WO2021141083A1 - Pay prepayment management device, pay prepayment management method, and program - Google Patents

Pay prepayment management device, pay prepayment management method, and program Download PDF

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Publication number
WO2021141083A1
WO2021141083A1 PCT/JP2021/000361 JP2021000361W WO2021141083A1 WO 2021141083 A1 WO2021141083 A1 WO 2021141083A1 JP 2021000361 W JP2021000361 W JP 2021000361W WO 2021141083 A1 WO2021141083 A1 WO 2021141083A1
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WO
WIPO (PCT)
Prior art keywords
prepayment
prepaid
worker
payment processing
salary
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PCT/JP2021/000361
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French (fr)
Japanese (ja)
Inventor
敦士 小口
佐々木　裕
宏太郎 柏井
Original Assignee
株式会社ｅｎｉｇｍａ
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Application filed by 株式会社ｅｎｉｇｍａ filed Critical 株式会社ｅｎｉｇｍａ
Priority to JP2021570084A priority Critical patent/JPWO2021141083A1/ja
Publication of WO2021141083A1 publication Critical patent/WO2021141083A1/en

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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
    • G06Q20/08—Payment architectures
    • 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

Definitions

  • the present invention relates to a salary prepayment management device for realizing a salary prepayment service in which a worker receives a salary for labor already provided in prepayment.
  • the company calculates the monthly salary of each worker and asks the bank to transfer the salary, and based on this, the computer system of the bank makes each work on a specific salary day. It is done by transferring a predetermined amount of money to a person's account.
  • an object of the present invention is to provide a salary prepayment management device capable of quickly and easily receiving a salary for labor already provided by a worker.
  • the salary prepayment management device acquires the prepayment request receiving unit that receives the prepayment request for salary to the worker and the attendance information of the worker from the terminal managed by the worker who provides the labor.
  • the attendance information acquisition department, the prepaid admissibility judgment department that determines whether or not the salary can be paid in advance to the worker based on the attendance information, and the prepaid salary to the worker when it is judged that the prepaid is possible. It is characterized in that it is provided with a payment processing execution unit that executes the payment processing of.
  • the salary prepayment management device includes a prepayment request receiving unit that receives a prepayment request for salary to the worker from a terminal managed by a worker who provides labor, and attendance information of the worker.
  • the attendance information acquisition department to acquire the information
  • the prepaid admissibility judgment unit that determines whether or not the salary can be paid in advance to the worker based on the attendance information
  • the prepaid admissibility judgment department to determine whether or not the salary can be paid in advance to the worker. It is characterized by having a payment processing application unit that applies for payment processing of prepaid salary to a payment processing device.
  • the salary prepayment management device includes a prepayment request receiving unit that receives a prepayment request for salary to the worker from a terminal managed by a worker who provides labor, and attendance information of the worker.
  • Attendance information acquisition unit to acquire the above
  • a prepaid admissibility determination unit that determines whether or not the prepaid salary to the worker is possible based on the attendance information
  • a payment process that executes the payment process of the prepaid salary to the worker.
  • the execution unit the payment processing application unit that applies the payment processing of the prepaid salary to the worker to the payment processing device, the execution of the payment processing by the payment processing execution unit when it is determined that the prepaid payment is possible, and
  • the payment processing application unit is provided with a processing method selection unit for selecting which of the applications to the payment processing apparatus is to be performed.
  • the program for operating the computer as each part of the above-mentioned payroll prepayment management device also belongs to the technical scope of the present invention.
  • the salary prepayment management method acquires a prepayment request acceptance step for receiving a salary prepayment request to the worker and attendance information of the worker from a terminal managed by the worker who provides the labor.
  • Attendance information acquisition step to be performed a prepayment availability determination step for determining whether or not to prepay the salary to the worker based on the attendance information, and a prepayment salary to the worker when it is determined that prepayment is possible. It is characterized by having a payment processing execution step for executing the payment processing of.
  • a salary prepayment management device capable of quickly and easily receiving a salary for labor already provided by a worker.
  • the salary prepayment system shown in FIG. 1 it is a sequence diagram which shows the procedure of the salary payment processing to a worker.
  • the schematic structure of the payroll prepayment system which concerns on the 2nd Embodiment of this invention It is a sequence diagram which shows the procedure of the payment processing of the salary to a worker in the salary prepayment system shown in FIG.
  • FIG. 1 is a block diagram showing a schematic configuration of a payroll prepayment system 100 according to the first embodiment.
  • the salary prepayment system 100 is a system for managing salary payments to workers who provide labor to a company, and in particular, enables a salary prepayment service in which workers receive salaries for labor already provided in advance.
  • the salary referred to here includes salary based on the employment contract between the company and the worker, remuneration based on the business consignment contract between the company and the worker, and the like.
  • another company which is a third party, employs a worker, or when the other company manages the labor of the worker (attendance information, labor consideration information, etc.)
  • the worker works for the company. It also includes the payment of labor costs from one company to another, which is caused by the provision.
  • salary is related to the consideration generated by workers providing labor to a company, and for convenience, it is limited to the "salary" strictly paid by the company just by using the term salary. It is not something that is done.
  • prepayment here means that the company sets a payment date (for example, the end of the month ⁇ the end of the month in the contract conditions for payment at the end of the next month) in advance, and the worker has already provided it to the company before the payment date. It refers to the payment for the labor done.
  • prepayment refers to payment for labor that a worker has already provided to the company before the payday, which is a specific date preset by the company.
  • the payroll prepayment system 100 includes an attendance management device 10, a payroll prepayment management device 20, and a user terminal 30.
  • the attendance management device 10 and the user terminal 30 are communicably connected to the payroll prepayment management device 20 via a communication network such as the Internet.
  • a communication network such as the Internet.
  • FIG. 1 the illustration of a financial institution system such as a bank that receives a transfer request from a company and transfers salary to a worker's account is omitted.
  • the attendance management device 10 is a computer for managing the attendance information of the worker who provides the labor, and in the present embodiment, the company where the worker provides the labor (hereinafter, also referred to as “working company”)
  • the attendance management device 10 is managed.
  • company is not limited to legal persons (stock companies, limited liability companies, partnerships and limited partnerships), but also legal persons such as incorporated associations and foundations, as well as unions, academic societies, etc. It is a concept that includes groups and individuals who do not have legal personality.
  • a company that builds a salary prepayment system 100 and provides the above-mentioned salary prepayment service is also referred to as a "prepayment service provider".
  • the term "worker” as used herein means a worker who receives a prepaid salary service.
  • the attendance management device 10 includes an attendance information processing unit 11 and a deposit processing unit 12 as functional blocks. These functional blocks are realized, for example, by a CPU (not shown) of the attendance management device 10 reading a predetermined program into a memory and executing the program.
  • the attendance information processing unit 11 processes the attendance information (for example, employee ID, salary amount, working hours, etc.) of the workers who worked in the company in cooperation with the attendance management device such as a time recorder.
  • the attendance information processing unit 11 immediately adds the attendance information by adding the information on the working hours of the day to the attendance information. Update.
  • the attendance information processing unit 11 transmits the attendance information of the worker to the payroll prepayment management device 20 in response to the request for acquisition of the attendance information from the payroll prepayment management device 20.
  • the attendance information is processed based on the basic information of the worker, and the basic information of the worker is stored in the worker information storage unit (not shown).
  • the basic information of the worker referred to here includes, for example, name, address, department, job title, salary amount, non-salary payment information, salary account information, etc., and is linked to the employee ID.
  • the deposit processing unit 12 performs deposit processing and withdrawal processing to the salary payment account of the working company.
  • the deposit processing unit 12 receives the withdrawal instruction from the salary prepayment management device 20, which will be described later, so that the amount specified in the withdrawal instruction is deposited from the salary payment account to the account of the prepayment service provider.
  • the payroll account of the working company and the account of the prepaid service provider may be a bank account or another financial-related account, and any financial asset such as cash or electronic money. May be dealt with.
  • the payroll prepayment management device 20 is a computer managed by a prepayment service provider.
  • the salary prepayment management device 20 mainly determines whether or not the prepayment of salary to the worker is possible based on the attendance information managed by the attendance management device 10, and when it is determined that the prepayment is possible, the worker uses it. It has a function to send authentication information to a person terminal. The specific function of the payroll prepayment management device 20 will be described later.
  • the user terminal 30 is a computer that is a terminal managed by a worker, and in the present embodiment, it is a smartphone, a tablet device, or the like. As shown in FIG. 1, the user terminal 30 includes a prepaid request transmission unit 31 and a payee designation unit 32 as functional blocks. These functional blocks are realized by the CPU (not shown) of the user terminal 30 reading a program for receiving the payroll prepaid service into the memory and executing the program. Further, the user terminal 30 is provided with an input device such as a touch panel and a display screen such as a liquid crystal display as a hardware configuration.
  • the prepayment request transmission unit 31 transmits a salary prepayment request to the salary prepayment management device 20 in response to an operation on an input device (not shown) of the user terminal 30.
  • an authentication screen for entering a predetermined ID and password is displayed, and after authentication, the date of labor provision, the desired amount of prepayment, etc. can be input.
  • the form screen is displayed.
  • the worker inputs a predetermined item on the form screen and then gives a transmission instruction, so that the prepayment request is transmitted to the salary prepayment management device 20.
  • personal authentication is performed using a predetermined ID and password, but the present invention is not limited to this, and a more secure environment may be set as long as personal authentication is possible.
  • 3D Secure is adopted. Or you may add a biometric authentication function.
  • the payee designation unit 32 is a functional block for designating the payee of the prepaid salary.
  • the worker has a plurality of asset holding means such as a credit card, a debit card, a prepaid card, a virtual prepaid card, an electronic money account, and a point account in addition to a bank account.
  • a credit card is a card that enables postpaid payment based on credit.
  • a debit card is a card that is linked to a deposit account and enables immediate payment from the deposit account.
  • a prepaid card is a card that has been pre-paid or rechargeable.
  • a virtual prepaid card is a kind of prepaid card and is a card capable of immediate payment or postpaid payment.
  • the points are, for example, electronic money or money points having a financial value that can be used in a payment service application (smartphone payment application) that can be installed on a terminal such as a smartphone.
  • the payee designation unit 32 designates at least one that can be deposited or charged from the above-mentioned plurality of asset holding means as the payee of the prepaid salary.
  • the payee of the prepaid salary may be specified each time the prepaid salary is received, or the payee may be set in advance.
  • the salary prepayment management device 20 has, as functional blocks, a prepayment request reception unit 21, an attendance information acquisition unit 22, a prepayment availability determination unit 23, a payment processing execution unit 24, and a usage status report creation. It is provided with a unit 25. These functional blocks are realized, for example, by a CPU (not shown) of the payroll prepayment management device 20 reading a predetermined program into a memory and executing the program.
  • auxiliary storage device hard disk drive, etc. (not shown) of the payroll prepayment management device 20
  • the employee number may be an employee ID or a number associated with the employee ID.
  • the prepaid request receiving unit 21 is a functional block that receives a salary prepaid request transmitted from the prepaid request transmitting unit 31 of the user terminal 30.
  • the prepaid request includes information such as a company code, an employee ID, a prepaid request amount, and an application date and time.
  • the prepaid request may include designated information such as the labor provision date and service items to be paid. By including the designated information, the degree of freedom in dealing with prepaid processing for workers is increased.
  • the attendance information acquisition unit 22 is a functional block for acquiring the attendance information of workers.
  • the attendance information acquisition unit 22 extracts the ID of the worker included in the prepayment request and requests the acquisition of the attendance information of the worker. It is transmitted to the attendance management device 10 together with the ID.
  • the attendance information processing unit 11 of the attendance management device 10 transmits the attendance information of the worker corresponding to the ID to the payroll prepayment management device 20, and the attendance information acquisition unit 22 acquires the attendance information.
  • the attendance information processing unit 11 of the attendance management device 10 may immediately send the updated attendance information to the payroll prepayment management device 20 after the worker's departure is stamped. As a result, the attendance information acquisition unit 22 can always acquire the latest attendance information.
  • the prepayment approval / disapproval determination unit 23 is a functional block that determines whether or not the prepayment of salary to workers is possible based on attendance information. More specifically, the prepaid admissibility determination unit 23 calculates the maximum amount that can be prepaid based on the worker's attendance information, and when the prepaid request amount in the prepaid request is less than or equal to the maximum amount, the prepaid amount is prepaid. Is possible. In the present embodiment, the prepaid admissibility determination unit 23 can make a prepaid payment based on the attendance information such as the worker's ID and the labor provision date to be paid, which are included in the prepaid request received by the prepaid request receiving unit 21. Calculate the maximum amount and compare the prepaid request amount in the prepaid request with the maximum amount.
  • the maximum amount of money that can be prepaid is calculated in consideration of the added designated information, and the prepaid request amount in the prepaid request is compared with the maximum amount. As a result, if the prepaid request amount is equal to or less than the upper limit amount, the prepaid admissibility determination unit 23 determines that the prepaid amount is possible. On the other hand, when the prepaid request amount exceeds the upper limit amount, the prepaid admissibility determination unit 23 determines that the prepaid amount is not possible. The determination result of the prepaid admissibility determination unit 23 is input to the payment processing execution unit 24 and notified to the user terminal 30.
  • the user terminal 30 displays a screen for selecting a payee, and the payee designation unit 32 holds a plurality of assets according to the worker's operation on the screen.
  • Specify the payment destination (bank account, virtual prepaid card, prepaid card, electronic money account, point account, etc.) from the means. It is possible to specify multiple payees, in which case the desired amount of payment to each payee can be specified.
  • the payee designation unit 32 transmits the payee information to the payroll prepayment management device 20. If it is determined that prepayment is not possible, a message or the like indicating that payment is not possible is displayed on the user terminal 30.
  • the payment processing execution unit 24 is a functional block that executes payment processing of prepaid salary to workers when it is determined that prepaid payment is possible.
  • the payment processing execution unit 24 receives the determination result that the prepayment is possible from the prepayment availability determination unit 23 and receives the payment destination information from the user terminal 30, the payment destination included in the payment destination information Perform payment processing to.
  • the payment processing execution unit 24 remits the prepayment request amount from the account of the prepayment service provider to the worker's bank account.
  • the payment processing execution unit 24 charges the worker's virtual prepaid card or prepaid card with the prepaid request amount.
  • the payment processing execution unit 24 sends a notification (prepaid completion notification) to the user terminal 30 that the payment processing is completed. Further, the payment processing execution unit 24 creates usage information by associating the amount paid to the payee with the payment date and time, the worker's ID, and the like, and outputs the usage information to the usage status report creation unit 25.
  • the usage status report creation unit 25 receives the above-mentioned usage information each time the payment processing execution unit 24 performs payment processing, and creates a usage status report summarizing the usage information in a predetermined period (for example, one month).
  • a usage status report summarizing the usage information in a predetermined period (for example, one month).
  • each client (company) who is a member of the payroll prepayment service and manages the attendance of workers by the attendance management device 10 communicably connected to the payroll prepayment management device 20 works for the company. Includes the total amount (advance payment) paid in advance to the worker.
