In-house loan system and method linked to labor actual record

Abstract

To make it possible to respond to workers' requests for diverse payment forms for compensation for their labor.SOLUTION: An in-house loan system includes a user terminal 16, a labor data processing computer 12, and a settlement computer 14. The labor data processing computer 12 inputs request data sent from the user terminal 16, compares an amount specified by requested amount data with an amount specified by available amount data, and if the amount specified by the requested amount data does not exceed the amount specified by the available amount data, creates and outputs transfer data for paying a cash amount specified by ratio data to a worker as an in-house loan under predetermined interest rate conditions, and creates electronic money issuance request data for charging an electronic money amount specified by the ratio data to the worker's user terminal 16 as the in-house loan under the predetermined interest rate conditions and outputs it to the settlement computer 14.SELECTED DRAWING: Figure 1

Description

[Technical field]

[0001] The present invention relates to a system, apparatus, program, and method for providing in-house financing to workers. [Background technology]

[0002] Wages as compensation for labor are often paid on a specified payment date by companies, etc. In such cases, the total amount of compensation for labor during a specified period as of a specified closing date, minus various deductions, is paid on the specified payment date.

[0003] However, with this method, payment is made for work done within a certain period of time, so there is a time lag between providing the work and receiving the payment for that work.

[0004] Patent Documents 1, 2, and 3 propose technologies that allow workers to pay wages in advance at any time. Patent Document 4 proposes a technology that allows workers to receive part of their prepaid wages in electronic money, etc., in line with the spread of electronic payment services. Furthermore, Patent Document 5 has an amount comparison means that compares the desired withdrawal amount with the remaining wage, and is equipped with a withdrawal amount determination means that, when the amount comparison means determines that the desired withdrawal amount is greater than the remaining wage, determines the creditworthiness of the worker who wishes to withdraw the money, and adds the difference between the desired withdrawal amount and the remaining wage to the remaining wage within the borrowing limit determined by the credit determination, to determine the withdrawal amount. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] Patent No. 3685788 [Patent Document 2] Patent No. 3857279 [Patent Document 3] Patent No. 4395413 [Patent Document 4] Patent Publication 2019-185540 [Patent Document 5] Patent Publication No. 2009-075925 Summary of the Invention [Problem to be solved by the invention]

[0006] However, in the techniques described in the cited documents 1 to 4, the amount that can be withdrawn is limited to the range of the salary to be paid according to the number of days the worker has worked, etc. In the technique described in the cited document 5, a certain credit is given based on the actual working conditions of the worker, but it does not support flexible payment methods and timing such as electronic payment. In addition, as working styles have become more diverse in recent years, the demands regarding payment methods and timing of payment of labor compensation have also become more diverse. In addition, there is a certain demand for increasing corporate value by flexibly utilizing in-house loan systems as part of employee benefits.

[0007] The present invention aims to solve these problems. [Means for solving the problem]

[0008] The present invention relates to an in-house loan system linked to work performance, comprising a terminal used by a worker, a loan device connected to the terminal used by the worker so as to be capable of transmitting and receiving data, and a settlement device connected to the terminal and the loan device so as to be capable of transmitting and receiving data, wherein the terminal used by the worker comprises a request data transmission means for transmitting request data including request amount data and ratio data of a cash amount and an electronic money amount to the loan device at an arbitrary timing, the loan device comprises an input means for inputting the request data transmitted from the terminal used by the worker, a storage means for storing daily wage data of the worker, and a calculation means for calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to a date on which the request data is input, calculating available amount data based on amount data obtained by subtracting cumulative data for the period of amount data of data of amounts already loaned to the worker from the cumulative data, and calculating an amount specified by the request amount data and the available amount data. and a processing means for comparing an amount specified by the request amount data with an amount specified by the ratio data, and if the amount specified by the request amount data does not exceed the amount specified by the available amount data, creating and outputting transfer data for lending the cash amount specified by the ratio data to the worker under specified interest rate conditions, and creating and outputting electronic money issuance request data for charging the user terminal of the worker to lend the electronic money amount specified by the ratio data to the worker under specified interest rate conditions, and refusing to create the transfer data if the amount specified by the request amount data exceeds the amount specified by the available amount data, and a means for transferring the cash amount to the account of the worker based on the transfer data, and the payment device is equipped with electronic money processing means for issuing electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the loan device and processing for charging the user terminal of the worker.

[0009] In one embodiment of the present invention, the worker's user terminal is equipped with a default value input means for inputting a default value of the ratio data from the loan device, a display means for displaying the default value of the ratio data, and an operation means for allowing the worker to adjust the default value, and the loan device is equipped with a ratio data storage means for storing a history of the ratio data input from the worker's user terminal in association with the worker, an adjustment means for adjusting the default value of the worker's ratio using the history of the ratio data, and a default value transmission means for transmitting the adjusted default value of the ratio to the worker's user terminal.

[0010] In another embodiment of the present invention, the electronic money amount includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, the processing means creates labor value data for charging the labor value amount specified by the ratio data to the worker's terminal to lend the labor value amount specified by the ratio data to the worker under specified interest rate conditions, and outputs the data to the worker's terminal.

[0011] The present invention also provides an input means for inputting request data including requested amount data and data on the ratio of the amount of cash to the amount of electronic money from a terminal used by a worker, a storage means for storing daily wage data of the worker, a calculation of cumulative data for a period from a predetermined start date of the daily wage data of the worker stored in the storage means to a date on which the request data is input, a calculation of available amount data based on amount data obtained by subtracting cumulative data for the period of data on the amount of money already loaned to the worker from the cumulative data, a comparison of the size of an amount specified by the requested amount data and the amount specified by the available amount data, and a calculation of the amount specified by the requested amount data. An in-house loan device linked to work performance has a processing means for creating and outputting transfer data for lending the cash amount specified by the ratio data to the worker under specified interest rate conditions if the amount does not exceed the amount specified in the available amount data, and for creating and outputting electronic money issuance request data for charging the worker's terminal to lend the electronic money amount specified by the ratio data to the worker under specified interest rate conditions, and for refusing to create the transfer data if the amount specified by the request amount data exceeds the amount specified in the available amount data, and a means for transferring the cash amount to the worker's account based on the transfer data.

[0012] In one embodiment of the present invention, the system includes a ratio data storage means for storing the history of the ratio data entered from the worker's user terminal in association with the worker, an adjustment means for adjusting the default ratio value of the worker using the history of the ratio data, and a transmission means for transmitting the adjusted default ratio value to the worker's user terminal.

[0013] In another embodiment of the present invention, the electronic money amount includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, the processing means creates and outputs labor value data for charging the labor value amount specified by the ratio data to the terminal used by the worker to lend the labor value amount specified by the ratio data to the worker under specified interest rate conditions.

[0014] The present invention also provides a method for inputting request data including requested amount data and cash amount / electronic money amount ratio data from a terminal used by a worker into a processor of a computer, storing the daily wage data of the worker in a storage means, calculating cumulative data for a period from a predetermined start date of the daily wage data of the worker stored in the storage means to a date on which the request data is input, calculating available amount data based on amount data obtained by subtracting cumulative data for the period of amount data already loaned to the worker from the cumulative data, comparing the amount specified in the requested amount data with the amount specified in the available amount data, and the program executes the steps of: creating and outputting transfer data for lending the cash amount specified by the ratio data to the worker under specified interest rate conditions if the amount specified by the request amount data does not exceed the amount specified by the available amount data; creating and outputting electronic money issuance request data for charging the worker's terminal to lend the electronic money amount specified by the ratio data to the worker under specified interest rate conditions; refusing to create the transfer data if the amount specified by the request amount data exceeds the amount specified by the available amount data; and transferring the cash amount to the worker's account based on the transfer data.

[0015] In one embodiment of the present invention, the system further includes the steps of: associating the history of the ratio data entered from the worker's user terminal with the worker and storing it in the memory means; adjusting the default value of the worker's ratio using the history of the ratio data; and transmitting the adjusted default value of the ratio to the user terminal of the worker.

[0016] In another embodiment of the present invention, the electronic money amount further includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, the step of creating and outputting labor value data for charging the labor value amount specified by the ratio data to the terminal used by the worker so as to lend the labor value amount specified by the ratio data to the worker under a specified interest rate condition is executed.

[0017] In addition, the present invention causes a computer processor to execute the steps of inputting available amount data and default values ​​of ratio data between the cash amount and the electronic money amount from the lending device, displaying the available amount and the default values ​​of the ratio data on a display means, creating request data including request amount data and ratio data between the cash amount and the electronic money amount in response to an operation from an operation unit, transmitting the request data to the lending device, and receiving electronic money data for the electronic money amount specified by the ratio data from a payment device and processing the charge.

[0018] In one embodiment of the present invention, the electronic money amount further includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, a step of receiving labor value data of the labor value amount specified by the ratio data from the lending device and processing the charge is executed.

