WO2004057509A1 - Systeme et procede de paiement en numeraire - Google Patents

Systeme et procede de paiement en numeraire Download PDF

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Publication number
WO2004057509A1
WO2004057509A1 PCT/JP2003/016222 JP0316222W WO2004057509A1 WO 2004057509 A1 WO2004057509 A1 WO 2004057509A1 JP 0316222 W JP0316222 W JP 0316222W WO 2004057509 A1 WO2004057509 A1 WO 2004057509A1
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WO
WIPO (PCT)
Prior art keywords
data
worker
salary
advance
amount
Prior art date
Application number
PCT/JP2003/016222
Other languages
English (en)
Japanese (ja)
Inventor
Riichi Kowase
Koji Nishimura
Masato Kuroda
Kazuhiro Isogai
Taketoshi Doi
Tatsuo Aiki
Hiroyasu Ota
Hajime Kotsugai
Original Assignee
The Tokyo Tomin Bank,Ltd.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by The Tokyo Tomin Bank,Ltd. filed Critical The Tokyo Tomin Bank,Ltd.
Publication of WO2004057509A1 publication Critical patent/WO2004057509A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the present invention relates to money payment systems and methods, and in particular, to money payment techniques using computer systems of banks. Background art
  • employees of a company receive salaries by bank transfer on specific paydays.
  • the company calculates the employee's salary from the employee's basic salary and working hours, etc., and requests the bank to pay the salary prior to the payday.
  • Requests for salary transfer may be made online using the Internet.
  • pay is transferred to an employee's account on a pay day designated by the company based on a transfer request from a company or request data via the Internet.
  • part-time workers have also increased in companies, and these part-time jobs and parts are similar to regular employees who wish to receive a monthly salary.
  • weekly or daily payment is desired. If the company pays wages to a part-time job or part by day payment, it is necessary to calculate the wage every day and make a bank transfer request, so the monthly payment for part-time workers or parts is also completed. In most cases, salaries were paid, and wages were not paid in the manner desired by the alpite or part.
  • FIG 17 shows a conceptual diagram of a conventional wage payment system.
  • Temporary workers such as alpaparts provide labor based on employment contracts with employers.
  • Employer 12 calculates wages based on the hourly wage specified by the employment contract and the actual working days or working hours of temporary workers 10 and pays the banking system 14 before the specified date of payment of wages.
  • Make a transfer request If it is closed on a monthly basis, the temporary workers' wages are totaled on a monthly basis and a transfer request is made.
  • bank system 14 this transfer request Withdraw wages from the employer's account based on this and transfer wages to the temporary worker's 10 account.
  • Fig. 18 schematically shows the wage payment process in the banking system 14 in Fig. 17.
  • the computer system 14 a debits the wage equivalent from the employer's account 14 b and the temporary worker 10 0 Transfer to account 1 4 c 1.
  • the computer system 14a requests the other bank's computer system 17 to perform the transfer process and the other bank's computer system 17 Transfers wages to temporary worker 10's account 14c2.
  • the transfer of wages is carried out by the transfer process of debiting from an employee account and transferring to a temporary worker account. If a transfer request from the employer is entered on a monthly basis, these processes are also performed on a monthly basis.
  • the employer does not pay wages on a monthly basis in this way, but rather manages the working days and working hours of the Alpaito part by using a time card, the data from the time card and the hourly wage data of the alpaite or part. It is also conceivable to calculate the daily allowance automatically and send the daily allowance data automatically to the bank's computer system every day, and pay the wages on a daily basis as desired by the alpite or part (see the following literature) .
  • the above problems can occur not only between employers and workers, but also between companies. That is, for example, if a company provides goods or services to another company for a fee, a monetary receivables and debts relationship is formed between the two companies, and the monetary creditor's company is paid by the monetary debtor's company on a monthly or monthly basis. In addition to receiving receivables, You may want to collect your receivables on any day. Disclosure of the invention
  • the present invention relates to a system and a method capable of paying a worker or a monetary creditor in an aspect desired by the worker or the monetary creditor, in particular, on a date or a period desired by the worker or the monetary creditor. I will provide a.
  • the present invention relates to a money payment system in a banking system for an employer to provide funds to a worker, wherein the worker provides the worker with labor after the worker provides the worker with the worker.
  • a processing device of a bank computer system which manages labor data of the worker input from the interface, and manages salary data of the worker calculated sequentially based on the labor data.
  • the salary of the labor is generated and accumulated daily.
  • an arbitrary amount of money within the range of the generated worker salary that is, the amount desired by the worker is transferred to the employee's account as an employer's internal loan, for example.
  • the employer it is an advance loan to the worker within the range of salary, and for the worker, it is an advance loan, but in effect, they will receive the desired amount of salary on their desired date.
  • the processing device includes: The remaining salary data other than the money data is calculated, and a salary transfer process is executed on the worker's account on the salary payment date.
  • the present invention is also a method of paying money using a bank computer system for an employee to provide funds to a worker
  • the input device provided in the bank computer system comprises: Entering data on any funding date prior to payroll after the employee has provided work to the employer; a step of entering any amount of funding data from the worker;
  • the processing device for executing the account debit processing and the account transfer processing of the bank computer system comprises: a labor data management file managing the labor data of the worker; A salary data management file that manages the salary data of the worker calculated based on labor data; Accessing each file of a storage device that stores a money-lending management file that manages money data, and comparing the cash data of an arbitrary amount provided by the worker with the salary data of the worker.
  • a fund transfer process is executed on the worker's account on the fund issuance date.
  • the method includes the steps of: providing the worker with funds on the arbitrary fund delivery date; and executing a withdrawal process of an amount corresponding to the funds on an account of an employer of the worker.
  • FIG. 1 is a conceptual configuration diagram of the embodiment.
  • FIG. 2 is a block diagram of the configuration of the bank system in FIG.
  • Figure 3 is an illustration of the labor data management file.
  • FIG. 4 is an explanatory diagram of the advance loan management file.
  • FIG. 5 is an explanatory diagram of a salary data management file.
  • Figure 6 is an explanatory diagram (part 1) showing the relationship between salary and advance loan.
  • Figure 7 is an explanatory diagram (part 2) showing the relationship between salary and advance loan.
  • Figure 8 is an explanatory diagram (part 3) showing the relationship between salary and advance loan.
