Determination device and determination method

Abstract

To enable a worker to have an advance on his or her salary.SOLUTION: A determination device comprises: a work information acquisition unit which, with respect to work performed by a worker, acquires work information relating to a work result of the worker including working hours of the worker and a work attitude of the worker; a credit determination unit which, if the worker applies for a service of returning the amount of money corresponding to a profit after receiving the profit from a service provider, determines a credit rating showing a degree of possibility that the worker returns the amount of money corresponding to the profit, on the basis of the work information; and an application permission / rejection output unit which outputs information showing that the worker can apply for the service or not in accordance with the credit rating and a threshold.SELECTED DRAWING: Figure 3

Description

[Technical Field]

[0001] The present invention relates to a determination device and a determination method. [Background technology]

[0002] Traditionally, workers have searched for and applied for the jobs they want from job advertisements in part-time job information magazines, job flyers, websites that aggregate job advertisements, etc. (See, for example, Patent Document 1.) When a worker suddenly needs money, if the job they have applied for is a long-term job lasting several months or several years, they may be able to receive the amount of money they expect to earn in the future before payday (a salary advance). [Prior art documents] [Patent documents]

[0003] [Patent Document 1] Japanese Patent Application Laid-Open No. 2002-73868 Summary of the Invention [Problem to be solved by the invention]

[0004] On the other hand, there were also requests for wage advances from workers who applied for short-term jobs of one or two days. However, if the job a worker applied for is short-term, the worker's workplace will change in a short period of time. In this case, it was difficult to request a wage advance because the worker could not receive the amount of money they expected to earn at another workplace from their current boss.

[0005] The present invention has been made in consideration of the above-mentioned points, and aims to provide a technique that allows workers to borrow their wages in advance. [Means for solving the problem]

[0006] One aspect of the present invention is a judgment device that includes a labor information acquisition unit that acquires labor information regarding a worker's work performance, including the worker's working hours and work attitude, for work performed by the worker; a credit judgment unit that judges, based on the labor information, a credit rating that indicates the degree of likelihood that the worker will repay an amount corresponding to a profit if the worker applies for a service in which the worker receives a profit from a service provider and then repays an amount corresponding to the profit; and an application necessity output unit that outputs information indicating whether the worker can apply for the service based on the credit rating and a threshold value.

[0007] In one aspect of the present invention, the application necessity output unit further outputs an upper limit of the amount of profit determined according to the creditworthiness.

[0008] In addition, in one aspect of the present invention, the judgment device further includes a repayment information acquisition unit that acquires repayment information regarding the repayment history of the worker who repaid an amount corresponding to the benefit received by applying for the service, and the credit judgment unit judges the creditworthiness based on the labor information and the repayment information.

[0009] In one aspect of the present invention, the repayment method for repaying an amount corresponding to the profits received from the service includes a repayment method in which a predetermined percentage of the salary earned by the worker for work performed after signing up for the service is used for repayment before the salary is paid to the worker.

[0010] In one aspect of the present invention, the service is provided with a plurality of repayment methods for repaying an amount corresponding to the benefit received, and the threshold is set for each of the plurality of repayment methods.

[0011] Another aspect of the present invention is a judgment method having a labor information acquisition process for acquiring labor information regarding a worker's work performance, including the worker's working hours and work attitude, for work performed by the worker; a credit judgment process for determining, based on the labor information, a credit rating that indicates the degree of likelihood that the worker will repay an amount corresponding to the profit if the worker applies for a service in which the worker receives a profit from a service provider and then repays an amount corresponding to the profit; and an application necessity output process for outputting information indicating whether the worker can apply for the service based on the credit rating and a threshold value. [Effects of the Invention]

[0012] According to the present invention, workers can borrow their wages in advance. [Brief explanation of the drawings]

[0013] [Figure 1] FIG. 10 is a schematic diagram illustrating an example of a service. [Figure 2] 1 is a block diagram illustrating an example of the configuration of a system 5 that realizes some of the functions of a service according to an embodiment. [Figure 3] 1 is a block diagram illustrating an example of a functional configuration of a determination device according to a first embodiment. [Figure 4] FIG. 10 is a diagram showing an example of a display screen that displays the determined credit rating. [Figure 5] FIG. 10 is a diagram showing an example of a display screen that is displayed after operating a loan application button. [Figure 6] FIG. 10 is a diagram showing an example of a display screen that is displayed after selecting one of the buttons in the repayment course selection section. [Figure 7] 10 is a flowchart illustrating an example of the processing flow of each device during a borrowing service. [Figure 8] FIG. 10 is a block diagram illustrating an example of a functional configuration of a determination device according to a second embodiment. [Figure 9] FIG. 10 is a diagram showing an example of a display screen that displays an option for a worker to apply for a job and pay when purchasing a product. [Figure 10] FIG. 10 is a diagram showing an example of a display screen that is displayed after a job selection screen transition button is operated. [Figure 11] 10 is a flowchart showing an example of the flow of processing by a determination device and a terminal device according to the second embodiment. [Figure 12] FIG. 10 is a block diagram illustrating an example of a functional configuration of a determination device according to a third embodiment. [Figure 13] FIG. 10 is a diagram illustrating an example of a display screen that displays a list of job offers. [Figure 14] When a job offer is selected from the job offer list display area, this is a display screen that displays details of the selected job offer. [Figure 15] 11 is a flowchart showing an example of the flow of processing by a determination device and a terminal device according to a third embodiment. [Figure 16] 1 is a block diagram showing an example of an internal configuration of a determination device according to an embodiment of the present invention; DETAILED DESCRIPTION OF THE INVENTION

[0014] [Embodiment 1] A preferred embodiment of a determination device and a determination method according to the present invention will be described in detail below with reference to the accompanying drawings. Note that the present invention is not limited to these embodiments and includes various modifications and improvements. In other words, the components described below include those that can be easily imagined by a person skilled in the art and those that are substantially identical, and the components described below can be combined as appropriate. Furthermore, various omissions, substitutions, or modifications of the components of the present invention are possible within the scope of the present invention.

[0015] First, an overview of the entire service 1 according to this embodiment will be described with reference to FIG.

[0016] Figure 1 is an overview diagram for explaining an example of Service 1. Figure 1 shows an example of the relationship between a worker 2, an employer 3, and a service provider 4 in Service 1. Worker 2 is a person who receives wages in exchange for providing labor. Worker 2 applies for short-term employment jobs such as short-term part-time jobs, one-off jobs, or spot jobs. Employer 3 is a person who uses Worker 2 and pays wages in exchange. Service provider 4 is a person who provides Service 1. Service 1 is a system in which service provider 4 acts as an intermediary between Worker 2 and Employer 3, facilitating actions such as recruitment by Employer 3, application by Worker 2, and payment of wages by Employer 3 to Worker 2.