  • the usage status report may further include the system usage fee and the transfer agency fee.
  • the usage status report creation unit 25 periodically sends a usage status report to the attendance management device 10 to request an advance payment (advance payment) from the company.
  • the deposit processing unit 12 of the attendance management device 10 manages the account so that the amount corresponding to the advance payment is deposited from the salary payment account of the working company to the account of the prepaid service provider. To ask.
  • the prepayment request transmission unit 31 of the user terminal 30 transmits a prepayment request for salary to the salary prepayment management device 20 in response to an operation by the worker (step S1).
  • the prepayment request receiving unit 21 receives the prepayment request for salary (step S2, prepayment request receiving step). Subsequently, the attendance information acquisition unit 22 extracts the ID of the worker included in the prepaid request, and transmits the acquisition request of the attendance information of the worker to the attendance management device 10 together with the ID (step S3).
  • the attendance information processing unit 11 transmits the attendance information of the worker corresponding to the ID to the payroll prepayment management device 20 (step S4), and in the payroll prepayment management device 20, the attendance information.
  • the acquisition unit 22 acquires the attendance information (step S5, attendance information acquisition step).
  • the salary prepayment management device 20 acquires the attendance information from the attendance management device 10 after receiving the prepayment request from the user terminal 30.
  • attendance information is acquired from the attendance management device 10 in advance, attendance information is recorded in an attendance information storage unit (not shown) provided in the payroll prepaid management device 20, and every preset period. Attendance information may be updated.
  • the payroll prepayment management device 20 extracts the attendance information of the worker corresponding to the ID from the attendance information recorded in the attendance information storage unit. According to the extraction of the worker's attendance information corresponding to this ID, when the worker makes a prepayment request, the salary prepayment management device 20 responds to the prepayment request even if the attendance management device 10 is not operating. be able to.
  • the prepaid admissibility determination unit 23 of the salary prepaid management device 20 determines whether or not the salary can be prepaid to the worker based on the attendance information, outputs the determination result to the payment processing execution unit 24, and outputs the determination result to the user. Notify the terminal 30 (step S6, advance payment admissibility determination step).
  • the payee designation unit 32 of the user terminal 30 specifies the payee of the prepaid salary (and the desired amount of payment to each payee) according to the operation of the worker and pays.
  • the advance information is transmitted to the payroll prepayment management device 20 (step S7).
  • step S7 if the payee is set in advance in the payee designation unit 32 before step S1, step S7 is omitted.
  • the payment processing execution unit 24 executes payment processing to the payee included in the payee information (step S8, payment processing execution step), and when the payment processing is completed, A prepayment completion notification is transmitted to the user terminal 30 (step S9).
  • the usage status report creation unit 25 creates a usage status report summarizing the usage information in a predetermined period and periodically transmits it to the attendance management device 10 (step S10).
  • the attendance management device 10 manages the account so that the deposit processing unit 12 deposits the amount corresponding to the advance payment (advance payment) from the company's salary payment account to the account of the prepaid service provider. Ask the financial institution to do so (step S11).
  • the salary prepayment management device 20 performs the payment processing of the prepayment salary only by the worker operating the user terminal 30. Therefore, the worker can easily receive the salary for the labor already provided.
  • the salary prepayment management device 20 including the above configuration is a device specialized for making prepayment of salary, and prepays a part or all of salary.
  • the worker can pay for the labor already provided to the company before the preset payment date, and the worker can flexibly pay the salary at his / her own will. Can be set to.
  • FIG. 3 is a block diagram showing a schematic configuration of the salary prepayment system 200 according to the second embodiment.
  • the salary prepayment system 200 like the salary prepayment system 100 according to the first embodiment, is a system for managing salary payments to workers who provide labor to a company, and in particular, for labor already provided by the workers. Enables a payroll prepayment service that receives payroll in advance.
  • the payroll prepayment system 200 includes an attendance management device 10, a payroll prepayment management device 20', a user terminal 30, and a payment processing device 40.
  • the attendance management device 10, the user terminal 30, and the payment processing device 40 are communicably connected to the payroll prepayment management device 20'via a communication network such as the Internet.
  • the attendance management device 10 and the user terminal 30 are the same as those in the first embodiment.
  • the salary prepayment management device 20 includes a prepayment request reception unit 21, an attendance information acquisition unit 22, a prepayment availability determination unit 23, a payment processing application unit 26, and a usage status report creation unit 25 as functional blocks. There is. That is, the salary prepayment management device 20'has a configuration in which the payment processing execution unit 24 is replaced with the payment processing application unit 26 in the salary prepayment management device 20 according to the first embodiment.
  • the payment processing application unit 26 is a functional block that applies to the payment processing device 40 for payment processing of the prepaid salary to the worker when the prepaid admissibility determination unit 23 determines that the prepaid salary can be paid in advance. That is, in the present embodiment, the payroll prepayment process is executed by the payroll prepayment device 40 instead of the payroll prepayment management device 20'.
  • the payment processing application unit 26 receives the determination result that the prepayment is possible from the prepayment availability judgment unit 23 and receives the payment destination information from the user terminal 30, the payment processing application unit 26 receives the payment processing application including the payment destination information and the prepayment request amount. It is transmitted to the payment processing device 40.
  • the payment processing device 40 is a computer managed by a payment service provider that manages the payroll prepayment device 20'and provides a payroll service that pays a salary different from the prepayment service provider that operates the prepayment service.
  • the payment processing device 40 includes an application receiving unit 41 and a payment processing executing unit 42 as functional blocks.
  • the application reception unit 41 accepts the payment processing application transmitted from the payment processing application unit 26 of the payroll prepayment management device 20'.
  • the payment processing application includes, for example, transfer destination information (bank code, branch code, account type, account number, account name, etc.), transfer amount, transfer date (shortest in principle), and the like.
  • the payment processing execution unit 42 executes payment processing of the prepaid salary to the worker based on the payment processing application from the application reception unit 41.
  • the function of the payment processing execution unit 42 is the same as that of the payment processing execution unit 24 of the payroll prepayment management device 20 in the first embodiment.
  • the payment processing execution unit 42 remits the prepayment request amount from the account of the payment service provider to the worker's bank account.
  • the payment processing execution unit 42 charges the worker's virtual prepaid card or prepaid card with the prepaid request amount.
  • the payment processing execution unit 42 transmits a notification (prepaid completion notification) to the user terminal 30 that the payment processing is completed. At the same time, the payment processing execution unit 42 transmits usage information such as the payment amount, the payment date and time, and the worker's ID to the salary prepayment management device 20'along with the prepayment completion notification.
  • the usage status report creation unit 25 of the salary prepayment management device 20 'receives usage information from the payment processing execution unit 42, and creates a usage status report summarizing the usage information for a predetermined period (for example, one month).
  • the payment service provider that manages the payment processing device 40 will reimburse the advance payment to the workers, but the advance payment (advance payment) will be billed to the prepaid service provider at regular intervals. You may charge the company you work for.
  • steps S1 to S7 is the same as that in the first embodiment.
  • step S7-1 in the payroll prepayment management device 20', the payment processing application unit 26 applies for payment processing to the payment processing device 40.
  • the application receiving unit 41 accepts the payment processing application transmitted from the payment processing application unit 26 (step S7-2).
  • the payment processing execution unit 42 executes payment processing of the prepaid salary to the worker based on the payment processing application from the application reception unit 41 (step S8').
  • the payment processing execution unit 42 transmits the prepaid payment completion notification to the salary prepaid management device 20'and the user terminal 30 (step S9').
  • the payment processing device 40 performs the payment processing of the prepaid salary via the salary prepaid management device 20 only by the worker operating the user terminal 30. Therefore, the worker can easily receive the salary for the labor already provided.
  • the salary prepayment management device 20' is different in that the payment processing application unit 26 is provided instead of the payment processing execution unit 24 shown in FIG.
  • the management device 20' is a management device specialized for payroll management. Therefore, in the present embodiment, the salary prepayment management device 20'only handles financial information associated with attendance information such as salary, and since the payment processing execution unit 24 does not exist, it is not possible to actually handle financial assets such as money. Absent. As a result, even if a trouble occurs in the payroll prepayment management device 20', the direct influence on the financial assets is less likely to be exerted, and the financial risk can be dispersed.
  • the payment processing device 40 executes the payment, the payment processing other than the advance payment of the salary can be performed in the present embodiment.
  • the payment processing device 40 can receive a salary payment application to be paid on the payment date in addition to the prepaid payment processing application.
  • the payment processing execution unit 42 can also execute the salary payment processing in addition to the execution of the prepaid payment processing.
  • the payment processing execution unit 42 may pay by connecting to another asset management device and based on a payment processing application from the other asset management device.
  • Assets managed by other asset management devices here include, for example, real estate assets that are different from the "payment" managed by real estate ownership management devices, investment assets from stocks managed by financial ownership management devices, and electronic money. Examples include electronic money managed by a management device or the like.
  • FIG. 5 is a block diagram showing a schematic configuration of a payroll prepayment system 200 ′ according to a modified example of the second embodiment of the present invention.
  • the payroll prepayment system 200' is a configuration in which the payroll prepayment system 200 shown in FIG. 3 is further provided with other asset management devices such as a real estate ownership management device 50, a financial ownership management device 60, and an electronic money management device 70.
  • the real estate ownership management device 50, the financial ownership management device 60, and the electronic money management device 70 are communicably linked with the payment processing device 40.
  • the payment processing device 40 is constructed with a payment system in which the payroll prepayment management device 20', the real estate ownership management device 50, the financial ownership management device 60, and the electronic money management device 70 are linked.
  • the real estate ownership management device 50 transmits a payment processing application for assets related to real estate assets to the payment processing device 40.
  • the payment processing execution unit 42 of the payment processing device 40 executes the payment processing of the assets related to the real estate assets.
  • the payment processing execution unit 42 transmits a notification (payment completion notification) to the user terminal 30 that the payment processing is completed.
  • the payment processing execution unit 42 transmits usage information such as the payment date and time and the ID of the target user who manages the real estate ownership linked to the usage ID of the payment processing to the real estate ownership management device 50 together with the payment completion notification. ..
  • the information sent and received by the payment processing device 40 to and from the real estate ownership management device 50 is the same as the information sent and received to and from the salary prepayment management device 20', and the description thereof is omitted here.
  • the target user who manages real estate ownership is the same person as the worker.
  • the ID of the user of real estate ownership management, the ID of the worker, and the usage ID of payment processing exist separately, and the payment processing device 40 uses the usage ID of payment processing as the master ID for payment.
  • the user ID information D1 in which the user ID of the real estate ownership management and the worker ID are associated with the use ID of the process is stored in the database 43.
  • the financial ownership management device 60 transmits a payment processing application for assets related to financial assets to the payment processing device 40.
  • the payment processing execution unit 42 of the payment processing device 40 executes the payment processing of the assets related to the financial assets.
  • the payment processing execution unit 42 transmits a payment completion notification to the user terminal 30.
  • the payment processing execution unit 42 transmits usage information such as the payment date and time and the ID of the target user who manages the financial ownership linked to the usage ID of the payment processing to the financial ownership management device 60 together with the payment completion notification. ..
  • the information sent and received by the payment processing device 40 to and from the financial ownership management device 60 is the same as the information sent and received to and from the payroll prepayment management device 20', and the description thereof is omitted here.
  • the target user who manages financial ownership is the same person as the worker.
  • the ID of the user of financial ownership management, the ID of the worker, and the usage ID of payment processing exist separately, and the payment processing device 40 uses the usage ID of payment processing as the master ID for payment.
  • the user ID information D2 in which the user ID of the financial ownership management and the worker ID are associated with the use ID of the process is stored in the database 43.
  • the electronic money ownership management device 70 transmits a payment processing application for assets related to electronic money to the payment processing device 40.
  • the payment processing execution unit 42 of the payment processing device 40 executes the payment processing of the assets related to the electronic money.
  • the payment processing execution unit 42 transmits a payment completion notification to the user terminal 30.
  • the payment processing execution unit 42 sends usage information such as the payment date and time and the ID of the target user who manages the electronic money possession linked to the usage ID of the payment processing to the electronic money ownership management device 70 together with the payment completion notification.
  • the information sent and received by the payment processing device 40 to and from the electronic money ownership management device 70 is the same as the information sent and received to and from the payroll prepayment management device 20', and the description thereof is omitted here.
  • the target user who manages the ownership of electronic money is the same person as the worker.
  • the user ID of the electronic money possession management, the worker ID, and the payment processing usage ID exist separately, and the payment processing device 40 uses the payment processing usage ID as the master ID.
  • the user ID information D3 in which the user ID of the electronic money possession management and the worker ID are linked to the use ID of the payment process is stored in the database 43.
  • the payment processing device 40 is not only a payment handling application for payment processing from the payroll prepayment management device 20', but also other assets such as a real estate ownership management device 50, a financial ownership management device 60, and an electronic money management device 70. It also supports payments that are applied for payment processing from the management device.
  • the user terminal 30 and other asset management devices real estate ownership management device 50, financial ownership management device 60, electronic money management device 70, etc.
  • the payment request corresponding to the prepayment request shown in FIG. 3 the payment acceptance notification corresponding to the payment acceptance notification shown in FIG. 3, and other assets corresponding to the payment destination information shown in FIG. You may send and receive information about payee information (not shown).
  • the payment processing device 40 since the payment processing device 40 does not exist, it is not possible to perform payment processing other than the salary prepayment only by the salary prepayment management device.
  • the salary prepayment management device 20'and the payment processing device 40 since the salary prepayment management device 20'and the payment processing device 40 are provided, the salary prepayment can be made, and further, the payment other than the salary prepayment can be made.
  • FIG. 6 is a block diagram showing a schematic configuration of the salary prepayment system 300 according to the third embodiment.
  • the salary prepayment system 300 like the salary prepayment systems 100 and 200 according to the first and second embodiments, is a system for managing salary payments to workers who provide labor to a company, and in particular, the workers Enables a payroll prepayment service that receives payroll in advance for the labor already provided.
  • the payroll prepayment system 300 includes an attendance management device 10, a payroll prepayment management device 20 ”, a user terminal 30, and a payment processing device 40.
  • Attendance management device 10 user.
  • the terminal 30 and the payment processing device 40 are communicably connected to the payroll prepayment management device 20 ”via a communication network such as the Internet.
  • the attendance management device 10 and the user terminal 30 are the same as those in the first embodiment, and the payment processing device 40 is the same as that in the second embodiment.
  • the salary prepayment management device 20 includes a prepayment request reception unit 21, an attendance information acquisition unit 22, a prepayment availability determination unit 23, a processing method selection unit 27, a payment processing execution unit 24, and a payment processing application.
  • a unit 26 and a usage status report creation unit 25 are provided. That is, the salary prepayment management device 20 ”is the payment processing application unit 26 and the processing method selection unit 27 in the salary prepayment management device 20 according to the first embodiment. It is a configuration further equipped with.
