WO2017169551A1 - Système de coordination de paiement de rémunération et procédé de coordination de paiement de rémunération - Google Patents

Système de coordination de paiement de rémunération et procédé de coordination de paiement de rémunération Download PDF

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Publication number
WO2017169551A1
WO2017169551A1 PCT/JP2017/008896 JP2017008896W WO2017169551A1 WO 2017169551 A1 WO2017169551 A1 WO 2017169551A1 JP 2017008896 W JP2017008896 W JP 2017008896W WO 2017169551 A1 WO2017169551 A1 WO 2017169551A1
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request
settlement
predetermined
withdrawal
salary
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PCT/JP2017/008896
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English (en)
Japanese (ja)
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鈴木　俊貴
直敏 白江
哲夫 的場
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株式会社日立製作所
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Publication of WO2017169551A1 publication Critical patent/WO2017169551A1/fr

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    • 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

Definitions

  • the present invention relates to a salary settlement linkage system and a salary settlement linkage method, and more specifically, a payment or exchange service using salary as a source regardless of whether or not the service user has a bank account for the service. It relates to technologies that can be widely provided.
  • pre-salary borrowing system in which funds are accommodated before the salary payment date, using the salary of the worker as a source, in order to meet the labor demand of the worker.
  • a money payment system in a banking system for an employer to issue an internal loan to a worker the data on the date of funding from the worker , Means for inputting labor data of the worker, and bank processing means for accessing the account and executing a withdrawal process or a transfer process, wherein the fund issuance to the worker's account
  • An internal loan fund transfer process of an arbitrary amount within the range of the worker salary according to the labor data is executed on a daily basis, and an amount equivalent to the internal loan fund is applied to the employer's account of the worker
  • Patent Document 1 in a bank system characterized by having a processing means for executing a withdrawal process.
  • each worker needs to have a bank account designated by the employer or financial institution providing the service.
  • a bank account designated by the employer or financial institution providing the service.
  • employers such as companies that have introduced the service can enjoy it.
  • an object of the present invention is to provide a technology that can provide a wide range of payment and exchange services using salary as a source regardless of whether or not the service recipient has a bank account for the service.
  • the salary settlement cooperation system of the present invention that solves the above problem is based on a communication device that communicates with another device via a network and money paid to the member on a predetermined date, and the member determines the predetermined percentage of the money.
  • a storage device storing a table defining an information processing device that manages the payment status of the money to each member in the organization of each organization that is allowed to be used before the due date, and a product transmitted from the store terminal ⁇
  • Receiving a payment request for a service fee or a withdrawal request transmitted from a predetermined device and based on the information of the affiliated organization of the member indicated by the settlement request or withdrawal request,
  • the result of the credit request indicates that settlement or withdrawal is possible, the bank of the organization corresponding to the settlement request or withdrawal request is sent to a predetermined exchange processing system.
  • an arithmetic unit that
  • the salary settlement linkage method of the present invention is based on a communication device that communicates with another device via a network and money paid to the member on a predetermined date, and the member assigns a predetermined percentage of the money before the date.
  • An information processing system comprising: a storage device that stores a table that defines an information processing device that manages the payment status of the money to each member in the organization of each organization that is allowed to be used.
  • Receiving a payment request for goods / service charges transmitted from or a withdrawal request transmitted from a predetermined device, and in the table based on information of the organization to which the member belongs indicated by the settlement request or withdrawal request Processing for identifying the information processing device that manages the payment status of the money in the affiliated organization, and processing amount indicated by the settlement request or withdrawal request for the information processing device.
  • the predetermined exchange processing system is configured to respond to the settlement request or the withdrawal request. And a process of notifying a request for transferring funds from the bank account of the organization to the store or the settlement account of the predetermined device.
  • FIG. 1 is a network configuration diagram including a salary settlement linkage system 100 of the present embodiment.
  • the salary settlement linkage system 100 shown in FIG. 1 is a computer system that can provide a wide range of settlement and exchange services using salary as a source regardless of whether or not the service recipient has a bank account for the service.
