WO2016148293A1 - Dispositif et procédé de traitement de règlement, et programme informatique - Google Patents

Dispositif et procédé de traitement de règlement, et programme informatique Download PDF

Info

Publication number
WO2016148293A1
WO2016148293A1 PCT/JP2016/058814 JP2016058814W WO2016148293A1 WO 2016148293 A1 WO2016148293 A1 WO 2016148293A1 JP 2016058814 W JP2016058814 W JP 2016058814W WO 2016148293 A1 WO2016148293 A1 WO 2016148293A1
Authority
WO
WIPO (PCT)
Prior art keywords
salary
payment
amount
worker
settlement
Prior art date
Application number
PCT/JP2016/058814
Other languages
English (en)
Japanese (ja)
Inventor
高崎　義一
Original Assignee
高崎 将紘
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 高崎 将紘 filed Critical 高崎 将紘
Priority to US15/707,332 priority Critical patent/US20180174127A1/en
Priority to SG11201707648VA priority patent/SG11201707648VA/en
Priority to CN201680016842.3A priority patent/CN107430749A/zh
Priority claimed from JP2016055421A external-priority patent/JP6412040B2/ja
Publication of WO2016148293A1 publication Critical patent/WO2016148293A1/fr

Links

Images

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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

Definitions

  • the present invention relates to a technique for performing a margin transaction using a worker's scheduled salary as a credit line.
  • salaries of blue collar workers are generally tabulated on a predetermined day, such as the end of the month or weekend, for a week, a half month, or a month, and are often paid to workers at a later date.
  • a predetermined day such as the end of the month or weekend, for a week, a half month, or a month
  • low-income workers may not be able to wait for salary payments until the salary payment date. In many cases, it does not take care of the employer.
  • Patent Document 1 a worker information database that is connected to a cash payment machine via a communication means and manages information on workers, a company information database that manages information on companies involved in the workers, Cash payment machine input information receiving means for receiving worker information for specifying a worker input from the cash payment machine and a desired withdrawal amount, and a withdrawal for causing the cash payment machine to withdraw a predetermined amount.
  • a salary payment management server comprising a withdrawal amount information transmitting means for transmitting amount information, wherein the balance of undrawn money from the worker information database using the worker information received by the cash dispenser input information receiving means.
  • a withdrawal amount determining means for determining the desired withdrawal amount as the withdrawal amount information and delivering it to the withdrawal amount information transmitting means, and further comprising a credit determining means for judging the credit of the worker. If the amount comparison means determines that the desired withdrawal amount is greater than the remaining salary, the credit determination means determines the worker's credit, and the withdrawal amount determination means includes the The difference between the desired withdrawal amount and the remaining salary is added to the remaining salary within the range of the borrowing frame determined by the credit judgment means, and the added amount is determined as the withdrawal amount information, and the withdrawal amount information
  • a salary payment management server characterized in that it is configured to deliver to a transmission means.
  • Patent Document 1 cash is lent to a worker based on salary.
  • the cash dispenser cannot be used.
  • an object of the present invention is to enable a credit transaction in which a worker pays a price to be paid at the time of purchasing a product based on the scheduled salary amount related to the salary scheduled to be paid to the worker.
  • the settlement processing apparatus provides credit for changing the price paid by a worker when purchasing a product based on the scheduled salary amount related to the salary scheduled to be paid to the worker.
  • a salary which is a device for conducting transactions and is configured to be able to communicate with a store terminal that sells products to the worker via a network, and stores salary information including the scheduled salary amount of the worker.
  • a credit inquiry is received from the information storage means, payment information storage means for storing payment information including the payment amount associated with the product purchase of the worker, and information relating to the payment request amount required for the product purchase from the store terminal.
  • a credit inquiry receiving means a credit inquiry processing means for referring to the salary information storage means and executing a credit inquiry process using the scheduled salary of the worker as a credit frame, and the store terminal.
