

As shown in FIG. 1, the financial demand response provision service System 100 (see FIG. 4) is a System for a financial demand response provision service for one or more employées 4 belonging to a company 1.

As shown in Figure 4, a company server 10 that manages an actual :advance amount (s) for an employée(s) 4 and an crédit limit amount for the

employée(s) 4, an attendance management data server that manages attendance management data of the employée(s) 4, and a provider server 20 that manages a managed account(s) 30a of electronic value information for the employée(s) 4 are connected via a network 60 (see FIG. 1). [0033]

The provider server 20 has an advanceable amount calculation unit that calculâtes an 10 advanceable amount for an employée 4 based on a crédit limit amount managed by the company server 10 and the attendance management data managed by the attendance management data server 11, a transfer processing means that transfers the electronic value information 15 based on the advance amount loaned to the employée 4 to the managed account 30a within the range of the advanceable amount from the electronic value information of the managed account 30a, and an output unit that outputs to the company server 10 the advance 20 amount loaned to the employée 4. [0034]

The company server 10 reflects the advance amount from the provider server 20 in the actual advance amount and calculâtes the crédit limit amount 25 based on the actual advance amount. [0035]

In addition, preferably, the provider server 20 further includes a company crédit management unit that manages company crédit information based on the crédit of the company 1. In this case, the advanceable amount calculation unit preferably further calculâtes the advanceable amount based on the company crédit information. [0036]

Further, the provider server 20 preferably includes a usage fee calculation unit for calculating a usage fee for the financial demand response

provision service based on the electronic value information transferred by a transfer processing means, and a billing unit for billing the usage fee to the company 1 or the employée 4.

[0037] (Configuration of the First Embodiment)

As shown in Figure 1, this business model is realized by means of an employing company 1, a service provider 2, employée(s) belonging to the 10 company 1, and a bank 5. Then, the service provider calculâtes the advanceable amount for an employée based on attendance management data of the employée transmitted from the company 1, and performs a transfer processing for transferring electronic value 15 information of an advance borrowed from an advanced funds 30b to the managed account 30a of an employée within the range of the calculated advanceable amount.

[0038]

Here, managed account refers to a fictional managed account 30a for an employée 4 managed by the service provider 2, and is, for example, an account for managing electronic value information.

The transfer processing of the electronic 25 value information of the advance refers to a process for charging (increasing) the advance to the managed account 30a within the range of the advanceable amount.

[0039]

In order to realize the above business 30 model, company 1 is assumed to hâve an employment contract with the employée(s) 4, and the employée(s) 4 is(are) assumed to hâve applied for the financial demand response provision service with the service provider 2.

Moreover, the service provider 2 is assumed to be managing the managed account (s) 30a and the lending of the advance 30b of the employée(s) 4, and the company 1 is assumed to hâve entered into a payroll transfer agreement with a bank 5 for payroll transfers to one or more bank accounts 50a after subtracting the advance based on the usage record.

Note that here the service provider 2 is assumed to manage the managed account(s) 30a and advance (s) 30b, but the advance (s) 30b is(are) also assumed to be managed by the bank 5 (advance (s) 50b) . Also, the company 1 is assumed to hâve obtained Personal information license(s) from the employée(s) 4 and has obtained a contract to use this business model with the service provider 2 that provides the advance and the bank 5.

In addition, if the company 1 goes bankrupt, the employée(s) is(are) to be paid various Insurance money. Therefore, a contract may be entered into to the effect that this Insurance money may be used to satisfy any shortfalls with the advance for the employée ( s) 4 . [0040] (Flow of Attendance Management (Time) Data)

First, an employée 4 performs some work for the company 1 based on the employment contract (step a) .

Next, the company 1 transmits the attendance management data of the employée 4 to the service provider 2 that provides the financial demand response provision service (step b).

Then, the service provider 2 calculâtes an advanceable amount for the employée 4 based on the attendance management data or the range of the advanceable amount.

Here, at the time when the calculated advanceable amount increases (automatic charge to be described later) or at any time designated by the employée 4 (manual charge to be described later), electronic value information of an advance 30b is transferred to the managed account 30a managed for the employée 4 (hereinafter, referred to as an advance charge) (step c) . As a resuit, the advance charge is stored in the managed account 30a. [0041]

The advance charge amount remaining in the managed account 30a without being used is reset (subtracted) at a predetermined date, for example, at the end of every month. Then, the company 1 acquires from the service provider 2 the salary déduction amount created on the basis of the usage results of the advance charge by the employée 4 (step d) ; the company 1 requests the bank 5 to transfer to the bank account 50a of the employée 4 the salary amount minus the advance amount already advanced (step e); and the bank 5 performs a transfer process based on the request. [ 0042]

The employée 4 inputs the user ID (a user ID may be recorded on a card) and password provided by the service provider 2 into an employée terminal 40 owned by the employée 4 in order to use the advance. The user ID and the managed account 30a are linked by identification information such as an employée number. The managed account 30a is assigned to an employée 4 who belongs to the company 1 and is managed by the service provider 2. By being linked by identifying information such as an employée number, the remaining balance is able to be managed based on the advance usage record. [0043]

The rôles of the company server 10, the attendance management data server 11, and the provider server 20 in the financial demand response provision service System will be described with reference to FIG.2. The financial demand response provision service System includes a company server 10, an attendance management data server 11, and a provider server 20.

[0044]

The company server 10 is a server that 5 handles the information of the employée (s) 4.

Although this embodiment is described as a so-called computer server, any employée 4 information handling System is applicable, including, for example, terminais and handwritten documents.

The information of the employée 4 includes a company ID, an employée ID, a card ID, or the like which will be described later. [0045]

The company server 10 sends the information 15 of the employée as (registered) employée information to the provider server 20 (step SOI).

The provider server 20 sends the advance amount for each employée 4 to the company server 10 as advance usage information (step S02).

[0046]

If the information of an employée 4 belonging to the company 1 is updated or deleted, the company server 10 sends the employée information (update, delete) as employée information to the 25 provider server 20 (step 303). [0047]

The provider server 20 sends, for example, a monthly accounting charge for monthly use of the financial demand response provision service to the 30 company server 10 (step S04) . The monthly accounting includes, for example, the sum of the amount advanced to the employée 4, and the fee for using the financial demand response provision service. [0048]

The company server 10 manages the usage limit for the employée 4. The crédit limit amount is determined by the company 1, and for example, the

crédit limit amount may be raised or lowered based on the work status of the company 1 or the usage status (for example, amount advanced) of the financial demand response provision service. The company server 5 10 sends the crédit limit amount as an individual employée set limit to the provider server 20 (step S05) . [0049]

The provider server 20 manages company 10 crédit information related to the crédit of a company (companies) 1. In this way, an advanceable amount can be determined for each company. Examples of the crédit for a company can include capital, number of employées, asset information, financial information, usage of 15 the financial demand response provision service, and continued usage of the financial demand response provision service. Based on these, the service provider 2 makes its own détermination of the crédit of a company.

Also, the service provider 2 managing the provider server 20 may procure advances 30b through a crowdfunding process that includes sending information on the financial demand response provision service and information on the advance to 25 an unspecified number of people via the network 60.

In this case, the company crédit information also preferably may include advances 30b that were procured through crowdfunding.

The provider server 20 sends the company 30 crédit information as the usage limit for each company to the company server 10 (step S06).

The provider server 20 may manage usage limits for each company; the same predetermined usage limit may be set for multiple companies, and these 35 may be managed; and of the plurality of companies, for some of the plurality of companies, the same predetermined usage limit may be managed, and for

other of the plurality of companies, the usage limit may be managed for each company.

[0050]

The attendance management data server 11 is 5 a server that handles employée attendance management data. In this embodiment, although a so-called computer server is described, any embodiment is applicable to the présent invention so long as it handles employée attendance management data, and 10 includes, for example, a terminal or a handwritten document.

Employée attendance management data includes the company ID, employée ID(s), days worked, hours worked, etc., which will be described later, 15 and is shared in a predetermined format.

The attendance management data server 11 sends an employée's attendance management data to the provider server 20 (step S07). The timing of sending (frequency of sharing) from the attendance management 20 data server 11 to the provider server 20 is not particularly limited, and may be, for example, every day, once a week, or on a spécifie day of the week. [0051]

As shown in FIG. 3, a company 1 has a company 25 server 10, the service provider 2 has a provider server 20, and an employée 4 has an employée terminal 40 .

The employée 4 opérâtes the employée terminal 40; then, when the financial demand response 30 provision service system 100 is used for the provider server 20 (flow fOl), the amount of the advance charge which is stored in the managed account 30a is transferred to the bank account 50a of the employée 4; and that is displayed on the employée terminal 40. 35 Thereby, the employée 4 is able to receive money.

At this time, the service provider 2 collects, from the advance charge, a fee from the employée 4 for using the financial demand. response provision service System 100. In other words, the employée 4 pays the service provider 2 a usage fee (flow f02). The payment of the usage fee is made by 5 the provider server 20 transferring the advance charge minus the usage fee to the bank account 50a of employée 4, and displaying the breakdown on the employée terminal 40. Therefore, the amount that the employée 4 is able to receive is the amount obtained 10 by subtracting the usage fee from the advance charge.

[0052]

The service provider 2 bills the company 1 based on the billing data created which is based on the usage record of the advance charge by the employée 15 4 (flow f04), and the company 1 pays the advance 30b based on the billing data (flow f03).

The company 1 then deducts from the salary the amount that the employée 4 used based on the usage of the advance charge on the closing date of an 20 employee's pay and pays the employée 4 (flow f05). [0053] (System Configuration)

As shown in Figure 4, the financial demand response provision service System 100 comprises an 25 attendance management data server 11 that manages an employée attendance management data at the company, a provider server 20 that manages the managed account 30a for the employée 4 and the advance 30b loaned to the employée 4, as well as provides the financial 30 demand response provision service by using the advance 30b, a bank server 50 that manages the bank account 50a of the employée 4, and an employée terminal 40 owned by the employée 4, these servers are connected via a network 60 such as an IP (Internet 35 Protocol) network. In addition, the company 1 also has a company server 10, which manages employée data of the employée 4 belonging to company 1, for payroll accounting processing, and similar to the attendance management data server 11 described above, is connected to the network 60.

[0054]

Note that the company server 10, the attendance management data server 11, the provider server 20, and the bank server 50 include the entire computer System managed and operated by each of the company 1, the service provider 2, and the bank 5. Further, the employée terminal 40 refers to a terminal such as a mobile phone, a smart phone, a PC (Personal Computer), etc. possessed by the employée 4 and ail of which are able to connect with the network 60. [0055]

Note that the financial demand response provision service System 100 may also realize the above-described business model by using the card payment network of a card company (not shown), which is different from a network 60 such as an IP network. That is, the processing destination of the transfer processing of the electronic value information of the advance may be a managed account for card payment of the card company.

In this case, the employée 4 can carry out shopping at a member location and deposit / withdraw money from a partner ATM (Automatic Teller Machine) via the possessed card. In addition, if the card is a débit card with a crédit card number, the card can be used for online shopping.

Alternatively, a virtual currency such as bitcoin, apple pay or a bank transfer may be used to realize the above business model. [0056]

In recent years, in order to facilitate card settlement, card terminais for card settlement hâve been standardized, and for crédit payments, standard spécifications such as EMV (EuroPay International,

MasterCard International, and Visa International; registered trademarks) and domestic applications are being used, while banks hâve established Fédération Bankers' Association spécifications. As an example of 5 a standard spécification, a general-purpose payment network system, such as CAFIS (Crédit And Finance Information System: registered trademark), is widely used in which card management companies for payment at the national level, distribution companies and 10 third parties such as financial institutions (settlement companies), affiliated stores, etc. are connected online and payments are made using a card such as a crédit card or a cash card. [0057]

Also, in order to differentiate from other companies, a payment network of brands can be established for each payment card operating company instead of a general-purpose payment network based on a strategy for collecting payment cards with a unique 20 service by the payment card operating company. For example, JCN (Japan Card Network; Registered Trademark) in the case of JCB (JCB; Registered Trademark), or VisaNet (Visa Net; Registered Trademark) in the case of VISA (Visa International;

registered trademark), and these payment networks are used as payment networks to replace CAFIS. [0058] (Block Diagram)

As shown in FIG. 5, there is a communication 30 unit 21, a processing unit 22 and a storage unit 23 in the provider server 20 which are commonly connected via a bi-directional input / output bus 24 composed of a plurality of Unes for addresses, data, and control.

