Server and method for providing salary prepayment service based on worker salary points

Abstract

A method performed by a server for providing a salary prepayment service based on worker salary points according to the present invention comprises the steps of: generating, in response to receiving a work start input from a worker terminal, work start information for a work start at a predetermined workplace on the basis of contracted work information of a worker; generating, in response to receiving a work end input from the worker terminal, work end information for a work end at the workplace; calculating salary points for the worker on the basis of time information of each of the work start information and the work end information and the work information; and providing the salary points to the worker terminal.

Description

Server and method for providing worker salary point-based salary advance settlement service

[0001] The present invention relates to a server and method for providing a worker salary point-based salary advance settlement service.

[0002] The traditional method of paying workers involves the employer disbursing wages on a fixed payday according to the terms specified in the employment contract. This method plays a crucial role in building trust between workers and employers by ensuring the stable guarantee of their income. In particular, monthly or weekly payment systems based on paydays have served as a fundamental benchmark for workers in planning and managing their finances.

[0003] However, this traditional method of payroll has limitations in that it fails to respond flexibly when workers experience unexpected expenses or face urgent cash shortages before payday. When sudden living costs or other urgent expenses arise, workers are placed under structural constraints that force them to wait until payday. Consequently, it is common for many workers to resort to high-interest loans, credit card delinquencies, or other unfavorable financial products to resolve pre-payday financial issues. While these financial products may be effective for short-term financing, they are highly likely to lead to a vicious cycle by increasing the financial burden on workers in the long run due to high interest rates.

[0004] Moreover, conventional payroll systems have a problem in that they do not provide sufficient means for workers to receive even a portion of their salary in advance in proportion to the work hours already performed. This limits the range of choices, especially for workers who need short-term funds, and reveals the rigidity of existing payroll methods.

[0005] Therefore, new payroll payment and settlement technology is needed that can enhance the financial stability of workers while providing a balance of flexible management for employers.

[0006] Embodiments of the present invention aim to provide a server and method for providing a salary advance settlement service based on employee salary points, which can increase the financial flexibility of employees by providing a real-time salary advance settlement service based on employee work information and salary points.

[0007] However, the technical problem that this embodiment aims to solve is not limited to the technical problem described above, and other technical problems may exist.

[0008] As a technical means for achieving the aforementioned technical problem, a method performed by a server providing a salary pre-settlement service based on a worker salary point according to the first aspect of the present invention comprises: a step of generating work start information for starting work at a predetermined workplace based on the worker's contracted work information upon receiving a work start input from a worker terminal; a step of generating work end information for ending work at the workplace upon receiving a work end input from the worker terminal; a step of calculating salary points for the worker based on time information of the work start information and the work end information and the work information; and a step of providing the salary points to the worker terminal.

[0009] Some embodiments of the present invention may further include the steps of: receiving a withdrawal request from the worker terminal for a certain number of points among the salary points already paid to the worker terminal; settling the points corresponding to the withdrawal request by deducting them from the salary points already paid; and requesting a first financial institution server to pay an amount corresponding to the deducted points from the server account to the worker's salary account.

[0010] Some embodiments of the present invention may further include the step of setting the amount paid from the server account to the salary account as the amount scheduled for repayment.

[0011] Some embodiments of the present invention may further include the steps of: receiving a request to subscribe to a salary advance settlement service from the worker terminal; and storing information of a salary account issued by a first financial institution server and a worker virtual account and a virtual account master account issued by a second financial institution server linked to the salary account.

[0012] In some embodiments of the present invention, when the payday according to the work information arrives and the full amount of salary is deposited from the employer terminal into the worker virtual account, the second financial institution server may transfer the full amount of salary from the worker virtual account to the virtual account master account, settle an amount corresponding to the salary points provided to the worker terminal from the virtual account master account and transfer it to the server account, and transfer the remaining salary amount of the virtual account master account to the salary account.

[0013] Some embodiments of the present invention may further include: receiving a work request from the worker terminal for an external workplace other than the predetermined workplace; receiving approval information from the employer terminal in response to the work request; expanding the workplace approval coverage based on location information of the external workplace in response to the approval information; and determining whether to pay the salary points by comparing the location information of the worker terminal with the workplace approval coverage.

[0014] In some embodiments of the present invention, the step of determining whether to pay the salary points by comparing the location information of the worker terminal with the workplace approval coverage may include: generating expected movement information including an expected movement path and an expected movement time during a time interval corresponding to the approval information; receiving movement information from the worker terminal including a movement path and a movement time of the worker terminal to the external workplace during a time interval corresponding to the approval information; and determining the payment of the salary points when the expected movement information and the movement information received from the worker terminal satisfy within a preset error range.