  • a result transmitting means for transmitting the result of the credit inquiry process; a payment request receiving means for receiving a payment request from the store terminal; and a payment process for registering payment information in the payment information storage means based on the payment request And a payment amount calculation means for subtracting the payment amount from the scheduled payment amount and calculating a payment amount of the salary with reference to the salary information storage unit and the payment information storage unit.
  • the apparatus may further include a salary payment processing means for executing a salary payment process for paying the calculated amount of salary to the worker.
  • a first credit frame calculation for calculating a first possible settlement amount by subtracting the settlement amount from the scheduled salary amount as the credit frame.
  • the credit inquiry processing means may execute a credit inquiry process using the first settleable amount as a credit frame.
  • the credit inquiry processing means may execute a credit inquiry process using the second settleable amount as a credit frame.
  • the second credit line calculation means refers to the salary information storage means and the settlement information storage means, and multiplies the worker's scheduled payment amount by a predetermined ratio as the credit limit, and It is also possible to calculate a third payable amount obtained by subtracting the payment amount.
  • a point calculation means for calculating a predetermined quantity of points by multiplying the payment amount by a predetermined ratio, and the calculation calculated with reference to the payment information storage means It may be further provided with point giving means for giving points to the worker by associating points of quantity with the worker.
  • a settlement processing method is for performing a credit transaction for changing the price paid by a worker when purchasing a product based on a scheduled payment amount relating to a salary scheduled to be paid to a worker.
  • a store terminal that sells products to the worker, and a salary information storage means configured to be communicable via a network and storing salary information including a scheduled salary amount of the worker;
  • Payment information storage means for storing payment information including the payment amount associated with the purchase of goods by the worker, and a credit inquiry together with information relating to the payment request amount required for the purchase of goods from the store terminal.
  • a process of receiving, a process of executing a credit inquiry process using the scheduled salary of the worker as a credit frame with reference to the salary information storage unit, and the credit reference to the store terminal A process for transmitting a result of the process, a process for receiving a settlement request from the store terminal, a process for registering settlement information in the settlement information storage unit based on the settlement request, the salary information storage unit and the settlement
  • a computer program for performing a credit transaction for changing the price paid by a worker when purchasing a product based on a scheduled payment amount related to a salary scheduled to be paid to a worker.
  • a salary information storage unit configured to be communicable via a network and a store terminal that sells products to the worker, and storing salary information including a scheduled salary amount of the worker;
  • Payment information storage means for storing payment information including the payment amount associated with the purchase of goods by the worker, and a credit inquiry together with information relating to the payment request amount required for the purchase of goods from the store terminal.
  • a process of receiving, referring to the salary information storage means, executing a credit inquiry process using the scheduled salary of the worker as a credit frame, and the store end On the other hand, a process of transmitting the result of the credit inquiry process, a process of receiving a payment request from the store terminal, a process of registering payment information in the payment information storage means based on the payment request, Referring to the salary information storage unit and the settlement information storage unit, a process of subtracting the settlement amount from the scheduled salary amount and calculating a salary payment amount is executed.
  • FIG. 1 shows a configuration of a payment processing apparatus 1 according to the first embodiment.
  • the settlement processing apparatus 1 manages a salary of a worker who works for a company, and performs a credit transaction in which the worker pays for the purchase of the product based on the salary. It is configured to be able to communicate with a store terminal 2 used by a store to purchase via a network NW such as the Internet.
  • NW such as the Internet
  • the product in the case of product purchase, is not limited to tangible or intangible, movable property or real estate, and includes intangible services, and at least general transactions that generate a price.