[0019] The present invention also provides an in-house financing method linked to work performance, which includes: inputting request data including requested amount data and ratio data between a cash amount and an electronic money amount from a terminal used by a worker; calculating cumulative data for a period from a predetermined start date of the worker's daily wage data to the date on which the request data is input; calculating available amount data based on amount data obtained by subtracting cumulative data for amount data already loaned to the worker for the period from the cumulative data; comparing the amount specified by the request amount data with the amount specified by the available amount data; creating and outputting transfer data for loaning the cash amount specified by the ratio data to the worker under predetermined interest rate conditions if the amount specified by the request amount data does not exceed the amount specified by the available amount data; and creating and outputting electronic money issuance request data for charging the terminal used by the worker to loan the electronic money amount specified by the ratio data to the worker under predetermined interest rate conditions; refusing to create the transfer data if the amount specified by the request amount data exceeds the amount specified by the available amount data; and transferring the cash amount to the worker's account based on the transfer data.

[0020] In one embodiment of the present invention, the history of the ratio data is further associated with the worker and stored in a memory means, the history of the ratio data is used to adjust the default ratio value for the worker, and the adjusted default ratio value is transmitted to the user terminal of the worker.

[0021] In another embodiment of the present invention, the electronic money amount further includes a labor value amount, and when the labor value amount specified by the ratio data is not 0, labor value data is created and output for charging the labor value amount specified by the ratio data to the terminal used by the worker so as to lend the labor value amount specified by the ratio data to the worker under specified interest rate conditions.

[0022] The present invention also provides an in-house loan system linked to work performance, comprising a terminal used by a worker, a loan device connected to the terminal used by the worker so as to be capable of transmitting and receiving data, and a settlement device connected to the terminal and the loan device so as to be capable of transmitting and receiving data, wherein the terminal used by the worker comprises a request data transmission means for transmitting request data including requested amount data and selection data between a cash amount and an electronic money amount to the loan device at an arbitrary timing, the loan device comprises an input means for inputting the request data transmitted from the terminal used by the worker, a storage means for storing daily wage data of the worker, and a calculation means for calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to a date on which the request data is input, calculating available amount data based on amount data obtained by subtracting cumulative data for the period of amount data of data of amounts already loaned to the worker from the cumulative data, and calculating an amount specified by the requested amount data and the available amount data. and a processing means for comparing the amount specified by the request amount data with an amount specified by the available amount data, and if the amount specified by the request amount data does not exceed the amount specified by the available amount data, creating and outputting transfer data for lending the cash amount selected by the selection data to the worker under specified interest rate conditions, creating and outputting electronic money issuance request data for charging the user terminal of the worker to lend the electronic money amount selected by the selection data to the worker under specified interest rate conditions, and refusing to create the transfer data if the amount specified by the request amount data exceeds the amount specified by the available amount data, and a means for transferring the cash amount to the account of the worker based on the transfer data, and the payment device is equipped with electronic money processing means for issuing electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the loan device and processing the charging to the user terminal of the worker.

[0023] The present invention also provides a method for calculating available amount data based on amount data obtained by subtracting from the accumulated data an accumulated amount data of the amount data already paid in advance to the worker during the period, the amount being calculated based on the accumulated data, the amount being determined by ... the amount specified by the request amount data exceeds the amount specified by the available amount data; and a processing means for rejecting the creation of the transfer data if the amount specified by the request amount data exceeds the amount specified by the available amount data. The in-house loan device is linked to work performance and has: a processing means for creating and outputting transfer data for lending the cash amount selected by the selection data to the worker under specified interest rate conditions if the amount requested does not exceed the amount specified in the available amount data;

[0024] The present invention also provides a method for inputting request data, including requested amount data and data for selecting a cash amount or an electronic money amount, from a terminal used by a worker into a processor of a computer, storing the daily wage data of the worker in a storage means, calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to the date of input of the request data, calculating available amount data based on amount data obtained by subtracting from the cumulative data cumulative data of amount data already paid in advance to the worker during the period, comparing the amount specified in the requested amount data with the amount specified in the available amount data, and the program executes the steps of: creating and outputting transfer data for lending the cash amount specified by the selection data to the worker under specified interest rate conditions if the amount specified by the request amount data does not exceed the amount specified by the available amount data; creating and outputting electronic money issuance request data for charging the worker's terminal to lend the electronic money amount specified by the selection data to the worker under specified interest rate conditions; refusing to create the transfer data if the amount specified by the request amount data exceeds the amount specified by the available amount data; and transferring the cash amount to the worker's account based on the transfer data.

[0025] The present invention also provides an in-house financing method linked to work performance, which includes the steps of: inputting request data including requested amount data and selection data for a cash amount and an electronic money amount from a terminal used by a worker; calculating cumulative data for the period from a specified start date of the daily wage data of the worker to the date on which the request data is input; calculating available amount data based on amount data obtained by subtracting cumulative data of amount data already prepaid to the worker for the period from the cumulative data; comparing the amount specified in the request amount data with the amount specified in the available amount data; creating and outputting transfer data for lending the cash amount selected in the selection data to the worker under a specified interest rate condition if the amount specified in the request amount data does not exceed the amount specified in the available amount data; creating and outputting electronic money issuance request data for charging the terminal used by the worker to lend the electronic money amount selected in the selection data to the worker under a specified interest rate condition; and refusing to create the transfer data if the amount specified in the request amount data exceeds the amount specified in the available amount data; and transferring the cash amount to the worker's account based on the transfer data. Effect of the Invention

[0026] According to the present invention, workers can receive in-house loans in various forms according to their work performance. In particular, according to the present invention, workers can receive in-house loans in any ratio of cash and electronic money according to their work performance. That is, they can receive the money as cash or electronic money. Furthermore, according to the present invention, funds can be provided to workers as in-house loans within their work performance, more specifically as in-house loans with low interest rates or 0% interest rates, so that smooth processing is possible. Note that the interest rate on loans changes depending on the economic situation of the society, and as long as a legal arrangement is made between the employer and the worker, the interest rate can be set at any rate between 0% and 100%. [Brief description of the drawings]

[0027] [Figure 1] FIG. 1 is a system configuration diagram according to an embodiment. [Diagram 2] FIG. 2 is a functional block diagram of a company-side computer according to the embodiment. [Diagram 3] FIG. 2 is a functional block diagram of a labor data processing computer in an embodiment. [Figure 4] FIG. 2 is a functional block diagram of a payment computer according to an embodiment. [Diagram 5] FIG. 2 is a functional block diagram of a user terminal according to an embodiment. [Figure 6] FIG. 2 is a functional block diagram of a seller terminal according to the embodiment. [Figure 7] FIG. 2 is a configuration block diagram of a labor data processing computer in an embodiment. [Figure 8] FIG. 4 is an explanatory diagram illustrating an example of an hourly wage unit price table in the embodiment. [Figure 9] FIG. 4 is an explanatory diagram illustrating an example of a user table in the embodiment. [Figure 10] FIG. 4 is an explanatory diagram illustrating an example of a request table in the embodiment. [Figure 11] 13 is a graph showing the change over time in the request amount ratio for each worker in an embodiment. [Figure 12] 13 is a graph illustrating default request amount ratios for each worker in an embodiment. [Figure 13] FIG. 4 is an explanatory diagram illustrating an example of a user data table in the embodiment. [Figure 14] FIG. 4 is an explanatory diagram illustrating an example of a transaction table in the embodiment. [Figure 15] FIG. 1 is an explanatory diagram (part 1) showing a data flow in an embodiment. [Figure 16] FIG. 2 is an explanatory diagram (part 2) showing the data flow in the embodiment. [Figure 17] 11 is a processing flowchart of a labor data processing computer in an embodiment. [Figure 18]FIG. 2 is a configuration block diagram of a user terminal according to an embodiment. [Figure 19] 11 is a processing flowchart of a user terminal in the embodiment. [Figure 20] FIG. 1 is an explanatory diagram (part 1) of a screen of a user terminal in an embodiment. [Figure 21] FIG. 2 is an explanatory diagram (part 2) of a screen of a user terminal in an embodiment. [Figure 22] FIG. 3 is an explanatory diagram (part 3) of a screen of a user terminal in an embodiment. [Diagram 23] FIG. 4 is an explanatory diagram (part 4) of a screen of a user terminal in an embodiment. [Figure 24] FIG. 5 is an explanatory diagram (part 5) of a screen of a user terminal in an embodiment. [Diagram 25] FIG. 6 is an explanatory diagram (part 6) of a screen of a user terminal in an embodiment. [Figure 26] FIG. 7 is an explanatory diagram of a screen of a user terminal in an embodiment. [Figure 27] FIG. 8 is an explanatory diagram of a screen of a user terminal in an embodiment. [Figure 28] FIG. 9 is an explanatory diagram of a screen of a user terminal in an embodiment. [Figure 29] FIG. 10 is an explanatory diagram of a screen of a user terminal in an embodiment. [Diagram 30] FIG. 11 is an explanatory diagram of a screen of a user terminal in an embodiment. [Diagram 31] FIG. 12 is an explanatory diagram of a screen of a user terminal in an embodiment. [Diagram 32] FIG. 13 is an explanatory diagram of a screen of a user terminal in an embodiment. [Diagram 33] FIG. 3 is an explanatory diagram (part 3) showing the data flow in the embodiment. [Diagram 34] FIG. 11 is an explanatory diagram (part 1) of a screen of a user terminal in another embodiment. [Diagram 35] FIG. 11 is an explanatory diagram (part 2) of a screen of a user terminal in another embodiment. [Diagram 36]FIG. 11 is an explanatory diagram (part 3) of a screen of a user terminal in another embodiment. [Figure 37] FIG. 4 is an explanatory diagram (part 4) of a screen of a user terminal in another embodiment. [Figure 38] FIG. 5 is an explanatory diagram (part 5) of a screen of a user terminal in another embodiment. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0028] Hereinafter, an embodiment of the present invention will be described with reference to the drawings.