[0059]

The communication unit 21 is a communication

LSI (Large Scale Intégration) that carries a

communication interface between the network 60 and the provider server 20 (processing unit 22), and for example, file transfer linked by the API (Application Program Interface) is performed between the company 5 server 10 connected to the network 60 by TCP / IP (Transmission Control Protocol / Internet Protocol). [0060]

The processing unit 22 calculâtes the advanceable amount for the employée 4 based on the 10 attendance management data of the employée sent from the company server 10, and performs a transfer processing to transfer the electronic value information of the advance which is within the range of the calculated advanceable amount to the managed 15 account 30a for the employée 4 in accordance with the program of this embodiment, for example, which is installed in a micro processer that is mounted in or installed in the program area in the storage unit 23 (not shown), and this is done in coopération with the 20 communication unit 21 and the storage unit 23. [0061]

In order for the processing unit 22 to calculate the advanceable amount for the employée 4 based on the attendance management data of employée 25 4 sent from attendance management data server 11 and transfer the advance which is within the calculated advanceable amount range as electronic value information to the managed account 30a of the employée 4, an attendance management (time) data acquisition 30 unit 221, a calculation unit 222, an auto charge data output unit 223, and a déduction data generating unit 224 are provided as program execution means. [0062]

The attendance management data acquisition 35 unit 221 acquires the attendance management data of the target employée 4 from the attendance management data server 11 via the communication unit 21.

[0063]

The auto charge data output unit 223 performs transfer processing for transferring the electronic value information of the advance. 5 [0064]

The déduction data generating unit 224 generates the amount used by the employée as salary déduction data from the electronic value information of the already transferred advance. 10 [0065]

The storage unit 23 is mounted with, for example, a semiconductor storage element such as SRAM (Static Random Access Memory), DRAM (Dynamic Random Access Memory), flash RAM, or a large capacity storage 15 element such as one with light or magnets, and in the embodiment described above in addition to the programs, the employée data 231, payroll table 232, auto charge data 233, charge data 233 an attendance management data 234, company table 235, and transfer 20 data 236 are also stored in the work area. [0066]

As shown in FIG. 6, the employée data 231 has as data items at least a company ID which is uniquely assigned to each company 1 that has entered 25 into a contract for using this business model, and in which the company 1 has entered into employment contract(s), an employée ID uniquely assigned to each employée 4 who applied for use of this business model beforehand, and a manual or automatic désignation which indicate whether to transfer the electronic value information of advance 30b automatically or manually. [ 0067]

The payroll table 232 is input and 35 transferred by a company représentative based on the employment contract(s), and has at least the company ID (identification), employée ID, hourly or daily

rate and salary amount as data items.

The auto charge data 233 is generated by the Processing unit 22 (auto charge data output unit 223 or déduction data generating unit 224), and has at 5 least the employée ID, the fixed transfer amount, and the fluctuating transfer percentage as data items.

The charge data 233a has at least a card ID, manual or automatic, and a charge amount as 10 data items.

The attendance management data 234 has at least company ID, employée ID, working day (s) and working hours as data items, which are input and transferred by a company représentative.

The company table 235 has a company ID (identification) identifying the company and a onemonth withdrawal limit as data items.

The transfer data 236 is information necessary for making transfers to the bank account 20 50a of an employée 4 and includes bank code, branch number, account number, and transfer amount as data items.

The card ID (237) has at least fixed transfer amount and fluctuating transfer amount as 2 5 data items. [0068]

The employée data 231, payroll table 232, auto charge data 233, charge data 233 an attendance management data 234, company table 235, transfer data 30 236, and card ID (237) are ail created in a CSV format for transfer. In addition, employée data 231, payroll table 232, auto charge data 233, and attendance management data 234 are linked by company ID and employée ID.

[0069] (Operation of the Embodiment)

First, how employées choose a advance method

will be explained, and then how to handle financial demand processing will be explained; after that, the method of financial demand response tabulation process will be explained.

[0070] (How to Choose Advance Method)

First, using the employée terminal 40, the employée 4 selects Switch Advance Method from the screens shown in FIGS. 9 and 10 (a) ; then, from the 10 screen shown in FIG. 10 (b), transmit beforehand the sélection information indicating that the transfer of the electronic value information of the advance is to be performed automatically or manually. Furthermore, if the sélection information indicates that the 15 transfer should be done automatically, the employée 4 uses the employée terminal 40 to send additional information for instructing whether to increase the amount of transfer processing as a fixed amount determined beforehand, or to indicate that the amount 20 fluctuâtes based on predetermined rate fluctuation.

As a resuit, the provider server 20 acquires the manual or automatic item with respect to the employée data 231, and the items fixed transfer amount and fluctuating transfer percentage for the 25 auto charge data 233 are included. [0071] (How to Handle Financial Demand Processing)

The processing operation of the provider server 20 will be described below with reference to 30 FIGS. 7 and 8.

How to handle financial demand processing will be explained. The method of the financial demand handling process generally calculâtes the advanceable amount based on the attendance management data of an 35 employée 4 received regularly (every day, etc.). The calculated advanceable amount is managed by the managed account 30a. If an employée 4 has set the setting to automatic charge beforehand, when there is an increase in the advanceable amount, a predetermined amount within the range of the advanceable amount is transferred to the bank account 5 50a of the employée 4 . Details will be described below.

[0072]

In the provider server 20, first, the processing unit 22 inputs and imports the payroll 10 table 232 in the CSV format generated by the company server 10 (step S101). [0073]

Subsequently, when the attendance management data acquisition unit 221 fetches the 15 attendance management data 234 in CSV format by file transfer from the attendance management data server 11 through the communication unit 21 (YES in step S 102), the calculation unit 222 calculâtes the advanceable amount (step S103) .

The advanceable amount that the calculation unit 222 calculâtes refers to the storage unit 23 at the time when the attendance management data 234 is received from the attendance management data server 11, and the advanceable amount is calculated based on 25 the salary (hourly salary / daily salary) per predetermined time unit stored in the payroll table 232 and the working hours according to the attendance management data 234 of the employée 4. The electronic value information corresponding to the calculated 30 advanceable amount is managed by the managed account 30a of the employée 4.

As an example of the advanceable amount, after completing 8 hours of work with a pay rate of l,000JPY per hour, and the advanceable rate set as 35 70%, the wages earned will be 80,000JPY and the advanceable amount will be 56,000JPY.

[0074]

Note that if the calculation unit 222 has received sélection information indicating that the transfer of the electronic value information of the amount is to be performed automatically beforehand 5 (automatic charge) from the employée terminal 40, the calculation unit 222 also performs processing to reset the advance amount not used as of the payroll date, and furthermore, the déduction data generating unit 224 performs a calculation processing for 10 generating the amount used by the employée 4 out of the advanced charged amount as salary déduction data. [0075]

If the auto charge data output unit 223 has received sélection information indicating that the 15 transfer of the electronic value information of the amount is to be performed automatically (automatic charge) beforehand from the employée terminal 40 instructing, i.e. when the sélection information is selected to be automatically performed (automatic 20 in step S104), then while the electronic value information of the advanceable amount managed by the managed account 30a of the employée 4 at the time when the advanceable amount increases (YES in step S105), the auto charge data output unit 223 transfers 25 the electronic value information corresponding to the predetermined advanceable amount increase from the managed account 30a of the employée 4 to the bank account 50a.

[0076]

If the auto charge data output unit 223 indicates that the increase information is to be fixed (fixed in step S107), the predetermined advanceable amount increase is fixed if the fixed amount is lower than the advanceable amount increase, and if the 35 increase is lower than the fixed amount, the increase is taken (step S108) .

As a resuit, a fixed amount from the

increased advance amount can be transferred to the bank account 50a.

[ 0077]

Further, if the auto charge data output unit

223 instructs that the increase information is fluctuating (fluctuating in step S107), the predetermined advanceable amount incrément is an amount obtained by multiplying the increase amount by the fluctuating rate. (Step S109).

As a resuit, because an amount multiplied by a fixed percentage of the increased advance amount can be transferred to the bank account 50a, a large amount based on the amount of work is transferred for the employée.

The predetermined advanceable amount incrément obtained in this manner is stored in a predetermined area (auto charge data 233) of the storage unit 23, and transfer (advance charge) of electronic value information of the advance is executed (step S110) . [0078]

On the other hand, if the sélection information has been received beforehand from the employée terminal 40 to transfer manually (manual 25 charge) the electronic value information of the advance (manual in step S104) , then from the electronic value information of the advanceable amount as managed by the managed account 30a of the employée 4 at the time when the transfer insuruction is given from the employée terminal 40 (YES in step S 106), a transfer process for transferring the electronic value information corresponding to the prescribed amount in the transfer instruction information from the managed account 30a of the 35 employée 4 to the bank account 50a of the employée 4 is performed (step S110).

The instructions for transfer from the employée terminal 40 are performed by transmitting transfer instruction information for instructing the transfer of a predetermined amount from the employée terminal.

For this reason, an advance can be performed at the time based on an employée's 4 own intention.

Also, if the total of the electronic value information subject to a transfer processing within a predetermined period (for example, a one-month 10 period) exceeds electronic value information corresponding to a preset withdrawal limit, then the auto charge data output unit 223 may cancel the transfer process. [0079] (Method of Financial Demand Response Tabulation Process)

Next, the method of financial demand response tabulation process will be explained.

As shown in FIG. 8, when the salary closing 20 date cornes (YES in step S201), the provider server 20 (calculation unit 222) performs the calculation of a fee collection processing (details to be described later) and a processing of resetting the electronic value information of the transferred advance that had 25 not been used by the payroll closing date (step S202) . [0080]

Each time the auto charge data output unit 223 performs transfer processing, the calculation of the fee collection process is performed by converting 30 the transfer processing transfers targets to the electronic value information obtained by subtracting the electronic value information corresponding to the transfer processing fee from the corresponding electronic value information, instead of the 35 corresponding electronic value information. [0081]

Subséquently, the déduction data generating

unit 224 generates the amount used by the employée 4 as obtained from the calculation unit 222 as salary déduction data (step S203) .

That is, the déduction data generating unit 224 generates from the electronic value information of the transferred advance in the CSV format the amount used by the employée as the salary déduction data . [0082]

Then, the company server 10 acquires salary déduction data (CSV) generated by the déduction data generating unit 224 from the provider server 20 (déduction data generating unit 224) by periodically (e.g., the end of the month) or irregularly (employée busy period or off season) downloading the déduction data, and requests performing the transfer Processing to the bank account 50a of the employée 4 of the transfer amount minus the advance used to the bank server 50. [0083] (Screen Transition Diagram of Employée Terminal)

As shown in FIG. 9, on the LCD (Liquid Crystal Display) monitor of an employée terminal 40, a login screen, a home screen, and a logout screen are displayed. From the home screen of which an example of the screen configuration is shown in FIG.10A, transitions between the advance application screen, advance method switching screen whose screen configuration is shown in FIG. 10B as an example, and the advance history screen are possible. [0084]

As shown in FIG. 10A, on the Home screen, in addition to the advance available amount, buttons for advance application, advance method switching, usage statement, and account management are provided, and when an employée 4 selects (taps) one of these buttons, the advance application screen, advance method switching screen, viewing of usage statement, and account management, which are services corresponding to the respective buttons, are executed. 5 [0085]

Further, as shown in FIG. 9 and FIG. 10B, on the advance method switching screen, a radio button has been assigned to switch between automatic advance (automatic) and manual advance (manual). By 10 the employée 4 operating the employée terminal 40 at the first login and by making one of them valid and pressing the proceed button, at the time when the advanceable amount increases, switching the sélection information that instructs an automatic or manual 15 transfer of the electronic value information of the advance is possible. Here, when auto prepayment is selected, fixed and fluctuating radio buttons become selectable, and depending on the selected radio button, the fixed advance amount or 20 fluctuating advance rate input fields can also be entered.

