Payroll advance system

Abstract

To provide a salary advance payment system which does not apply an excessive load on a service providing business operator and with which salary management for each worker is not troublesome.SOLUTION: In a salary advance payment system in which a service providing business operator executes salary advance payment to a worker in place of at least one employer, a business operator server includes: a request processing unit 123 which acquires salary advance payment request information containing a salary advance payment request amount from a worker; a salary advance payment transfer data creation unit 128 which creates salary advance payment transfer data for paying the salary advance payment amount calculated on the basis of attendance data, a salary advance payment request amount, and a salary advance payment available amount for each worker to the worker; a salary advance payment transfer instruction unit 129 which orders transfer of the salary advance payment amount to an account of the worker in place of the employer on the basis of the salary advance payment transfer data; and a salary advance payment data transmission unit 130 which transmits, to the employer, the salary advance payment data containing a salary advance payment amount paid to the worker.SELECTED DRAWING: Figure 4A

Description

[Technical Field]

[0001] The present invention relates to a salary advance payment system, a program related to the salary advance payment system, a salary advance payment method, etc. [Background technology]

[0002] There are known payroll advance systems (such as the "Advance Pay" system offered by the former Tokyo Tomin Bank, Ltd.) that allow employees of a company to withdraw a portion of their compensation before the pay date. By using a payroll advance system, employees have the advantage of being able to use the compensation they receive before payday to cover unexpected expenses, and employers have the advantage of being able to increase loyalty to the company and prevent employees from leaving.

[0003] Initially, payroll advance systems were implemented using bank computers managed by banks, but advances in communication technology and amendments to the Regulatory Business Act have led to the proposal of systems implemented by businesses other than banks (Patent Documents 1 and 2). In these systems, in order to avoid the burden of installing a system on banks and the employers who use the system having to deposit the amount of payroll to be advanced in a bank, the systems describe that businesses other than banks calculate the amount to be paid to employees who use the advance payment system, as well as the amount of salary deductions, and then pay the amount used to employees by transferring the amount to their accounts or charging electronic money. [Prior art documents] [Patent documents]

[0004] [Patent Document 1] Patent No. 6249506 [Patent Document 2] Patent No. 6349450 Summary of the Invention [Problem to be solved by the invention]

[0005] However, the systems described in Patent Documents 1 and 2 aim to reduce the burden on both banks and companies by setting a usage limit for each company and using an intermediary service provider that can perform some of the functions previously performed by companies and banks in traditional advance payment systems. In these patent documents, by setting a usage limit for each company, employees can use the system within this limit, but of course, they cannot use it beyond the limit. Therefore, if a large number of system users flood the system during a certain period, such as the end of the month, excessive load is placed on the system, and exceeding the usage limit causes inconvenience to users. Furthermore, the inventors have discovered a new issue for employers: if many employees can freely use the system within the usage limit, it becomes more difficult to allocate funds within the limit. Furthermore, setting a usage limit for each user can lead to use by a select group of highly paid employees, which can undermine the original purpose of the advance payment system, which is to receive compensation for work flexibly as needed, which is problematic.

[0006] Therefore, an object of the present invention is to provide a salary advance system that does not place an excessive burden on service providers and does not make salary management for each worker complicated. [Means for solving the problem]

[0007] In light of the above problems, and after extensive research, the inventor discovered that in a salary advance system, the above problems can be avoided by allowing the service provider to set an upper limit on the number of workers who can receive salary advances for each employer, and thus completed the present invention.

[0008] Therefore, the present invention provides the following in summary. [1] A payroll advance system in which a service provider advances payroll to workers on behalf of at least one employer, a request processing unit that receives salary advance request information from the worker, the salary advance request information including a salary advance request amount; a salary advance transfer data creation unit that creates salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker to the worker; A salary advance payment transfer instruction unit that instructs the employer to transfer the salary advance payment amount to the employee's account based on the salary advance payment transfer data; a salary advance payment data sending unit that sends salary advance payment data including the salary advance payment amount paid to the worker to the employer; and a service provider sets an upper limit on the number of workers who can receive advance salary payments for each employer. [2] The salary advance system described in [1], in which the amount available for salary advance payment is the amount obtained by multiplying the labor compensation amount calculated from attendance data for the period from a specified date to the date the salary advance request information was obtained by a specified coefficient, minus the salary advance payment amount already paid to the worker, and the amount available for salary advance payment is compared with the requested salary advance payment amount, and if the requested salary advance payment amount is smaller, the requested salary advance payment amount is calculated as the salary advance payment amount. [3] A salary advance system according to [1] or [2], in which the request processing unit, salary advance transfer data creation unit, salary advance transfer instruction unit, and salary advance payment data transmission unit are provided on the business server. [4] A salary advance payment system according to [3], in which attendance data is managed by an attendance information management server. [5] A salary advance payment system as described in [4], in which salary advance payment request information is sent from a worker terminal, and the worker terminal, business server, and attendance information management server are connected to each other so that they can communicate with each other via a network. [6] A payroll advance system program that allows a service provider to make payroll advances to workers on behalf of at least one employer, obtaining payroll advance request information from the worker, the payroll advance request information including a payroll advance request amount; A step of creating salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker to the worker; A step of instructing the employee to transfer the advance salary amount to the employee's account on behalf of the employer based on the advance salary transfer data; sending salary advance payment data to the employer, the salary advance payment data including the amount of the salary advance payment paid to the worker; and the program is characterized by not exceeding the upper limit set by the service provider on the number of workers who can receive advances of wages for each employer. [Effects of the Invention]

[0009] The present invention makes it possible to provide a salary advance payment system that does not place an excessive burden on service providers and does not complicate salary management for each worker. Furthermore, the present invention allows user companies to determine whether or not to use the advance payment system based on the employment status of their employees. For example, the advance payment system may be available only to full-time employees, or only to part-time and casual employees. Alternatively, it may be available to a limited number of full-time employees or a subset of part-time and casual employees. Employees can also be allowed to use the system temporarily. This allows user companies to obtain data that objectively assesses the economic situation of their employees. Employees eligible for advance payment are guaranteed a certain amount of access, so they can avoid being denied access or having their access amount reduced when they try to use the advance payment system. Furthermore, by defining the number of users and their attributes, it is possible to avoid use by only high-paying users, thereby achieving appropriate distribution of labor value. [Brief explanation of the drawings]

[0010] [Figure 1] 1 shows a conceptual diagram of the payroll advance system described herein. [Figure 2A]FIG. 2 shows an example of a functional block diagram of a user server. [Figure 2B] FIG. 2 shows an example of a configuration diagram of a user server. [Figure 3A] FIG. 2 shows an example of a functional block diagram of an attendance information management server. [Figure 3B] FIG. 2 shows an example of a configuration diagram of an attendance information management server. [Figure 4A] FIG. 2 shows an example of a functional block diagram of a business server. [Figure 4B] 1 shows an example of a configuration diagram of a business operator server. [Figure 5A] 1 shows an example of a functional block diagram of a worker terminal. [Figure 5B] 1 shows an example of a configuration diagram of a worker terminal. [Figure 6A] 1 illustrates an example of the payroll advance system described herein. [Figure 6B] 1 illustrates an example of the payroll advance system described herein. [Figure 6C] 1 illustrates an example of the payroll advance system described herein. [Figure 7A] 10 shows an example of a processing flowchart of a user server, a time attendance information management server, and a business server. [Figure 7B] 10 shows an example of a processing flowchart of a user server, a time attendance information management server, and a business server. [Figure 8] 10 shows an example of a processing flow of a business server. [Figure 9] 1 shows an example of the process flow of a salary advance application. [Figure 10A] 10 shows an example of a login screen displayed on a worker terminal. [Figure 10B] 10 shows an example of a top screen displayed on a worker terminal. [Figure 10C] 10 shows an example of a salary advance request screen displayed on a worker terminal. DETAILED DESCRIPTION OF THE INVENTION

[0011] Configuration of the payroll advance system described herein

[0012] In one embodiment of the present invention, A payroll advance system in which a service provider advances payroll to workers on behalf of at least one employer, a request processing unit that receives salary advance request information from the worker, the salary advance request information including a salary advance request amount; a salary advance transfer data creation unit that creates salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker; a salary advance transfer instruction unit that instructs the transfer of the salary advance payment amount to the employee's account on behalf of the employer based on the salary advance transfer data; a salary advance payment data sending unit that sends salary advance payment data including the salary advance payment amount paid to the worker to the employer; and a salary advance system, characterized in that the service provider sets an upper limit on the number of workers who can receive salary advances for each employer. to provide.