  • FIG. 9 is an overall processing flowchart of the embodiment.
  • FIG. 10 is a conceptual configuration diagram of another embodiment.
  • FIG. 11 is a configuration block diagram of a bank system according to still another embodiment.
  • FIG. 12 is a conceptual configuration diagram of still another embodiment.
  • FIG. 13 is a configuration block diagram of the bank system in FIG.
  • FIG. 14 is an overall processing flowchart of still another embodiment.
  • FIG. 15 is a conceptual configuration diagram of still another embodiment.
  • FIG. 16 is a configuration block diagram of a bank system according to still another embodiment.
  • Figure 17 shows the configuration of a conventional wage payment system.
  • FIG. 18 is a block diagram showing the configuration of the bank system in FIG.
  • Figure 19 is a block diagram of a conventional payment system for business-to-business transactions.
  • FIG. 20 is an explanatory diagram showing the relationship between attendance data and salary and advance lending in another embodiment.
  • FIG. 1 shows a conceptual configuration diagram of the present embodiment. It shows the relationship between temporary workers such as part-timers (or part-timers), employees, and banking systems.
  • Temporary worker 10 provides labor under a labor contract with employer 12.
  • Temporary workers 10 provide labor data to the banking system 14.
  • Labor data is basically working days, working hours, etc., but includes data required to calculate hourly wages, basic deductions, and other salaries for temporary workers 10 for temporary workers 10. Is also good.
  • the data used to create a withholding slip can also be used.
  • Labor data is generated each time the temporary worker 10 provides labor to the employer 12 and is provided to the banking system 14.
  • the banking system 14 sequentially accumulates these time-series labor data.
  • the temporary worker 10 provides advance lending data to the banking system 14 at an appropriate timing.
  • the advance lending request data includes the date on which the temporary worker 10 wants to receive money, ie, the date of funding, and the amount of money that the temporary worker 10 wants.
  • Resources The grant date can be set to any day after the temporary worker 10 provides work to the employer 12.
  • the banking system 14 when the temporary worker 10 wishes to receive money in consideration of labor by designating the date of funding, the banking system 14 requests the temporary worker 10 from the employer 12 (the employer 1). Pay to temporary workers 10 in accordance with the loan consignment agreement with 2). That is, the banking system 14 satisfies the requirements of the temporary workers 10 by transferring the temporary workers 10 into the account of the temporary workers 10 as, for example, internal loan funds, according to the request of the temporary workers 10. . Funds are basically provided within the total wage (salary) generated by the work of the ten temporary workers. Therefore, this fund has the same economic effect as the advance payment of salary for the temporary worker 10.
  • a temporary worker 10 can receive compensation for his or her work, that is, a wage on any day he or she desires.
  • the banking system 14 issues the money (advance loan) to the temporary worker 10 on the desired date of the temporary worker 10, and then outputs the money transfer data to the employee 12, Notify that funding has been performed.
  • the output of the advance loan transfer data to the employer 12 may be executed prior to the transfer processing to the temporary worker 10 account, and the transfer processing is performed after receiving the consent from the employer 12. May be executed.
  • FIG. 2 shows the configuration blocks of the bank system 14 in FIG.
  • the banking system 14 has, in addition to the computer system 14a, a labor data management file 14b, an advance loan management file 14c, and a payroll data management file 14d.
  • the computer system 14a performs the normal money transfer transaction processing, that is, by writing to a specific account file in its own bank, thereby debiting or transferring the money. Or, a transfer process is performed. If the account to be used for the fund transfer transaction processing is not in the bank itself but in another bank, the same processing is requested to the computer system of the other bank.
  • the computer system 14a has an interface for inputting labor data and advance rental data provided by the temporary worker 10. Labor data is stored in the labor data management file 14b, and advance lending data is stored in the advance loan management file 14c.
  • the labor data management file 14 b manages the labor data of the temporary workers 10. Specifically, it is the working days and working hours of each temporary worker. As labor data, basic data of the temporary worker 10, such as age and hourly wage, may be managed. The salary of the temporary worker 10 is calculated from the hourly wage and working hours of the temporary worker 10, and stored in the salary data management file 14d. The salary calculation may be performed by the computer system 14a, but may be performed by another computer that manages the labor data management file 14b or the salary data management file 14d.
  • the advance loan management file 14 c manages advance loan request data provided by the temporary worker 10.
  • the advance lending request data is, specifically, the funding statement and the desired amount of the granting.
  • the advance loan management file 14 c may also store the results of the internal loan fund delivery actually executed by the bank system 14. That is, the date of the actual funding and the amount of the advance paid to the temporary worker's 10 account.
  • the internal loan fund to be provided to the temporary worker 10 is within the salary of the temporary worker 10, and if the amount of funding desired by the temporary worker 10 is within the salary, The amount actually delivered is the same.
  • the salary data management file 14 d manages salary data calculated from the labor data of the temporary workers 10. If the temporary worker 10 provides labor to the employer 12 more than once or for more than one day, salary data will be generated sequentially and stored in the salary data management file. By referring to the salary data management file 14d, the computer system 14a can determine the limit to which the temporary worker 10 can be provided with internal company funds. In other words, if the desired amount provided from the temporary worker 10 is within the range of the salary of the temporary worker 10 until the desired date of delivery, the computer system 14a will add the desired amount of delivery to the desired date of delivery. Delivery I do.
  • the computer system 14a performs one of a plurality of options. First, if the desired grant amount exceeds the salary, the process is to reject the grant. Second, if the desired grant exceeds the salary, the process is to limit the amount of the grant to the same amount as the salary. If legally possible, a third option could be to allow the grant even if the desired amount exceeds the salary.
  • the computer system 14a transfers the amount to the temporary worker 10's account 14 ⁇ on the desired date. Also, the amount equivalent to the grant amount will be deducted from the account 14e of the employer 12.
  • the salary data management file 14d stores the salary data of the temporary worker 10
  • the advance loan management file 14c stores the advance loan (grant amount) and the date of grant. Therefore, the computer system 14a can extract the remaining salary of the salary data that has not been processed by the advance loan by comparing the two files.
  • the payroll results may be stored in the payroll data management file, and in this case, the remaining payroll can be extracted by comparing the payroll data in the payroll data file with the payroll results data.