[0015] In some embodiments of the present invention, the step of calculating salary points for a worker based on each time information of the work start information and the work end information and the work information may include: a step of accumulating and storing work information including the work start information and the work end information for a certain period; a step of generating work evaluation information of a worker by comparing the accumulated work information with the contracted work information; and a step of calculating salary points by setting at least one of a payment limit and a payment rate of the salary points corresponding to the work evaluation information.

[0016] Additionally, a salary pre-settlement server based on worker salary points according to a second aspect of the present invention comprises a communication module that transmits and receives data with a worker terminal, a memory in which a program for providing salary points based on the worker's work information at a predetermined workplace is stored based on the worker's contracted work information, and a processor that, by executing the program stored in the memory, generates work start information for starting work at a predetermined workplace upon receiving a work start input from the worker terminal, generates work end information for ending work at a predetermined workplace upon receiving a work end input from the worker terminal, calculates salary points for the worker based on each time information of the work start information and the work end information and the work information, and then provides the salary points to the worker terminal.

[0017] In addition to this, other methods for implementing the present invention, other systems, and computer-readable recording media for recording a computer program for executing said method may be further provided.

[0018] According to one embodiment of the present invention described above, by enabling a worker to receive a real-time advance settlement of salary points accumulated based on work information, rapid and flexible financing for the worker can be made possible.

[0019] When using the salary advance settlement service according to the present invention, it supports workers so that they do not have to rely on disadvantageous financial products or high-interest loans, particularly in situations involving unexpected medical expenses, living expenses, or urgent expenditures, thereby significantly alleviating their economic burden.

[0020] Furthermore, since one embodiment of the present invention operates dynamically in conjunction with the worker's current work situation, it can provide the advantage of allowing the worker to check and use funds in real time based on their work status or performance. This provides financial liquidity to the worker while simultaneously having a positive impact on work motivation and the improvement of work performance.

[0021] Furthermore, the present invention can strengthen trust between workers and employers by performing a systematic point calculation and settlement process based on workers' salary data. Going beyond simple financial support, this invention is expected to have the effect of significantly improving the economic stability of workers and the operational efficiency of employers.

[0022] The effects of the present invention are not limited to those mentioned above, and other unmentioned effects will be clearly understood by a person skilled in the art from the description below.

[0023] FIG. 1 is a drawing illustrating a salary advance settlement service system according to one embodiment of the present invention.

[0024] FIG. 2 is a block diagram of a salary advance settlement service providing server according to one embodiment of the present invention.

[0025] FIG. 3 is a flowchart of a method for providing a salary advance settlement service according to one embodiment of the present invention.

[0026] FIG. 4 is a diagram illustrating salary points paid to a worker terminal in one embodiment of the present invention.

[0027] FIG. 5 is a diagram illustrating the process of withdrawing salary points paid to a worker terminal in one embodiment of the present invention.

[0028] FIG. 6 is a diagram illustrating the flow of funds between accounts in a salary advance settlement service according to one embodiment of the present invention.

[0029] The advantages and features of the present invention and the methods for achieving them will become clear by referring to the embodiments described below in detail together with the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below but may be implemented in various different forms. These embodiments are provided merely to ensure that the disclosure of the present invention is complete and to fully inform those skilled in the art of the scope of the present invention, and the present invention is defined only by the scope of the claims.

[0030] The terms used in this specification are for describing embodiments and are not intended to limit the invention. In this specification, the singular form includes the plural form unless specifically stated otherwise in the text. The terms "comprises" and / or "comprising" used in this specification do not exclude the presence or addition of one or more other components in addition to the components mentioned. Throughout the specification, the same reference numerals refer to the same components, and "and / or" includes each of the mentioned components and all combinations of one or more. Although terms such as "first," "second," etc., are used to describe various components, these components are not limited by these terms. These terms are used merely to distinguish one component from another. Therefore, the first component mentioned below may be the second component within the technical scope of the invention.

[0031] Unless otherwise defined, all terms used herein (including technical and scientific terms) may be used in a meaning commonly understood by those skilled in the art to which the present invention pertains. Additionally, terms defined in commonly used dictionaries are not to be interpreted ideally or excessively unless explicitly and specifically defined otherwise.

[0032] Hereinafter, a service server (100, hereinafter referred to as the service server) providing a worker salary point-based salary advance settlement service according to an embodiment of the present invention will be described with reference to FIGS. 1 and 2.

[0033] FIG. 1 is a drawing illustrating a salary advance settlement service system (1) according to one embodiment of the present invention.

[0034] As illustrated in FIG. 1, the salary advance settlement service system (1) according to the present invention includes a service server (100), a worker terminal (200), an employer terminal (300), a first financial company server (400), and a second financial company server (500).