[0013] The term "service provider" as used herein refers to a business that prepays wages to workers on behalf of employers. The type of business is not limited as long as it is capable of implementing the system of the present invention, and it may be a bank or a business other than a bank. In the present invention, the term "service provider" may be a business whose business is regulated by business laws such as the Money Lending Business Act, but also includes a business that implements the present invention under the capital control or chain of command of a business designated by business laws.

[0014] The term "employer" as used herein refers to a person who conducts business by receiving labor from a worker and who pays the worker in return for the labor. Examples of employers include, but are not limited to, legal entities such as corporations, organizations, unions, and other unincorporated organizations, as well as natural persons such as sole proprietors.

[0015] The term "worker" as used herein is not particularly limited, as long as the worker is someone who receives compensation for labor, and includes not only employed persons, but also those who are contracted to work, those who provide labor on a dispatched basis, those who provide labor on a part-time basis, those who provide labor as daily laborers, and those who provide labor as part-timers. Furthermore, the type of labor provided is not important. Examples of workers include, but are not limited to, corporate sales, personal sales, route sales / rounder, telephone appointment maker (tele-appointment maker), sales assistant, planner / advisor / consultant, dispatch coordinator, sales executive candidate, general office work, accounting work, sales office work, reception / secretary, slip organization / data entry, telephone response / call center, human resources / general affairs / legal affairs, planning / marketing / public relations, insurance / finance-related, apparel / shoe store clerk, convenience store clerk, supermarket / department store clerk, electronics retailer clerk, mobile phone shop / mobile phone sales clerk, interior / miscellaneous goods sales clerk, drugstore / cosmetics sales / registered salesperson, bookstore / rental / CD shop clerk, home improvement / car supply store clerk, accessory / jewelry clerk, flower shop clerk, pet shop clerk, store manager / manager (sales), store manager, family restaurant / restaurant clerk, fast food clerk, izakaya / dining bar clerk, cafe / coffee shop clerk staff, ramen, udon, soba restaurant staff, yakiniku restaurant, shabu-shabu restaurant staff, sushi, Japanese cuisine, set meal staff, food court staff, bakery, cake shop, sweets shop staff, delivery staff, bento, takeout food staff, cook, cooking assistant, hall staff, kitchen staff, dishwashing, tasting staff, store manager, food and beverage manager, showroom, real estate sales staff, gas station staff, dry cleaner staff, delivery staff, rental car, dealer, used car sales staff, travel agency, tour conductor, funeral, ceremony staff, wedding hall, bridal staff, newspaper store clerk, delivery staff, moving staff, car wash, pit service, tire change staff, security guard, surveillance staff, traffic control, cleaner, room make-up staff, building, house cleaning staff, janitors, meter readers, sampling distributors, front desk, reception (service), store manager, manager (service, security, cleaning), karaoke store clerk, pachinko staff,Movie theater, game center, bowling alley staff, hot spring, public bath, super public bath staff, golf course staff, reception, maintenance staff, gym, pool staff, hotel, inn, pension reception, bathroom management, cleaning staff, cram school instructor, private tutor, nursery school teacher, kindergarten teacher, instructor, coach, exam supervisor, barber, barber assistant, hair and makeup, makeup, kimono dressing, stylist, hair and makeup, makeup, kimono dressing, beauty salon, nail salon, esthetician, relaxation therapist, front desk, reception (barber, beauty salon) (services), store manager / manager (barber / beauty), assistant (barber / beauty), nurse, licensed practical nurse, midwife, public health nurse, medical office / receptionist, medical technician, care worker, care manager, care worker / helper, care office worker, dental hygienist / dental assistant, pharmacist, chiropractor / judo therapist, nutritionist / registered dietitian, facility cook / cooking assistant, occupational therapist, physiotherapist, child guidance worker / after-school child support worker, counselor, small / medium vehicle driver, large vehicle driver, taxi / hire / bus driver, motorcycle courier, driver's assistant, dispatcher / roll call officer, shuttle driver, Courier / delivery staff, newspaper / milk delivery, assembly / inspection / sorting / picking / packaging staff, food manufacturing / processing / inspection / packaging staff, machining / machine operators, forklift / rigging / crane operators, machine maintenance staff, quality control / production control / process management staff, equipment maintenance / equipment management / inspectors, home-based workers, line operators, CAD / CAM operators, welders, systems engineers (SE) / programmers, user support staff, web designers, designers / illustrators computer, DTP operator, designer / drafting staff, printer / bookbinder, proofreader / editor, writer / reporter / photographer, media personnel, cook, tax accountant / accountant, interpreter / translator, groomer, research and development staff, masseuse / acupuncturist / moxibustion practitioner, mechanic, police officer / self-defense force member, repair / maintenance staff, painter, welder / sheet metal worker, electrical / water / gas / air conditioning equipment contractor, landscaping staff, architect, heavy equipment operator, site supervisor, carpenter / scaffolder / craftsman, people involved in agriculture / forestry / fishing / livestock farming, decontamination workers, etc.

[0016] The term "salary advance" as used herein means paying a portion of the compensation for work performed over a specified period to a worker prior to the payday date specified in an employment contract, etc. The form of salary payment is not particularly limited, and may be transfer to a specified account, electronic money, virtual currency, or a combination of these.

[0017] As used herein, "payroll advance request amount" means the amount of payroll advance that a worker requests to be paid.

[0018] "Salary advance request information" as used herein refers to information that includes at least the requested salary advance amount. In addition to the requested salary advance amount, the "salary advance request information" may also include information such as worker identification information, desired salary advance date and time, and account information for receiving the salary advance. Furthermore, if part or all of the requested salary advance amount can be received in electronic money or virtual currency, the "salary advance request information" may also include information regarding the ratio of electronic money to virtual currency to be received.

[0019] The "worker identification information" described in this specification is not particularly limited as long as it is information that can identify a worker as an individual. "Worker identification information" may be, for example, My Number, employee number, email address, phone number of a worker's smartphone, or a combination of these. It may also be an identification ID arbitrarily set by the employer and / or service provider based on this information.

[0020] The "request processing unit" described in this specification receives the salary advance request information from the worker terminal, stores it in the server of the service provider, and then performs processing such as data conversion to perform other information processing on all or part of the salary advance request information as needed.

[0021] "Attendance data" as used herein refers to data including employer identification information, employee identification information, the number of working days of an employee, working hours, days of absence, etc. In the present invention, the "attendance data" is received and stored by the "attendance information management server" described below, converted to execute the present invention, and transmitted to another department as appropriate.

[0022] In one embodiment of the present specification, there is provided a salary advance system described herein, in which attendance data is managed by an attendance information management server described below.