  • the computer system 14a calculates or extracts the remaining salary data on the day specified by the employer 12, that is, the payroll date specified by the employee 12, and calculates the salary transfer date specified by the employer 12. Transfer the temporary worker 10 to the account 14f.
  • FIGS. 3 to 5 schematically show the labor data management file 14b, the advanced loan management file 14c, and the salary data management file 14d in FIG. Figure 3 shows the labor data management file 14b, where the names of the temporary workers 10 and the employees 1 2
  • the working hours are stored in association with each other.
  • the temporary worker 10 with the name A (which may be a code) has an employer 12 of company X and the working hours are hi. Instead of working hours, work start time and work end time may be used. Also, the rest time, hourly wage, additional data, and deduction data of each temporary worker 10 may be stored together.
  • the labor data management file 14 b stores the data required to calculate the daily salary of the temporary worker 10.
  • Fig. 4 shows the advance loan management file 14c, which stores the temporary worker 10's name, the employer 12 ', the advance loan desired date (the desired date of funding), and the advance loan desired amount (the desired amount of grant).
  • the temporary worker 10 with the name A and the employer 1 2 is Company X
  • the desired advance date is d l
  • the desired advance amount is ml.
  • the desired advance payment date is specified as a day, such as "1 day”, “15 days”, etc., as well as an interval or payment method such as “daily”, “every other day”, “daily payment", “weekly payment”, etc. Can also be specified.
  • the desired amount of advance payment may not be specified by the temporary worker 10.
  • the temporary worker 10 only wants “pay daily” and does not enter the desired advance payment. In this case, the daily salary is automatically set to the desired advance payment.
  • employees of A and B are company X
  • employee of C is company Y.
  • the employer 12 does not necessarily have to be a single employer, and a plurality of temporary workers 10 and a plurality of employers 12 may be managed.
  • Fig. 5 shows the salary data management file 14d, which stores the names of the temporary workers 10, the employees 12, the prepayments already paid in advance (actual results of prepayments), and salaries.
  • the salary data is basically a file that manages the salary calculated from the labor data in Fig. 3, but it is also possible to manage the performance of the advance loan together with the salary.
  • Figure 5 shows the file in this case.
  • advance loan ⁇ salary In Fig. 5, advance loan ⁇ salary. Payroll data is generated sequentially, and advance loans are also generated sequentially.
  • the salary data management file 14d adds daily salary and advance payment to the file.
  • FIG. 6 shows a schematic diagram of the internal loan financing executed by the banking system 14. Salary data 20 calculated based on labor data is generated daily, and these are accumulated to form total salary data 22 of temporary workers 10. In the conventional salary payment system, this total salary data 22 is transferred to the account 14 f of the temporary worker 10 on a predetermined pay transfer date.
  • any desired amount of the temporary worker 10 is processed as the advance loan data 24, and the temporary worker 10 Transferred to account 14f. If temporary worker 10 subsequently provides work, total salary data 22 will be newly stored. On the salary transfer date specified by employer 1 2, of the total salary data 2 2, the remaining salary data 2 6 that has not yet been processed as advance loan data is the account of temporary worker 10 on the payroll transfer date. Transferred to 1 4 f. As described above, the monthly salary transfer process is completed.
  • FIG. 7 shows a modification of FIG. This is the case when the temporary worker 10 requests advance payment (funding) on a “pay-per-day” basis. If the temporary worker 10 provides work to the employer 12 on a certain day, the work generates salary data 20 and also creates total salary data 22 up to that date. The total salary data 22 is processed as it is as advance payment data 24 and transferred to the account 14 f of the temporary worker 10 by the next day or the next two days. Since there is no remaining salary data 26, the transfer process on the predetermined pay transfer date is not executed. If temporary worker 10 provides work again after receiving the advance loan, new salary data 20 and total salary data 22 are generated, and total salary data 22 remains unchanged as advance loan data. Processed as 24.
  • FIG. 8 shows another modification of FIG. This is the case when the temporary worker 10 wishes to advance loan (funding) on a “weekly payment” basis. If the temporary worker 10 provides labor to the employer 12 over several days in a week, these labors generate the salary data 20 sequentially, and the total salary data 22 for one week is obtained. Created. The gross salary data 2 2 is processed as it is as advance payment data 24 and is transferred to the temporary worker 10 account 14 f. In the next week, the same process is executed, and the total salary data 22 is processed and transferred as advance loan data 24. Since there is no remaining salary data 26, the transfer process on the predetermined pay transfer date is not executed.
  • FIG. 9 shows an overall processing flowchart of the present embodiment.
  • the temporary worker 10 transmits labor data and advance rental request data using a mobile phone or PDA (S101).
  • Labor data need not be transmitted directly from the temporary workers 10, but may be transmitted periodically, for example, from a computer system or time card system that manages the working status of the temporary workers 10.
  • the transmission of labor data and the advance rental request data do not need to be synchronized.For example, labor data is transmitted each time a temporary worker 10 provides labor, and advance rental data is transmitted at any time. .
  • the salary is calculated based on the labor data (S102).
  • the labor data of the employer 12 may be compared with the input labor data.
  • the salary data calculated based on the labor data may be compared with the salary data created by the employer 12.
  • the banking system 14 After creating salary data for the temporary worker 10, the banking system 14 temporarily allocates an advance loan within the range of salary as an internal loan to the employer 12 on the desired date of delivery, based on the entered advance loan request data. Transfer to the worker's 10 account (S103). When transferring the advance loan, the transfer may be notified to the employer 12 and the transfer may be made after the consent of the employer 12. A transfer may be made after performing a process to determine whether or not the desired grant amount is within the range of salary, and a process for notifying temporary workers 10 when the desired amount of grant exceeds the range of salary is performed. May be. Since the transfer of funds is treated only as an internal loan for the employer 12, the bank system 14 automatically debits the amount corresponding to the advance loan from the account 14 e of the employer 12 (S 10 Four ) .
  • the process of transferring the advance money and the process of debiting the employer's 12 account are repeated as necessary. Then, at the point in time before the specified date of the payroll transfer specified by the employer 1 2, the remaining pay of the payroll that has not been processed in advance is calculated, and the account 1 of the temporary worker 10 on the payroll transfer date is calculated. Transfer to 4 f (S 105). In addition, the same amount is debited from the account 14 e of the employer 12.