[0035] At this time, each component constituting the salary advance settlement service system (1) illustrated in FIG. 1 may be connected through a network. A network refers to a connection structure capable of exchanging information between each node, such as terminals and servers. Examples of such a network include, but are not limited to, a 3GPP (3rd Generation Partnership Project) network, an LTE (Long Term Evolution) network, a WIMAX (World Interoperability for Microwave Access) network, the Internet, a LAN (Local Area Network), a Wireless LAN (Wireless Local Area Network), a WAN (Wide Area Network), a PAN (Personal Area Network), a Bluetooth network, a satellite broadcasting network, an analog broadcasting network, a DMB (Digital Multimedia Broadcasting) network, and a Wi-Fi (Wireless Fidelity).

[0036] The service server (100) provides a salary advance settlement service to the worker terminal (200) and the employer terminal (300). The service server (100) distributes the salary advance settlement service in the form of an application so that it is installed on the worker terminal (200) and the employer terminal (300), and can provide the salary advance settlement service through mutual data transmission and reception. Alternatively, the salary advance settlement service may be provided based on a web service. For convenience, the following description will be provided as being provided in the form of an application, but it is not necessarily limited thereto.

[0037] The service server (100) communicates with the worker terminal (200) to receive work start and end information, calculates the worker's salary points based on this information, and manages the salary point provision and settlement procedures. The information generated during this process is also simultaneously provided to the employer terminal (300). In addition, through linkage with the first financial institution server (400) and the second financial institution server (500), it controls the movement of funds between the salary account and the virtual account and supports the smooth execution of salary advance settlement and actual settlement procedures required by the worker and the employer.

[0038] The worker terminal (200) is a device used directly by the worker and serves as an interface for receiving salary advance settlement services. Through the worker terminal (200), the worker performs work start and end inputs in a predetermined manner and can inquire about their salary point information or send withdrawal requests to the service server (100). Additionally, the worker terminal (200) collects the worker's workplace location information and transmits it to the server, and provides information necessary for processing employer approval and workplace expansion during off-site work.

[0039] The employer terminal (300) is a device used by the employer to manage the employee's work status and control salary-related procedures according to the salary advance settlement service. In addition, the employer can approve the employee's request for external work or review the employee's work evaluation information through the employer terminal (300). Furthermore, when payday arrives, the full amount of the salary is transferred to the employee's account via the second financial institution server (500), and the settlement process between the employee and the service server (100) can be monitored.

[0040] Meanwhile, the worker terminal (200) and the employer terminal (300) according to one embodiment of the present invention are user terminals capable of connecting to a service server (100). In particular, each terminal (200, 300) is an intelligent terminal that adds computer support functions such as internet communication and information search to the terminal, and may be a PC, mobile phone, smartphone, pad, smart watch, wearable terminal, POS, or other mobile communication terminal capable of installing and running a number of applications (i.e., applications) desired by the user.

[0041] The first financial institution server (400) issues and manages a salary account for the salary advance settlement service through communication with the service server (100). The second financial institution server (500) issues and manages a worker virtual account linked to the salary account and a parent account for the worker virtual account (hereinafter, virtual account parent account). The entire salary remitted by the employer is deposited into the worker virtual account and the virtual account parent account through the second financial institution server (500), and the amount is transferred between each account according to the settlement procedure from the virtual account parent account. In addition, the first financial institution server (400) processes the worker's salary point withdrawal request to pay funds in real time according to the request of the service server (100), and supports smooth financial transactions for the salary advance settlement and settlement service. Meanwhile, the first financial institution server (400) may be a bank capable of opening an actual account, and the second financial institution server (500) may be a Payment Gateway (PG) company, but is not necessarily limited to these.

[0042] FIG. 2 is a block diagram of a salary advance settlement service providing server (100) according to one embodiment of the present invention.

[0043] Meanwhile, the service server (100) according to the present invention includes a communication module (110), a memory (120), and a processor (130).

[0044] The communication module (110) transmits and receives data with the worker terminal (200), the employer terminal (300), the first financial company server (400), and the second financial company server (500). Additionally, the communication module (110) can transmit and receive data with internal components of the service server (100) or externally connected devices. Such a communication module (110) may include both a wired communication module and a wireless communication module. The wired communication module may be implemented as a power line communication device, a telephone line communication device, a cable home (MoCA), Ethernet, IEEE1294, an integrated wired home network, and an RS-485 control device. Additionally, the wireless communication module may be implemented as a wireless LAN (WLAN), Bluetooth, HDR WPAN, UWB, ZigBee, Impulse Radio, 60GHz WPAN, Binary-CDMA, wireless USB technology, and wireless HDMI technology.

[0045] The memory (120) stores applications for providing salary advance settlement services and programs for managing them, and the processor (130) executes the programs stored in the memory (120).

[0046] Here, memory (120) is a general term for non-volatile storage devices and volatile storage devices that retain stored information even when power is not supplied. For example, memory (120) may include NAND flash memory such as compact flash (CF) cards, SD (secure digital) cards, memory sticks, solid-state drives (SSD) and micro SD cards, magnetic computer memory devices such as hard disk drives (HDD), and optical disc drives such as CD-ROMs and DVD-ROMs.