[0023] The term "available salary advance amount" used herein refers to the amount available for salary advance payment, determined by either a service provider, an employer, or a worker, or by agreement among them. This amount is preferably set for each worker. In the salary advance system described herein, the service provider or employer may set the available salary advance amount for each worker, or the service provider or employer may set the available salary advance amount for each user. The available salary advance amount for each worker may be set by the employer or service provider, taking into consideration the employment status (full-time employee, part-time employee, etc.), attendance status, years of service, etc., of the worker requesting the salary advance. For example, a maximum usage rate (e.g., 50%) of the labor compensation may be set for each worker based on their employment status (full-time employee, part-time employee, etc.), and the available salary advance amount for each worker may be calculated by multiplying the labor compensation amount by the maximum rate. The available salary advance amount for each user may also be set taking into consideration the employer's capital, sales, balance sheet, profit and loss statement, profit margin, number of employees, etc.

[0024] The term "salary advance payment amount" used herein refers to the amount paid to a worker in response to a salary advance request from the worker. The "salary advance payment amount" may be calculated based on attendance data, the salary advance request amount, and the available salary advance amount for each worker. The salary advance payment amount may be calculated, for example, by a salary advance payment amount calculation unit described below.

[0025] The "salary advance payment calculation unit" described in this specification has a function of calculating the salary advance payment amount.

[0026] The "salary advance transfer data creation unit" described in this specification has a function of creating salary advance transfer data for transferring the salary advance payment amount to a worker.

[0027] The "salary advance payment transfer instruction unit" described in this specification instructs the transfer of the salary advance payment amount to the worker's account based on the salary advance payment transfer data.

[0028] The "salary advance payment data transmission unit" described in this specification transmits salary advance payment data including the amount of salary advance payment paid to the worker to the employer.

[0029] The term "business server" used in this specification refers to a server managed by a service provider, and may be one or more servers, or in the case of multiple servers, they may be connected to each other so that they can communicate with each other via a network. The business server may include a user data input unit, a user table storage unit, a payroll calculation unit, a request processing unit, a request table storage unit, a unit for determining the maximum number of users, a payroll advance amount comparison unit, an approval unit, a payroll advance transfer data creation unit, a payroll advance transfer instruction unit, a payroll advance payment data transmission unit, a user information storage unit, etc.

[0030] The term "employer server" used in this specification refers to a server managed by the employer, and may be one or more servers. In the case of multiple servers, they may be connected to each other via a network for communication. The employer server may include an attendance data input / output unit and an attendance data storage unit. The employer server may also include a payroll calculation unit, an hourly wage unit table input / output unit, an hourly wage unit table storage unit, etc., as necessary.

[0031] The term "attendance information management server" used in this specification refers to a server that manages employee attendance data, and may be one or more servers. In the case of multiple servers, they may be connected to each other so that they can communicate with each other via a network. The attendance information management server may or may not be system-linked with the employer server and / or business server via a network. The attendance information management server may include an attendance data input / output unit and an attendance data storage unit. The attendance information management server may also include a payroll calculation unit, an hourly wage unit table input / output unit, an hourly wage unit table storage unit, etc., as necessary.

[0032] The "approval unit" described herein approves a salary advance request from a worker terminal. For example, the amount of labor compensation or accumulated salary balance (or the amount multiplied by a predetermined coefficient) at the time of the request is used as the available salary advance amount, and the available salary advance amount is compared with the requested amount. If the requested amount is within the available salary advance amount, the request is approved. Although not particularly important to the present invention, a portion of the requested amount may be approved. On the other hand, if the requested amount exceeds the available salary advance amount, the request is rejected. If the approval unit rejects a request, the request processing unit may send a notification to the worker terminal. When approving a request, the approval unit may refer to the accumulated salary balance managed in a request table to determine whether to approve or reject the request. In the system of the present invention, the approval unit's approval history can be managed on the business or user's server. Such history information can be stored as data and used to credit those who use the advance payment system of the present invention.

[0033] In one embodiment of the present invention, the available salary advance amount is calculated by multiplying the labor compensation amount calculated from attendance data for the period from a predetermined date to the date the salary advance request information was received by a predetermined coefficient, and then subtracting the salary advance amount already paid to the worker, if any. If the subtraction result is not negative, the request is approved in whole or in part. In other words, the available salary advance amount is compared with the requested salary advance amount, and if the requested salary advance amount is smaller, the requested salary advance amount is calculated as the salary advance payment amount.

[0034] "User data" as used herein refers to data including attendance data, hourly wage unit price tables, etc. Therefore, user data may include various information for identifying a worker (e.g., the worker's name, address, age, bank name, branch name, account number, etc.), attendance data such as working days and working hours for each worker, as well as the hourly wage, labor compensation, and advance payable amount for each worker.

[0035] The "user data input unit" described in this specification inputs user data received from an employer server, attendance information management server, etc., as a user table. Therefore, the user table may include various information for identifying the worker (e.g., the worker's name, address, age, bank name, branch name, account number, etc.), attendance data such as each worker's workdays and work hours, as well as each worker's hourly wage, labor compensation amount, and advance payable amount. The hourly wage for each worker may be managed and stored in an hourly wage table storage unit along with various information for identifying the worker.

[0036] The "user table storage unit" described in this specification stores a user table.

[0037] The "request table storage unit" described in this specification stores a request table related to advance salary request information sent from the worker terminal. The request table may include information identifying the worker who made the request, the request date, an identifier (ID) identifying the request, the requested amount, etc. These data may be recorded and managed when approved by the approval unit.

[0038] The "user information storage unit" described in this specification stores information about users. In the present invention, the user is often a company. When the user is a company, information about the user includes capital, number of employees, asset information, and financial information. Preferably, the information stored in the user information storage unit includes an upper limit on the number of users for each user set by the service provider.

[0039] The "payroll calculation unit" described in this specification calculates the daily wage for each worker and the cumulative salary from the specified start date using the hourly wage for each worker managed in the hourly wage unit table and the working days and working hours for each worker managed in the user table. The daily wage and cumulative salary for each worker calculated by the payroll calculation unit may be recorded and managed in the user table. The payroll calculation unit may calculate the cumulative salary balance by deducting the amount already paid in advance from the cumulative salary by referring to the user table and the request table, and record the result in this request table.

[0040] The "hourly wage unit price table" described in this specification may also include various information for identifying the worker, such as the worker's name, address, age, name of the bank, branch name, account number, etc.

[0041] The "hourly wage unit price table input / output unit" described in this specification inputs and / or outputs the hourly wage unit price table.

[0042] The "hourly wage unit price table storage unit" described in this specification stores an hourly wage unit price table for each worker.

[0043] The "attendance data input / output unit" described in this specification inputs employee attendance data, i.e., employee basic information and working status. The attendance data input / output unit may also output the attendance data to the attendance information management server and / or the business operator's server at a predetermined timing.

[0044] The "work attendance data storage unit" described in this specification stores the input work attendance data.

[0045] The "user limit determination unit" described in this specification determines whether the number of users of the salary advance payment system within a specified period is within the user limit set for each user. If the user limit determination unit determines that the number of users is within the user limit, it may send the determination result to the salary advance payment amount comparison unit. On the other hand, if the user limit determination unit determines that the number of users exceeds the user limit, it may send the determination result to the approval unit. The user limit may be set based on the total number of employees, such as full-time employees and part-time workers, at the employer. The user limit may also be set for each employment category (full-time employee, part-time worker, etc.) at the employer. Note that the user limit may be counted as "1 person" even if the same worker uses the system repeatedly, or "3 people" if the same worker uses the system three times (i.e., counted as the total number of users within the specified period). For example, if an employer has 1,000 full-time employees and 500 part-time employees (including day laborers, etc.) (when the total number of employees at the employer is 1,500), the service provider may set the maximum number of users for that employer at 300, based on the total number of employees. In this case, all employees at that employer, whether full-time or part-time, can use the salary advance payment system until the number of users reaches 300 within a specified period. Alternatively, if an employer has 1,000 full-time employees and 500 part-time employees (including day laborers, etc.) (when the total number of employees at the employer is 1,500), the service provider may set the maximum number of users for that employer by employment category, such as 200 for full-time employees and 100 for part-time employees, etc. This setting allows part-time employees, who often earn relatively low wages, to use the system with peace of mind. For example, for full-time employees, the upper limit on the number of users can be further subdivided and set at 120 for employees without a title, 40 for section chiefs, 30 for department managers, and 10 for department managers and above. By setting the limit in this way, it is possible to strike a balance between the number of users for full-time employees with titles (department managers, department managers, etc.), who often have a relatively comfortable living budget, and the number of users for employees without titles.