  • the internal loan fund issuance process is performed on the premise of salary. Remaining After completing the remaining payroll transfer, the banking system 14 notifies the employer 12 of the previous loan transfer process and the remaining payroll transfer process for the month. Employer 12 does not need to recognize daily or weekly payments for temporary worker 10, and can use the same monthly closing process as before. In the present embodiment, workers are provided with internal loans, but the form may be arbitrary.
  • Table 1 The data in Table 1 is stored in the labor data management file 14b.
  • Table 2 shows the basic data of each temporary worker.
  • hourly wage B is an hourly wage applied after 18:00:00.
  • the basic labor data in Table 2 may be stored in the labor data management file 14b, or may be stored in another file.
  • Table 3 shows salary data.
  • Table 3 The daily salary data in Table 3 is stored sequentially in the salary data management file 14d. Salary is basically processed on a monthly basis as before. Month close The total salary is shown in Table 4.
  • the data in Table 5 is stored in the advance loan management file 14c.
  • advance loan request data (desired date, desired amount) is shown.
  • B wants 900 yen from the second statement.
  • C has not sent advance loan request data.
  • Tables 6, 7, and 8 show the payroll data managed in the payroll data management file and the advance loan results.
  • the salary on the first day is 5,2,25 yen
  • the advance loan on the first day is 5,000 yen
  • the remaining salary is 2 It is 25 yen.
  • the salary on the second day is 5,225 yen, and the total salary is 10,450 yen.
  • the advance loan on the second day is ⁇ 5,000, and the total advance loan is ⁇ 100,000.
  • the remaining salary (that is, the amount available for advance rental) is 450 yen.
  • the salary on the specified month end is ⁇ 5,225, and the total salary up to the month end is ⁇ 15,675.
  • the remaining salary on the closing day is 5,675 yen.
  • ⁇ 10,000 is loaned as an advance loan
  • the remaining ⁇ 5,675 is paid as salary.
  • B out of the total salary of ⁇ 14,100, ⁇ 9,000 is loaned as an advance loan, and the remaining ⁇ 5,100 is paid as salary.
  • the total salary of 13,500 yen will be transferred as it is.
  • Table 9 shows the salaries that are managed in the salary data management file 14d and that are paid by the employer 12 on the salary transfer date.
  • the temporary worker 10 lends a desired amount of money within the salary of the temporary worker 10 on the desired day, so that the temporary worker 10 Alternatively, they can receive money at the desired intervals for work.
  • input of data on the request for advance loan from the temporary worker 10 and transfer of the advance loan to the temporary worker 10 are performed by the banking system 14 on behalf of the employee 12, so the burden on the employee 1 2 Is also reduced.
  • FIG. 10 shows a conceptual configuration diagram in this case.
  • the labor management computer 16 is a computer for managing the working status of the temporary workers 10 and inputs the labor data transmitted from the temporary workers 10.
  • Labor data may not be directly input from the temporary worker 10 but may be transmitted from a time recorder or the like under the control of the employee 12 and input.
  • the temporary worker 10 inputs a desired working day and working hours from his / her mobile phone and transmits it to the work management computer 16.
  • the employer 12 concludes an ASP (Application Service Provider) contract with the labor management computer 16 and checks the desired date and time of the temporary worker 10 in the form of a web page.
  • the desired working day and working hours entered by the temporary worker 10 are transmitted to the advance management computer 18 as working data.
  • ASP Application Service Provider
  • the labor management computer 16 transmits the labor data after collating it with the labor data actually provided by the employer 12.
  • the labor management computer 16 stores basic data such as hourly wages for each temporary worker, in addition to the labor data, and sends it to the advance management computer together with the labor data or separately from the labor data. .
  • the labor management computer 16 inputs the advance rental request data transmitted from the temporary worker 10 at an arbitrary timing.
  • the advance loan request data includes at least the advance loan desired date (desired date of funding), and preferably includes a combination of the advance loan desired date and the advance loan desired amount.
  • the labor management computer 16 stores the inputted advance lending request data and transmits it to the advance lending management computer 18.
  • the advance lending request date is after the day when the temporary worker 10 actually provides labor to the employer 12, but the advance lending request data itself may be transmitted before the labor offer date.
  • the labor management computer 16 stores the inputted advance lending request data, and transmits the advance lending request data to the advance lending management computer 18 together with the labor data after the day when the labor is actually provided.
  • the labor management computer 16 is different from the employer 12 or banking system 14 May be under the control of a third party.
  • the temporary worker 10 and the labor management computer 16 and the labor management computer 16 and the advance management computer 18 are connected by any combination of public line, dedicated line, wired and wireless .
  • One type of connection is that the temporary worker 10 and the labor management computer 1 are connected by an Internet line, and the labor management computer 16 and the advance rental management computer 18 are connected by a dedicated line. It is.
  • the advance loan management computer 18 includes the above-mentioned labor data management file 14b, advance loan management file 14c, and salary data management file 14d. That is, the advance rental management computer 18 inputs the labor data @ basic data transmitted from the labor management computer 16 and stores it in the labor data management file 14b. Basically, daily salaries are calculated based on working hours and hourly wages, and are sequentially stored in the salary data management file 14d. Further, the advance loan management computer 18 inputs the advance loan request data transmitted from the labor management computer 16 and stores it in the advance loan management file 14c.
  • the advance lending management computer 18 sequentially accumulates salaries generated every day and determines whether or not the salary data accumulated up to the advance lending desired date, that is, the total salary (cumulative salary) is equal to or greater than the advance lending desired amount. And create advance loan transfer data.
  • the advance transfer data includes data (ID) identifying the temporary worker 10, data (ID) identifying the employer 12, the advance date, and the advance amount.
  • Advance transfer data is sent to the banking system (bank computer) 14. According to the bank transfer data, the bank system 14 transfers the amount corresponding to the advance loan to the account 14 f of the temporary worker 10 on the day of the previous loan, and the account 14 4 Deduct the amount corresponding to the advance loan from e.
  • the advance loan transfer data is basically transmitted from the advance loan management computer 18 to the bank system 14, but is transmitted to the employer 12 before or after transmission. Calculates the total salary data and total advance loan data with the specified date before the salary transfer date specified by the person 1 and 2 as the closing date, and calculates or extracts the remaining salary data of the total salary data that is not processed as the advance loan To create salary transfer data.
  • the salary transfer data includes data (ID) that identifies the temporary worker 10, data (ID) that identifies the employee 12, the transfer date, and the transfer amount .