  • the payment processing apparatus 1 is realized by a so-called server computer or the like, and includes hardware resources such as a CPU (Central Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), a hard disk drive, a computer program executed by the CPU, and the like.
  • Credit reference processing unit 11, payment processing unit 12, payment amount calculation unit 13, salary payment processing unit 14, point calculation unit 15, point granting unit 16, communication processing unit 17, worker information DB 1A, salary information A functional block including the DB 1B and the settlement information DB 1C is configured.
  • the worker information DB 1A is a storage unit that stores information about workers.
  • this worker information DB 1A for example, as shown in FIG. 2, for each worker ID that can identify the worker, the worker's name, affiliation, and worker at the time of settlement by the settlement processing apparatus 1 according to the present embodiment.
  • Authentication information for authenticating is stored.
  • the salary information DB 1B is a storage unit that stores salary information for each worker.
  • the salary information DB 1 ⁇ / b> B stores, as salary information, a scheduled salary amount associated with each worker ID for identifying a worker.
  • the scheduled salary amount is, for example, the salary amount scheduled to be paid to the worker every month.
  • the scheduled payment amount is composed of the final amount based on the past work record and the total amount based on the future work schedule.
  • the salary information DB 1B also stores the quantity of points given to workers at a predetermined rate when a margin transaction is performed by the settlement processing apparatus 1 according to the present embodiment.
  • the salary information stored in the salary information DB 1B may include information such as a salary payment account according to the circumstances of the worker.
  • the settlement information DB 1C is a storage unit that stores settlement information in a transaction when the worker performs a margin transaction by the settlement processing apparatus 1 according to the present embodiment.
  • this settlement information DB 1C for example, as shown in FIG. 4, for each worker ID for identifying a worker, the settlement amount for each unit settlement period such as weekly, half-monthly, or monthly (FIG. 4 shows monthly units).
  • information such as the summary details of the payment amount such as the date and amount of payment, etc. is stored.
  • the credit inquiry processing unit 11 refers to the salary information storage unit based on the credit inquiry received from the store terminal 2 and executes a credit inquiry process using the scheduled salary amount of the worker as a credit frame.
  • the details of the credit inquiry process are as follows.
  • the credit inquiry is received from the store terminal 2 to the information that can identify the worker such as a predetermined ID and the settlement request amount required for the product purchase, with reference to the salary information DB 1B, Identify the expected salary of the worker.
  • the scheduled payment amount as a credit frame, it is determined whether or not the settlement request amount required for the product purchase falls within the credit frame. As a result, if it falls within the credit frame, the process proceeds to a settlement process. If it does not fit within the credit line, error processing such as notifying the store terminal 2 of that fact is executed and the process is terminated.
  • the settlement processing unit 12 executes settlement processing when settlement is possible as a result of the credit inquiry. Specifically, when a payment request corresponding to the contents of the credit inquiry is received together with the worker authentication information necessary for payment from the store terminal 2, the worker information DB 1A is referred to and the authentication information matches or does not match. Execute authentication process based on. If the authentication is successful, the payment information including the payment request amount as the payment amount is registered in the payment information DB 1C. Further, the communication processing unit 17 transmits a notification to the effect that the payment process is completed to the store terminal 2.
  • the payment amount calculation unit 13 refers to the salary information DB 1B and the settlement information DB 1C, and subtracts the settlement amount from the scheduled salary amount to be paid to the worker to calculate the salary payment amount. That is, a part of the salary is applied to the settlement amount by subtracting the settlement amount used for the margin transaction by the settlement processing apparatus 1 according to the present embodiment from the salary.
  • the point calculation unit 15 refers to the payment information DB 1C and calculates a predetermined number of points by multiplying the payment amount by a predetermined ratio.