When the employée 4 inputs a predetermined number in the input field and taps the détermination button, the screen transitions to an advance method 25 switching completion screen (not shown), and the advance method switching is completed.

Then, when the employée 4 confirma (a tap of the OK button which is not shown), the prepayment completion screen is displayed.

The fixed advance amount is for transferring the amount of the increased advance amount (the predetermined advanceable amount increase amount), which is input in the fixed advance amount field. That is, when the fixed advance amount is lower 35 than the increase amount of the advanceable amount, the fixed advance amount is transferred to the bank account 50a and if the increase amount of the

advanceable amount is lower than the fixed advance amount, the increase amount of the advanceable amount is transferred to the bank account 50a.

[0086]

Note that if the advance application screen is selected in Figure 9, when the advance allowance frame is displayed on the LCD monitor of the employée terminal 40 and the employée 4 inputs a advance application amount within the allowance, the 10 screen transitions to a advance confirmation screen (not shown). Then, the employée 4 confirms (a tap of the OK button which is not shown), and the advance completion screen is displayed.

[0087] m addition, on the account management screen, a list of accounts such as registered bank accounts is displayed, and if the Account registration screen is selected, the employée 4 needs to input the name of the bank and the branch 20 and the account number via the employée terminal 40.

When these necessary items are input, the screen changes to the account registration confirmation screen, and transitions to the account registration completion screen when confirmed by the employée 4. 25 [0088]

When the provider server 20 receives the attendance management data of an employée 4 from the attendance management data server 11, and receives the salary per predetermined time unit as defined in 30 the employment contract (employment conditions) of pte employée 4, the advanceable amount may be calculated based on the actual working hours based on the attendance management data of the employée 4 and a transfer processing of the electronic value 35 information of the advance may be performed. Note that when calculating the advanceable amount, if hourly rate is not specified in the employment conditions,

a pattern may be considered in which the amount of the monthly salary is divided by the day increases with time and date, or a pattern with a fixed amount, for example, in which up to 100,000 yen can be used 5 as the advanceable amount when working half of the month.

[0089]

If the provider server 20 has received sélection information beforehand for automatically 10 transferring the electronic value information of the advance from the employée terminal 40 (automatic charge), then the transfer process of electronic value information of the advance may be performed at the time when the advanceable amount increases. On 15 the other hand, if sélection information for manually transferring the electronic value information of the advance has been received from the employée terminal 40 beforehand (manual charge) , then the transfer Processing of electronic value information of the 20 advance may be performed at the time when there is a transfer instruction from the employée terminal 40. [0090]

If automatic charge has been selected, the provider server 20 resets the amount of the electronic 25 value information of the transferred advance that has not been used as of the payroll day (the end of each month), and the amount used may be generated as salary déduction data. The company server 10 is obtained by downloading the salary déduction data generated by 30 the provider server 20, and after deducting the advance amount, performs the transfer processing to the bank server 50 of the amount minus the advance amount to the bank account 50a of the employée 4. [0091]

The use of the advance charge advance amount is managed by the sélection information input when the employée 4 logs in to the provider server 20.

That is, if the provider server 20 has received the sélection information from the employée terminal 40 beforehand instructing that transfer of the electronic value information of the advance be done 5 automatically, then a transfer processing is performed to transfer the electronic value information of advance at the time when the advanceable amount is increased by a predetermined amount. On the other hand, if the sélection 10 information that has been received from the employée terminal 40 beforehand instructs that the transfer of the electronic value information of the advance be done manually, then at the time when an instruction for transfer is given from the employée terminal 40, 15 transfer processing is performed to transfer the electronic value information of the advance. [0092] (When Involving Multiple Companies)

As shown in FIG. 11, the financial demand 20 response provision service is also able to respond to the employées 4 who belong to a plurality of companies 1. That is to say, an employée 4 who uses the financial demand response provision service can receive advances from a plurality of companies using 25 the financial demand response provision service. When an employée 4 applies for an advance, the employée 4 is able to select any company for which the auto charge advance is available.

The service provider 2 may issue a financial 30 demand response provision service account for each company. The account is preferably managed by an account ID or a card ID provided on the issued card. By issuing an account to the employée, a company ID issued to the company is also able to be associated. 35 The method of associating the employée with the company may be performed automatically, manually, or in combination.

[0093]

Hereinafter, an employée 4 belonging to Company A having the company server 10a and the attendance management data server lia, and Company B 5 having the company server 10b and the attendance management data server 11b will be described in detail. [0094]

First, the employée 4 applies to the service provider 2 for providing financial demand response 10 provision service for Company A and for providing financial demand response provision service for Company B.

The service provider 2 exchanges the employée information (registration, update, délétion), 15 usage limit, and time information between the provider server 20 and the company server 10a and the attendance management data server lia of Company A. Similarly, the service provider 2 exchanges the employée information (registration, update, délétion), 20 usage limit, and time information between the provider server 20 and the company server 10b and the attendance management data server 11b of Company B. [0095] (How to Choose Advance Method)

The employée 4 opérâtes the employée terminal 40, and the financial demand response provision service System 100 can be used to access the provider server 20 in the operation screen as shown in FIG. 12.

At this time, the employée 4 is able to receive an advance by applying for an advance by selecting which company the advance is to be used.

FIG. 12 shows an operation screen. The employée 4 can select the company from which the 35 advanced will be received by operating the operation screen. A default setting function of the previously chosen company selected by the employée 4 for the

advance may appear the next time the operation screen is started.

[0096]

Also, based on évaluation criteria of the 5 financial demand response provision service offering system, the financial demand response provision service System may select a company from which to receive the advance without letting employée 4 make the sélection.

In addition, depending on the évaluation of the financial demand response provision service, the applied for advance amount may be divided and received from multiple companies. If the advance is divided, the financial demand response provision service 15 system may use its own system-specific basis, such as even division or slope distribution division. [0097] (Fee Collection Process)

A method of fee collection processing for when an employée 4 uses the financial demand response 20 provision service system with a card (the usage of the card will be described in detail in the second embodiment) will be described using FIG.13.

When an employée 4 uses the employée terminal 40 and the card (flow f07, f08) to perform 25 a procedure to receive a predetermined advance amount (prepayment of salary) (flow fOl), the advanceable amount is increased by the available advance. The provider server 20 collects a fee as a system usage fee from the card usage amount (flow f02).

The provider server 20 calculâtes the amount of the advance to the employée 4 on the closing date, and the service provider 2 bills the company 1 based on the advance (billing data) created based on the usage results of the advance charge by the employée 35 4 (flow f04) , and the company 1 pays the amount advanced (flow f03).

The company 1 pays the employée 4 by

deducting from the salary the amount used by the employée 4 based on the advance charge use on the closing date of the employee's salary (flow f05).

That is, when an employée 4 uses the advance 5 System and receives a salary advance, a fee is collected and the remaining amount is transferred to the employee's bank account; then, the company 1 deducts the employee's 4 card usage amount from the salary and pays the employée 4. Preferably, the data 10 regarding salary déduction can be downloaded from the financial demand response provision service System. [0098]

Using FIG. 14, another method of fee collection processing for when an employée 4 uses the 15 financial demand response provision service System will be described.

When an employée 4 performs a procedure to receive a predetermined advance amount (prepayment application amount) using the employée terminal 40 20 (flow fil), the provider server 20 charges the card with the advance amount (flow fl2), and the advanceable amount is increased by the advance amount. When the employée 4 uses the card (flow fl3), and the card usage amount (purchase amount) and card 25 use fee is subtracted on from the card's balance (advanceable amount) (flow fl4).

The provider server 20 totals the advance amount loaned to the employée 4 on the closing date; the service provider 2 bills the company 1 based on 30 the billing data created based on the usage history of the employee's 4 advance charges (flow fl5); and The company 1 pays advance 30b based on the billing data .

The company 1 deducts the advance amount on 35 the closing date of the employée 4 from the salary and pays the employée 4 (fl6).

That is, when the employée 4 uses the financial demand response provision service System, the provider server 20 charges the card the amount requested to be advanced by the employée 4 (full charge with respect to the input amount), and the advanceable amount is increased. However, each time the employée 4 uses the card, the provider server 20 charges a fee from the charge on of the card (reduces the advanceable amount). Therefore, the user 4 cannot use ail of the advance amount of the card charge (advanceable amount). Note that although that a fee is collected each time a card charge is made has been described, the number of times of collection may be limited. Specifically, for example, collection may only occur the first time after the payday (or closing date) has passed, or collection may occur only after three or more uses; depending on the number of uses, the amount to be collected may be changed (increase or decrease each time it is used). [0099]

Another method of fee collection processing for when an employée 4 uses the financial demand response provision service System will be described using FIG. 15.

When an employée 4 performs a procedure to receive a predetermined advance amount (prepayment application amount) using the employée terminal 40 (flow f21), the provider server 20 charges the amount obtained by subtracting the fee from the advance amount on the card (flow f22).

When the employée 4 uses the card, the card usage amount (purchase amount) is subtracted from the card balance (advanceable amount).

The provider server 20 totals the advance amount loaned to the employée 4 as of the closing date, and the service provider 2 bills the company 1 the amount of advance created based on the results of the advance charge usage by the employée 4 (flow f23).

The company 1 deducts the advance amount as of the employée's 4 closing date from the salary and pays the employée 4 (flow f24).

That is, when the employée 4 uses the 5 financial demand response provision service System, the card is charged the advance amount minus the fee. (the full amount of the advance is not charged) . Therefore, no fee will be collected from the card's charge (advanceable amount) each time the card is 10 used.

Note that although that the amount of the advance was reduced by the fee was explained as being charged, the card should hold the amount of charge and the amount available, and the charge on the card 15 may be increased by the full amount and the fee may be subtracted from the advanceable amount. [0100]

Another method of fee collection processing for when an employée 4 uses the financial demand 20 response provision service System will be described using FIG. 16.

When an employée 4 performs a procedure to receive a predetermined advance amount (prepayment application amount) using the employée terminal 40 25 (flow f31), the provider server 20 charges advance amount to the card (flow f32).

When the employée 4 uses the card, the card usage (purchase amount) is subtracted from the card's balance (advanceable amount).

The provider server 20 totals the advance amount loaned to the employée 4 as of the closing date; the service provider 2 bills the company 1 based on the advance amount created based on the actual advance use amount by the employée 4 as well as a 35 usage fee for the employée's 4 use of the card (flow f33), and the company 1 pays the bill.

The company 1 then pays the employée 4 by deducting the advance amount as of the employée's salary closing date from the employée's salary 4(flow f34) .

That is, when the employée 4 uses the 5 financial demand response provision service System, the provider server 20 charges the card the advance amount entered by the employée 4 (full charge for the input advance amount), and the advanceable amount is increased. On the other hand, when the employée 4 uses 10 the card, the provider server 20 charges a fee to the company 1. Therefore, user 4 can use ail of the advanceable amount.

Note that the fee charged to the company 1 may be calculated in accordance with the number of 15 times the employée 4 uses the card, or a limit may be placed on the number of times billed.

Specif ically, for example, it may be done only once or may be done - a predetermined number of times, or the number of times of use after a 20 predetermined number of times (for example, the third time) may be used; and depending on the number of times, the amount to be charged may be changed (increase or decrease for each use). [0101]

Using FIG. 17, another method of fee collection processing for when an employée 4 uses the financial demand response provision service System will be described.

When an employée 4 performa a procedure to 30 receive a predetermined advance amount (prepayment of salary) at the employée terminal 40 (flow f41), the provider server 20 transfers the electronic value information in a manner specified by the employée 4 (flow f42), and subtracts a fee from the advanceable 35 amount (flow f43).

The provider server 20 totals the advance amount (electronic value information) loaned to the employée 4 as of the closing date, and the service provider 2 bills the company 1 based on the usage results by the employée 4 of the advance amount (electronic value information) (flow f44), and the company 1 pays on the bill.