[0029] Fig. 1 shows the overall configuration of an in-house loan system linked to labor performance in an embodiment. The in-house loan system includes a company computer 10 installed in the company that employs the workers, a labor data processing computer 12 installed in a bank or its affiliated company, a settlement computer 14 installed in an electronic money business (electronic money issuing company), a user terminal 16 operated by the workers, and a seller terminal 18 operated by a seller who provides goods and services, all of which are connected to a communication network 20 so that data can be transmitted and received.

[0030] The company computer 10 is a computer that manages the working status of workers, and may have a known attendance management application installed. The company computer 10 transmits the working status of workers as work data to the work data processing computer 12 at a predetermined timing via the communication network 20. Although only one company computer 10 is shown in FIG. 1, the company computers 10 of multiple companies may be connected to the communication network 20.

[0031] The labor data processing computer 12 functions as an in-house loan device, and one or more server computers may be used. The labor data processing computer 12 accumulates and manages the labor data of the workers, receives requests for in-house loans from the user terminals 16 used by the workers via the communication network 20, and executes transfer processing to the workers' bank accounts. That is, the labor data processing computer 12 functions as a settlement system used within banks and between banks. The labor data processing computer 12 may be physically separated into a computer that manages labor data and a bank settlement computer. In addition, the labor data processing computer 12 transmits an electronic money issuance request to the settlement computer 14 in response to an in-house loan request from the user terminal 16 to convert a part or all of the labor compensation of the workers into electronic money.

[0032] The settlement computer 14 functions as a settlement device and is a computer that performs electronic settlement, and one or more server computers may be used. The settlement computer 14 issues electronic money in response to an electronic money issuance request from the labor data processing computer 12, notifies the labor data processing computer 12 of the issue, and supplies electronic money data to the user terminal 16 to charge the electronic money. In addition, when a worker uses the user terminal 16 to purchase goods or services with electronic money, the settlement computer 14 executes settlement with electronic money in response to a settlement request from the seller terminal 18.

[0033] The user terminal 16 is a terminal used by the worker, and may be a smartphone, tablet terminal, personal computer (PC), or the like. An application program (internal loan application) for determining and displaying an internal loan request and the internal loan conditions for the labor data processing computer 12 is installed in the user terminal 16. The internal loan application program may be downloaded, for example, from a homepage (HP) managed by the labor data processing computer 12. In this embodiment, the internal loan conditions affect the available amount data of the worker. For example, for a worker with a good working condition, an amount obtained by multiplying the available amount data by a coefficient exceeding 1.0 can be used as the available amount data, and a comparison can be made between the amount and the amount specified by the request amount data from the worker. In addition, an interest rate of less than 1.0 can be set for a worker whose working condition is not highly evaluated or a worker who has just started working. Such an interest rate can be determined in the internal loan application from the attributes of the worker, the worker data in the labor data processing computer, and the like.

[0034] The seller terminal 18 is a terminal used by a seller of goods or services, and may be a tablet terminal, a PC, or a POS system. A payment application program for making payments using electronic money at the payment computer 14 is installed in the seller terminal 18. The payment application program can be downloaded from the payment computer 14.

[0035] The communication network 20 is composed of one or more networks. The communication network 20 may be a dedicated line or a public line, and may be wired or wireless. A part or all of the communication network 20 may be a telephone line, the Internet, or a VPN.

[0036] 2 shows a functional block diagram of the company-side computer 10. The company-side computer 10 comprises a work data input / output unit 100 and a work data storage unit 101 as functional blocks.

[0037] The labor data input / output unit 100 inputs the labor data of the worker, i.e., the worker's basic information and working status, and outputs it to the labor data processing computer 12 at a predetermined timing. The worker's basic information includes various information for identifying the worker, such as the worker's name, address, age, bank name, branch name, account number, and hourly wage rate for calculating the worker's salary. The worker may be a part-time worker, a casual employee, a contract employee, a non-regular employee, or a so-called regular employee.

[0038] The work data storage unit 101 sequentially stores the work data of workers. The work data may be in hourly or daily units.

[0039] 3 shows a functional block diagram of the labor data processing computer 12. The labor data processing computer 12 includes, as functional blocks, a labor data input unit 120, a payroll calculation unit 121, a request processing unit 122, an approval unit 123, a transfer table creation unit 124, an hourly wage unit price table storage unit 125, a user table storage unit 126, a request table storage unit 127, a ratio table storage unit 128, and an electronic money conversion instruction unit 129.

[0040] The work data input unit 120 inputs work data from the company computer 10.

[0041] The payroll calculation unit 121 uses the input work data to calculate the cumulative payroll amount from the specified start date for each worker. The payroll calculation unit 121 also calculates the cumulative amount of loans already executed to the worker under the specified interest rate conditions, and calculates the cumulative payroll balance by deducting the cumulative loan execution amount from the cumulative payroll amount.

[0042] The request processing unit 122 inputs and processes request data from the user terminal 16. The request processing unit 122 calculates a default ratio value for each worker according to the past ratio history for each worker, and transmits it to the user terminal 16. Here, the ratio means the ratio between cash and electronic money when a worker receives an in-house loan.

[0043] The approval unit 123 approves requests for in-house financing from the user terminal 16. Specifically, the available amount is calculated by multiplying the cumulative salary balance at the time of the request by a certain coefficient for each worker, and this available amount is compared with the requested amount. If the requested amount is within the available amount, the request is approved. On the other hand, if the requested amount exceeds the available amount, the request is rejected. If the request is rejected by the approval unit 123, the request processing unit 122 transmits a message to that effect to the user terminal 16.

[0044] When the approval unit 123 approves the request, the transfer table creation unit 124 creates a transfer table for transferring a cash amount, specified by the cash ratio of the request amount, to the worker's account for in-house financing under a specified interest rate condition. The specified interest rate in this embodiment may be predetermined by the transfer table creation unit 124, or may be set by the bank or an affiliated company as appropriate. The worker's agreement is obtained in advance through the employer when setting the interest rate. The specified interest rate condition in this embodiment does not mean an interest rate that is unreasonably high within the scope of the worker's welfare benefits, and may be 0% in consideration of the worker's usage status and the loan amount. Usually, it can be set appropriately between 0.1% and 0%.

[0045] The hourly wage table storage unit 125 stores an hourly wage table for each worker. This hourly wage table includes various information for identifying the worker, such as the worker's name, address, age, bank name, branch name, account number, etc. These data are input from the company's computer 10.

[0046] The user table storage unit 126 stores a work data table for each worker. This user table includes the working days and working hours for each worker. The payroll calculation unit 121 calculates the daily wage for each worker and the cumulative wage from the specified start date using the hourly wage for each worker managed in the hourly wage unit price table and the working days and working hours for each worker managed in the user table. The daily wage and cumulative wage for each worker calculated by the payroll calculation unit 121 are recorded and managed in this user table.

[0047] The request table storage unit 127 stores a request table related to the request data input from the user terminal 16. The request table includes information identifying the worker who made the request, the request date, an identifier (ID) identifying the request, the request amount, the ratio, etc. These data are recorded and managed when the approval unit 123 approves the request. The payroll calculation unit 121 refers to the user table and the request table to calculate the accumulated payroll balance by deducting the amount already loaned (request amount) from the accumulated payroll amount, and records this in the request table. When approving a request, the approval unit 123 refers to the accumulated payroll balance managed in the request table to determine whether to approve or reject the request.

[0048] The ratio table storage unit 128 stores a ratio table. The ratio table includes the ratios included in the request table, i.e., the ratio between cash and electronic money. The ratio table manages the history of past ratios for each worker. The request processing unit 122 analyzes the trend of the ratios for each worker based on the history of ratios managed in the ratio table, and adjusts the default value of the ratio for each worker according to the analysis results. The default value of the ratio after adjustment is recorded and managed in the ratio table. For example, for a certain worker, Initial ratio default value: 50% Default adjusted ratio: 70% etc.

[0049] If approval is given by the approval unit 123, the electronic money conversion instruction unit 129 requests the payment computer 14 to issue an electronic money amount specified by the ratio of electronic money to the requested amount. The electronic money issuance request data includes information identifying the worker, the amount to be converted into electronic money, and information on the terminal to which the electronic money should be sent (in this embodiment, the user terminal 16).

[0050] The process when approval is given by the approval unit 123 can be summarized as follows.