[0046] The "salary advance amount comparison unit" described in this specification, when receiving a determination result from the maximum number of users determination unit that the number of users is within the maximum number of users, refers to a user table or the like, compares the available salary advance amount at the time of the request with the requested salary advance amount, and compares whether the requested salary advance amount is within the available salary advance amount. If the salary advance amount comparison unit determines that the requested salary advance amount is within the available salary advance amount, it may send the determination result to that effect to the approval unit. Furthermore, if the salary advance amount comparison unit determines that the requested salary advance amount exceeds the available salary advance amount, it may send the determination result to that effect to the approval unit.

[0047] The term "worker terminal" as used herein is not particularly limited as long as it is a terminal used by a worker, and examples include a smartphone, a tablet terminal, and a personal computer (PC). An application program (payroll advance application) for requesting advance payment of a salary from the business operator's server may be installed on the worker terminal. The payroll advance application program may be downloaded, for example, from the business operator's server or a homepage (HP) managed by the service provider.

[0048] The "communication network" described in this specification may consist of one or more networks. The communication network may be a dedicated line or a public line, and may be wired or wireless. Part or all of the communication network may be a telephone line, the Internet, a VPN, or the like.

[0049] In another embodiment of the present invention, A payroll advance system program in which a service provider makes payroll advance payments to workers on behalf of at least one employer, obtaining payroll advance request information from the worker, the payroll advance request information including a payroll advance request amount; A step of creating salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker to the worker; A step of instructing the employee to transfer the advance salary amount to the employee's account on behalf of the employer based on the advance salary transfer data; sending salary advance payment data to the employer, the salary advance payment data including the amount of the salary advance payment paid to the worker; and the program is characterized by not exceeding the upper limit set by the service provider on the number of workers who can receive advance payments of wages for each employer. to provide.

[0050] In another embodiment of the present invention, A computer-readable recording medium having recorded thereon a program for a salary advance system in which a service provider makes salary advance payments to workers on behalf of at least one employer, obtaining payroll advance request information from the worker, the payroll advance request information including a payroll advance request amount; A step of creating salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker to the worker; A step of instructing the employee to transfer the advance salary amount to the employee's account on behalf of the employer based on the advance salary transfer data; sending salary advance payment data to the employer, the salary advance payment data including the amount of the salary advance payment paid to the worker; and a recording medium for executing a program characterized by not exceeding the upper limit of the number of workers who can receive advance payments of wages for each employer, set by the service provider. to provide.

[0051] In another embodiment of the present invention, There is a method by which a service provider advances wages to workers on behalf of at least one employer, obtaining payroll advance request information from the worker, the payroll advance request information including a payroll advance request amount; A step of creating salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker to the worker; A step of instructing the employee to transfer the advance salary amount to the employee's account on behalf of the employer based on the advance salary transfer data; sending salary advance payment data to the employer, the salary advance payment data including the amount of the salary advance payment paid to the worker; and a step of setting an upper limit on the number of workers who can receive salary advances for each employer by the service provider. to provide.

[0052] Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings.

[0053] Figure 1 shows an example of the overall configuration of a salary advance system according to an embodiment. The salary advance system 1 comprises an employer server 10 provided at the employer, an employer server 12 provided at the service provider, an attendance information management server 14 provided at the service provider, the employer, or its affiliates, and an employee terminal 16 operated by the employee, all of which are connected to a communications network 20 so as to be able to send and receive data. In addition, if the account through which the salary advance is paid to the employee is a bank account, a bank server 18 provided at the bank where the employee holds the bank account may also be connected to the communications network 20.

[0054] The employer server 10 collects and stores worker attribute data and data on working conditions from the company's internal systems. In the present invention, the employer server 10 transmits information for the business operator server 12 to perform the necessary processing when an operation to request a salary advance payment is performed from the worker terminal 16, as necessary. A known attendance management application may be installed on the employer server 10. The employer server 10 may transmit the working conditions of workers as attendance data to the attendance information management server 14 via the communication network 20 at a predetermined timing.

[0055] The attendance information management server 14 accumulates and manages attendance data received from the user server 10 via the communication network 20. The attendance information management server 14 may also transmit the attendance data to the business operator server 12 via the communication network 20 at a predetermined timing. Therefore, in one embodiment of the present invention, the attendance data is managed by the attendance information management server.

[0056] In the present invention, the worker terminal 16 functions as a client terminal. The worker terminal 16 is communicably connected to the business server 12, the employer server 10, and, if necessary, the bank server 18 via the network 20. The worker terminal 16 downloads an application equipped with a UI (User Interface), which will be described later, to use the system of the present invention.

[0057] The business operator server 12 receives a request for advance salary payment from the worker terminal 16 via the communication network 20 and executes a transfer process to the worker's account. In response to the request for advance salary payment from the worker terminal 16, the business operator server 12 can instruct the worker to transfer part or all of the worker's labor compensation amount to the worker. The transfer may be a cash transfer to the account, a charge to electronic money, a transfer as virtual currency, or a combination of these.

[0058] 2A shows an example of a functional block diagram of the user server 10. The user server 10 has, as functional blocks, an attendance data input / output unit 100, an attendance data storage unit 101, an hourly wage unit price table input / output unit 102, and an hourly wage unit price table storage unit 103.

[0059] The attendance data input / output unit 100 receives the attendance data of the worker, i.e., the working status linked to the worker's basic information, and stores it in the attendance data storage unit 101. The attendance data input / output unit 100 can output the attendance data to the attendance information management server 14 and / or the business operator server 12 at a predetermined timing.

[0060] The attendance data storage unit 101 sequentially stores the attendance data of workers. Attendance data is stored for each worker. Data stored in the attendance data storage unit 101 includes the worker's working hours, labor hours, hourly wage, and basic wage. Instead of working hours or labor hours, the number of working days, number of working weeks, or number of working months may also be used.

[0061] The hourly wage unit table input / output unit 102 inputs the worker's hourly wage unit table. The hourly wage unit table input / output unit 102 can output the hourly wage unit table to the attendance information management server 14 or the business operator server 12 at a predetermined timing.

[0062] The hourly wage unit price table storage unit 103 stores an hourly wage unit price table.

[0063] 2B shows an example of a configuration block diagram of the user server 10. The user server 10 includes a CPU 10a, a ROM 10b, a RAM 10c, an input / output interface (I / F) 10d, a storage device 10e, a communication interface (I / F) 10f, an input device 10g, and a display device 10h, which are connected by a bus.

[0064] The one or more CPUs 10a can read out processing programs stored in the ROM 10b or the storage device 10e and use the RAM 10c as a working memory to execute various processes, including input / output and storage of attendance data.

[0065] The input / output I / F 10d is connected to the input device 10g and the display device 10h, and is capable of inputting and outputting data.

[0066] The storage device 10e is configured with an HDD, SSD, etc. and can store various data. The storage device 10e constitutes the attendance data storage unit 101 and the hourly wage unit price table storage unit 103 in FIG. 2A.