  • the bank system 14 transfers the amount corresponding to the salary on the transfer date to the account 14f of the temporary worker 1 ⁇ and withdraws it from the account 14e of the employer 12 .
  • the payroll transfer date may be sent from the employer 12 to the advance loan management computer 18 or, if stipulated by a contract between the employer 12 and the bank system 14, the advance loan from the bank system 14. It may be transmitted to the management computer 18.
  • the advance management computer 18 and the bank system (bank computer) 14 can also be connected by any communication line. One type of connection is a dedicated line with security in mind.
  • the advance loan management computer 18 may be under the control of the bank system 14. In this case, the advance management computer 18 functions as a part of the bank system 14, and labor data and advance rental request data are transferred from the temporary worker 10 to the bank system 14 via the labor management computer 16. Will be provided.
  • the process of withdrawing the amount equivalent to the advance loan and the amount corresponding to the remaining salary for the account 14 e of the employer 1 2 are both subject to the overdraft agreement with the employer 12. It can also be treated as an overdraft based on
  • FIG. 11 shows processing in the bank system 14 in this case.
  • the computer system 14a transfers the advance loan to the account 14f of the temporary worker 10 and overdrafts an amount equivalent to the advance loan to the account 14e of the employer 12.
  • Perform processing The loan data is stored sequentially in the loan file 14g associated with the employer 12.
  • the lending file 14 g may also store data on lending interest rates.
  • the transfer of the advance loan and the transfer of the remaining salary are performed within the limit of the overdraft without individual consent of the employer 12.
  • the total loan amount is notified to employer 12 on a monthly basis.
  • Employer 1 2 only needs to pay the banking system 14 on a monthly basis.
  • payrolls, advances and loans are settled on the closing date of the month.
  • this system is convenient for temporary workers 10 because they can receive a loan of the desired amount on the day they want, which increases convenience of labor.
  • the temporary worker 10 has been described as an example of the worker, but the present invention can be similarly applied to temporary workers and regular employees in addition to the part-time workers.
  • the embodiments of the present invention have been described above, various modifications can be made without departing from the technical idea of the present invention.
  • the explanation has been given of the payment of money by an internal loan between an employer and a worker, but it is not always necessary to process the payment as an internal loan.
  • the same can be applied to payment between parties in a payment relationship, for example, between a company and another company.For example, if company A purchases goods from company B, Company B pays accounts receivable to Company A, and Company A has an obligation to pay money to Company B.
  • Company A pays the price to Company B via banking system 14, but Company B sends the request for advance payment to Banking system 14, and banking system 14 within the range of the receivables data of Company B It is also possible to transfer the reimbursement money at and debit the account of Company A.
  • the advance loan request data is equivalent to the advance payment request data
  • the funding date data is equivalent to the advance payment transfer request date
  • the labor data is equivalent to the accounts receivable data (or commodity trading data)
  • the labor The employee salary is equivalent to the receivable of Company B
  • the transfer of the internal loan funds is equivalent to the transfer of the advance payment.
  • the banking system 14 gives the monetary creditor You can transfer money.
  • a person skilled in the art can apply the present invention to any transaction between the parties that have a monetary obligation, replace the worker with a monetary creditor or a person who has a future monetary claim, and replace the employer with the monetary obligation. Can be applied in place of a person or a person who bears future financial obligations.
  • Banking system The system is also a symbol of the foreign exchange business, and its name does not matter as long as it performs a system similar to the banking system.
  • Figure 12 shows the relationship between Company B 110, Company A 112 and the banking system 114. This corresponds to FIG. Company A 1 1 2 purchases goods from Company B 1 1 10 (Company B 1 1 10 sells products to Company A 1 1 2), and Company A 1 1 2 Assume that accounts payable has been generated (company B 110 has receivable from company A 112). In a normal transaction, as shown in Fig.
  • company A 1 1 2 makes a transfer request to bank system 1 14 by a predetermined payment date, and bank system 1 1 4 Transfer the accounts payable of Company A 112 (accounts payable due to product purchase) to the account of Company B 110 based on the request from
  • the B company 110 transmits the desired advance payment data to the banking system 114 on any desired date.
  • the banking system 1114 that has received the reimbursement request data provides an arbitrary amount within the range of the receivables of Company B 110 (Company B 110). Transfer the reimbursed amount to the account of Company B 110.
  • the amount corresponding to the advance payment is deducted from the account of Company A 1 1 2.
  • Company A 1 1 2 After transferring the advance payment, send the advance payment data to Company A 1 1 2 to notify that the advance payment of the accounts payable has been executed.
  • the receivables data of B company 110 to A company 112 may be transmitted from B company 110 to banking system 114, or A company 111 which has financial obligations. May be sent to the banking system 1 1 4 from.
  • the banking system 1 14 extracts the remaining accounts receivable that have not been processed for reimbursement from the accounts receivable of company B 110 at the end of the month and transfers them to the account of company B 110. Debit from account.
  • Company B 110 can collect any amount of accounts receivable on any day desired by itself (any day prior to the original payment date). In the case of 1 1 and 2 as before, payment of the accounts payable to B company 1 in the month will be sufficient.
  • FIG. 13 shows a block diagram of the configuration of the bank system 1 14 in FIG. I have.
  • the banking system 1 1 1 4 is a computer system 1 1 4 a, as well as the A and A 1 1 2 B company 1 1 0 B accounts payable and debt management file 1 1 4 b, advance payment management file 1 1 4 c, It has a gold data management file 1 1 4 d.
  • the computer system 114a performs a normal money transfer transaction process, that is, a debit, transfer, or transfer process by performing a write process on a specific account file in the bank. If there is an account in the other bank, not the bank, to perform the money transfer transaction processing, the same processing is requested to the computer system of the other bank.
  • the computer system 1114a is generated each time Company A 112 purchases goods from Company B 110, and accounts payable data provided from Company A 112 and Company B 110 An interface is provided for inputting desired reimbursement data. Accounts payable debt data is stored in the management file 111b, and data for the advance payment is stored in the advance management file 114c.
  • Accounts payable data management file 111b manages the accounts payable data of company A 112. Specifically, it is the product purchase data of Company A 1 1 2.
  • the product purchase data includes, for example, product name, quantity, unit price, and purchase date.