  • the payment processing execution unit 24 executes the payment processing, and the payment processing application unit 26 sends the payment processing device 40 to the payment processing device 40. It is a functional block that selects which of the applications to make.
  • the payment processing execution unit 24 selects the execution of the payment processing, the payment processing execution unit 24 executes the payment processing (step S8 in FIG. 2).
  • the payment processing application unit 26 applies for the payment processing to the payment processing device 40 (step S7-1 in FIG. 4), and accordingly.
  • the application receiving unit 41 of the payment processing device 40 accepts the payment processing application (step S7-2 in FIG. 4), and the payment processing execution unit 42 executes the payment processing of the prepaid salary to the worker (step S8 in FIG. 4). ').
  • the selection criteria are not particularly limited, but for example, when the payment processing execution unit 24 normally selects execution of payment processing and the number of prepaid requests is equal to or greater than a predetermined number, the payment processing application unit 26 applies to the payment processing device. You may choose. As a result, the risk of payment processing delay due to system trouble or the like can be avoided. Alternatively, the prepaid service application provided by the prepaid service provider or the payment service application provided by the payment service provider can be selected.
  • the payroll prepayment management device 20 since the payroll prepayment management device 20 ”provided with the payment processing execution unit 24 and the payment processing device 40 are provided, the operation and effect according to the first embodiment and the operation and effect according to the second embodiment. Further, since the salary prepayment management device 20 "further further includes a processing method selection unit 27, the salary prepayment device 20" and the payment processing device 40 can flexibly prepay the salary, for example. When a worker is using a plurality of payment service applications to which a plurality of payroll prepayment management devices 20 ”are applied, payment processing can be executed by one payment processing device 40, thereby simplifying the payment work. Can be transformed into. In this case, payment by the payment processing device 40 can be selected.
  • the prepayment approval / disapproval determination unit 23 considers the actual working hours at the time when the prepayment request reception unit 21 receives the prepayment request and the hourly wage of the worker, as well as the deduction amount and the allowance amount of the worker's salary, and makes the prepayment. It is preferable to calculate the maximum amount that can be used. That is, it is preferable that the prepaid admissibility determination unit 23 calculates the maximum amount of money in consideration of remuneration other than the worker's salary when calculating the maximum amount of money that can be prepaid.
  • the deduction amount such as income tax, social insurance premium, reserve fund, commuting allowance, housing allowance, etc. Calculate the maximum amount by adding the allowance amount such as.
  • reimbursement of expenses different from salary may be added, and payment may be made as a separate item from salary.
  • the full amount may be paid in advance for the advance payment of expenses.
  • the prepaid admissibility determination unit 23 determines that prepaid is not possible if the prepaid request amount is equal to or less than the upper limit but exceeds the predetermined limit.
  • the predetermined limit is set in advance to, for example, 30,000 yen.
  • the reimbursement amount (prepaid amount) is excessive by setting a separate limit on the payment amount to each worker. It is possible to reduce the risk of non-payment of advance payments (prepayments) due to the increase in payments.
  • the limit may be set by the prepaid service provider, or by the client or worker.
  • the worker receives the prepaid salary as a transfer to a bank account or electronic money, but may receive it as cash instead.
  • the prepaid service application of the prepaid service provider or other payment service application may be installed on the worker's user terminal and the installed service application may be used.
  • a payment device for paying a salary to a worker a cash register device for paying a fee at a store, a currency exchange device for exchanging money, or a ticket sales device such as a passport or a ticket is used.
  • the salary prepayment management device determines whether or not the prepayment of salary to the worker is possible based on the worker's attendance information, and when it is determined that the prepayment is possible, the service installed on the user terminal of the worker.
  • a cash register device a currency exchange device, or a ticket sales device
  • authentication is performed based on the authentication information, and the clerk hands the salary to the worker in cash.
  • a cash register device, a currency exchange device, or a ticket sales device outputs cash. Examples of the authentication information referred to here include code authentication information.
  • Attendance management device 11
  • Attendance information processing unit 12
  • Deposit processing unit 20
  • Salary prepayment management device 20'Salary prepayment management device
  • Payment processing execution unit 21
  • Prepayment request reception unit 22
  • Prepaid availability judgment unit 24
  • Payment processing execution unit 25
  • Usage status report creation unit 26
  • Payment processing application unit 27
  • Processing method selection unit 30
  • User terminal 31
  • Prepaid request transmission unit 32
  • Payee designation unit 40
  • Payment processing device 41 Application reception unit
  • Payment processing execution unit 43
  • Database Real estate ownership management device
  • Financial ownership management device 70
  • Electronic money ownership management device 100 Payroll prepayment system 200 Payroll prepayment system 200'Payroll prepayment system 300 Payroll prepayment system

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Abstract

Provided is a pay prepayment management device that makes it possible for a worker to quickly and easily receive pay for work already provided.　The pay prepayment management device is provided with: a prepayment request reception unit that receives, from a terminal managed by a worker who provides work, a request for prepayment of pay to the worker; an attendance information acquisition unit that acquires attendance information regarding the worker; a prepayment possibility determination unit that determines whether it is possible to perform prepayment of pay to the worker on the basis of the attendance information; and a payment processing execution unit that executes payment processing for prepayment to the worker when it is determined that prepayment is possible.

Description

給与前払管理装置、給与前払管理方法およびプログラムPayroll prepayment management device, payroll prepayment management method and program
　本発明は、労働者が既に提供した労働に対する給与を前払いで受け取る給与前払サービスを実現するための給与前払管理装置に関する。 The present invention relates to a salary prepayment management device for realizing a salary prepayment service in which a worker receives a salary for labor already provided in prepayment.
　通常、企業から各労働者への給与の支払いは、企業が各労働者の月額給与をそれぞれ計算して銀行に振り込みを依頼し、これに基づいて銀行のコンピュータシステムから特定の給与日に各労働者の口座に所定金額が振り込まれることで行われている。 Normally, when a company pays a salary to each worker, the company calculates the monthly salary of each worker and asks the bank to transfer the salary, and based on this, the computer system of the bank makes each work on a specific salary day. It is done by transferring a predetermined amount of money to a person's account.
　近年は派遣労働者をはじめとして、アルバイト、契約社員、パート社員など労働形態が多様化するとともに、生活様式や価値観も多様化し、定められた給料日を待たずして就業後直ちに給与の支払を受ける、給与の前払い需要が増加してきた。 In recent years, work styles such as dispatched workers, part-time workers, contract employees, and part-time employees have diversified, and lifestyles and values have also diversified. The demand for prepaid salaries has increased.
　本発明は、上記の需要に鑑み、労働者が既に提供した労働に対する給与を迅速かつ容易に受け取ることができる給与前払管理装置を提供することを課題とする。 In view of the above demand, an object of the present invention is to provide a salary prepayment management device capable of quickly and easily receiving a salary for labor already provided by a worker.
　本発明の一態様に係る給与前払管理装置は、労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付部と、前記労働者の勤怠情報を取得する勤怠情報取得部と、前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断部と、前払が可能と判断された場合に、前記労働者への前払給与の支払処理を実行する支払処理実行部と、を備えたことを特徴とする。 The salary prepayment management device according to one aspect of the present invention acquires the prepayment request receiving unit that receives the prepayment request for salary to the worker and the attendance information of the worker from the terminal managed by the worker who provides the labor. The attendance information acquisition department, the prepaid admissibility judgment department that determines whether or not the salary can be paid in advance to the worker based on the attendance information, and the prepaid salary to the worker when it is judged that the prepaid is possible. It is characterized in that it is provided with a payment processing execution unit that executes the payment processing of.
　あるいは、本発明の一態様に係る給与前払管理装置は、労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付部と、前記労働者の勤怠情報を取得する勤怠情報取得部と、前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断部と、前払が可能と判断された場合に、前記労働者への前払給与の支払処理を支払処理装置に申請する支払処理申請部と、を備えたことを特徴とする。 Alternatively, the salary prepayment management device according to one aspect of the present invention includes a prepayment request receiving unit that receives a prepayment request for salary to the worker from a terminal managed by a worker who provides labor, and attendance information of the worker. The attendance information acquisition department to acquire the information, the prepaid admissibility judgment unit that determines whether or not the salary can be paid in advance to the worker based on the attendance information, and the prepaid admissibility judgment department to determine whether or not the salary can be paid in advance to the worker. It is characterized by having a payment processing application unit that applies for payment processing of prepaid salary to a payment processing device.
　あるいは、本発明の一態様に係る給与前払管理装置は、労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付部と、前記労働者の勤怠情報を取得する勤怠情報取得部と、前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断部と、前記労働者への前払給与の支払処理を実行する支払処理実行部と、前記労働者への前払給与の支払処理を支払処理装置に申請する支払処理申請部と、前払が可能と判断された場合に、前記支払処理実行部による前記支払処理の実行、および、前記支払処理申請部による前記支払処理装置への申請のいずれを行うかを選択する処理方法選択部と、を備えたことを特徴とする。 Alternatively, the salary prepayment management device according to one aspect of the present invention includes a prepayment request receiving unit that receives a prepayment request for salary to the worker from a terminal managed by a worker who provides labor, and attendance information of the worker. Attendance information acquisition unit to acquire the above, a prepaid admissibility determination unit that determines whether or not the prepaid salary to the worker is possible based on the attendance information, and a payment process that executes the payment process of the prepaid salary to the worker. The execution unit, the payment processing application unit that applies the payment processing of the prepaid salary to the worker to the payment processing device, the execution of the payment processing by the payment processing execution unit when it is determined that the prepaid payment is possible, and The payment processing application unit is provided with a processing method selection unit for selecting which of the applications to the payment processing apparatus is to be performed.
　上記の給与前払管理装置の各部としてコンピュータを機能させるためのプログラムも、本発明の技術的範囲に属する。 The program for operating the computer as each part of the above-mentioned payroll prepayment management device also belongs to the technical scope of the present invention.
　本発明の一態様に係る給与前払管理方法は、労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付ステップと、前記労働者の勤怠情報を取得する勤怠情報取得ステップと、前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断ステップと、前払が可能と判断された場合に、前記労働者への前払給与の支払処理を実行する支払処理実行ステップと、を備えたことを特徴とする。 The salary prepayment management method according to one aspect of the present invention acquires a prepayment request acceptance step for receiving a salary prepayment request to the worker and attendance information of the worker from a terminal managed by the worker who provides the labor. Attendance information acquisition step to be performed, a prepayment availability determination step for determining whether or not to prepay the salary to the worker based on the attendance information, and a prepayment salary to the worker when it is determined that prepayment is possible. It is characterized by having a payment processing execution step for executing the payment processing of.
　本発明によれば、労働者が既に提供した労働に対する給与を迅速かつ容易に受け取ることができる給与前払管理装置を提供できる。 According to the present invention, it is possible to provide a salary prepayment management device capable of quickly and easily receiving a salary for labor already provided by a worker.
本発明の第１の実施形態に係る給与前払システムの概略構成を示すブロック図である。It is a block diagram which shows the schematic structure of the payroll prepayment system which concerns on 1st Embodiment of this invention. 図１に示す給与前払システムにおいて、労働者への給与の支払い処理の手順を示すシーケンス図である。In the salary prepayment system shown in FIG. 1, it is a sequence diagram which shows the procedure of the salary payment processing to a worker. 本発明の第２の実施形態に係る給与前払システムの概略構成を示すブロック図である。It is a block diagram which shows the schematic structure of the payroll prepayment system which concerns on the 2nd Embodiment of this invention. 図３に示す給与前払システムにおいて、労働者への給与の支払い処理の手順を示すシーケンス図である。It is a sequence diagram which shows the procedure of the payment processing of the salary to a worker in the salary prepayment system shown in FIG. 本発明の第２の実施形態の変形例に係る給与前払システムの概略構成を示すブロック図である。It is a block diagram which shows the schematic structure of the payroll prepayment system which concerns on the modification of the 2nd Embodiment of this invention. 本発明の第３の実施形態に係る給与前払システムの概略構成を示すブロック図である。It is a block diagram which shows the schematic structure of the payroll prepayment system which concerns on 3rd Embodiment of this invention.
　以下、本発明の実施形態について添付図面を参照して説明する。なお、本発明は、下記の実施形態に限定されるものではない。 Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings. The present invention is not limited to the following embodiments.
　［第１の実施形態］
　以下、本発明の第１の実施形態について説明する。 [First Embodiment]
Hereinafter, the first embodiment of the present invention will be described.
　（システムの全体構成）
　図１は、第１の実施形態に係る給与前払システム１００の概略構成を示すブロック図である。給与前払システム１００は、企業に労働を提供する労働者への給与の支払いを管理するシステムであり、特に、労働者が既に提供した労働に対する給与を前払いで受け取る給与前払サービスを可能とする。 (Overall system configuration)
FIG. 1 is a block diagram showing a schematic configuration of a payroll prepayment system 100 according to the first embodiment. The salary prepayment system 100 is a system for managing salary payments to workers who provide labor to a company, and in particular, enables a salary prepayment service in which workers receive salaries for labor already provided in advance.
　なお、ここでいう給与には、企業と労働者との雇用契約に基づく給与や、企業と労働者との業務委託契約に基づく報酬等が含まれる。また、第三者となる別の企業が労働者を雇用したり、当該別の企業が労働者の労働管理（勤怠情報や労働対価情報等）をしている場合の、労働者が企業へ労働提供することによって発生する、企業から別の企業への労働対価の支払いも含まれる。つまり、給与とは、企業に労働者が労働を提供することによって発生する対価に関係するものであり、便宜上、給与という用語を使っているだけで厳密に企業から支給される「給与」に限定されるものではない。また、ここでいう前払いとは、企業が支払い日（例えば、月末〆翌月末支払いの契約条件においての月末日等）を予め設定し、当該支払い日よりも前に、労働者が既に企業に提供した労働に対する支払いのことをいう。例えば、前払いとは、企業が予め設定した特定の日となる給与日よりも前に、労働者が既に企業に提供した労働に対する支払いのことをいう。 The salary referred to here includes salary based on the employment contract between the company and the worker, remuneration based on the business consignment contract between the company and the worker, and the like. In addition, when another company, which is a third party, employs a worker, or when the other company manages the labor of the worker (attendance information, labor consideration information, etc.), the worker works for the company. It also includes the payment of labor costs from one company to another, which is caused by the provision. In other words, salary is related to the consideration generated by workers providing labor to a company, and for convenience, it is limited to the "salary" strictly paid by the company just by using the term salary. It is not something that is done. In addition, prepayment here means that the company sets a payment date (for example, the end of the month 〆 the end of the month in the contract conditions for payment at the end of the next month) in advance, and the worker has already provided it to the company before the payment date. It refers to the payment for the labor done. For example, prepayment refers to payment for labor that a worker has already provided to the company before the payday, which is a specific date preset by the company.