The company 1 deducts from the employée's 4 salary the amount used based on the actual advance use amount as of the employée's salary closing date, and pays the employée 4 (flow f45).

That is, when the employée 4 uses the financial demand response provision service and receives a salary advance, a fee is collected; the remaining amount is transferred to the employée's managed account; the company 1 deducts the amount the employée 4 used from the salary based on the electronic value information, and pays the employée 4 .

Note that the provider server 20 may charge a fee each time the employée 4 uses the financial demand response provision service may bill collectively at the closing date. Also, the number of times of use may be limited. Specifically, for example only the first time after the payday (or closing date) has passed may be billed, or you may request each time after three or more use may be billed, and depending on the number of times, the amount to be charged may be changed (increase or decrease for each use ) . [0102]

Using FIG. 18, another method of fee collection processing for when an employée 4 uses the financial demand response provision service will be described.

When an employée 4 performs a procedure to receive a predetermined advance amount (prepayment of salary) at the employée terminal 40 (flow f51), the provider server 20 transfers the electronic value

information in a manner that the employée 4 désignâtes for the advance amount (flow f52).

When the employée 4 uses the financial demand response provision service System (flow fl3), 5 the amount used (purchase amount) is subtracted from the advanceable amount (electronic value information) .

The provider server 20 totals the advance amount loaned to the employée 4 as of the closing date, and when the service provider 2 charges the 10 advance amount to the company 1 based on the usage results by the employée 4 of the advance amount (electronic value information) and bills based on the fee associated with the use by the employée 4 of the electronic value information (flow f54), and the 15 company 1 pays the bill.

The company 1 deducts the amount of the advance as of the closing date of employée's salary from the employée's 4 salary, and pays the employée 4 (flow f55) .

That is, when the employée 4 uses the financial demand response provision service System, the provider server 20 adds the advance amount input by the employée 4 to the electronic value information corresponding to the advanceable amount (an increase 25 of full amount to the pay advance entered) . On the other hand, when the employée 4 uses the electronic value information, the provider server 20 charges a fee to the company 1. Therefore, the user 4 can use ail of the advanceable amounts.

Note that the fee charged to the company 1 may be calculated in accordance with the number of times the employée 4 uses a card, or a limit may be placed on the number of times billed. Specifically, for example, it may be done only once or may be done 35 a predetermined number of times, or the number of times of use after a predetermined number of times (for example, the third time) may be used; and

depending on the number of fîmes, the amount to be charged may be changed (increase or decrease for each use ) .

[0103] (Aggregation Period)

As shown in FIG. 19, payday is different for each company. Therefore, the aggregation period of the financial demand response provision service System may be set individually, and either a closing 10 date (individual closing date) corresponding to each company may be set or one closing date (common closing date) may be set for ail companies . In this case, after the elapse of each aggregation period, the service provider 2 bills each company after an 15 arbitrary time.

The billing method for each company may be done, for example, by paper invoices, electronic billing, etc., but other methods may be used. [0104] (Company Crédit)

As shown in FIG. 20, the service provider 2 may perform crédit screening on a company 1.

When a company applies to use the financial demand response provision service System, the service 25 provider 2 receives provisional information on the crédit of the company, such as capital, the number of employées, asset information, or account settlement information of the company.

The service provider 2 either sets or does 30 not set a usage limit for a company based on the crédit information and issues an account.

The usage limits to be set include the range of the advanceable amount available throughout the company, the range of the advanceable amount 35 available for each employée, and the range of the advanceable amount for labor wages, but are not limited to these.

In addition, the method for a company 1 to apply for and be issued an account may include, but is not limited to, in writing, via electronic mail, orally, or the like.

[0105]

As shown in FIG. 21, the advanceable amount (limit amount) for a company may be changed based on the performance of the company. That is, the advanceable amount (limit amount) may be changed 10 based on the payment performance of the company to the service provider 2.

For example, although Company A has only 100 employées, it has been using the financial demand response provision service system for a long period 15 of six months, so the limit is set at 30 million yen.

On the other hand, because Company B has only a short usage history of one month, the limit is set at 10 million yen.

Because Company C has a crédit problem (the 20 invoice payments hâve been delayed),- while the usage history of the financial demand response provision service system has been as long as six months, the limit amount has been reduced to 10 million yen.

That is, the service provider 2 is able to 25 arbitrarily set the usage limit of a company based on the usage record of the financial demand response provision service system, the crédit of the company such as delayed payment, unpaid payment, and the like. Also, if there is a situation in which the crédit is 30 significantly lowered, such as when the unpaid crédit continues, use of the financial demand response provision service system is preferably discontinued.

As shown in FIG.22, the management screen for managing a plurality of companies displays 35 company names a, the monthly usage / balance b, the number of consecutive months c, the number of employées d, the grade (crédit rank) e etc. so that

crédit can be determined, and the grade (crédit rank) e is able to be set based on the company name a, the monthly usage / balance b, the number of consecutive months c, and the number of employées d.

[0106]

According to the financial demand response provision service System 100, if the sélection information is selected to be performed automatically, at the time when the advanceable amount increased, an 10 auto charge data output unit 223 that performs a transfer processing for electronic value information corresponding to a predetermined advanceable amount increase to the employée's managed account from the electronic value information of the advanceable 15 amount for the employée; the auto charge data output unit 223 assumes that the predetermined advanceable amount increase is a fixed amount if the increase information indicates that the amount is fixed and that the fixed amount is lower than the increase of 20 the advanceable amount, and if the increase is lower than the fixed amount, then because it is an increase, an advance (payroll prepayment) is able to be made within the salary advance range and can be used in real time without relying only on bank transfers on 25 the employée side to realize the financial demand response provision service.

A company 1 does not need to préparé the advance because the service provider 2 performs the fund transfer. For this reason, a company 1 can use 30 the financial demand response provision service System without bearing the burden of the advance. [0107]

Note that the advanceable amount is determined by the pay amount and the actual working 35 hours defined in the employment conditions, and the daily work hours are automatically delivered in a CSV format from the attendance management data server 11 of the company 1 to which the employée 4 belongs, so that the burden on a company représentative is greatly reduced. Note also that attendance management data such as daily working hours may be manually uploaded. 5 [0108]

Further, according to the financial demand response provision service System 100 according to the présent embodiment, if automatic charging of the advanceable amount (Automatically transferring electronic value information ) is enabled, when actual working hours increases, an automatic charge can be done. Also, if automatic charging is enabled, charges that were not used by the pay close date will be reset, and the deducted amount paid to the employée 15 as salary is only from the amount used. For this reason, the management load on the accounting person(s) at the company 1 and the employée 4 who is the user can be greatly reduced. In addition, when the automatic charge is disabled (manually 20 transfers electronic value information of advance), an operation manually input by the employée 4 within the range of the advanceable amount is able to be charged, and in this case, manual charging becomes possible at the employee's 4 discrétion which 25 enhances usability because it can be used flexibly. [0109] (Advance Financial Demand Response Provision Service Method)

In addition, according to the présent 30 embodiment, a financial demand response provision service method for providing a financial demand response provision service to employées belonging to company which has a company server that manages the actual advance amount of employées and the crédit 35 limit amount for employées, an attendance management data server which manages an employee's attendance management data, and a provider server that manages

managed accounts of employées' electronic value information and are connected via a network, the provider server has a step of calculating an advanceable amount for an employée based on an crédit limit amount managed by a company server and attendance management data managed by the attendance management data server, a step of transferring the electronic value information corresponding to the advance amount loaned to the employée within the range of the advanceable amount calculated from the electronic value information of the management account, a step of outputting the advance loaned to the employée to the company server, the company sever has a step of reflecting the advance from the provider server to the actual advance amount and calculating a crédit limit amount corresponding to the actual advance amount.

[0110]

According to the method of providing a financial demand response provision service according to the présent embodiment, a business model can be realized in which a provider server 20 calculâtes an advanceable amount for an employée 4 based on attendance management data, and by executing a transfer process of electronic value information of the advance to the managed account 30a of an employée 4 which is within the range of the calculated advanceable amount, an employée 4 is able to use a advance in real time without relying only on a bank transfer.

Further, since the amount advanced from the provider server 20 is reflected in the actual advanced amount and the crédit limit amount is calculated based on the actual advanced amount, a company is able to raise or lower the crédit limit amount for an employée.

[OUI] (Provider Server)

Also, for example, as shown in FIG.4, the provider server 20 is connected via a network to an attendance management data server 11 which manages the time of an employée 4 of a company 1 and to an employée terminal 40 which is able to provide sélection instructions for automatically or manually transferring electronic value information of the advance to the employée 4 from the company 1 and if the sélection information provides instructions to be done automatically, able to send the increase information indicating that the increase of amount of the advance in the transfer process is fixed at a predetermined fixed amount or that the increase is done as a fluctuating increase based on a predetermined fluctuating rate. [0112]

The provider server 20 manages managed account (s) of employées and the advance from the company, and provides a financial demand response provision service for advance. In this embodiment according to the provider server 20 concerned, the provider server 20 reflects the advance amount on the actual advance amount, and because the crédit limit amount is calculated based on the actual advance amount, a company is able to raise or lower the crédit limit amount for an employée. [0113]

Also, for example, as shown in FIG.3 a program according to the présent embodiment is a program for a provider server that manages a financial demand response provision service for employées and managed accounts of employées' electronic value information which is connected via a network to a company server that manages an actual advance amount for employées belonging to a company and an crédit limit amount for employées, and an attendance management data server that manages employée

attendance management data. Then, for example, as shown in the flowchart of FIG. 7, the program is characterized in that it perforas on a computer (provider server 20) a procedure for calculating an 5 advanceable amount for an employée based on the crédit limit amount managed by the company server and the attendance management data managed by the attendance management data server, a procedure for transferring electronic value information corresponding to an 10 advance loaned to the employée within a range of a calculated advanceable amount from the electronic value information of managed account, and a procedure for outputting the advance amount loaned to the employée to the company server.

[0114]

According to the program of the present embodiment, by having the provider server 20 sequentially reading and executing the stored programs according to the present embodiment which 20 are stored in the program area of a storage unit 23, an employée 4 able to use an advance in real time without relying only on bank transfer. [0115] (Configuration of a Second Embodiment)

The business model of a second embodiment is realized by an employing company 1, a service provider 2, a card company 3, employed employée(s) 4, and a bank 5. Then, the service provider 2 calculâtes an advanceable amount for an employée 4 based on the 30 attendance management data of the employée 4 as transmitted from the company 1, and instructs the card company 3 to transfer electronic value information of an advance 30b which are within the range of a calculated advanceable amount in the managed account 35 30a of the employée 4. In response to this, the card company performs a transfer processing of the electronic value information of the advance 30b to the managed account 30a of the employée 4. [0116]

In order to be able to realize the above business model, company 1 is assumed to hâve signed 5 an employment contract with employée 4, and the employée 4 is assumed to hâve applied for the financial demand response provision service with the service provider 2. In addition, the card company 3 is assumed to manage the employée 4's managed account 10 30a and the advanced 30b, and company 1 is assumed to hâve entered into a payroll transfer agreement with the bank 5 for the transfer of the salary to the bank account 50a after deducting the actual advance use amount. Note that here the card company 3 is assumed 15 to be managing the managed account 30a and the advance 30b, but also the advance 30b are also assumed to be managed by the bank 5 (advance 50b) . Also, after obtaining personal information permission for employée 4, the company 1 needs to hâve a contract 20 for using this business model with the card company 3 or the bank 5 or the service provider 2 who procures the advanced. [ 0117]

The flow of data for realizing this business 25 model is as follows. [ 0118]

As shown in FIG. 23, first, the employée 4 performs labor for the company 1 based on the employment contract (step a) . Next, the company 1 30 transmits the attendance management data of the employée 4 to the service provider 2 that provides the financial demand response provision service (step b) . Then, the service provider 2 calculâtes the advanceable amount for the employée 4 or the range 35 based on the attendance management data, and at the time when the advanceable amount calculated here is increased (automatic charge to be described later) or at any time designated by the employée 4 (manual charge to be described later) , apply to the card company 3 for a transfer of the advance to be loaned (step c) . At this time, the card company 3 that has received the application performs a transfer of the electronic value information of the advance (hereinafter referred to as advance charge) to the managed account 30a managed by the card company 3 for the employée 4(step d).