[0067] The communication I / F 10f transmits and receives data to and from the business operator server 12, the attendance information management server 14, the worker terminal 16, and / or the bank server 18 via the communication network 20. The communication I / F 10f constitutes the attendance data input / output unit 100 and the hourly wage unit price table input / output unit 102 in Figure 2A.

[0068] 3A shows an example of a functional block diagram of the attendance information management server 14. The attendance information management server 14 includes, as functional blocks, an attendance data input / output unit 140, an attendance data storage unit 141, an hourly wage unit price table storage unit 142, an hourly wage unit price table input / output unit 143, and a payroll calculation unit 144.

[0069] The attendance data input / output unit 140 inputs attendance data from the user server 10. The attendance data input / output unit 140 can output the attendance data to the business operator server 12 at a predetermined timing.

[0070] The attendance data storage unit 141 sequentially stores the attendance data of workers. The attendance data is not particularly limited as long as it does not interfere with the implementation of the present invention, but it stores working hours or working hours in a table in units of hours. The units of hours may be days, weeks, or months.

[0071] The hourly wage unit price table input / output unit 142 inputs the hourly wage unit price table from the user server 10. The hourly wage unit price table input / output unit 142 may also output the hourly wage unit price table to the business operator server 14.

[0072] The hourly wage unit price table storage unit 143 stores an hourly wage unit price table for each worker. In the present invention, the hourly wage unit price table may be information related to salaries or remuneration associated with workers.

[0073] The salary calculation unit 144 calculates and transmits the amount of compensation for labor (cumulative salary) from the specified start date for each worker based on the input attendance data and the hourly wage unit price table stored in the hourly wage unit price table storage unit 143.

[0074] 3B shows an example of a configuration block diagram of the attendance information management server 14. The attendance information management server 14 includes a CPU 14a, a ROM 14b, a RAM 14c, an input / output interface (I / F) 14d, a storage device 14e, a communication interface (I / F) 14f, an input device 14g, and a display device 14h, which are connected by a bus.

[0075] One or more CPUs 14a can read processing programs stored in ROM 14b or storage device 14e and execute various processes using RAM 14c as working memory. These processes include input / output and storage of attendance data, input / output and storage of hourly wage unit tables, and salary calculation for each worker. CPU 14a constitutes salary calculation unit 144 in FIG. 3A.

[0076] The input / output I / F 14d is connected to the input device 14g and the display device 14h, and is capable of inputting and outputting data.

[0077] The storage device 14e is configured with an HDD, SSD, etc. and can store various data. The storage device 14e constitutes the attendance data storage unit 141 and the hourly wage unit price table storage unit 143 in FIG. 3A.

[0078] The communication I / F 14f transmits and receives data to and from the employer server 10, the business operator server 12, the worker terminal 16, and / or the bank server 18 via the communication network 20. The communication I / F 14f constitutes the attendance data input / output unit 140 and the hourly wage unit price table input / output unit 142 in Figure 3A.

[0079] 4A shows an example of a functional block diagram of the business operator server 12. The business operator server 12 includes, as functional blocks, a user data input unit 120, a user table storage unit 121, a payroll calculation unit 122, a request processing unit 123, a request table storage unit 124, a user upper limit number determination unit 125, a payroll advance amount comparison unit 126, an approval unit 127, a payroll advance transfer data creation unit 128, a payroll advance transfer instruction unit 129, and a payroll advance payment data transmission unit 130. Therefore, in one embodiment of the present invention, the request processing unit, the payroll advance transfer data creation unit, the payroll advance transfer instruction unit, and the payroll advance payment data transmission unit are provided in the business operator server.

[0080] The user data input unit 120 inputs user data including attendance data and hourly wage unit tables received from the employer server 10, attendance information management server 14, etc., as a user table. Therefore, the user table may include various information for identifying workers (e.g., the worker's name, address, age, bank name, branch name, account number, etc.) and attendance data such as each worker's workdays and work hours, as well as each worker's hourly wage unit, labor compensation amount, and advance payable amount. The hourly wage unit for each worker may be managed and stored in an hourly wage unit table storage unit (not shown) together with various information for identifying the worker.

[0081] The user table storage unit 121 stores a user table.

[0082] The payroll calculation unit 122 can calculate the amount of labor compensation (accumulated salary) for each worker from the specified start date based on the input attendance data and / or by referencing data stored in the user table storage unit 121. The payroll calculation unit 122 may also calculate the amount of salary advances available for each worker based on the amount of labor compensation. For example, if an employer or service provider sets 70% of the amount of labor compensation for Worker A as the amount of salary advances available for that worker, the payroll calculation unit 122 may calculate the amount of salary advances available for that worker by multiplying the amount of labor compensation by 0.7. The payroll calculation unit 122 may also calculate the cumulative amount of salary advances already paid to workers by referencing the user table, request table, etc., and calculate the amount by subtracting the cumulative amount of salary advances already paid from the amount of labor compensation. Each amount calculated in this manner may be stored in the user table or request table.

[0083] The request processing unit 123 inputs and processes the salary advance request information from the worker terminal 16. The request processing unit 123 may compare the worker identification information included in the salary advance request information with worker information pre-recorded in the employer server, and determine whether the request is from a worker who is eligible for salary advance payment.

[0084] The request table storage unit 124 stores a request table relating to advance salary request information input from the worker terminal 16. The request table includes information identifying the worker who made the request, the request date, an identifier (ID) identifying the request, the requested amount, etc. These data may be recorded and managed when the request is approved by the approval unit 127.

[0085] The upper limit number of users determination unit 125 determines whether the number of users of the salary advance payment system within a predetermined period is within the upper limit number of users set for each user. If the upper limit number of users determination unit 126 determines that the number is within the upper limit number of users, it sends the determination result to the advance salary payment amount comparison unit 126. On the other hand, if the upper limit number of users determination unit 125 determines that the number of users exceeds the upper limit number of users, it sends the determination result to the approval unit 127.

[0086] When the advance salary amount comparison unit 126 receives a determination result from the maximum number of users determination unit 125 that the amount is within the maximum number of users, it refers to a user table or the like, compares the amount available for advance salary at the time of the request with the amount of the requested advance salary, and determines whether the amount is within the range of the available advance salary. When the advance salary amount comparison unit 126 determines that the requested amount for advance salary is within the range of the available advance salary, it transmits a determination result to that effect to the approval unit 127. When the advance salary amount comparison unit 126 determines that the requested amount for advance salary exceeds the available advance salary, it transmits a determination result to that effect to the approval unit 127.

[0087] The approval unit 127 approves or rejects a salary advance request from the worker terminal 16. Specifically, when the approval unit 127 receives a determination result from the salary advance comparison unit 126 that the requested salary advance amount is within the available salary advance amount, the approval unit 127 approves the request. On the other hand, when the approval unit 127 receives a determination result from the maximum number of users determination unit 125 that the maximum number of users has been exceeded, or when the approval unit 127 receives a determination result from the salary advance amount comparison unit 126 that the requested salary advance amount exceeds the available salary advance amount, the approval unit 127 rejects the request. Alternatively, when the approval unit 127 receives a determination result from the salary advance amount comparison unit 126 that the requested salary advance amount exceeds the available salary advance amount, the approval unit 127 may approve the request on the condition that the available salary advance amount (or an amount within that range) is paid.

[0088] If the request is rejected by the approval unit 127, the request processing unit 123 transmits a message to that effect to the worker terminal 16.

[0089] When approving a request, the approval unit 127 records and updates the request amount of the newly approved salary advance request information in the request table stored in the request table storage unit 124. The approval unit 127 also instructs the salary advance transfer data creation unit 128 to create transfer data based on the request amount of the approved salary advance request information.