[0051] If the approval unit 123 approves the request, the approval unit 123 records and updates the request amount and ratio of the newly approved request data in the request table stored in the request table storage unit 127. Also, the approval unit 123 records and updates the ratio of the newly approved request data in the ratio table stored in the ratio table storage unit 128. Also, the approval unit 123 instructs the transfer table creation unit 124 to create a transfer table according to the ratio of the approved request data, and instructs the electronic money conversion instruction unit 129 to request the issuance of electronic money. Specifically, when the cash ratio is 100%, the approval unit 123 instructs the transfer table creation unit 124 to create a transfer table, but does not instruct the electronic money conversion instruction unit 129 to request the issuance of electronic money. When the cash ratio is 0% and the electronic money ratio is 100%, the approval unit 123 does not instruct the transfer table creation unit 124 to create a transfer table, but instructs the electronic money conversion instruction unit 129 to request the issuance of electronic money. If the cash ratio is between 0% and 100%, it instructs transfer table creation unit 124 to create a transfer table, and instructs electronic money conversion instructing unit 129 to request the issuance of electronic money.

[0052] Depending on the result of approval by approval unit 123, request processing unit 122 may instruct transfer table creation unit 124 and electronic money conversion instruction unit 129 according to the ratio.

[0053] 4 shows a functional block diagram of the payment computer 14. The payment computer 14 includes a payment processing unit 141, a user data storage unit 142, and a transaction storage unit 143 as functional blocks.

[0054] The payment processing unit 141 issues electronic money in response to a request from the labor data processing computer 12, and transmits the issued electronic money data to a specified terminal, which in this embodiment is the user terminal 16. In addition, the payment processing unit 141 executes payment processing using electronic money in response to a payment request from the seller terminal 18.

[0055] The user data storage unit 142 stores user data. The user data includes the amount of electronic money for each worker, a transaction ID, a transaction date, etc. When the payment processing unit 141 issues electronic money in response to a request from the labor data processing computer 12, it updates the amount of electronic money for the worker and stores it in the user data storage unit 142.

[0056] The transaction storage unit 143 stores transaction data. The transaction data includes a transaction ID, transaction date, payment amount, etc., when processing a payment in response to a payment request from the seller terminal 18.

[0057] 5 is a functional block diagram of the user terminal 16. The user terminal 16 includes an in-house loan application unit 161, an operation unit 162, a display unit 163, and a storage unit 164 as functional blocks.

[0058] The in-house loan application unit 161 is a functional block realized by executing the installed in-house loan application program, and is roughly divided into a processing module, an electronic money management module, and a labor value management module. The processing module is a module that manages the in-house loan processing as a whole, displays an operation screen (UI screen) on the display unit 163, accepts requests from workers who are users, and transmits the request data to the labor data processing computer 12 via the communication network 20. It also receives data from the labor data processing computer 12 and displays it on the display unit 163.

[0059] The electronic money management module manages the deposit and withdrawal of electronic money.

[0060] The labor value management module manages the input and output of labor value. Here, "labor value" is the labor compensation that a worker receives through employment, and is electronic data with a value equivalent to money. The unit of labor value is arbitrary, and may be yen or "** coin." If it is "** coin," the exchange rate with yen may be set appropriately.

[0061] Labor value can be considered as a type of electronic money. However, in this embodiment, electronic money is obtained by requesting issuance from the settlement computer 14 managed and operated by the electronic money business operator, whereas labor value is different in that such processing is not required. In other words, the salary data that is sequentially accumulated by labor in the labor data processing computer 12 itself functions as labor value.

[0062] The processing module issues an API for starting the electronic money management module or the labor value management module as necessary, starts the electronic money management module or the labor value management module, and controls the electronic money management process or the labor value management process. The electronic money management module and the labor value management module may be provided separately from the processing module, or may be integrated into the processing module.

[0063] The operation unit 162 is composed of a touch panel, keyboard, mouse, etc., and is operated by the user, that is, a worker, to input data.

[0064] The display unit 163 is configured with a liquid crystal panel, an organic EL panel, or the like, and displays various screens.

[0065] The storage unit 164 stores user information.

[0066] 6 is a functional block diagram of the seller terminal 18. The seller terminal 18 includes a payment application unit 181 and a store ID storage unit 182 as functional blocks.

[0067] The payment application unit 181 is a functional block realized by executing an installed payment application program, and sends a payment request to the payment computer 14 when a worker purchases goods or services using electronic money charged to the user terminal 16. The payment request includes an ID for identifying the worker, i.e., the user terminal 16, an ID for identifying the seller, i.e., the seller terminal 18, and the payment amount.

[0068] The store ID storage unit 182 stores the store ID as an ID for identifying the seller terminal 18.

[0069] 7 shows a configuration block diagram of the labor data processing computer 12. The labor data processing computer 12 includes a CPU 12a, a ROM 12b, a RAM 12c, an input / output interface (I / F) 12d, a storage device 12e, a communication I / F 12f, an input device 12g, and a display device 12h, which are connected by a bus.

[0070] One or more CPUs 12a read out the processing programs stored in the ROM 12b or the storage device 12e, and execute various processes using the RAM 12c as a working memory. The various processes include inputting and storing labor data, calculating the salary of each worker, receiving and processing the request data, creating a transfer table, transferring to a bank account, requesting the issuance of electronic money, processing labor value, and managing the ratio. The CPU 12a constitutes the salary calculation unit 121, the request processing unit 122, the approval unit 123, the transfer table creation unit 124, and the electronic money conversion instruction unit 129 in FIG. 3. One of the features of this embodiment is that when a worker, who is a user, requests an in-house loan within the scope of his or her work history, the ratio of cash to electronic money can be set at will. More specifically, the user can directly obtain electronic money in the form of an in-house loan within the scope of his or her work history. This point will be described further below.

[0071] The input / output I / F 12d is connected to an input device 12g and a display device 12h, and inputs and outputs data.

[0072] The storage device 12e is configured with a HDD, SSD, etc., and stores various data. The storage device 12e configures the hourly wage table storage unit 125, the user table storage unit 126, the request table storage unit 127, and the ratio table storage unit 128 in Fig. 3. The hourly wage table and the user table may be managed collectively as a single table.

[0073] The communication I / F 12f transmits and receives data to and from the company computer 10, the settlement computer 14, and the user terminal 16 via the communication network 20. The communication I / F 12f constitutes the work data input unit 120 in FIG.

[0074] 8 shows an example of an hourly wage table stored in hourly wage table storage unit 125. In the hourly wage table, an employee code is stored in association with a company code, and a name corresponding to the employee code is also stored. In addition, bank number, bank name, branch number, branch name, account number, account name, start date of work, hourly wage, last update date, deposit type, and email address are stored. The hourly wage is data required when calculating wages from working hours, and the bank name, bank account, etc. are data required when creating a transfer table and transferring wages.

[0075] 9 shows an example of a user table stored in the user table storage unit 126. Worker labor data is stored for each company code, employee code, and workday. That is, the working hours of an employee identified by the employee code are stored in association with the company code, employee code, and workday. In addition, the salary amount obtained by multiplying the hourly wage rate by the working hours, and the total salary amount obtained by accumulating the salary amounts are stored.

[0076] FIG. 10 shows an example of a request table stored in the request table storage unit 127. Request data is stored for each company code, employee code, and request. That is, the request date, request ID, request amount, breakdown: ratio, and salary balance are stored in association with the company code and employee code. The request date is the date on which the request was received from the user terminal 16. The request ID is an ID that is uniquely assigned to the request data sent from the user terminal 16. The request amount is the amount of intra-company financing desired by the worker by operating the user terminal 16. The breakdown: ratio is the breakdown and ratio of the intra-company financing desired by the worker. In this embodiment, the intra-company financing forms are as follows: ·cash Electronic money Labor value is a type of electronic money, but if we distinguish it from electronic money and consider it as a separate form of payment, ·cash Electronic money ·Work Value In addition, by allowing payments in virtual currency, ·cash Electronic money ·Work Value Virtual Currency In addition, the interest rate conditions can be visually confirmed in the request table viewed by the worker.

[0077] The ratios are 100% cash, 100% electronic money, 50% cash and 50% electronic money, etc. One worker may always want 100% cash upfront, another worker may always want 100% electronic money in-house financing, and still another may want 100% cash at some times and 50% cash and 50% electronic money in-house financing at other times. The ratio table storage unit 128 stores the ratios for each worker and provides basic data for analyzing trends in the ratios for each worker.

[0078] 11 shows an example of ratio changes for each worker stored in the ratio table storage unit 128. A worker with employee code "001" always requests 100% cash, a worker with employee code "002" sometimes requests 50% cash and 50% electronic money, a worker with employee code "003" always requests 30% cash and 70% electronic money, and a worker with employee code "004" requests 100% cash at first, but the ratio of electronic money gradually increases.

[0079] The request processing unit 122 analyzes the trend in ratios for each worker by referring to the ratio table stored in the ratio table memory unit 128, and dynamically changes and adjusts the default ratio values ​​provided to workers based on the trend in ratios, thereby improving convenience for workers when inputting requests.

[0080] FIG. 12 shows an example of adjusting the default ratio for each worker. The default ratio is a ratio that is set in advance on the system side when a worker uses the user terminal 16 to request an in-house loan from the labor data processing computer 12. As shown in FIG. 11, a worker with employee code "001" always requests 100% cash, so the default ratio is set to 100% cash accordingly. A worker with employee code "002" sometimes requests 50% cash and 50% electronic money, so the default ratio is set to 70% cash and 30% electronic money accordingly. A worker with employee code "003" always requests 30% cash and 70% electronic money, so the default ratio is set to 30% cash and 70% electronic money accordingly. A worker with employee code "004" requests a gradually increasing ratio of electronic money, so the default ratio is set to decrease the ratio of cash and increase the ratio of electronic money accordingly. The default ratios after adjustment are recorded and managed in the ratio table as described above.