  • the accounts payable for company A 1 1 2 to company B 1 110 is calculated and stored in the accounts payable data management file 114 d.
  • the advance payment management file 1114c manages the advance payment request data provided by the B company 110.
  • the advance request data is, specifically, the advance date of the advance payment and the desired amount of the advance.
  • the reimbursement management file 114c may also store the actual remuneration transfer actually executed by the banking system 114. In other words, the date of the actual payment and the amount of the payment actually transferred to the account of Company B 110.
  • the advance paid to B company 110 is within the range of accounts receivable of company A 112, that is, within the range of receivables of company B 110, and the desired amount of advance payment desired by company B 110 If is within the range of the accounts payable, the desired amount and the actual amount paid are equal.
  • the accounts payable data management file 114d manages the accounts payable data calculated from the accounts payable debt data of company A 112. If Company A 1 1 2 purchases goods from Company B 1 1 0 multiple times or over multiple days, accounts payable data will be generated sequentially, and will be stored in the Accounts Payable Data Management File 1 14 d sequentially. It will be stored. A company 1 Accounts receivable data of 1 2 is equal to accounts receivable data of B company 110.
  • the computer system 114a can determine the maximum amount that can be paid for company B 110 by referring to the accounts payable data management file 114d.
  • the computer system 111 4a pays the desired advance amount on the desired advance date.
  • the computer system 114a will have one of several options. Execute First, if the desired amount of reimbursement exceeds the accounts payable, reimbursement is rejected. Second, if the desired amount of reimbursement exceeds the receivable, the process is to limit the reimbursement to the same amount as the receivable.
  • the computer system 114a transfers the reimbursement amount to the account 111f of Company B 110 on the desired date of the reimbursement.
  • the amount corresponding to the reimbursement amount is deducted from the account 114 e of the company A 112. This completes the transfer from Company A's account 1 1 4 e to Account 1 B 4 of Company B 1 1 0 e, and Company B 1 1 0 will receive money at any desired date. Can be.
  • Accounts payable data management file 1 1 4 d stores the accounts payable data of company A 1 12 (accounts receivable data of company B), and advance payment management file 1 14 c contains the advance payment and advance date. Is stored. Therefore, the computer system 114a can extract the remaining accounts payable (remaining accounts receivable) that have not been processed for reimbursement from the accounts payable data by comparing the two files.
  • Accounts payable data may also be stored in the accounts payable data management file 114d, and in this case, the repurchase data (accounts receivable data) in the accounts payable data file 114d will be compared with the actual data By doing so, the remaining accounts payable can be extracted.
  • the computer system 114a calculates or extracts the remaining accounts payable data on the date designated by Company A 112, i.e., the transfer date designated by Company A 112, and designates Company A 112 Transfer to the account 1 1 4 f of Company B 110 on the transfer date. At this time, it is needless to say that the same amount is deducted from the account 114 e of company A 112. If there is no remaining accounts receivable (residual accounts receivable), that is, if all of the accounts payable has been paid to B company 110 as advance payment, the computer system 114a does not execute residual processing.
  • FIG. 14 shows a processing flowchart in the banking system 114. This corresponds to FIG.
  • Company A 1 1 2 transmits the accounts payable data using the Internet or other communication lines
  • Company B 1 1 0 transmits the advance payment data using the Internet or other communication lines. 4 receives these (S201).
  • Accounts payable data does not need to be transmitted directly from Company A 112, but may be sent periodically, for example, from a computer system that manages the transaction status of Company A 112.
  • the accounts receivable and receivable data may be transmitted from the company B 110.
  • the banking system 114 sends the receivables data of B company 110 to A company 112 to match the accounts payable of A company 112. You can also.
  • Repurchase obligation data is sent each time Company A 112 purchases a product, and reimbursement request data is sent at any time after Company B 110 sells the product to Company A 112. Sent.
  • the accounts payable are calculated based on this data (S202).
  • the banking system 1 1 1 4 creates the accounts payable Transfer the reimbursement money within the range to the account 114f of company B 110 (S203).
  • the transfer of the advance payment may be notified to Company A 112, and the transfer may be made after the approval from Company A 112.
  • a process may be performed to determine whether the desired amount of reimbursement is within the range of accounts payable, and then the transfer may be made. If the desired amount of reimbursement exceeds the range of accounts payable, process B is notified to company 110 May be executed.
  • the bank system 114 automatically debits the amount corresponding to the advance from the account 114 e of the company A 112 (S204).
  • the reimbursement process and the debit process from the account of Company A 1 1 2 ⁇ 1 1 4 e are repeatedly executed as necessary. Then, at the specified date before the transfer date specified by Company A 1 1 2, the remaining accounts payable of the accounts payable that have not been processed are calculated and the account 1 1 of Company B 1 1 0 on the transfer date Transfer to 4 ⁇ (S205). In addition, the same amount Withdraw from account 1 1 4 e of business 1 1 2 e.
  • Payment processing is performed on the assumption of accounts payable and accounts receivable.
  • Banking System 114 After completing the remaining accounts payable transfer, Banking System 114 notifies Company A 112 of the reimbursement transfer process and the remaining accounts payable transfer process for the month.
  • Company A 112 does not need to recognize daily or weekly payments to Company B 110, and the same monthly closing process can be used.
  • FIG. 15 shows a conceptual configuration diagram in this case. This corresponds to FIG. Company A, which is a financial debtor, Company 112, Company B, which is a monetary creditor, Bank 110, a banking system (bank computer), as well as accounts payable and debt management computer 1 1 6 and advance payment management computer 1 Equipped with 18.
  • Accounts payable management computer 1 16 is a computer that manages the status of accounts payable of company A 1 1 2, and accounts payable data transmitted from company B 1 1 0 (for company B 1 1 10 , Or more precisely, accounts receivable data).
  • Company A 1 1 2 confirms the merchandise sales data sent by Company B 1 110.
  • Accounts payable data is sent to the payment management computer 118.
  • the accounts payable and debt management computer 1 16 inputs the advance payment request data transmitted from the B company 110 at an arbitrary timing.
  • the requested advance payment data includes at least the desired advance date, and preferably comprises a combination of the advance request date and the expected advance amount.
  • the Accounts Payable Debt Management Computer 116 stores the input data for the advance payment, and transmits it to the advance payment management computer 118.
  • the desired advance payment date is after the date on which the company B 110 sold the goods to the enterprise A 112, but the transmission of the advance payment desired data itself may be before the sale date of the goods.