[0119]

Note that the amount of the advance charge left unused is reset (subtracted) at the end of every month. Then, the company 1 acquires from the service provider 2 a payroll déduction amount created based 15 on the usage results of the advance charge amount by the employée 4 (step e) , requests the bank 5 to transfer to the bank account 50a of the employée the salary amount minus the advance amount used 4 (step f), and the bank 5 performs a transfer process based 20 on the request.

[0120]

Also note that the employée 4 may possess a card 40 which was manufactured by a printing company at the request of the card company 3 in order to use 25 the advance. The cards 40a also include those issued by companies other than card companies. The card 40a may be a crédit card, a débit card, a prepaid card or even perhaps electronic money. The card 40a is managed together with the managed account 30a assigned to the 30 employée 4 belonging to the company 1, which is managed by the card company and the card 40a is linked by a uniquely assigned card number, an identification information or possibly a company code and an employée number. As a resuit, balance management is performed 35 based on the advance usage results. Therefore, the balance charged to the managed account 30a and the card 40a needs to always be synchronized.

[0121]

Note that the card 40a is not necessarily essential in realizing the business model, and identification information such as a uniquely 5 assigned card number as the card 40a may be substituted. [0122]

As shown in FIG. 24, the financial demand response provision service System 100 according to 10 the présent embodiment involves connecting an attendance management data server 11 for managing the time of an employée 4 in the company 1, a card company server 30 for managing a managed account 30a of the employée 4 and an advance 30b for the employée 4, a 15 provider server 20a for providing the financial demand response provision service for using the advance 30b, a bank server 50 that manages the bank account 50a of the employée 4, and an employée terminal 40 owned by the employée 4 which are 20 connected via a network 60 such as an IP (Internet Protocol) network.

Note that for the company 1, the company server 10 is also set up to manage the employée data of employée 4 belonging to company 1 for payroll 25 accounting processing, and similar to the attendance management data server 11 described above, is connected to the network 60. The case where the card company server 30 is installed at a place other than the card company is also included. 30 [0123]

Note that the company server 10, the attendance management data server 11, the provider server 20a, the card company server 30, and the bank server 50 include the entire computer System managed 35 and operated by the company 1, the service provider 2, the card company 3, and the bank 5, respectively. Further, the employée terminal 40 refers to a terminal

such as a mobile phone, a smart phone, a PC (Personal Computer), etc. possessed by the employée 4 and having a connection with the network 60. [0124]

In the above-described System configuration, the provider server 20a calculâtes the advanceable amount for the employée 4 based on the attendance management data of the employée 4 transmitted from the attendance management data server 11, and 10 transmits a message instructing the transfer of electronic value information of the advance to the managed account 30a (card 40a) of the employée 4 within the range of the calculated advanceable amount to the card company server 30. The card company server 15 30 transfers the electronic value information (advance charge) to the managed account 30a (card 40a) of the employée 4 due to receiving the message. [0125]

At the time when the attendance management 20 data of employée 4 is received from attendance management data server 11, the provider server 20a calculâtes the advanceable amount based on the fixed salary per unit time under the terms of the employment contract (employment conditions) of the employée 4 25 and the actual working hours based on the attendance management data of the employée 4, and may send a message instructing the transfer of the electronic value information of the advance to the card company server 30. Note that when calculating the amount 30 payable, if the salary per hour is not specified in the employment conditions, a pattern may be considered in which the amount of monthly salary divided by the day increases based on the time and date, or for example, a pattern in which up to 100,000 35 yen as a fixed amount can be used as the payable amount when working half of the month. [0126]

If the provider server 20a has received sélection information beforehand from an employée terminal 40 instructing the transfer of electronic value information of the advance to be done 5 automatically (automatic charge), the provider server 20a may automatically transmit a message instructing the transfer of the electronic value information of the advance to the card company server 30 at the time when the advanceable amount increases . On the other 10 hand, if the provider server 20a has received sélection message beforehand from the employée terminal 40 instructing a transfer of the electronic value information of the advance is to be done manually (manual charge), the provider server 20a may 15 transmit a message instructing the transfer of the electronic value information of the advance to the card company server 30 at the time when an instruction for transfer is received from the employée terminal 40 .

[0127]

If automatic charge was selected, from the electronic value information of the transferred advance, the provider server 20a resets the amount of money not used at the end of the payroll day (the end 25 of every month), and the amount used may be generated as salary déduction data. The company server 10 acquires the salary déduction data generated by the provider server 20a by downloading it, and performs a transfer process to the bank server 50of the salary 30 amount minus the advance to the bank account 50a of the employée 4. [0128]

Note that the financial demand response provision service System 100 according to the présent 35 embodiment is assumed to realize the above-described business model using the card settlement network of a card company 3 (not shown) which is different from the network 60 such as an IP network. For this reason, the employée 4 is able to shop at a member store and deposit / withdraw money from a partner ATM (Automatic Teller Machine) using the possessed card 40a. In 5 addition, if the card 40a is a débit card to which a crédit card number is provided, it can also be used for online shopping.

[0129]

In recent years, in order to facilitate card 10 payments, standardization of card terminais used for card payments has been implemented, for crédit payments, standard spécifications such as EMV (EuroPay International, MasterCard International and Visa International; registered trademark) and domestic applications are being used, and banks hâve established Fédération Bankers' Association spécifications. As an example of a standard spécification, a general-purpose payment network System, such as CAFIS (Crédit And Finance Information

System: registered trademark), is widely used, in which card management companies for payment at the national level, distribution companies and third parties such as financial institutions (settlement companies), affiliated stores, etc. are connected 25 online and payments are made using a card such as a crédit card or a cash card.

[0130]

Also, in order to differentiate from other companies, a payment network of brands can be 30 established for each payment card operating company instead of a general-purpose payment network based on a strategy for collecting payment cards with a unique service by the payment card operating company. For example, JCN (Japan Card Network; Registered 35 Trademark) in the case of JCB (JCB; Registered Trademark), VisaNet (VisaNet; Registered Trademark) in the case of VISA (Visa International; registered trademark), and these payment networks are used as payment networks to replace CAFIS. [0131]

Hereinafter, the basic operation of the 5 financial demand response provision service system 100 according to the présent embodiment shown in FIG. 24 will be described with reference to FIG.25. The provider server 20a and the card company server 30 correspond to the provider server 20 of the first 10 embodiment.

[0132]

When the attendance management data server 11 transmits the attendance management data of the employée 4 to the provider server 20a (step SU) , the 15 attendance management data is transferred to the card company server 30 (step S12). Note that the employée terminal 40 has already executed the processing for applying for the use of the financial demand response provision service system 100 that implements the 2 0 business mode 1 by inputt i ng the necessary items be forehand.

[0133]

In response to this, Card Company 3 has the card 40a which was ordered to be manufactured by a 25 printing company (not shown) delivered by mail or the like (step S13). Note that in the financial demand response provision service system 100 according to the présent embodiment, the card 40a is not essential, and at a minimum, identification information such as 30 a card number which can be managed by the card company server 30 and can be shared with employées is sufficient. [0134]

Next, the employée 4 opérâtes the employée 35 terminal 40 to login to the site (provider server 20a) of the service provider 2 based on the login information enclosed in the mailed card 40a (step

S14) . For the first login, the employée 4 opérâtes the employée terminal 40 to input sélection information instructing either the automatic transfer of the electronic value information of an advance 5 (automatic charge) or a manual transfer (manual charge). By receiving this sélection information, the provider server 20a performs a card activation Processing for permitting the use of the card 40a, and the card company server 30 similarly performs an 10 activation processing of the card 40a (step S15) .

Here, the validation process refers to a process of associating the managed account 30a with the card 40a. [0135]

After the above pre-processing, the 15 provider server 20a calculâtes the advanceable amount for the employée 4 when the attendance management data of the employée 4 is transmitted from the attendance management data server 11 in, for example, CSV (Gomma Separated Value) format (step S16), and a message 20 instructing the transfer of the electronic value information of the advance (advance charge) which is within the range of the calculated advanceable amount to the managed account 30a of the employée 4 is sent to the card company server 30 (step S17).

[0136]

Note that at the time when the provider server 20a has received the attendance management data from the attendance management data server 11, the provider server 20a calculâtes the advanceable 30 amount based on the fixed salary per unit time under the terms in the employment conditions of the employée 4 and the actual working hours based on the attendance management data of the employée 4. For example, if 8 hours work has been done with the 35 employment condition of 1000 yen per hour, and the possible advance rate is set to 70%, the salary is 80000 yen and the advanceable amount is 56000 yen.

When the card company server 30 receives a message instructing an advance charge from. the provider server 20a, a transfer process of the electronic value information is performed on the managed account 30a 5 of the employée 4, and an advance charge managed in association with the managed account 30a is performed on the card 40a possessed by the employée (step S18). [ 0137]

Note that the use of the advance charge advance amount is managed by the sélection information input when the employée 4 logged in to the provider server 20a as in step S14. That is, if the provider server 20a has received beforehand from the employée terminal 40 sélection information 15 instructing the transfer of electronic value information of the advance to be done automatically (automatic charge), the provider server 20a automatically transmits a message instructing the transfer of the electronic value information of the advance to the card company server 30 at the time when the advanceable amount is increased by a predetermined amount. On the other hand, if the provider server 20a has received beforehand from the employée terminal 40 sélection information 25 instructing a transfer of the electronic value information of the advance to be done manually (manual charge), the provider 20a transmits a message instructing the transfer of the electronic value information of the advance to the card company server 30 30 at the time when an instruction for transfer is issued from the employée terminal 40. [0138]

As shown in FIG. 26, in the provider server 20a, a communication unit 21, a processing unit 22, 35 and a storage unit 23 are commonly connected via a bidirectional input / output bus 24 in which a plurality of Unes for address, data, and control are configurée!. [0139]

The communication unit 21 is a communication LSI (Large Scale Intégration) that 5 carries a communication interface between the network 60 and the provider server 20a (processing unit 22), and for example, the file transfer linked by the API (Application Program Interface) is performed between the company server 10 connected to the network 60 and 10 the card company server 30 by TCP / IP (Transmission Control Protocol / Internet Protocol). [0140]

The processing unit 22 calculâtes the advanceable amount for the employée 4 based on the 15 attendance management data of the employée sent from the company server 10, and performs transfer processing to transfer to the card company server 30 the electronic value information of the advance to the managed account 30a for the employée 4 which is 20 within the range of the calculated advanceable amount, and this is done in coopération with the communication unit 21 and the storage unit 23. [0141]

In order for the processing unit 22 to 25 calculate the advanceable amount for the employée 4 based on the attendance management data of employée 4 sent from attendance management data server 11 and execute a function as a processing means for transmitting a message instructing the transfer of 30 electronic value information of the advance which is within the calculated advanceable amount range to the managed account 30a of the employée 4 to the card company server 30, an attendance management data acquisition unit 221, a calculation unit 222, an auto 35 charge data output unit 223, and a déduction data generating unit 224 are provided as program execution means.