[0017] The relationship between the worker 2, user 3, and service provider 4 when service 1 is used will be specifically described below. The user 3 operates the terminal device 10 to send the application conditions for human resources to the determination device 20 owned by the service provider 4 (step S101). The determination device 20 sends the acquired application conditions to the terminal device 10 owned by the worker 2 (step S102). The worker 2 applies for the job of his / her choice from among the job offers with the sent application conditions (step S103). The determination device 20 acquires the application from the worker 2 and sends a notification of the application to the terminal device 10 owned by the user 3 (step S104). The user 3 confirms that the application has been made and accepts the application.

[0018] The determination device 20 transmits information indicating that the application has been accepted to the terminal device 10 possessed by the worker 2. If the application is accepted, the worker 2 provides labor to the employer 3 (step S105). The service provider 4 pays the worker 2 wages according to the application conditions on behalf of the employer 3 (step S106). If the job is a one-time part-time job for only one day, the service provider 4 may pay the wage when the worker 2 finishes working for that day. The employer 3 pays the service provider 4 an amount corresponding to the wages the service provider 4 paid to the worker 2 (step S107). The employer 3 may pay the amount corresponding to the wages the service provider 4 paid to the worker 2 over the course of a month, for example, once a month.

[0019] With Service 1, when an Employer 3 is short of staff at a store it operates, it can widely advertise for workers 2 who are using Service 1. In addition, Employer 3 can consolidate payments to workers 2, such as part-time workers, who wish to be paid on the same day, into one lump sum, thereby reducing the hassle of payments and accounting.

[0020] FIG. 2 is a block diagram illustrating an example of the configuration of a system 5 that realizes some of the functions of the service 1 according to the embodiment. The system 5 according to the present embodiment realizes a function in the above-described service that provides benefits according to the labor to be provided before the labor is provided (step S106 is performed before step S105). Specifically, the determination device 20 determines the creditworthiness of the worker 2 based on the work performance of the worker 2, and determines whether the worker 2 can borrow from the service provider 4 based on the creditworthiness. Hereinafter, a service that allows the worker 2 to borrow from the service provider 4 may be referred to as a borrowing service.

[0021] The system 5 includes a plurality of terminal devices 10 and a determination device 20. Terminal devices 10-1 to 10-3 are examples of the plurality of terminal devices 10. In the following description, when the plurality of terminal devices 10 are not distinguished from one another, they may be simply referred to as terminal devices 10. The plurality of terminal devices 10 and the determination device 20 are connected to one another via a network NW. The network NW is a predetermined communication network configured using lines, such as the Internet.

[0022] The terminal device 10 is operated by a worker 2 or a user 3. A terminal device 10 may be provided for each worker 2 or user 3. Alternatively, a terminal device 10 may be provided for each store operated by a user 3. The terminal device 10 is, for example, an information processing device such as a smartphone, a tablet terminal, or a personal computer.

[0023] The determination device 20 presents a combination of multiple job offers to the worker 2 based on the conditions desired by the worker 2 (for example, desired period, total hourly wage, etc.). The determination device 20 will be specifically described with reference to FIG. 3.

[0024] FIG. 3 is a block diagram illustrating an example of the functional configuration of the determination device 20 according to the first embodiment. The determination device 20 includes a work information acquisition unit 21, a repayment information acquisition unit 22, a control unit 23, a storage unit 24, and an application necessity output unit 25. Each of these functional units is implemented using, for example, a computer including a CPU (Central Processing Unit) and memory, and software. Each functional unit may also be implemented using electronic circuits as necessary. Furthermore, each functional unit does not have to be included in a single device, and the determination device 20 may be configured from multiple devices.

[0025] The work information acquisition unit 21 acquires work information about the work performed by the worker 2. The work information is information about the work performance of the worker 2. The work performance is the work content of the worker 2 guaranteed by the service provider 4. The information about the work performance may include, for example, the industry, job type, working hours, whether or not the worker 2 arrived late or left early, the lateness rate, average lateness time, hourly wage, and an evaluation of the worker 2 from the employer 3. The industry, job type, and hourly wage may be acquired, for example, based on the application conditions for the job sent from the terminal device 10 owned by the user 3. The evaluation of the worker 2 may also be acquired based on the user 3's operation. Furthermore, the working hours and whether or not the worker 2 arrived late, left early, or was absent may be determined by a functional unit (not shown) based, for example, on the working hours stated in the application conditions and the actual times the worker 2 arrived and left work. In this case, the work information acquisition unit 21 acquires the determined information from a functional unit (not shown).

[0026] The repayment information acquisition unit 22 acquires repayment information relating to the repayment record of the worker 2 who applied for the borrowing service. The repayment information may include, for example, information relating to the repayment record for the borrowing service, such as the total amount borrowed by the worker 2 since applying for the borrowing service and the number of times the worker 2 has been late in repayment, or may include credit information indicating objective transaction facts registered by a credit information agency.

[0027] The control unit 23 further includes a credit determination unit 231. The control unit 23 acquires work information from the work information acquisition unit 21. The control unit 23 also acquires repayment information from the repayment information acquisition unit 22. The control unit 23 stores the acquired work information in the memory unit 24. The control unit 23 also controls the information output by the application necessity output unit 25 based on the acquired information.

[0028] The storage unit 24 updates or accumulates and stores the work information output from the control unit 23. That is, the work information stored in the storage unit 24 is work information about work for a period equal to or longer than the period indicated by the work information acquired by the work information acquisition unit 21.

[0029] The credit determination unit 231 acquires work information by referencing the storage unit 24. The credit determination unit 231 also acquires repayment information from the repayment information acquisition unit 22. The credit determination unit 231 determines the creditworthiness of the worker 2 who applied for the loan service, indicating the likelihood that the worker 2 will repay the borrowed amount by the due date, based on the worker 2's work performance and repayment performance. The creditworthiness may be expressed as a grade (hereinafter, sometimes referred to as a "grade") divided into any number of levels, such as 10, or as a value (hereinafter, sometimes referred to as a "score") calculated by a predetermined algorithm using the worker's work performance and repayment performance. In this embodiment, it is the service provider 4 that lends the worker 2 money. The service provider 4 recovers the loaned amount by having the worker 2 earn money from a job applied for using the service 1. Therefore, the credit determination unit 231 determines the worker 2's creditworthiness based on the likelihood that the worker 2 will repay the loan by working using the service 1. Specifically, a worker 2 who has a long work history because he or she has worked a lot using service 1 is likely to continue working using service 1 and make repayments. Therefore, the credit judgment unit 231 may determine the creditworthiness of a worker 2 with a long work history to be relatively high. On the other hand, it is unclear whether a worker 2 who does not work much using service 1 or a worker 2 who is often late or absent from work will continue to work using service 1 or will make proper repayments. Therefore, the credit judgment unit 231 may determine the creditworthiness of a worker 2 with a short work history or a poor work history to be relatively low. The creditworthiness can be used by the worker 2 as a means to gain trust or as a criterion when the employer 3 selects which worker 2 to hire. Furthermore, the accumulated creditworthiness becomes a sunk cost, preventing the worker 2 from dropping out of service 1.