　図１に示すように、給与前払システム１００は、勤怠管理装置１０と、給与前払管理装置２０と、利用者端末３０とを備えている。勤怠管理装置１０および利用者端末３０は、インターネット等の通信ネットワークを介して、給与前払管理装置２０と通信可能に接続されている。なお、図１では、従前、企業から振込依頼を受けて労働者の口座に給与の振込を行う銀行等の金融機関システムの図示は省略されている。 As shown in FIG. 1, the payroll prepayment system 100 includes an attendance management device 10, a payroll prepayment management device 20, and a user terminal 30. The attendance management device 10 and the user terminal 30 are communicably connected to the payroll prepayment management device 20 via a communication network such as the Internet. In FIG. 1, the illustration of a financial institution system such as a bank that receives a transfer request from a company and transfers salary to a worker's account is omitted.
　（勤怠管理装置）
　勤怠管理装置１０は、労働を提供する労働者の勤怠情報を管理するためのコンピュータであり、本実施形態では、労働者が労働を提供している会社（以下、「勤務会社」ともいう）が勤怠管理装置１０を管理している。本明細書において、「会社」とは、法上の会社（株式会社、合同会社、合名会社及び合資会社）に限らず、社団法人、財団法人などの法人格を有する団体、及び、組合、学会など法人格を有しない団体や個人をも含む概念である。 (Attendance management device)
The attendance management device 10 is a computer for managing the attendance information of the worker who provides the labor, and in the present embodiment, the company where the worker provides the labor (hereinafter, also referred to as “working company”) The attendance management device 10 is managed. In this specification, the term "company" is not limited to legal persons (stock companies, limited liability companies, partnerships and limited partnerships), but also legal persons such as incorporated associations and foundations, as well as unions, academic societies, etc. It is a concept that includes groups and individuals who do not have legal personality.
　なお、給与前払システム１００を構築して上述の給与前払サービスを提供する会社を「前払サービス提供会社」ともいう。また、本明細書において「労働者」とは、給与前払サービスの提供を受ける労働者を意味する。 A company that builds a salary prepayment system 100 and provides the above-mentioned salary prepayment service is also referred to as a "prepayment service provider". In addition, the term "worker" as used herein means a worker who receives a prepaid salary service.
　図１に示すように、勤怠管理装置１０は機能ブロックとして、勤怠情報処理部１１と、預託処理部１２とを備えている。これらの機能ブロックは、例えば、勤怠管理装置１０の図示しないＣＰＵが所定のプログラムをメモリに読み出して実行することにより実現される。 As shown in FIG. 1, the attendance management device 10 includes an attendance information processing unit 11 and a deposit processing unit 12 as functional blocks. These functional blocks are realized, for example, by a CPU (not shown) of the attendance management device 10 reading a predetermined program into a memory and executing the program.
　勤怠情報処理部１１は、タイムレコーダ等の勤怠管理機器と連携して、自社で労働した労働者の勤怠情報（例えば、社員ＩＤ、給与金額、勤務時間等）に関する処理を行う。本実施形態では、労働者が勤怠管理機器に退勤の打刻操作を行った場合、勤怠情報処理部１１は、当該日の労働時間に関する情報を勤怠情報に追加することにより、勤怠情報を即座に更新する。後述するように、勤怠情報処理部１１は、給与前払管理装置２０からの勤怠情報の取得要求に応じて、労働者の勤怠情報を給与前払管理装置２０に送信する。なお、勤怠情報は、労働者の基本情報に基づいて処理され、労働者の基本情報は、図示しない労働者情報格納部に格納されている。ここでいう労働者の基本情報は、例えば、氏名、住所、所属部署、職位、給与金額、給与外支給情報、給与口座情報等を含み、社員ＩＤに紐づけられている。 The attendance information processing unit 11 processes the attendance information (for example, employee ID, salary amount, working hours, etc.) of the workers who worked in the company in cooperation with the attendance management device such as a time recorder. In the present embodiment, when a worker performs an operation of leaving work on the attendance management device, the attendance information processing unit 11 immediately adds the attendance information by adding the information on the working hours of the day to the attendance information. Update. As will be described later, the attendance information processing unit 11 transmits the attendance information of the worker to the payroll prepayment management device 20 in response to the request for acquisition of the attendance information from the payroll prepayment management device 20. The attendance information is processed based on the basic information of the worker, and the basic information of the worker is stored in the worker information storage unit (not shown). The basic information of the worker referred to here includes, for example, name, address, department, job title, salary amount, non-salary payment information, salary account information, etc., and is linked to the employee ID.
　預託処理部１２は、勤務会社の給与支払用の口座への入金処理および出金処理を行う。例えば、預託処理部１２は、後述する給与前払管理装置２０からの引落指示に応じて、引落指示において指定された金額を、給与支払用の口座から前払サービス提供会社の口座に入金するように、口座を管理する金融機関に依頼する。なお、勤務会社の給与支払用の口座や前払サービス提供会社の口座は、銀行口座であってもよく、また別の金融関連の口座であってもよく、現金や電子マネーなどの任意の金融資産を扱ってもよい。 The deposit processing unit 12 performs deposit processing and withdrawal processing to the salary payment account of the working company. For example, the deposit processing unit 12 receives the withdrawal instruction from the salary prepayment management device 20, which will be described later, so that the amount specified in the withdrawal instruction is deposited from the salary payment account to the account of the prepayment service provider. Ask the financial institution that manages your account. The payroll account of the working company and the account of the prepaid service provider may be a bank account or another financial-related account, and any financial asset such as cash or electronic money. May be dealt with.
　（給与前払管理装置）
　給与前払管理装置２０は、前払サービス提供会社が管理するコンピュータである。給与前払管理装置２０は、主に、勤怠管理装置１０が管理する勤怠情報に基づいて、労働者への給与の前払の可否を判断するとともに、前払が可能と判断した場合に、労働者の利用者端末に認証情報を送信する機能を有している。給与前払管理装置２０の具体的な機能については、後述する。 (Payroll prepayment management device)
The payroll prepayment management device 20 is a computer managed by a prepayment service provider. The salary prepayment management device 20 mainly determines whether or not the prepayment of salary to the worker is possible based on the attendance information managed by the attendance management device 10, and when it is determined that the prepayment is possible, the worker uses it. It has a function to send authentication information to a person terminal. The specific function of the payroll prepayment management device 20 will be described later.
　（利用者端末）
　利用者端末３０は、労働者が管理する端末となるコンピュータであり、本実施形態では、スマートフォンやタブレット装置などである。図１に示すように、利用者端末３０は機能ブロックとして、前払要求送信部３１と、支払先指定部３２とを備えている。これらの機能ブロックは、利用者端末３０の図示しないＣＰＵが給与前払サービスを受けるためのプログラムをメモリに読み出して実行することにより実現される。また、利用者端末３０は、ハードウェア構成として、タッチパネルなどの入力装置や、液晶ディスプレイなどの表示画面を備えている。 (User terminal)
The user terminal 30 is a computer that is a terminal managed by a worker, and in the present embodiment, it is a smartphone, a tablet device, or the like. As shown in FIG. 1, the user terminal 30 includes a prepaid request transmission unit 31 and a payee designation unit 32 as functional blocks. These functional blocks are realized by the CPU (not shown) of the user terminal 30 reading a program for receiving the payroll prepaid service into the memory and executing the program. Further, the user terminal 30 is provided with an input device such as a touch panel and a display screen such as a liquid crystal display as a hardware configuration.
　前払要求送信部３１は、利用者端末３０の図示しない入力装置への操作に応じて、給与前払管理装置２０に給与の前払要求を送信する。前払要求送信部３１を起動させると、例えば、所定のＩＤおよびパスワードを入力するための認証画面が表示され、認証後、労働を提供した年月日や、前払いの希望金額などを入力するためのフォーム画面が表示される。労働者は、フォーム画面に所定の事項を入力後、送信指示を行うことで、給与前払管理装置２０に前払要求が送信される。なお、本実施形態では、所定のＩＤおよびパスワードによる本人認証を行っているが、これに限定されるものではなく、本人認証ができればさらにセキュアな環境設定されてもよく、例えば、３Ｄセキュアを採用したり、生体認証機能を付加してもよい。 The prepayment request transmission unit 31 transmits a salary prepayment request to the salary prepayment management device 20 in response to an operation on an input device (not shown) of the user terminal 30. When the prepayment request transmission unit 31 is activated, for example, an authentication screen for entering a predetermined ID and password is displayed, and after authentication, the date of labor provision, the desired amount of prepayment, etc. can be input. The form screen is displayed. The worker inputs a predetermined item on the form screen and then gives a transmission instruction, so that the prepayment request is transmitted to the salary prepayment management device 20. In this embodiment, personal authentication is performed using a predetermined ID and password, but the present invention is not limited to this, and a more secure environment may be set as long as personal authentication is possible. For example, 3D Secure is adopted. Or you may add a biometric authentication function.
　支払先指定部３２は、前払給与の支払先を指定する機能ブロックである。本実施形態では、労働者は、銀行口座の他、クレジットカード、デビットカード、プリペイドカード、バーチャルプリペイドカード、電子マネー口座、ポイント口座など、複数の資産保有手段を有している。クレジットカードは、信用に基づく後払い決済を可能にしたカードである。デビットカードは、預金口座に紐づけられ、預金口座から即時決済を可能にしたカードである。プリペイドカードは、予めカードに入金を行った、またはチャージ可能なカードである。バーチャルプリペイドカードは、プリペイドカードの一種であり、かつ、即時決済または後払決済が可能なカードである。ポイントは、例えば、スマートフォンなどの端末にインストール可能な決済サービスアプリケーション（スマホ決済アプリ）で利用可能な金融価値を有する電子マネーまたはマネーポイントである。 The payee designation unit 32 is a functional block for designating the payee of the prepaid salary. In this embodiment, the worker has a plurality of asset holding means such as a credit card, a debit card, a prepaid card, a virtual prepaid card, an electronic money account, and a point account in addition to a bank account. A credit card is a card that enables postpaid payment based on credit. A debit card is a card that is linked to a deposit account and enables immediate payment from the deposit account. A prepaid card is a card that has been pre-paid or rechargeable. A virtual prepaid card is a kind of prepaid card and is a card capable of immediate payment or postpaid payment. The points are, for example, electronic money or money points having a financial value that can be used in a payment service application (smartphone payment application) that can be installed on a terminal such as a smartphone.
　支払先指定部３２は、前払給与の支払先として、上記の複数の資産保有手段から入金もしくはチャージ可能な少なくとも１つを指定する。なお、前払給与の支払先は、前払給与の受け取る度に指定してもよいし、あらかじめ支払い先を設定してもよい。 The payee designation unit 32 designates at least one that can be deposited or charged from the above-mentioned plurality of asset holding means as the payee of the prepaid salary. The payee of the prepaid salary may be specified each time the prepaid salary is received, or the payee may be set in advance.
　（給与前払管理装置の機能）
　図１に示すように、給与前払管理装置２０は、機能ブロックとして、前払要求受付部２１と、勤怠情報取得部２２と、前払可否判断部２３と、支払処理実行部２４と、利用状況レポート作成部２５とを備えている。これらの機能ブロックは、例えば、給与前払管理装置２０の図示しないＣＰＵが所定のプログラムをメモリに読み出して実行することにより実現される。また、給与前払管理装置２０の図示しない補助記憶装置（ハードディスクドライブなど）には、前払サービス提供会社の口座の残高情報、給与前払サービスの利用状況に関する情報、労働者に関する情報（例えば、所属部署、社員番号（従業員コード）、氏名、給与口座情報（銀行コード、支店コード、口座種別、口座番号、口座名義等））、給与前払サービスに加盟している会社の情報（例えば、企業コード、振込依頼日時）などが記憶されている。なお、社員番号は、社員ＩＤであっても、社員ＩＤに紐づく番号であってもよい。 (Function of payroll prepayment management device)
As shown in FIG. 1, the salary prepayment management device 20 has, as functional blocks, a prepayment request reception unit 21, an attendance information acquisition unit 22, a prepayment availability determination unit 23, a payment processing execution unit 24, and a usage status report creation. It is provided with a unit 25. These functional blocks are realized, for example, by a CPU (not shown) of the payroll prepayment management device 20 reading a predetermined program into a memory and executing the program. Further, in the auxiliary storage device (hard disk drive, etc.) (not shown) of the payroll prepayment management device 20, information on the balance of the account of the prepayment service provider, information on the usage status of the payroll prepayment service, information on workers (for example, the department to which the prepayment service belongs, Employee number (employee code), name, payroll account information (bank code, branch code, account type, account number, account name, etc.), information on companies that are members of the payroll prepayment service (for example, company code, transfer) Request date and time) etc. are stored. The employee number may be an employee ID or a number associated with the employee ID.
　前払要求受付部２１は、利用者端末３０の前払要求送信部３１から送信される給与の前払要求を受け付ける機能ブロックである。前払要求には、企業コード、社員ＩＤ、前払要求金額、申請日時などの情報を含む。また、前払要求に、支払いの対象となる労働提供日や役務事項などの指定情報を含んでもよい。指定情報を含むことで、労働者への前払処理対応の自由度が高くなる。 The prepaid request receiving unit 21 is a functional block that receives a salary prepaid request transmitted from the prepaid request transmitting unit 31 of the user terminal 30. The prepaid request includes information such as a company code, an employee ID, a prepaid request amount, and an application date and time. In addition, the prepaid request may include designated information such as the labor provision date and service items to be paid. By including the designated information, the degree of freedom in dealing with prepaid processing for workers is increased.
　勤怠情報取得部２２は、労働者の勤怠情報を取得する機能ブロックである。本実施形態では、前払要求受付部２１が給与の前払要求を受け付けた場合、勤怠情報取得部２２は、前払要求に含まれる労働者のＩＤを抽出し、当該労働者の勤怠情報の取得要求を前記ＩＤとともに勤怠管理装置１０に送信する。これに応じて、勤怠管理装置１０の勤怠情報処理部１１は、ＩＤに対応する労働者の勤怠情報を給与前払管理装置２０に送信し、勤怠情報取得部２２は、当該勤怠情報を取得する。 The attendance information acquisition unit 22 is a functional block for acquiring the attendance information of workers. In the present embodiment, when the prepayment request receiving unit 21 receives the prepayment request for salary, the attendance information acquisition unit 22 extracts the ID of the worker included in the prepayment request and requests the acquisition of the attendance information of the worker. It is transmitted to the attendance management device 10 together with the ID. In response to this, the attendance information processing unit 11 of the attendance management device 10 transmits the attendance information of the worker corresponding to the ID to the payroll prepayment management device 20, and the attendance information acquisition unit 22 acquires the attendance information.
　なお、勤怠管理装置１０の勤怠情報処理部１１は、労働者の退勤打刻後に、更新した勤怠情報を即座に給与前払管理装置２０に送信してもよい。これにより、勤怠情報取得部２２は、常に最新の勤怠情報を取得することができる。 The attendance information processing unit 11 of the attendance management device 10 may immediately send the updated attendance information to the payroll prepayment management device 20 after the worker's departure is stamped. As a result, the attendance information acquisition unit 22 can always acquire the latest attendance information.