[0142]

The attendance management data acquisition unit 221 acquires the attendance management data of a spécifie employée 4 from the attendance management 5 data server 11 via the communication unit 21 in CSV format, and delivers the attendance management data to the calculation unit 222. At the time when the calculation unit 222 has received the time date, the calculation unit 222 calculâtes the advanceable 10 amount based on the fixed salary per unit time under the terms in the employaient conditions of the employée 4 and the actual working hours based on the attendance management data of the employée 4 and delivers it to the auto charge data output unit 223. 15 The auto charge data output unit 223 transmits a message instructing the transfer of the electronic value information of the advance (advance charge) to the card company server 30 via the communication unit 21 . 20 [0143]

Note that if the calculation unit 222 has received sélection information beforehand instructing that the electronic value information of the advance be automatically transferred (automatic charge) from 25 the employée terminal 40, the calculation unit 222 also performs a processing to reset the electronic value information that has not been used as of the payroll date, furthermore, the déduction data generating unit 224 performs a calculation proceséing 30 for generating the amount used by the employée 4 out of the advanced charged amount as salary déduction data . [0144]

If the auto charge data output unit 223 has 35 received sélection information from the employée terminal 40 beforehand that automatic charging is to be done, the auto charge data output unit 223 automatically transmits a message instructing the transfer of the electronic value information of the advance to the card company server 30 at the time when the advanceable amount increases . On the other 5 hand, if the auto charge data output unit 223 has received sélection information beforehand that manual charging is to be done, the auto charge data output unit 223 transmits a message instructing transfer of electronic value information of an advance to the card 10 company server 30 at the time when an instruction for transfer is issued from the employée terminal 40. [0145]

The déduction data generating unit 224 generates, in CSV format, the amount used by the 15 employée from the transferred electronic value information of the advance as salary déduction data. The company server 10 periodically or irregularly acquires salary déduction data (CSV) generated by the déduction data generating unit 224 from the provider 20 server 20a, and requests to the bank server 50 performing a transfer processing of the salary amount minus the advance amount to the bank account 50a of the employée 4. [0146]

The storage unit 23 is mounted with, for example, a semiconductor storage element such as SRAM (Static Random Access Memory), DRAM (Dynamic Random Access Memory), flash RAM, or a large capacity storage element such as one with light or magnets, and in the 30 embodiment described above in addition to the programs, the employée data 231, payroll table 232, auto charge data 233, charge data 233, and attendance management data 234 are also assigned and stored in the work area.

[0147]

As shown in FIG. 27 (a), the employée data 231 has as data items at least a company ID which is uniquely assignée! to each company 1 that has entered into a contract for using this business model, and in addition, has as data items a uniquely assigned employée ID for each employée 4 who applied for use 5 of this business model beforehand, and a uniquely assigned card ID for each card 40a managed in association with a managed account 30a of an employée managed by the card company server 30.

[0148]

As shown in FIG. 27 (b) , the payroll table

232 is input and transferred by a company représentative based on the employment contract, and has at least company ID (identification), employée ID, hourly / daily salary / monthly salary, and salary amount as data items. Further, as shown in

FIG. 27(c), the charge data (auto charge data) 233 is generated by the processing unit 22 (auto charge data output unit 223 or déduction data generating unit 224), has at least card ID, advance charge automatic (auto)/ manual, and charge amount (remaining amount) as data items. Also, as shown in

FIG. 27 (d) , the attendance management data 234 is input and transferred by a company représentative, and has at least company ID, employée ID, and at 25 least one of work days, work hours and work month are included as data items. That is, there are also cases where company ID, employée ID, and working hours are included as data items.

[0149]

The employée data 231, the payroll table 232, the auto charge data 233, and the attendance management data 234 are ail created in CSV format for transfer, and are linked by the company ID and the employée ID.

[0150] (Operation of the Embodiments)

Hereinafter, the fund demand handling process of the provider server 20a shown in FIG. 26 and FIG. 27, and the financial demand response tabulation process will be described in detail with reference to the flowcharts shown in FIGS. 28 (a) and 5 28 (b).

[0151]

The financial demand handling process will be described. In FIG. 28 (a), in the provider server 20a, first, the processing unit 22 performs input and 10 import of a payroll table in CSV format generated by the company server 10 (step S101) . Next, when the attendance management data acquisition unit 221 fetches the attendance management data 234 from the attendance management data server 11 via the communication unit 21 in CSV format by file transfer (step S102 YES), the calculation unit 222 calculâtes the advanceable amount (step S103) .

Referencing the storage unit 23 at the time when attendance management data 234 is received from the 20 attendance management data server 11, the calculation of the advanceable amount is calculated based on the pay per unit time (hourly pay / daily pay) stored in the payroll table 232 and the working hours based on the attendance management data 234 of the employée 4, 25 and the calculated advanceable amount is delivered to the auto charge data output unit 223. [0152]

At this time, if auto charge data output unit 223 has received beforehand from the employée 30 terminal 40 sélection information instructing that the transfer of electronic value information of the advance is to be done automatically (automatic charge) (step S104 automatic), the auto charge data output unit 223 generates the auto charge data 35 233 at the time when the advanceable amount has increased (step S105 YES), and while being stored in a predetermined area (auto charge data 233) of the storage unit 23, transmits a message instructing the transfer of the electronic value information of the advance (advance charge) to the card company server 30 via the communication unit 21 (step S107). When 5 the card company server 30 receives the message of the advance charge, the card company server 30 performs the transfer processing of the electronic value information to the managed account 30a of the employée 4 managed by the card company.

[0153]

On the other hand, if the auto charge data output unit 223 has received beforehand from the employée terminal 40 sélection information instructing that the transfer of the electronic value 15 information of an advance is to be done manually (manual charge) (step S104 manual) , at the time when there is a transfer instruction from the employée terminal 40 (step S106 YES), a message instructing transfer of the electronic value information of the 20 advance is transmitted to the card company server 30 via the communication unit 21 (step S107) . Also in this case, when the card company server 30 receives the message of advance charge, the card company server 30 performs the transfer processing of the electronic 25 value information to the managed account 30a of the employée 4 managed by the card company. [0154]

Next, the money demand response tabulation process will be described. In FIG. 28 (b), when the 30 salary closing date is reached (step S201 YES), then the provider server 20a (calculation unit 222) performs the calculation of a fee collection process and a process of resetting the transferred electronic value information of the advance, which has not been 35 used as of the payroll closing date (step S202) . Subsequently, the déduction data generating unit 224 generates the amount used by the employée 4 as

obtained from the calculation unit 222 as salary déduction data (step S203) . Then, the company server 10 acquires the déduction data from the provider server 20a (déduction data generating unit 224) at 5 the end of the month and requests the bank server 50 to execute a transfer processing of a salary amount minus the advance used to the bank account 50a of the employée 4.

[0155]

FIG. 29 shows a screen transition diagram of the employée terminal 40, and FIG. 30 shows an example of the screen configuration of the home screen and the switch charge method screen.

As shown in FIG. 29, on the LCD (Liquid 15 Crystal Display) monitor of the employée terminal 40, a login screen, a home screen, or a logout screen is displayed. From FIG. 30 (a) which shows an example of the configuration of a home screen transitions to the charge method switching screen, and example of 20 which is in FIG. 30(b), the remittance screen to the principal account (bank account 50a), the remittance request screen to an account other than the person (bank account 50a), or the card usage statement screen are possible.

[0156]

As shown in FIG. 30(a), on the home screen, in addition to the card balance, buttons for charging a card, bank remittance, usage details, and account management are allocated, and when the employée 4 30 selects (taps) one of these buttons services corresponding to charging the card 40a, remittance to a bank, browsing usage details, or account management are executed. These services (applications) executed by choosing any button will be described later.

[0157]

Also, as shown in FIG. 30(b), on the charge method switching screen, check buttons for switching between automatic and manual are assigned. After the employée 4 opérâtes the employée terminais 40 to activate it and presses the proceed button at the first login, switching between automatic charge for 5 automatically sending a message instructing the transfer of the electronic value information of the advance at the time when the advanceable amount increases, and manual charge for transmitting a message instructing transfer of the advance 10 electronic value information at the time when the employée 4 provides instructions becomes possible. Here, if one of them is being selected, the charging method switching completion screen is displayed (see FIG. 29).

[0158]

In FIG. 29, when manual charge screen is selected, the advanceable amount is displayed on the LCD monitor of the employée terminal 40, and when the employée enters the amount to be charged, the screen 20 transitions to the manual charge confirmation screen. Then, under the confirmation of the employée 4 (a tap of the OK button, not shown) , the manual charge completion screen is displayed. In addition, if remittance to personal account screen is 25 selected, then the employée 4 is required to input the name of the bank and the branch, the account number, and the remittance amount by means of the employée terminal 40. If these required items are entered, the screen will transition to the 30 remittance to personal account confirmation screen, and then transit to the remittance to personal account completion screen after confirmation by the employée 4. Note that in case the account information has been input beforehand at the time of employée 35 registration, if the account is selected, the screen will transition to the remittance to personal account confirmation screen, and then to the remittance to personal account completion screen after confirmation by the employée 4.

[0159]

Note that even when remittance to account 5 other than the person screen is selected, the employée 4 similarly is required to input the name of the bank and the branch, the account number, and the remittance amount by means of the employée terminal 40. After entering these required items, the screen 10 will transition to remittance to account other than the person confirmation screen, and then transition to remittance to account other than the person completion screen under confirmation of the employée 4. These screen transitions are realized by the GUI 15 (Graphical User Interface) of the employée terminal 40 which is under the control of the provider server 20a (processing unit 22). [0160]

FIG. 31 shows an example of services 20 (application) available to the employée 4.

As shown in FIG. 31, according to the financial demand response provision service system 100 according to the présent embodiment, with the managed account 30a of the employée managed by the 25 card company 3, that advanceable amount can be charged to the card 40a, and transferring money from the card 40a to a bank account in the name of the person, to a bank account in the name of another person, or the like is possible. In addition, cash payments and 30 withdrawals at an ATM as well as shopping with the card 40a are also possible, and if the card 40a has a crédit card number provided, online shopping can also be done. Note that the card 40a is not limited to a prepaid card, and can be replaced by a crédit 35 card, electronic money as a form of conveyance, or the like. [0161]

(Effect of the Embodiment)

According to the financial demand response provision service System 100 according to the présent embodiment, payment can be made from the advanceable 5 amount by a card 40a such as a prepaid card, crédit card, electronic money, etc. which is linked to the managed account 30a of the employée 4 managed by the card company 3, and in executing this business model, the employée 4 who is the worker can use it in real 10 time without relying only on a bank transfer. In addition, the card 40a is not essential, and the employée 4 is able to realize the same thing only with a card number. [0162]

Note that the advanceable amount is determined by the amount of pay and the actual working hours defined in the employment conditions, and the daily work hours are automatically delivered in CSV format from the attendance management data server 11 20 of the company 1 to which the employée 4 belongs, so that the burden on the company représentative is greatly reduced. Also note that attendance management data such as daily working hours may be manually uploaded.

[0163]

Further, according to the financial demand response provision service System 100 according to the présent embodiment, if automatic charge for the advanceable amount (automatically transfers 30 electronic value information) is enabled, the card 40a can be charged automatically when the actual working hours increases . Also, if automatic charging is enabled, charges that were not used as of the pay close date will be reset, and the amount deducted from 35 the amount used is paid to the employée as salary. For this reason, the management load on an accounting person in the company 1 and on the employée 4 who is the user can be greatly reduced. In addition, if the automatic charge is disabled (manually transfers the electronic value information of the advance), the card 40a can be manually charged by the input from 5 the employée 4 within the range of the advanceable amount, and In this case, manual charging can be performed at the discrétion of the employée 4 allowing for flexibility which increases usability. [0164] (Financial Demand Response Provision Service Loan Method)

The financial demand response provision service method according to the présent embodiment is a financial demand response provision service method 15 for providing a financial demand response provision service for an employée 4 belonging to a company 1 using a card company server 30 payment network. Then, for example, as shown in FIG. 25, the attendance management data server 11 connected via the network 20 60 transmits the attendance management data of the employée 4 to the provider server 20a (SU) ; the provider server 20a calculâtes an advanceable amount for the employée 4 based on the attendance management data, and sends to the card company server 30 a 25 message instructing transfer of the electronic value information of the advance within the calculated range of advanceable amount to the managed account 30a of the employée 4 managed by the card company 3(S16, S17); and when the card company server 30 receives the message from the provider server 20a, a process of transferring the electronic value information to the managed account 30a of the employée is executed (S18). [0165]

According to the financial demand response provision service method according to the présent embodiment, a business model can be realized by the provider server 20a calculating the advanceable amount for the employée 4 based on the attendance management data and sending a message instructing transfer of the electronic value information of an advance to the managed account 30a of the employée 4 managed by the card company 3 which is within the range of the advanceable amount calculated for the card company server 30, and the card company server 30 executing a transfer processing of the electronic .0 value information to the managed account 30a so that the employée 4 can use an advance in real time without relying only on a bank transfer.