[0081] For workers for whom there is no ratio table, i.e., workers who first use the in-house loan system to receive an in-house loan, the default ratio can be set to, for example, 100% cash. Of course, other default ratios are also possible, for example, the default ratios can be 30% cash and 70% electronic money.

[0082] FIG. 13 shows an example of a user table stored in the user data storage unit 142 of the settlement computer 14. As shown in FIG.

[0083] As user data, the transaction ID, transaction date, payment amount, store ID, and electronic money balance are recorded and managed for each user ID. When new electronic money is issued in response to an electronic money issuance request from the labor data processing computer 12, the electronic money balance is increased by the amount of the new electronic money.

[0084] FIG. 14 shows an example of a transaction table stored in the transaction storage unit 143 of the settlement computer 14.

[0085] As transaction data, a transaction ID (payment ID), transaction date, payment amount, and user ID are recorded and managed for each store ID.

[0086] Next, the flow of data processing in this embodiment will be described.

[0087] Figure 15 shows the timeline of data flow in the intra-company loan system, from when a worker provides labor, requests intra-company loan, and receives the loan in cash or other form.

[0088] I: Labor provision First, a worker who is the user of the user terminal 16 provides work to an employer based on a labor contract. The company's computer 10 managed by the employer inputs and stores the worker's work data.

[0089] II: Labor data transmission Next, the enterprise computer 10 transmits the work data to the work data processing computer 12. The timing of transmission is arbitrary, and the data may be transmitted daily or at regular intervals.

[0090] III: Request Next, the worker operates the user terminal 16 to send a request for an in-house loan to the labor data processing computer. When the labor data processing computer 12 receives the request, it refers to the worker's user table to confirm the worker's salary balance on the day the request was received and sends it to the user terminal 16, and also refers to the ratio table to send a default value for the ratio obtained from the worker's past ratio history. When the labor data processing computer 12 receives the requested amount as the in-house loan amount and its breakdown: ratio from the user terminal 16, it executes the in-house loan processing under predetermined interest rate conditions according to the breakdown: ratio.

[0091] IV: Electronic money issuance request When the breakdown of request data from the user terminal 16 includes electronic money, for example 50% cash and 50% electronic money, or when processing an internal loan with 0% interest, the labor data processing computer 12 requests the settlement computer 14 to issue cash as electronic money equivalent to the ratio of the electronic money portion of the requested amount. In addition, in response to the request for issuance of electronic money, the labor data processing computer 12 creates a transfer table for transferring an amount equivalent to the electronic money amount to an account specified by the business operator of the settlement computer 14, and executes the transfer process.

[0092] If the electronic money ratio is 0%, the labor data processing computer 12 does not request the settlement computer 14 to issue electronic money, and proceeds to the next V: account transfer process.

[0093] V: Bank transfer / electronic money charge When the request data from the user terminal 16 includes a cash ratio, that is, when the cash ratio is not 0%, the labor data processing computer 12 creates a transfer table for transferring cash equivalent to the ratio as an internal loan process under a specified interest rate condition, and transfers the cash to the worker's bank account. In parallel with this, when the electronic money ratio is not 0%, the settlement computer 14 transmits the electronic money issued to the worker to the user terminal 16. Here, the settlement computer 14 transmits the electronic money data to the user terminal 16 after confirming the transfer of the amount equivalent to the electronic money amount from the labor data processing computer 12 to the company's designated account. The electronic money management module of the user terminal 16 processes the electronic money data from the settlement computer 14 and executes the electronic money charge process. It is preferable that the settlement computer 14 transmits the electronic money data to the user terminal 16 on the day of the transfer date of the amount equivalent to the electronic money amount from the labor data processing computer 12 or the day after.

[0094] VI: Salary balance transfer On a specified payday, the labor data processing computer 12 creates a transfer table for the remaining salary balance after deducting the loaned amount from the worker's salary, and transfers the amount to the worker's bank account. The loaned amount reflects a specified interest rate condition. In this embodiment, the interest rate condition is set low, so that even if a 100,000 yen loan is received in cash, if the interest rate is 0.1%, the amount will be 100 yen, so the loaned amount to be deducted will be 100,100 yen, and the amount after deducting this amount will be transferred to the worker's bank account.

[0095] FIG. 16 shows the data flow when purchasing goods or services using electronic money that has been issued by the settlement computer 14 and charged by the electronic money management module of the user terminal 16.

[0096] I: Issuance of payment ID The payment computer 14 issues a payment ID in response to a request from a worker using the user terminal 16 and transmits it to the user terminal 16. The electronic money management module of the user terminal 16 receives the payment ID via the communication network 20 and stores it.

[0097] II: Provision of payment ID when purchasing goods or services When purchasing a product or service from a seller, the worker provides the payment ID from the user terminal 16 to the seller terminal 18. The payment ID may be transmitted from the user terminal 16 to the seller terminal 18 via short-range wireless communication, or may be provided by optically reading it from an image sensor in the seller terminal 18. The form of the payment ID is arbitrary, and may be a one-dimensional barcode or a two-dimensional barcode (QR code (registered trademark)). The payment ID is the same ID as the user ID in Figures 13 and 14.

[0098] III: Payment Request The seller terminal 18, which has acquired the payment ID from the user terminal 16, sends a payment request to the payment computer 14. The payment request includes data on the payment ID and the payment amount. The payment computer 14 generates a transaction ID (transaction ID) corresponding to the payment request and executes the payment process. The payment computer 14 sends sales data including the transaction ID to the seller terminal 18, and sends purchase data including the transaction ID to the user terminal 16.

[0099] In this way, when a worker desires to receive an in-house loan linked to his / her work performance, he / she can receive the loan as cash as well as electronic money at a desired rate, and can purchase goods and services with the electronic money.

[0100] Next, the processing in the labor data processing computer 12 and the user terminal 16 will be described in more detail.

[0101] 17 shows a processing flowchart of the labor data processing computer 12. This processing is realized by the CPU 12a executing a processing program stored in the ROM 12b or the storage device 12e.

[0102] First, the labor data processing computer 12 receives the labor data of the worker from the company computer 10 at a predetermined timing (S101).

[0103] Next, the cumulative salary up to that point for each worker (employee) is calculated (S102).

[0104] Next, it is determined whether or not a request for intracompany financing has been received from the user terminal 16 (S103). If no request has been received, the processes of S101 to S103 are repeatedly executed to sequentially calculate the cumulative salary for each worker.

[0105] When a request is received, a default ratio value for the worker is determined (S104) based on the worker's past ratios stored in the ratio table storage unit 128. The determined default ratio value is transmitted to the user terminal 16 of the worker who sent the request.

[0106] Next, the ratio of electronic money in the prepayment request is determined based on the request data sent from the user terminal 16 (S105). The ratio of electronic money is classified into 0%, 100%, and others. For convenience, only two types of money are considered here: cash and electronic money (labor value is ignored).

[0107] If the electronic money ratio is 0%, i.e. 100% cash, a transfer table is created according to the requested amount included in the request data, and the amount is transferred to the worker's bank account (S107). At this time, the amount transferred may be deducted from a specified fee. In this embodiment, an in-house loan with 0% interest is provided to the worker, so the transfer fee can also be borne by the worker. The transferred amount is then deducted from the accumulated salary as the loan execution amount, and the salary balance update process is executed (S108).

[0108] If the ratio of electronic money is 100%, i.e., if cash is 0%, a request is made to the settlement computer 14 to issue electronic money according to the requested amount (S109). In response to this issuance request, the settlement computer 14 converts the requested amount into electronic money, transmits it to the user terminal 16, and charges the electronic money. The settlement computer 14 transmits a message to the labor data processing computer 12 that the electronic money has been charged. The labor data processing computer 12 deducts the amount converted into electronic money from the accumulated salary as the loan execution amount, and executes the salary balance update process (S110).

[0109] If the electronic money ratio is other than the above, for example, 50% cash, 50% electronic money, etc., a request is made to the settlement computer 14 to issue electronic money equivalent to the electronic money ratio of the requested amount (S111). The settlement computer 14 converts the amount equivalent to the ratio amount into electronic money in response to this issuance request, and transmits it to the user terminal 16 to charge the electronic money. The settlement computer 14 transmits a notice to the labor data processing computer 12 that the electronic money has been charged. In parallel with this, the labor data processing computer 12 creates a transfer table of an amount corresponding to the cash ratio of the requested amount, and transfers it to the worker's bank account (S112). At this time, the amount transferred may be deducted from a specified fee. The transfer amount and the amount converted into electronic money are deducted from the cumulative salary, and a salary balance update process is executed (S113).

[0110] FIG. 18 shows a configuration block diagram of the user terminal 16. The user terminal 16 is a smartphone, a tablet terminal, a PC, etc., and has the configuration of these information terminals. The user terminal 16 includes a CPU 165, a ROM 166, a RAM 167, an operation unit 162, a display unit 163, a communication I / F 168, and a storage unit 164. The CPU 165 realizes various processes by executing processing programs stored in the ROM 166 or the storage unit 164. The processing programs include an in-house loan application program. The in-house loan application program can be downloaded and installed from the labor data processing computer 12 or a predetermined server computer connected to the communication network 20. The electronic money management module may be incorporated in the in-house loan application program, or can be downloaded and installed separately from the settlement computer 14 or another server computer.