　前払可否判断部２３は、勤怠情報に基づいて、労働者への給与の前払の可否を判断する機能ブロックである。より具体的には、前払可否判断部２３は、労働者の勤怠情報に基づいて、前払いが可能な上限金額を計算し、前記前払要求における前払要求金額が前記上限金額以下である場合に、前払いが可能であると判断する。本実施形態では、前払可否判断部２３は、前払要求受付部２１が受け付けた前払要求に含まれる、労働者のＩＤ、支払いの対象となる労働提供日などの勤怠情報に基づき、前払いが可能な上限金額を計算し、前払要求における前払要求金額を上限金額と比較する。また、上記の指定情報が前払要求に付加されている場合、付加された指定情報も加味して前払いが可能な上限金額を計算し、前払要求における前払要求金額を上限金額と比較する。その結果、前払要求金額が上限金額以下であれば、前払可否判断部２３は、前払いが可能であると判断する。一方、前払要求金額が上限金額を超えている場合、前払可否判断部２３は、前払いが不可であると判断する。前払可否判断部２３の判断結果は、支払処理実行部２４に入力されるとともに、利用者端末３０に通知される。 The prepayment approval / disapproval determination unit 23 is a functional block that determines whether or not the prepayment of salary to workers is possible based on attendance information. More specifically, the prepaid admissibility determination unit 23 calculates the maximum amount that can be prepaid based on the worker's attendance information, and when the prepaid request amount in the prepaid request is less than or equal to the maximum amount, the prepaid amount is prepaid. Is possible. In the present embodiment, the prepaid admissibility determination unit 23 can make a prepaid payment based on the attendance information such as the worker's ID and the labor provision date to be paid, which are included in the prepaid request received by the prepaid request receiving unit 21. Calculate the maximum amount and compare the prepaid request amount in the prepaid request with the maximum amount. When the above-mentioned designated information is added to the prepaid request, the maximum amount of money that can be prepaid is calculated in consideration of the added designated information, and the prepaid request amount in the prepaid request is compared with the maximum amount. As a result, if the prepaid request amount is equal to or less than the upper limit amount, the prepaid admissibility determination unit 23 determines that the prepaid amount is possible. On the other hand, when the prepaid request amount exceeds the upper limit amount, the prepaid admissibility determination unit 23 determines that the prepaid amount is not possible. The determination result of the prepaid admissibility determination unit 23 is input to the payment processing execution unit 24 and notified to the user terminal 30.
　前払いが可能と判断された場合、利用者端末３０には、支払先を選択するための画面が表示され、支払先指定部３２は、労働者の当該画面に対する操作に応じて、複数の資産保有手段から支払先（銀行口座、バーチャルプリペイドカード、プリペイドカード、電子マネー口座、ポイント口座など）を指定する。支払先は複数指定することも可能であり、その場合、各支払先への入金希望額を指定することができる。支払先（および各支払先への入金希望額）が指定されると、支払先指定部３２は、これらの支払先情報を給与前払管理装置２０に送信する。なお、前払いが不可と判断された場合には、利用者端末３０には、支払いが不可能である旨のメッセージ等が表示される。 When it is determined that prepayment is possible, the user terminal 30 displays a screen for selecting a payee, and the payee designation unit 32 holds a plurality of assets according to the worker's operation on the screen. Specify the payment destination (bank account, virtual prepaid card, prepaid card, electronic money account, point account, etc.) from the means. It is possible to specify multiple payees, in which case the desired amount of payment to each payee can be specified. When the payee (and the desired amount of payment to each payee) is specified, the payee designation unit 32 transmits the payee information to the payroll prepayment management device 20. If it is determined that prepayment is not possible, a message or the like indicating that payment is not possible is displayed on the user terminal 30.
　支払処理実行部２４は、前払が可能と判断された場合に、労働者への前払給与の支払処理を実行する機能ブロックである。本実施形態では、支払処理実行部２４は、前払可否判断部２３から前払いが可能との判断結果を受け付け、かつ、利用者端末３０から支払先情報を受け付けると、支払先情報に含まれる支払先への支払処理を実行する。例えば、支払先が労働者の銀行口座である場合、支払処理実行部２４は、前払サービス提供会社の口座から労働者の銀行口座に前払要求金額を送金する。支払先がバーチャルプリペイドカードやプリペイドカードの場合、支払処理実行部２４は、労働者のバーチャルプリペイドカードやプリペイドカードに前払要求金額をチャージする。支払処理が完了すると、支払処理実行部２４は、支払処理が完了した旨の通知（前払完了通知）を利用者端末３０に送信する。また、支払処理実行部２４は、支払先に支払った金額を、支払日時、労働者のＩＤなどと関連付けて利用情報を作成し、当該利用情報を利用状況レポート作成部２５に出力する。 The payment processing execution unit 24 is a functional block that executes payment processing of prepaid salary to workers when it is determined that prepaid payment is possible. In the present embodiment, when the payment processing execution unit 24 receives the determination result that the prepayment is possible from the prepayment availability determination unit 23 and receives the payment destination information from the user terminal 30, the payment destination included in the payment destination information Perform payment processing to. For example, when the payee is the worker's bank account, the payment processing execution unit 24 remits the prepayment request amount from the account of the prepayment service provider to the worker's bank account. When the payee is a virtual prepaid card or a prepaid card, the payment processing execution unit 24 charges the worker's virtual prepaid card or prepaid card with the prepaid request amount. When the payment processing is completed, the payment processing execution unit 24 sends a notification (prepaid completion notification) to the user terminal 30 that the payment processing is completed. Further, the payment processing execution unit 24 creates usage information by associating the amount paid to the payee with the payment date and time, the worker's ID, and the like, and outputs the usage information to the usage status report creation unit 25.
　利用状況レポート作成部２５は、支払処理実行部２４が支払処理を行う度に、上述の、利用情報を受け付け、所定期間（例えば１ヶ月）における利用情報をまとめた利用状況レポートを作成する。利用状況レポートには、給与前払サービスに加盟し、給与前払管理装置２０に通信可能に接続されている勤怠管理装置１０で労働者の勤怠管理を行っているクライアント（企業）ごとに、企業に勤務する労働者に前払いした合計金額（立替金）が含まれている。なお、利用状況レポートに、システム利用料や振込代行費用をさらに含めてもよい。 The usage status report creation unit 25 receives the above-mentioned usage information each time the payment processing execution unit 24 performs payment processing, and creates a usage status report summarizing the usage information in a predetermined period (for example, one month). In the usage report, each client (company) who is a member of the payroll prepayment service and manages the attendance of workers by the attendance management device 10 communicably connected to the payroll prepayment management device 20 works for the company. Includes the total amount (advance payment) paid in advance to the worker. The usage status report may further include the system usage fee and the transfer agency fee.
　利用状況レポート作成部２５は、勤怠管理装置１０に利用状況レポートを定期的に送信することにより、企業に立替金（前払金）を請求する。これに応じて、勤怠管理装置１０の預託処理部１２は、勤務会社の給与支払用の口座から前払サービス提供会社の口座に立替金に対応する金額を入金するように、口座を管理する金融機関に依頼する。 The usage status report creation unit 25 periodically sends a usage status report to the attendance management device 10 to request an advance payment (advance payment) from the company. In response to this, the deposit processing unit 12 of the attendance management device 10 manages the account so that the amount corresponding to the advance payment is deposited from the salary payment account of the working company to the account of the prepaid service provider. To ask.
　（処理手順）
　以下、本実施形態に係る給与前払管理方法における、労働者への給与の支払い処理の手順について、図２を参照して説明する。 (Processing procedure)
Hereinafter, the procedure for processing salary payments to workers in the salary prepayment management method according to the present embodiment will be described with reference to FIG.
　利用者端末３０の前払要求送信部３１は、労働者による操作に応じて、給与前払管理装置２０に給与の前払要求を送信する（ステップＳ１）。 The prepayment request transmission unit 31 of the user terminal 30 transmits a prepayment request for salary to the salary prepayment management device 20 in response to an operation by the worker (step S1).
　これに応じて、給与前払管理装置２０では、前払要求受付部２１が給与の前払要求を受け付ける（ステップＳ２、前払要求受付ステップ）。続いて、勤怠情報取得部２２が、前払要求に含まれる労働者のＩＤを抽出し、当該労働者の勤怠情報の取得要求を前記ＩＤとともに勤怠管理装置１０に送信する（ステップＳ３）。 In response to this, in the salary prepayment management device 20, the prepayment request receiving unit 21 receives the prepayment request for salary (step S2, prepayment request receiving step). Subsequently, the attendance information acquisition unit 22 extracts the ID of the worker included in the prepaid request, and transmits the acquisition request of the attendance information of the worker to the attendance management device 10 together with the ID (step S3).
　これに応じて、勤怠管理装置１０では、勤怠情報処理部１１が、ＩＤに対応する労働者の勤怠情報を給与前払管理装置２０に送信し（ステップＳ４）、給与前払管理装置２０では、勤怠情報取得部２２が当該勤怠情報を取得する（ステップＳ５、勤怠情報取得ステップ）。なお、本実施の形態では、ステップＳ１～ステップＳ５に示すように、給与前払管理装置２０は、利用者端末３０から前払要求を受け付けてから、勤怠管理装置１０から勤怠情報を取得しているが、これに限定されるものではなく、前もって勤怠管理装置１０から勤怠情報を取得し、給与前払管理装置２０に備えた図示しない勤怠情報格納部にて勤怠情報を記録し、予め設定した期間毎に勤怠情報を更新してもよい。この場合、給与前払管理装置２０は、利用者端末３０から前払要求を受け付けると勤怠情報格納部に記録されている勤怠情報からＩＤに対応する労働者の勤怠情報を抽出する。このＩＤに対応する労働者の勤怠情報の抽出によれば、労働者から前払要求があった際に、勤怠管理装置１０が稼働していなくても、給与前払管理装置２０において前払要求に対応することができる。 In response to this, in the attendance management device 10, the attendance information processing unit 11 transmits the attendance information of the worker corresponding to the ID to the payroll prepayment management device 20 (step S4), and in the payroll prepayment management device 20, the attendance information. The acquisition unit 22 acquires the attendance information (step S5, attendance information acquisition step). In the present embodiment, as shown in steps S1 to S5, the salary prepayment management device 20 acquires the attendance information from the attendance management device 10 after receiving the prepayment request from the user terminal 30. , Not limited to this, attendance information is acquired from the attendance management device 10 in advance, attendance information is recorded in an attendance information storage unit (not shown) provided in the payroll prepaid management device 20, and every preset period. Attendance information may be updated. In this case, when the salary prepayment management device 20 receives the prepayment request from the user terminal 30, the payroll prepayment management device 20 extracts the attendance information of the worker corresponding to the ID from the attendance information recorded in the attendance information storage unit. According to the extraction of the worker's attendance information corresponding to this ID, when the worker makes a prepayment request, the salary prepayment management device 20 responds to the prepayment request even if the attendance management device 10 is not operating. be able to.
　続いて、給与前払管理装置２０の前払可否判断部２３が、勤怠情報に基づいて、労働者への給与の前払の可否を判断し、判断結果を支払処理実行部２４に出力するとともに、利用者端末３０に通知する（ステップＳ６、前払可否判断ステップ）。 Subsequently, the prepaid admissibility determination unit 23 of the salary prepaid management device 20 determines whether or not the salary can be prepaid to the worker based on the attendance information, outputs the determination result to the payment processing execution unit 24, and outputs the determination result to the user. Notify the terminal 30 (step S6, advance payment admissibility determination step).
　前払いが可能と判断された場合、利用者端末３０の支払先指定部３２が、労働者の操作に応じて、前払給与の支払先（および各支払先への入金希望額）を指定し、支払先情報を給与前払管理装置２０に送信する（ステップＳ７）。ステップＳ７に関して、支払先指定部３２において、ステップＳ１より前にあらかじめ支払い先を設定している場合、ステップＳ７は省略する。 When it is determined that prepaid payment is possible, the payee designation unit 32 of the user terminal 30 specifies the payee of the prepaid salary (and the desired amount of payment to each payee) according to the operation of the worker and pays. The advance information is transmitted to the payroll prepayment management device 20 (step S7). Regarding step S7, if the payee is set in advance in the payee designation unit 32 before step S1, step S7 is omitted.
　これに応じて、給与前払管理装置２０では、支払処理実行部２４が、支払先情報に含まれる支払先への支払処理を実行し（ステップＳ８、支払処理実行ステップ）、支払処理が完了すると、前払完了通知を利用者端末３０に送信する（ステップＳ９）。その後、利用状況レポート作成部２５が所定期間における利用情報をまとめた利用状況レポートを作成して、勤怠管理装置１０に定期的に送信する（ステップＳ１０）。 In response to this, in the payroll prepayment management device 20, the payment processing execution unit 24 executes payment processing to the payee included in the payee information (step S8, payment processing execution step), and when the payment processing is completed, A prepayment completion notification is transmitted to the user terminal 30 (step S9). After that, the usage status report creation unit 25 creates a usage status report summarizing the usage information in a predetermined period and periodically transmits it to the attendance management device 10 (step S10).
　これに応じて、勤怠管理装置１０では、預託処理部１２が会社の給与支払用の口座から前払サービス提供会社の口座に立替金（前払金）に対応する金額を入金するように、口座を管理する金融機関に依頼する（ステップＳ１１）。 In response to this, the attendance management device 10 manages the account so that the deposit processing unit 12 deposits the amount corresponding to the advance payment (advance payment) from the company's salary payment account to the account of the prepaid service provider. Ask the financial institution to do so (step S11).
　（小括）
　以上のように、本実施形態では、労働者が利用者端末３０を操作するだけで、給与前払管理装置２０が前払給与の支払処理を行う。よって、労働者は、既に提供した労働に対する給与を容易に受け取ることができる。 (Brief Summary)
As described above, in the present embodiment, the salary prepayment management device 20 performs the payment processing of the prepayment salary only by the worker operating the user terminal 30. Therefore, the worker can easily receive the salary for the labor already provided.
　また、上記の構成を含む給与前払管理装置２０は、給与の前払を行うことに特化した装置であり、給与の一部もしくは全ての前払いを行う。このように、給与前払管理装置２０によれば、予め設定した支払い日以前に、労働者が既に企業に提供した労働に対する支払いを行うことができ、労働者にとって自らの意思で給与の支払いをフレキシブルに設定することができる。 Further, the salary prepayment management device 20 including the above configuration is a device specialized for making prepayment of salary, and prepays a part or all of salary. In this way, according to the salary prepayment management device 20, the worker can pay for the labor already provided to the company before the preset payment date, and the worker can flexibly pay the salary at his / her own will. Can be set to.
　［第２の実施形態］
　以下、本発明の第２の実施形態について説明する。なお、第１の実施形態におけるものと同一の機能を有する部材は、同一の作用効果を有する。そこで、第１の実施形態におけるものと同一の機能を有する部材については、同一の符号を付し、その説明を省略する。 [Second Embodiment]
Hereinafter, a second embodiment of the present invention will be described. The members having the same functions as those in the first embodiment have the same effects. Therefore, the members having the same functions as those in the first embodiment are designated by the same reference numerals, and the description thereof will be omitted.