[0047] The processor (130) can execute software, such as a program, to control at least one other component (e.g., hardware or software component) of the service server (100) and can perform various data processing or operations.

[0048] At this time, in one embodiment of the present invention, the processor (130) may use at least one of the models such as machine learning, neural network, deep learning algorithm and RAG (Retrieval-Augmented Generation) as an artificial intelligence algorithm to generate an artificial intelligence model, and examples of neural networks may include models such as CNN (Convolutional Neural Network), DNN (Deep Neural Network), and RNN (Recurrent Neural Network).

[0049] Meanwhile, in one embodiment of the present invention, the service server (100) may be configured by being divided into a plurality of physical servers, or implemented in a form in which programs performing a plurality of functions are provided in and operate on a single server.

[0050] Hereinafter, with reference to FIGS. 3 to 6, a method performed by a worker salary point-based salary advance settlement service providing server (100) according to an embodiment of the present invention will be described in more detail.

[0051] FIG. 3 is a flowchart of a method for providing a salary advance settlement service according to one embodiment of the present invention.

[0052] In one embodiment of the present invention, first, a service server (100) receives a request to subscribe to a salary advance settlement service from a worker terminal (200) (S101). The request to subscribe to the service may be made by clicking a link obtained by photographing an identification code, such as a QR code placed at the workplace, or through an application pre-installed on the worker terminal (200).

[0053] Subsequently, the service server (100) sets the workplace location of the worker so that the worker can check whether they are working at a designated location (S102). At this time, the workplace location setting is done by setting the location information of the workplace based on the Global Positioning System (GPS). The service server (100) stores location coordinates based on the fixed workplace specified in the employment contract between the worker and the employer, and the location information becomes the reference location for checking whether the worker's work has started and ended.

[0054] Next, the service server (100) transmits a request for the creation of a worker's salary account and virtual account to the first financial institution server (400) and the second financial institution server (500) to create the worker's salary account and virtual account (S103, S104). This request may include information for verifying the worker's identity and contract and service subscription information required for creating the salary account. The first financial institution server (400) processes the request to create a salary account in the worker's name (S105), and the second financial institution server (500) creates a worker's virtual account and a virtual account master account linked to the salary account (S106).

[0055] When the creation of the salary account and virtual account is completed, the first financial institution server (400) and the second financial institution server (500) notify the service server (100) of this, and at the same time transmit the information on the completion of the creation of the salary account and virtual account to the employee terminal (200) and the employer terminal (300), respectively (S105a, S106a), so that all relevant parties can check the account creation status.

[0056] At this time, the worker's salary account is an actual account opened by the first financial institution server (400), an account opened in the individual worker's name, and is a basic account that manages the deposit and withdrawal of wages received by the worker as compensation for labor. In addition, the salary account is used to receive the withdrawal amount of salary points in addition to receiving the salary.

[0057] The worker virtual account is an individual virtual account created for each worker by the second financial institution server (500), and is a virtual account for managing the salary payment process. The worker virtual account is the initial account through which the employer pays the worker's salary, and allows for separate management of salary payment details for each worker. The salary paid to the worker virtual account is immediately deposited into the virtual account master account.

[0058] The virtual account master account is a virtual account opened by the second financial institution server (500) that automatically deducts and repays the scheduled repayment amount corresponding to the salary points requested by the worker for a certain period, and transfers the balance to the worker's salary account.

[0059] As such, one embodiment of the present invention can transparently process salary management for each worker and advance settlement repayment details for each worker without errors such as duplication or omission by separately opening and managing a salary account, a worker virtual account, and a virtual account master account.

[0060] When this process is completed, the service server (100) notifies the worker terminal (200) and the employer terminal (300) that the subscription to the salary advance settlement service for the worker has been completed (S107).

[0061] Next, the worker starts work by inputting the start of work using the worker terminal (200) (S108). Inputting the start of work is a procedure to notify the service server (100) that the worker has arrived at the workplace specified in the contracted work information, and is intended to accurately record and manage the time the worker actually performs work.

[0062] The service server (100) generates work start information that confirms and records that the worker has started work at the designated workplace based on the worker's contracted work information and work start input information (S109).

[0063] Work start information for a worker can be generated through various methods. For example, if a worker inputs a link obtained by scanning a QR code that has been pre-generated and placed at the workplace, the service server (100) can determine whether to start work by comparing the QR code information with the worker's contract information. As another example, if a worker inputs a work start button on an application pre-installed on the worker terminal (200), the service server (100) can determine whether to start work by verifying the worker's workplace setting information and contract information. As yet another example, GPS information can be automatically received from the worker terminal (200), and work start information can be generated if it matches the location information set as the workplace. Of course, such methods can be applied individually or in combination.