  • an employee working for a certain company can make payments at the time of shopping or using services, withdrawals at ATMs, or transfers to his / her bank account, up to a predetermined percentage of his monthly remuneration. Assuming that the necessary funds for various transactions are borrowed in advance. Of course, the company in this case allows such advance borrowing.
  • the amount of funds that can be borrowed in advance is based on the amount corresponding to the number of days the employee actually worked (eg 50% of the monthly remuneration if working 10 days a month). In this amount, the amount is a predetermined amount (eg, 80%). In practice, however, the company deposits deposits that are pooled in advance in a predetermined bank account.
  • the explanation will be made on the assumption that the employee receives a fixed monthly remuneration.
  • the payment date is determined in advance for the money handled for the advance payment in the salary settlement linkage system 100. It is not limited as long as it is. For example, compensation based on actual working hours paid to part-time workers, public pensions paid to pensioners, and the like can also be targeted.
  • the salary settlement linkage system 100 in this embodiment is connected to the store terminal 200, ATM 300, user terminal 400, attendance management system 500, bank system 600, and exchange processing system 700 via the network 10 such as the Internet so as to be communicable. ing.
  • the store terminal 200 can be assumed to be a cash register terminal provided in a store where the above-mentioned employees shop and use services.
  • the staff of the store operates the store terminal 200 in the procedure for the settlement of the product price for shopping and the service usage fee by the employee.
  • the ATM 300 is a general ATM installed at a financial institution or a convenience store.
  • the user terminal 400 is a terminal operated by the above-mentioned employee. Specifically, a PC, a tablet terminal, or a smartphone owned by an employee is assumed.
  • the attendance management system 500 is a system provided by the above-mentioned company itself or by a predetermined contractor who performs the attendance management work of each company.
  • the attendance management system 500 uses the attendance management table 525 to store information such as the working days and working hours of each employee in the company based on attendance / leaving time information from a time recorder or the like, a predetermined monthly remuneration, and a salary balance. to manage.
  • the salary balance information is the initial value of the amount corresponding to the number of working days of the employee in the monthly remuneration (eg, 50% of the monthly remuneration if 10 days of the month have been worked) Every time the above-mentioned borrowing is performed, the initial borrowing amount is subtracted from the initial value and updated.
  • the bank system 600 is a bank system that deposits the above deposit with a predetermined account in association with the company.
  • the bank system 600 an account system in a financial institution is assumed.
  • the exchange processing system 700 draws the amount corresponding to the above-mentioned payment settlement or withdrawal from the account where the deposit of the above-mentioned company is deposited, and the settlement account of the store, the management company of the ATM 300 This is a system that realizes the transfer of funds by making a transfer to the settlement account and the bank account of the employee.
  • the exchange processing system 700 is permitted in advance by the financial institution managing the account of the company and the deposit money to execute each of the above-described fund transfer processes involving withdrawals and transfers.
  • FIG. 2 is a diagram illustrating a hardware configuration example of the salary settlement cooperation system 100 according to the present embodiment.
  • the salary settlement linkage system 100 is stored in a storage device 101 composed of an appropriate nonvolatile storage element such as an SSD (Solid State Drive) or a hard disk drive, a memory 103 composed of a volatile storage element such as a RAM, and the storage device 101.
  • the program 102 is executed by reading out the program 102 to the memory 103 and performing overall control of the apparatus itself, and various communication processes such as a CPU for performing various determinations, calculations, and control processes are connected to the network 10 and communication processing with other apparatuses.
  • a communication device 105 is provided.
  • the storage device 101 stores at least a distribution destination management table 125 in addition to the program 102 for implementing functions necessary for the salary settlement linkage system of the present embodiment. However, details of the distribution destination management table 125 will be described later.
  • FIG. 3 is a diagram illustrating a hardware configuration example of the attendance management system 500 of the present embodiment. Further, the hardware configuration of the attendance management system 500 of the present embodiment is as follows.
  • the attendance management system 500 includes a storage device 501 composed of appropriate nonvolatile storage elements such as SSD (Solid State Drive) and a hard disk drive, a memory 503 composed of volatile storage elements such as RAM, and a storage device 501.