　図３は、第２の実施形態に係る給与前払システム２００の概略構成を示すブロック図である。給与前払システム２００は、第１の実施形態に係る給与前払システム１００と同様、企業に労働を提供する労働者への給与の支払いを管理するシステムであり、特に、労働者が既に提供した労働に対する給与を前払いで受け取る給与前払サービスを可能とする。 FIG. 3 is a block diagram showing a schematic configuration of the salary prepayment system 200 according to the second embodiment. The salary prepayment system 200, like the salary prepayment system 100 according to the first embodiment, is a system for managing salary payments to workers who provide labor to a company, and in particular, for labor already provided by the workers. Enables a payroll prepayment service that receives payroll in advance.
　図３に示すように、給与前払システム２００は、勤怠管理装置１０と、給与前払管理装置２０’と、利用者端末３０と、支払処理装置４０とを備えている。勤怠管理装置１０、利用者端末３０および支払処理装置４０は、インターネット等の通信ネットワークを介して、給与前払管理装置２０’と通信可能に接続されている。勤怠管理装置１０および利用者端末３０は、第１の実施形態におけるものと同一である。 As shown in FIG. 3, the payroll prepayment system 200 includes an attendance management device 10, a payroll prepayment management device 20', a user terminal 30, and a payment processing device 40. The attendance management device 10, the user terminal 30, and the payment processing device 40 are communicably connected to the payroll prepayment management device 20'via a communication network such as the Internet. The attendance management device 10 and the user terminal 30 are the same as those in the first embodiment.
　給与前払管理装置２０’は、機能ブロックとして、前払要求受付部２１と、勤怠情報取得部２２と、前払可否判断部２３と、支払処理申請部２６と、利用状況レポート作成部２５とを備えている。すなわち、給与前払管理装置２０’は、第１の実施形態における給与前払管理装置２０において、支払処理実行部２４を支払処理申請部２６に置き換えた構成である。 The salary prepayment management device 20'includes a prepayment request reception unit 21, an attendance information acquisition unit 22, a prepayment availability determination unit 23, a payment processing application unit 26, and a usage status report creation unit 25 as functional blocks. There is. That is, the salary prepayment management device 20'has a configuration in which the payment processing execution unit 24 is replaced with the payment processing application unit 26 in the salary prepayment management device 20 according to the first embodiment.
　支払処理申請部２６は、前払可否判断部２３によって給与の前払が可能と判断された場合に、労働者への前払給与の支払処理を支払処理装置４０に申請する機能ブロックである。すなわち、本実施形態では、給与の前払処理を、給与前払管理装置２０’ではなく、支払処理装置４０に実行させる。支払処理申請部２６は、前払可否判断部２３から前払いが可能との判断結果を受け付け、かつ、利用者端末３０から支払先情報を受け付けると、支払先情報および前払要求金額を含む支払処理申請を支払処理装置４０に送信する。 The payment processing application unit 26 is a functional block that applies to the payment processing device 40 for payment processing of the prepaid salary to the worker when the prepaid admissibility determination unit 23 determines that the prepaid salary can be paid in advance. That is, in the present embodiment, the payroll prepayment process is executed by the payroll prepayment device 40 instead of the payroll prepayment management device 20'. When the payment processing application unit 26 receives the determination result that the prepayment is possible from the prepayment availability judgment unit 23 and receives the payment destination information from the user terminal 30, the payment processing application unit 26 receives the payment processing application including the payment destination information and the prepayment request amount. It is transmitted to the payment processing device 40.
　支払処理装置４０は、給与前払装置２０’を管理し前払サービスを運営する前払サービス提供会社とは異なる給与支払いを行う給与支払サービスを提供する支払サービス提供会社が管理するコンピュータである。支払処理装置４０は、機能ブロックとして、申請受付部４１と、支払処理実行部４２とを備えている。 The payment processing device 40 is a computer managed by a payment service provider that manages the payroll prepayment device 20'and provides a payroll service that pays a salary different from the prepayment service provider that operates the prepayment service. The payment processing device 40 includes an application receiving unit 41 and a payment processing executing unit 42 as functional blocks.
　申請受付部４１は、給与前払管理装置２０’の支払処理申請部２６から送信された支払処理申請を受け付ける。支払処理申請には、例えば、振込先情報（銀行コード、支店コード、口座種別、口座番号、口座名義等）、振込金額、振込日（原則最短）等が含まれている。 The application reception unit 41 accepts the payment processing application transmitted from the payment processing application unit 26 of the payroll prepayment management device 20'. The payment processing application includes, for example, transfer destination information (bank code, branch code, account type, account number, account name, etc.), transfer amount, transfer date (shortest in principle), and the like.
　支払処理実行部４２は、申請受付部４１からの支払処理申請に基づき、労働者への前払給与の支払処理を実行する。支払処理実行部４２の機能は、第１の実施形態における給与前払管理装置２０の支払処理実行部２４と同様である。例えば、支払先が労働者の銀行口座である場合、支払処理実行部４２は、支払サービス提供会社の口座から労働者の銀行口座に前払要求金額を送金する。支払先がバーチャルプリペイドカードやプリペイドカードの場合、支払処理実行部４２は、労働者のバーチャルプリペイドカードやプリペイドカードに前払要求金額をチャージする。支払処理が完了すると、支払処理実行部４２は、支払処理が完了した旨の通知（前払完了通知）を利用者端末３０に送信する。同時に、支払処理実行部４２は、支払金額、支払日時、労働者のＩＤなどの利用情報を前払完了通知とともに給与前払管理装置２０’に送信する。 The payment processing execution unit 42 executes payment processing of the prepaid salary to the worker based on the payment processing application from the application reception unit 41. The function of the payment processing execution unit 42 is the same as that of the payment processing execution unit 24 of the payroll prepayment management device 20 in the first embodiment. For example, when the payee is a worker's bank account, the payment processing execution unit 42 remits the prepayment request amount from the account of the payment service provider to the worker's bank account. When the payee is a virtual prepaid card or a prepaid card, the payment processing execution unit 42 charges the worker's virtual prepaid card or prepaid card with the prepaid request amount. When the payment processing is completed, the payment processing execution unit 42 transmits a notification (prepaid completion notification) to the user terminal 30 that the payment processing is completed. At the same time, the payment processing execution unit 42 transmits usage information such as the payment amount, the payment date and time, and the worker's ID to the salary prepayment management device 20'along with the prepayment completion notification.
　給与前払管理装置２０’の利用状況レポート作成部２５は、支払処理実行部４２からの利用情報を受け付け、所定期間（例えば１ヶ月）における利用情報をまとめた利用状況レポートを作成する。 The usage status report creation unit 25 of the salary prepayment management device 20'receives usage information from the payment processing execution unit 42, and creates a usage status report summarizing the usage information for a predetermined period (for example, one month).
　なお、支払処理装置４０を管理する支払サービス提供会社は、労働者への前払金を立て替えることになるが、立替金（前払金）は、前払サービス提供会社に所定期間ごとにまとめて請求してもよいし、勤務会社に請求してもよい。 The payment service provider that manages the payment processing device 40 will reimburse the advance payment to the workers, but the advance payment (advance payment) will be billed to the prepaid service provider at regular intervals. You may charge the company you work for.
　（処理手順）
　以下、本実施形態に係る給与前払管理方法における、労働者への給与の支払い処理の手順について、図４を参照して説明する。 (Processing procedure)
Hereinafter, the procedure for processing salary payments to workers in the salary prepayment management method according to the present embodiment will be described with reference to FIG.
　ステップＳ１～Ｓ７の処理は、第１の実施形態におけるものと同一である。ステップＳ７に続いて、ステップＳ７－１では、給与前払管理装置２０’において、支払処理申請部２６が、支払処理を支払処理装置４０に申請する。 The processing of steps S1 to S7 is the same as that in the first embodiment. Following step S7, in step S7-1, in the payroll prepayment management device 20', the payment processing application unit 26 applies for payment processing to the payment processing device 40.
　これに応じて、支払処理装置４０では、申請受付部４１が支払処理申請部２６から送信された支払処理申請を受け付ける（ステップＳ７－２）。その後、支払処理実行部４２が、申請受付部４１からの支払処理申請に基づき、労働者への前払給与の支払処理を実行する（ステップＳ８’）。支払処理が完了すると、支払処理実行部４２は前払完了通知を給与前払管理装置２０’および利用者端末３０に送信する（ステップＳ９’）。 In response to this, in the payment processing device 40, the application receiving unit 41 accepts the payment processing application transmitted from the payment processing application unit 26 (step S7-2). After that, the payment processing execution unit 42 executes payment processing of the prepaid salary to the worker based on the payment processing application from the application reception unit 41 (step S8'). When the payment processing is completed, the payment processing execution unit 42 transmits the prepaid payment completion notification to the salary prepaid management device 20'and the user terminal 30 (step S9').
　その後のステップＳ１０およびＳ１１は、第１の実施形態におけるものと同一である。 Subsequent steps S10 and S11 are the same as those in the first embodiment.
　（小括）
　以上のように、本実施形態では、労働者が利用者端末３０を操作するだけで、給与前払管理装置２０を介して支払処理装置４０が前払給与の支払処理を行う。よって、労働者は、既に提供した労働に対する給与を容易に受け取ることができる。 (Brief Summary)
As described above, in the present embodiment, the payment processing device 40 performs the payment processing of the prepaid salary via the salary prepaid management device 20 only by the worker operating the user terminal 30. Therefore, the worker can easily receive the salary for the labor already provided.
　また、本実施形態では、第１の実施形態に比べて、給与前払管理装置２０’は図１に示す支払処理実行部２４の代わりに支払処理申請部２６を備えている点で異なり、給与前払管理装置２０’は、給与の支払い管理に特化した管理装置である。そのため、本実施形態では、給与前払管理装置２０’は、給与という勤怠情報に紐づく金融情報を取り扱うだけで、支払処理実行部２４が存在しないので、実際に貨幣などの金融資産を取り扱うことはない。その結果、給与前払管理装置２０’にトラブルが生じた場合でも、金融資産に直接影響が及びにくくなり、金融リスクを分散することができる。 Further, in the present embodiment, as compared with the first embodiment, the salary prepayment management device 20'is different in that the payment processing application unit 26 is provided instead of the payment processing execution unit 24 shown in FIG. The management device 20'is a management device specialized for payroll management. Therefore, in the present embodiment, the salary prepayment management device 20'only handles financial information associated with attendance information such as salary, and since the payment processing execution unit 24 does not exist, it is not possible to actually handle financial assets such as money. Absent. As a result, even if a trouble occurs in the payroll prepayment management device 20', the direct influence on the financial assets is less likely to be exerted, and the financial risk can be dispersed.
　また、支払実行を支払処理装置４０が行うため、本実施形態では給与の前払以外の支払い処理を行うこともできる。例えば、支払処理装置４０が、前払いの支払処理申請以外に、支払い日に支払う給与支払申請も受信することも可能である。この場合、支払処理実行部４２は、前払支払処理実行以外に、給与支払処理実行も併せて行うことができる。また、給与以外の別の資産の支払処理についても、他の資産管理装置に接続し、他の資産管理装置からの支払処理申請に基づき支払処理実行部４２が支払いを行ってもよい。ここでいう他の資産管理装置が管理する資産として、例えば、不動産所有管理装置などが管理する「給与」とは異なる不動産資産や、金融所有管理装置などが管理する株による投資資産や、電子マネー管理装置などが管理する電子マネーなどを挙げることができる。 Further, since the payment processing device 40 executes the payment, the payment processing other than the advance payment of the salary can be performed in the present embodiment. For example, the payment processing device 40 can receive a salary payment application to be paid on the payment date in addition to the prepaid payment processing application. In this case, the payment processing execution unit 42 can also execute the salary payment processing in addition to the execution of the prepaid payment processing. Further, for payment processing of other assets other than salary, the payment processing execution unit 42 may pay by connecting to another asset management device and based on a payment processing application from the other asset management device. Assets managed by other asset management devices here include, for example, real estate assets that are different from the "payment" managed by real estate ownership management devices, investment assets from stocks managed by financial ownership management devices, and electronic money. Examples include electronic money managed by a management device or the like.
　図５は、本発明の第２の実施形態の変形例に係る給与前払システム２００’の概略構成を示すブロック図である。給与前払システム２００’は、図３に示す給与前払システム２００において、他の資産管理装置である不動産所有管理装置５０と金融所有管理装置６０と電子マネー管理装置７０とをさらに備えた構成である。不動産所有管理装置５０、金融所有管理装置６０および電子マネー管理装置７０は、支払処理装置４０と通信可能に連携している。このように、本実施形態では、支払処理装置４０に給与前払管理装置２０’と不動産所有管理装置５０と金融所有管理装置６０と電子マネー管理装置７０とが連携した支払システムが構築されている。 FIG. 5 is a block diagram showing a schematic configuration of a payroll prepayment system 200 ′ according to a modified example of the second embodiment of the present invention. The payroll prepayment system 200'is a configuration in which the payroll prepayment system 200 shown in FIG. 3 is further provided with other asset management devices such as a real estate ownership management device 50, a financial ownership management device 60, and an electronic money management device 70. The real estate ownership management device 50, the financial ownership management device 60, and the electronic money management device 70 are communicably linked with the payment processing device 40. As described above, in the present embodiment, the payment processing device 40 is constructed with a payment system in which the payroll prepayment management device 20', the real estate ownership management device 50, the financial ownership management device 60, and the electronic money management device 70 are linked.
　不動産所有管理装置５０は、不動産資産に関連する資産の支払処理申請を支払処理装置４０に送信する。支払処理装置４０の申請受付部４１が支払処理申請を受け付けると、支払処理装置４０の支払処理実行部４２は不動産資産に関連する資産の支払処理実行を行う。支払処理が完了すると、支払処理実行部４２は、支払処理が完了した旨の通知（支払完了通知）を利用者端末３０に送信する。同時に、支払処理実行部４２は、支払日時、支払処理の利用ＩＤに紐づく不動産所有管理を行っている対象の利用者のＩＤなどの利用情報を支払完了通知とともに不動産所有管理装置５０に送信する。支払処理装置４０が不動産所有管理装置５０と送受信する情報は、上記の給与前払管理装置２０’と送受信する情報と同様であり、ここでの説明は省略する。 The real estate ownership management device 50 transmits a payment processing application for assets related to real estate assets to the payment processing device 40. When the application receiving unit 41 of the payment processing device 40 accepts the payment processing application, the payment processing execution unit 42 of the payment processing device 40 executes the payment processing of the assets related to the real estate assets. When the payment processing is completed, the payment processing execution unit 42 transmits a notification (payment completion notification) to the user terminal 30 that the payment processing is completed. At the same time, the payment processing execution unit 42 transmits usage information such as the payment date and time and the ID of the target user who manages the real estate ownership linked to the usage ID of the payment processing to the real estate ownership management device 50 together with the payment completion notification. .. The information sent and received by the payment processing device 40 to and from the real estate ownership management device 50 is the same as the information sent and received to and from the salary prepayment management device 20', and the description thereof is omitted here.