[0064] Next, from the time when work start information is generated, the service server (100) begins accumulating salary points in predetermined time units (S110). Here, the predetermined time unit refers to a time interval that serves as the basis for calculating work hours and accumulating salary points, and while it is preferable that it be in units of one hour, it is not necessarily limited thereto.

[0065] Next, the worker finishes work at the workplace by inputting the end of work using the worker terminal (200) (S111). The input for the end of work is made in a manner similar to the input for the start of work. For example, the end information can be transmitted to the service server (100) by scanning a QR code pre-placed at the workplace. At this time, the QR code may be the same as the QR code used for the start of work input, but is not necessarily limited to this. Additionally, the input for the end of work can be transmitted automatically by inputting a work end button provided within an application installed on the worker terminal (200), or by comparing the location information of the workplace with the worker's current location information through the GPS function of the worker terminal (200).

[0066] In response to the input of work termination, the service server (100) compares the location information of the worker with the workplace information to verify whether the work termination was performed correctly. If the workplace does not match the contracted location, or if the working time is shorter than a pre-set standard by more than a threshold range, the service server (100) may determine that it is an abnormal work and perform an additional verification procedure. Alternatively, if all conditions are met, the service server (100) approves and records the worker's work termination to generate work termination information (S112).

[0067] Next, the service server (100) calculates salary points for the worker based on the time information of the work start information and work end information, and the contracted work information. Then, the calculated salary points are provided to the worker terminal (200) (S113). The service server (100) calculates the difference between the work start time and the work end time to derive the actual working time. Then, it calculates the basic salary points to be accumulated based on the hourly wage standard according to the work information and the actual working time. If additional work other than the basic working conditions, such as overtime, night work, or holiday work, is included during work, additional points may be granted based on the work information.

[0068] FIG. 4 is a diagram illustrating salary points paid to a worker terminal (200) in one embodiment of the present invention.

[0069] The calculated salary points are immediately reflected in the application of the worker terminal (200), allowing the worker to check their work and salary point status in real time. In particular, the worker can immediately check not only their basic work but also work details other than the basic work conditions.

[0070] Workers can clearly check information such as accumulated salary points, withdrawable points, and scheduled repayment amounts on the application, and the provision of such real-time information ensures transparency for workers and can motivate them to work. Meanwhile, accumulated salary points are reset on the actual payday when the salary is deposited and the scheduled repayment amount is settled.

[0071] FIG. 5 is a diagram illustrating the process of withdrawing salary points paid to a worker terminal (200) in one embodiment of the present invention.

[0072] Next, the worker can request a withdrawal of a certain amount of their salary points through an application installed on the worker terminal (200) (S114). During this process, the worker can check the currently accumulated salary points and the points available for withdrawal through the application screen, and proceed with the withdrawal request by entering the desired amount. If a minimum withdrawal amount is set (e.g., 20,000 won), the worker can request only an amount exceeding this, which is intended to prevent system overload caused by multiple withdrawal requests for small amounts and to improve operational efficiency.

[0073] When a worker makes a withdrawal request, the service server (100) immediately receives it and checks the worker's accumulated salary points. Subsequently, points corresponding to the requested amount are deducted from the existing salary points, and preparations are made to transfer the amount corresponding to the deducted points to the worker's salary account (S115). If the amount requested by the worker exceeds the salary points held, the request may be rejected, or a notification may be sent to the worker suggesting an amount possible within the remaining salary points.

[0074] When the withdrawal amount is determined, the service server (100) requests a transfer to the first financial institution server (400) to pay the amount to the worker's salary account (S116). At this time, the service server (100) may request a transfer operation to the first financial institution server (400) by setting the server account from which the withdrawal amount will be deducted as the source account (pre-settlement account), setting the salary account to be paid to the worker as the destination account (account linked to the worker terminal (200)), and setting the amount corresponding to the deducted and settled salary points as the transfer amount. The first financial institution server (400) reviews the request and immediately transfers the withdrawal amount to the worker's salary account (S117). Thus, the worker can receive cash into their salary account immediately after the withdrawal request. At this time, the amount paid from the server account to the salary account is set as the repayment amount, and the repayment amount is settled from the salary paid on the worker's payday.

[0075] Afterward, the first financial institution server (400) notifies the service server (100) that the transfer is completed, and at the same time transmits the transfer completion result information to the worker terminal (200) and the employer terminal (300) respectively (S118), so that all relevant parties can confirm that the withdrawal and transfer of salary points have been safely completed.

[0076] FIG. 6 is a diagram illustrating the flow of funds between accounts in a salary advance settlement service according to one embodiment of the present invention.