[0090] If approved by the approval unit 127, the advance salary transfer data creation unit 128 creates advance salary transfer data for transferring the requested amount (or the available advance salary amount or an amount within that range) to the worker's account.

[0091] The advance salary transfer instruction unit 129 instructs a bank server or the like to transfer an advance salary based on the advance salary transfer data so that a predetermined amount is transferred to an account (e.g., a bank account) designated in advance by the worker.

[0092] The salary advance payment data transmission unit 130 transmits salary advance payment data including the amount of salary advance payment already paid for each worker within a predetermined period to the employer server 10. The salary advance payment data may be, for example, an invoice. The employer may settle the payment with the service provider or the like based on the received salary advance payment data.

[0093] 4B shows an example of a configuration block diagram of the business server 12. The business server 12 includes a CPU 12a, a ROM 12b, a RAM 12c, an input / output interface (I / F) 12d, a storage device 12e, a communication interface (I / F) 12f, an input device 12g, and a display device 12h, which are connected by a bus.

[0094] One or more CPUs 12a can read processing programs stored in ROM 12b or storage device 12e and execute various processes using RAM 12c as working memory. These processes include inputting and storing user data, calculating the payroll for each worker, receiving and processing advance payroll request information, determining the maximum number of users, comparing the requested amount with the amount of advance payroll already paid, approving (or rejecting) the request, creating transfer data, and transferring the money to a bank account. The CPU 12a constitutes the payroll calculation unit 122, request processing unit 123, upper limit number of users determination unit 125, advance payroll amount comparison unit 126, approval unit 127, and advance payroll transfer data creation unit 128 shown in FIG. 4A.

[0095] The input / output I / F 12d is connected to an input device 12g and a display device 12h, and is capable of inputting and outputting data.

[0096] The storage device 12e is configured with an HDD, an SSD, etc., and can store various data. The storage device 12e configures the user table storage unit 121 and the request table storage unit 124 in FIG. 4A.

[0097] The communication I / F 12f transmits and receives data to and from the user server 10, the attendance information management server 14, the worker terminal 16, and / or the bank server 18 via the communication network 20. The communication I / F 14f constitutes the user data input unit 120 in FIG. 4A.

[0098] 5A shows a functional block diagram of worker terminal 16. Worker terminal 16 includes, as functional blocks, a salary advance payment application 161, an operation unit 162, a display unit 163, and a storage unit 164.

[0099] The salary advance application 161 is a functional block realized by executing an installed salary advance application program, and includes a processing module. In addition, if the salary advance is paid using electronic money or the like, the salary advance application unit 161 may include an electronic money management module or the like, as necessary. The electronic money management module may be provided separately from the processing module, or may be integrated into the processing module.

[0100] The processing module is a module that manages the entire salary advance payment process, displays an operation screen (UI screen) on the display unit 163, accepts requests from workers who are users, and transmits salary advance payment request information to the business operator server 12 via the communication network 20. It also receives data from the business operator server 12 and displays it on the display unit 163.

[0101] The operation unit 162 is composed of a touch panel, keyboard, mouse, etc., and is operated by the worker who is the user to input data.

[0102] The display unit 163 is configured with a liquid crystal panel, an organic EL panel, or the like, and displays various screens.

[0103] The storage unit 164 stores user information.

[0104] FIG. 5B shows a configuration block diagram of worker terminal 16. Worker terminal 16 is a smartphone, tablet terminal, PC, etc., and has the same configuration as these information terminals. Worker terminal 16 includes a CPU 165, ROM 166, RAM 167, operation unit 162, display unit 163, communication I / F 168, and memory unit 164. CPU 165 performs various processes by executing processing programs stored in ROM 166 or memory unit 164. The processing programs include a salary advance payment application program.

[0105] The communication I / F 168 transmits and receives data to and from the business server 12 via the communication network 20. That is, the communication I / F 168 transmits a request for advance payment of wages to the business server 12.

[0106] Data Processing Flow Next, the flow of data processing in this embodiment will be described.

[0107] Figure 6A illustrates a timeline of one embodiment of data flow in a payroll advance system, from when a worker provides work, to when they request a payroll advance, to when they receive the payroll advance in cash or other form.

[0108] [Labor provision] A worker who is a user of the worker terminal 16 provides labor to an employer based on a labor contract or the like (a. Labor provision). The employer server 10, managed by the employer, inputs and stores the worker's attendance data.

[0109] [Send attendance data] The user server 10 transmits attendance data to the system vendor that manages the attendance information management server 14 (b. Attendance data). The timing of transmission is arbitrary, and may be daily or at regular intervals. The attendance information management server 10 transmits the attendance data received from the user server 10 to the business operator server 12 (c. System collaboration). Note that, unlike the embodiment shown in FIG. 6A, the business operator server 12 may receive attendance data directly from the user server 10 without going through the attendance information management server 14.

[0110] [Salary Advance Request] The worker operates the worker terminal 16 to send a salary advance request to the business server 12 (d. Salary Advance Application). When the request processing unit 123 receives the request, the business server 12 refers to the user table, etc., and determines whether the number of users of the salary advance system per employer (the number of workers using the salary advance system per employer) within a specified period (e.g., one day, several days, one week, several weeks, one month, several months) is within the upper limit of the number of users. If the business server 12 determines that the upper limit of users has been exceeded, it rejects the worker's salary advance request. If the business server 12 determines that the number of users is within the upper limit of the number of users, it refers to the worker's user table to check the worker's available salary advance amount on the day the request was received, and determines whether to approve the salary advance request.

[0111] [Bank transfer] If the business entity server 12 determines that the advance salary payment is permitted, it creates transfer data for transferring cash and transfers the amount to the worker's bank account (account B at bank B) (e. Transfer of advance salary payment amount). Note that although the embodiment in Fig. 6A illustrates a case where cash is transferred to a bank account, electronic money or virtual currency may also be transferred to the corresponding account.

[0112] [Send advance payment data] The service provider transmits information including the amount of the advance salary paid to the worker to the employer as advance salary payment data (f. Advance salary payment data).

[0113] [Liquidation] Based on the received salary advance payment data, the user transfers the amount including the salary advance payment amount to the service provider (g. Settlement). The amount transferred at this time may include not only the salary advance payment amount but also the salary advance system usage fee and transfer administrative fee.

[0114] [Salary Balance Transfer] On the designated payday, the employer transfers the remaining labor compensation (salary balance) after deducting the worker's advance salary payment to the worker's bank account (j. Transfer of salary balance). The amount transferred at this time may be the amount after deducting service fees, bank transfer fees, etc. Note that while the embodiment in Figure 6A illustrates a case in which cash is transferred to a bank account, electronic money or virtual currency may also be transferred to the corresponding account.

[0115] Therefore, in one embodiment of the present invention, the salary advance payment request information is transmitted from the worker terminal, and the worker terminal, the business server, and the attendance information management server are connected to each other via a network so as to be able to communicate with each other.

[0116] As shown in Figure 6B, the service provider may guarantee the amount of the claim claimed from the user by paying a guarantee fee to the claim guarantor. With a claim guarantor, the service provider does not need to make a credit assessment of the user. In other words, with a claim guarantor, the service provider does not need to set a usage limit for each user (company), and may only manage the maximum number of users. Examples of claim guarantors include insurance companies and banks.

[0117] FIG. 6C is a timeline illustrating another embodiment of data flow in a wage advance system, from when a worker provides work, to when the worker requests a wage advance, to when the worker receives the wage advance in cash or other form.

[0118] [Labor provision] A worker who is a user of the worker terminal 16 provides labor to an employer based on a labor contract or the like (a. Labor provision). The employer server 10, managed by the employer, inputs and stores the worker's attendance data.