[0111] The communication I / F 168 transmits and receives data to and from the labor data processing computer 12, the payment computer 14, and the seller terminal 18 via the communication network 20. That is, to the labor data processing computer 12, it transmits a request for in-house financing, receives a default ratio value from the labor data processing computer 12, and transmits request data including the requested amount and the desired ratio. To the payment computer 14, it receives electronic money and charges the electronic money management module, requests a payment ID, and receives the issued payment ID. To the seller terminal 18, it transmits a payment ID when purchasing a product or service.

[0112] 19 shows a processing flowchart of the user terminal 16. This processing is realized by the CPU 165 executing an in-house loan application program stored in the ROM 166 or the storage unit 164.

[0113] When a worker operates the user terminal 16 to start the in-house loan application program (S201), the processing module of the in-house loan application first displays a login screen on the display unit 163 (S202). On this login screen, the worker inputs a company code, a user code, etc. The processing module transmits the input information to the labor data processing computer 12. The labor data processing computer 12 compares the input data with an hourly wage unit price table and determines whether or not to permit login. If it is determined that the worker is eligible to use the in-house loan system, the labor data processing computer 12 permits login and transmits a notification to that effect to the user terminal 16.

[0114] Next, the processing module judges whether the login is OK or NG (S203). When the permission notice is received from the labor data processing computer 12, it judges that the login is OK, and displays an application screen for an in-house loan on the display unit 163 (S204). On this application screen, the worker inputs whether to apply for an in-house loan or to inquire about the available amount. The processing module transmits a request by sending the input information to the labor data processing computer 12 (S205). When the labor data processing computer 12 receives the application for an in-house loan, it refers to the user table and the ratio table, obtains the available amount for an in-house loan based on the current salary balance of the worker, and obtains a default value for the ratio using the past ratio data of the worker, and transmits it to the user terminal 16.

[0115] The processing module receives default values ​​of the available amount and ratio from the labor data processing computer 12 as user data (S206), and uses these data to display a details screen on the display unit 163 (S207). On this details screen, the worker inputs the amount of in-house financing he / she wishes to receive, its breakdown, and the ratio. The processing module transmits the input information to the labor data processing computer 12, thereby sending a request (S208).

[0116] Next, the processing module judges whether the electronic money ratio is 0% or other than 0% (S209). If the electronic money ratio is 0%, the processing proceeds to S211. If the electronic money ratio is other than 0%, the processing module issues a command or API to start the electronic money management module, and performs a charge process using the electronic money data sent from the payment computer 14 (S210). In this charge process, the current electronic money balance is displayed on the display unit 163, and a screen showing the balance increasing with the newly charged electronic money may also be displayed.

[0117] If the electronic money ratio is 0% and if the electronic money charge process is executed in S210, the processing module next determines whether the labor value ratio is 0% or other than 0% (S211). If the labor value ratio is 0%, the processing ends. If the labor value ratio is other than 0%, the processing module issues a command or API to start the labor value management module and performs the charge process using the labor value data sent from the labor data processing computer 12 (S212).

[0118] If the worker sets the cash ratio at 100%, both S209 and S211 will be judged to be 0%, so the processing module will not execute the processes of S210 and S212. In this case, the labor data processing computer 12 creates a transfer table according to the requested amount of the in-house loan and executes the transfer process to the worker's bank account, so that the worker can withdraw the loan amount transferred to his / her bank account as needed.

[0119] The following specifically describes a screen (UI screen) displayed on the display unit 163 of the user terminal 16. Note that, although a smartphone is exemplified as the user terminal 16 and a touch panel is exemplified as the display unit 163, the present invention is not limited to this.

[0120] 20 shows an example of the login screen displayed in S202. Input fields for inputting the company code, user code, and password are displayed. The worker inputs this information and touches the "Login" button to transmit this information to the labor data processing computer 12.

[0121] FIG. 21 shows an example of the application screen displayed in S204. This is the top menu of in-house financing, and displays the name of the logged-in worker (user name) and the date and time of the previous login. Application for use ·Available amount inquiry · Application history inquiry Change password Check boxes are displayed to select one of the following. The worker touches one of the items to check the check box. In this example, the worker checks the "Application for Use" check box and sends it to the labor data processing computer 12.

[0122] 22 shows an example of the details screen displayed in S207. The available amount for the logged-in worker is displayed, along with fields for inputting the application amount and details, and a slide bar.

[0123] The available amount is within the range of the total salary of the worker at the time of the internal loan request (minus the amount of the loan if the loan has already been executed) managed in the user table shown in Figure 9. If the company that employs the worker has determined the range in which the loan can be used, the available amount is within that range (for example, 70% of the total salary).

[0124] The application amount is the amount of loan the worker wishes to borrow. The figure shows a case where a worker wishes to borrow 50,000 yen out of the available amount of 100,000 yen.

[0125] The breakdown is as follows: ·cash Electronic Money Electronic Money B ·Work Value A check box is displayed for selecting the ratio, and a field for entering the ratio is displayed.

[0126] The slide bar is a bar for inputting the ratio when any two of the breakdowns are selected, and the ratio of the two selected items can be set by clicking the slider and moving it left or right. The slide bar is initially hidden, and can be configured to be automatically displayed when any two of the breakdowns are selected.

[0127] 23 to 27 show several patterns of the breakdown.

[0128] Figure 23 shows a pattern where the worker selects only cash. Only the cash check box is checked. In this case, since 100% is cash, there is no need to set a ratio.

[0129] Figure 24 shows a pattern in which a worker selects only electronic money a. Only the check box for electronic money a is checked. Note that electronic money a and electronic money b are different types of electronic money issued by different electronic money businesses. In this case, electronic money a is 100%, so there is no need to set a ratio.

[0130] Figure 25 shows a pattern in which a worker selects two options, cash and electronic money A. The check boxes for cash and electronic money A are checked. In this case, the ratio of cash to electronic money A must be set separately.

[0131] Figure 26 shows a pattern in which the worker selects only the labor value. Only the labor value check box is checked. In this case, there is no need to select the ratio.

[0132] Figure 27 shows a pattern where a worker selects two options: cash and labor value. The cash and labor value checkboxes are checked. In this case, the ratio of cash to labor value must be set separately.

[0133] Figure 28 shows an example of a detailed screen when a worker selects both cash and electronic money a. If the default value of the ratio for the worker is set to 50% cash, the slider of the slide bar will be displayed in the center position of the bar, and the ratio input field for cash and electronic money a will read, Cash: 50% Electronic money: 50% is displayed.

[0134] If the worker is OK with this ratio, he or she operates the user terminal 16 to transmit the ratio as request data to the labor data processing computer 12.

[0135] If a worker wants to adjust the default ratio, they can move the slider left or right. The position of the slider is linked to the ratio value: moving the slider to the left decreases the cash ratio, and moving it to the right increases it.

[0136] Figure 29 shows the case where the worker moves the slider to the left to decrease the cash ratio. The slider moves to the left from the center position indicated by the dashed line in the figure, and the ratio input field changes accordingly. Cash: 30% Electronic money: 70% is displayed.

[0137] Although the ratio is shown as a percentage in FIG. 28 and FIG. 29, the ratio may be shown as a monetary amount.

[0138] Figure 30 shows the case where the ratio is displayed as an amount. If the application amount is 50,000 yen, 50% in cash is 25,000 yen, so Cash: 25,000 yen Electronic money: 25,000 yen is displayed.

[0139] In FIG. 28, the default ratio value is set to 50%, but as mentioned above, the ratio history differs for each worker, so the default ratio value may also differ for each worker.

[0140] Figure 31 shows an example of what happens when another worker logs in. The slider is on the far right side of the bar instead of in the center, and the ratio entry field has Cash: 100% Electronic money: 0% In the case of a worker who has a relatively high proportion of 100% cash in the past, the time and effort of operating the slide bar each time can be eliminated, and the ratio can be quickly set and transmitted to the labor data processing computer 12.

[0141] Figure 32 shows an example of what happens when another worker logs in. The slider is initially positioned to the left of the center, and the ratio input field is Cash: 30% Electronic money: 70% In the case of a worker who has a relatively high past ratio of 30% cash, the time and effort of operating the slide bar each time can be eliminated, and the ratio can be quickly set and transmitted to the labor data processing computer 12.

[0142] In addition, in Figs. 23 to 27, ·cash Electronic Money Electronic Money B ·Work Value In the above example, one or two of the above can be selected, but the two can include electronic money a and electronic money b, or electronic money a and labor value. Alternatively, three can be selected, for example, cash, electronic money a, and electronic money b. In this case, the ratio can be adjusted using multiple sliders or a Gibbs triangle.

[0143] Next, we will explain labor value.

[0144] When a worker receives intra-company loans as cash, the money is first transferred to his / her own bank account through a transfer process by the labor data processing computer 12, and then the worker can receive it by withdrawing it from the bank account. In contrast, labor value is data that has a value equivalent to cash, and can be used directly as the purchase price of goods and services, assuming that the seller accepts payment with labor value. Therefore, cash is not required to purchase goods or services with labor value, and the worker does not need his / her own bank account (however, a bank account is required to transfer the salary balance after the loan deduction).