[0030] The control unit 23 compares the credit rating determined by the credit rating determination unit 231 with a threshold value predetermined by the service provider 4 to determine whether the worker 2 is eligible to apply for the loan service. The threshold value is a value or rank of the credit rating. The control unit 23 may also determine the upper limit of the amount of money that the worker 2 can apply for a loan based on the credit rating. This allows the service provider 4 to expect the worker 2 to increase applications using the service 1 in order to increase the credit rating and borrow more, and to be careful not to be late, absent, or late in repayment.

[0031] The application necessity output unit 25 outputs, in accordance with the control performed by the control unit 23, information indicating whether or not an application screen for the borrowing service should be displayed to the worker 2, to the terminal device 10 possessed by the worker 2. In addition, the application necessity output unit 25 outputs, to the terminal device 10, information indicating the amount that the worker 2 can borrow.

[0032] Next, the borrowing service and repayment method will be specifically explained with reference to FIGS.

[0033] Fig. 4 is a diagram showing an example of a display screen IM that displays the determined credit rating. The worker 2 checks his / her own credit rating by looking at the display screen IM displayed on the terminal device 10. Fig. 4(A) has a screen configuration including a credit rating display section 1100, a loan application button 1200, and a toolbar 1300.

[0034] The credit rating display unit 1100 has a credit score display unit 1110 and a credit grade display unit 1120. The credit rating display unit 1100 displays the credit rating determined by the credit rating determination unit 231. The credit score display unit 1110 displays a score indicating the credit rating of worker 2. The credit grade display unit 1120 displays a grade indicating the credit rating of worker 2. In FIG. 4(A), the grade of worker 2 is displayed as "D". In this embodiment, the grade "D" indicates that worker 2 has little work experience, such as having only worked a few times since creating an account or using service 1.

[0035] When the loan application button 1200 is operated, a loan application screen is displayed. In FIG. 4(A), the loan application button 1200 is not activated, i.e., it is not operated by the worker 2. A worker with a grade of "D" has little work experience, and it is unclear whether he or she will continue to work using the service 1 in the future. Therefore, the service provider 4 does not need to allow the worker 2 to apply for a loan.

[0036] The toolbar 1300 is a button that displays any screen within the app for the service 1 provided by the service provider 4. The toolbar 1300 shows an example in which a My Shift icon 1310, a Payroll Calculation icon 1320, a Part-Time Job Search icon 1330, and a Credit Rating icon 1340 are displayed. When the My Shift icon 1310 is operated, it displays a schedule screen showing the shifts registered by the worker 2, organized by employer and date. When the Payroll Calculation icon 1320 is operated, it displays a screen showing the total salary earned by the worker 2 this month and the total salary that the worker 2 is expected to earn this month. When the Part-Time Job Search icon 1330 is operated, it displays a screen listing job offers. When the Credit Rating icon 1340 is operated, it displays a score and grade indicating the worker 2's credit rating. That is, FIG. 4(A) is an example of a screen displayed after the Credit Rating icon 1340 is operated.

[0037] 4(B) and 4(C), like FIG. 4(A), show an example of a screen displayed after the credit icon 1340 is operated. Unlike FIG. 4(A), FIG. 4(B) displays Worker 2's grade as "C." In this embodiment, grade "C" indicates that Worker 2 has performed a certain amount of work using Service 1, but has little work experience or a poor work attitude. Also, unlike FIGS. 4(A) and 4(B), FIG. 4(C) displays Worker 2's grade as "A." In this embodiment, grade "A" indicates that Worker 2 has performed a large amount of work using Service 1 and has a good or poor work attitude. In FIGS. 4(B) and 4(C), the loan application button 1200 is active. Worker 2 can apply for a loan by operating the loan application button 1200.

[0038] FIG. 5 is a diagram showing an example of a display screen IM that is displayed after operating the loan application button 1200. FIG. 5(A) shows an example of a loan application screen that is displayed when a worker 2 with a grade of "C" operates the loan application button 1200 (FIG. 4(B)). FIG. 5(A) has a screen configuration that includes a loan amount input section 2100, a repayment course selection section 2200, and a borrow button 2300. In other words, multiple repayment methods are provided for repaying the amount borrowed through the loan service.

[0039] In the borrowing amount input section 2100, worker 2 inputs the amount he or she wishes to borrow. The borrowing amount input section 2100 is previously input with the maximum amount that worker 2 can borrow. In FIG. 5(A), 30,000 yen is displayed as the maximum amount. If worker 2 does not operate the borrowing amount input section 2100, the borrowing amount that worker 2 applies for will be the maximum amount.

[0040] Options for repaying the borrowed amount are displayed in the repayment plan selection section 2200. The repayment plan selection section 2200 has a payroll deduction plan 2210, an account debit plan 2220, and a credit card debit plan 2230.

[0041] Payroll deduction course 2210 is a button that, when operated, selects the "payroll deduction course" as the repayment method. The payroll deduction course is a repayment method in which, upon application, the desired amount is transferred to the account held by Worker 2, and then a predetermined percentage of the salary obtained from the job application that Worker 2 applied for using Service 1 is used to repay the amount borrowed by Worker 2. In other words, the payroll deduction course is a repayment method in which, after Worker 2 borrows money, the money is repaid by working using Service 1.

[0042] Direct Debit Course 2220 is a button that, when operated, selects the "Direct Debit Course" as the repayment method. Direct Debit Course is a repayment method in which, upon application, the desired amount is transferred to the account held by Worker 2, and then the desired amount and the amount including interest are deducted from the account in one lump sum or in installments.

[0043] In the payroll deduction course and direct debit course, it is the service provider 4 that lends money to the worker 2 as a benefit. Therefore, the service provider 4 permits applications from workers 2 who are likely to continue working using service 1 in the future. In Figure 5(A), the grade of the worker 2 making the application is "C" and the worker 2 does not have much experience working using service 1. Since it is unlikely that the worker 2 will continue to work using service 1 and make repayments, the buttons for the payroll deduction course 2210 and direct debit course 2220 are not activated.

[0044] The credit card withdrawal course 2230 is a button that, when operated, selects the "credit card withdrawal course" as the repayment method. The credit card withdrawal course is a course in which the service provider 4 mediates the worker 2's application for a credit card to a credit card company. The worker 2 uses the cash advance limit of the applied credit card to purchase goods or withdraw cash, and deposits the amount into the registered account by the credit guard withdrawal deadline.

[0045] In the credit card debit course, it is the credit card company that issues the credit card that lends money to Worker 2 as a benefit. Therefore, Service Provider 4 does not care whether Worker 2 will continue to work using Service 1 in the future. In Figure 5(A), Worker 2 who applies has a grade of "C" and does not have much experience working using Service 1, but the button for Credit Card Debit Course 2230 is activated. In other words, Worker 2 with a grade of "C" can use Credit Card Debit Course 2230.