　なお、不動産所有管理を行っている対象の利用者は、労働者と同一人物である。本実施形態では、不動産所有管理の利用者のＩＤと、労働者のＩＤと、支払処理の利用ＩＤとが別々で存在し、支払処理装置４０は、支払処理の利用ＩＤをマスターＩＤとし、支払処理の利用ＩＤに、不動産所有管理の利用者のＩＤ及び労働者のＩＤを紐づけたユーザＩＤ情報Ｄ１をデータベース４３に記憶している。 The target user who manages real estate ownership is the same person as the worker. In the present embodiment, the ID of the user of real estate ownership management, the ID of the worker, and the usage ID of payment processing exist separately, and the payment processing device 40 uses the usage ID of payment processing as the master ID for payment. The user ID information D1 in which the user ID of the real estate ownership management and the worker ID are associated with the use ID of the process is stored in the database 43.
　金融所有管理装置６０は、金融資産に関連する資産の支払処理申請を支払処理装置４０に送信する。支払処理装置４０の申請受付部４１が支払処理申請を受け付けると、支払処理装置４０の支払処理実行部４２は金融資産に関連する資産の支払処理実行を行う。支払処理が完了すると、支払処理実行部４２は、支払完了通知を利用者端末３０に送信する。同時に、支払処理実行部４２は、支払日時、支払処理の利用ＩＤに紐づく金融所有管理を行っている対象の利用者のＩＤなどの利用情報を支払完了通知とともに金融所有管理装置６０に送信する。支払処理装置４０が金融所有管理装置６０と送受信する情報は、上記の給与前払管理装置２０’と送受信する情報と同様であり、ここでの説明は省略する。 The financial ownership management device 60 transmits a payment processing application for assets related to financial assets to the payment processing device 40. When the application receiving unit 41 of the payment processing device 40 receives the payment processing application, the payment processing execution unit 42 of the payment processing device 40 executes the payment processing of the assets related to the financial assets. When the payment processing is completed, the payment processing execution unit 42 transmits a payment completion notification to the user terminal 30. At the same time, the payment processing execution unit 42 transmits usage information such as the payment date and time and the ID of the target user who manages the financial ownership linked to the usage ID of the payment processing to the financial ownership management device 60 together with the payment completion notification. .. The information sent and received by the payment processing device 40 to and from the financial ownership management device 60 is the same as the information sent and received to and from the payroll prepayment management device 20', and the description thereof is omitted here.
　なお、金融所有管理を行っている対象の利用者は、労働者と同一人物である。本実施形態では、金融所有管理の利用者のＩＤと、労働者のＩＤと、支払処理の利用ＩＤとが別々で存在し、支払処理装置４０は、支払処理の利用ＩＤをマスターＩＤとし、支払処理の利用ＩＤに、金融所有管理の利用者のＩＤ及び労働者のＩＤを紐づけたユーザＩＤ情報Ｄ２をデータベース４３に記憶している。 The target user who manages financial ownership is the same person as the worker. In the present embodiment, the ID of the user of financial ownership management, the ID of the worker, and the usage ID of payment processing exist separately, and the payment processing device 40 uses the usage ID of payment processing as the master ID for payment. The user ID information D2 in which the user ID of the financial ownership management and the worker ID are associated with the use ID of the process is stored in the database 43.
　電子マネー所有管理装置７０は、電子マネーに関連する資産の支払処理申請を支払処理装置４０に送信する。支払処理装置４０の申請受付部４１が支払処理申請を受け付けると、支払処理装置４０の支払処理実行部４２は電子マネーに関連する資産の支払処理実行を行う。支払処理が完了すると、支払処理実行部４２は、支払完了通知を利用者端末３０に送信する。同時に、支払処理実行部４２は、支払日時、支払処理の利用ＩＤに紐づく電子マネー所有管理を行っている対象の利用者のＩＤなどの利用情報を支払完了通知とともに電子マネー所有管理装置７０に送信する。支払処理装置４０が電子マネー所有管理装置７０と送受信する情報は、上記の給与前払管理装置２０’と送受信する情報と同様であり、ここでの説明は省略する。 The electronic money ownership management device 70 transmits a payment processing application for assets related to electronic money to the payment processing device 40. When the application receiving unit 41 of the payment processing device 40 receives the payment processing application, the payment processing execution unit 42 of the payment processing device 40 executes the payment processing of the assets related to the electronic money. When the payment processing is completed, the payment processing execution unit 42 transmits a payment completion notification to the user terminal 30. At the same time, the payment processing execution unit 42 sends usage information such as the payment date and time and the ID of the target user who manages the electronic money possession linked to the usage ID of the payment processing to the electronic money ownership management device 70 together with the payment completion notification. Send. The information sent and received by the payment processing device 40 to and from the electronic money ownership management device 70 is the same as the information sent and received to and from the payroll prepayment management device 20', and the description thereof is omitted here.
　なお、電子マネー所有管理を行っている対象の利用者は、労働者と同一人物である。本実施形態では、電子マネー所有管理の利用者のＩＤと、労働者のＩＤと、支払処理の利用ＩＤとが別々で存在し、支払処理装置４０は、支払処理の利用ＩＤをマスターＩＤとし、支払処理の利用ＩＤに、電子マネー所有管理の利用者のＩＤ及び労働者のＩＤを紐づけたユーザＩＤ情報Ｄ３をデータベース４３に記憶している。 The target user who manages the ownership of electronic money is the same person as the worker. In the present embodiment, the user ID of the electronic money possession management, the worker ID, and the payment processing usage ID exist separately, and the payment processing device 40 uses the payment processing usage ID as the master ID. The user ID information D3 in which the user ID of the electronic money possession management and the worker ID are linked to the use ID of the payment process is stored in the database 43.
　このように、支払処理装置４０は、給与前払管理装置２０’から支払処理申請される支払い対応だけではなく、不動産所有管理装置５０、金融所有管理装置６０および電子マネー管理装置７０などの他の資産管理装置から支払処理申請される支払いにも対応する。なお、図５に示す変形例では、支払処理実行部４２の支払処理前において、利用者端末３０と他の資産管理装置（不動産所有管理装置５０、金融所有管理装置６０、電子マネー管理装置７０等）との間で、図３に示す上記前払要求に対応する支払要求や、図３に示す上記支払可否通知に対応する支払可否通知や、図３に示す上記支払先情報に対応する他の資産に関する支払先情報に関する情報の送受信を行ってもよい（図示省略）。 As described above, the payment processing device 40 is not only a payment handling application for payment processing from the payroll prepayment management device 20', but also other assets such as a real estate ownership management device 50, a financial ownership management device 60, and an electronic money management device 70. It also supports payments that are applied for payment processing from the management device. In the modified example shown in FIG. 5, before the payment processing of the payment processing execution unit 42, the user terminal 30 and other asset management devices (real estate ownership management device 50, financial ownership management device 60, electronic money management device 70, etc.) ), The payment request corresponding to the prepayment request shown in FIG. 3, the payment acceptance notification corresponding to the payment acceptance notification shown in FIG. 3, and other assets corresponding to the payment destination information shown in FIG. You may send and receive information about payee information (not shown).
　上記の通り、第１の実施形態では、支払処理装置４０が存在しないので、給与前払管理装置のみで給与の前払い以外の支払い処理を行うことができない。一方、本実施形態によれば、給与前払管理装置２０’と支払処理装置４０とを備えているので、給与の前払いを行うことができ、さらに、給与の前払い以外の支払いも可能となる。 As described above, in the first embodiment, since the payment processing device 40 does not exist, it is not possible to perform payment processing other than the salary prepayment only by the salary prepayment management device. On the other hand, according to the present embodiment, since the salary prepayment management device 20'and the payment processing device 40 are provided, the salary prepayment can be made, and further, the payment other than the salary prepayment can be made.
　［第３の実施形態］
　以下、本発明の第３の実施形態について説明する。なお、第１および第２の実施形態におけるものと同一の機能を有する部材は、同一の作用効果を有する。そこで、第１および第２の実施形態におけるものと同一の機能を有する部材については、同一の符号を付し、その説明を省略する。 [Third Embodiment]
Hereinafter, a third embodiment of the present invention will be described. The members having the same functions as those in the first and second embodiments have the same effects. Therefore, the members having the same functions as those in the first and second embodiments are designated by the same reference numerals, and the description thereof will be omitted.
　図６は、第３の実施形態に係る給与前払システム３００の概略構成を示すブロック図である。給与前払システム３００は、第１および第２の実施形態に係る給与前払システム１００，２００と同様、企業に労働を提供する労働者への給与の支払いを管理するシステムであり、特に、労働者が既に提供した労働に対する給与を前払いで受け取る給与前払サービスを可能とする。 FIG. 6 is a block diagram showing a schematic configuration of the salary prepayment system 300 according to the third embodiment. The salary prepayment system 300, like the salary prepayment systems 100 and 200 according to the first and second embodiments, is a system for managing salary payments to workers who provide labor to a company, and in particular, the workers Enables a payroll prepayment service that receives payroll in advance for the labor already provided.
　図６に示すように、給与前払システム３００は、勤怠管理装置１０と、給与前払管理装置２０”と、利用者端末３０と、支払処理装置４０とを備えている。勤怠管理装置１０、利用者端末３０および支払処理装置４０は、インターネット等の通信ネットワークを介して、給与前払管理装置２０”と通信可能に接続されている。勤怠管理装置１０および利用者端末３０は、第１の実施形態におけるものと同一であり、支払処理装置４０は、第２の実施形態におけるものと同一である。 As shown in FIG. 6, the payroll prepayment system 300 includes an attendance management device 10, a payroll prepayment management device 20 ”, a user terminal 30, and a payment processing device 40. Attendance management device 10, user. The terminal 30 and the payment processing device 40 are communicably connected to the payroll prepayment management device 20 ”via a communication network such as the Internet. The attendance management device 10 and the user terminal 30 are the same as those in the first embodiment, and the payment processing device 40 is the same as that in the second embodiment.
　給与前払管理装置２０”は、機能ブロックとして、前払要求受付部２１と、勤怠情報取得部２２と、前払可否判断部２３と、処理方法選択部２７と、支払処理実行部２４と、支払処理申請部２６と、利用状況レポート作成部２５とを備えている。すなわち、給与前払管理装置２０”は、第１の実施形態における給与前払管理装置２０において、支払処理申請部２６および処理方法選択部２７をさらに備えた構成である。 The salary prepayment management device 20 ”as a functional block, includes a prepayment request reception unit 21, an attendance information acquisition unit 22, a prepayment availability determination unit 23, a processing method selection unit 27, a payment processing execution unit 24, and a payment processing application. A unit 26 and a usage status report creation unit 25 are provided. That is, the salary prepayment management device 20 ”is the payment processing application unit 26 and the processing method selection unit 27 in the salary prepayment management device 20 according to the first embodiment. It is a configuration further equipped with.
　処理方法選択部２７は、前払可否判断部２３によって給与の前払が可能と判断された場合に、支払処理実行部２４による支払処理の実行、および、支払処理申請部２６による支払処理装置４０への申請のいずれを行うかを選択する機能ブロックである。支払処理実行部２４による支払処理の実行が選択された場合、支払処理実行部２４が支払処理を実行する（図２のステップＳ８）。支払処理申請部２６による支払処理装置４０への申請が選択された場合、支払処理申請部２６が支払処理を支払処理装置４０に申請し（図４のステップＳ７－１）、これに応じて、支払処理装置４０の申請受付部４１が支払処理申請を受け付け（図４のステップＳ７－２）、支払処理実行部４２が、労働者への前払給与の支払処理を実行する（図４のステップＳ８’）。 When the processing method selection unit 27 determines that the advance payment of salary is possible by the advance payment availability determination unit 23, the payment processing execution unit 24 executes the payment processing, and the payment processing application unit 26 sends the payment processing device 40 to the payment processing device 40. It is a functional block that selects which of the applications to make. When the payment processing execution unit 24 selects the execution of the payment processing, the payment processing execution unit 24 executes the payment processing (step S8 in FIG. 2). When the application to the payment processing device 40 by the payment processing application unit 26 is selected, the payment processing application unit 26 applies for the payment processing to the payment processing device 40 (step S7-1 in FIG. 4), and accordingly. The application receiving unit 41 of the payment processing device 40 accepts the payment processing application (step S7-2 in FIG. 4), and the payment processing execution unit 42 executes the payment processing of the prepaid salary to the worker (step S8 in FIG. 4). ').
　選択基準は特に限定されないが、例えば、通常は支払処理実行部２４による支払処理の実行を選択し、前払要求の件数が所定以上の場合に、支払処理申請部２６による支払処理装置への申請を選択するようにしてもよい。これにより、システムトラブル等による支払処理遅延のリスクを回避することができる。または、前払サービス提供会社が提供する前払サービスアプリケーションか、支払サービス提供会社が提供する支払サービスアプリケーションかを選択することができる。 The selection criteria are not particularly limited, but for example, when the payment processing execution unit 24 normally selects execution of payment processing and the number of prepaid requests is equal to or greater than a predetermined number, the payment processing application unit 26 applies to the payment processing device. You may choose. As a result, the risk of payment processing delay due to system trouble or the like can be avoided. Alternatively, the prepaid service application provided by the prepaid service provider or the payment service application provided by the payment service provider can be selected.
　本実施形態によれば、支払処理実行部２４を備えた給与前払管理装置２０”と、支払処理装置４０とを有するので、第１の実施形態による作用効果と、第２の実施形態による作用効果をともに持ち合わせる。また、給与前払管理装置２０”は、処理方法選択部２７をさらに備えているので、給与前払装置２０”と支払処理装置４０とによりフレキシブルに給与の前払いを行うことができる。例えば、労働者が、複数の給与前払管理装置２０”それぞれを適用した複数の決済サービスアプリケーションを利用している場合、支払処理実行は、１つの支払処理装置４０で対応することで、支払作業を簡素化することができる。この場合、支払処理装置４０による支払を選択することができる。一方、１つの給与前払管理装置２０”を適用した１つの決済サービスアプリケーションを利用している場合、支払処理実行は、１つの給与前払管理装置２０”により行うことで、２つの装置（給与前払管理装置２０”と支払処理装置４０）を両方用いることなく支払いを容易に行うことができる。 According to the present embodiment, since the payroll prepayment management device 20 ”provided with the payment processing execution unit 24 and the payment processing device 40 are provided, the operation and effect according to the first embodiment and the operation and effect according to the second embodiment. Further, since the salary prepayment management device 20 "further further includes a processing method selection unit 27, the salary prepayment device 20" and the payment processing device 40 can flexibly prepay the salary, for example. When a worker is using a plurality of payment service applications to which a plurality of payroll prepayment management devices 20 ”are applied, payment processing can be executed by one payment processing device 40, thereby simplifying the payment work. Can be transformed into. In this case, payment by the payment processing device 40 can be selected. On the other hand, when one payment service application to which one payroll prepayment management device 20 "is applied is used, payment processing is executed by one payroll prepayment management device 20", so that two devices (payroll prepayment management) are used. Payment can be easily made without using both the device 20 ”and the payment processing device 40).
