WO2021141083A1 - Dispositif de gestion de prépaiement de paye, procédé de gestion de prépaiement de paye et programme - Google Patents

Dispositif de gestion de prépaiement de paye, procédé de gestion de prépaiement de paye et programme Download PDF

Info

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
Authority
WO
WIPO (PCT)
Prior art keywords
prepayment
prepaid
worker
payment processing
salary
Prior art date
Application number
PCT/JP2021/000361
Other languages
English (en)
Japanese (ja)
Inventor
敦士 小口
佐々木　裕
宏太郎 柏井
Original Assignee
株式会社ｅｎｉｇｍａ
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 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/fr

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—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

Landscapes

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

Abstract

La présente invention concerne un dispositif de gestion de prépaiement de paye qui permet à un ouvrier de recevoir rapidement et facilement une paye pour un travail déjà fourni.　Le dispositif de gestion de prépaiement de paye comprend : une unité de réception de requête de prépaiement qui reçoit, depuis un terminal géré par un ouvrier qui fournit un travail, une requête de prépaiement de paye à l'ouvrier ; une unité d'acquisition d'informations de présence qui acquiert des informations de présence concernant l'ouvrier ; une unité de détermination de possibilité de prépaiement qui détermine s'il est possible de réaliser un prépaiement de paye à l'ouvrier sur la base des informations de présence ; et une unité d'exécution de traitement de paiement qui exécute un traitement de paiement pour le prépaiement à l'ouvrier lorsqu'il est déterminé qu'un prépaiement est possible.
PCT/JP2021/000361 2020-01-08 2021-01-07 Dispositif de gestion de prépaiement de paye, procédé de gestion de prépaiement de paye et programme WO2021141083A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
JP2021570084A JPWO2021141083A1 (fr) 2020-01-08 2021-01-07

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2020001715 2020-01-08
JP2020-001715 2020-01-08

Publications (1)

Publication Number Publication Date
WO2021141083A1 true WO2021141083A1 (fr) 2021-07-15

Family

ID=76788062

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/JP2021/000361 WO2021141083A1 (fr) 2020-01-08 2021-01-07 Dispositif de gestion de prépaiement de paye, procédé de gestion de prépaiement de paye et programme

Country Status (2)

Country Link
JP (1) JPWO2021141083A1 (fr)
WO (1) WO2021141083A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2018055447A (ja) * 2016-09-29 2018-04-05 株式会社三井住友銀行 支払い手段切替システム、方法、およびプログラム
JP6437155B1 (ja) * 2018-07-17 2018-12-12 佐藤　崇 支払管理サーバ、支払管理システム、支払管理方法及び支払管理プログラム
JP2019061526A (ja) * 2017-09-27 2019-04-18 株式会社クレディセゾン 給与受取システム、給与受取方法、及びプログラム
JP2019082972A (ja) * 2017-10-31 2019-05-30 株式会社ｊｉｎｚｙ 管理装置、管理方法、管理プログラム及び管理システム

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2018055447A (ja) * 2016-09-29 2018-04-05 株式会社三井住友銀行 支払い手段切替システム、方法、およびプログラム
JP2019061526A (ja) * 2017-09-27 2019-04-18 株式会社クレディセゾン 給与受取システム、給与受取方法、及びプログラム
JP2019082972A (ja) * 2017-10-31 2019-05-30 株式会社ｊｉｎｚｙ 管理装置、管理方法、管理プログラム及び管理システム
JP6437155B1 (ja) * 2018-07-17 2018-12-12 佐藤　崇 支払管理サーバ、支払管理システム、支払管理方法及び支払管理プログラム

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
ANONYMOUS: "Enigma provided by salary prepayment service 'enigma pay' and Japan Net Bank makes a payment tie-up", ENIGMA PAYENIGMA, 26 March 2019 (2019-03-26), pages 1 - 3, Retrieved from the Internet <URL:https://web.archive.org/web/20190326130021/https://prtimes.jp/main/html/rd/p/000000002.000027594.html> [retrieved on 20210326] *
ANONYMOUS: "Prepaid service, also available on Galapagos phones", WEB.ARCHIVE, 11 June 2019 (2019-06-11), pages 1 - 2, Retrieved from the Internet <URL:https://web.archive.org/web/20190611164025/https://weekly-net.co.jpnews/44164> [retrieved on 20210326] *

Also Published As

Publication number Publication date
JPWO2021141083A1 (fr) 2021-07-15

Similar Documents

Publication Publication Date Title
JP6007303B2 (ja) 管理装置及び管理方法
JP6431568B1 (ja) 給与管理装置、方法、及びコンピュータプログラム
TWI743211B (zh) 資金需求對應服務提供系統、方法、經營者伺服器、及程式
JP6942355B2 (ja) 給与管理装置、方法、及びコンピュータプログラム
JP6412040B2 (ja) 決済処理装置、方法、及びコンピュータプログラム
US20140180919A1 (en) Push Payment System and Method
US20080270304A1 (en) Funds transfer system and method
US20060212393A1 (en) Payment system and method
JP6437155B1 (ja) 支払管理サーバ、支払管理システム、支払管理方法及び支払管理プログラム
JP2020004143A (ja) 給与前払システム
JP2020187584A (ja) 複数の支払・決済手段を用いた請求・決済システム、方法およびプログラム
JP6762391B2 (ja) キャッシュレス割り勘方法、プログラム、およびコンピュータ
JP7210251B2 (ja) 決済業務支援システムおよび決済業務支援方法
US20110238540A1 (en) Financial account management based on specified criteria
JP2002312554A (ja) 経費精算方法、経費精算システム及び経費精算プログラム
JP7191161B1 (ja) 金融機関システム、支払方法、及びプログラム
WO2021141083A1 (fr) Dispositif de gestion de prépaiement de paye, procédé de gestion de prépaiement de paye et programme
JP6058620B2 (ja) 融資取引の自動実行システムおよび方法
WO2021153737A1 (fr) Dispositif de gestion de prépaiement de salaire, dispositif de gestion de paiement différé de salaire, dispositif de gestion de paiement de salaire, procédé de gestion de paiement de salaire et programme de gestion de paiement de salaire
KR102490835B1 (ko) 업무 관리 시스템
EP2355029A1 (fr) Système de paiement et de compensation électronique
JP7162791B1 (ja) 情報処理装置、情報処理方法、およびプログラム
WO2016148293A1 (fr) Dispositif et procédé de traitement de règlement, et programme informatique
JPWO2018020562A1 (ja) 積立購入システム、積立購入方法、積立購入装置、及びコンピュータプログラム
WO2019239959A1 (fr) Système de traitement de prêt de fonds à une institution financière, procédé de traitement de prêt, terminal de prêteur, dispositif de gestion de prêt, et programme associé

Legal Events

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

Ref document number: 21738571

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 2021570084

Country of ref document: JP

Kind code of ref document: A

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 21738571

Country of ref document: EP

Kind code of ref document: A1