  • the stored program 502 is executed by reading the program 502 into the memory 503 to perform overall control of the device itself, and perform various determinations, computations, and control processing, such as a CPU, and the network 10 to communicate with other devices.
  • the storage device 501 stores at least a time management table 525 in addition to a program 502 for implementing functions necessary for the time management system of the present embodiment. However, details of the attendance management table 525 will be described later.
  • FIG. 4 shows an example of the distribution destination management table 125 in this embodiment.
  • the distribution destination management table 125 is based on the monthly remuneration to be paid to the employee on the monthly salary, and each company in the company allows the employee to use a predetermined percentage of the monthly remuneration before the salary day. It is the table which prescribed
  • the data structure is a collection of records in which data such as the ID of the attendance management system 500 performing the attendance management work of the company and data such as an address on the network are associated with the company ID uniquely identifying each company. It is.
  • the ID of the time management system and its address in the time management table 525 are the ID assigned to the time management system by the company and the address in the internal network. Can be assumed.
  • the ID of the attendance management system and its address in the attendance management table 525 are the ID assigned to the attendance management system by the agent and an external network such as the Internet. Address can be assumed.
  • FIG. 5 shows a configuration example of the attendance management table 525 in the present embodiment.
  • the attendance management table 525 is a table held by the attendance management system 500, and is a table that accumulates attendance information of each employee in a management target company.
  • the data structure is based on the employee number that uniquely identifies each employee as a key, the working hours of the current month, the number of working days in the current month, the monthly salary, and the current salary balance. Is a collection of records in which data such as are associated. The concept of salary balance has already been described.
  • FIG. 6 is a diagram showing a flow example 1 of the salary settlement linkage method in the present embodiment.
  • a description will be given of a flow in the case where the above-mentioned employee purchases a product at a store, and the payment is borrowed in advance from his / her salary balance.
  • the store staff performs a normal register operation such as reading a barcode printed on the product package at the store terminal 200 which is a register terminal.
  • the store staff also performs, for example, an operation for inputting the company ID and employee number of the employee ID card presented by the employee.
  • the store staff may read the company ID and employee number related to the employee from a recording medium such as an IC chip or a magnetic code provided on the employee ID card by a reader device provided in the store terminal 200.
  • the store terminal 200 acquires information on the price of the product purchased by the employee, the company ID of the company to which the employee belongs, and the employee number.
  • the store terminal 200 transmits a settlement request including such information to the salary settlement cooperation system 100.
  • the above settlement request can be assumed to be transmitted from the store terminal 200 to the salary settlement cooperation system 100 via a system of a credit card company that is a payment agent.
  • the store terminal 200 is a web server of a net shop.
  • the store staff does not need to input the information on the product purchased by the employee, the company ID of the company to which the employee belongs, and the employee number. This is because when the user terminal 400 logs in to the web server, information regarding the employee is automatically specified on the store terminal 200 side.
  • the information on the product price of the product purchased by the employee at the net shop can be automatically acquired by the store terminal 200 as a web server by the purchase operation by the employee.
  • the salary settlement cooperation system 100 receives the settlement request from the store terminal 200 described above (s100).
  • the salary settlement cooperation system 100 is based on the company ID of the company that belongs to the employee indicated by the settlement request, and the attendance management system that is responsible for attendance management work in the company in the distribution destination management table 125. 500 and its network address are specified (s101).
  • the attendance management system 500 can be operated either by the company itself or by an agent commissioned by the company.
  • the salary settlement cooperation system 100 specifies the attendance management system 500 that is responsible for attendance management work of the company in the distribution destination management table 125.
  • the salary settlement linkage system 100 sends a credit request to the network address of the attendance management system 500 specified in s101 to determine whether the amount of the commodity price indicated by the settlement request can be settled by the employee's advance salary. Transmit (s102).
  • This credit request includes information on the employee number, the company ID, and the amount of the commodity price of the employee.
  • the attendance management system 500 that has received the credit request reads the value of the salary balance in the attendance management table 525 held in the storage device 501 using the company ID and the employee number as a key (s103).