[0145] Figure 33 shows the timeline of data flow when a worker requests internal financing using labor value.

[0146] I: Labor provision First, a worker who is the user of the user terminal 16 provides work to an employer based on a labor contract. The company's computer 10 managed by the employer inputs and stores the worker's work data.

[0147] II: Labor data transmission Next, the enterprise computer 10 transmits the work data to the work data processing computer 12. The timing of transmission is arbitrary, and the data may be transmitted daily or at regular intervals.

[0148] III: Request Next, the worker operates the user terminal 16 to send a request for in-house financing to the labor data processing computer. When the labor data processing computer 12 receives the request, it refers to the worker's user table to confirm the worker's salary balance on the day the request was received and sends it to the user terminal 16, and also refers to the ratio table to send the default value of the ratio obtained from the worker's past ratio history. At this time, the worker selects 100% labor value as the breakdown of the financing.

[0149] IV: Labor Value Transmission When the request data from the user terminal 16 includes labor value, the labor data processing computer 12 transmits labor value data equivalent to the requested amount. The labor value management module of the user terminal 16 processes the labor value data from the labor data processing computer 12 and executes the labor value charging process.

[0150] V: Salary balance transfer On a given payday, the labor data processing computer 12 creates a transfer table for the remaining salary balance after deducting the amount of the in-house loan from the worker's salary, and transfers the amount to the worker's bank account.

[0151] Unlike the case of FIG. 15, the labor data processing computer 12 does not request the payment computer 14 to issue electronic money, and the processing is completed by sending and receiving data between the labor data processing computer 12 and the user terminal 16.

[0152] In this embodiment, the ratio is input using a slide bar, but it may simply be a selection menu from which at least one of cash and electronic money can be selected. In this case, the selection data is transmitted as request data instead of the ratio data. The selection data can also be interpreted as a specific case of the ratio data (100% cash and 0% electronic money, or 0% cash and 100% electronic money).

[0153] FIG. 34 shows another example of the application screen displayed in S204. A selection menu is displayed in which either "wallet" or "prepayment" can be selected as the application for use. A "wallet" generally refers to a virtual, conceptual place for storing assets in the fields of online banking, virtual currency, and cryptocurrency. A worker can accumulate electronic money data in this wallet. When a worker selects this "wallet," the wallet application is launched and the current electronic money balance, etc. are displayed. A worker can check the current electronic money balance, etc. by visually checking this screen.

[0154] On the other hand, "Advance payment" is a menu for using the in-house loan of this embodiment, and when the worker selects this "Advance payment", the available amount is displayed. The available amount is an amount within the range of the total salary of the worker at the time of the in-house loan request (the amount minus the amount of the loan if the loan has already been executed), which is managed in the user table shown in FIG. 9. If the range in which the loan can be used is determined by the company that employs the worker, it is within that range (for example, 70% of the total salary). In the figure, "50,000 yen" is displayed as the available amount. When the worker uses an advance payment, i.e., an in-house loan, he / she checks the available amount and then presses the "Use" button.

[0155] FIG. 35 shows an example of a screen displayed when a worker presses the "Use" button in FIG. 34. The terms of use for using the in-house loan of this embodiment are displayed. Specifically, the terms of use stipulate that the loan is an internal payment of salary, that the interest rate of the loan is 0%, that the transfer fee is borne by the user, i.e., the worker, and that the loan is repaid by deducting it from the salary payment. In addition, considering that it is a loan, a "Minor" button is displayed in case the worker is a minor. If the worker is a minor and presses this "Minor" button, the screen transitions to a screen for obtaining parental consent. If the worker is not a minor, either the "Agree" button or the "Disagree" button is selected and pressed. A worker who agrees to the terms presses the "Agree" button.

[0156] FIG. 36 shows an example of a screen that is displayed when the worker presses the "Agree" button in FIG. 35. The available amount is displayed again together with the timing of the transfer. In addition, "App Wallet" and "Salary Transfer Account" are displayed as a selection menu for withdrawal destinations. Here, "App Wallet" is a menu to be selected when receiving payment as electronic money. Also, "Salary Transfer Account" is a menu to be selected when receiving payment as cash. In either case, it is executed as an internal loan under a specified interest rate condition. The worker selects either "App Wallet" or "Salary Transfer Account." Note that it is also possible to select both electronic money and cash by selecting "App Wallet" in the first operation and then selecting "Salary Transfer Account" in the second operation. When "App Wallet" is selected, the selection data for electronic money is sent, and when "Salary Transfer Account" is selected, the selection data for cash is sent.

[0157] FIG. 37 shows an example of a screen that is displayed when the worker selects "App Wallet" in FIG. 36 and presses the "Use" button. An input field for the requested amount of electronic money is displayed, and the worker inputs the requested amount by appropriately pressing amount adjustment buttons such as "+1,000", "+5,000", and "+10,000". In addition to the input field for the requested amount, the transfer amount (same as the requested amount), fees, the total application amount, and the transfer timing are displayed. The transfer timing is any timing before the specified payday, and is the day the worker applies for use using the screen, or the day processing in the system is completed (for example, the day after the application date). After checking the requested amount, fees, application amount, and transfer timing, the worker presses the "Apply" button.

[0158] Figure 38 shows an example of a screen that is displayed when the "Apply" button in Figure 37 is pressed. A message is displayed indicating that the application has been completed, and the amount of the transferred electronic money. After the transfer, when the worker starts the wallet app and checks the electronic money balance, the amount of the application will be newly added.

[0159] As described above, in this embodiment, the worker can receive in-house financing at a predetermined interest rate according to his / her work performance, and can receive the financing in various forms. In this embodiment, the worker can receive cash or electronic money as in-house financing at any timing before the predetermined payday, so that the worker can essentially receive the salary in the desired form of cash or electronic money at any timing before the predetermined payday. Payroll deductions such as tax calculations are required for payroll payment, but such deductions can be deducted in advance from the available amount data. In addition, for minors, smooth use can be achieved by making it mandatory to register the date of birth and making it a flow to require parental consent.

[0160] In this embodiment, since the worker receives an in-house loan only if it is linked to his / her own work performance and does not deviate too far from the range of his / her work performance, the worker can use this system without worrying about overborrowing. Also, the employer can respond appropriately to the diverse benefit requests of the worker.

[0161] In this embodiment, it is also possible for a worker to receive his / her entire salary in the form of electronic money as an internal loan. [Explanation of symbols]

[0162] 10 company computer, 12 labor data processing computer, 14 payment computer, 16 user terminal, 18 seller terminal, 20 communication network.

Claims

1. The terminals used by workers, A loan device connected to the worker's terminal so as to be capable of transmitting and receiving data; a payment device connected to the utilization terminal and the financing device so as to be capable of transmitting and receiving data; An in-house loan system linked to work performance, The terminal used by the worker is A request data transmission means for transmitting request data including requested amount data and data on the ratio of the cash amount to the electronic money amount to the loan device at an arbitrary timing. Equipped with The financing device includes: an input means for inputting the request data transmitted from the terminal of the worker; A storage means for storing the daily wage data of the worker; a processing means for calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to the date of input of the request data, calculating available amount data based on amount data obtained by subtracting cumulative data for the period of amount data already loaned to the worker from the cumulative data, comparing the amount specified in the request amount data with the amount specified in the available amount data, creating and outputting transfer data for lending the cash amount specified in the ratio data to the worker under a predetermined interest rate condition if the amount specified in the request amount data does not exceed the amount specified in the available amount data, and creating and outputting electronic money issuance request data for charging the user terminal of the worker with the electronic money amount specified in the ratio data to be loaned to the worker under a predetermined interest rate condition, and refusing to create the transfer data if the amount specified in the request amount data exceeds the amount specified in the available amount data; means for transferring said cash amount to said worker's account based on said transfer data; Equipped with The payment device, an electronic money processing means for issuing electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the loan device and charging the user terminal of the worker; An in-house loan system linked to work performance.

2. In the in-house financing system linked to work performance according to claim 1, The terminal used by the worker is A default value input means for inputting a default value of the ratio data from the financing device; a display means for displaying the default value of the ratio data; An operating means for allowing the worker to adjust the default value; Equipped with The financing device includes: A ratio data storage means for storing a history of the ratio data input from the terminal of the worker in association with the worker; An adjustment means for adjusting a default value of the ratio of the worker using the history of the ratio data; and a default value transmission means for transmitting the adjusted default value of the ratio to the user terminal of the worker. An in-house loan system linked to work performance.

3. In the in-house loan system linked to work performance according to claim 1 or 2, The electronic money amount includes a labor value amount, The processing means creates labor value data for charging the labor value amount specified by the ratio data to the terminal used by the worker to lend the labor value amount specified by the ratio data to the worker under specified interest rate conditions, and outputs the data to the terminal used by the worker, in an in-house loan system linked to labor performance.

