Salary advance service device

Abstract

We provide a payroll advance service device that allows employees to use the payroll advance service fairly. [Solution] A salary advance service device 10 that enables advance payments of wages that are regularly paid to employees from the employer's account, comprising: a communication unit 13 that communicates with an employer terminal 20 and an employee terminal 30; a storage unit 12 that stores employee information, contract information and user information; a payable balance which is the total amount of advance payments calculated from labor wages based on the employee's attendance information; a notification of the payable balance to the accessing employee terminal; a transfer of the amount of advance payment specified by the employee terminal, a fee in the contract information and an amount set based on the person who bears the fee, from the employer's account to the employee's account to update the payable balance; and if the balance in the employer's account is less than the account balance warning amount included in the contract information, a notification of insufficient account balance to the employer terminal.

Claims

1. A salary advance service device comprising a computer system managed by a financial institution installed on a communication network, which enables the payment of a portion of the employee's regularly paid salary as an advance payment before the payday, from the employee's account opened with the said financial institution, It comprises a control unit, a communication unit, and a storage unit. The aforementioned communication unit communicates with the employer terminal and the employee terminal. In the aforementioned storage unit, Employee information, including employer identification information, employee identification information, employee personal information, and employee account information, Contract information including the aforementioned employer identification information, employer account information, the maximum amount of the aforementioned advance payment that can be received per employee at one time, the payroll closing date, fees, the party responsible for the fees, and the account balance warning amount which specifies the minimum balance in the employer's account opened at the aforementioned financial institution, With respect to the employee who becomes a user of the aforementioned salary advance service, user information including the employer identification information, the employee identification information, the personal information, and account information, Remember this, The control unit, Based on the employee attendance information uploaded from the employer terminal between the start date and the closing date of the payroll calculation, the employee's wages up to the present time are calculated. Based on the calculated wages, the available balance is set to represent the total amount of advance payments that the employee can receive in the future over a specified period. The account information received from the employee terminal that accessed the system is cross-referenced with the employee information to identify the employee, and the available balance for that employee is notified to the employee terminal. When the employee terminal specifies an amount of the advance payment that is less than or equal to the maximum payable amount, the amount of the advance payment, the fee, and the amount set based on the payer are transferred from the employer's account to the employee's account, and the available balance is updated. The system monitors the balance of the employer's account, and if the balance falls below the account balance warning amount, it notifies the employer's terminal of the insufficient account balance. A device for providing advance payment of wages.

2. If the employee's account is opened at the same financial institution as the employer's account, The transaction history of the employee's account during a specified period in the past is obtained, and the expected account balance of the employee after a specified period from the present time is calculated. The employee terminal that accessed the system will display the minimum expected account balance at the time of access, after a predetermined period has elapsed. The payroll advance service device according to claim 1.

3. The salary advance service device according to claim 2, which estimates the future transaction amounts and transaction dates in the employee's account from the present time until the end of the predetermined period, for each relevant item, based on the transaction status of the employee's account acquired over a predetermined period in the past, and transmits transaction schedule information, including transaction details from the time of access until the end of the predetermined period, to the employee's terminal that accessed the device.

4. The salary advance service device according to claim 3, which, upon receiving a modification instruction for some or all of the transaction details included in the transaction schedule information, or an instruction to add new transaction details, from the employee terminal that transmitted the transaction schedule information, modifies the transaction schedule information based on the instruction and transmits the modified transaction schedule information to the employee terminal.

5. A payroll advance service device according to any one of claims 1 to 4, wherein the contract information includes information that can be specified by the employer terminal, which defines the ratio of the available balance to the labor wage, and the amount obtained by multiplying the labor wage by the ratio is set as the available balance.

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