  • the attendance management system 500 that has acquired the information on the salary balance of the employee here performs credit processing (primary processing) under the condition that the amount of the commodity price indicated by the settlement request is 80% or less of the salary balance or less. ) Is performed (s104).
  • the attendance management system 500 returns the credit result corresponding to the result of s104 described above to the salary settlement cooperation system 100 (s105). If the product price does not satisfy the condition that the salary balance is equal to or less than a predetermined percentage of the salary balance, the credit result is “cannot be settled”. When the amount of the commodity price satisfies the condition that it is equal to or less than a predetermined ratio of the salary balance, the credit result is “settlement possible”.
  • the attendance management system 500 updates the employee salary balance in the attendance management table 525 by the amount of the commodity price when the credit result is “settlement is possible”. Shall be performed.
  • the salary settlement linkage system 100 receives the credit result from the attendance management system 500 (s106). If the received credit result (primary) indicates that payment is possible (s107: y), the salary settlement linkage system 100 sends the deposit account to the bank system 600 that deposits the deposit of the company. Is inquired (s108).
  • the salary settlement cooperation system 100 performs credit processing (secondary) in response to the above-described inquiry (s109).
  • the salary settlement cooperation system 100 satisfies the condition that the deposit balance is equal to or greater than a predetermined standard (eg, the minimum deposit amount is equal to or greater than the minimum deposit amount) when the deposit amount of the company is applied to the amount of the commodity price. It shall be judged.
  • This fund transfer request is a request for funds transfer from the deposit account of the company to the payment account of the credit card company that is the store or the payment agent.
  • the currency exchange processing system 700 with respect to the bank system 600 that manages the deposit account, the account processing for extracting the amount of the above-mentioned merchandise price from the deposit account, and the amount withdrawn to the store or settlement agency
  • the account processing to be transferred to the settlement account of the credit card company that is a trader is requested.
  • the settlement of the merchandise price is completed using the deposit money secured by the employee's salary balance as a source.
  • the inquiry process of s108 is performed by the salary settlement cooperation system 100 after s107, but it may be executed by the attendance management system 500 after s103.
  • the attendance management system 500 performs credit processing collectively in s104. That is, the primary and secondary credits are executed together.
  • FIG. 7 is a diagram showing a flow example 2 of the salary settlement linkage method in the present embodiment.
  • the flow in the case of borrowing the amount from its own salary balance will be described.
  • the employee performs an operation for designating that a predetermined amount of money is to be withdrawn based on a pre-payment on a predetermined menu screen in the ATM 300.
  • the employee also performs an input operation of the company ID and employee number of the company to which the employee belongs.
  • this employee may bring the employee ID closer to the reader device provided in the ATM 300 and read the company ID and employee number related to the employee from the recording medium such as an IC chip or magnetic code provided in the employee ID. .
  • the ATM 300 acquires each information of the withdrawal amount desired by the employee, the company ID of the company to which the employee belongs, and the employee number.
  • the ATM 300 transmits a withdrawal request including such information to the salary settlement cooperation system 100.
  • the salary settlement linkage system 100 receives the withdrawal request from the ATM 300 (s200).
  • the salary settlement linkage system 100 uses the assignment management table 125 to manage the attendance work for the company.
  • the system 500 and its network address are specified (s201).
  • the attendance management system 500 can be operated either by the company itself or by an agent commissioned by the company.
  • the salary settlement cooperation system 100 specifies the attendance management system 500 that is responsible for attendance management work of the company in the distribution destination management table 125.
  • the salary settlement linkage system 100 sends a credit request to the network address of the attendance management system 500 specified in s201 in order to determine whether or not the amount indicated by the withdrawal request can be withdrawn by paying the employee in advance.
  • the credit request includes information on the employee number, company ID, and withdrawal amount of the employee.
  • the attendance management system 500 that has received the credit request reads the value of the salary balance in the attendance management table 525 held in the storage device 501 using the company ID and the employee number as a key (s203).
  • the attendance management system 500 that acquired the information on the salary balance of the employee performs credit processing (primary) under the condition that the withdrawal amount indicated by the withdrawal request is 80% or less of the salary balance or less. (S204).