[0046] In addition, to prevent worker 2 from registering an account to be used for service 1 just for the credit card, service provider 4 may set the threshold for application for credit card debit course 2230 to a lower credit rating than the threshold for application for payroll deduction course 2210 and direct debit course 2220. Furthermore, payroll deduction course 2210 is a repayment course in which repayment is made by worker 2 continuing to work, and it is more important for worker 2 to continue working than for direct debit course 2220. Therefore, service provider 4 may set the threshold for application for payroll deduction course 2210 to a higher credit rating than the threshold for application for direct debit course 2220.

[0047] When the borrow button 2300 is operated, Worker 2 applies for a loan using the course selected by Worker 2. After the loan application is made, the amount entered in the loan amount input section 2100 is deposited into the salary receiving account set up for receiving salary. Worker 2 makes repayment in accordance with the selected repayment method.

[0048] Figure 6 is a diagram showing an example of a display screen IM that is displayed after selecting one of the buttons in the repayment course selection section 2200. Figure 6(A) is an example of a display screen IM that is displayed after selecting a salary deduction course 2210. In Figure 6(A), the salary deduction course 2210 has a salary deduction rate input section 2211.

[0049] In the salary deduction rate input section 2211, worker 2 inputs the rate to be allocated to repayment (hereinafter, sometimes referred to as the deduction rate) in the salary deduction course. If the deduction rate is too high, worker 2 may have little money left even if he or she works, and may not be able to make a living. If he or she is unable to make a living, he or she may not have the means to work another job, which may actually delay repayment. On the other hand, if the deduction rate is too low, the number of jobs required to pay off the loan will be extremely large, increasing the possibility that worker 2 will default on the amount borrowed. Therefore, the upper and lower limits of the deduction rate may be set by the service provider 4. Furthermore, the deduction rate may be set by worker 2 by selecting the desired deduction rate from predetermined options, or it may not be possible to change the deduction rate preset by the service provider 4.

[0050] 6(B) is a diagram showing an example of a display screen IM that is displayed after the account debit course 2220 is selected. In FIG. 6(B), the account debit course 2220 has a debit account setting section 2221.

[0051] In the direct debit plan, information specifying the account from which the repayment amount will be debited and information related to the debit are input to the debit account setting unit 2221. Information specifying the account may include, for example, the bank name, branch name, deposit type, account number, account holder name, address, telephone number, etc. Information related to the debit may include, for example, the number of direct debits (one-time payment, two-time payment, installment payment), the date and time of the direct debit, etc.

[0052] 6(C) is a diagram showing an example of a display screen IM that is displayed after selecting the credit card withdrawal course 2230. In FIG. 6(C), the credit card withdrawal course 2230 has a credit application section 2231.

[0053] Information related to a credit card application is input to the credit application section 2231. The information related to a credit card application may include information required for application, such as the design and brand of the credit card (JCB (registered trademark) or VISA (registered trademark)), in addition to information specifying the account and information related to withdrawal.

[0054] 7 is a flowchart illustrating an example of the processing flow of each device during the borrowing service. The determination device 20 acquires work information (step S201). The determination device 20 also acquires repayment information (step S202). The determination device 20 accumulates or updates the work information and repayment information and stores them in the control unit 23 (step S203). The determination device 20 determines the credit score, which indicates the degree of likelihood that the worker 2 will repay, based on the accumulated information (step S204). The determination device 20 outputs information indicating whether or not to display a loan application screen to the terminal device 10 owned by the worker 2, based on the credit score and a threshold value. When the terminal device 10 acquires information indicating that the loan application screen should be displayed from the determination device 20, it activates the loan application button 1200 (step S205). The terminal device 10 sets the loan amount and repayment method based on the operation of the worker 2 (steps S206 and S207). When the worker 2 operates the borrow button 2300, the terminal device 10 applies for a loan (step S208). After the loan application is submitted, the money is immediately deposited into the worker 2's salary receiving account.

[0055] In the above-described first embodiment, an example of setting up a debit account when the direct debit option 2220 and the credit card debit option 2230 are selected is shown. However, this embodiment is not limited to this example, and the account set up for receiving salary may also be used as the transfer account and debit account. This allows the worker 2 to save the trouble of setting up a new account.

[0056] In the above-described first embodiment, an example is shown in which the work information acquisition unit 21 acquires work information about a certain job and stores or updates it in the storage unit 24. However, this embodiment is not limited to this example, and the work information acquisition unit 21 may acquire all of the work information indicating the work performance of the worker 2 to date from a storage device (not shown) in which the work information indicating the work performance of the worker 2 to date is stored.

[0057] In the above-described first embodiment, an example has been described in which the benefit given by the service provider 4 is money. However, this embodiment is not limited to this example, and the benefit may include digital money, the right to purchase goods or receive services, etc.

[0058] [Summary of Embodiment 1] According to the above-described embodiment, the assessment device 20 includes a labor information acquisition unit 21 that acquires labor information regarding the work performance of the worker 2, including the worker's working hours and work attitude, based on the labor information; a credit assessment unit 231 that assesses the worker's creditworthiness, which indicates the likelihood that the worker 2 will repay an amount corresponding to the profits received from the service provider 4 if the worker 2 applies for a loan service in which the worker 2 receives profits from the service provider 4 and then repays the amount corresponding to the profits received; and an application necessity output unit 25 that outputs information indicating whether the worker 2 can apply for the loan service based on the creditworthiness and a threshold value. Conventionally, workers 2 who work short-term jobs for multiple employers 3 frequently change workplaces, making it difficult for them to obtain advances from their superiors or other superiors at their workplaces. According to the assessment device 20 of this embodiment, the worker 2's creditworthiness is assessed based on the worker's work performance for work performed by multiple service providers 4, and a button for applying for the loan service is activated based on the creditworthiness. This allows workers 2 who are trusted by the service provider 4 to obtain advances (borrow) from the service provider 4.

[0059] Furthermore, according to the above-described embodiment, the application necessity output unit 25 further outputs an upper limit on the amount of profit determined according to the credit rating. According to the determination device 20 of this embodiment, a worker 2 with a relatively high credit rating can borrow more money than a worker 2 with a relatively low credit rating. By varying the upper limit according to the credit rating, it is expected that the worker 2 will increase their applications and improve their work attitude in order to increase their credit rating. Furthermore, by setting a lower upper limit for a worker 2 with a low credit rating, i.e., a worker 2 who is unlikely to repay, the service provider 4 can reduce the loss that occurs when the worker 2 defaults on a repayment.