4. an input means for inputting request data including requested amount data and data on the ratio of the amount of cash to the amount of electronic money from a terminal used by a worker; A storage means for storing the daily wage data of the worker; a processing means for calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to the date of input of the request data, calculating available amount data based on amount data obtained by subtracting cumulative data of amount data already prepaid to the worker for the period from the cumulative data, comparing the amount specified in the request amount data with the amount specified in the available amount data, creating and outputting transfer data for lending the cash amount specified in the ratio data to the worker under a predetermined interest rate condition if the amount specified in the request amount data does not exceed the amount specified in the available amount data, and creating and outputting electronic money issuance request data for charging the user terminal of the worker with the electronic money amount specified in the ratio data to be loaned to the worker under a predetermined interest rate condition, and refusing to create the transfer data if the amount specified in the request amount data exceeds the amount specified in the available amount data; means for transferring said cash amount to said worker's account based on said transfer data; An in-house financing system linked to labor performance.

5. In the in-house financing device linked to work performance according to claim 4, A ratio data storage means for storing a history of the ratio data input from the terminal of the worker in association with the worker; an adjustment means for adjusting the default worker ratio using the historical ratio data; A transmission means for transmitting the adjusted ratio default value to the user terminal of the worker; An in-house financing system linked to labor performance.

6. In the in-house financing device linked to work performance according to any one of claims 4 and 5, The electronic money amount includes a labor value amount, The processing means is an in-house financing device linked to labor performance, which creates and outputs labor value data for charging the labor value amount specified by the ratio data to the terminal used by the worker when the labor value amount specified by the ratio data is not 0.

7. The computer processor A step of inputting request data including requested amount data and ratio data of the cash amount to the electronic money amount from a terminal used by a worker; storing the daily wage data of the worker in a storage means; calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to the date of input of the request data, calculating available amount data based on amount data obtained by subtracting cumulative data of amount data already prepaid to the worker for the period from the cumulative data, comparing the amount specified in the request amount data with the amount specified in the available amount data, creating and outputting transfer data for lending the amount of cash specified in the ratio data to the worker under a predetermined interest rate condition if the amount specified in the request amount data does not exceed the amount specified in the available amount data, and creating and outputting electronic money issuance request data for charging the user terminal of the worker with the amount of electronic money specified in the ratio data to be loaned to the worker under a predetermined interest rate condition, and refusing to create the transfer data if the amount specified in the request amount data exceeds the amount specified in the available amount data; depositing the cash amount into the worker's account based on the transfer data; A program that executes the following.

8. The program according to claim 7, further comprising: a step of storing a history of the ratio data input from the terminal of the worker in the storage means in association with the worker; adjusting the default worker ratios using the historical ratio data; Sending a default value of the adjusted ratio to the user terminal of the worker; A program that executes the following.

9. The program according to claim 7 or 8, further comprising: The electronic money amount includes a labor value amount, a step of creating and outputting labor value data for charging the labor value amount specified by the ratio data to the terminal of the worker when the labor value amount specified by the ratio data is not 0; A program that executes the following.

10. The computer processor inputting default values ​​of available amount data and ratio data of cash amount to electronic money amount from the financing device; displaying the available amount and the default value of the ratio data on a display means; creating request data including requested amount data and data on the ratio of the cash amount to the electronic money amount in response to an operation from an operation unit; transmitting the request data to the financing device; receiving electronic money data of an amount of electronic money specified by the ratio data from a settlement device and performing a charge process; A program that executes the following.

11. The program according to claim 10, further comprising: The electronic money amount includes a labor value amount, receiving labor value data of the labor value amount specified by the ratio data from the in-house financing device and processing the charge when the labor value amount specified by the ratio data is not 0; A program that executes the following.

12. Input the request data including the requested amount data and the ratio data of the cash amount and the electronic money amount from the worker's terminal, Calculate cumulative data for the period from a predetermined start date of the daily wage data of the worker to the date of input of the request data; Calculating available amount data based on amount data obtained by subtracting cumulative data of amount data already paid in advance to the worker during the period from the cumulative data; comparing the amount specified by the requested amount data with the amount specified by the available amount data; create and output transfer data for lending the cash amount specified by the ratio data to the worker under a specified interest rate condition when the amount specified by the requested amount data does not exceed the amount specified by the available amount data, and create and output electronic money issuance request data for charging the user terminal of the worker with the electronic money amount specified by the ratio data to be loaned to the worker under a specified interest rate condition, and reject the creation of the transfer data when the amount specified by the requested amount data exceeds the amount specified by the available amount data; depositing the cash amount into the worker's account based on the transfer data; An internal financing method linked to work performance.

13. The method for in-house financing linked to work performance according to claim 12, further comprising: storing said historical ratio data in a storage means in association with said worker; adjusting default values ​​of ratios for said workers using said historical ratio data; Sending the adjusted ratio default value to the user terminal of the worker; An internal financing method linked to work performance.

14. The method for in-house financing linked to work performance according to any one of claims 12 and 13, further comprising: The electronic money amount includes a labor value amount, When the labor value amount specified by the ratio data is not 0, create and output labor value data for charging the labor value amount specified by the ratio data to the terminal of the worker so as to lend the labor value amount to the worker under a predetermined interest rate condition. An internal financing method linked to work performance.

15. The terminals used by workers, A loan device connected to the worker's terminal so as to be capable of transmitting and receiving data; a payment device connected to the utilization terminal and the financing device so as to be capable of transmitting and receiving data; An in-house loan system linked to work performance, The terminal used by the worker is A request data transmission means for transmitting request data including requested amount data and selection data between a cash amount and an electronic money amount to the loan device at an arbitrary timing. Equipped with The financing device includes: an input means for inputting the request data transmitted from the terminal of the worker; A storage means for storing the daily wage data of the worker; a processing means for calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to the date of input of the request data, calculating available amount data based on amount data obtained by subtracting cumulative data for the period of amount data already loaned to the worker from the cumulative data, comparing the amount specified in the request amount data with the amount specified in the available amount data, creating and outputting transfer data for loaning the cash amount selected in the selection data to the worker under a predetermined interest rate condition if the amount specified in the request amount data does not exceed the amount specified in the available amount data, creating and outputting electronic money issuance request data for charging the user terminal of the worker to loan the electronic money amount selected in the selection data to the worker under a predetermined interest rate condition, and outputting the electronic money issuance request data to the settlement device, and refusing to create the transfer data if the amount specified in the request amount data exceeds the amount specified in the available amount data; means for transferring said cash amount to said worker's account based on said transfer data; Equipped with The payment device, an electronic money processing means for issuing electronic money in an amount corresponding to the electronic money amount based on the electronic money issuance request data from the loan device and charging the user terminal of the worker; An in-house loan system linked to work performance.

16. an input means for inputting request data including requested amount data and selection data between a cash amount and an electronic money amount from a terminal used by a worker; A storage means for storing the daily wage data of the worker; a processing means for calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to the date of input of the request data, calculating available amount data based on amount data obtained by subtracting cumulative data of amount data already prepaid to the worker for the period from the cumulative data, comparing the amount specified in the request amount data with the amount specified in the available amount data, creating and outputting transfer data for lending the cash amount selected in the selection data to the worker under a predetermined interest rate condition if the amount specified in the request amount data does not exceed the amount specified in the available amount data, creating and outputting electronic money issuance request data for charging the user terminal of the worker with the electronic money amount selected in the selection data to be loaned to the worker under a predetermined interest rate condition, and refusing to create the transfer data if the amount specified in the request amount data exceeds the amount specified in the available amount data; means for transferring said cash amount to said worker's account based on said transfer data; An in-house financing system linked to labor performance.

17. The computer processor A step of inputting request data including requested amount data and selection data of cash amount and electronic money amount from a terminal used by a worker; storing the daily wage data of the worker in a storage means; calculating cumulative data for the period from a predetermined start date of the daily wage data of the worker stored in the storage means to the date of input of the request data, calculating available amount data based on amount data obtained by subtracting cumulative data of amount data already prepaid to the worker for the period from the cumulative data, comparing the amount specified in the request amount data with the amount specified in the available amount data, creating and outputting transfer data for lending the cash amount specified in the selection data to the worker under a predetermined interest rate condition if the amount specified in the request amount data does not exceed the amount specified in the available amount data, creating and outputting electronic money issuance request data for charging the user terminal of the worker with the electronic money amount specified in the selection data to be loaned to the worker under a predetermined interest rate condition, and refusing to create the transfer data if the amount specified in the request amount data exceeds the amount specified in the available amount data; depositing the cash amount into the worker's account based on the transfer data; A program that executes the following.

18. Input the request data including the requested amount data and the selection data of the cash amount and the electronic money amount from the worker's terminal, Calculate cumulative data for the period from a predetermined start date of the daily wage data of the worker to the date of input of the request data; Calculating available amount data based on amount data obtained by subtracting cumulative data of amount data already paid in advance to the worker during the period from the cumulative data; comparing the amount specified by the requested amount data with the amount specified by the available amount data; if the amount specified by the request amount data does not exceed the amount specified by the available amount data, create and output transfer data for lending the cash amount selected by the selection data to the worker under a specified interest rate condition; create and output electronic money issuance request data for charging the user terminal of the worker with the electronic money amount selected by the selection data to be loaned to the worker under a specified interest rate condition; and reject the creation of the transfer data if the amount specified by the request amount data exceeds the amount specified by the available amount data; depositing the cash amount into the worker's account based on the transfer data; An internal financing method linked to work performance.

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