[0119] [Send attendance data] The user server 10 transmits attendance data to the system vendor that manages the attendance information management server 14 (b. Attendance data). The timing of transmission is arbitrary, and may be daily or at regular intervals. The attendance information management server 10 transmits the attendance data received from the user server 10 to the business operator server 12 (c. System collaboration). Note that, unlike the embodiment shown in FIG. 6C, the business operator server 12 may receive attendance data directly from the user server 10 without going through the attendance information management server 14.

[0120] [Salary Advance Request] The worker operates the worker terminal 16 to send a salary advance request to the business server 12 (d. Salary Advance Application). The business server 12 refers to a user table, etc., and determines whether the number of users of the salary advance system per employer (the number of workers using the salary advance system per employer) within a specified period (e.g., one day, several days, one week, several weeks, one month, several months) is within the upper limit of the number of users. If the business server 12 determines that the number of users exceeds the upper limit, it rejects the worker's salary advance request. If the business server 12 determines that the number of users is within the upper limit, upon receiving the request at the request processing unit 123, it refers to the worker's user table to confirm the worker's available salary advance amount on the day the request was received, and determines whether to approve the salary advance in accordance with the salary advance request.

[0121] [Bank transfer] If the business entity server 12 determines that the advance salary payment is permitted, it creates transfer data for transferring cash and transfers the amount to the worker's bank account (account B at bank B) (e. Transfer of advance salary payment amount). Note that although the embodiment in Fig. 6C illustrates a case where cash is transferred to a bank account, electronic money or virtual currency may also be transferred to the corresponding account.

[0122] [Send advance payment data] The service provider sends information including the advance salary amount paid to the worker to the employer as advance salary payment data (f.-1 Advance salary payment data). The service provider also bills the employer for an amount including the advance salary payment amount (f.-2). The amount billed at this time may include not only the advance salary payment amount but also the fee for using the advance salary payment system and bank transfer processing fees.

[0123] [Settlement between user and service provider] Based on the received salary advance payment data, the user pays the amount including the salary advance payment amount to the service provider by card (g. Card payment). The amount paid at this time may include not only the salary advance payment amount but also the salary advance system usage fee and bank transfer administrative fee.

[0124] [Settlement between service provider and card company] The service provider will bill the card company for the amount of the advance salary payment, etc., paid by the employer via card (h. Billing). The card company will settle the amount to the service provider based on the bill (i. Settlement).

[0125] [Salary Balance Transfer] On the designated payday, the employer transfers the remaining labor compensation (salary balance) after deducting the worker's advance salary payment to the worker's bank account (j. Transfer of salary balance). The amount transferred at this time may be the amount after deducting service fees, bank transfer fees, etc. Note that while the embodiment in Figure 6C illustrates a mode in which cash is transferred to a bank account, electronic money or virtual currency may also be transferred to the corresponding account.

[0126] [Settlement between the card company and the user] The card company bills the employer for the amount of the advance salary payment, etc., that it has settled with the service provider (k. Billing). The employer settles the amount to the card company based on this bill (l. Settlement).

[0127] Next, the processing in the employer server 10, the attendance information management server 14, the business operator server 12, and the worker terminal 16 will be described in more detail.

[0128] 7A and 7B show processing flowcharts of the user server 10, the attendance information management server 14, and the business operator server 12. Processing in the user server 10 is realized by the CPU 10a executing a processing program stored in the ROM 10b or the storage device 10e. Processing in the attendance information management server 14 is realized by the CPU 14a executing a processing program stored in the ROM 14b or the storage device 14e. Processing in the business operator server 12 is realized by the CPU 12a executing a processing program stored in the ROM 12b or the storage device 12e.

[0129] The employer registers worker information on the business operator server 12 (S01). The worker information may include, for example, the worker's name, employee number, email address, and phone number of the worker's smartphone or other device, or may be an identification ID arbitrarily set by the employer and / or service provider based on this information. The employer or service provider sets the amount available for advance salary payments for each worker as needed, and registers this on the business operator server 12 (S02). The service provider sets an upper limit on the number of users of the advance salary payment system described herein for each user, and registers this on the business operator server.

[0130] The employer server 10 transmits attendance data to the business operator server 12 at a predetermined timing (S04-1). Alternatively, the employer server 10 transmits attendance data to the attendance information management server 14 at a predetermined timing (S04-2), and the attendance information management server 14 transmits the attendance data to the business operator server 12 at a predetermined timing (S04-3). The business operator server 12 may calculate the labor compensation amount for each worker at that time based on the received attendance data.

[0131] Alternatively, the employer server 10 may calculate the labor compensation amount at that time for each worker based on the attendance data and transmit labor compensation data including the calculated labor compensation amount to the business operator server 12 (S05-1). Alternatively, the attendance information management server 14 may calculate the labor compensation amount at that time for each worker based on the attendance data received from the employer server 10 (S05-2) and transmit labor compensation data including the calculated labor compensation amount to the business operator server 12 (S05-3).

[0132] FIG. 8 shows the processing flow after the business operator's server 12 receives the attendance data or labor compensation data and before it transmits the advance salary payment data to the employer.

[0133] When the business entity server 12 receives attendance data from the employer server or the attendance information management server (S101), it calculates the labor compensation amount at that time for each worker based on the attendance data (S102). Alternatively, the business entity server may receive labor compensation data including the labor compensation amount calculated by the employer server or the attendance information management server from the employer server or the attendance information management server (S103).

[0134] The business operator server 12 determines whether or not a salary advance request has been received from the worker terminal 16 (S104). If a salary advance request has not been received, the business operator server 12 repeatedly executes the processes of S101 to S103 to sequentially calculate or sequentially receive the labor compensation amount for each worker.

[0135] When the business entity server 12 receives a salary advance request from the worker terminal 16, it determines whether the maximum number of users of the salary advance system 1 for each user within a predetermined period has been exceeded (S105). If it determines that the maximum number of users has been exceeded, the business entity server 12 sends a notification to the worker terminal 16 that the maximum number of users has been exceeded (S109), and ends the process.

[0136] If the business operator server 12 determines that the maximum number of users has not been exceeded (is within the maximum number of users), it determines whether the amount of the salary advance request from the worker is within the range of the worker's available salary advance amount. The available salary advance amount is calculated based on the available salary advance amount for each worker, which is set arbitrarily by the employer or the service provider, and the amount of salary advance payment already paid to the worker.

[0137] The available salary advance amount for each worker may be set by the employer or service provider, taking into consideration the employment category (full-time employee, part-time employee, etc.), attendance status, years of employment, etc. of the worker requesting a salary advance. For example, an upper limit rate (e.g., 50%) may be set for each worker depending on the employment category (full-time employee, part-time employee, etc.), and the available salary advance amount may be determined by multiplying the labor compensation amount by the upper limit rate. If the available salary advance amount is not set by the employer or service provider, the available salary advance amount may be determined by the labor compensation amount.

[0138] The business operator server 12 compares the amount obtained by subtracting the amount of salary advance already paid to the worker from the amount available for salary advance payment for each worker with the requested salary advance amount, and may reject the advance request from the worker if the requested salary advance amount is larger. Alternatively, if the requested salary advance amount is larger, the business operator server 12 may use the amount obtained by subtracting the amount of salary advance already paid to the worker from the amount available for salary advance payment for each worker as the salary advance payment amount. On the other hand, if the requested salary advance amount is smaller, the business operator server 12 may use the requested salary advance amount as the salary advance payment amount.