[0077] As described above, by subscribing to the salary advance settlement service, the actual salary account, the employee's virtual account, and the virtual account master account are created. In this state, after salary points are accumulated, the employee can request a withdrawal in real time (S201), and the withdrawal amount is transferred in real time from the server account of the service server (100) to the employee's salary account (S202).

[0078] In addition, in one embodiment of the present invention, a debit card linked to an employee's salary account may also be issued. The employee can use the debit card to purchase goods or services at a merchant, and a debit card fee is incurred during this process. At this time, the incurred card fee is processed by distributing the profit between the financial institution and the service provider (S203). This profit distribution structure ensures that the costs incurred when withdrawing salary points are not passed on to the employee, while allowing the service provider to receive a portion of the card fee to cover service operating costs and generate service revenue.

[0079] When the next payday arrives, the full amount of salary is paid from the employer's account to the worker's virtual account (S301). At this time, the second financial institution server (500) transfers the full amount of salary from the worker's virtual account to the virtual account master account (S302). Afterward, the amount corresponding to the salary points provided to the worker terminal (200) from the virtual account master account is repaid and settled, and then the amount is transferred to the server account (S303). In this process, the amount corresponding to the salary points withdrawn by the worker is repaid to the server account, and the salary settlement is completed.

[0080] Next, the remaining salary amount in the virtual account master account is transferred to the salary account (S304). This transfer process is a step of finally remitting the balance of the salary paid to the employee to the employee's actual account, through which the employee receives the settled salary amount in the salary account. The settled salary amount may match the salary points available until payday. Therefore, as the salary settlement is completed, the accumulated salary points are reset.

[0081] In addition, one embodiment of the present invention allows for exception handling in cases where a worker works at another workplace outside of the designated workplace. That is, when the service server (100) receives a work request for an external workplace other than the designated workplace from the worker terminal (200), it transmits the work request to the employer terminal (300). The work request may include location information of the external workplace and information on working hours at the external workplace.

[0082] When the employer terminal (300) approves the work request, the service server (100) receives the approval information from the employer terminal (300). The service server (100) can then expand the workplace approval coverage based on the location information of the external workplace in response to the approval information. At this time, expanding the workplace approval coverage is intended to prevent cases where salary points are not accumulated despite working, as it is impossible to determine whether the worker terminal (200) is accurately located at the external workplace based solely on GPS-based location information at the external workplace, and QR code scanning is not possible.

[0083] An example of expanding the workplace approval coverage may be to further expand the approval range by a certain radius based on the location information of the external workplace. That is, rather than being limited only to the coordinate range of the external workplace, if it is determined that the worker terminal (200) is located within the expanded coordinate range, it can be determined that it is located within the workplace approval coverage.

[0084] In addition to the above embodiment, the expansion of workplace approval coverage is intended for work at an external workplace during the corresponding off-site work time, and may reflect the worker's movement path information for moving to the external workplace. That is, it is intended to consider not only the time spent working at the external workplace but also the time spent moving to the external workplace. In this case, the service server (100) may collect the movement start point and movement end point from the worker terminal (200), rather than collecting the entire movement path of the worker. Accordingly, the service server (100) may calculate movement time information based on the distance information between the movement start point and the movement end point.

[0085] Here, the starting point of movement may be the designated workplace when the worker departs after reporting to the designated workplace, or it may be the point located at the start time of work according to the employment contract when the worker reports directly to the external workplace from a place other than the designated workplace (home or other place). This means that if the current time corresponds to the start time of work through the application of the worker terminal (200), the current location information may be recognized as the starting point of movement. Similarly, the ending point of movement may be the external workplace when the worker leaves directly from the external workplace, or it may be the point located at the end time of work according to the employment contract when the worker is moving home from the external workplace or returning to the designated workplace.

[0086] In another embodiment, the service server (100) can determine whether to pay salary points by comparing the location information of the worker terminal (200) with the workplace approval coverage. That is, the service server (100) generates expected movement information including a movement path and an expected travel time during which the worker is expected to move to an external workplace during a time interval corresponding to the approval information. At this time, the expected movement information may generate multiple candidate groups of possible movements rather than a single path and time.

[0087] Next, the service server (100) receives movement information from the worker terminal (200), including the actual movement path and movement time of the worker terminal (200) during a time interval corresponding to the approval information. At this time, the information received from the worker terminal (200) may be received at predetermined intervals, or at multiple times and / or multiple points selected in consideration of the expected movement information.

[0088] Subsequently, the service server (100) checks whether the expected movement information and the movement information received from the worker terminal (200) match within a preset error range. If the expected movement path and the actual movement path fall within the allowed error range, the service server (100) decides to pay salary points. Conversely, if the difference between the expected movement path and the actual movement path exceeds the allowed error range, the payment of salary points may be restricted or denied. If the error range is exceeded, the service server (100) may request additional verification from the employer terminal (300), and the method of paying salary points may be determined based on the result of the additional verification.