[0060] Furthermore, according to the above-described embodiment, the assessment device 20 further includes a repayment information acquisition unit 22 that acquires repayment information regarding the repayment history of the worker 2, in which the worker 2 repaid an amount corresponding to the benefit received by applying for the borrowing service, and the credit assessment unit 231 assesses creditworthiness based on the work information and the repayment information. The assessment device 20 according to this embodiment assesses creditworthiness based on the actual repayment history in addition to the work history, thereby making it possible to assess the likelihood that the worker 2 will repay more realistically. This allows the assessment device 20 to accurately assess the worker 2 who is likely to default on repayment.

[0061] Furthermore, according to the above-described embodiment, the repayment method for repaying an amount corresponding to the profit received in the borrowing service includes a repayment method in which a predetermined percentage of the salary that Worker 2 earns from work performed after applying for the borrowing service is used for repayment before the salary is paid to Worker 2. This allows Worker 2 to make repayments without worrying about payment dates, etc., by performing work using Service 1. Furthermore, the salary deduction course 2210 allows Worker 2 to use a portion of the salary that he or she plans to earn from work for repayment, so that he or she can keep a certain amount of money on hand.

[0062] Furthermore, according to the above-described embodiment, the borrowing service provides multiple repayment methods (such as payroll deduction 2210, direct debit 2220, and credit card debit 2230) for repaying an amount corresponding to the benefit received, and a threshold is set for each of the multiple repayment methods. This allows workers 2 to apply for a loan by selecting one of the repayment methods, even if they have low credit. Furthermore, repayment methods with high thresholds (such as payroll deduction 2210 and direct debit 2220) often have lower interest rates than repayment methods with low thresholds (such as credit card debit 2230). By varying the thresholds, workers 2 can be expected to apply for more jobs and maintain a better work attitude, so that they can select repayment methods with lower interest rates.

[0063] [Embodiment 2] The determination device 20A according to the second embodiment is similar to the determination device 20 according to the first embodiment in that it deducts an amount corresponding to the benefit to be provided from the salary of the worker 2. The determination device 20A according to the second embodiment differs from the determination device 20 according to the first embodiment in that it presents job offers corresponding to the benefit to be provided to the worker 2. In the following description, matters that were explained in the first embodiment may be omitted.

[0064] 8 is a block diagram illustrating an example of the functional configuration of a determination device 20A according to embodiment 2. The determination device 20A mainly includes a first determination unit 30, a second determination unit 40, and a storage unit 24.

[0065] The first determination unit 30 includes a job offer receiving unit 31, a use acquisition unit 32, a job offer determination unit 33, and a job offer information output unit 34. The first determination unit 30 presents job offers to the worker 2 according to the price of the product or service that the worker 2 desires.

[0066] The job vacancy receiving unit 31 receives multiple job vacancies posted by each user 3 (step S101 in FIG. 1). When receiving the job vacancies, the job vacancy receiving unit 31 also acquires job information relating to the content of the job vacancies. The job information may be information that the user 3 inputs by operating the terminal device 10 in order to post the job vacancy. The job information is, for example, information that is written in a job posting. Specifically, the job information may include information about the job described in the job posting, such as the job title indicating the role of the job within the company (sales, clerical work, etc.), the company's industry (service, manufacturing, etc.), job content, appealing points of the job, start time (start time) and end time (finish time), work days and period, employment type of the recruited worker, information about the desired personnel such as required skills and experience, information needed for Worker 2 to get to the workplace such as the company name, address of the workplace, transportation access, travel time from the nearest station, salary to be paid such as monthly salary, daily wage, hourly wage, and minutely wage, perks and treatment given at the time of application or after work, information about benefits provided to Worker 2 such as employee benefits, and content freely entered by Employer 3. Job information may also include, for example, a job posting number that identifies multiple job postings, a user number that identifies User 3 posting the job posting, the date and time of posting, etc. The job offer receiving unit 31 may acquire job information for multiple job offers separately from each user 3, or may acquire the job information collectively from a storage device (not shown) in which job information for multiple job offers is stored.

[0067] The purpose acquisition unit 32 acquires purpose information regarding a product or service (hereinafter, sometimes referred to as a product, etc.) selected based on the operation of the worker 2 from the terminal device 10 operated by the worker 2. The purpose information may include, for example, the price of the product, etc., the name of the product, etc., the quantity of the product, etc. The service may include, for example, a service provided to the worker 2, such as accommodation services, food and drink, or a service for sending digital money or money from the worker 2 to a person designated by the worker 2.

[0068] The job vacancy determination unit 33 acquires job information from the job vacancy reception unit 31. The job vacancy determination unit 33 acquires usage information from the usage acquisition unit 32. From among multiple job vacancies included in the job information, the job vacancy determination unit 33 determines the job vacancy that offers the worker 2 the prospect of receiving a salary in an amount corresponding to the price of the product or the like selected by the worker 2. Specifically, the job vacancy determination unit 33 determines the job vacancy so that the price of the product or the like is equal to or less than a predetermined percentage of the expected salary that the worker 2 will receive by applying for the job and working. The predetermined percentage is determined in advance by the service provider 4 and is a percentage that can pay the full price of the product or the like even if the actual salary received fluctuates slightly. The job vacancy determination unit 33 may also determine a combination of multiple job vacancies as the job vacancy that offers the worker 2 the prospect of receiving a salary in an amount corresponding to the price of the product or the like.

[0069] The job information output unit 34 outputs job information regarding the job vacancies determined by the job vacancy determination unit 33 to the terminal device 10 of the worker 2. The worker 2 may operate the terminal device 10 to select a desired job vacancy from the determined job vacancies and apply for it.

[0070] The second determination unit 40 includes a work information acquisition unit 21, a repayment information acquisition unit 22, a credit determination unit 231, an application acceptance unit 41, a payment unit 42, and a payment result output unit 43. After applying for a job determined by the first determination unit 30, the second determination unit 40 performs provisional purchases of products and payments. In other words, when applying for a job, the worker 2 decides how to use the salary generated from their work.

[0071] The application acceptance unit 41 accepts an application from a worker 2 for a job vacancy by obtaining job information for any of the job vacancies determined by the job vacancy determination unit 33 from the terminal device 10 operated by the worker 2.

[0072] The settlement unit 42 acquires from the application acceptance unit 41 job information for the job applied for by the worker 2, including a job number identifying the job. The settlement unit 42 also acquires labor information from the labor information acquisition unit 21. When the settlement unit 42 acquires information regarding the worker 2's work performance for the job application accepted by the application acceptance unit 41, the settlement unit 42 pays the price of the product, etc. selected by the worker 2. In other words, the determination device 20A places the product, etc. in a provisional purchase state from the time the worker 2 decides to purchase the product, etc. until the application is completed. This allows the worker 2 to decide how to spend his salary within a reasonable range. Furthermore, by placing the product, etc. in a provisional purchase state, the worker 2 can prevent the product, etc. from being purchased by someone else if he or she does not have the money on hand to purchase it immediately.