[0166] (Provider Server)

Also, as shown in FIG. 24, for example, the provider server 20a according to the présent embodiment is a provider server connected via a network' to an attendance management data server 11 for managing the time of an employée 4 belonging to a company 1, and a card company server 30, which manages a managed account 30a of the employée 4 and provide an advance for the employée 4 to provide a financial demand response provision service for using the advance. Then, for example as shown in Fig 26, the provider server 20a has a processing means (processing unit 22) for transmitting to the card company server 30 a message instructing transfer of electronic value information of the advance to the management account 30a of the employée 4 within the range of the calculated advanceable amount based on the attendance management data of employée 4, calculate the possible loan amount for employée 4.

[0167]

According to the provider server 20a of the embodiments, a provider server 20a can be provided in which a processing unit 22 calculâtes the advanceable amount for the employée 4 based on the attendance

management data of the employée 4 and instructs the card company server 30 to transfer the electronic value information of the advance which is within the calculated range of advanceable amount to the managed 5 account 30a of the employée 4, so that the employée 4 is able to use the advance in real time without relying only on a bank transfer.

[0168]

Also, a program according to the présent embodiment is, for example, as shown in FIG.24 a program of the provider server 20a connected via the network 60 to an attendance management data server 11 for managing the time of an employée 4 belonging to a company 1 and to a card company server 30, which 15 manages a managed account 30a of the employée 4 and the advance to the employée 4 so as to provide a financial demand response provision service for using the advance. Then, the program is characterized in that, for example, as shown in the flowchart of FIG.28 (a), the program performs a procedure which calculâtes the advanceable amount for employée 4 based on the attendance management data of employée 4 sent from attendance management data server 11 to the computer (provider server 20a) (S103),and a procedure which sends a message to the card company server 30 instructing the transfer of the electronic value information of the advance that is within the calculated range of advanceable amount to the managed account 30a of the employée 4 (S104 to S107).

[0169]

According to the program of the présent embodiment, by sequentially reading out and executing the program according to the présent embodiment which is stored in the program area of the storage unit 23 35 by the provider server 20a, an employée 4 can use an advance in real time without relying on only a bank transfer.

[0170]

Although the présent invention has been described above using the embodiments, it goes without saying that the technical scope of the présent 5 invention is not limited to the scope described in the above embodiments. Varions changes or modifications that are apparent to those skilled in the art can be added to the' above embodiments . In addition, it is also apparent from the scope of the 10 daims that embodiments which add such changes or improvements can also be included in the technical scope of the présent invention. [0171]

The invention described in the following 15 attached daims were initially attached to the request for the prior-priority application. The item numbers of the daims described in the appendices are as in the daims attached first to the request for the application prior to the right 20 of priority.

Claim 1

A financial demand response provision service system for providing financial demand 25 response services to employées belonging to a compri s ing:

a company server for managing a crédit limit and actual advance amount for employées, an attendance management data server for 30 managing attendance management data of the employées, a provider server for managing managed accounts of the employées, and wherein the servers are connected via a network, and wherein the provider server comprises:

an advanceable amount calculation unit which calculâtes an advanceable amount for an

employée based on the maximum crédit limit as managed by the company server and attendance management data as managed by the attendance management data server, a transfer processing means which transfers to the managed account electronic value information based on the advance amount loaned to the employée within the range of the advanceable amount calculated from the electronic information of the managed account, and an outputting means which outputs, to the company server, the advance amount loaned to the employée, wherein the company server calculâtes the maximum crédit limit.

Claim 2

The financial demand response provision service System according to Claim 1, wherein the company server reflects the actual advance amount of 20 the amount advanced by the provider server, and calculâtes the maximum crédit limit based on the actual advance amount.

Claim 3

The financial demand response provision service System according to Claim 1 or 2, wherein the provider server further includes a company crédit management unit which manages crédit information of a company with regards to the company crédit, and calculâtes a total advanceable amount based on the crédit information of the company.

Claim 4

The financial demand response provision service System according to any one of Claims 1-3, wherein the provider server further includes a usage fee calculation unit which calculâtes a usage fee of

the financial demand response service based on the electronic value information of the advance transferred by the auto charge data output unit, and a billing unit for billing a company or an employée for use of the financial demand response service.

Claim 5

The financial demand response provision service System according to any one of Claim 1-4, 10 wherein a bank server that manages a bank account to which the salary of a employée is transferred from the company and an employée terminal are further connected via the network, wherein the provider server manages the managed 15 accounts and advance amounts from the company loaned to the employée, wherein the employée terminal transmits beforehand sélection information instructing automatic or manual transfer of the electronic value 20 information of the advance amount, and if the sélection information indicates automatic performance, then the employée terminal transmits increase information indicating that the increase of the transfer process is fixed at a predetermined fixed 25 amount or is performed at a predetermined fluctuating rate, wherein the provider sever further comprises: an attendance management data acquisition unit which receives attendance management data of one 30 or more employées and is managed by the attendance management data server, a calculation unit which calculâtes an advanceable amount for an employée based on attendance management data received, and manages 35 electronic value information based on the calculated advanceable amount via the managed account of the employée, and

an auto charge data output unit in which if the sélection information has been selected to be performed automatically, then when the advanceable amount increases, the auto charge data output unit 5 transfers to the bank account electronic value information corresponding to the predetermined increase in the advanceable amount from the management account of the employée from the electronic value information of the advanceable 10 amount managed in the management account of the employée, wherein for the auto charge data output unit, if the increase information has been instructed to be automatically transfer a fixed amount, and if the 15 predetermined fixed amount is lower than the increase of the advanceable amount, then the predetermined increase of the advanceable amount is set as the fixed amount, but if the increase is lower than the fixed amount, then only the increase is taken.

0

Claim 6

The financial demand response provision service System according to Claim 5, wherein for the auto charge data output unit, if the increase 25 information indicates that fluctuation should occur, the predetermined increase is determined by multiplying the increase by the fluctuating rate.

Claim 7

The financial demand response provision service System according to Claim 5 or 6, wherein the calculation unit calculâtes the advanceable amount to the employée when the attendance management data acquisition unit receives 35 attendance management data.

Claim 8

The financial demand response provision service System according to any one of Claims 5 to 7, wherein the employée terminal sends transfer instruction information indicating the transfer of a 5 predetermined amount, and for the auto charge data outputting unit, if the section information indicates that transfer is to be done manually, when transfer instruction information is received, the auto charge data output unit transfers to the management account 10 of the employée electronic value information corresponding to a predetermined amount of the transfer instruction information from the electronic value information of the advanceable amount to the employée. Claim 9

The financial demand response provision service System according to any one of Claims 5 to 8, wherein a company server which manages the 20 company payroll closing date, an individual's closing date as determined by the company, or a common closing date for ail companies is further connected via the network, the provider server which further includes a 25 déduction data generating unit in which at the time of the closing date resets the electronic value information of the advance that was not transferred by the auto charge data output unit from the electronic value information of the advanceable 30 corresponding to the employée's account and the amount corresponding to the electronic value information which was transferred by the auto charge data output unit is taken as salary déduction data, and wherein the company server periodically or irregularly acquires the payroll déduction data from the déduction data génération unit for the bank server,

and requests transfer of the salary minus the advance amount corresponding to the salary déduction data.

Claim 10

The financial demand response provision service system according to any one of Claims 5 to 9, wherein if the total electronic value information subjected to the transfer processing within a predetermined period exceeds the electronic value information corresponding to a predetermined maximum crédit limit, the auto charge data output unit cancels the transfer process.

Claim 11 15 The financial demand response provision service system according to any one of Claims 5 to 10, wherein every time the auto charge data output unit exceeds the transfer processing the provider 20 server further sets the subject to be transferred by the transfer processing as the electronic value information minus the transfer processing fee from the corresponding electronic value information, instead of the corresponding electronic value 25 information.

Claim 12

The financial demand response provision service system according to any one of Claims 1 to 4, 30 wherein the provider server includes a card company server, wherein a transfer processing means includes a first transfer processing means which sends a message to be transferred to the managed account for the card 35 company server, and when the messages is received from the first transfer processing means, a second transfer processing means transfers the electronic

value information to the managed account of the employée, wherein the provider server includes the first transfer processing means, wherein the card company server includes the second transfer processing means and manages the advance amount to the employée, which is loaned by the company, as well as the managed account.

Claim 13

The financial demand response provision service System according to Claim 12, wherein the first transfer processing means transmits a message instructing transfer of the 15 electronic value information of the advance amount to the card company server when the attendance management data is received.

Claim 14

The financial demand response provision service System according to Claim 12 or 13, wherein an employée terminal is further connected via a network, wherein the employée terminal outputs sélection 25 information instructing automatic transfer of the electronic value information of the advance based on the employee's input, and wherein if the first transfer processing means indicates beforehand that the sélection information 30 received from the employée terminal is to be automatically performed, then when the advanceable amount increases, the provider server automatically transmits a message instructing transfer of the electronic value information of the advance amount to 35 the card company server.

Claim 15

The financial demand response provision service System according to Claim 12 or 13, wherein an employée terminal is further connected via a network, wherein the employée terminal outputs sélection information instructing manual transfer of the electronic value information of the advance based on the employee's input, and wherein if the first transfer processing means indicates beforehand that the sélection information received from the employée terminal is to be manually performed, then when the advanceable amount increases, the provider server transmits a message instructing transfer of the electronic value information of the advance amount to the card company server.

Claim 16

The financial demand response provision service System according to Claim 14, wherein a bank server and a company server are further connected via a network, wherein in the provider server, the first transfer processing means resets the amount which was not used by at least one of the company payroll closing date, an individual's closing date as determined by the company, and a common closing date for ail companies from the transferred electronic value information of the advance and generates the amount used as data for the salary déduction data, wherein the company server periodically or irregularly acquires the salary déduction data from the first transfer processing means, and requests the bank server to transfer the salary amount minus the advance amount to the bank account of the employée.

The financial demand response provision

Claim 17 service System according to Claim 15, wherein a bank server and a company server are further connected via a network, wherein in the provider server, the first transfer processing means generates the advance amount used from the electronic value information of the transferred advance as salary déduction data, wherein the company server periodically or irregularly acquires the salary déduction data from the first transfer processing means, and requests the bank server to transfer the salary amount minus the advance amount to the bank account of the employée.

Claim 18

The financial demand response provision service System according to any one of Claims 5 to 17 , wherein the provider server includes an advance raising unit for raising advances through 20 crowdfunding which includes the ability to transmit information on the financial demand response service and information on the provision of advances to an unspecified number of people via a network.

Claim 19

A provider server for a financial demand response provision service System for providing financial demand response services to employées belonging to a company having a company server for 30 managing a crédit limit and actual advance amount for employées, and an attendance management data server for managing attendance management data of the employées wherein the servers are connected via a network, the provider server comprising:

an advanceable amount calculation unit which calculâtes an advanceable amount for an employée based on the maximum crédit limit as managed

by the company server and attendance management data as managed by the attendance management data server, a transfer processing means which transfers to the managed account electronic value information based on the advance amount loaned to the employée within the range of the advanceable amount calculated from the electronic information of the managed account, and an outputting means which outputs, to the company server, the advance amount loaned to the employée, wherein the company server calculâtes the maximum crédit limit.

Claim 20

A method for providing a financial demand response provision service which provides financial demand response services to employées belonging to a company having a company server for managing a crédit 20 limit and actual advance amount for employées, and an attendance management data server for managing attendance management data of the employées wherein the servers are connected via a network, the method compris ing:

the provider server conducting the steps of:

calculating an advanceable amount for an employée based on the maximum crédit limit as managed by the company server and the attendance management data managed by the attendance management data server, 30 transferring to the managed account electronic value information based on the advance amount loaned to the employée within the range of the advanceable amount calculated from the electronic information of the managed account, and outputting to the company server, the advance amount loaned to the employée, wherein the company server reflects the actual

advance amount of the amount advanced by the provider server, and calculâtes the maximum crédit limit based on the actual advance amount.