  • the attendance management system 500 returns the credit result corresponding to the result of s204 described above to the salary settlement cooperation system 100 (s205). If the withdrawal amount does not satisfy the condition that the salary balance is equal to or less than the predetermined ratio, the credit result is “no withdrawal”. If the withdrawal amount satisfies the condition that the salary balance is equal to or less than a predetermined percentage of the salary balance, the credit result is “withdrawal permitted”.
  • the attendance management system 500 performs an update process to reduce the salary balance value of the employee in the attendance management table 525 by the above-mentioned withdrawal amount when the above-described credit result is “withdrawal is possible”. Assumed to be performed.
  • the salary settlement linkage system 100 receives the credit result from the attendance management system 500 (s206). Further, when the received credit result (primary) indicates that the withdrawal is possible (s207: y), the salary settlement linkage system 100 sends the deposit to the bank system 600 that deposits the deposit of the company. The balance of the account is inquired (s208).
  • the salary settlement linkage system 100 performs credit processing (secondary) in response to the above inquiry (s209).
  • the salary settlement cooperation system 100 determines whether the deposit balance is equal to or greater than a predetermined standard (eg, the minimum deposit amount is equal to or greater than the minimum deposit amount) when the deposit amount of the company is applied to the withdrawal amount. It shall be judged.
  • the salary settlement cooperation system 100 advances the processing to s211.
  • This fund transfer request is a request for transferring funds for the above-mentioned withdrawal amount from the deposit account of the company to the settlement account of the ATM 300 operating company.
  • the currency exchange processing system 700 with respect to the bank system 600 that manages the deposit account, the account processing for withdrawing the above-mentioned withdrawal amount from the deposit account, and the withdrawal amount to the settlement of the operating company of the ATM 300 Will be requested for the account processing to be transferred to the business account.
  • the withdrawal process at the ATM 300 is completed using the deposit deposited with the employee's salary balance as collateral.
  • the inquiry processing of s208 is performed by the salary settlement cooperation system 100 after s207, but may be executed by the attendance management system 500 after s203.
  • the attendance management system 500 performs credit processing collectively in s204. That is, the primary and secondary credits are executed together.
  • the above withdrawal request may be transmitted from the user terminal 400 to the salary settlement cooperation system 100 instead of from the ATM 300.
  • the transfer to the bank account of the employee concerned is regarded as the withdrawal, not the cash withdrawal at ATM300.
  • the funds transfer request that the salary settlement cooperation system 100 notifies the exchange processing system 700 in s211 is a request for transferring funds for the above-mentioned withdrawal amount from the deposit account of the company to the bank account of the employee. Become.
  • the currency exchange processing system 700 for the bank system 600 that manages the deposit account, the account processing for withdrawing the above-mentioned withdrawal amount from the deposit account, and the withdrawal amount to the bank account of the employee
  • the account processing to be transferred to each will be requested.
  • the withdrawal process to the bank account of the employee is completed using the deposit with the salary balance of the employee as collateral.
  • FIG. 8 is a diagram showing a flow example 3 of the salary settlement cooperation method in the present embodiment.
  • the flow in the case where the above-mentioned employee performs merchandise price settlement processing as an example out of the settlement of merchandise price and withdrawal at ATM 300 by points will be described.
  • the salary settlement linkage system 100 uses the distribution management table 125 as a distribution destination management table 125 based on the monthly remuneration that the company pays to the employee on a predetermined date, and calculates the predetermined percentage of points corresponding to the monthly remuneration by the employee before the salary date.
  • a table that defines a time management system for managing the payment status of monthly compensation to each employee of each company that is allowed to be used shall be stored.
  • the store staff performs a normal registering operation such as reading a barcode printed on the product package at the store terminal 200 which is a register terminal.
  • the store staff also performs, for example, an operation for inputting the company ID and employee number of the employee ID card presented by the employee.
  • the store staff may read the company ID and employee number related to the employee from a recording medium such as an IC chip or a magnetic code provided on the employee ID card by a reader device provided in the store terminal 200.
  • the store terminal 200 acquires information on the price of the product purchased by the employee, the company ID of the company to which the employee belongs, and the employee number.