[0139] If the business operator server 12 determines that the amount of the advance salary requested by the worker is within the worker's available advance salary amount and sets the advance salary amount to the amount of the advance salary, or if the business operator server 12 determines that the amount of the advance salary requested by the worker is not within the worker's available advance salary amount and sets the advance salary amount to the amount of the advance salary, the business operator server 12 creates transfer data corresponding to the advance salary amount and transfers the data to the worker's account (e.g., bank account) (S107). A specified fee may be deducted from the amount transferred. The business operator server 12 then deducts the transferred amount from the labor compensation amount (cumulative salary) and executes a salary balance update process. Then, on a specified date, the business operator server 12 outputs advance salary payment data, including the advance salary payment amount for each worker within a specified period, to the employer server 10 (S108).

[0140] 9 shows a processing flowchart of the worker terminal 16. This processing is realized by the CPU 165 executing the salary advance payment application program stored in the ROM 166 or the storage unit 164.

[0141] When a worker operates the worker terminal 16 to start the salary advance payment application program (S201), the processing module of the salary advance payment application first displays a login screen on the display unit 163 (S202). On this login screen, the worker enters a company code (a code for each user), a user code (a code for each worker), etc. The processing module transmits the entered information to the business operator server 12. The business operator server 12 compares the entered data with a user table, etc., determines whether or not to permit login, and notifies the worker terminal 16 of the determination result.

[0142] Next, the processing module determines whether to permit the login (S203). When the worker terminal 16 receives a notification from the business provider server 12 that the login is not permitted, the processing ends. When the worker terminal 16 receives a notification from the business provider server 12 that the login is permitted, the worker terminal 16 determines that the login is OK and displays the top screen on the display unit 163 (S204). On the top screen, the worker can input whether to apply for a salary advance (salary advance request) or to inquire about the available salary advance amount. The processing module transmits the input information to the business provider server 12 to transmit the content of the request (salary advance request or inquiry about the available salary advance amount, etc.) (S205). When the business provider server 12 receives the request, it notifies the worker terminal 16 that it will display a screen corresponding to the request. When the worker terminal 16 receives a notification from the business provider server 12 that it will display a screen corresponding to the request, it displays the salary advance request screen on the display unit 163 (S206). On the salary advance request screen, the worker can input the salary advance request amount, etc. The processing module transmits the contents of the salary advance request by sending the input information to the business operator server 12 (S207). When the business operator server 12 receives the salary advance request, it determines whether the maximum number of users of the salary advance system 1 per user within a specified period has been exceeded. When the worker terminal 16 receives a notification from the business operator server 12 that the maximum number of users has been exceeded, it terminates the processing. If the business operator server 12 determines that the maximum number of users is within the limit, it refers to the user table and obtains the available salary advance amount based on the worker's current labor compensation amount, the available salary advance amount, and / or the salary advance amount already paid to the worker, determines whether to allow the salary advance, and transmits the determination result to the worker terminal 16.

[0143] If it is determined that the advance salary payment is permitted, the business operator server 12 creates transfer data according to the advance salary payment amount and executes the transfer process to the worker's bank account. If the transfer is by electronic money, the electronic money may be charged. Therefore, if the transfer is by cash, the worker can withdraw the amount transferred to his or her bank account as needed. On the other hand, if it is determined that the advance salary payment is rejected, the screen returns to the advance salary payment request screen.

[0144] Below, we will explain in detail the screen (UI screen) displayed on the display unit 163 of the worker terminal 16. Note that, although a smartphone is used as the worker terminal 16 and a touch panel is used as the display unit 163, the present invention is not limited to these.

[0145] 10A shows an example of the login screen displayed in S202. Input fields for entering a company code, user code, and password are displayed. The worker enters this information and touches the "Login" button to transmit this information to the business operator server 12.

[0146] FIG. 10B shows an example of the top screen displayed in S204. This is the top menu for advance pay, and displays the name (user name) of the worker who logged in and the date and time of the previous login. · Applying for a salary advance request (application for use) · Salary advance available amount inquiry (available amount inquiry) · Check application history for advance salary requests (check usage history) Change password etc. Check boxes are displayed for selecting one of the items. The worker touches one of the items to check the check box. For example, the worker can check the check box for "application for use" and send it to the business operator server 12.

[0147] FIG. 10C shows an example of the salary advance request screen displayed in S206. The salary advance request amount for the logged-in worker is displayed. The worker enters the salary advance request amount and touches the "Send" button to send this information to the business operator server 12. Although not shown in FIG. 10C, the amount available for salary advance payment for each worker may also be displayed.

[0148] As described above, in this embodiment, workers can receive advance payments of their wages, and can receive advance payments in a variety of forms. [Explanation of symbols]

[0149] 1: Advance salary system 10: User server 100: Attendance data input / output section 101: Attendance data storage unit 102: Hourly wage unit price table input / output section 103: Hourly wage unit price table storage section 12: Provider server 120: User data input section 121: User table storage unit 122: Payroll Department 123: Request processing unit 124: Request table storage unit 125:Usage limit number determination section 126: Salary advance amount comparison section 127: Approval Department 128: Advance Salary Transfer Data Creation Department 129: Advance Salary Transfer Instructions 130: Advance salary payment data transmission unit 14: Attendance information management server 140: Attendance data input / output unit 141: Attendance data storage unit 142: Hourly wage unit price table storage section 143: Hourly wage unit price table input / output section 144: Payroll Department 16: Worker terminal 18: Bank server 20: Network

Claims

1. A payroll advance system in which a service provider advances payroll to workers on behalf of at least one employer, a business server managed by the service provider; The business server a request processing unit that receives salary advance request information from the worker, the salary advance request information including a salary advance request amount; an employer information storage unit that stores an upper limit of the number of workers who can receive advance salary payments set for each employer; a user upper limit number determination unit that, when acquiring the salary advance payment request information, determines whether the number of users of the salary advance payment system within a predetermined period is within the upper limit of the number of workers stored in the user information storage unit; a salary advance transfer data creation unit that creates salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker when the user upper limit number determination unit determines that the number of workers is within the upper limit; a salary advance payment transfer instruction unit that instructs the employer to transfer the salary advance payment amount to the employee's account based on the salary advance payment data; a salary advance payment data sending unit that sends salary advance payment data including the salary advance payment amount paid to the worker to the employer; A salary advance payment system comprising:

2. The salary advance system of claim 1, wherein the available salary advance amount is an amount obtained by multiplying the labor compensation amount calculated from the attendance data for the period from a specified date to the date the salary advance request information was obtained by a specified coefficient, and subtracting the salary advance amount already paid to the worker from the amount obtained; the available salary advance amount is compared with the salary advance request amount, and if the salary advance request amount is smaller, the salary advance request amount is calculated as the salary advance payment amount.

3. A salary advance payment system as described in claim 1 or 2, wherein the attendance data is managed by an attendance information management server.

4. A salary advance system as described in Claim 3, wherein the salary advance request information is transmitted from a worker terminal, and the worker terminal, the business server, and the attendance information management server are connected to each other so as to be able to communicate with each other via a network.

5. A program for a payroll advance system in which a service provider makes payroll advance payments to workers on behalf of at least one employer, On the computer, obtaining payroll advance request information from the worker, the payroll advance request information including a payroll advance request amount; a step of referring to an upper limit of the number of workers who can receive advance salary payments, which is set for each employer and stored in a storage means, and determining whether the number of users of the salary advance payment system within a specified period is within the upper limit of the number of workers when the salary advance payment request information is acquired; If it is determined in the determining step that the number of workers is within the upper limit, creating salary advance transfer data for paying the salary advance payment amount calculated based on the attendance data, the salary advance request amount, and the salary advance available amount for each worker to the worker; a step of instructing the employee to transfer the advance salary amount to the employee's account on behalf of the employer based on the advance salary transfer data; sending salary advance payment data to the employer, the salary advance payment data including the salary advance payment amount paid to the worker; A program characterized by causing a program to be executed.

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