Claim 21

A provider server program for providing a financial demand response provision service which provides financial demand response services to employées belonging to a company and managing 10 management accounts of electronic value information of one or more employées having a company server that manages the crédit limit for each employée, an attendance management data server for managing attendance management data of an employée, wherein 15 the servers are connected via a network, the program comprising:

having a computer conduct the steps of: calculating an advanceable amount for an employée based on the maximum crédit limit as managed 20 by the company server and the attendance management data managed by the attendance management data server, transferring to the managed account electronic value information based on the advance amount loaned to the employée within the range of the 25 advanceable amount calculated from the electronic information of the managed account, and outputting to the company server, the advance amount loaned to the employée.

(Description of the References)

[0172]

Company

Service Provider

Employée(s)

Bank

Company Server

Attendance management data server

20a

30a 30b 40

0a 50b

100

221

222 223

224

231

232

233

234

235

236

Provider Server Provider Server Communication Unit Processing Unit Storage Unit Input-Output Bus Managed Account(s) Advance (Advanced Funds) Employée Terminal Bank Server Bank Account(S) Advance (Advanced Funds) Network

Financial Demand Response Provision Service System

Attendance management (Time) Data Acquisition Unit Calculation Unit

Auto Charge Data Output Unit Déduction Data Generating Unit Employée Data Payroll Table Auto Charge Data Attendance management data Company Table Transfer Data

Claims (10)

1. A financial demand response provision service System for providing financial demand 5 response services to employées belonging to a company comprising:

a company server for managing a crédit limit for each employée, an attendance management data server for 10 managing attendance management data of the employées, a provider server for managing managed accounts of the employées, and a bank server for managing a bank account to which the salary of an employée is transferred from 15 the company, wherein the servers are connected via a network, and wherein the provider server comprises:

a calculation unit which calculâtes an 20 advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance (borrowed from an advanced funds) managed by a provider temporarily providing on behalf of the 25 company based on the advanceable amount, an auto charge data output unit which performs a transfer processing of transferring electronic value information of the advance of a managed account to a bank account, and

30 an output means which outputs to the company server, the advance amount loaned or lent to the employée by transferring the electronic value information of the advance from a managed account to a bank account,

35 wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

2. The financial demand response provision service System according to Claim 1, wherein if a 5 total advanceable amount to the employées within a predetermined period of the same company exceeds the company's total advanceable amount range, the auto charge data output unit cancels the transfer Processing of electronic value information of 10 advances to bank accounts from managed accounts of employées at the company in which the total advanceable amount for the employées exceeds the company's total advanceable amount range.

15

3. The financial demand response provision service System according to Claim 1, wherein the advanceable amount range for the company is set based on the company crédit information with regards to a crédit of the company, and the provider 20 server includes a company crédit manager unit that manages the company crédit information.

4 /'

103 a provider temporarily providing on behalf of the company based on the advanceable amount, transferring the electronic value information of the advance of the managed accounts to 5 the bank account, and outputting to the company server the advance amount loaned or lent to the employée by transferring the electronic value information of the advance from the managed account to the bank account,

4 . The financial demand response provision service System according to Claim 1, 25 wherein the provider server includes a usage fee calculation unit that calculâtes the usage fee of the financial demand response service based on the electronic value information of the advance transferred by the auto charge data output unit, and 30 a billing unit for billing the company or the employée for use of the financial demand response service.

5 a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily 10 providing on behalf of the company based on the advanceable amount, an auto charge data output unit which charges to the employee's electronic money electronic value information of the advance in the managed 15 account, and an output means which outputs to the company server, the advance amount loaned or lent to the employée by charging to a bank account the electronic value information of the advance from a managed 20 account, wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

18. A provider server for a financial demand response provision service system for providing financial demand response services to employées belonging to a company having a company server for 30 managing the crédit limit for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and a Virtual currency server for managing 35 Virtual currency accounts of the employées wherein the servers are connected via a network, the provider server comprising:

102 a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of 5 an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which performs a transfer processing of transferring 10 electronic value information of the advance of a managed account to a Virtual currency account, and an output means which outputs to the company server, the advance amount loaned or lent to the employée by transferring the electronic value 15 information of the advance from a managed account to a Virtual currency account, wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the 20 company as set by the provider.

19. A method for providing a financial demand response provision service which provides financial demand response services to employées belonging to a company having a company server that 25 manages the crédit limit for each employée, an attendance management data server for managing attendance management data of the employée, a provider server that manages managed accounts of the employée, and a bank server that manages a bank 30 account to which the salary of the employée is transferred from the company, wherein the servers are connected via a network, the method comprising:

the provider server conducting the steps of: calculating an advanceable amount for an 35 employée based on a crédit limit amount and attendance management data and transferring and managing electronic value information of an advance managed by

5 attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and a bank server for managing a bank account to which the salary of the employée is

10 transferred from the company wherein the servers are connected via a network, the provider server compri s ing:

a calculation unit which calculâtes an advanceable amount for an employée based on a crédit

15 limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount,

20 an auto charge data output unit which performs a transfer processing of transferring electronic value information of the advance of a managed account to a bank account, and an output means which outputs to the company

25 server, the advance amount loaned or lent to the employée by transferring the electronic value information of the advance from a managed account to a bank account, wherein the total advanceable amount to the

30 employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

16. A provider server for a financial demand

35 response provision service system for providing financial demand response services to employées belonging to a company having a company server for

100 managing the crédit lirait for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the 5 employées, and a bank server for managing a bank account for the card payment of the employée wherein the servers are connected via a network, the provider server comprising:

a calculation unit which calculâtes an 10 advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the 15 advanceable amount, an auto charge data output unit which performs the transfer processing of transferring electronic value information of the advance of the managed account to the bank account, and

20 an output means which outputs to the company server, the advance amount loaned or lent to the employée by transferring the electronic value information of the advance from a managed account to a bank account,

25 wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

30

17 . A provider server for a financial demand response provision service System for providing financial demand response services to employées belonging to a company having a company server for managing the crédit limit for each employée, an 35 attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the

101 employées, and an electronic money server for managing electronic money of the employée wherein the servers are connected via a network, the provider server comprising:

5 electronic value information of the advance remaining in the managed account as of the company's payroll closing date, an individual's closing date as determined by the company, or a common closing date for ail companies, and has a déduction data génération 10 unit which generates an amount corresponding to the electronic value information of the advance transferred to the bank account by the auto charge data output unit as salary déduction data, and wherein the company server periodically or 15 irregularly acquires the salary déduction data from the déduction data génération unit for the bank server, and from the salary calculated based on the employée's managed attendance management data, requests execution of transfer processing of the transfer 20 amount minus the advance amount corresponding to the salary déduction data.

10. The financial demand response provision service System according to Claim 1, wherein when 25 performing the transfer processing for transferring the electronic value information of the advance of the managed account to the bank account, the auto charge data output unit transfers to the bank account the electronic value information minus a transfer 30 processing fee.

11. A financial demand response provision service System for providing financial demand response services to employées belonging to a company comprising:

35 a company server for managing the crédit limit for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and a bank server for managing a bank account for 5 employée card payments, wherein the servers are connected via a network, and wherein the provider server comprises: a calculation unit which calculâtes an

10 advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the

15 advanceable amount, an auto charge data output unit which performs the transfer processing of transferring electronic value information of the advance of the managed account to the bank account, and

20 an output means which outputs to the company server, the advance amount loaned or lent to the employée by transferring the electronic value information of the advance from a managed account to a bank account,

25 wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

30

12 . A financial demand response provision service system for providing financial demand response services to employées belonging to a company comprising:

a company server for managing the crédit limit 35 for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and an electronic money server for managing electronic money of the employée;

wherein the servers are connected via a network, and wherein the provider server comprises :

a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which charges to the employée's electronic money electronic value information of the advance in the managed account, and an output means which outputs to the company server, the advance amount loaned or lent to the employée by charging to a bank account the electronic value information of the advance from a managed account, wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.

13. A financial demand response provision service System for providing financial demand response services to employées belonging to a company comprising:

a company server for managing the crédit limit for each employée, an attendance management data server for managing attendance management data of the employées, a provider server that manages managed accounts of the employées, and a virtual currency server for managing Virtual currency accounts of the employées;

wherein the servers are connected via a network, 5 and wherein the provider server comprises:

a calculation unit which calculâtes an advanceable amount for an employée based on a crédit limit amount and attendance management data and 10 transfers and manages electronic value information of an advance managed by a provider temporarily providing on behalf of the company based on the advanceable amount, an auto charge data output unit which 15 performs a transfer processing of transferring electronic value information of the advance of a managed account to a virtual currency account, and an output means which outputs to the company server, the advance amount loaned or lent to the 20 employée by transferring the electronic value information of the advance from a managed account to a virtual currency account, wherein the total advanceable amount to the employées of a same company does not exceed the 25 company's total advanceable amount range for the company as set by the provider.

14. The financial demand response provision service System according to any one of Claims 1, 11, 30 12, or 13, wherein the provider server includes an advance raising unit for raising advances through crowdfunding which includes the ability to transmit information on the financial demand response service and information on the provision of advances to an 35 unspecified number of people via a network.

15 .

A provider server for a financial demand response provision service system for providing financial demand response services to employées belonging to a company having a company server for managing the crédit limit for each employée, an

5 receives attendance management data, wherein when the attendance management data acquisition unit receives new attendance management data, the calculation unit calculâtes a new advanceable amount for an employée, transfers

10 electronic value information of the advance managed by a provider temporarily providing on behalf of the company based on the new advanceable amount, and increases the electronic value information of the advance managed by the managed account, and

15 wherein if the sélection information transmitted beforehand from the employée terminal instructs performance to be done automatically, when the electronic value information of the advance increases, the auto charge data output unit increases the

20 electronic value information of the advance from the managed account to the bank account within the increased range of the electronic value information of the advance.

25

5. The financial demand response provision service System according to Claim 1,

35 wherein an employée terminal connected via a network and operated by an employée transmits sélection information for automatically or manually transferring the electronic value information of the advance from the managed account to the bank account, wherein the provider server includes an attendance management data acquisition unit which

6. The financial demand response provision service System according to Claim 5, wherein if the employée terminal transmits transmission information for automatically transferring the electronic value information of the 30 advance from the managed account to the bank account, information as to whether to transfer a fixed amount or a fluctuating amount that fluctuâtes at a fluctuating rate set by the employée beforehand is also transferred to the bank account,

35 wherein in the case where the information indicates that a fixed amount is to be made, if the fixed amount is lower than the increase in the electronic value information of the advance, the auto charge data output unit transfers the electronic value information of the advance corresponding to only the fixed amount to the bank account, but if the 5 increased electronic value information of the advance is lower than the fixed amount, the auto charge data output unit transfers only the increased amount of the electronic value information of the advance to the bank account, and

10 in the case where the information indicates that the transfer is to be done by a fluctuating amount that fluctuâtes at a fluctuating rate, the auto charge data output unit transfers to the bank account the electronic value information of the advance in the

15 amount obtained by multiplying the increased electronic value information of the advance by the fluctuating rate.

7. The financial demand response provision 20 service System according to Claim 5, wherein the calculation unit calculâtes a new advanceable amount to the employée when the attendance management data acquisition unit receives attendance management data.

25

8. The financial demand response provision service System according to Claim 5, wherein if the sélection information transmitted beforehand from the employée terminal has been selected to be performed manually, when transfer instruction information from 30 the employée terminal is received for transferring a predetermined amount to the bank account, the auto charge data output unit transfers to the bank account electronic value information of the advance corresponding to the predetermined amount in the 35 transfer instruction information based on electronic value information of the advance of the management account.

9. The financial demand response provision service System according to Claim 1, wherein the provider server resets the

10 wherein the total advanceable amount to the employées of a same company does not exceed the company's total advanceable amount range for the company as set by the provider.