  • the store terminal 200 transmits a point settlement request including such information to the salary settlement cooperation system 100.
  • the case where the above point settlement request is transmitted from the store terminal 200 to the salary settlement cooperation system 100 via a system of a credit card company that is a payment agent can be assumed.
  • the salary settlement cooperation system 100 receives the point settlement request from the store terminal 200 (s300).
  • the salary settlement linkage system 100 uses the assignment management table 125 to manage the attendance work for the company.
  • the system 500 and its network address are specified (s301).
  • the attendance management system 500 can be operated either by the company itself or by an agent commissioned by the company.
  • the salary settlement cooperation system 100 specifies the attendance management system 500 that is responsible for attendance management work of the company in the distribution destination management table 125.
  • the salary settlement linkage system 100 sends the point number corresponding to the amount of the commodity price indicated by the settlement request to the network address of the attendance management system 500 specified in s301 by the point corresponding to the salary balance of the employee.
  • a credit request is transmitted (s302). This credit request includes information on the number of points corresponding to the employee number, company ID, and product price of the employee.
  • the attendance management system 500 that has received the credit request uses the attendance management table 525 held in the storage device 501 to obtain a point value corresponding to the salary balance, that is, the salary point balance using the company ID and employee number as a key. Read (s303).
  • the attendance management system 500 that has acquired the information on the salary point balance of the employee has a predetermined number such as 80% or less of the salary point balance of the employee according to the amount of the commodity price indicated by the settlement request. Credit processing (primary) is performed under the condition of the ratio or less (s304).
  • the attendance management system 500 returns the credit result corresponding to the result of s304 described above to the salary settlement cooperation system 100 (s305). If the number of points according to the amount of the merchandise item does not satisfy the condition that the salary point balance is equal to or less than a predetermined ratio, the credit result is “impossible to settle”. If the number of points according to the amount of the merchandise item satisfies the condition that it is equal to or less than a predetermined percentage of the salary point balance, the credit result is “acceptable”.
  • the attendance management system 500 when the above-mentioned credit result is “settlement is possible”, sets the salary point balance value of the employee in the attendance management table 525 as the number of points corresponding to the amount of the above-mentioned commodity price. It is assumed that the update process is reduced by a minute.
  • the salary settlement linkage system 100 receives the credit result from the attendance management system 500 (s306). Further, when the received credit result indicates that payment is possible (s307: y), the salary settlement linkage system 100 gives the balance of the deposit account to the bank system 600 that deposits the deposit of the company. An inquiry is made (s308).
  • the salary settlement cooperation system 100 performs credit processing (secondary) in response to the above inquiry (s309).
  • the salary settlement linkage system 100 converts the number of points according to the amount of the product price into a monetary value (eg, converted as 1 yen / point), and applies the balance of the company's deposit, It shall be determined whether or not the deposit balance satisfies a condition that the balance is not less than a predetermined standard (eg, not less than the minimum deposit amount).
  • This fund transfer request is a request for funds transfer from the deposit account of the company to the payment account of the credit card company that is the store or the payment agent.
  • the currency exchange processing system 700 with respect to the bank system 600 that manages the deposit account, the account processing for extracting the amount of the above-mentioned merchandise price from the deposit account, and the amount withdrawn to the store or settlement agency
  • the account processing to be transferred to the settlement account of the credit card company that is a trader is requested.
  • the settlement of the merchandise price is completed using the deposit money secured by the employee's salary balance as a source.
  • the inquiry process of s308 is performed in the salary settlement cooperation system 100 after s307, but may be executed by the attendance management system 500 after s303.
  • the attendance management system 500 performs credit processing collectively in s304. That is, the primary and secondary credits are executed together.
  • the computing device transmits information including information on the member and the processing amount as the credit request, and the result of the credit request indicates that the processing amount is Less than a predetermined percentage of the payment amount of money determined at the present time of the member, and the deposit balance when the organization deposits the deposit deposited in the bank account in preparation for the fund transfer to the processing amount is predetermined If it is above the standard and indicates settlement or withdrawal, the funds transfer request may be notified to a predetermined exchange processing system.