  • the point granting unit 16 refers to the settlement information DB 1C and gives points to the worker by storing the points calculated by the point calculating unit 15 in association with the worker. This process gives the worker an incentive to the margin transaction by the settlement processing apparatus 1 according to the present embodiment. For example, 1% of the settlement amount is given to the worker as a point. Points can be allocated to a settlement amount for the next and subsequent times at a predetermined rate or exchanged for merchandise according to a predetermined agreement or the like.
  • the communication processing unit 17 is a functional unit that executes transmission / reception processing of various data via the store terminal 2 and the network NW.
  • the communication processing unit 17 can transmit the result of the credit inquiry process to the store terminal 2 or receive a credit inquiry or a settlement request from the store terminal 2.
  • the store terminal 2 is a terminal provided in a store where a worker purchases a product, and is realized by a so-called personal computer or the like.
  • the store terminal 2 includes means for performing transmission / reception processing of various data via the payment processing apparatus 1 and the network NW, and inputting and outputting data necessary for product purchase.
  • Such means include, for example, a card reader for obtaining authentication information for authenticating the worker at the time of settlement, an input button for accepting input of authentication information by the worker, and the like.
  • a worker applies for purchase of a product at a predetermined store, and the store accepts the purchase (S101).
  • the worker asks the store side to make a payment by the payment processing device 1, and provides the store with information that can identify the worker that is necessary for the payment by the payment processing device 1.
  • the information that can identify the worker is information that is issued in advance so that the worker can perform a margin transaction based on the processing of the settlement processing device 1, and is configured by a character string or the like combining alphanumeric characters. This information may be stored in a medium such as a readable IC chip.
  • the store terminal 2 transmits a credit inquiry to the payment processing apparatus 1 together with information that can identify the worker and information related to the payment request amount required for purchasing the product (S102).
  • the settlement processing apparatus 1 executes credit inquiry processing by the credit inquiry processing unit 11 (S103). That is, the credit inquiry processing unit 11 first refers to the salary information DB 1B and specifies the scheduled salary amount of the worker. Then, using the scheduled payment amount as a credit frame, it is determined whether or not the settlement request amount required for the product purchase falls within the credit frame.
  • the result of the credit inquiry is transmitted to the store terminal 2 (S104), and when the credit is successful, a settlement request is transmitted from the store terminal 2 to the settlement processing apparatus 1 (S105).
  • a settlement request is transmitted from the store terminal 2 to the settlement processing apparatus 1 (S105).
  • predetermined authentication information acquired by the store terminal 2 from the worker is also transmitted.
  • This authentication information is composed of a personal identification number set in advance by the worker and registered on the settlement processing apparatus 1 side, and also composed of electronic data of a signature obtained from the worker by a stylus pen or the like. You can also.
  • an error process is performed such as notifying the store terminal 2 to that effect, and the process ends.
  • the payment processing apparatus 1 that has received the payment request from the store terminal 2 executes the payment processing by the payment processing unit 12 (S106). Specifically, based on the worker authentication information received from the store terminal 2, the worker information DB 1A is referred to and an authentication process based on a match or mismatch of the authentication information is executed. If the authentication is successful, the settlement request amount is set as the settlement amount, and settlement information including the settlement amount and the settlement date is registered in the settlement information DB 1C. In the authentication process, the authentication information is composed of electronic data of the worker's signature, etc. Especially when there is no data that confirms the match or mismatch, the authentication is successful or the necessary information is obtained by acquiring the electronic data. The electronic data is registered in the payment information DB 1C as a part of the payment information after being regarded as being prepared. When the payment process is completed, the communication processing unit 17 transmits a notification that the payment process is completed to the store terminal 2 (S107).