  • the Accounts Payable Debt Management Computer 1 16 stores the input data for the advance payment, and stores the data for the advance payment along with the accounts payable data after the actual sale of the product. To the data 1 1 8.
  • Accounts payable management computer 1 1 6 is a company 1 1 2 or banking system 1 It may be under the control of a third party different from 14.
  • the connection with 118 is connected by any combination of public line, dedicated line, wired and wireless.
  • the advance payment management computer 118 includes the above-mentioned accounts payable debt data management file 111b, the advance payment management file 114c, and the accounts payable data management file 114d. That is, the advance payment management computer 118 inputs the accounts payable debt data transmitted from the accounts payable debt management computer 116 and stores it in the accounts payable debt data management file 114b.
  • the advance payment management computer 118 inputs the advance payment request data transmitted from the accounts payable debt management computer 116 and stores it in the advance payment management file 114c.
  • the reimbursement management computer 1 18 accumulates the accounts payable that occurs daily, and checks whether the accumulated payable data up to the desired date of reimbursement, that is, the total accounts payable (cumulative accounts payable) is equal to or greater than the desired amount of reimbursement. Judgment is made and advance payment transfer data is created.
  • the transfer money transfer data includes data (ID) specifying company B 110, data (ID) specifying company A 112, transfer date, and transfer amount. The transfer money transfer data is sent to the bank system (bank computer) 114.
  • the bank system 1 14 transfers the amount corresponding to the transfer money on the transfer date to the account 1 1 4 ⁇ of the B company 110, and the ⁇ company 1 1 2 Withdraw the amount corresponding to the advance payment from account 1 1 4 e.
  • the advance payment transfer data is basically transmitted from the advance payment management computer 118 to the bank system 114, but may be transmitted to the company A 112 before or after transmission.
  • the advance payment management computer 1 18 calculates the total accounts payable data and total advance payment data with the specified date before the transfer date specified by Company A 112 as the closing date, and out of the total accounts payable data, Calculate or extract remaining accounts payable data that is not processed as advance payments and create accounts payable transfer data.
  • Accounts payable transfer data includes data (ID) specifying company B 110, data (ID) specifying company A 112, transfer date, and transfer amount.
  • the bank system 114 transfers the amount corresponding to the accounts payable on the transfer date to the account 111f of Company B 110, and Business 1 1 2 Account 1 1 4 Debit e-cara.
  • the transfer date may be sent from the A company 112 to the advance payment management computer 118, or from the bank system 114, if specified by the contract between the company A 112 and the bank system 114. It may be sent to the advance management computer 1 18.
  • the advance management computer 111 may be under the control of the banking system 114.
  • the advanced payment management computer 1 18 will function as a part of the banking system 1 1 4, and the payables data and the desired advanced payment data will be transferred to the B company 1 via the payables management computer 1 1 6. From 10 will be provided to the banking system 1 14.
  • the withdrawal of the amount equivalent to the advance payment and the amount of the equivalent of the remaining accounts payable to the account 1 14 e of Company A 1 1 and 2 2 It can also be processed as an overdraft based on a loan agreement.
  • FIG. 16 shows the processing in the bank system 114 in this case.
  • the computer system 114a transfers the advance payment to the account 114f of the company 110, and the amount corresponding to the advance payment to the account 114e of the company 112.
  • the loan data is stored sequentially in the advance payment file 114g associated with company A112.
  • data on the lending interest rate may also be stored.
  • transfer of the advance payment and the remaining accounts payable are performed within the limit of overdraft without obtaining the consent of the company A 112 individually.
  • the loan amount is notified to Company A 1 1 2 at the end of the month. Company A 1 1 2 only needs to pay the bank system 1 14 on a monthly basis.
  • Temporary worker 10 is paid to temporary worker 10 on the desired date, but temporary worker 10 or employer 12 is provided with the labor data necessary to create advance loan data.
  • temporary worker 10 or employer 12 is provided with the labor data necessary to create advance loan data.
  • an employer 12 provides labor data
  • the time to provide labor to employees 12 is almost fixed, and it may be considered troublesome to enter working time data each time.
  • the advance loan amount per day of the temporary worker 10 is set to a predetermined amount in advance, and the advance loan amount based on the working day data (working day data) of the temporary worker 10 is set. It can be convenient for both temporary workers 10 and employees 12 if it can be easily calculated.
  • such an embodiment will be described.
  • the temporary worker ⁇ has a daily advance available amount of ⁇ 4,000
  • the temporary worker B has a daily advance available amount of ⁇ 3,000
  • the temporary worker C has a daily available amount of ⁇ 3,000.
  • the advance lending amount is ⁇ 2,000. These amounts are predetermined by the employer 12 and provided to the advance management computer 18.
  • the advance lending amount is the amount automatically granted when a temporary worker goes to work.
  • the advance lending management computer 18 calculates the advance lending amount for each temporary worker from the labor data indicating attendance or absence, and the daily advance lending amount of each temporary worker.
  • Temporary worker A has an available loan amount of 1.2,000 yen after three days of work
  • temporary worker B has an advance loan amount of 6,000 yen after two days of work.
  • the amount of advance lending arising from one sunrise shift is ⁇ 2,000.
  • the calculated advance lending amount is stored in the advance loan management file 14c.
  • Each temporary worker wishes for any amount of advance payment on any desired date, within the range of each advance amount that can be earned by attendance.
  • the advance lending management computer 18 may provide the advance lendable amount to the temporary worker upon request of the temporary worker. The temporary worker can input the desired advance payment while checking the advance available amount provided from the advance management computer 18.
  • Tables 12, 23 and 14 show the advance lending amount and the advance lending performance over three days.
  • Table 12 shows the results on the first day
  • Table 13 shows the results on the second day
  • Table 14 shows the results on the third day. Focusing on A, the amount of advance lending is ⁇ 4,000 because of the first day of work, and it is assumed that advance payment of ⁇ 3,000 was requested on this day.
  • the balance available for advance payment is 1,000 yen.
  • the amount of advance lending was 8,000 yen because he went to work on the second day, and if he wished to advance lending to 1,000 yen on that day, the cumulative amount of advance lending would be 4,000 yen,
  • the available loan balance before deduction is ⁇ 4,000.