  • a company employee uses the amount corresponding to the number of working days out of the monthly salary as a source, and a predetermined percentage of the source is used prior to the day of the salary (such as payment for goods and cash).
  • a predetermined percentage of the source is used prior to the day of the salary (such as payment for goods and cash
  • the credit standard which is based on the rule that the amount of deposit is possible and the processing amount is equal to or less than the predetermined percentage of the deposits accumulated by the company It becomes possible.
  • this credit result was only related to whether or not the employee can make a pre-pay loan, but in this embodiment, the employee's credit result related to payment for goods and services at the store. Can also be. That is, it is possible to provide a wide range of payment and exchange services using salary as a source regardless of whether the service recipient has a bank account for the service.
  • the storage device as the table, based on the money paid to the member on a predetermined date, the predetermined percentage of the points corresponding to the money by the member before the date Stores a table defining an information processing device that manages the payment status of the money to each member in the organization of each organization that is allowed to be used, and the arithmetic device stores the information processing device.
  • the arithmetic device stores the information processing device.
  • the settlement request or withdrawal is sent to a predetermined exchange processing system.
  • notification of the request for the transfer of the money in an amount corresponding to the number of points may be executed.
  • the information processing system transmits information including information on the member and the processing amount as the credit request, and the result of the credit request indicates that the processing amount is Less than a predetermined percentage of the payment amount of money determined at the present time of the member, and the deposit balance when the organization deposits the deposit deposited in the bank account in preparation for the fund transfer to the processing amount is predetermined If it is above the standard and indicates settlement or withdrawal, the funds transfer request may be notified to a predetermined exchange processing system.
  • the information processing system as the table, in the storage device, based on money paid to the member on a predetermined date, the member selects a predetermined point corresponding to the money.
  • a settlement request by a point of goods / service price transmitted from the store terminal, or a withdrawal request according to a predetermined point transmitted from a predetermined device and at the time of processing to transmit the credit request,
  • a credit request regarding the number of points corresponding to the processing amount indicated by the settlement request or withdrawal request is transmitted to the identified information processing apparatus.
  • the settlement request or withdrawal request is sent to a predetermined exchange processing system.
  • Network 100 Salary Settlement Cooperation System 101 Storage Device 102 Program 103 Memory 104 Arithmetic Device 105 Communication Device 125 Sorting Destination Management Table 200 Store Terminal 300 ATM 400 User terminal 500 Time management system 501 Storage device 502 Program 503 Memory 504 Computing device 505 Communication device 525 Time management table 600 Bank system 700 Currency exchange processing system

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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Le problème à résoudre dans le cadre de la présente invention consiste à permettre la fourniture d'une large gamme de services de règlement et d'échange sur la base de rémunérations en tant que ressources financières sans se soucier du fait que des destinataires de service ont, ou non, un compte bancaire pour les services. La solution consiste en un système de coordination de paiement de rémunération (100) qui est configuré avec l'inclusion d'un dispositif arithmétique (104) pour exécuter : un traitement par lequel un dispositif de traitement d'informations gérant des états de paiement monétaire d'une organisation appropriée est identifié sur la base d'une demande de règlement transmise à partir d'un terminal de magasin (200) ou sur la base d'informations concernant l'organisation à laquelle appartient une personne indiquée par une demande de décaissement transmise à partir d'un guichet automatique bancaire (ATM pour Automated Teller Machine) (300), et une demande de crédit est transmise au dispositif de traitement d'informations ; et un traitement par lequel, lorsqu'un résultat de réponse à la demande de crédit indique que le règlement, ou le décaissement, est autorisé, une notification de la demande est envoyée à un système de traitement d'échange prédéterminé (700) pour transférer les fonds d'un compte bancaire de l'organisation à un compte de règlement du magasin ou du guichet ATM à la suite de la demande de règlement ou de la demande de décaissement.
PCT/JP2017/008896 2016-03-28 2017-03-07 Système de coordination de paiement de rémunération et procédé de coordination de paiement de rémunération WO2017169551A1 (fr)

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JP6628378B1 (ja) * 2019-02-14 2020-01-08 明久 塩田 派遣労働マッチングシステム
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