  • the point calculation unit 15 refers to the settlement information DB 1C, and calculates a predetermined number of points by multiplying the settlement amount by a predetermined ratio (S108).
  • the point granting unit 16 refers to the settlement information DB 1C, and stores the points calculated by the point calculating unit 15 in association with the workers, thereby giving points to the workers (S109).
  • the settlement processing apparatus 1 can perform a credit transaction for changing the price paid by the worker when purchasing a product, based on the scheduled salary amount related to the salary scheduled to be paid to the worker. As a result, without waiting for the payment date of salary, it is possible to purchase goods at a timing necessary for the worker, and the worker does not need to hold an account such as a bank.
  • the purchase of goods by workers in this example is not limited to those in actual stores but also on-line such as so-called EC sites, and an example of the flow of processing in that case is shown in FIG.
  • a worker accesses an online store on the EC site with a worker terminal 3 such as a personal computer, a tablet terminal or a mobile phone capable of data communication.
  • the online store on the EC site processes the transaction by the store server 2a.
  • the same processing numbers in FIG. 6 denote the same processes as those shown in FIG.
  • the online store receives this from the store server 2a (S101a).
  • the worker asks the store side to make a payment by the payment processing device 1, and stores information that can identify the worker, which is necessary for the payment by the payment processing device 1, to the store server 2a. provide.
  • the store server 2a transmits a credit inquiry to the payment processing apparatus 1 together with information that can identify a worker and information related to a payment request amount required for product purchase (S102).
  • the settlement processing apparatus 1 executes credit inquiry processing by the credit inquiry processing unit 11 (S103).
  • the result of the credit inquiry is transmitted to the store server 2a and also to the worker terminal 3 (S104). If the credit is successful, the worker transmits a settlement request to the store server 2a from the worker terminal 3, and in response to this, the store server 2a transmits the settlement request to the settlement processing device 1 (S105a). ). In transmitting this settlement request, predetermined authentication information acquired from the worker by the store server 2a is transmitted together. The authentication information is input from the worker terminal 3 by the worker and transmitted to the store server 2a together with the settlement request. As a result of the credit inquiry process, if the settlement request amount does not fit in the credit frame, an error process is executed such as notifying the worker terminal 3 through the store server 2a, and the process ends.
  • the payment processing apparatus 1 that has received the payment request from the store terminal 2 executes the payment processing by the payment processing unit 12 (S106), and when the payment processing is completed, the communication processing unit 17 notifies the store that the payment processing has been completed. In addition to being transmitted to the server 2a, it is also transmitted to the worker terminal 3 (S107a).
  • the point calculation unit 15 refers to the settlement information DB 1C, and calculates a predetermined number of points by multiplying the settlement amount by a predetermined ratio (S108).
  • the point granting unit 16 refers to the settlement information DB 1C, and stores the points calculated by the point calculating unit 15 in association with the workers, thereby giving points to the workers (S109).
  • the payment processing by the payment processing apparatus 1 according to the present embodiment can be performed at the EC site as well as the product purchase at the actual store.
  • the calculation and addition of points are not necessarily performed for each settlement, and when the price reimbursed by settlement is determined in units of one month and deducted from the worker's salary, The points may be calculated and added together at the determined timing.
  • salary payment is executed by the functional units of the payment amount calculation unit 13 and the salary payment processing unit 14. Specifically, as shown in FIG. 7, the payment amount calculation unit 13 first refers to the salary information DB 1B and the settlement information DB 1C, and specifies the scheduled salary amount and settlement amount for the worker (S111). Then, the payment amount is calculated by subtracting the settlement amount from the scheduled payment amount (S112). Thereby, the settlement amount is deducted from the salary.
  • the salary payment processing unit 14 executes a process of paying the worker the amount of salary calculated by the supply calculating unit 13 (S113). For example, if the worker has a salary payment account such as a bank account, this process specifies the salary payment account with reference to the worker information DB 1A, and then manages the salary payment account such as a bank terminal. On the other hand, it is executed by sending a payment processing request for the payment amount. The payment amount is appropriately stored in the salary information DB 1B or the like and managed as worker information.