[0089] In addition, in one embodiment of the present invention, when a worker is on paid leave, the service server (100) can completely release the workplace approval coverage at the workplace on that day, start accumulating salary points when the work start time has elapsed, and calculate the salary points when the work end time has elapsed and provide them to the worker terminal (200).

[0090] In addition, one embodiment of the present invention may allow for differential payment of salary points based on the employee's performance evaluation information, rather than paying all points to the employee in a lump sum. This is intended to prevent losses for the employer and service provider, as providing salary selection services in a lump sum without evaluating the employee could result in such losses, especially in cases where the employee has a history of negligence due to unauthorized absence or past unauthorized resignation.

[0091] To this end, the service server (100) accumulates and stores work information, including work start and work end information for a worker, over a certain period. Then, the accumulated work information can be compared with contracted work information to generate work evaluation information for the worker. In this process, the worker's work attitude, performance, and compliance with time may be further considered. Next, the service server (100) can calculate salary points by setting at least one of a payment limit and a payment rate for salary points corresponding to the work evaluation information. In this process, the worker's grade is classified based on the worker's work information and work evaluation information, and salary points may be paid differentially over a certain period according to the grade.

[0092] Furthermore, the service server (100) can collect accumulated work information, contracted work information, work evaluation information, and salary point calculation and payment result information of multiple workers, and train an artificial intelligence model to generate a salary point payment model based on the work evaluation information. Subsequently, when applying the trained salary point payment model to each workplace, the service server (100) can fine-tune the model by classifying it according to the industry characteristics of the workplace and then apply it. Accordingly, the present invention can apply a salary point payment model that is more suitable for the worker's work situation and work characteristics, and upon receiving information on the worker's work start and end, it can generate work evaluation information according to the work situation and work characteristics and pay salary points differentially by reflecting this.

[0093] Meanwhile, the salary advance settlement service according to the present invention advances and pays an amount corresponding to salary points from the server account to the worker's account. At this time, there is no problem if sufficient funds are secured and deposited in the server account, but as the number of workers using the service increases, it is very important in terms of service reliability to deposit a certain amount so that the advance settlement service can be provided stably.

[0094] To this end, the service server (100) monitors whether the current balance of the server account falls below a preset minimum standard balance, and if the condition is satisfied, it may automatically request financial resources from the first financial institution server (400) for an amount corresponding to the minimum standard balance or an agreed amount. At this time, the minimum standard balance in the present invention is a variable minimum standard balance rather than a fixed standard.

[0095] For example, if the current balance falls below the minimum reference balance during a specific unit period, the service server (100) may increase and update the minimum reference balance for the next unit period. At this time, the service server (100) may update the minimum reference balance for the next unit period by taking into account the balance increase / decrease rate during the specific unit period.

[0096] As another example, if the service server (100) does not experience a case where the current balance falls below the minimum standard balance during a predetermined multiple unit period for updating, it may update the minimum standard balance for the next unit period based on the average balance growth rate during multiple unit periods, the number of workers using the service at the current time, the advance settlement amount and repayment amount during the previous unit period.

[0097] As such, one embodiment of the present invention can smoothly process salary advance settlement requests by maintaining the financial stability of the employee's salary advance settlement service through a minimum standard balance update method. In other words, it minimizes the risk of service interruption due to insufficient account balance and enables the provision of a reliable service to both employees and employers.

[0098] Meanwhile, in the above description, steps S101 to S304 may be further divided into additional steps or combined into fewer steps according to an embodiment of the present invention. Also, some steps may be omitted as necessary, and the order between steps may be changed. Furthermore, even if other omitted details are included, the contents of FIGS. 1 and 2 and FIGS. 3 to 6 may be mutually applicable.

[0099] The worker salary point-based salary advance settlement service method according to one embodiment of the present invention described above may be implemented as a program (or application) and stored on a medium to be executed in combination with a computer, which is hardware.

[0100] The aforementioned program may include code encoded in computer languages ​​such as C, C++, JAVA, JavaScript, Ruby, Python, and machine language, which can be read by the computer's processor (CPU) through the computer's device interface, in order for the computer to read the program and execute the methods implemented in the program. Such code may include functional code related to functions that define the necessary functions for executing the methods, and may include control code related to execution procedures necessary for the computer's processor to execute the functions according to a predetermined procedure. Additionally, such code may further include memory reference code regarding where (address) additional information or media necessary for the computer's processor to execute the functions should be referenced in the computer's internal or external memory. In addition, if the processor of the computer needs to communicate with any other computer or server located remotely in order to execute the above functions, the code may further include communication-related code regarding how to communicate with any other computer or server located remotely using the communication module of the computer, and what information or media to transmit or receive during communication.