　なお、処理方法選択部２７以外の機能ブロックについては、第１または第２の実施形態におけるものと同一であるため、シーケンス図を用いた処理手順の説明は省略する。 Since the functional blocks other than the processing method selection unit 27 are the same as those in the first or second embodiment, the description of the processing procedure using the sequence diagram will be omitted.
　（付記事項）
　この出願は、２０２０年１月８日に日本で出願された特願２０２０－００１７１５号に基づく優先権を請求する。これを参照することにより、その全ての内容は本出願に組み込まれるものである。 (Additional notes)
This application claims priority under Japanese Patent Application No. 2020-001715 filed in Japan on January 8, 2020. By reference to this, all its contents are incorporated into this application.
　本発明は、その精神または主要な特徴から逸脱することなく、他のいろいろな形で実施することができる。そのため、上述の実施形態はあらゆる点で単なる例示にすぎず、限定的に解釈してはならない。本発明の範囲は特許請求の範囲によって示すものであって、明細書本文には、なんら拘束されない。さらに、特許請求の範囲の均等範囲に属する変形や変更は、全て本発明の範囲内のものである。 The present invention can be implemented in various other forms without departing from its spirit or key features. Therefore, the above embodiments are merely exemplary in all respects and should not be construed in a limited way. The scope of the present invention is shown by the scope of claims, and is not bound by the text of the specification. Furthermore, all modifications and modifications that fall within the equivalent scope of the claims are within the scope of the present invention.
　すなわち、本発明は上記実施形態に限定されるものではなく、その趣旨を逸脱しない限りにおいて、種々の変更が可能である。 That is, the present invention is not limited to the above embodiment, and various modifications can be made without departing from the spirit of the present invention.
　例えば、前払可否判断部２３は、前払要求受付部２１が前払要求を受け付けた時点における実労働時間および前記労働者の時給に加え、労働者の給与の控除金額および手当金額を加味して、前払いが可能な上限金額を計算することが好ましい。すなわち、前払可否判断部２３は、前払いが可能な上限金額を計算するにあたって、労働者の給与以外の報酬をも考慮して上限金額を計算することが好ましい。具体的には、前払要求受付部２１が前払要求を受け付けた時点における実労働時間、および、労働者の時給に加え、所得税、社会保険料、積立金などの控除金額や、通勤手当、住宅手当などの手当金額を加味して、上限金額を計算する。また、給与とは異なる経費の立替を加味してもよく、給与とは別項目とした支払いとしてもよい。また、経費の立替に関する前払いは全額支払いを行ってもよい。 For example, the prepayment approval / disapproval determination unit 23 considers the actual working hours at the time when the prepayment request reception unit 21 receives the prepayment request and the hourly wage of the worker, as well as the deduction amount and the allowance amount of the worker's salary, and makes the prepayment. It is preferable to calculate the maximum amount that can be used. That is, it is preferable that the prepaid admissibility determination unit 23 calculates the maximum amount of money in consideration of remuneration other than the worker's salary when calculating the maximum amount of money that can be prepaid. Specifically, in addition to the actual working hours at the time when the prepaid request reception department 21 receives the prepaid request and the hourly wage of the worker, the deduction amount such as income tax, social insurance premium, reserve fund, commuting allowance, housing allowance, etc. Calculate the maximum amount by adding the allowance amount such as. In addition, reimbursement of expenses different from salary may be added, and payment may be made as a separate item from salary. In addition, the full amount may be paid in advance for the advance payment of expenses.
　また、前払可否判断部２３は、前払要求金額が上限金額以下であっても、所定の限度額を超えている場合は、前払いが不可であると判断することが好ましい。所定の限度額は、例えば、３万円にあらかじめ設定される。上記実施形態では、前払サービス提供会社が、所定期間における労働者への前払給与を立て替えているため、各労働者への支払金額に限度額を別途設けることにより、立替金額（前払金額）が過度に増大することによる立替金（前払金）の不払いリスクを減らすことができる。なお、限度額の設定は、前払サービス提供会社が行ってもよいし、クライアントまたは労働者が行ってもよい。 Further, it is preferable that the prepaid admissibility determination unit 23 determines that prepaid is not possible if the prepaid request amount is equal to or less than the upper limit but exceeds the predetermined limit. The predetermined limit is set in advance to, for example, 30,000 yen. In the above embodiment, since the prepaid service provider reimburses the prepaid salary to the workers in a predetermined period, the reimbursement amount (prepaid amount) is excessive by setting a separate limit on the payment amount to each worker. It is possible to reduce the risk of non-payment of advance payments (prepayments) due to the increase in payments. The limit may be set by the prepaid service provider, or by the client or worker.
　また、上記実施形態では、労働者が前払い給与を銀行口座への振込みや電子マネーとして受け取るが、その代わりに現金として受け取る形態としてもよい。この形態の場合、前払サービス提供会社の前払サービスアプリケーションや、その他の決済サービスアプリケーションを前記労働者の利用者端末にインストールし、インストールしたサービスアプリケーションを利用してもよい。具体的には、労働者へ給与を支払うための支払装置として、店舗において料金の精算を行うためのレジ装置、両替を行う両替装置、または旅券やチケットなどの券売装置を利用する。給与前払管理装置が、労働者の勤怠情報に基づいて、前記労働者への給与の前払の可否を判断するとともに、前払が可能と判断した場合に、前記労働者の利用者端末にインストールしたサービスアプリケーションに認証情報を送信する。そして、レジ装置、両替装置、または券売装置を用いて、認証情報に基づいて認証を行い、労働者へ給与を店員が現金で労働者に手渡しする。もしくはレジ装置、両替装置、または券売装置が現金を出力する。ここでいう認証情報として、コード認証情報などが挙げられる。 Further, in the above embodiment, the worker receives the prepaid salary as a transfer to a bank account or electronic money, but may receive it as cash instead. In this form, the prepaid service application of the prepaid service provider or other payment service application may be installed on the worker's user terminal and the installed service application may be used. Specifically, as a payment device for paying a salary to a worker, a cash register device for paying a fee at a store, a currency exchange device for exchanging money, or a ticket sales device such as a passport or a ticket is used. The salary prepayment management device determines whether or not the prepayment of salary to the worker is possible based on the worker's attendance information, and when it is determined that the prepayment is possible, the service installed on the user terminal of the worker. Send credentials to the application. Then, using a cash register device, a currency exchange device, or a ticket sales device, authentication is performed based on the authentication information, and the clerk hands the salary to the worker in cash. Alternatively, a cash register device, a currency exchange device, or a ticket sales device outputs cash. Examples of the authentication information referred to here include code authentication information.
　レジ装置は、物品やサービスを提供するあらゆる店舗に設置されているため、ＡＴＭよりも設置台数が多い。そのため労働者は、例えば、ＡＴＭが設置されていない店舗においても、前払いされた給与を現金として受け取ることができる。また、両替装置や発券機は、空港などの交通ターミナルや、繁華街などに設置されている。そのため労働者は、現金を利用する機会が多い場所において、現金を直接受け取ることができる。よって、労働者は、既に提供した労働に対する給与を、最も流動性の高い資産として迅速かつ容易に受け取ることができる。 Since cash register devices are installed in every store that provides goods and services, the number of cash register devices installed is larger than that of ATMs. Therefore, workers can receive prepaid salary as cash even in stores where ATMs are not installed, for example. In addition, currency exchange devices and ticketing machines are installed in transportation terminals such as airports and downtown areas. Therefore, workers can receive cash directly in places where they often use cash. Thus, workers can quickly and easily receive salaries for the labor they have already provided as the most liquid asset.
１０　　勤怠管理装置
１１　　勤怠情報処理部
１２　　預託処理部
２０　　給与前払管理装置
２０’　給与前払管理装置
２０”　給与前払管理装置
２１　　前払要求受付部
２２　　勤怠情報取得部
２３　　前払可否判断部
２４　　支払処理実行部
２５　　利用状況レポート作成部
２６　　支払処理申請部
２７　　処理方法選択部
３０　　利用者端末
３１　　前払要求送信部
３２　　支払先指定部
４０　　支払処理装置
４１　　申請受付部
４２　　支払処理実行部
４３　　データベース
５０　　不動産所有管理装置
６０　　金融所有管理装置
７０　　電子マネー所有管理装置
１００　給与前払システム
２００　給与前払システム
２００’　給与前払システム
３００　給与前払システム 10 Attendance management device 11 Attendance information processing unit 12 Deposit processing unit 20 Salary prepayment management device 20'Salary prepayment management device 20 ”Payment prepayment management device 21 prepayment request reception unit 22 Attendance information acquisition unit 23 Prepaid availability judgment unit 24 Payment processing execution unit 25 Usage status report creation unit 26 Payment processing application unit 27 Processing method selection unit 30 User terminal 31 Prepaid request transmission unit 32 Payee designation unit 40 Payment processing device 41 Application reception unit 42 Payment processing execution unit 43 Database 50 Real estate ownership management device 60 Financial ownership management device 70 Electronic money ownership management device 100 Payroll prepayment system 200 Payroll prepayment system 200'Payroll prepayment system 300 Payroll prepayment system

Claims (8)

  1. 　給与前払管理装置であって、
    　労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付部と、
    　前記労働者の勤怠情報を取得する勤怠情報取得部と、
    　前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断部と、
    　前払が可能と判断された場合に、前記労働者への前払給与の支払処理を実行する支払処理実行部と、
    を備えた給与前払管理装置。     It is a payroll prepayment management device
    The prepaid request reception department that accepts prepaid requests for salaries to the workers from terminals managed by the workers who provide the labor,
    The attendance information acquisition department that acquires the attendance information of the worker,
    Based on the attendance information, the prepayment availability judgment unit that determines whether or not the prepayment of salary to the worker is possible,
    A payment processing execution unit that executes payment processing of prepaid salary to the worker when it is determined that prepaid payment is possible.
    Payroll prepayment management device equipped with.
  2. 　給与前払管理装置であって、
    　労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付部と、
    　前記労働者の勤怠情報を取得する勤怠情報取得部と、
    　前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断部と、
    　前払が可能と判断された場合に、前記労働者への前払給与の支払処理を支払処理装置に申請する支払処理申請部と、
    を備えた給与前払管理装置。     It is a payroll prepayment management device
    The prepaid request reception department that accepts prepaid requests for salaries to the workers from terminals managed by the workers who provide the labor,
    The attendance information acquisition department that acquires the attendance information of the worker,
    Based on the attendance information, the prepayment availability judgment unit that determines whether or not the prepayment of salary to the worker is possible,
    When it is determined that prepaid payment is possible, the payment processing application department that applies to the payment processing device for payment processing of the prepaid salary to the worker, and
    Payroll prepayment management device equipped with.
  3. 　給与前払管理装置であって、
    　労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付部と、
    　前記労働者の勤怠情報を取得する勤怠情報取得部と、
    　前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断部と、
    　前記労働者への前払給与の支払処理を実行する支払処理実行部と、
    　前記労働者への前払給与の支払処理を支払処理装置に申請する支払処理申請部と、
    　前払が可能と判断された場合に、前記支払処理実行部による前記支払処理の実行、および、前記支払処理申請部による前記支払処理装置への申請のいずれを行うかを選択する処理方法選択部と、
    を備えた給与前払管理装置。     It is a payroll prepayment management device
    The prepaid request reception department that accepts prepaid requests for salaries to the workers from terminals managed by the workers who provide the labor,
    The attendance information acquisition department that acquires the attendance information of the worker,
    Based on the attendance information, the prepayment availability judgment unit that determines whether or not the prepayment of salary to the worker is possible,
    A payment processing execution unit that executes payment processing of prepaid salary to the worker,
    The payment processing application department that applies to the payment processing device for the payment processing of the prepaid salary to the worker,
    With a processing method selection unit that selects whether to execute the payment processing by the payment processing execution unit or to apply to the payment processing device by the payment processing application unit when it is determined that advance payment is possible. ,
    Payroll prepayment management device equipped with.
  4. 　前記前払可否判断部は、前記労働者の勤怠情報に基づいて、前払いが可能な上限金額を計算し、前記前払要求における前払要求金額が前記上限金額以下である場合に、前払いが可能であると判断する、請求項１～３のいずれかに記載の給与前払管理装置。 The prepaid admissibility determination unit calculates the maximum amount that can be prepaid based on the attendance information of the worker, and if the prepaid request amount in the prepaid request is less than or equal to the maximum amount, the prepaid amount is possible. The payroll prepayment management device according to any one of claims 1 to 3 to be determined.
  5. 　前記前払可否判断部は、前記前払要求受付部が前記前払要求を受け付けた時点における実労働時間および前記労働者の時給に加え、前記労働者の給与の控除金額および手当金額を加味して、前記上限金額を計算する、請求項４に記載の給与前払管理装置。 The prepaid admissibility determination unit considers the actual working hours at the time when the prepaid request receiving unit receives the prepaid request and the hourly wage of the worker, as well as the deduction amount and the allowance amount of the worker's salary. The payroll prepayment management device according to claim 4, which calculates the maximum amount.
  6. 　前記前払可否判断部は、前払要求金額が前記上限金額以下であっても、所定の限度額を超えている場合は、前払いが不可であると判断する、請求項５に記載の給与前払管理装置。 The salary prepayment management device according to claim 5, wherein the prepayment possibility determination unit determines that prepayment is not possible if the prepayment request amount is equal to or less than the upper limit amount but exceeds the predetermined limit amount. ..
  7. 　請求項１～６のいずれかに記載の給与前払管理装置の各部としてコンピュータを機能させるためのプログラム。 A program for operating a computer as each part of the payroll prepayment management device according to any one of claims 1 to 6.
  8. 　給与前払管理方法であって、
    　労働を提供する労働者が管理する端末から、前記労働者への給与の前払要求を受け付ける前払要求受付ステップと、
    　前記労働者の勤怠情報を取得する勤怠情報取得ステップと、
    　前記勤怠情報に基づいて、前記労働者への給与の前払の可否を判断する前払可否判断ステップと、
    　前払が可能と判断された場合に、前記労働者への前払給与の支払処理を実行する支払処理実行ステップと、
    を備えた給与前払管理方法。     It is a salary prepayment management method
    A prepaid request acceptance step that accepts a prepaid request for salary to the worker from a terminal managed by the worker who provides the labor, and
    The attendance information acquisition step for acquiring the attendance information of the worker, and
    Based on the attendance information, the prepayment availability determination step for determining whether or not to prepay the salary to the worker, and
    A payment processing execution step for executing payment processing of prepaid salary to the worker when it is determined that prepaid payment is possible, and
    Payroll prepayment management method with.
PCT/JP2021/000361 2020-01-08 2021-01-07 Pay prepayment management device, pay prepayment management method, and program WO2021141083A1 (en)

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