  • the settlement processing apparatus 4 is realized by a so-called server computer or the like, and includes a CPU (Central Processing Unit), a RAM (Random Access Memory), a ROM (Read Only Memory), By using hardware resources such as a hard disk drive and software resources such as a computer program executed by the CPU, the same credit inquiry processing unit 11, settlement processing unit 12, payment amount calculation unit 13, salary payment processing unit 14, as in the first embodiment, It is composed of a functional block in which a credit calculation unit 18 is added to a point calculation unit 15, a point granting unit 16, a communication processing unit 17, a worker information DB 1A, a salary information DB 1B, and a settlement information DB 1C.
  • a credit calculation unit 18 is added to a point calculation unit 15, a point granting unit 16, a communication processing unit 17, a worker information DB 1A, a salary information DB 1B, and a settlement information DB 1C.
  • the credit limit calculation unit 18 executes a process of calculating a credit limit that can be settled by a worker when purchasing a product.
  • the credit limit in this example is an amount obtained by subtracting the settlement amount from the scheduled salary amount (hereinafter sometimes referred to as “settlement possible amount”), and the credit limit calculation unit 18 refers to the salary information DB 1B and the settlement information DB 1C. Then, by subtracting the settlement amount from the scheduled salary amount, a settlement possible amount as a credit line is calculated.
  • the credit inquiry processing unit 11 executes the credit inquiry processing using the settlement available amount calculated by the credit frame calculation unit 18 as a credit frame.
  • FIG. 9 shows a flow of processing by the settlement processing apparatus 4 according to the present embodiment.
  • the same processing numbers in FIG. 9 denote the same processes as those shown in FIG.
  • a worker applies for purchase of a product at a predetermined store, and the store accepts the purchase (S101).
  • the worker asks the store side to make a payment by the payment processing device 1, and provides the store with information that can identify the worker that is necessary for the payment by the payment processing device 1. .
  • the store terminal 2 sends a credit inquiry to the payment processing device 4 together with information that can identify the worker and information related to the payment request amount required for the product purchase (S102).
  • the payment processing apparatus 4 calculates a credit frame by the credit frame calculation unit 18 (S201). That is, the credit frame calculation unit 18 refers to the salary information DB 1B and the settlement information DB 1C, and calculates a settlement possible amount as a credit frame by subtracting the settlement amount from the scheduled salary amount.
  • the credit inquiry processing unit 11 executes a credit inquiry process (S202). That is, the credit inquiry processing unit 11 first determines whether or not a settlement request amount required for product purchase can be accommodated in the credit frame by using the settlement available amount calculated by the credit frame calculation unit 18 as a credit frame.
  • the result of the credit inquiry is transmitted to the store terminal 2 (S104), and when the credit is successful, a settlement request is transmitted from the store terminal 2 to the settlement processing apparatus 1 (S105).
  • the payment processing apparatus 1 that has received the payment request from the store terminal 2 executes the payment processing by the payment processing unit 12 (S106), and when the payment processing is completed, the communication processing unit 17 notifies the store that the payment processing has been completed. It is transmitted to the terminal 2 (S107).
  • the point calculation unit 15 refers to the settlement information DB 1C and calculates a predetermined number of points by multiplying the settlement amount by a predetermined ratio (S108).
  • the point granting unit 16 refers to the settlement information DB 1C, and stores the points calculated by the point calculating unit 15 in association with the workers, thereby giving points to the workers (S109).
  • the worker can perform a margin transaction within a range not exceeding the scheduled salary amount.
  • the process of calculating a credit frame in response to a credit inquiry from the store terminal 2 is performed.
  • the present invention is not limited to this, and the settlement possible amount as a credit frame is calculated in advance at a predetermined timing.
  • the settlement possible amount may be registered in the settlement information DB 1C, and the settlement possible amount registered in the settlement information DB 1C may be referred to during the credit inquiry process.