[0073] The settlement unit 42 also obtains the worker 2's credit rating from the credit judgment unit 231. The settlement unit 42 may determine whether to pay for the product, etc. (hereinafter, sometimes referred to as immediate purchase) when the application acceptance unit 41 accepts the application, based on the worker 2's credit rating and a threshold value set by the service provider 4. Specifically, the settlement unit 42 may immediately purchase the product, etc. if the worker 2's credit rating is higher than the threshold value. The settlement unit 42 may also provisionally purchase the product, etc. if the worker 2's credit rating is lower than the threshold value. Note that a worker 2 with a high credit rating may set whether to make an immediate purchase or a provisional purchase based on an operation of the terminal device 10.

[0074] The payment result output unit 43 outputs information indicating that the payment unit 42 has paid for the products, etc. selected by the worker 2 to the terminal device 10 owned by the worker 2. The payment result output unit 43 may also output information indicating the payment amount for the products, etc. from the salary that the worker 2 receives to the terminal device 10. This allows the worker 2 to easily understand the amount of money remaining after purchasing the products, etc.

[0075] 9 is a diagram showing an example of a display screen IM that displays options for a worker 2 to apply for a job offer and pay when purchasing a product. The screen configuration of FIG. 9 includes a product to be purchased display section 3100, a credit card payment selection section 3200, and a part-time job payment selection section 3300.

[0076] The planned purchase product display section 3100 displays a simple explanation of the product or the like selected by the worker 2. The planned purchase product display section 3100 has a required amount display section 3110. The required amount display section 3110 displays the price of the product or the like. In addition, the planned purchase product display section 3100 may display, for example, a photo or illustration showing the product or the like, the name or catch phrase of the product or the like, the quantity or number of slots of the product or the like.

[0077] When operated by worker 2, the credit payment selection section 3200 selects a payment method for paying for goods and the like with a credit card registered by worker 2. The credit payment selection section 3200 may display the details of the registered credit card, or may display a button to change the registered credit card.

[0078] When operated by worker 2, the part-time job payment selection section 3300 selects a payment method in which the cost of the goods, etc. will be paid with the salary that worker 2 will receive by applying for and working at a job. The part-time job payment selection section 3300 has a temporary purchase selection section 3311, an immediate purchase selection section 3312, and a job selection screen transition button 3320. When operated, the temporary purchase selection section 3311 selects "temporary purchase," in which the cost of the goods, etc. will be paid after the work is completed. When operated, the immediate purchase selection section 3312 selects "immediate purchase," in which the cost of the goods, etc. will be paid after the application is completed. When operated, the job selection screen transition button 3320 is a button that displays job offers corresponding to the cost of the goods, etc. Note that the selection of "immediate purchase" or "temporary purchase" may be made after operating the job selection screen transition button 3320.

[0079] Fig. 10 is a diagram showing an example of a display screen IM that is displayed after operating the job selection screen transition button 3320. Fig. 10 has a purchase candidate product display section 3100, a job listing display section 4100, and a toolbar 1300 as a screen configuration.

[0080] The job listing display section 4100 displays a plurality of job offers determined by the job offer determination section 33. Information about each job offer is displayed in the job offer content display section 4110. The job offer content display section 4110 has a salary display section 4111. The salary display section 4111 displays the expected salary that can be obtained through the job offer. In addition to the salary display section 4111, the job offer content display section 4110 may also display the name and catch phrase of the job offer, working hours, address, job type, etc.

[0081] FIG. 11 is a flowchart showing an example of the processing flow of the determination device 20A and the terminal device 10 according to the second embodiment. The determination device 20A acquires use information including the price of the product or the like selected based on the operation of the worker 2 (step S301). The determination device 20A determines job offers that offer a salary corresponding to the price of the product or the like (step S302). A list of job offers determined by the determination device 20A is displayed on the terminal device 10 (step S303). Based on the operation of the worker 2, the terminal device 10 selects a job offer desired by the worker 2 from the determined job offers and submits an application (step S304). Furthermore, based on the operation of the worker 2, the terminal device 10 selects whether to make an immediate purchase or a provisional purchase (step S305). If provisional purchase is selected (step S305; provisional purchase), the determination device 20A does not make payment for the product or the like, thereby preventing the product or the like from being purchased by another person. When the determination device 20A acquires the work record for the job offer applied for by the worker 2 (step S306), the determination device 20A makes payment for the product, etc. (step S307). On the other hand, when immediate purchase is selected (step S305; immediate purchase), the determination device 20A immediately makes payment for the product, etc. (step S307).

[0082] In the above-described second embodiment, an example is shown in which the price of the goods, etc. is smaller than the expected salary amount obtained by applying for and working at one job. However, this embodiment is not limited to this example, and the price of the goods, etc. may be greater than the expected salary amount of one job offer. In other words, the price of the goods, etc. may be paid in installments. When the price of the goods, etc. is greater than the expected salary amount of one job offer, the job offer determination unit 33 may determine a combination of job offers in which the price of the goods, etc. is less than a predetermined percentage of the total expected salary amount of multiple job offers. Furthermore, when the price of the goods, etc. is greater than the expected salary amount of one job offer, the settlement unit 42 may settle the price of the goods, etc. in installments. Specifically, the settlement unit 42 may allocate a predetermined percentage (e.g., 70%) determined by the worker 2 or the service provider 4 of the salary obtained by applying for and working at a job offer to the payment. Alternatively, a predetermined amount (e.g., 2,000 yen) determined by the worker 2 or the service provider 4 may be allocated to the payment.

[0083] [Summary of Embodiment 2] According to the above-described embodiment, the determination device 20A includes a job offer receiving unit 31 that receives job offers posted by multiple employers 3 employing workers 2; a usage acquisition unit 32 that acquires usage information related to a product or service selected based on the worker's operation; a job offer determination unit 33 that determines, from the multiple accepted job offers, a job offer that is expected to pay a salary corresponding to the price of the product or service included in the usage information; and a job offer information output unit 34 that outputs job offer information related to the determined job offer. According to this embodiment, workers 2 can purchase products or services by applying for a job offer corresponding to the price of the product or service and working there. This can encourage workers 2 who have not previously used service 1 to use service 1. Furthermore, by deciding in advance to use their salary to pay for products or services or to send digital money, workers 2 can prevent forgetting to purchase or send items.

[0084] Furthermore, according to the above-described embodiment, the determination device 20A further includes an application acceptance unit 41 that accepts an application for the job indicated by the output job information based on the operation of the worker 2; a work information acquisition unit 21 that acquires work information related to the work performance of the worker 2 regarding work performed by the worker 2; and a settlement unit 42 that pays an amount corresponding to the salary of the job offer, out of the price of the product or service indicated by the use information, when the work information acquisition unit 21 acquires work information for the job offer for which the application acceptance unit 41 has accepted the application. This allows the worker 2 to pay for the product or service indicated by the use information without worrying about payment dates, etc., by performing work using the service 1. Furthermore, the worker 2 can use a portion of the salary he or she expects to receive from work for the payment, allowing him or her to keep a certain amount of money on hand. Therefore, the determination device 20A according to this embodiment allows the worker 2 to pay for the product or service without difficulty.