  • the advance lendable amount was ⁇ 12,000, and since he did not request advance lending on this day, the cumulative amount of the advance lending remained at ⁇ 4,0.00.0.
  • the available loan balance is 8,000 yen. Focusing on B, the amount available for advance payment is 3,000 yen because the employee went to work on the first day, and the amount available for advance payment is 3,000 yen, because he did not request advance payment on this day. Become. On the second day, the amount of advance lending remains at 3,000 yen because he did not come to work. Assuming that the advance payment was 2,000 yen on this day, the available balance before deduction is It becomes 1, 0 0.0 yen.
  • the amount of advance lending was 6,000 yen because he went to work, and since he did not request advance lending on this day, the total amount of advance lending remains 2,000 yen, and the loan before deduction is available.
  • the balance is 4,000 yen. Focusing on C, the amount of advance lending is 2,000 yen because he went to work only on the first day, and since he did not request advance lending, 2,000 yen remains as the advance lending available balance.
  • the daily available loan amount may be provided to temporary workers upon request from temporary workers as described above.
  • temporary workers use a mobile phone to manage labor.
  • the computer 16 accesses the computer 16, and the labor management computer 16 sends the request data from the temporary worker to the advance loan management computer 18, receives the available amount of advance loan data from the advance loan management computer 18, and Reply to the worker's mobile device.
  • the temporary worker may directly request the advance loan management computer 18 to browse the advance loan availability data without going through the labor management computer 16.
  • the online puncturing provided by the banking system is known, and the same technology can be applied.
  • the advance management computer 18 creates advance loan transfer data according to advance request data from temporary workers, and Send to computer 14
  • the advance loan request data is compared with the advance loan available amount, and if the advance loan is within the range of the advance loan available amount, the advance loan transfer data is created.
  • Bank Combiner 14 Yes Executes the transfer process to the temporary worker's account based on the advance loan transfer data.
  • the advance loan management computer 18 compares payroll data created on the basis of actual working hours and stored in the payroll data management file 14d with the advance loan record on the predetermined closing date, and calculates the payroll data.
  • An amount deducted from the advance amount is created as salary transfer data, stored in the salary data management file 14 d, and transmitted to the bank computer 14.
  • Table 16 shows the salary amount calculated for each temporary worker based on the actual working hours, the cumulative amount of advance loans, and the salary transfer as the difference.
  • Focusing on A three days of work resulted in a total salary of ⁇ 15,675, with a total of ⁇ 3,000 on the first day and a total of ⁇ 4,0 on the second day.
  • the amount paid as salary on the specified closing date is 11,675 yen due to the advance loan of 0 yen.
  • Focusing on B a total of 9,400 yen was paid for two days of work, and a total of 2,000 yen was paid in advance. Is 7,400 yen.
  • Focusing on C a total of 4,500 As a salary of yen was generated and no advance payment was requested, the amount paid as salary on the specified closing day was ⁇ 4,500.
  • the salary transfer data is transmitted to the bank computer 14, and the bank computer 14 executes a transfer process for the temporary worker's account.
  • FIG. 20 schematically shows the process in the above embodiment. I have. Attendance data is generated when temporary workers work for more than a specified time. Total salary data 22 is created based on the attendance data. In other words, salary data is created from actual working hours in the attendance data and hourly wages for each temporary worker. On the other hand, in addition to the total salary data 22, advance loan data 23 is created from the attendance data 21. This advance lending data 23 is calculated from the number of working days and the predetermined advance lending amount per day, regardless of actual working hours.
  • the prescribed advance amount per day shall be set based on the regular (or expected) actual working hours and hourly wage of the temporary worker. Is preferred. For example, if temporary worker A is expected to work normally for 5 hours and the hourly wage is 800 yen, the salary per person is usually 4,000 yen. 4, 000 yen and so on. The actual working hours X hourly wage ⁇ (amount of advance lending per day) is set, or if the working hours are longer than the actual working hours that satisfy the above inequality, the temporary workers are called What should I do?
  • the temporary worker desires advance payment of a desired amount within the range of daily advance available loan data 23.
  • the shaded portion is the advance loan portion desired by the temporary worker.
  • the data of the advance loan portion is transmitted from the advance loan management computer 18 to the bank computer 14, and the bank computer 14 executes a transfer process to the temporary worker's account.
  • the total salary data 22 and the advance loan data 23 are collated, and the advance salary data of the total salary data 22 and the advance loan data 23 are compared. The difference from the actual data is calculated, and the obtained balance is used as salary transfer data 26.
  • the amount of advance lending per day is not fixed, but may be changed gradually according to the attendance of temporary workers. For example, for temporary workers who have just started employment, 50% of the expected working time X hourly wage is set as the amount of advance lending per day, and temporary workers who have been in employment for a certain period of time For example, 80% of the expected working hours X hourly wage can be used as the amount of advance lending per day.
  • the amount of advance loan per day is basically set by the employer 1 2 and stored in the advance loan management file 14 c of the advance management computer 18, but under the authentication conditions from the employer 1 2 In this case, the advance loan management computer 18 may periodically update the advance loan amount file per day. For temporary workers, the amount of advance lending will increase according to the work performance.
  • money can be paid in a manner desired by a worker or, more generally, a money creditor.

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Abstract

La présente invention concerne un système de paiement en numéraire au moyen du système bancaire. Une entreprise (110) ou un salarié fournit un produit, un travail ou de la main d'oeuvre à une entreprise (112). Des données de débit-et-crédit ou des données de salaire du salarié relatives à l'entreprise (112) sont fournies au système bancaire (114). En outre, des données relatives à une demande d'avance d'argent provenant de l'entreprise (110) ou du salarié sont également fournies au système bancaire (114). Conformément aux données de débit-et-crédit ou aux données de salaire, le système bancaire (114) transfère l'avance à l'intérieur de la plage du débit-et-crédit créée de l'entreprise (112) vers un compte de l'entreprise (110) ou du salarié à la date requise par l'entreprise (110) ou le salarié. Le montant de débit-et-crédit restant, non soumis au traitement d'avance parmi le montant de débit-et-crédit ou les données de salaire, est transféré sur le compte de l'entreprise (110) ou du salarié à une date de transfert spécifiée par l'entreprise (112).
PCT/JP2003/016222 2002-12-19 2003-12-18 Systeme et procede de paiement en numeraire WO2004057509A1 (fr)

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