  • the credit frame calculation unit 18 calculates the possible payment amount obtained by subtracting the payment amount from the scheduled salary amount as a credit frame. It is also possible to calculate an amount that can be settled by multiplying a person's scheduled salary by a predetermined ratio. That is, overuse can be prevented by setting a predetermined ratio such as 60,000 yen, which is 20% of the salary of 300,000 yen, and enabling settlement within the set range. Further, an amount obtained by subtracting the settlement amount from the amount obtained by multiplying the predetermined ratio can be calculated as a settlement possible amount.
  • a part of the scheduled salary amount can be converted into settlement points at a predetermined rate, and the balance of the settlement points can be settled at a store that has negotiated the use of the settlement points. It can also be traded as an amount. According to this example, since it is possible to make transactions only at a predetermined rate, it is possible to prevent overuse.
  • the amount of salary scheduled to be paid to a worker or the amount that can be settled by subtracting the amount of settlement from the amount of salary scheduled to be paid is used as the credit line for settlement.
  • the scheduled salary as the credit line may be only the fixed amount based on the worker's past work results it can.
  • information relating to the fixed amount based on the work performance of the worker may be stored in a personnel and labor information database configured to be capable of data communication with the settlement processing apparatuses 1 and 4 and referred to, for example.
  • the personnel and labor information database is configured as a database that accumulates information related to the personnel and labor of workers, and is based on the worker's attendance information and the attendance information that are obtained at any time by a time recorder or the like configured to be capable of data communication.
  • the fixed amount of salary based on the worker's past work results calculated from the grasped working hours and the worker's salary per unit time, deductions, etc. is stored.
  • the fixed amount of the worker's salary is updated as needed according to the labor of the worker, so that payment is secured with the amount of salary determined when the worker needs to settle. Processing is possible. In this way, by using the worker's fixed salary as collateral for settlement, the worker does not need to pay the interest rate as in the case of borrowing money, and the store from the account of the company where the worker works, etc. Because the price is paid to the store, the risk that the store cannot collect the price is small.
  • the information that can be used to identify the worker can be applied to various items such as a portable terminal with an IC card or IC chip built-in. Can do.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le problème décrit par l'invention est de permettre des transactions de crédit dans lesquelles le prix à payer lorsqu'un travailleur achète un produit est prêté sur la base d'un montant de paiement de salaire attendu pour le salaire dont on s'attend à ce qu'il soit payé au travailleur. Selon la solution de l'invention, une base de données d'informations de salaire (1B), qui stocke des informations de salaire comprenant un montant de paiement de salaire attendu pour un travailleur, et une base de données d'informations de règlement (1C), qui stocke des informations de règlement comprenant un montant de règlement associé à l'achat d'un produit par le travailleur, les deux bases de données étant configurées de manière à pouvoir communiquer avec un dispositif en magasin par l'intermédiaire d'un réseau, exécutent un processus pour recevoir, en provenance du terminal en magasin (2), un solde de crédit conjointement avec des informations se rapportant à un montant de demande de règlement requis pour l'achat d'un produit. Une unité de traitement de solde de crédit (11) se reporte à la base de données d'informations de salaire (1B), exécute un traitement de solde de crédit en utilisant le montant de paiement de salaire attendu pour le travailleur comme ligne de crédit, et envoie les résultats du traitement de solde de crédit au terminal en magasin (2). Lorsqu'une demande de règlement est reçue en provenance du terminal en magasin, une unité de traitement de règlement (12) enregistre les informations de règlement dans la base de données d'informations de règlement (1C).
PCT/JP2016/058814 2015-03-19 2016-03-18 Dispositif et procédé de traitement de règlement, et programme informatique WO2016148293A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
US15/707,332 US20180174127A1 (en) 2015-03-19 2016-03-18 Settlement processing device and method, and computer program
SG11201707648VA SG11201707648VA (en) 2015-03-19 2016-03-18 Settlement processing apparatus and method, and computer program
CN201680016842.3A CN107430749A (zh) 2015-03-19 2016-03-18 结算处理装置、方法以及计算机程序