[0085] Furthermore, according to the above-described embodiment, the price of the product or service indicated by the use information is lower than the expected salary amount for the job indicated by the job information. As a result, even if the worker 2 applies for the job and receives a lower salary than expected, the price can be paid in one labor. Therefore, according to the determination device 20A of embodiment 2, the worker 2 can comfortably pay the price. Furthermore, since the worker 2 can comfortably pay the price, the service provider 4 can reduce the risk of not receiving the amount corresponding to the price from the worker 2.

[0086] Furthermore, according to the above-described embodiment, the determination device 20A further includes a credit determination unit 231 that determines, based on labor information, the worker's creditworthiness, which indicates the likelihood that the worker 2 will repay the amount corresponding to the benefit received from the service provider 4 if the worker 2 applies for a service in which the worker 2 receives a benefit from the service provider 4 and then repays the amount corresponding to the benefit. The settlement unit 42 determines, based on the worker's creditworthiness, whether to pay for the product or service when the labor information is acquired or before the labor information is acquired. According to the determination device 20A according to the embodiment, a worker 2 with a high creditworthiness, i.e., a worker 2 who is likely to pay the full price through work using the service 1, can immediately purchase the product or service at the time of application. Therefore, in order to increase their creditworthiness, the worker 2 is expected to apply for more jobs and maintain a good work attitude. On the other hand, for a worker 2 with a low creditworthiness, i.e., a worker 2 whose full payment is uncertain, the service provider 4 can prevent the worker 2 from defaulting on payment and incurring losses by purchasing the product or service after earning the full price of the product or service.

[0087] [Embodiment 3] The determination device 20B according to the third embodiment is similar to the determination device 20A according to the second embodiment in that the payment for the goods and the like is paid from a portion of the salary obtained through the job offer. The determination device 20B according to the third embodiment differs from the determination device 20A according to the second embodiment in that the determination device 20B determines goods or services corresponding to the salary obtained through the job offer selected by the worker 2. In other words, while the determination device 20A determines the job offer corresponding to the goods, the determination device 20B determines the goods corresponding to the job offer. In the following explanation, matters explained in the first and second embodiments may be omitted.

[0088] 12 is a block diagram illustrating an example of the functional configuration of a determination device 20B according to embodiment 3. The determination device 20B mainly includes a third determination unit 50, a second determination unit 40, and a storage unit 24. That is, the determination device 20B includes the third determination unit 50 instead of the first determination unit 30 included in the determination device 20A.

[0089] The third determination unit 50 includes a job offer receiving unit 31, a candidate information acquisition unit 51, a selected job offer acquisition unit 52, an application determination unit 53, and an application output unit 54. The third determination unit 50 presents to the worker 2 a product or service corresponding to the job offer selected by the worker 2.

[0090] The candidate information acquisition unit 51 acquires candidate information about products, etc. in which the worker 2 is interested from the terminal device 10 owned by the worker 2 or a server device (not shown). The candidate information acquisition unit 51 may acquire information about products, etc. that the worker 2 may be considering purchasing or receiving later, such as products on a wish list of an online shopping site used by the worker 2, products that the worker 2 has purchased multiple times, or products that the worker 2 has searched for multiple times.

[0091] The selected job offer acquisition unit 52 acquires job offer information related to a job offer selected by the worker 2 by operating the terminal device 10. Here, selecting a job offer means selecting one of multiple job offers, and may include, for example, opening the details of a job offer that interests the worker 2, opening an application screen for the job offer, applying for the job offer, etc.

[0092] The use determination unit 53 acquires candidate information from the candidate information acquisition unit 51. The use determination unit 53 also acquires job information for the job selected by the worker 2 from the selected job offer acquisition unit 52. The use determination unit 53 determines, from among the products, etc. included in the candidate information, products, etc. whose price corresponds to the amount of salary that the worker 2 is expected to receive from the job offer selected by the worker 2. Similar to the job offer determination unit 33, the use determination unit 53 may determine the products, etc. so that the price of the products, etc. is equal to or less than a predetermined percentage of the expected salary that the worker will receive by applying for the job offer and working.

[0093] The purpose output unit 54 outputs the purpose information regarding the product or service determined by the purpose determination unit 53 to the terminal device 10 operated by the worker 2.

[0094] Fig. 13 is a diagram showing an example of a display screen IM that displays a list of job vacancies. Fig. 13 has a screen configuration including a job vacancy list display section 4100 and a toolbar 1300. Unlike Fig. 10, Fig. 13 does not have a purchase candidate product display section 3100 as part of the screen configuration. Worker 2 searches for and applies for a job vacancy of their choice by operating the screen shown in Fig. 13.

[0095] Fig. 14 is a display screen IM that displays details of a selected job when a job is selected from the job list display section 4100. Fig. 14 has a job details display section 5100, a recommended product display section 5200, and an apply button 5300 as a screen configuration.

[0096] The job details display section 5100 displays detailed content of the job selected based on the operation of the worker 2. Specifically, the job details display section 5100 may display information that the worker 2 uses to judge the quality of the job, such as work date and time, work location, access information to the work location, hourly wage, total salary, and job content.

[0097] The recommended product display section 5200 displays information about the product, etc. determined by the use determination section 53. Specifically, the recommended product display section 5200 may display the price of the product, etc., a photo or illustration of the product, etc., the name or catchphrase of the product, etc., the quantity or number of slots of the product, etc., and the reason why the product, etc. is determined to be of interest to the worker 2, such as "It's on your wish list." The recommended product display section 5200 may also display a change button (not shown) that changes the displayed product, etc. to another product, etc. The recommended product display section 5200 further includes a temporary purchase selection section 5221 and an immediate purchase selection section 5222. When operated, the temporary purchase selection section 5221 selects "temporary purchase," in which the price of the product, etc. is paid after the work is completed. When operated, the immediate purchase selection section 5222 selects "immediate purchase," in which the price of the product, etc. is paid after the application is completed.

[0098] The apply button 5300, when operated, is a button that applies for a job offer selected based on the operation of worker 2. When the temporary purchase selection section 5221 or the immediate purchase selection section 5222 is selected, the apply button 5300 temporarily purchases or immediately purchases the product or the like displayed in the recommended product display section 5200. This allows worker 2 to purchase the product that he or she has shown interest in along with applying for a job offer.