[0101] The above-mentioned storage medium refers to a medium that stores data semi-permanently and is readable by a device, rather than a medium that stores data for a short period of time, such as a register, cache, or memory. Specifically, examples of the above-mentioned storage medium include, but are not limited to, ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage device. That is, the above-mentioned program may be stored on various recording media on various servers that the computer can access, or on various recording media on the user's computer. Additionally, the above-mentioned medium may be distributed across networked computer systems, and computer-readable code may be stored in a distributed manner.

[0102] The foregoing description of the present invention is for illustrative purposes only, and those skilled in the art will understand that other specific forms can be easily modified without altering the technical spirit or essential features of the present invention. Therefore, the embodiments described above should be understood as illustrative in all respects and not restrictive. For example, each component described as a single unit may be implemented in a distributed manner, and components described as distributed may likewise be implemented in a combined form.

[0103] The scope of the present invention is defined by the claims set forth below rather than by the detailed description above, and all modifications or variations derived from the meaning and scope of the claims and equivalent concepts thereof should be interpreted as being included within the scope of the present invention.

Claims

1. A method performed by a server providing a worker salary point-based salary advance settlement service, A step of generating work start information for starting work at a designated workplace based on the worker's contracted work information upon receiving a work start input from a worker terminal; A step of generating work termination information for terminating work at the workplace upon receiving a work termination input from the worker terminal; A step of calculating salary points for the worker based on each time information of the above work start information and above work end information and the above work information; and A step including providing the above salary points to the above worker terminal, Method of providing payroll advance settlement services.

2. In Paragraph 1, A step of receiving a withdrawal request from the worker terminal for a certain number of points among the salary points already paid to the worker terminal; A step of settling the points corresponding to the above withdrawal request by deducting them from the above previously paid salary points; and A method further comprising the step of requesting the first financial institution server to pay an amount corresponding to the above-deducted settled points from the server account to the above-deducted worker's salary account. Method of providing payroll advance settlement services.

3. In Paragraph 2, A method further comprising the step of setting the amount paid from the above server account to the above salary account as the amount scheduled for repayment. Method of providing payroll advance settlement services.

4. In Paragraph 1, A step of receiving a request to subscribe to a salary advance settlement service from the above worker terminal; and A method further comprising the step of storing information on a salary account issued by a first financial institution server, a virtual account parent account issued by a second financial institution server linked to the salary account, and a worker virtual account. Method of providing payroll advance settlement services.

5. In Paragraph 4, Upon the arrival of the payday according to the above work information, as the full amount of salary is deposited from the employer's terminal into the above worker's virtual account, The server of the second financial institution above transfers the entire salary of the worker's virtual account to the virtual account master account, settles an amount corresponding to the salary points provided to the worker's terminal from the virtual account master account and transfers it to the server account, and transfers the remaining salary amount of the virtual account master account to the salary account. Method of providing payroll advance settlement services.

6. In Paragraph 1, A step of receiving a work request from the above worker terminal for an external workplace other than the above-mentioned predetermined workplace; A step of receiving approval information from an employer terminal in response to the above work request; A step of expanding workplace approval coverage based on location information of the external workplace in response to the above approval information; and The method further includes the step of determining whether to pay the salary points by comparing the location information of the worker terminal with the workplace approval coverage. Method of providing payroll advance settlement services.

7. In Paragraph 6, The step of determining whether to pay the salary points by comparing the location information of the worker terminal with the workplace approval coverage is: A step of generating expected movement information including an expected movement path and an expected movement time during a time interval corresponding to the above approval information; A step of receiving movement information including a movement path and travel time of the worker terminal to the external workplace during a time interval corresponding to the approval information from the worker terminal; and A method comprising the step of determining the payment of salary points when the above-mentioned expected movement information and the movement information received from the worker terminal satisfy within a preset error range. Method of providing payroll advance settlement services.

8. In Paragraph 1, The step of calculating salary points for the worker based on each time information of the above work start information and above work end information and the above work information is: A step of accumulating and storing work information including the above-mentioned work start information and the above-mentioned work end information for a certain period; A step of generating worker's work evaluation information by comparing the above accumulated work information with the above contracted work information; and A method comprising the step of calculating salary points by setting at least one of a payment limit and a payment rate of the salary points corresponding to the above work evaluation information, Method of providing payroll advance settlement services.

9. In a server providing a worker salary point-based salary advance settlement service, A communication module that transmits and receives data to and from a worker terminal, A memory storing a program for providing salary points based on the work information of the said worker at a designated workplace based on the said worker's contracted work information, and A processor comprising, by executing a program stored in the memory, generating work start information for starting work at a predetermined workplace upon receiving a work start input from the worker terminal, generating work end information for ending work at the workplace upon receiving a work end input from the worker terminal, calculating salary points for the worker based on time information of the work start information and the work end information and the work information, and providing the salary points to the worker terminal. Payroll advance settlement service provider server.

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