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
JP2015-056663 2015-03-19
JP2015056663 2015-03-19
JP2016055421A JP6412040B2 (ja) 2015-03-19 2016-03-18 決済処理装置、方法、及びコンピュータプログラム
JP2016-055421 2016-03-18

Publications (1)

Publication Number Publication Date
WO2016148293A1 true WO2016148293A1 (fr) 2016-09-22

Family

ID=56919927

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2016/058814 WO2016148293A1 (fr) 2015-03-19 2016-03-18 Dispositif et procédé de traitement de règlement, et programme informatique

Country Status (1)

Country Link
WO (1) WO2016148293A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020115278A (ja) * 2019-01-17 2020-07-30 株式会社メルカリ プログラム、情報処理方法、情報処理端末

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004086631A (ja) * 2002-08-27 2004-03-18 Sumitomo Mitsui Banking Corp 与信額算出方法およびその装置
JP2005063258A (ja) * 2003-08-18 2005-03-10 Hitachi Software Eng Co Ltd 電子ショップにおける商品販売方法及び給与天引きによる商品購入の可否通知方法
JP2005100260A (ja) * 2003-09-26 2005-04-14 Japan Research Institute Ltd クレジットカード会社システム

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004086631A (ja) * 2002-08-27 2004-03-18 Sumitomo Mitsui Banking Corp 与信額算出方法およびその装置
JP2005063258A (ja) * 2003-08-18 2005-03-10 Hitachi Software Eng Co Ltd 電子ショップにおける商品販売方法及び給与天引きによる商品購入の可否通知方法
JP2005100260A (ja) * 2003-09-26 2005-04-14 Japan Research Institute Ltd クレジットカード会社システム

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2020115278A (ja) * 2019-01-17 2020-07-30 株式会社メルカリ プログラム、情報処理方法、情報処理端末
JP7271197B2 (ja) 2019-01-17 2023-05-11 株式会社メルカリ プログラム、情報処理方法、情報処理端末

Similar Documents

Publication Publication Date Title
JP6412040B2 (ja) 決済処理装置、方法、及びコンピュータプログラム
AU2019200882B2 (en) System and method of registering stored-value cards into electronic wallets
KR101791470B1 (ko) 매출채권의 거래 방법
JP5882122B2 (ja) カード支払情報通知システム、カード支払情報通知方法及びカード支払情報通知プログラム
US20130024380A1 (en) Automated Submission of Prepaid Programs
US11138588B2 (en) Method, electronic transaction instruction system, sales unit, transaction server and computer program product for executing an electronic transaction instruction
KR20190041539A (ko) 전자 지갑을 통한 결제 시스템
CN110892439A (zh) 薪酬管理装置、方法以及计算机程序
JP2019050006A (ja) 給与管理装置、方法、及びコンピュータプログラム
JP2018014106A (ja) 取引記録との関連付けのための取引額の識別
JP2017117387A (ja) 決済システム
JP2020187584A (ja) 複数の支払・決済手段を用いた請求・決済システム、方法およびプログラム
JP2011159225A (ja) 与信取引システム及びその方法
JP2018022323A (ja) 情報処理装置、情報処理システム、情報処理方法、及び情報処理プログラム
CN101515351A (zh) 延期付费方法和支付系统
WO2020218169A1 (fr) Procédé et système de débit et de versement pour diverses valeurs, telles qu'une valeur de monnaie légale, d'argent électronique et autres points
JP6100930B2 (ja) 決済方法および決済システム
JP2016042235A (ja) 決済方法および決済システム
CA2912066C (fr) Systeme et methode de recharge de cartes prepayees
KR100897498B1 (ko) 유비쿼터스 환경에서의 통합형 금융 서비스 시스템
WO2016148293A1 (fr) Dispositif et procédé de traitement de règlement, et programme informatique
WO2021015217A1 (fr) Procédé et système de validation de support de règlement
KR102050643B1 (ko) 사업자 번호 및 각종 번호 인식 방식을 이용한 온/오프라인 캐쉬페이 결제 시스템 및 방법
CN112602103A (zh) 用于处理资金支出交易的方法、系统和计算机程序产品
WO2021141083A1 (fr) Dispositif de gestion de prépaiement de paye, procédé de gestion de prépaiement de paye et programme

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 16765122

Country of ref document: EP

Kind code of ref document: A1

WWE Wipo information: entry into national phase

Ref document number: 15707332

Country of ref document: US

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 16765122

Country of ref document: EP

Kind code of ref document: A1