[0099] FIG. 15 is a flowchart showing an example of the processing flow of the determination device 20B and the terminal device 10 according to the third embodiment. The determination device 20B acquires candidate information related to products, etc. in which the worker 2 is interested (step S401). The terminal device 10 selects one of the job offers based on the operation of the worker 2 (step S402). The determination device 20B determines, from the products, etc. in which the worker 2 is interested, products, etc. with a price corresponding to the expected salary to be obtained from the selected job offer (step S403). The terminal device 10 displays details of the selected job offer and the products, etc. determined by the determination device 20B. Based on the operation of the worker 2, the terminal device 10 selects whether to immediately purchase the product, etc. or provisionally purchase the product, etc. (step S404). If provisional purchase is selected (step S404; provisional purchase), the determination device 20B does not make payment for the product, etc., thereby preventing the product, etc. from being purchased by another person. When the determination device 20B acquires the work record for the job offer applied for by the worker 2 (step S405), the determination device 20B makes payment for the product, etc. (step S406). On the other hand, when immediate purchase is selected (step S404; immediate purchase), the determination device 20B immediately makes payment for the product, etc. (step S406).

[0100] [Summary of Embodiment 3] Furthermore, according to the above-described embodiment, the determination device 20B includes a candidate information acquisition unit 51 that acquires candidate information regarding products or services in which the worker 2 is interested; a selected job acquisition unit 52 that acquires job information regarding a job selected based on the worker 2's operation from among multiple job offers posted by multiple employers 3 who use the worker 2; a usage determination unit 53 that determines, from among the products or services included in the candidate information, a product or service priced according to the amount of salary expected to be obtained through the job offer indicated by the selected job offer acquisition unit 52; and a usage output unit 54 that outputs usage information regarding the determined product or service. According to this embodiment, the worker 2 can purchase the product or service determined by the usage output unit 54 by applying for and working for the job offer. Furthermore, by deciding in advance to use their salary to pay for the product or service or to send digital money, the worker 2 can prevent forgetting to purchase or send the product or service.

[0101] FIG. 16 is a block diagram showing an example of the internal configuration of the determination device of this embodiment. At least some of the functions of the determination device can be implemented using a computer. As shown in the figure, the computer includes a central processing unit 901, a RAM 902, an input / output port 903, input / output devices 904 and 905, and a bus 906. The computer itself can be implemented using existing technology. The central processing unit 901 executes instructions contained in a program read from the RAM 902 or the like. In accordance with each instruction, the central processing unit 901 writes data to the RAM 902, reads data from the RAM 902, and performs arithmetic and logical operations. The RAM 902 stores data and programs. Each element included in the RAM 902 has an address and can be accessed using the address. RAM is an abbreviation for "random access memory." The input / output port 903 is a port through which the central processing unit 901 exchanges data with external input / output devices. The input / output devices 904 and 905 are input / output devices. Input / output devices 904 and 905 exchange data with the central processing unit 901 via an input / output port 903. A bus 906 is a common communication path used within the computer. For example, the central processing unit 901 reads and writes data from and to RAM 902 via the bus 906. Also, for example, the central processing unit 901 accesses the input / output port via the bus 906. All or part of the functional units provided in the determination device may be realized using hardware such as an ASIC, a PLD, or an FPGA. All or part of the functional units may be realized by a combination of software and hardware.

[0102] In addition, all or part of the functions of each unit of the determination device 20, the determination device 20A, and the determination device 20B in the above-mentioned embodiments may be realized by recording a program for realizing these functions on a computer-readable recording medium, and reading and executing the program recorded on the recording medium into a computer system. Note that the "computer system" here includes hardware such as an OS and peripheral devices.

[0103] In addition, all or part of the functions of each unit of the determination device 20, the determination device 20A, and the determination device 20B in the above-mentioned embodiments may be realized by recording a program for realizing these functions on a computer-readable recording medium, and reading and executing the program recorded on the recording medium into a computer system. Note that the "computer system" here includes hardware such as an OS and peripheral devices.

[0104] Furthermore, "computer-readable recording media" refers to portable media such as flexible disks, optical magnetic disks, ROMs, and CD-ROMs, as well as storage units such as hard disks built into computer systems. Furthermore, "computer-readable recording media" may also include devices that dynamically store programs for a short period of time, such as communication lines used when transmitting programs over networks like the Internet or communication lines like telephone lines, or devices that store programs for a fixed period of time, such as volatile memory within a computer system that serves as a server or client in such cases. Furthermore, the program may be one that realizes part of the aforementioned functions, or may be one that can realize the aforementioned functions in combination with a program already stored in the computer system.

[0105] Although one embodiment of the present invention has been described in detail above with reference to the drawings, the specific configuration is not limited to the above, and various design modifications can be made without departing from the spirit of the present invention. Furthermore, the configurations described in the above-described embodiments and examples can be combined. [Explanation of symbols]

[0106] 1...service, 2...worker, 3...employer, 4...service provider, 5...system, 10...terminal device, 20...determination device, 21...labor information acquisition unit, 22...repayment information acquisition unit, 23...control unit, 231...credit determination unit, 24...memory unit, 25...application necessity output unit, 30...first determination unit, 31...job offer reception unit, 32...purpose acquisition unit, 33...job offer determination unit, 34...job information output unit, 40...second determination unit, 41...application reception unit, 42...settlement unit, 43...settlement result output unit, 50...third determination unit, 51...candidate information acquisition unit, 52...selected job offer acquisition unit, 53...purpose determination unit, 54...purpose output unit

Claims

1. a labor information acquisition unit that acquires labor information regarding the work performed by the worker, including the worker's working hours and the worker's work attitude; a credit determination unit that determines, based on the labor information, a credit rating that indicates the degree of likelihood that the worker will repay an amount corresponding to the profit if the worker applies for a service in which the worker receives a profit from a service provider and then repays an amount corresponding to the profit; an application necessity output unit that outputs information indicating whether or not the service can be applied for, according to the credit score and a threshold value; A determination device comprising:

2. The application necessity output unit further outputs an upper limit of the amount of profit determined according to the credit rating. The determination device according to claim 1 .

3. The system further includes a repayment information acquisition unit that acquires repayment information regarding the repayment history of the worker who repaid the amount corresponding to the benefit received by applying for the service, The credit determination unit determines the creditworthiness based on the work information and the repayment information. The determination device according to claim 1 .

4. The repayment method of repaying the amount according to the profits received from the service includes a repayment method in which a predetermined percentage of the salary earned by the worker through work performed after applying for the service is used for repayment before the salary is paid to the worker. The determination device according to any one of claims 1 to 3.

5. The service provides multiple repayment methods for repaying amounts according to the benefits received, The threshold is set for each of the plurality of repayment methods. The determination device according to any one of claims 1 to 3.

6. A labor information acquisition process for acquiring labor information regarding the labor performance of a worker, including the worker's working hours and the worker's work attitude, regarding the labor performed by the worker; a credit assessment process for assessing, based on the labor information, a credit rating indicating the likelihood that the worker will repay an amount corresponding to the profit if the worker applies for a service in which the worker receives a profit from a service provider and then repays an amount corresponding to the profit; an application necessity output step of outputting information indicating whether or not the service can be applied for according to the credit score and a threshold value; A determination method having the following.

Images